Pulaski & Giles Mutual Insurance
501(c)(15)
Only null% goes to programs Strong reserves Growing revenue
Pulaski & Giles Mutual Insurance is a 501(c)(15) organization based in Martinsburg, West Virginia, registered in 1988, with $548,215 in FY2025 revenue. CharityIndex grades it C+.
Po Box 1917, Martinsburg, WV, 25402 EIN 54-0348074 Since 1988
Revenue (FY2025)
$548K
▲ 21.0% vs prior year
Expenses (FY2025)
$580K
Net assets
$2.3M
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 Pulaski & Giles Mutual Insurance— 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 rating47 mo reserves · -6% 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 Pulaski & Giles Mutual Insurance: 47 mo reserves · -6% 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 Pulaski & Giles Mutual Insurance— 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 Pulaski & Giles Mutual Insurance: 1 of 5 disclosure signals earns a D on this criterion. See the exact thresholds →
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Contact & location
- Address
- Po Box 1917, Martinsburg, WV, 25402
- City
- Martinsburg
- State
- West Virginia
- Category
- —
- Subcategory
- —
Financial trends
Revenue grew from $116K (FY2017) to $548K (FY2025) across 7 reported years.
Financial snapshot
Financial health & position (FY2025)
Liabilities $357KNet assets $2.3M
Operating margin
-5.9%
Spent more than it raised in the latest fiscal year.
Total assets
$2.7M
Total liabilities
$357K
Net assets
$2.3M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2025 | $548,215▲21.0% | $580,378▲13.0% | $2,293,074▲5.4% | $2,650,361▲6.1% | 990 |
| 2024 | $453,162▲27.7% | $513,733▲63.2% | $2,175,103▲5.7% | $2,497,334▲9.1% | 990 |
| 2023 | $354,766▼0.4% | $314,782▼4.3% | $2,058,456▲11.1% | $2,288,694▲11.8% | 990 |
| 2022 | $356,103▲9.0% | $328,775▲35.8% | $1,852,013▼11.1% | $2,047,242▼10.5% | 990 |
| 2021 | $326,656▲8.5% | $242,067▲10.9% | $2,082,120▲15.6% | $2,287,196▲13.1% | 990 |
| 2020 | $301,080▲160% | $218,248▼29.7% | $1,801,516▲10.1% | $2,022,690▲2.8% | 990 |
| 2017 | $115,975 | $310,281 | $1,636,122 | $1,968,258 | 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 Pulaski & Giles Mutual Insurance a legitimate nonprofit?
- Yes. Pulaski & Giles Mutual Insurance is a 501(c)(15) organization registered with the U.S. Internal Revenue Service under EIN 54-0348074, based in Martinsburg, West Virginia.
- What is Pulaski & Giles Mutual Insurance's EIN?
- Pulaski & Giles Mutual Insurance's Employer Identification Number (EIN) is 54-0348074.
- How much revenue does Pulaski & Giles Mutual Insurance report?
- Pulaski & Giles Mutual Insurance reported $548,215 in total revenue on its fiscal year 2025 IRS Form 990 filing.
- What financial grade does Pulaski & Giles Mutual Insurance have?
- CharityIndex grades Pulaski & Giles Mutual Insurance C+, based on financial health (reserves and operating margin).
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Data for Pulaski & Giles Mutual Insurance (EIN 54-0348074) 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.