C
Central Lakes Mutl Ins Co
Albany,  MN
Rating Date
June 2026
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
4.04
Risk Adjusted
Capital Ratio #2
2.76
Loss
Ratio
15.87%
Total
Assets
14.12M
Capital
8.94M
Net
Premiums
6.73M
Net
Income
2.86M
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Weiss Ratings Central Lakes Mutl Ins Co
Albany, MN 		Click to
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Rating C
Capitalization Index 8.60
Investment Safety Index --
Liquidity Index 7.30
Profitability Index 6.50
Reserve Adequacy Index 8.10
Stability Index 2.90
Company Info Central Lakes Mutl Ins Co
Albany, MN 		Click to
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Industry P&C
NAIC Number 12446
Phone Number (320) 844-8123
Website www.clmutual.com
Address 131 8th Street South Albany, MN 56307
Balance Sheet Central Lakes Mutl Ins Co
Albany, MN 		Click to
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Total Assets 14.12M
Capital and Reserves Central Lakes Mutl Ins Co
Albany, MN 		Click to
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Risk-Adjusted Capital Ratio #1 4.04
Risk-Adjusted Capital Ratio #2 2.76
1-Year Reserve Development 1.18%
2-Year Reserve Development -2.04%
Capital 8.94M
Premium to Surplus 75.34%
Reserves to Surplus 1.77%
Investments Central Lakes Mutl Ins Co
Albany, MN 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates --
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Central Lakes Mutl Ins Co
Albany, MN 		Click to
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Medical Loss Ratio --
Cash From Underwriting 160.53%
Combined Ratio 51.55%
Expense Ratio 35.68%
Loss Ratio 15.87%
Net Premium Growth 11.83%
Other Medical Central Lakes Mutl Ins Co
Albany, MN 		Click to
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Bonus Pay --
Capitation Pay --
Contractual Pay --
Enrollment --
Fee For Service --
Medical Expense Per Member Per Month --
Network Physicians --
Other Pay --
Salary Pay --
Total Patient Encounters - Physician --
Total Patient Encounters-Non-Physician --
Profitability Central Lakes Mutl Ins Co
Albany, MN 		Click to
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Net Income 2.86M
Net Premium 6.73M
Health Premium --