Center Valley Mutual Fire Insurance Co
Nonprofit profile at a glance
- EIN
- 250397202
- IRS 990 coverage
- 2023–2025
- Forms available
- Form 990 2025
- Location
- Kittanning, PA, USA
- Phone
- 7246647143
- Rating confidence
- Limited
- Sector
- Insurance Providers
Reported finances
- Revenue
- $274,540
- Expenses
- $289,424
- Assets
- $2,413,074
- Liabilities
- $91,770
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
9 people listed
Executive titles in this filing
- EUGENE EVERHART (PRESIDENT)
- MICHAEL HEILMAN (VICE PRESIDENT)
Highest reported compensation
- LORI BOBACK (SECRETARY): $22,200 total reported compensation
- EUGENE EVERHART (PRESIDENT): $10,600 total reported compensation
- MARY HUSTON (TREASURER): $5,350 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Insurance company. The insurance company was formed to provide reasonable and affordable insurance coverage to its policyholders/members for covered losses.
What it reported doing in 2025
To provide reasonable and affordable insurance coverage to its policyholders/members for covered losses.
Operating model
- Revenue model
- Earned-program. 62% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 90
- Accountability: 72
- Sustainability: 43
- Growth: 40
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
- Governance controls: 3 of 9 controls in place; rating input score 33
- Conflict-of-interest policy: Pass
- Whistleblower policy: Fail
- Document-retention policy: Fail
- CEO compensation review process: Fail
- Other executive compensation review process: Fail
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: -5.4%; rating input score 25; 25th percentile among comparable filings
- Total-asset coverage ratio: 8.34; rating input score 87; 87th percentile among comparable filings
- Liabilities to assets ratio: 0.04; rating input score 29; 29th percentile among comparable filings
- Officer compensation ratio: 14.7%; rating input score 23; 23rd percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 6.3% per year; rating input score 100; 55th percentile among comparable filings
- Asset growth: -1% per year; rating input score 0; 18th percentile among comparable filings
Details
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 9 of 9 board members independent · 3 of 9 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $22K · 9 people listed
- Consistency: 9 of 9 current checks pass
- Schedules: 2 filed schedules
- Filing history: 3 filing years from 2023 to 2025
- Contacts: How to reach this organization
- Money network: 4 filed money-flow records
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Accountability: Governance controls: 5 of 8 not reported.
- High — Sustainability: Operating margin scored 25/100.
- High — Growth: Asset growth scored 0/100.
- High — Sustainability: Officer compensation ratio scored 23/100.
- High — Sustainability: Liabilities to assets ratio scored 29/100.