Civic Intelligence

Mutual Ins Co of Saline & Seward Counties

EIN 47-0246505 • 501(c)15 • Crete, NE

Profile

Writing policies to insure the properties of our insureds, adjust losses, bookkeeping.

236 County Road 2000Crete, NE 68333
Siviq Scores

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

Liabilities / Assets

32nd percentile

0.00x

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

$1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

33rd percentile

0.00x

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

$1M-$5M nonprofits • Source year 2024

Net Margin

27th percentile

-7.1%

Higher net margin than 27% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Top Officer Pay

55th percentile

$27,000

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 3.0% of source-year revenue.

$1M-$5M nonprofits • Source year 2024

Asset Growth

26th percentile

-3.2%

Faster asset growth than 26% of similar nonprofits.

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

Revenue Growth

61st percentile

17%

Faster revenue growth than 61% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Down

$1,927,644

Down $63,668 (-3.2%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Down

$1,927,644

Down $63,668 (-3.2%) from 2023

Operations
Liabilities / Revenue33rd percentileNet Margin27th percentile

Revenue

Up

$898,204

Up $128,338 (+17%) from 2023

Expenses

Up

$961,872

Up $236,499 (+33%) from 2023

Net Income

Down

-$63,668

Down $108,161 (-243%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth26th percentile

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

$3.0M$2.0M$1.0M$0Assets 2011: $1,025,258Liabilities 2011: $0Net Assets 2011: $1,025,2582011Assets 2012: $1,086,943Liabilities 2012: $0Net Assets 2012: $1,086,9432012Assets 2013: $1,111,791Liabilities 2013: $0Net Assets 2013: $1,111,7912013Assets 2014: $1,085,765Liabilities 2014: $0Net Assets 2014: $1,085,7652014Assets 2015: $1,337,987Liabilities 2015: $0Net Assets 2015: $1,337,9872015Assets 2016: $1,490,615Liabilities 2016: $0Net Assets 2016: $1,490,6152016Assets 2017: $1,694,447Liabilities 2017: $0Net Assets 2017: $1,694,4472017Assets 2018: $1,904,423Liabilities 2018: $0Net Assets 2018: $1,904,4232018Assets 2019: $2,046,628Liabilities 2019: $0Net Assets 2019: $2,046,6282019Assets 2020: $1,972,418Liabilities 2020: $0Net Assets 2020: $1,972,4182020Assets 2022: $1,946,819Liabilities 2022: $0Net Assets 2022: $1,946,8192022Assets 2023: $1,991,312Liabilities 2023: $0Net Assets 2023: $1,991,3122023Assets 2024: $1,927,644Liabilities 2024: $0Net Assets 2024: $1,927,6442024

Highlighted filing

2024

Assets$1,927,644
Liabilities$0
Net Assets$1,927,644
Open 2024 Filing

Operations Trend

Revenue Growth61st percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KRevenue 2011: $396,663Expenses 2011: $318,197Net Income 2011: $78,4662011Revenue 2012: $379,861Expenses 2012: $318,175Net Income 2012: $61,6862012Revenue 2013: $390,626Expenses 2013: $360,624Net Income 2013: $30,0022013Revenue 2014: $1,490,497Expenses 2014: $1,516,524Net Income 2014: -$26,0272014Revenue 2015: $958,739Expenses 2015: $706,517Net Income 2015: $252,2222015Revenue 2016: $609,699Expenses 2016: $457,070Net Income 2016: $152,6292016Revenue 2017: $563,873Expenses 2017: $360,042Net Income 2017: $203,8312017Revenue 2018: $563,320Expenses 2018: $353,344Net Income 2018: $209,9762018Revenue 2019: $466,883Expenses 2019: $324,678Net Income 2019: $142,2052019Revenue 2020: $463,258Expenses 2020: $537,468Net Income 2020: -$74,2102020Revenue 2022: $839,774Expenses 2022: $1,029,239Net Income 2022: -$189,4652022Revenue 2023: $769,866Expenses 2023: $725,373Net Income 2023: $44,4932023Revenue 2024: $898,204Expenses 2024: $961,872Net Income 2024: -$63,6682024

Highlighted filing

2024

Revenue$898,204
Expenses$961,872
Net Income-$63,668
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$1,927,644
Liabilities
$0
Net assets
$1,927,644
Revenue
$898,204
Expenses
$961,872
Net income
-$63,668
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.93$0.00$1.93$0.90$0.96$0.06
2023Detailed filing. Detailed filing data is available for this year.$1.99$0.00$1.99$0.77$0.73$0.04
2022Detailed filing. Detailed filing data is available for this year.$1.95$0.00$1.95$0.84$1.03$0.19
2020Detailed filing. Detailed filing data is available for this year.$1.97$0.00$1.97$0.46$0.54$0.07
2019Summary only. Only limited summary data is available for this year.$2.05$0.00$2.05$0.47$0.32$0.14
2018Summary only. Only limited summary data is available for this year.$1.90$0.00$1.90$0.56$0.35$0.21
2017Summary only. Only limited summary data is available for this year.$1.69$0.00$1.69$0.56$0.36$0.20
2016Summary only. Only limited summary data is available for this year.$1.49$0.00$1.49$0.61$0.46$0.15
2015Summary only. Only limited summary data is available for this year.$1.34$0.00$1.34$0.96$0.71$0.25
2014Summary only. Only limited summary data is available for this year.$1.09$0.00$1.09$1.49$1.52$0.03
2013Summary only. Only limited summary data is available for this year.$1.11$0.00$1.11$0.39$0.36$0.03
2012Summary only. Only limited summary data is available for this year.$1.09$0.00$1.09$0.38$0.32$0.06
2011Summary only. Only limited summary data is available for this year.$1.03$0.00$1.03$0.40$0.32$0.08
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 23, 2025
Return Version
2024v5.1
Gross Receipts
$898,204
Mission and Program Overview

Mission

Writing policies to insure the properties of our insureds, adjust losses, bookkeeping.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,672,095$1,617,428▼ $54,667
Cash and Non-Interest-Bearing Accounts$319,217$310,216▼ $9,001
Total Assets$1,991,312$1,927,644▼ $63,668
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,991,312$1,927,644▼ $63,668
Total Net Assets Fund Balance$1,991,312$1,927,644▼ $63,668
Total Liabilities and Net Assets / Fund Balance$1,991,312$1,927,644▼ $63,668
Compensation and Service Providers
Top Officer Pay55th percentile

Employees

NameTitleBaseTotal
Cheryl RetherfordSecretaryTreasurer$27,000$27,000
Jim KrejciPresident$2,500$2,500

Board Members and Trustees

NameTitle
Bill StahlyVice President
Dave WelschDirector
Diana PomajzlDirector
Donald JirsaDirector
John RetherfordDirector
Kelli PracheilDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$838,867
Investment Income
$59,337
Other Revenue
$0
Change in Net Assets
$-63,668
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$930,178
Salaries, Compensation, and Employee Benefits$31,694
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Insurance$501,138--$501,138
Other Salaries and Wages$26,626--$26,626
Fees for Services Other$24,606--$24,606
Payroll Taxes$5,068--$5,068
Other Expenses$4,294--$4,294
All Other Expenses$2,116--$2,116
Occupancy$1,200--$1,200
Office Expenses$476--$476
Total Functional Expenses$961,872$0$0$961,872
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
Annual disclosure for covered persons
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

Members or stockholder classes and rights Part VI line 6

“Section A, Line 6 - Yes, all policy holders are stockholders”

Member election for additional members Part VI line 7A

“Line 7(a) - Yes, policy holders elect the governing body.”

Committee meeting documentation Part VI line 8B

“Line 8(b) - There are no committees with authority to act for the governing body.”

Form 990 governing body review Part VI line 11

“The board of directors may have access to review Form 990 at the office at any time they choose.”

CEO executive director top management comp Part VI line 15A

“At each annual meeting, the salaries of the employees are discussed and voted on.”

Other officer or key employee compensation Part VI line 15B

“At each annual meeting, which is held on or before April 30 of each year, the salaries of employees are discussed and voted on. At each annual meeting, the salaries of employees are discussed and voted on.”

Form 990 availability to public Part VI line 18

“One of the duties of the secretary is to prepare an annual statement showing the condition of this company and the business transacted the preceding year. The statement is mailed to each policyholder with the date of the annual meeting, set by the BOD.”

Governing documents etc available to public Part VI line 19

“Governing documents are retained at the office and are available for inspection.”

Filing and Contact Details

Filer

Filer Name
Mutual Ins Co of Saline & Seward Counties
EIN
47-0246505
In Care Of
% Cheryl Retherford
Phone
4028265451
Address
236 County Road 2000, Crete, NE 68333

Signing Officer

Name
Cheryl Retherford
Title
Secretary Treasurer
Phone
4028265451
Signed
2025-04-23
Discuss with paid preparer
No

Organization Details

Formed
1890
Legal Domicile
Ne
Voting Board Members
5
Independent Board Members
5
Employees
2

Preparer

Firm
Hanson Hroch & Kuntz
Address
1331 MAIN, Crete, NE 68333
Preparer
Justin Kuntz
Phone
4028264354
Supplemental Narrative

Additional Explanations

Part XII Response or note to any line in Part XII

“990 Part XIIThe NE State Department of Insurance conducts an audit every 5 years. An audit took place August 5 and 6, 2015 and is in the process of currently, for the years 2015-2019.”

Raw XML Appendix388 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Section A, Line 6 - Yes, all policy holders are stockholders
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Line 7(a) - Yes, policy holders elect the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Line 8(b) - There are no committees with authority to act for the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The board of directors may have access to review Form 990 at the office at any time they choose.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4At each annual meeting, the salaries of the employees are discussed and voted on.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5At each annual meeting, which is held on or before April 30 of each year, the salaries of employees are discussed and voted on. At each annual meeting, the salaries of employees are discussed and voted on.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6One of the duties of the secretary is to prepare an annual statement showing the condition of this company and the business transacted the preceding year. The statement is mailed to each policyholder with the date of the annual meeting, set by the BOD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Governing documents are retained at the office and are available for inspection.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8990 Part XIIThe NE State Department of Insurance conducts an audit every 5 years. An audit took place August 5 and 6, 2015 and is in the process of currently, for the years 2015-2019.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Committee meeting documentation Part VI line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990 availability to public Part VI line 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Part XII Response or note to any line in Part XII
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0CHERYL RETHERFORD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Secretary Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum04028265451
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Mutual Ins Co of Saline & Seward Counties
ReturnHeader/Filer/BusinessNameControlTxt0MUTU
ReturnHeader/Filer/EIN0470246505
ReturnHeader/Filer/InCareOfNm0% Cheryl Retherford
ReturnHeader/Filer/PhoneNum04028265451
ReturnHeader/Filer/USAddress/AddressLine1Txt0236 County Road 2000
ReturnHeader/Filer/USAddress/CityNm0Crete
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NE
ReturnHeader/Filer/USAddress/ZIPCd068333
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0470408618
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0HANSON HROCH & KUNTZ
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01331 MAIN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Crete
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd068333
ReturnHeader/PreparerPersonGrp/PhoneNum04028264354
ReturnHeader/PreparerPersonGrp/PreparationDt02025-04-21
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JUSTIN KUNTZ
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-04-21T11:32:09-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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