Civic Intelligence

Underwriters Rating Board

990 • Fiscal year 2013 • EIN 14-1132305

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 18, 2014

Organization ProfileWWW.URBRATINGBOARD.COM

View Organization Page

PO Box 1305912212

(518) 355-8363

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

11th percentile

0.00x

Higher debt load relative to assets than 11% of similar nonprofits.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

11th percentile

0.00x

Higher debt load relative to revenue than 11% of similar nonprofits.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2013

Net Margin

48th percentile

2.8%

Higher net margin than 48% of similar nonprofits.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

22nd percentile

$28,500

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2013

Asset Growth

41st percentile

2.3%

Faster asset growth than 41% of similar nonprofits.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

56th percentile

4.9%

Faster revenue growth than 56% of similar nonprofits.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets11th percentile

Assets

Up

$1,617,234

Up $36,542 (+2.3%) from 2012

Net Assets

Up

$1,616,436

Up $35,988 (+2.3%) from 2012

Liabilities

Up

$798

Up $554 (+227%) from 2012

Revenue And Expenses
Liabilities / Revenue11th percentileNet Margin48th percentile

Revenue

Up

$1,290,041

Up $60,564 (+4.9%) from 2012

Expenses

Up

$1,254,053

Up $30,177 (+2.5%) from 2012

Net Income

Up

$35,988

Up $30,387 (+543%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth41st percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$4.0M$3.0M$2.0M$1.0M$0Assets 2010: $1,544,429Liabilities 2010: $209Net Assets 2010: $1,544,2202010Assets 2011: $1,575,252Liabilities 2011: $405Net Assets 2011: $1,574,8472011Assets 2012: $1,580,692Liabilities 2012: $244Net Assets 2012: $1,580,4482012Assets 2013: $1,617,234Liabilities 2013: $798Net Assets 2013: $1,616,4362013Assets 2014: $1,646,591Liabilities 2014: $791Net Assets 2014: $1,645,8002014Assets 2015: $1,674,496Liabilities 2015: $101Net Assets 2015: $1,674,3952015Assets 2016: $1,698,907Liabilities 2016: $104Net Assets 2016: $1,698,8032016Assets 2017: $1,753,443Liabilities 2017: $448Net Assets 2017: $1,752,9952017Assets 2018: $1,813,880Liabilities 2018: $358Net Assets 2018: $1,813,5222018Assets 2019: $1,887,269Liabilities 2019: $470Net Assets 2019: $1,886,7992019Assets 2020: $1,996,604Liabilities 2020: $976Net Assets 2020: $1,995,6282020Assets 2021: $2,289,587Liabilities 2021: $177Net Assets 2021: $2,289,4102021Assets 2022: $2,598,799Liabilities 2022: $822Net Assets 2022: $2,597,9772022Assets 2023: $2,797,467Liabilities 2023: $457Net Assets 2023: $2,797,0102023Assets 2024: $3,093,327Liabilities 2024: $485Net Assets 2024: $3,092,8422024

Highlighted filing

2013

Assets$1,617,234
Liabilities$798
Net Assets$1,616,436
Open 2013 Filing

Operations Trend

Revenue Growth56th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$3.0M$2.0M$1.0M$0Expenses 2010: $1,150,2742010Expenses 2011: $1,165,5542011Revenue 2012: $1,229,477Expenses 2012: $1,223,876Net Income 2012: $5,6012012Revenue 2013: $1,290,041Expenses 2013: $1,254,053Net Income 2013: $35,9882013Revenue 2014: $1,373,588Expenses 2014: $1,344,224Net Income 2014: $29,3642014Revenue 2015: $1,413,145Expenses 2015: $1,384,550Net Income 2015: $28,5952015Revenue 2016: $1,505,637Expenses 2016: $1,481,229Net Income 2016: $24,4082016Revenue 2017: $1,604,374Expenses 2017: $1,550,182Net Income 2017: $54,1922017Revenue 2018: $1,650,893Expenses 2018: $1,590,366Net Income 2018: $60,5272018Revenue 2019: $1,684,261Expenses 2019: $1,610,985Net Income 2019: $73,2762019Revenue 2020: $1,749,630Expenses 2020: $1,636,495Net Income 2020: $113,1352020Revenue 2021: $1,882,408Expenses 2021: $1,588,626Net Income 2021: $293,7822021Revenue 2022: $1,835,456Expenses 2022: $1,526,889Net Income 2022: $308,5672022Revenue 2023: $1,918,155Expenses 2023: $1,719,122Net Income 2023: $199,0332023Revenue 2024: $2,108,411Expenses 2024: $1,812,579Net Income 2024: $295,8322024

Highlighted filing

2013

Revenue$1,290,041
Expenses$1,254,053
Net Income$35,988
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 18, 2014
Return Version
2013v3.0
Gross Receipts
$1,415,551
Mission and Program Overview

Mission

The organization provides rating services and statistical analysis for its member mutual insurance companies.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$828,869$841,514▲ $12,645
Land, Buildings, and Equipment, Net$724,845$724,845→ $0
Cash and Non-Interest-Bearing Accounts$26,978$50,875▲ $23,897
Total Assets$1,580,692$1,617,234▲ $36,542
Liabilities
Other Liabilities$244$798▲ $554
Total Liabilities$244$798▲ $554
Net Assets / Fund Balance
Unrestricted Net Assets$1,580,448$1,616,436▲ $35,988
Total Net Assets Fund Balance$1,580,448$1,616,436▲ $35,988
Total Liabilities and Net Assets / Fund Balance$1,580,692$1,617,234▲ $36,542

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$588,785--
Equipment$136,060--
Compensation and Service Providers
Top Officer Pay22nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Delbert L HallPresidentPT$28,500$28,500
Jannette F RoscoeVice PresidentPT$28,500$28,500
John D ReiersenTrasurerPT$28,500$28,500
Dorothy BarkmanDirectorPT$12,504$12,504
John MasselliDirectorPT$12,504$12,504
Paul RuaneDirectorPT$12,504$12,504
Christopher F SchlineDirectorPT$6,252$6,252
Christopher R StaubleDirectorPT$6,252$6,252
Revenue and Support

Revenue Composition

Contributions and Grants
$1,261,189
Program Service Revenue
$0
Investment Income
$20,660
Other Revenue
$8,192
Change in Net Assets
$35,988

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,290,041
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$1,290,041
Total Revenue per Form 990
$1,290,041
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,035,832
Other Expenses$218,221
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$524,417--$524,417
Current Officers, Directors, Trustees, and Key Employees$251,260--$251,260
Other Employee Benefits$131,862--$131,862
Pension Plan Contributions$76,584--$76,584
Payroll Taxes$51,709--$51,709
Insurance$31,204--$31,204
Occupancy$25,605--$25,605
Travel$24,945--$24,945
Other Expenses$15,353--$15,353
Information Technology$13,981--$13,981
All Other Expenses$13,377--$13,377
Fees for Services Legal$5,000--$5,000
Office Expenses$3,842--$3,842
Fees for Services Accounting$2,850--$2,850
Total Functional Expenses$1,254,053$0$0$1,254,053

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,254,053
Total Expenses per Audited Statements$1,254,053
Total Expenses per Form 990$1,254,053
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Payroll Taxes Withheld$798
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11

“The board is sent the 990 to review before it is filed.”

Form 990, Part VI, Section C, Line 19

“The organization made its documents available on its website.”

Filing and Contact Details

Filer

EIN
14-1132305
Phone
5183558363

Signing Officer

Name
Timothy N Curren
Title
Manager
Phone
5183558363
Signed
2014-04-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Timothy N Curren
Formed
1952
Legal Domicile
Ny
Voting Board Members
2
Independent Board Members
2
Employees
10
Volunteers
0

Preparer

Preparer
Allen F Maikels CPA
Phone
5184874679
Raw XML Appendix348 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE BOARD IS SENT THE 990 TO REVIEW BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION MADE ITS DOCUMENTS AVAILABLE ON ITS WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION C, LINE 19
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IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01580692
IRS990/TotalAssetsEOYAmt01617234
IRS990/TotalAssetsGrp/BOYAmt01580692
IRS990/TotalAssetsGrp/EOYAmt01617234
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt01261189
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01254053
IRS990/TotalFunctionalExpensesGrp/TotalAmt01254053
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0244
IRS990/TotalLiabilitiesEOYAmt0798
IRS990/TotalLiabilitiesGrp/BOYAmt0244
IRS990/TotalLiabilitiesGrp/EOYAmt0798
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01580448
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01616436
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt01254053
IRS990/TotalReportableCompFromOrgAmt0135516
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt028852
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01290041
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01580692
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01617234
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt024945
IRS990/TravelGrp/TotalAmt024945
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnrestrictedNetAssetsGrp/BOYAmt01580448
IRS990/UnrestrictedNetAssetsGrp/EOYAmt01616436
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine102932 CURRY ROAD
IRS990/USAddress/City0SCHENECTADY
IRS990/USAddress/State0NY
IRS990/USAddress/ZIPCode012303
IRS990/VotingMembersGoverningBodyCnt02
IRS990/VotingMembersIndependentCnt02
IRS990/WebsiteAddressTxt0WWW.URBRATINGBOARD.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0TIMOTHY N CURREN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum05183558363
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-18
ReturnHeader/Filer/BusinessName/BusinessNameLine10UNDERWRITERS RATING BOARD
ReturnHeader/Filer/BusinessNameControlTxt0UNDE
ReturnHeader/Filer/EIN0141132305
ReturnHeader/Filer/PhoneNum05183558363
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 13059
ReturnHeader/Filer/USAddress/City0ALBANY
ReturnHeader/Filer/USAddress/State0NY
ReturnHeader/Filer/USAddress/ZIPCode012212
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0454290980
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10MAIKELS & TRAINOR CPAS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1021 EVERETT ROAD EXT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0ALBANY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode012205
ReturnHeader/PreparerPersonGrp/PhoneNum05184874679
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ALLEN F MAIKELS CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02014-05-09T09:43:04-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,617,234
Liabilities
$798
Net assets
$1,616,436
Revenue
$1,290,041
Expenses
$1,254,053
Net income
$35,988
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.09$0.00$3.09$2.11$1.81$0.30
2023Detailed filing. Detailed filing data is available for this year.$2.80$0.00$2.80$1.92$1.72$0.20
2022Detailed filing. Detailed filing data is available for this year.$2.60$0.00$2.60$1.84$1.53$0.31
2021Detailed filing. Detailed filing data is available for this year.$2.29$0.00$2.29$1.88$1.59$0.29
2020Detailed filing. Detailed filing data is available for this year.$2.00$0.00$2.00$1.75$1.64$0.11
2019Detailed filing. Detailed filing data is available for this year.$1.89$0.00$1.89$1.68$1.61$0.07
2018Detailed filing. Detailed filing data is available for this year.$1.81$0.00$1.81$1.65$1.59$0.06
2017Detailed filing. Detailed filing data is available for this year.$1.75$0.00$1.75$1.60$1.55$0.05
2016Detailed filing. Detailed filing data is available for this year.$1.70$0.00$1.70$1.51$1.48$0.02
2015Detailed filing. Detailed filing data is available for this year.$1.67$0.00$1.67$1.41$1.38$0.03
2014Detailed filing. Detailed filing data is available for this year.$1.65$0.00$1.65$1.37$1.34$0.03
2013Detailed filing. Detailed filing data is available for this year.$1.62$0.00$1.62$1.29$1.25$0.04
2012Summary only. Only limited summary data is available for this year.$1.58$0.00$1.58$1.23$1.22$0.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.58$0.00$1.57$1.17
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.54$0.00$1.54$1.15