D
Otsego Cnty Patrons Co-Op Fire
Rating Date
October 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
Commercial Multiple Peril
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
11
8
19
42.11%
41.74%
2023
4
5
9
55.56%
38.64%
2022
14
1
15
6.67%
39.39%
2021
11
1
12
8.33%
40.41%
2020
10
2
12
16.67%
48.09%
2019
11
4
15
26.67%
43.30%
Homeowners & Farmowners
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
45
20
65
30.77%
39.58%
2023
43
13
56
23.21%
36.96%
2022
67
6
73
8.22%
37.07%
2021
46
8
54
14.81%
39.17%
2020
56
6
62
9.68%
35.42%
2019
74
17
91
18.68%
35.34%
Other Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
0
0
0
0.00%
12.32%
2023
0
0
0
0.00%
16.34%
2022
0
0
0
0.00%
11.13%
2021
0
0
0
0.00%
18.93%
2020
0
0
0
0.00%
20.93%
2019
0
0
0
0.00%
16.90%