St Joseph Mutual Home Insurance Company of Fulda & St Meinrad Ind
501(c)(15)
Only null% goes to programs Strong reserves Declining revenue
St Joseph Mutual Home Insurance Company of Fulda & St Meinrad Ind is a 501(c)(15) organization based in Saint Meinrad, Indiana, registered in 1981, with $575,640 in FY2019 revenue. CharityIndex grades it C.
15538 Indiana 545, Saint Meinrad, IN, 47577 EIN 31-1008142 Since 1981
Revenue (FY2019)
$576K
▲ 1.3% vs prior year
Expenses (FY2019)
$604K
Net assets
$1.8M
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
C
★★★★
Rated on 2 of 4 criteria — the rest aren't reported in this filing type.
Held down by its weakest criterion — a strong score on one criterion can't hide a weak one.
How the rating works →—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 St Joseph Mutual Home Insurance Company of Fulda & St Meinrad Ind— 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 rating36 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 St Joseph Mutual Home Insurance Company of Fulda & St Meinrad Ind: 36 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 St Joseph Mutual Home Insurance Company of Fulda & St Meinrad Ind— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
FTransparency10% of the rating0 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 St Joseph Mutual Home Insurance Company of Fulda & St Meinrad Ind: 0 of 5 disclosure signals earns a F on this criterion. See the exact thresholds →
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Contact & location
- Address
- 15538 Indiana 545, Saint Meinrad, IN, 47577
- City
- Saint Meinrad
- State
- Indiana
- Category
- —
- Subcategory
- —
Financial trends
Revenue grew from $441K (FY2014) to $576K (FY2019) across 6 reported years.
Financial snapshot
Financial health & position (FY2019)
Liabilities $264KNet assets $1.8M
Operating margin
-4.8%
Spent more than it raised in the latest fiscal year.
Total assets
$2.1M
Total liabilities
$264K
Net assets
$1.8M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2019 | $575,640▲1.3% | $603,550▲29.7% | $1,792,484▲3.8% | $2,056,716▲3.6% | 990 |
| 2018 | $568,460▼1.9% | $465,302▼3.8% | $1,726,315▲6.4% | $1,985,579▲6.7% | 990 |
| 2017 | $579,265▼34.7% | $483,762▼41.4% | $1,623,157▲6.3% | $1,861,723▲5.7% | 990 |
| 2016 | $887,228▲83.4% | $825,892▲93.6% | $1,527,654▲4.2% | $1,761,352▼0.7% | 990 |
| 2015 | $483,888▲9.7% | $426,615▼6.5% | $1,466,318▲4.1% | $1,773,278▲10.1% | 990 |
| 2014 | $441,186 | $456,181 | $1,409,045 | $1,611,140 | 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 St Joseph Mutual Home Insurance Company of Fulda & St Meinrad Ind a legitimate nonprofit?
- Yes. St Joseph Mutual Home Insurance Company of Fulda & St Meinrad Ind is a 501(c)(15) organization registered with the U.S. Internal Revenue Service under EIN 31-1008142, based in Saint Meinrad, Indiana.
- What is St Joseph Mutual Home Insurance Company of Fulda & St Meinrad Ind's EIN?
- St Joseph Mutual Home Insurance Company of Fulda & St Meinrad Ind's Employer Identification Number (EIN) is 31-1008142.
- How much revenue does St Joseph Mutual Home Insurance Company of Fulda & St Meinrad Ind report?
- St Joseph Mutual Home Insurance Company of Fulda & St Meinrad Ind reported $575,640 in total revenue on its fiscal year 2019 IRS Form 990 filing.
- What financial grade does St Joseph Mutual Home Insurance Company of Fulda & St Meinrad Ind have?
- CharityIndex grades St Joseph Mutual Home Insurance Company of Fulda & St Meinrad Ind C, based on financial health (reserves and operating margin).
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Data for St Joseph Mutual Home Insurance Company of Fulda & St Meinrad Ind (EIN 31-1008142) 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.