Civic Intelligence

Insurance Agents of Farmers Mutual DBA Rvos Agents Purchasing Group

990 • Fiscal year 2024 • EIN 32-0194215

Jan 01, 2024 to Dec 31, 2024 • Filed on May 13, 2025

Organization ProfileN/A
PO Box 1752Temple, TX 76503-1752

(254) 773-2181

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

43rd percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2024 filings • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

43rd percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2024 filings • $500k-$1M nonprofits • Source year 2024

Net Margin

51st percentile

5.1%

Higher net margin than 51% of similar nonprofits.

2024 filings • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

58th percentile

$0

Higher top officer pay than 58% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2024 filings • $500k-$1M nonprofits • Source year 2024

Asset Growth

45th percentile

1.4%

Faster asset growth than 45% of similar nonprofits.

2024 filings • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

32nd percentile

-2.1%

Faster revenue growth than 32% of similar nonprofits.

2024 filings • $500k-$1M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$528,749

Up $7,103 (+1.4%) from 2023

Net Assets

Up

$528,749

Up $7,103 (+1.4%) from 2023

Liabilities

Flat

$0

Flat from 2023

Revenue And Expenses
Liabilities / Revenue43rd percentileNet Margin51st percentile

Revenue

Down

$143,312

Down $3,009 (-2.1%) from 2023

Expenses

Down

$135,967

Down $4,421 (-3.1%) from 2023

Net Income

Up

$7,345

Up $1,412 (+24%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth45th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$800K$600K$400K$200K$0Assets 2015: $532,745Liabilities 2015: $0Net Assets 2015: $532,7452015Assets 2016: $556,003Liabilities 2016: $0Net Assets 2016: $556,0032016Assets 2017: $567,109Liabilities 2017: $0Net Assets 2017: $567,1092017Assets 2018: $600,722Liabilities 2018: $0Net Assets 2018: $600,7222018Assets 2019: $587,064Liabilities 2019: $0Net Assets 2019: $587,0642019Assets 2020: $591,141Liabilities 2020: $0Net Assets 2020: $591,1412020Assets 2021: $517,064Liabilities 2021: $0Net Assets 2021: $517,0642021Assets 2022: $509,458Liabilities 2022: $0Net Assets 2022: $509,4582022Assets 2023: $521,646Liabilities 2023: $0Net Assets 2023: $521,6462023Assets 2024: $528,749Liabilities 2024: $0Net Assets 2024: $528,7492024

Highlighted filing

2024

Assets$528,749
Liabilities$0
Net Assets$528,749
Open 2024 Filing

Operations Trend

Revenue Growth32nd percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$300K$200K$100K$0-$100KRevenue 2015: $228,153Expenses 2015: $172,178Net Income 2015: $55,9752015Revenue 2016: $206,476Expenses 2016: $183,218Net Income 2016: $23,2582016Revenue 2017: $191,855Expenses 2017: $180,749Net Income 2017: $11,1062017Revenue 2018: $200,561Expenses 2018: $166,948Net Income 2018: $33,6132018Revenue 2019: $151,317Expenses 2019: $164,975Net Income 2019: -$13,6582019Revenue 2020: $141,450Expenses 2020: $137,373Net Income 2020: $4,0772020Revenue 2021: $148,073Expenses 2021: $222,150Net Income 2021: -$74,0772021Revenue 2022: $149,525Expenses 2022: $157,131Net Income 2022: -$7,6062022Revenue 2023: $146,321Expenses 2023: $140,388Net Income 2023: $5,9332023Revenue 2024: $143,312Expenses 2024: $135,967Net Income 2024: $7,3452024

Highlighted filing

2024

Revenue$143,312
Expenses$135,967
Net Income$7,345
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 13, 2025
Return Version
2024v5.1
Gross Receipts
$143,312
Mission and Program Overview

Mission

To provide errors and omissions insurance for rvos property and casualty agents at reasonable cost. The organization is tax-exempt under section 501(c)(15) as a small insurance company.

Providing errors and omissions coverage.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$521,646$528,749▲ $7,103
Rtn Earn Endowment Incm Other Fnds$521,646$528,749▲ $7,103
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$521,646$528,749▲ $7,103
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$521,646$528,749▲ $7,103
Total Liabilities and Net Assets / Fund Balance$521,646$528,749▲ $7,103
Compensation and Service Providers
Top Officer Pay58th percentile

Board Members and Trustees

NameTitle
Glenn KaminskyChairman
Charba Insuance Agency IncDirector
Marilyn J RodgersDirector
Nick PattilloDirector
Sharon Kay EvansDirector
Leonard JansaSecretary
Burl SheltonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$134,247
Investment Income
$9,065
Other Revenue
$0
Change in Net Assets
$7,345
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$135,967
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management---$19,500
Conferences and Meetings---$4,055
Other Expenses---$3,083
Fees for Services Accounting---$820
Office Expenses---$184
Total Functional Expenses$0$0$0$135,967
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Membership is defined as including only rvos authorized insurance agents.”

Form 990, Part VI, Section A, Line 7A

“All members are eligible to be nominated to the governing board and participate in the selection of officers and directors.”

Form 990, Part VI, Section B, Line 11B

“Form 990 is reviewed by the signing officer prior to release.”

Form 990, Part VI, Section C, Line 19

“Public documents are available upon written request.”

Filing and Contact Details

Filer

Filer Name
Rvos Agents Purchasing Group
EIN
32-0194215
Phone
2547732181
Address
PO BOX 1752, TEMPLE, TX 76503-1752
Doing Business As
Rvos Agents Purchasing Group

Signing Officer

Name
Glenn Kaminsky
Title
Chairman
Phone
9793354461
Signed
2025-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Glenn Kaminsky
Formed
2007
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
0

Preparer

Firm
Jaynes Reitmeier Boyd & Therrell Pc
Address
5400 BOSQUE BLVD STE 600, WACO, TX 76710-4459
Preparer
Angela Ragan
Phone
2547764190
Raw XML Appendix284 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/PersonNm5SHARON KAY EVANS
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
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IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
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IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr02007
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0143312
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InvestmentIncomeGrp/ExclusionAmt09065
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt09065
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE ERRORS AND OMISSIONS INSURANCE FOR RVOS PROPERTY AND CASUALTY AGENTS AT REASONABLE COST. THE ORGANIZATION IS TAX-EXEMPT UNDER SECTION 501(C)(15) AS A SMALL INSURANCE COMPANY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0521646
IRS990/NetAssetsOrFundBalancesEOYAmt0528749
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-242
IRS990/NoListedPersonsCompensatedInd0X
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IRS990/OfficerMailingAddressInd00
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IRS990/ReconcilationRevenueExpnssAmt07345
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0134247
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0521646
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0528749
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0521646
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IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERSHIP IS DEFINED AS INCLUDING ONLY RVOS AUTHORIZED INSURANCE AGENTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL MEMBERS ARE ELIGIBLE TO BE NOMINATED TO THE GOVERNING BOARD AND PARTICIPATE IN THE SELECTION OF OFFICERS AND DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FORM 990 IS REVIEWED BY THE SIGNING OFFICER PRIOR TO RELEASE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PUBLIC DOCUMENTS ARE AVAILABLE UPON WRITTEN REQUEST.
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
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IRS990/USAddress/CityNm0EAST BEND
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IRS990/USAddress/ZIPCd077435
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IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0GLENN KAMINSKY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRMAN
ReturnHeader/BusinessOfficerGrp/PhoneNum09793354461
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RVOS AGENTS PURCHASING GROUP
ReturnHeader/Filer/BusinessNameControlTxt0RVOS
ReturnHeader/Filer/EIN0320194215
ReturnHeader/Filer/PhoneNum02547732181
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 1752
ReturnHeader/Filer/USAddress/CityNm0TEMPLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd0765031752
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0742533381
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JAYNES REITMEIER BOYD & THERRELL PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt05400 BOSQUE BLVD STE 600
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WACO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0767104459
ReturnHeader/PreparerPersonGrp/PhoneNum02547764190
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ANGELA RAGAN
ReturnHeader/ReturnTs02025-05-22T10:46:46-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$528,749
Liabilities
$0
Net assets
$528,749
Revenue
$143,312
Expenses
$135,967
Net income
$7,345
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5.29$0.00$5.29$1.43$1.36$0.07
2023Detailed filing. Detailed filing data is available for this year.$5.22$0.00$5.22$1.46$1.40$0.06
2022Detailed filing. Detailed filing data is available for this year.$5.09$0.00$5.09$1.50$1.57$0.08
2021Detailed filing. Detailed filing data is available for this year.$5.17$0.00$5.17$1.48$2.22$0.74
2020Detailed filing. Detailed filing data is available for this year.$5.91$0.00$5.91$1.41$1.37$0.04
2019Detailed filing. Detailed filing data is available for this year.$5.87$0.00$5.87$1.51$1.65$0.14
2018Detailed filing. Detailed filing data is available for this year.$6.01$0.00$6.01$2.01$1.67$0.34
2017Detailed filing. Detailed filing data is available for this year.$5.67$0.00$5.67$1.92$1.81$0.11
2016Detailed filing. Detailed filing data is available for this year.$5.56$0.00$5.56$2.06$1.83$0.23
2015Detailed filing. Detailed filing data is available for this year.$5.33$0.00$5.33$2.28$1.72$0.56