Civic Intelligence

Martinsburg Mutual Insurance

EIN 43-6031497 • 501(c)15 • Martinsburg, MO

Profile

This is a mutual insurance company. It insures members and reimburse members for damage claims.

PO Box 171Martinsburg, MO 65264

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Siviq Scores

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

Liabilities / Assets

42nd percentile

0.01x

Higher debt load relative to assets than 42% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

40th percentile

0.01x

Higher debt load relative to revenue than 40% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Net Margin

19th percentile

-17%

Higher net margin than 19% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Top Officer Pay

77th percentile

$110,276

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 9.5% of source-year revenue.

$1M-$5M nonprofits • Source year 2024

Asset Growth

13th percentile

-11%

Faster asset growth than 13% of similar nonprofits.

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

Revenue Growth

23rd percentile

-9.5%

Faster revenue growth than 23% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets42nd percentile

Assets

Down

$1,435,718

Down $185,260 (-11%) from 2023

Liabilities

Up

$7,235

Up $2,038 (+39%) from 2023

Net Assets

Down

$1,428,483

Down $187,298 (-12%) from 2023

Operations
Liabilities / Revenue40th percentileNet Margin19th percentile

Revenue

Down

$1,154,998

Down $121,854 (-9.5%) from 2023

Expenses

Up

$1,347,232

Up $80,912 (+6.4%) from 2023

Net Income

Down

-$192,234

Down $202,766 (-1925%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth13th percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2010: $1,028,205Liabilities 2010: $1,483Net Assets 2010: $1,026,7222010Assets 2011: $1,051,437Liabilities 2011: $2,383Net Assets 2011: $1,049,0542011Assets 2012: $1,106,731Liabilities 2012: $2,270Net Assets 2012: $1,104,4612012Assets 2013: $1,154,976Liabilities 2013: $3,643Net Assets 2013: $1,151,3332013Assets 2014: $1,242,000Liabilities 2014: $5,936Net Assets 2014: $1,236,0642014Assets 2015: $1,220,331Liabilities 2015: $9,933Net Assets 2015: $1,210,3982015Assets 2016: $1,307,709Liabilities 2016: $9,131Net Assets 2016: $1,298,5782016Assets 2017: $1,363,424Liabilities 2017: $0Net Assets 2017: $1,363,4242017Assets 2018: $1,395,618Liabilities 2018: $232Net Assets 2018: $1,395,3862018Assets 2019: $1,358,085Liabilities 2019: $4,734Net Assets 2019: $1,353,3512019Assets 2020: $1,490,136Liabilities 2020: $9,152Net Assets 2020: $1,480,9842020Assets 2021: $1,475,708Liabilities 2021: $9,509Net Assets 2021: $1,466,1992021Assets 2022: $1,593,727Liabilities 2022: $12,979Net Assets 2022: $1,580,7482022Assets 2023: $1,620,978Liabilities 2023: $5,197Net Assets 2023: $1,615,7812023Assets 2024: $1,435,718Liabilities 2024: $7,235Net Assets 2024: $1,428,4832024

Highlighted filing

2024

Assets$1,435,718
Liabilities$7,235
Net Assets$1,428,483
Open 2024 Filing

Operations Trend

Revenue Growth23rd percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $191,1752010Expenses 2011: $212,0732011Expenses 2012: $187,2112012Revenue 2013: $270,330Expenses 2013: $220,797Net Income 2013: $49,5332013Revenue 2014: $315,067Expenses 2014: $230,336Net Income 2014: $84,7312014Revenue 2015: $361,606Expenses 2015: $387,272Net Income 2015: -$25,6662015Revenue 2016: $376,577Expenses 2016: $288,397Net Income 2016: $88,1802016Revenue 2017: $372,556Expenses 2017: $307,710Net Income 2017: $64,8462017Revenue 2018: $436,759Expenses 2018: $404,797Net Income 2018: $31,9622018Revenue 2019: $437,553Expenses 2019: $479,588Net Income 2019: -$42,0352019Revenue 2020: $493,450Expenses 2020: $365,947Net Income 2020: $127,5032020Revenue 2021: $577,216Expenses 2021: $593,729Net Income 2021: -$16,5132021Revenue 2022: $536,267Expenses 2022: $392,455Net Income 2022: $143,8122022Revenue 2023: $1,276,852Expenses 2023: $1,266,320Net Income 2023: $10,5322023Revenue 2024: $1,154,998Expenses 2024: $1,347,232Net Income 2024: -$192,2342024

Highlighted filing

2024

Revenue$1,154,998
Expenses$1,347,232
Net Income-$192,234
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$1,435,718
Liabilities
$7,235
Net assets
$1,428,483
Revenue
$1,154,998
Expenses
$1,347,232
Net income
-$192,234
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.44$0.01$1.43$1.15$1.35$0.19
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.62$0.01$1.62$1.28$1.27$0.01
2022Detailed filing. Detailed filing data is available for this year.$1.59$0.01$1.58$0.54$0.39$0.14
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.48$0.01$1.47$0.58$0.59$0.02
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.49$0.01$1.48$0.49$0.37$0.13
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.36$0.00$1.35$0.44$0.48$0.04
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.40$0.00$1.40$0.44$0.40$0.03
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.36$0.00$1.36$0.37$0.31$0.06
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.31$0.01$1.30$0.38$0.29$0.09
2015Detailed filing. Detailed filing data is available for this year.$1.22$0.01$1.21$0.36$0.39$0.03
2014Detailed filing. Detailed filing data is available for this year.$1.24$0.01$1.24$0.32$0.23$0.08
2013Detailed filing. Detailed filing data is available for this year.$1.15$0.00$1.15$0.27$0.22$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.11$0.00$1.10$0.19
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.05$0.00$1.05$0.21
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.03$0.00$1.03$0.19
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 6, 2025
Return Version
2024v5.1
Gross Receipts
$1,154,998
Mission and Program Overview

Mission

This is a mutual insurance company. It insures members and reimburse members for damage claims.

This is a mutual insurance company that insures its members and reimburses members for damage claims.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,295,138$1,193,414▼ $101,724
Rtn Earn Endowment Incm Other Fnds$1,126,434$939,136▼ $187,298
Cap Stk Tr Prin Current Funds$489,347$489,347→ $0
Cash and Non-Interest-Bearing Accounts$312,488$229,458▼ $83,030
Land, Buildings, and Equipment, Net$13,352$12,846▼ $506
Total Assets$1,620,978$1,435,718▼ $185,260
Liabilities
Other Liabilities$5,197$7,235▲ $2,038
Total Liabilities$5,197$7,235▲ $2,038
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,615,781$1,428,483▼ $187,298
Total Liabilities and Net Assets / Fund Balance$1,620,978$1,435,718▼ $185,260

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$12,846$10,126-
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseTotal
James GastlerDirectorFT$110,276$110,276
Linda GastlerSecretary/treasurerPT$42,474$42,474

Board Members and Trustees

NameTitle
Martin BertelsPresident
James HaleVice President
Martin AulburDirector
Mike FennewaldDirector
Robert DubbertDirector
Rodney WillinghamDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,086,262
Investment Income
$63,983
Other Revenue
$4,753
Change in Net Assets
$-192,234
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,186,770
Salaries, Compensation, and Employee Benefits$158,540
Grants and Similar Amounts Paid$1,922
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$152,749$2,200-$154,949
Insurance$8,129--$8,129
Occupancy$5,700--$5,700
Payroll Taxes$3,591--$3,591
Grants to Domestic Individuals$1,922--$1,922
Office Expenses$1,848--$1,848
Fees for Services Accounting$1,800--$1,800
All Other Expenses$1,430--$1,430
Other Expenses$1,200--$1,200
Depreciation Depletion$506--$506
Fees for Services Legal$166--$166
Total Functional Expenses$1,345,032$2,200$0$1,347,232
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
Federal income taxes$7,235
Payroll Taxes Payable-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
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, Part VI, Section C, Line 18

“Records will be furnished upon any reasonable request.”

Filing and Contact Details

Filer

Filer Name
Martinsburg Mutual Insurance
EIN
43-6031497
Phone
5737216429
Address
PO BOX 171, MARTINSBURG, MO 65264

Signing Officer

Name
James Gastler
Title
Director
Phone
5737216429
Signed
2025-06-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James Gastler
Formed
1984
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
1

Preparer

Firm
Tasha D Love CPA LLC
Address
1001 S MORRIS, MEXICO, MO 65265
Preparer
Tasha D Love
Phone
5735814000
Raw XML Appendix345 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.

Path#Value
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IRS990/BenefitsToMembersGrp/TotalAmt00
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IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd065264
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IRS990/CompensationFromOtherSrcsInd0false
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IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
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IRS990/DescribedInSection501c3Ind0false
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IRS990/EmployeeCnt01
IRS990/EmploymentTaxReturnsFiledInd0true
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IRS990/ExpenseAmt01345032
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IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt01800
IRS990/FeesForServicesAccountingGrp/TotalAmt01800
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IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
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IRS990/Form8886TFiledInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt0040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1030.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2001.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt6001.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt7001.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
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IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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IRS990/Form990PartVIISectionAGrp/PersonNm1LINDA GASTLER
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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
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IRS990/IRPDocumentCnt01
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IRS990/OtherExpensesGrp/Desc2REFUNDS/CHARGEBACKS
IRS990/OtherExpensesGrp/Desc3DUES AND SUBSCRIPTIONS
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IRS990/OtherRevenueMiscGrp/Desc0MISC
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0RECORDS WILL BE FURNISHED UPON ANY REASONABLE REQUEST.
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JAMES GASTLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum05737216429
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-06-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MARTINSBURG MUTUAL INSURANCE
ReturnHeader/Filer/BusinessNameControlTxt0MART
ReturnHeader/Filer/EIN0436031497
ReturnHeader/Filer/PhoneNum05737216429
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 171
ReturnHeader/Filer/USAddress/CityNm0MARTINSBURG
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ReturnHeader/Filer/USAddress/ZIPCd065264
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0845102569
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0TASHA D LOVE CPA LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01001 S MORRIS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MEXICO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd065265
ReturnHeader/PreparerPersonGrp/PhoneNum05735814000
ReturnHeader/PreparerPersonGrp/PreparationDt02025-06-06
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0TASHA D LOVE
ReturnHeader/ReturnTs02025-06-06T11:03:26-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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