Civic Intelligence

New Munich Mutual Insurance Co

EIN 41-0852310 • 501(c)15 • Sauk Centre, MN

Profile

The organization provides property casualty insurance coverage for farmers and homeowners in rural Minnesota under IRC 501(c)(15) and Minnesota statute 67A

512 Main Street South Ste 2Sauk Centre, MN 56378
Siviq Scores

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

Liabilities / Assets

73rd percentile

0.19x

Higher debt load relative to assets than 73% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

84th percentile

0.53x

Higher debt load relative to revenue than 84% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Net Margin

71st percentile

22%

Higher net margin than 71% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Top Officer Pay

48th percentile

$1,200

Higher top officer pay than 48% of similar nonprofits.

Top officer pay equals 0.2% of source-year revenue.

$1M-$5M nonprofits • Source year 2024

Asset Growth

74th percentile

13%

Faster asset growth than 74% of similar nonprofits.

$1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

56th percentile

13%

Faster revenue growth than 56% of similar nonprofits.

$1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$1,898,673

Up $212,773 (+13%) from 2023

Liabilities

Up

$352,127

Up $69,412 (+25%) from 2023

Net Assets

Up

$1,546,546

Up $143,361 (+10%) from 2023

Operations
Liabilities / Revenue84th percentileNet Margin71st percentile

Revenue

Up

$669,511

Up $74,888 (+13%) from 2023

Expenses

Up

$524,667

Up $31,059 (+6.3%) from 2023

Net Income

Up

$144,844

Up $43,829 (+43%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth74th percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2011: $1,022,902Liabilities 2011: $116,182Net Assets 2011: $906,7202011Assets 2012: $1,103,384Liabilities 2012: $137,448Net Assets 2012: $965,9362012Assets 2013: $1,142,211Liabilities 2013: $139,270Net Assets 2013: $1,002,9412013Assets 2014: $1,241,360Liabilities 2014: $168,576Net Assets 2014: $1,072,7842014Assets 2015: $1,311,271Liabilities 2015: $162,735Net Assets 2015: $1,148,5362015Assets 2016: $1,339,978Liabilities 2016: $158,949Net Assets 2016: $1,181,0292016Assets 2017: $1,338,587Liabilities 2017: $148,366Net Assets 2017: $1,190,2212017Assets 2018: $1,449,951Liabilities 2018: $168,319Net Assets 2018: $1,281,6322018Assets 2019: $1,489,349Liabilities 2019: $180,805Net Assets 2019: $1,308,5442019Assets 2020: $1,442,491Liabilities 2020: $174,328Net Assets 2020: $1,268,1632020Assets 2021: $1,558,442Liabilities 2021: $260,969Net Assets 2021: $1,297,4732021Assets 2022: $1,517,283Liabilities 2022: $217,059Net Assets 2022: $1,300,2242022Assets 2023: $1,685,900Liabilities 2023: $282,715Net Assets 2023: $1,403,1852023Assets 2024: $1,898,673Liabilities 2024: $352,127Net Assets 2024: $1,546,5462024

Highlighted filing

2024

Assets$1,898,673
Liabilities$352,127
Net Assets$1,546,546
Open 2024 Filing

Operations Trend

Revenue Growth56th percentile

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

$800K$600K$400K$200K$0-$200KRevenue 2011: $284,693Expenses 2011: $219,134Net Income 2011: $65,5592011Revenue 2012: $300,350Expenses 2012: $241,402Net Income 2012: $58,9482012Revenue 2013: $328,983Expenses 2013: $291,112Net Income 2013: $37,8712013Revenue 2014: $339,697Expenses 2014: $268,539Net Income 2014: $71,1582014Revenue 2015: $352,477Expenses 2015: $277,639Net Income 2015: $74,8382015Revenue 2016: $352,845Expenses 2016: $322,046Net Income 2016: $30,7992016Revenue 2017: $360,304Expenses 2017: $350,398Net Income 2017: $9,9062017Revenue 2018: $351,350Expenses 2018: $259,244Net Income 2018: $92,1062018Revenue 2019: $371,592Expenses 2019: $343,282Net Income 2019: $28,3102019Revenue 2020: $396,303Expenses 2020: $435,950Net Income 2020: -$39,6472020Revenue 2021: $436,526Expenses 2021: $408,129Net Income 2021: $28,3972021Revenue 2022: $481,086Expenses 2022: $478,261Net Income 2022: $2,8252022Revenue 2023: $594,623Expenses 2023: $493,608Net Income 2023: $101,0152023Revenue 2024: $669,511Expenses 2024: $524,667Net Income 2024: $144,8442024

Highlighted filing

2024

Revenue$669,511
Expenses$524,667
Net Income$144,844
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$1,898,673
Liabilities
$352,127
Net assets
$1,546,546
Revenue
$669,511
Expenses
$524,667
Net income
$144,844
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.90$0.35$1.55$0.67$0.52$0.14
2023Detailed filing. Detailed filing data is available for this year.$1.69$0.28$1.40$0.59$0.49$0.10
2022Detailed filing. Detailed filing data is available for this year.$1.52$0.22$1.30$0.48$0.48$0.00
2021Detailed filing. Detailed filing data is available for this year.$1.56$0.26$1.30$0.44$0.41$0.03
2020Detailed filing. Detailed filing data is available for this year.$1.44$0.17$1.27$0.40$0.44$0.04
2019Summary only. Only limited summary data is available for this year.$1.49$0.18$1.31$0.37$0.34$0.03
2018Summary only. Only limited summary data is available for this year.$1.45$0.17$1.28$0.35$0.26$0.09
2017Summary only. Only limited summary data is available for this year.$1.34$0.15$1.19$0.36$0.35$0.01
2016Summary only. Only limited summary data is available for this year.$1.34$0.16$1.18$0.35$0.32$0.03
2015Summary only. Only limited summary data is available for this year.$1.31$0.16$1.15$0.35$0.28$0.07
2014Summary only. Only limited summary data is available for this year.$1.24$0.17$1.07$0.34$0.27$0.07
2013Summary only. Only limited summary data is available for this year.$1.14$0.14$1.00$0.33$0.29$0.04
2012Summary only. Only limited summary data is available for this year.$1.10$0.14$0.97$0.30$0.24$0.06
2011Summary only. Only limited summary data is available for this year.$1.02$0.12$0.91$0.28$0.22$0.07
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.0
Gross Receipts
$669,511
Mission and Program Overview

Mission

The organization provides property casualty insurance coverage for farmers and homeowners in rural Minnesota under IRC 501(c)(15) and Minnesota statute 67A

The organizaton provides property casualty insurance coverage for farmers and homeowners in rural minnesota under irc 501(c)(15) and minnesota statute 67a

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$945,161$1,162,277▲ $217,116
Cash and Non-Interest-Bearing Accounts$354,406$453,176▲ $98,770
Investments Other Securities$115,000$165,000▲ $50,000
Investments in Publicly Traded Securities$216,500$89,779▼ $126,721
Accounts Receivable$48,959$25,295▼ $23,664
Total Assets$1,685,900$1,898,673▲ $212,773
Other Assets Total$5,874$3,146▼ $2,728
Liabilities
Other Liabilities$197,213$205,091▲ $7,878
Accounts Payable and Accrued Expenses$85,502$147,036▲ $61,534
Total Liabilities$282,715$352,127▲ $69,412
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,403,185$1,546,546▲ $143,361
Total Net Assets Fund Balance$1,403,185$1,546,546▲ $143,361
Total Liabilities and Net Assets / Fund Balance$1,685,900$1,898,673▲ $212,773

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$165,000--
Compensation and Service Providers
Top Officer Pay48th percentile

Employees

NameTitleBaseTotal
Victor UphoffPresident$1,200$1,200
David EhlertTreasurer/se$800$800

Board Members and Trustees

NameTitle
Daniel SchultzetenbergDirector
Mike ZierdenDirector
Steve WiechmanDirector
Timothy MeyersVice-preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$635,941
Investment Income
$33,570
Other Revenue
$0
Change in Net Assets
$144,844
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$321,734
Salaries, Compensation, and Employee Benefits$78,330
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$124,603--$124,603
Other Salaries and Wages$68,458--$68,458
Office Expenses$21,513--$21,513
Insurance$10,477--$10,477
Fees for Services Accounting$8,625--$8,625
Payroll Taxes$6,972--$6,972
Occupancy$6,600--$6,600
Current Officers, Directors, Trustees, and Key Employees$2,900--$2,900
Conferences and Meetings$2,866--$2,866
Advertising$1,953--$1,953
Travel$1,022--$1,022
Depreciation Depletion$192--$192
Other Expenses$-625--$-625
Total Functional Expenses$524,667$0$0$524,667
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Various Payables$205,091
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
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
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, Page 6, Part VI, Line 6

“Any person with a policy is a voting member of the organization”

Form 990, Page 6, Part VI, Line 7A

“The policyholders elect 5 to 9 members to serve for a 3 year term at the annual policyholder meeting.”

Form 990, Page 6, Part VI, Line 11B

“Form 990 is reviewed and signed by the manager of the organization. The board of directors does not review prior to filing.”

Form 990, Page 6, Part VI, Line 12C

“This is done through the underwriting and issuance process of policy applications, claims settlement process and annual discussion and review by management and the board of directors.”

Form 990, Page 6, Part VI, Line 15A

“Director compensation is determined by the number of meetings attended by the board member. The board determines management and staff compensation based upon experience and qualifications.”

Form 990, Page 6, Part VI, Line 15B

“Director compensation is determined by the number of meetings attended by the board member. The board determines management and staff compensation based upon experience and qualifications.”

Form 990, Page 6, Part VI, Line 19

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

Filing and Contact Details

Filer

Filer Name
New Munich Mutual Insurance Co
EIN
41-0852310
Phone
3203523300
Address
512 MAIN STREET SOUTH STE 2, SAUK CENTRE, MN 56378

Signing Officer

Name
Darcy Pfeffer
Title
Manager
Phone
3203523300
Signed
2025-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Victor Uphoff
Formed
1927
Legal Domicile
Mn
Voting Board Members
6
Independent Board Members
6
Employees
5

Preparer

Firm
Winters Meier & Larson LLC
Address
1001 MAIN ST S, SAUK CENTRE, MN 56378
Preparer
Patrick J Winters
Phone
3203523058
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“We have provided property insurance for our members per mn statute 67a and irc 501(c)(15). Number of members: 562, insurance in force:556,392,037.”

Form 990, Part XI, Line 9

“Book / tax depreciation difference 192 change in non-admitted assets 0 change in non-admitted assets -1,483 other -192 total -1,483”

Raw XML Appendix322 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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0VARIOUS PAYABLES
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0WE HAVE PROVIDED PROPERTY INSURANCE FOR OUR MEMBERS PER MN STATUTE 67A AND IRC 501(C)(15). NUMBER OF MEMBERS: 562, INSURANCE IN FORCE:556,392,037.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ANY PERSON WITH A POLICY IS A VOTING MEMBER OF THE ORGANIZATION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE POLICYHOLDERS ELECT 5 TO 9 MEMBERS TO SERVE FOR A 3 YEAR TERM AT THE ANNUAL POLICYHOLDER MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FORM 990 IS REVIEWED AND SIGNED BY THE MANAGER OF THE ORGANIZATION. THE BOARD OF DIRECTORS DOES NOT REVIEW PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THIS IS DONE THROUGH THE UNDERWRITING AND ISSUANCE PROCESS OF POLICY APPLICATIONS, CLAIMS SETTLEMENT PROCESS AND ANNUAL DISCUSSION AND REVIEW BY MANAGEMENT AND THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DIRECTOR COMPENSATION IS DETERMINED BY THE NUMBER OF MEETINGS ATTENDED BY THE BOARD MEMBER. THE BOARD DETERMINES MANAGEMENT AND STAFF COMPENSATION BASED UPON EXPERIENCE AND QUALIFICATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DIRECTOR COMPENSATION IS DETERMINED BY THE NUMBER OF MEETINGS ATTENDED BY THE BOARD MEMBER. THE BOARD DETERMINES MANAGEMENT AND STAFF COMPENSATION BASED UPON EXPERIENCE AND QUALIFICATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL AND GOVERNING DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8BOOK / TAX DEPRECIATION DIFFERENCE 192 CHANGE IN NON-ADMITTED ASSETS 0 CHANGE IN NON-ADMITTED ASSETS -1,483 OTHER -192 TOTAL -1,483
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
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IRS990/TotalFunctionalExpensesGrp/TotalAmt0524667
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IRS990/TotalLiabilitiesEOYAmt0352127
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0669511
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01685900
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01898673
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IRS990/USAddress/AddressLine1Txt0512 MAIN ST S
IRS990/USAddress/CityNm0SAUK CENTRE
IRS990/USAddress/StateAbbreviationCd0MN
IRS990/USAddress/ZIPCd056378
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DARCY PFEFFER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum03203523300
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NEW MUNICH MUTUAL INSURANCE CO
ReturnHeader/Filer/BusinessNameControlTxt0NEWM
ReturnHeader/Filer/EIN0410852310
ReturnHeader/Filer/PhoneNum03203523300
ReturnHeader/Filer/USAddress/AddressLine1Txt0512 MAIN STREET SOUTH STE 2
ReturnHeader/Filer/USAddress/CityNm0SAUK CENTRE
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0811101364
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WINTERS MEIER & LARSON LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01001 MAIN ST S
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SAUK CENTRE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd056378
ReturnHeader/PreparerPersonGrp/PhoneNum03203523058
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PATRICK J WINTERS
ReturnHeader/ReturnTs02025-11-14T15:28:13-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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