St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind
EIN: 311008142 · Saint Meinrad, IN
| Metric | Value |
|---|---|
| Total Expenses | $604K |
| Net Assets | $1.8M |
Is St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind Legit?
Insufficient Data
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
About St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind
St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind (EIN: 311008142) is a nonprofit organization based in Saint Meinrad, IN. The organization reported total revenue of $0 and total assets of $0 according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind is a small nonprofit that has been operating for 45 years, with 9 years of IRS 990 filings on record (2011–2019). Revenue has grown at a compound annual rate of 5.2%.
Key Financial Metrics (2019)
From the most recent IRS 990 filing on record:
| Total Revenue | $576K |
| Total Expenses | $604K |
| Surplus / Deficit | $-27,910 |
| Total Assets | $2.1M |
| Total Liabilities | $264K |
| Net Assets | $1.8M |
| Operating Margin | -4.8% |
| Debt-to-Asset Ratio | 12.8% |
| Months of Reserves | 40.9 months |
Financial Health Grade: B
In 2019, St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind reported a deficit of $28K with expenses exceeding revenue, holds 40.9 months of operating reserves (strong position), has a debt-to-asset ratio of 12.8% (very low leverage).
Financial Trends
Over 9 years of filings (2011–2019), St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind's revenue has grown at a compound annual growth rate (CAGR) of 5.2%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2019 | +1.3% | +29.7% | +3.6% |
| 2018 | -1.9% | -3.8% | +6.7% |
| 2017 | -34.7% | -41.4% | +5.7% |
| 2016 | +83.4% | +93.6% | -0.7% |
| 2015 | +9.7% | -6.5% | +10.1% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1981 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Analysis Pending
AI enrichment for St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind has not yet been completed. Basic IRS 990 data is shown below. Check back later for a full transparency report including a Mission Score, spending breakdown, executive compensation analysis, and red flags assessment.
Mission Effectiveness Score
NonprofitSpending's AI analysis rates St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind with a Mission Score of 0 out of 100 (Very Poor). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Key Financial Metrics (2019)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $28K, with expenses exceeding revenue.
- Debt-to-asset ratio: 12.8%.
Frequently Asked Questions about St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind
Is St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind a legitimate charity?
Based on AI analysis of IRS 990 filings, St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind (EIN: 311008142) insufficient data. 0 red flags identified, 0 strengths noted.
How does St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind spend its money?
Detailed spending breakdown data is not yet available for St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind. Check back for updated IRS 990 analysis.
Are donations to St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind tax-deductible?
St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind is registered as a tax-exempt nonprofit (EIN: 311008142). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Where is St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind located?
St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind is headquartered in Saint Meinrad, Indiana and files with the IRS under EIN 311008142.
How many years of IRS 990 filings does St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind have?
St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind has 9 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends.
Filing History
IRS 990 filing history for St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind showing financial trends over 9 years of public records:
Over 9 years of IRS 990 filings (2011–2019), St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind's revenue has grown by 50.5%, moving from $382K to $576K. Total assets increased by 46.6% over the same period, from $1.4M to $2.1M. Total functional expenses rose by 20.2%, from $502K to $604K. In its most recent filing year (2019), St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind reported a deficit of $28K, with expenses exceeding revenue. The organization holds $264K in liabilities against $2.1M in assets (debt-to-asset ratio: 12.8%), resulting in net assets of $1.8M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2019 | $576K | $604K | $2.1M | $264K | — | View 990 |
| 2018 | $568K | $465K | $2.0M | $259K | — | View 990 |
| 2017 | $579K | $484K | $1.9M | $239K | — | View 990 |
| 2016 | $887K | $826K | $1.8M | $234K | — | View 990 |
| 2015 | $484K | $427K | $1.8M | $307K | — | View 990 |
| 2014 | $441K | $456K | $1.6M | $202K | — | View 990 |
| 2013 | $464K | $327K | $1.6M | $168K | — | View 990 |
| 2012 | $452K | $421K | $1.5M | $170K | — | View 990 |
| 2011 | $382K | $502K | $1.4M | $147K | — | View 990 |
Year-by-Year Financial Summary
- 2019: Revenue of $576K, expenses of $604K, and assets of $2.1M (revenue +1.3% year-over-year).
- 2018: Revenue of $568K, expenses of $465K, and assets of $2.0M (revenue -1.9% year-over-year).
- 2017: Revenue of $579K, expenses of $484K, and assets of $1.9M (revenue -34.7% year-over-year).
- 2016: Revenue of $887K, expenses of $826K, and assets of $1.8M (revenue +83.4% year-over-year).
- 2015: Revenue of $484K, expenses of $427K, and assets of $1.8M (revenue +9.7% year-over-year).
- 2014: Revenue of $441K, expenses of $456K, and assets of $1.6M (revenue -4.9% year-over-year).
- 2013: Revenue of $464K, expenses of $327K, and assets of $1.6M (revenue +2.5% year-over-year).
- 2012: Revenue of $452K, expenses of $421K, and assets of $1.5M (revenue +18.3% year-over-year).
- 2011: Revenue of $382K, expenses of $502K, and assets of $1.4M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind:
Data Sources and Methodology
This transparency report for St Joseph Mutual Home Insurance Company Of Fulda & St Meinrad Ind is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.