Civic Intelligence

Mutual Protective Association of Wv

EIN 55-0241070 • 501(c)15 • Moorefield, WV

Profile

Provide property and casualty insurance to members

109 Washington StreetMoorefield, WV 26836
Siviq Scores

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

Liabilities / Assets

63rd percentile

0.09x

Higher debt load relative to assets than 63% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

83rd percentile

0.48x

Higher debt load relative to revenue than 83% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Net Margin

43rd percentile

1.7%

Higher net margin than 43% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Top Officer Pay

60th percentile

$48,633

Higher top officer pay than 60% of similar nonprofits.

Top officer pay equals 9.0% of source-year revenue.

$1M-$5M nonprofits • Source year 2024

Asset Growth

46th percentile

1.6%

Faster asset growth than 46% of similar nonprofits.

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

Revenue Growth

54th percentile

11%

Faster revenue growth than 54% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets63rd percentile

Assets

Up

$3,032,810

Up $48,580 (+1.6%) from 2023

Liabilities

Up

$259,319

Up $8,591 (+3.4%) from 2023

Net Assets

Up

$2,773,491

Up $39,989 (+1.5%) from 2023

Operations
Liabilities / Revenue83rd percentileNet Margin43rd percentile

Revenue

Up

$539,334

Up $55,503 (+11%) from 2023

Expenses

Up

$529,946

Up $239,844 (+83%) from 2023

Net Income

Down

$9,388

Down $184,341 (-95%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth46th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2011: $1,913,032Liabilities 2011: $186,702Net Assets 2011: $1,726,3302011Assets 2012: $1,911,182Liabilities 2012: $191,979Net Assets 2012: $1,719,2032012Assets 2013: $1,964,831Liabilities 2013: $184,264Net Assets 2013: $1,780,5672013Assets 2014: $1,944,140Liabilities 2014: $198,648Net Assets 2014: $1,745,4922014Assets 2015: $1,978,532Liabilities 2015: $217,929Net Assets 2015: $1,760,6032015Assets 2016: $2,052,364Liabilities 2016: $236,288Net Assets 2016: $1,816,0762016Assets 2017: $2,220,155Liabilities 2017: $236,677Net Assets 2017: $1,983,4782017Assets 2018: $2,223,684Liabilities 2018: $245,061Net Assets 2018: $1,978,6232018Assets 2019: $2,420,195Liabilities 2019: $235,944Net Assets 2019: $2,184,2512019Assets 2020: $2,727,998Liabilities 2020: $236,638Net Assets 2020: $2,491,3602020Assets 2021: $2,778,923Liabilities 2021: $252,868Net Assets 2021: $2,526,0552021Assets 2022: $2,733,663Liabilities 2022: $250,469Net Assets 2022: $2,483,1942022Assets 2023: $2,984,230Liabilities 2023: $250,728Net Assets 2023: $2,733,5022023Assets 2024: $3,032,810Liabilities 2024: $259,319Net Assets 2024: $2,773,4912024

Highlighted filing

2024

Assets$3,032,810
Liabilities$259,319
Net Assets$2,773,491
Open 2024 Filing

Operations Trend

Revenue Growth54th percentile

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

$600K$400K$200K$0-$200KRevenue 2011: $289,909Expenses 2011: $252,356Net Income 2011: $37,5532011Revenue 2012: $248,241Expenses 2012: $255,368Net Income 2012: -$7,1272012Revenue 2013: $316,383Expenses 2013: $255,019Net Income 2013: $61,3642013Revenue 2014: $319,791Expenses 2014: $351,439Net Income 2014: -$31,6482014Revenue 2015: $356,664Expenses 2015: $313,524Net Income 2015: $43,1402015Revenue 2016: $405,722Expenses 2016: $338,882Net Income 2016: $66,8402016Revenue 2017: $426,425Expenses 2017: $311,013Net Income 2017: $115,4122017Revenue 2018: $443,777Expenses 2018: $357,405Net Income 2018: $86,3722018Revenue 2019: $448,116Expenses 2019: $404,292Net Income 2019: $43,8242019Revenue 2020: $502,252Expenses 2020: $343,991Net Income 2020: $158,2612020Revenue 2021: $477,980Expenses 2021: $462,710Net Income 2021: $15,2702021Revenue 2022: $494,354Expenses 2022: $311,292Net Income 2022: $183,0622022Revenue 2023: $483,831Expenses 2023: $290,102Net Income 2023: $193,7292023Revenue 2024: $539,334Expenses 2024: $529,946Net Income 2024: $9,3882024

Highlighted filing

2024

Revenue$539,334
Expenses$529,946
Net Income$9,388
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$3,032,810
Liabilities
$259,319
Net assets
$2,773,491
Revenue
$539,334
Expenses
$529,946
Net income
$9,388
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.03$0.26$2.77$0.54$0.53$0.01
2023Summary only. Only limited summary data is available for this year.$2.98$0.25$2.73$0.48$0.29$0.19
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.73$0.25$2.48$0.49$0.31$0.18
2021Summary only. Only limited summary data is available for this year.$2.78$0.25$2.53$0.48$0.46$0.02
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.73$0.24$2.49$0.50$0.34$0.16
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.42$0.24$2.18$0.45$0.40$0.04
2018Summary only. Only limited summary data is available for this year.$2.22$0.25$1.98$0.44$0.36$0.09
2017Summary only. Only limited summary data is available for this year.$2.22$0.24$1.98$0.43$0.31$0.12
2016Summary only. Only limited summary data is available for this year.$2.05$0.24$1.82$0.41$0.34$0.07
2015Summary only. Only limited summary data is available for this year.$1.98$0.22$1.76$0.36$0.31$0.04
2014Summary only. Only limited summary data is available for this year.$1.94$0.20$1.75$0.32$0.35$0.03
2013Summary only. Only limited summary data is available for this year.$1.96$0.18$1.78$0.32$0.26$0.06
2012Summary only. Only limited summary data is available for this year.$1.91$0.19$1.72$0.25$0.26$0.01
2011Summary only. Only limited summary data is available for this year.$1.91$0.19$1.73$0.29$0.25$0.04
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 12, 2025
Return Version
2024v5.1
Gross Receipts
$783,993
Mission and Program Overview

Mission

Provide property and casualty insurance to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$2,733,502$2,773,491▲ $39,989
Investments in Publicly Traded Securities$2,485,912$2,438,501▼ $47,411
Savings and Temporary Cash Investments$297,285$414,431▲ $117,146
Land, Buildings, and Equipment, Net$106,753$102,488▼ $4,265
Cash and Non-Interest-Bearing Accounts$74,429$56,707▼ $17,722
Prepaid Expenses and Deferred Charges$4,573$4,700▲ $127
Total Assets$2,984,230$3,032,810▲ $48,580
Other Assets Total$15,278$15,983▲ $705
Liabilities
Other Liabilities$240,450$249,086▲ $8,636
Deferred Revenue$7,724$6,273▼ $1,451
Accounts Payable and Accrued Expenses$2,554$3,960▲ $1,406
Total Liabilities$250,728$259,319▲ $8,591
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,733,502$2,773,491▲ $39,989
Total Liabilities and Net Assets / Fund Balance$2,984,230$3,032,810▲ $48,580

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$77,488$29,146-
Land$25,000--
Equipment-$57,604-
Compensation and Service Providers
Top Officer Pay60th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Art MeadowsSecretarytreasurerPT$48,633$48,633
DONALD J BAKER JrPresident-$9,369$9,369
Donna AlexanderDirector-$9,369$9,369
Keith E PotterDirector-$9,369$9,369
James M CookmanVice-president-$8,869$8,869
Cara MitchellDirector-$4,000$4,000
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$382,925
Investment Income
$155,206
Other Revenue
$1,203
Change in Net Assets
$9,388
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$412,706
Salaries, Compensation, and Employee Benefits$117,240
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management$81,368--$81,368
All Other Expenses$65,638--$65,638
Current Officers, Directors, Trustees, and Key Employees$58,926--$58,926
Other Salaries and Wages$40,042--$40,042
Information Technology$16,208--$16,208
Insurance$11,239--$11,239
Other Employee Benefits$7,741--$7,741
Payroll Taxes$7,639--$7,639
Travel$6,896--$6,896
Fees for Services Other$6,550--$6,550
Occupancy$6,129--$6,129
Other Expenses$5,063--$5,063
Office Expenses$4,494--$4,494
Depreciation Depletion$4,265--$4,265
Pension Plan Contributions$2,892--$2,892
Advertising$540--$540
Total Functional Expenses$529,946$0$0$529,946
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Unearned Premium Reserve$247,086
Premium Refund Liability$2,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“The organization is made up of members and directors. There are no stockholders.”

Member election for additional members Part VI line 7A

“Members of the organization have the power to elect the governing body”

Governing body decisions Part VI line 7B

“Goverence decisions are subject to approval by members and the board of directors”

Form 990 governing body review Part VI line 11

“A copy of form 990 is provided to all governing members for review before filing”

Conflict of interest policy compliance Part VI line 12C

“The board of directors is actively involved”

CEO executive director top management comp Part VI line 15A

“The board reviews and approves compensation for all officers, directors and employees”

Other officer or key employee compensation Part VI line 15B

“The board reviews and approves compensation for all officers, directors and employees”

Governing documents etc available to public Part VI line 19

“Governing documents and financial statements are available to the public upon request”

Filing and Contact Details

Filer

Filer Name
Mutual Protective Association of Wv
EIN
55-0241070
In Care Of
% Art Meadows
Phone
3048976566
Address
109 WASHINGTON STREET, Moorefield, WV 26836

Signing Officer

Name
Art Meadows
Title
Executive Manager
Phone
3048976566
Signed
2025-05-12
Discuss with paid preparer
No

Organization Details

Formed
1911
Legal Domicile
Wv
Voting Board Members
6
Independent Board Members
5
Employees
2

Preparer

Firm
R Thomas CPA & Associates
Address
PO Box 655, Moorefield, WV 26836
Preparer
Rosalie Thomas
Phone
3045302035
Supplemental Narrative

Additional Explanations

List of other expenses Part IX line 24E

“See 990 overflow statement page 1”

Raw XML Appendix360 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/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE-PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS MADE UP OF MEMBERS AND DIRECTORS. THERE ARE NO STOCKHOLDERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE ORGANIZATION HAVE THE POWER TO ELECT THE GOVERNING BODY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2GOVERENCE DECISIONS ARE SUBJECT TO APPROVAL BY MEMBERS AND THE BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COPY OF FORM 990 IS PROVIDED TO ALL GOVERNING MEMBERS FOR REVIEW BEFORE FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS IS ACTIVELY INVOLVED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD REVIEWS AND APPROVES COMPENSATION FOR ALL OFFICERS, DIRECTORS AND EMPLOYEES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD REVIEWS AND APPROVES COMPENSATION FOR ALL OFFICERS, DIRECTORS AND EMPLOYEES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8SEE 990 OVERFLOW STATEMENT PAGE 1
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/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8List of other expenses Part IX line 24e
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0ART MEADOWS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum03048976566
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MUTUAL PROTECTIVE ASSOCIATION OF WV
ReturnHeader/Filer/BusinessNameControlTxt0MUTU
ReturnHeader/Filer/EIN0550241070
ReturnHeader/Filer/InCareOfNm0% Art Meadows
ReturnHeader/Filer/PhoneNum03048976566
ReturnHeader/Filer/USAddress/AddressLine1Txt0109 WASHINGTON STREET
ReturnHeader/Filer/USAddress/CityNm0Moorefield
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WV
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0260445120
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0R Thomas CPA & Associates
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO Box 655
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Moorefield
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WV
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd026836
ReturnHeader/PreparerPersonGrp/PhoneNum03045302035
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ROSALIE THOMAS
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-05-12T08:30:46-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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