D
Otsego Cnty Patrons Co-Op Fire
Rating Date
October 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
0.81
Risk Adjusted
Capital Ratio #2
0.55
Loss
Ratio
70.77%
Total
Assets
2.99M
Capital
671.54K
Net
Premiums
672.42K
Net
Income
-67.20K
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Weiss Ratings Otsego Cnty Patrons Co-Op Fire
Schenevus, NY 		Click to
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Rating D
Capitalization Index 3.50
Investment Safety Index --
Liquidity Index 7.50
Profitability Index 1.80
Reserve Adequacy Index 6.90
Stability Index 1.00
Company Info Otsego Cnty Patrons Co-Op Fire
Schenevus, NY 		Click to
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Industry P&C
NAIC Number 30350
Phone Number (607) 638-9741
Website www.otsegocountypatrons.com
Address 8146 State Highway Seven Schenevus, NY 12155
Balance Sheet Otsego Cnty Patrons Co-Op Fire
Schenevus, NY 		Click to
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Total Assets 2.99M
Capital and Reserves Otsego Cnty Patrons Co-Op Fire
Schenevus, NY 		Click to
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Risk-Adjusted Capital Ratio #1 0.81
Risk-Adjusted Capital Ratio #2 0.55
1-Year Reserve Development -250.00%
2-Year Reserve Development 80.00%
Capital 671.54K
Premium to Surplus 200.00%
Reserves to Surplus 30.00%
Investments Otsego Cnty Patrons Co-Op Fire
Schenevus, NY 		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 Otsego Cnty Patrons Co-Op Fire
Schenevus, NY 		Click to
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Medical Loss Ratio --
Cash From Underwriting 80.00%
Combined Ratio 120.00%
Expense Ratio 50.00%
Loss Ratio 70.77%
Net Premium Growth 20.00%
Other Medical Otsego Cnty Patrons Co-Op Fire
Schenevus, NY 		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 Otsego Cnty Patrons Co-Op Fire
Schenevus, NY 		Click to
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Net Income -67.20K
Net Premium 672.42K
Health Premium --