C
Central Lakes Mutl Ins Co
Albany,  MN
Rating Date
October 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
2.57
Risk Adjusted
Capital Ratio #2
1.84
Loss
Ratio
62.54%
Total
Assets
13.19M
Capital
7.10M
Net
Premiums
3.05M
Net
Income
868.33K
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Weiss Ratings Central Lakes Mutl Ins Co
Albany, MN 		Click to
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Rating C
Capitalization Index 8.30
Investment Safety Index --
Liquidity Index 8.60
Profitability Index 3.30
Reserve Adequacy Index 7.40
Stability Index 2.20
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 13.19M
Capital and Reserves Central Lakes Mutl Ins Co
Albany, MN 		Click to
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Risk-Adjusted Capital Ratio #1 2.57
Risk-Adjusted Capital Ratio #2 1.84
1-Year Reserve Development -220.00%
2-Year Reserve Development -810.00%
Capital 7.10M
Premium to Surplus 100.00%
Reserves to Surplus 10.00%
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 110.00%
Combined Ratio 100.00%
Expense Ratio 40.00%
Loss Ratio 62.54%
Net Premium Growth 50.00%
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 868.33K
Net Premium 3.05M
Health Premium --