Civic Intelligence

Cokato Mutual Fire Insurance Company

EIN 41-0197630 • 501(c)15 • Maple Lake, MN

Profile

The company provides fire and additional lines insurance coverages to policyholders/members and pays claims on covered policyholder losses.

9571 Endicott Avenue NWMaple Lake, MN 55358

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

70th percentile

0.15x

Higher debt load relative to assets than 70% of similar nonprofits.

$1M-$5M nonprofits • Source year 2017

Liabilities / Revenue

83rd percentile

0.48x

Higher debt load relative to revenue than 83% of similar nonprofits.

$1M-$5M nonprofits • Source year 2017

Net Margin

53rd percentile

7.0%

Higher net margin than 53% of similar nonprofits.

$1M-$5M nonprofits • Source year 2017

Top Officer Pay

48th percentile

$1,525

Higher top officer pay than 48% of similar nonprofits.

Top officer pay equals 0.4% of source-year revenue.

$1M-$5M nonprofits • Source year 2017

Asset Growth

25th percentile

-3.7%

Faster asset growth than 25% of similar nonprofits.

$1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

27th percentile

-5.2%

Faster revenue growth than 27% of similar nonprofits.

$1M-$5M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets70th percentile

Assets

Down

$1,060,217

Down $41,074 (-3.7%) from 2016

Liabilities

Down

$162,973

Down $80,596 (-33%) from 2016

Net Assets

Up

$897,244

Up $39,522 (+4.6%) from 2016

Operations
Liabilities / Revenue83rd percentileNet Margin53rd percentile

Revenue

Down

$341,791

Down $18,600 (-5.2%) from 2016

Expenses

Down

$317,784

Down $118,974 (-27%) from 2016

Net Income

Up

$24,007

Up $100,374 (+131%) from 2016

Trend Graphs

Balance Sheet Trend

Asset Growth25th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.5M$1.0M$500K$0Assets 2011: $998,723Liabilities 2011: $166,781Net Assets 2011: $831,9422011Assets 2012: $1,057,163Liabilities 2012: $192,788Net Assets 2012: $864,3752012Assets 2013: $1,112,668Liabilities 2013: $191,875Net Assets 2013: $920,7932013Assets 2014: $1,187,745Liabilities 2014: $207,653Net Assets 2014: $980,0922014Assets 2015: $1,147,815Liabilities 2015: $216,050Net Assets 2015: $931,7652015Assets 2016: $1,101,291Liabilities 2016: $243,569Net Assets 2016: $857,7222016Assets 2017: $1,060,217Liabilities 2017: $162,973Net Assets 2017: $897,2442017

Highlighted filing

2017

Assets$1,060,217
Liabilities$162,973
Net Assets$897,244
Open 2017 Filing

Operations Trend

Revenue Growth27th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$600K$400K$200K$0-$200KRevenue 2011: $318,056Expenses 2011: $277,480Net Income 2011: $40,5762011Revenue 2012: $332,362Expenses 2012: $298,036Net Income 2012: $34,3262012Revenue 2013: $375,124Expenses 2013: $319,327Net Income 2013: $55,7972013Revenue 2014: $456,721Expenses 2014: $392,203Net Income 2014: $64,5182014Revenue 2015: $387,605Expenses 2015: $425,207Net Income 2015: -$37,6022015Revenue 2016: $360,391Expenses 2016: $436,758Net Income 2016: -$76,3672016Revenue 2017: $341,791Expenses 2017: $317,784Net Income 2017: $24,0072017

Highlighted filing

2017

Revenue$341,791
Expenses$317,784
Net Income$24,007
Open 2017 Filing

Filings

Most recent year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,060,217
Liabilities
$162,973
Net assets
$897,244
Revenue
$341,791
Expenses
$317,784
Net income
$24,007
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$1.06$0.16$0.90$0.34$0.32$0.02
2016Summary only. Only limited summary data is available for this year.$1.10$0.24$0.86$0.36$0.44$0.08
2015Detailed filing. Detailed filing data is available for this year.$1.15$0.22$0.93$0.39$0.43$0.04
2014Summary only. Only limited summary data is available for this year.$1.19$0.21$0.98$0.46$0.39$0.06
2013Summary only. Only limited summary data is available for this year.$1.11$0.19$0.92$0.38$0.32$0.06
2012Summary only. Only limited summary data is available for this year.$1.06$0.19$0.86$0.33$0.30$0.03
2011Summary only. Only limited summary data is available for this year.$1.00$0.17$0.83$0.32$0.28$0.04
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 26, 2018
Return Version
2017v2.2
Gross Receipts
$348,708
Mission and Program Overview

Mission

The company provides fire and additional lines insurance coverages to policyholders/members and pays claims on covered policyholder losses.

The organization writes fire and additional lines insurance coverages and pays claims on covered policyholder losses per IRC Section 501(c)(15)

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$916,973$924,871▲ $7,898
Rtn Earn Endowment Incm Other Fnds$857,722$897,244▲ $39,522
Cash and Non-Interest-Bearing Accounts$117,972$74,428▼ $43,544
Savings and Temporary Cash Investments$50,435$50,483▲ $48
Accounts Receivable$15,911$10,435▼ $5,476
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,101,291$1,060,217▼ $41,074
Liabilities
Other Liabilities$158,127$156,623▼ $1,504
Accounts Payable and Accrued Expenses$85,442$6,350▼ $79,092
Total Liabilities$243,569$162,973▼ $80,596
Net Assets / Fund Balance
Total Net Assets Fund Balance$857,722$897,244▲ $39,522
Total Liabilities and Net Assets / Fund Balance$1,101,291$1,060,217▼ $41,074
Compensation and Service Providers
Top Officer Pay48th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Charles AiliePresident-$1,525$1,525
Daniel KyllonenSecretary-$1,425$1,425
Glen JohnsonTreasurer-$900$900
Joey BergVice PresidentPT$825$825
David HendricksonDirector-$750$750
Charles D MackerethDirector-$600$600
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$318,764
Investment Income
$23,027
Other Revenue
$0
Change in Net Assets
$24,007

Audited Revenue Reconciliation

Revenue per Audited Statements
$341,791
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$341,791
Total Revenue per Form 990
$341,791
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$211,914
Salaries, Compensation, and Employee Benefits$69,358
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$56,107
Benefits to Members---$36,512
Insurance---$23,469
Fees for Services Legal---$13,500
Information Technology---$11,342
Current Officers, Directors, Trustees, and Key Employees---$7,750
Occupancy---$6,125
All Other Expenses---$5,645
Payroll Taxes---$5,501
Office Expenses---$4,922
Conferences and Meetings---$4,747
Other Expenses---$4,134
Depreciation Depletion---$1,381
Advertising---$1,323
Fees for Service Investment Mgmnt Fees---$8
Total Functional Expenses$0$0$0$317,784

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$317,784
Total Expenses per Audited Statements$317,784
Total Expenses per Form 990$317,784
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Ryan ZylstraCo-manager with MotherTotal compensation including commissionsNo$65,504
Darlene ZylstraCo-manager with sonTotal Compensation including rental incomeNo$6,125
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Unearned Premiums$142,568
Unpaid Losses$14,055
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
No
Backup withholding compliance
Yes
Business relationship with family members
Yes
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
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 2

“The Manager of the company works together with her son and daughter.”

Form 990, Part VI, Section A, line 2

“Darlene Zylstra and Ryan Zylstra have a family relationship.”

Form 990, Part VI, Section A, line 6

“The company has policyholders/owners who are also the owners of the company. It is a Mutual company.”

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

“The policyholders/owners elect the board members and officers”

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

“The Company hires a CPA firm to complete the form 990. When the firm is finished preparing the form, it is reviewed by Company management and staff before filing. The form is then filed by Company management.”

Form 990, Part VI, Section B, line 12C

“The company requires disclosure of conflicts and potential conflicts annually.”

Form 990, Part VI, Section B, line 15

“Compensation is determined by the number of meetings attended by the board member. The board determines management and staff salaries based on experience and qualifications.”

Form 990, Part VI, Section C, line 19

“Financial and governing documents are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Cokato Mutual Fire Insurance Company
EIN
41-0197630
Phone
3209635859
Address
9571 Endicott Avenue NW, Maple Lake, MN 55358

Signing Officer

Name
Ryan Zylstra
Title
Manager
Phone
3209635859
Signed
2018-04-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Charles Ailie
Formed
1892
Legal Domicile
Mn
Voting Board Members
6
Independent Board Members
5
Employees
2
Volunteers
0

Preparer

Firm
Abdo Eick & Meyers LLP
Address
100 Warren St Ste 600, Mankato, MN 56001
Preparer
Thomas J Olinger CPA
Phone
5076252727
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Change in non-admitted assets 15,515.”

Form 990, Part XII, Line 1:

“Statutory is required by the State of Minnesota Department of Commerce.”

Form 990, Part XII, Line 2C:

“The entire board acts as the audit committee.”

Financial Statement Notes

Part X, Line 2:

“As of December 31, 2017, the Company has not identified any material loss contingencies arising from uncertain tax positions.”

Raw XML Appendix360 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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IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd00
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd10
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt06125
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt165504
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0Total Compensation including rental income
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc1Total compensation including commissions
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt0The company rents office space from the co-manager.
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc0Part IV Line 28c
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Manager of the company works together with her son and daughter.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Darlene Zylstra and Ryan Zylstra have a family relationship.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The company has policyholders/owners who are also the owners of the company. It is a Mutual company.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The policyholders/owners elect the board members and officers
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The Company hires a CPA firm to complete the form 990. When the firm is finished preparing the form, it is reviewed by Company management and staff before filing. The form is then filed by Company management.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The company requires disclosure of conflicts and potential conflicts annually.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Compensation is determined by the number of meetings attended by the board member. The board determines management and staff salaries based on experience and qualifications.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Financial and governing documents are available to the public upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Change in non-admitted assets 15,515.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Statutory is required by the State of Minnesota Department of Commerce.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10The entire board acts as the audit committee.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part XI, line 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990, Part XII, Line 1:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990, Part XII, Line 2c:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01101291
IRS990/TotalAssetsEOYAmt01060217
IRS990/TotalAssetsGrp/BOYAmt01101291
IRS990/TotalAssetsGrp/EOYAmt01060217
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/TotalAmt0317784
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0243569
IRS990/TotalLiabilitiesEOYAmt0162973
IRS990/TotalLiabilitiesGrp/BOYAmt0243569
IRS990/TotalLiabilitiesGrp/EOYAmt0162973
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0857722
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0897244
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0318764
IRS990/TotalReportableCompFromOrgAmt06025
IRS990/TotalRevenueGrp/ExclusionAmt029943
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0311848
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0341791
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01101291
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01060217
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt025540 738th Avenue
IRS990/USAddress/CityNm0Dassel
IRS990/USAddress/StateAbbreviationCd0MN
IRS990/USAddress/ZIPCd055325
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Ryan Zylstra
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum03209635859
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-04-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Cokato Mutual Fire Insurance Company
ReturnHeader/Filer/BusinessNameControlTxt0COKA
ReturnHeader/Filer/EIN0410197630
ReturnHeader/Filer/PhoneNum03209635859
ReturnHeader/Filer/USAddress/AddressLine1Txt09571 Endicott Avenue NW
ReturnHeader/Filer/USAddress/CityNm0Maple Lake
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd055358
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0D40D896A632BB8EE78496BC6761CFDB78E83DC28
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId081214493F999E48BFFFB1C1C2B8B58808ADEFBB5
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt064.88.174.3
ReturnHeader/FilingSecurityInformation/IPDt02018-04-26
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm016:07:01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0411397419
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Abdo Eick & Meyers LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0100 Warren St Ste 600
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Mankato
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd056001
ReturnHeader/PreparerPersonGrp/PhoneNum05076252727
ReturnHeader/PreparerPersonGrp/PreparationDt02018-04-26
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Thomas J Olinger CPA
ReturnHeader/ReturnTs02018-05-03T16:23:52-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

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