Civic Intelligence

Pulaski & Giles Mutual Insurance

EIN 54-0348074 • 501(c)15 • Martinsburg, WV

Profile

Mutual property and casualty insurance company operating in the state of virginia

PO Box 1917Martinsburg, WV 25402-1917

n/A

Siviq Scores

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

Liabilities / Assets

69th percentile

0.13x

Higher debt load relative to assets than 69% of similar nonprofits.

$1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

87th percentile

0.65x

Higher debt load relative to revenue than 87% of similar nonprofits.

$1M-$5M nonprofits • Source year 2025

Net Margin

29th percentile

-5.9%

Higher net margin than 29% of similar nonprofits.

$1M-$5M nonprofits • Source year 2025

Top Officer Pay

48th percentile

$2,500

Higher top officer pay than 48% of similar nonprofits.

Top officer pay equals 0.5% of source-year revenue.

$1M-$5M nonprofits • Source year 2025

Asset Growth

61st percentile

6.1%

Faster asset growth than 61% of similar nonprofits.

$1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

65th percentile

21%

Faster revenue growth than 65% of similar nonprofits.

$1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets69th percentile

Assets

Up

$2,497,334

Up $208,640 (+9.1%) from 2023

Liabilities

Up

$322,231

Up $91,993 (+40%) from 2023

Net Assets

Up

$2,175,103

Up $116,647 (+5.7%) from 2023

Operations
Liabilities / Revenue87th percentileNet Margin29th percentile

Revenue

Up

$453,162

Up $98,396 (+28%) from 2023

Expenses

Up

$513,733

Up $198,951 (+63%) from 2023

Net Income

Down

-$60,571

Down $100,555 (-251%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth61st percentile

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

$3.0M$2.0M$1.0M$0Assets 2011: $1,182,263Liabilities 2011: $93,810Net Assets 2011: $1,088,4532011Assets 2012: $1,193,701Liabilities 2012: $90,870Net Assets 2012: $1,102,8312012Assets 2013: $1,207,904Liabilities 2013: $90,650Net Assets 2013: $1,117,2542013Assets 2014: $1,178,909Liabilities 2014: $90,270Net Assets 2014: $1,088,6392014Assets 2015: $1,150,841Liabilities 2015: $89,700Net Assets 2015: $1,061,1412015Assets 2016: $1,149,340Liabilities 2016: $99,091Net Assets 2016: $1,050,2492016Assets 2017: $1,968,258Liabilities 2017: $332,136Net Assets 2017: $1,636,1222017Assets 2018: $1,730,983Liabilities 2018: $147,472Net Assets 2018: $1,583,5112018Assets 2019: $1,834,535Liabilities 2019: $163,605Net Assets 2019: $1,670,9302019Assets 2020: $2,022,690Liabilities 2020: $221,174Net Assets 2020: $1,801,5162020Assets 2021: $2,287,196Liabilities 2021: $205,076Net Assets 2021: $2,082,1202021Assets 2022: $2,047,242Liabilities 2022: $195,229Net Assets 2022: $1,852,0132022Assets 2023: $2,288,694Liabilities 2023: $230,238Net Assets 2023: $2,058,4562023Assets 2024: $2,497,334Liabilities 2024: $322,231Net Assets 2024: $2,175,1032024

Highlighted filing

2024

Assets$2,497,334
Liabilities$322,231
Net Assets$2,175,103
Open 2024 Filing

Operations Trend

Revenue Growth65th percentile

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

$600K$400K$200K$0-$200KRevenue 2011: $128,072Expenses 2011: $190,704Net Income 2011: -$62,6322011Revenue 2012: $126,028Expenses 2012: $111,650Net Income 2012: $14,3782012Revenue 2013: $122,274Expenses 2013: $107,851Net Income 2013: $14,4232013Revenue 2014: $119,161Expenses 2014: $147,776Net Income 2014: -$28,6152014Revenue 2015: $118,529Expenses 2015: $146,027Net Income 2015: -$27,4982015Revenue 2016: $118,733Expenses 2016: $128,337Net Income 2016: -$9,6042016Revenue 2017: $115,975Expenses 2017: $310,281Net Income 2017: -$194,3062017Revenue 2018: $172,793Expenses 2018: $189,506Net Income 2018: -$16,7132018Revenue 2019: $196,747Expenses 2019: $207,563Net Income 2019: -$10,8162019Revenue 2020: $301,080Expenses 2020: $218,248Net Income 2020: $82,8322020Revenue 2021: $326,656Expenses 2021: $242,067Net Income 2021: $84,5892021Revenue 2022: $356,103Expenses 2022: $328,775Net Income 2022: $27,3282022Revenue 2023: $354,766Expenses 2023: $314,782Net Income 2023: $39,9842023Revenue 2024: $453,162Expenses 2024: $513,733Net Income 2024: -$60,5712024

Highlighted filing

2024

Revenue$453,162
Expenses$513,733
Net Income-$60,571
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$2,497,334
Liabilities
$322,231
Net assets
$2,175,103
Revenue
$453,162
Expenses
$513,733
Net income
-$60,571
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.50$0.32$2.18$0.45$0.51$0.06
2023Detailed filing. Detailed filing data is available for this year.$2.29$0.23$2.06$0.35$0.31$0.04
2022Detailed filing. Detailed filing data is available for this year.$2.05$0.20$1.85$0.36$0.33$0.03
2021Detailed filing. Detailed filing data is available for this year.$2.29$0.21$2.08$0.33$0.24$0.08
2020Detailed filing. Detailed filing data is available for this year.$2.02$0.22$1.80$0.30$0.22$0.08
2019Summary only. Only limited summary data is available for this year.$1.83$0.16$1.67$0.20$0.21$0.01
2018Summary only. Only limited summary data is available for this year.$1.73$0.15$1.58$0.17$0.19$0.02
2017Detailed filing. Detailed filing data is available for this year.$1.97$0.33$1.64$0.12$0.31$0.19
2016Summary only. Only limited summary data is available for this year.$1.15$0.10$1.05$0.12$0.13$0.01
2015Summary only. Only limited summary data is available for this year.$1.15$0.09$1.06$0.12$0.15$0.03
2014Summary only. Only limited summary data is available for this year.$1.18$0.09$1.09$0.12$0.15$0.03
2013Summary only. Only limited summary data is available for this year.$1.21$0.09$1.12$0.12$0.11$0.01
2012Summary only. Only limited summary data is available for this year.$1.19$0.09$1.10$0.13$0.11$0.01
2011Summary only. Only limited summary data is available for this year.$1.18$0.09$1.09$0.13$0.19$0.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 8, 2025
Return Version
2024v5.0
Gross Receipts
$625,361
Mission and Program Overview

Mission

Mutual property and casualty insurance company operating in the state of virginia

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$1,966,944$2,229,648▲ $262,704
Rtn Earn Endowment Incm Other Fnds$2,058,456$2,175,103▲ $116,647
Savings and Temporary Cash Investments$288,180$196,785▼ $91,395
Accounts Receivable$33,570$70,901▲ $37,331
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,288,694$2,497,334▲ $208,640
Liabilities
Deferred Revenue$191,605$249,491▲ $57,886
Accounts Payable and Accrued Expenses$6,633$42,740▲ $36,107
Other Liabilities$32,000$30,000▼ $2,000
Total Liabilities$230,238$322,231▲ $91,993
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,058,456$2,175,103▲ $116,647
Total Liabilities and Net Assets / Fund Balance$2,288,694$2,497,334▲ $208,640
Compensation and Service Providers
Top Officer Pay48th percentile

Employees

NameTitleBaseTotal
Michelle W DelungDirector/secretary$2,500$2,500
Jason B BucklandDirector$2,000$2,000

Board Members and Trustees

NameTitle
Foster L Sirbaugh JrDirector/president
Daniel R OttoDirector/vice President,treasurer
James P WhitacreDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$397,105
Investment Income
$54,223
Other Revenue
$1,834
Change in Net Assets
$-60,571
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$317,909
Salaries, Compensation, and Employee Benefits$4,500
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$191,324
Other Expenses---$61,922
Information Technology---$33,758
Fees for Services Management---$32,626
Current Officers, Directors, Trustees, and Key Employees---$4,500
All Other Expenses---$2,899
Occupancy---$2,308
Office Expenses---$1,882
Insurance---$1,078
Travel---$386
Total Functional Expenses$0$0$0$513,733
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
Net Outstanding Loss and Lae Reserve$30,000
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
No
Other officer compensation reviewed
No
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 6

“Each policyholder is a voting member”

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

“Each policholder is a member and has the power to elect or appoint additional members to the governing body”

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

“The form 990 is emailed to directors”

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

“Each director completes a conflict of interest statement annually”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflict of interest policy, and financial statements are available upon request”

Filing and Contact Details

Filer

Filer Name
Pulaski & Giles Mutual Insurance
EIN
54-0348074
Phone
3042630809
Address
PO BOX 1917, MARTINSBURG, WV 25402-1917

Signing Officer

Name
Daniel Otto
Title
VP/Treasurer
Phone
3045969927
Signed
2025-04-08

Organization Details

Principal Officer
Daniel R Otto
Formed
1900
Legal Domicile
Va
Voting Board Members
5
Independent Board Members
0
Employees
0
Volunteers
0
Raw XML Appendix339 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/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt030000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0NET OUTSTANDING LOSS AND LAE RESERVE
IRS990ScheduleD/TotalLiabilityAmt030000
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EACH POLICYHOLDER IS A VOTING MEMBER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EACH POLICHOLDER IS A MEMBER AND HAS THE POWER TO ELECT OR APPOINT ADDITIONAL MEMBERS TO THE GOVERNING BODY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FORM 990 IS EMAILED TO DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3EACH DIRECTOR COMPLETES A CONFLICT OF INTEREST STATEMENT ANNUALLY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt02288694
IRS990/TotalAssetsEOYAmt02497334
IRS990/TotalAssetsGrp/BOYAmt02288694
IRS990/TotalAssetsGrp/EOYAmt02497334
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0513733
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0230238
IRS990/TotalLiabilitiesEOYAmt0322231
IRS990/TotalLiabilitiesGrp/BOYAmt0230238
IRS990/TotalLiabilitiesGrp/EOYAmt0322231
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02058456
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02175103
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0513733
IRS990/TotalProgramServiceRevenueAmt0397105
IRS990/TotalReportableCompFromOrgAmt04500
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0453162
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0453162
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02288694
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02497334
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0386
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt025 ADMINISTRATIVE DRIVE
IRS990/USAddress/CityNm0MARTINSBURG
IRS990/USAddress/StateAbbreviationCd0WV
IRS990/USAddress/ZIPCd025404
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt00
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Daniel Otto
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0VP/Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum03045969927
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PULASKI & GILES MUTUAL INSURANCE
ReturnHeader/Filer/BusinessNameControlTxt0PULA
ReturnHeader/Filer/EIN0540348074
ReturnHeader/Filer/PhoneNum03042630809
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 1917
ReturnHeader/Filer/USAddress/CityNm0MARTINSBURG
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WV
ReturnHeader/Filer/USAddress/ZIPCd0254021917
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02025-04-11T12:28:00-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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