Civic Intelligence

Highland Mutual Fire Insurance

EIN 54-0246727 • 501(c)15 • Monterey, VA

Profile

Providing fire insurance to residents of Highland County, Virginia,

8171 Mill Gap RoadMonterey, VA 24465

n/A

Siviq Scores

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

Liabilities / Assets

39th percentile

0.00x

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

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

Liabilities / Revenue

40th percentile

0.00x

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

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

Net Margin

12th percentile

-45%

Higher net margin than 12% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

19th percentile

-8.4%

Faster asset growth than 19% of similar nonprofits.

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

Revenue Growth

54th percentile

9.3%

Faster revenue growth than 54% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets39th percentile

Assets

Down

$538,191

Down $49,085 (-8.4%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Down

$538,191

Down $49,085 (-8.4%) from 2023

Operations
Liabilities / Revenue40th percentileNet Margin12th percentile

Revenue

Up

$109,715

Up $9,323 (+9.3%) from 2023

Expenses

Up

$158,800

Up $88,421 (+126%) from 2023

Net Income

Down

-$49,085

Down $79,098 (-264%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth19th percentile

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

$600K$400K$200K$0Assets 2010: $385,572Liabilities 2010: $1,049Net Assets 2010: $384,5232010Assets 2011: $396,717Liabilities 2011: $0Net Assets 2011: $396,7172011Assets 2012: $388,303Liabilities 2012: $0Net Assets 2012: $388,3032012Assets 2013: $405,944Liabilities 2013: $0Net Assets 2013: $405,9442013Assets 2014: $422,350Net Assets 2014: $422,3502014Assets 2015: $441,886Net Assets 2015: $441,8862015Assets 2016: $448,209Net Assets 2016: $448,2092016Assets 2017: $513,306Liabilities 2017: $0Net Assets 2017: $513,3062017Assets 2018: $533,568Liabilities 2018: $0Net Assets 2018: $533,5682018Assets 2019: $531,267Liabilities 2019: $0Net Assets 2019: $531,2672019Assets 2020: $559,495Liabilities 2020: $0Net Assets 2020: $559,4952020Assets 2021: $567,251Liabilities 2021: $0Net Assets 2021: $567,2512021Assets 2022: $557,263Liabilities 2022: $0Net Assets 2022: $557,2632022Assets 2023: $587,276Liabilities 2023: $0Net Assets 2023: $587,2762023Assets 2024: $538,191Liabilities 2024: $0Net Assets 2024: $538,1912024

Highlighted filing

2024

Assets$538,191
Liabilities$0
Net Assets$538,191
Open 2024 Filing

Operations Trend

Revenue Growth54th percentile

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

$300K$200K$100K$0-$100KExpenses 2010: $71,7102010Expenses 2011: $23,7312011Expenses 2012: $45,1812012Revenue 2013: $35,495Expenses 2013: $17,854Net Income 2013: $17,6412013Revenue 2014: $80,921Expenses 2014: $64,515Net Income 2014: $16,4062014Revenue 2015: $85,049Expenses 2015: $65,513Net Income 2015: $19,5362015Revenue 2016: $87,162Expenses 2016: $80,839Net Income 2016: $6,3232016Revenue 2017: $134,933Expenses 2017: $69,836Net Income 2017: $65,0972017Revenue 2018: $91,942Expenses 2018: $71,680Net Income 2018: $20,2622018Revenue 2019: $93,898Expenses 2019: $96,199Net Income 2019: -$2,3012019Revenue 2020: $93,382Expenses 2020: $65,154Net Income 2020: $28,2282020Revenue 2021: $79,029Expenses 2021: $71,273Net Income 2021: $7,7562021Revenue 2022: $207,972Expenses 2022: $217,960Net Income 2022: -$9,9882022Revenue 2023: $100,392Expenses 2023: $70,379Net Income 2023: $30,0132023Revenue 2024: $109,715Expenses 2024: $158,800Net Income 2024: -$49,0852024

Highlighted filing

2024

Revenue$109,715
Expenses$158,800
Net Income-$49,085
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$538,191
Liabilities
$0
Net assets
$538,191
Revenue
$109,715
Expenses
$158,800
Net income
-$49,085
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5.38$0.00$5.38$1.10$1.59$0.49
2023Detailed filing. Detailed filing data is available for this year.$5.87$0.00$5.87$1.00$0.70$0.30
2022Detailed filing. Detailed filing data is available for this year.$5.57$0.00$5.57$2.08$2.18$0.10
2021Detailed filing. Detailed filing data is available for this year.$5.67$0.00$5.67$0.79$0.71$0.08
2020Detailed filing. Detailed filing data is available for this year.$5.59$0.00$5.59$0.93$0.65$0.28
2019Detailed filing. Detailed filing data is available for this year.$5.31$0.00$5.31$0.94$0.96$0.02
2018Detailed filing. Detailed filing data is available for this year.$5.34$0.00$5.34$0.92$0.72$0.20
2017Detailed filing. Detailed filing data is available for this year.$5.13$0.00$5.13$1.35$0.70$0.65
2016Detailed filing. Detailed filing data is available for this year.$4.48$4.48$0.87$0.81$0.06
2015Detailed filing. Detailed filing data is available for this year.$4.42$4.42$0.85$0.66$0.20
2014Detailed filing. Detailed filing data is available for this year.$4.22$4.22$0.81$0.65$0.16
2013Detailed filing. Detailed filing data is available for this year.$4.06$0.00$4.06$0.35$0.18$0.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.88$0.00$3.88$0.45
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.97$0.00$3.97$0.24
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.86$0.01$3.85$0.72
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 15, 2025
Return Version
2024v5.1
Gross Receipts
$109,715
Mission and Program Overview

Mission

Providing fire insurance to residents of Highland County, Virginia,

Providing fire insurance to residents of Highland and Bath Counties Virginia.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$587,276$538,191▼ $49,085
Savings and Temporary Cash Investments$586,525$537,747▼ $48,778
Cash and Non-Interest-Bearing Accounts$751$444▼ $307
Total Assets$587,276$538,191▼ $49,085
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$587,276$538,191▼ $49,085
Total Liabilities and Net Assets / Fund Balance$587,276$538,191▼ $49,085
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Nancy VancePresidentPT$2,865$2,865
Nancy SweitzerSecretary/Treasurer-$951$951
Jesse SweckerVice President-$746$746
Angela Lindsaydirector-$390$390
Joe Neildirector-$330$330
Ronald Whitedirector-$225$225
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$88,461
Investment Income
$21,254
Other Revenue
$0
Change in Net Assets
$-49,085
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$144,706
Salaries, Compensation, and Employee Benefits$13,919
Grants and Similar Amounts Paid$175
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Insurance$52,173$0$0$52,173
Other Salaries and Wages$6,800$1,000$0$7,800
Current Officers, Directors, Trustees, and Key Employees$3,330$1,950$0$5,280
Office Expenses$0$2,042$0$2,042
Other Expenses$2,023$0$0$2,023
Travel$1,353$0$0$1,353
Advertising$969$0$0$969
Payroll Taxes$839$0$0$839
Conferences and Meetings$0$412$0$412
Fees for Services Accounting$0$315$0$315
Grants to Domestic Orgs$175--$175
Total Functional Expenses$152,952$5,848$0$158,800
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
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Highland Mutual Fire Insurance
EIN
54-0246727
Phone
5404992700
Address
8171 Mill Gap Road, Monterey, VA 24465

Signing Officer

Name
Nancy Vance
Title
President
Phone
5404992700
Signed
2025-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Nancy Vance
Formed
1916
Legal Domicile
Va
Voting Board Members
6
Independent Board Members
6
Employees
2
Volunteers
0

Preparer

Firm
Billingsley & Billingsley CPAs
Address
PO Box 523, Monterey, VA 24465
Preparer
Kim W Billingsley CPA
Phone
5404681150
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“The bylaws of the organization state that every person making an application for insurance coverage through Highland Mutual Fire Insurance must make an application for membership.”

Pt VI, Line 7A

“The directors and officers of the organization are elected annually by the membership.”

Pt VI, Line 7B

“The membership must approve changes to the governing documents including changes to the bylaws of the organization.”

Pt VI, Line 11B

“the President and Secretary/Treasurer reviewed the Form 990 before it was filed. The filed 990 was made available to the governing board.”

Raw XML Appendix318 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The bylaws of the organization state that every person making an application for insurance coverage through Highland Mutual Fire Insurance must make an application for membership.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The directors and officers of the organization are elected annually by the membership.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The membership must approve changes to the governing documents including changes to the bylaws of the organization.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3the President and Secretary/Treasurer reviewed the Form 990 before it was filed. The filed 990 was made available to the governing board.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
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IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt088461
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0109715
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0587276
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0538191
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/FundraisingAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt00
IRS990/TravelGrp/ProgramServicesAmt01353
IRS990/TravelGrp/TotalAmt01353
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt02963 Davis Run Rd
IRS990/USAddress/CityNm0McDowell
IRS990/USAddress/StateAbbreviationCd0VA
IRS990/USAddress/ZIPCd024458
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Nancy Vance
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum05404992700
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Highland Mutual Fire Insurance
ReturnHeader/Filer/BusinessNameControlTxt0HIGH
ReturnHeader/Filer/EIN0540246727
ReturnHeader/Filer/PhoneNum05404992700
ReturnHeader/Filer/USAddress/AddressLine1Txt08171 Mill Gap Road
ReturnHeader/Filer/USAddress/CityNm0Monterey
ReturnHeader/Filer/USAddress/StateAbbreviationCd0VA
ReturnHeader/Filer/USAddress/ZIPCd024465
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0010561495
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Billingsley & Billingsley CPAs
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO Box 523
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Monterey
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0VA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd024465
ReturnHeader/PreparerPersonGrp/PhoneNum05404681150
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Kim W Billingsley CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-05-15T11:06:32-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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