Southern Mutual Church Insurance Company
Public records raise at least one point you should look into before giving.
What it says it does
TO BENEFIT THE SOCIAL WELFARE OF COMMUNITIES BY PROVIDING NECESSARY SERVICES, INCLUDING MANAGEMENT AND FACILITIES, FOR THE SOLE AND EXCLUSIVE BENEFIT OF MEMBER CHURCHES TO PROTECT THEIR PROPERTY AGAINST LOSS BY FIRE, LIGHTNING, WINDSTORM, ARSON AND LIABILITY AT THE LOWEST FEASIBLE COST. TO PROMOTE SAFETY CONSCIOUSNESS THROUGH LOSS CONTROL, INSPECTION SERVICES AND POLICYHOLDER EDUCATION IN ORDER TO MINIMIZE LOSSES. TO PROVIDE FINANCIAL ASSISTANCE WITH MEMBER-CHURCH MORTGAGE LOANS AT LOWER THAN PREVAILING INTEREST RATES AND BETTER TERMS.
- Income
- $72.0 million
- Spending
- $70.6 million
- Employees
- 62
- Highest pay
- $447,782, president/ce
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Financial health
We do not score finances when yearly spending is very small or the return has too little detail. The ratios stop meaning much at that size.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Governance
This return does not answer enough of the governance questions to score.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (5)
- $70.6 million spent. GROSS DIRECT INSURANCE PREMIUM FROM MEMBER CHURCHES = 70,186,219 MEMBER CHURCHES INSURED AT 12/31/2025 = 9,866 POLICIES IN FORCE = 16,846 THE PRIMARY FUNCTION OF SMCIC IS TO PROVIDE INSURANCE PROTECTION FOR ITS MEMBER CHURCHES AT THE LOWEST COST POSSIBLE BY REDUCED RATES AND OTHER METHODS PERMISSIBLE BY LAW.
- $47,561 spent. LOW INTEREST RATE LOANS TO MEMBER CHURCHES. TOTAL LOANS OUTSTANDING AT 12/31/25 = 664,961 LOANS ARE MADE FROM AVAILABLE SURPLUS.
- $6,292 spent. MISCELLANEOUS POLICIES PROVIDED AS A SERVICE TO MEMBERS. THIS TYPE OF POLICY IS NOT AVAILABLE THROUGH THE COMPANY. SMCIC CANNOT ALWAYS PROVIDE PROTECTION DIRECTLY FOR MEMBERS' NEEDS AND WILL ARRANGE OUTSIDE CONTRACTS.
- MINIMAL SERVICE FEES RELATED TO PREMIUM PAYMENT PLANS. REVENUE RECOGNIZED AS PROGRAM SERVICE REVENUE IN PART VIII WITH NO ASSOCIATED ALLOCATED EXPENSES. THE COMPANY ALSO PROVIDES AN ANNUAL INSPECTION PROGRAM AND SAFETY INSTRUCTIONS FOR EACH MEMBER CHURCH AS A SERVICE TO HELP MITIGATE LOSSES AND PROTECT PROPERTY AND PEOPLE. THIS IS A FREE SERVICE AND NO ASSOCIATED REVENUE OR EXPENSES HAVE BEEN ALLOCATED. THE COMPANY PROVIDES EDUCATIONAL WORKSHOPS AND TRAINING PROGRAMS AS A SERVICE TO HELP MITIGATE LOSSES AND PROTECT PROPERTY AND PEOPLE. THIS A FREE SERVICE AND NO ASSOCIATED REVENUE OR EXPENSES HAVE BEEN ALLOCATED. EXPENSES 0. INCLUDING GRANTS OF 0. REVENUE 165,469.
- MINIMAL SERVICE FEES RELATED TO PREMIUM PAYMENT PLANS. REVENUE RECOGNIZED AS PROGRAM SERVICE REVENUE IN PART VIII WITH NO ASSOCIATED ALLOCATED EXPENSES. THE COMPANY ALSO PROVIDES AN ANNUAL INSPECTION PROGRAM AND SAFETY INSTRUCTIONS FOR EACH MEMBER CHURCH AS A SERVICE TO HELP MITIGATE LOSSES AND PROTECT PROPERTY AND PEOPLE. THIS IS A FREE SERVICE AND NO ASSOCIATED REVENUE OR EXPENSES HAVE BEEN ALLOCATED. THE COMPANY PROVIDES EDUCATIONAL WORKSHOPS AND TRAINING PROGRAMS AS A SERVICE TO HELP MITIGATE LOSSES AND PROTECT PROPERTY AND PEOPLE. THIS A FREE SERVICE AND NO ASSOCIATED REVENUE OR EXPENSES HAVE BEEN ALLOCATED. EXPENSES 0. INCLUDING GRANTS OF 0. REVENUE 165,469.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(4) social welfare organization.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated November 6, 2026.
Are donations tax-deductible? Caution.
The IRS master file records contributions to this 501(c)(4) social welfare organization as not deductible.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2025.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since February 1983.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated November 4, 2026.
Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.