Lutheran Fire & Lightning Insurance Co of Lawrence & Ads Counties
501(c)(15)
Only null% goes to programs Strong reserves Growing revenue
Lutheran Fire & Lightning Insurance Co of Lawrence & Ads Counties is a 501(c)(15) organization based in Purdy, Missouri, registered in 1966, with $467,956 in FY2025 revenue. CharityIndex grades it C+.
P0- Box 67, Purdy, MO, 65734 EIN 44-0595036 Since 1966
Revenue (FY2025)
$468K
▲ 13.9% vs prior year
Expenses (FY2025)
$492K
Net assets
$1.7M
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
C+
—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for Lutheran Fire & Lightning Insurance Co of Lawrence & Ads Counties— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
B+Financial health25% of the rating41 mo reserves · -5% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Lutheran Fire & Lightning Insurance Co of Lawrence & Ads Counties: 41 mo reserves · -5% margin earns a B+ on this criterion. See the exact thresholds →
—Governance25% of the ratingNot reported in this filing type
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for Lutheran Fire & Lightning Insurance Co of Lawrence & Ads Counties— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
DTransparency10% of the rating1 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Lutheran Fire & Lightning Insurance Co of Lawrence & Ads Counties: 1 of 5 disclosure signals earns a D on this criterion. See the exact thresholds →
Show this grade on your website
A live seal — it updates automatically when the grade changes and links donors to this verified profile.
Contact & location
Financial trends
Revenue grew from $268K (FY2015) to $468K (FY2025) across 11 reported years.
Financial snapshot
Financial health & position (FY2025)
Liabilities $198KNet assets $1.7M
Operating margin
-5.2%
Spent more than it raised in the latest fiscal year.
Total assets
$1.9M
Total liabilities
$198K
Net assets
$1.7M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2025 | $467,956▲13.9% | $492,267▲32.6% | $1,694,047▼1.4% | $1,892,112▼0.5% | 990 |
| 2024 | $410,819▲14.6% | $371,153▼7.1% | $1,718,359▲2.4% | $1,901,483▲4.3% | 990 |
| 2023 | $358,478▲6.5% | $399,443▲23.7% | $1,678,693▼2.4% | $1,823,726▼1.5% | 990 |
| 2022 | $336,495▲3.1% | $322,956▲44.3% | $1,719,658▲0.8% | $1,850,615▲1.4% | 990 |
| 2021 | $326,233▼6.0% | $223,851▼26.6% | $1,706,119▲6.4% | $1,825,259▲5.9% | 990 |
| 2020 | $346,876▲11.0% | $304,893▲8.2% | $1,603,737▲2.7% | $1,723,541▲1.6% | 990 |
| 2019 | $312,454▲5.7% | $281,744▲6.2% | $1,561,754▲2.0% | $1,696,067▲2.2% | 990 |
| 2018 | $295,603▲3.9% | $265,321▼19.3% | $1,531,044▲2.0% | $1,658,902▲0.7% | 990 |
| 2017 | $284,550▲4.0% | $328,576▲34.5% | $1,500,762▼2.8% | $1,647,650▼0.1% | 990 |
| 2016 | $273,639▲2.0% | $244,233▼23.9% | $1,544,788▲1.9% | $1,649,294▲0.3% | 990 |
| 2015 | $268,328 | $320,882 | $1,515,382 | $1,643,999 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Frequently asked questions
- Is Lutheran Fire & Lightning Insurance Co of Lawrence & Ads Counties a legitimate nonprofit?
- Yes. Lutheran Fire & Lightning Insurance Co of Lawrence & Ads Counties is a 501(c)(15) organization registered with the U.S. Internal Revenue Service under EIN 44-0595036, based in Purdy, Missouri.
- What is Lutheran Fire & Lightning Insurance Co of Lawrence & Ads Counties's EIN?
- Lutheran Fire & Lightning Insurance Co of Lawrence & Ads Counties's Employer Identification Number (EIN) is 44-0595036.
- How much revenue does Lutheran Fire & Lightning Insurance Co of Lawrence & Ads Counties report?
- Lutheran Fire & Lightning Insurance Co of Lawrence & Ads Counties reported $467,956 in total revenue on its fiscal year 2025 IRS Form 990 filing.
- What financial grade does Lutheran Fire & Lightning Insurance Co of Lawrence & Ads Counties have?
- CharityIndex grades Lutheran Fire & Lightning Insurance Co of Lawrence & Ads Counties C+, based on financial health (reserves and operating margin).
More nonprofits in Purdy
Explore more
Data for Lutheran Fire & Lightning Insurance Co of Lawrence & Ads Counties (EIN 44-0595036) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.