Civic Intelligence

Underwriters Rating Board

990 • Fiscal year 2015 • EIN 14-1132305

Jan 01, 2015 to Dec 31, 2015 • Filed on Feb 23, 2016

Organization ProfileWWW.URBRATINGBOARD.COM

View Organization Page

PO Box 13059Albany, NY 12212

(518) 355-8363

Siviq Scores

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

Liabilities / Assets

9th percentile

0.00x

Higher debt load relative to assets than 9% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

10th percentile

0.00x

Higher debt load relative to revenue than 10% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2015

Net Margin

44th percentile

2.0%

Higher net margin than 44% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

22nd percentile

$28,500

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 2.0% of source-year revenue.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2015

Asset Growth

47th percentile

1.7%

Faster asset growth than 47% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

47th percentile

2.9%

Faster revenue growth than 47% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets9th percentile

Assets

Up

$1,674,496

Up $27,905 (+1.7%) from 2014

Net Assets

Up

$1,674,395

Up $28,595 (+1.7%) from 2014

Liabilities

Down

$101

Down $690 (-87%) from 2014

Revenue And Expenses
Liabilities / Revenue10th percentileNet Margin44th percentile

Revenue

Up

$1,413,145

Up $39,557 (+2.9%) from 2014

Expenses

Up

$1,384,550

Up $40,326 (+3.0%) from 2014

Net Income

Down

$28,595

Down $769 (-2.6%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth47th 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

2015

Assets$1,674,496
Liabilities$101
Net Assets$1,674,395
Open 2015 Filing

Operations Trend

Revenue Growth47th 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

2015

Revenue$1,413,145
Expenses$1,384,550
Net Income$28,595
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Feb 23, 2016
Return Version
2015v2.1
Gross Receipts
$1,485,994
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$897,949$931,172▲ $33,223
Land, Buildings, and Equipment, Net$724,845$724,845→ $0
Cash and Non-Interest-Bearing Accounts$23,797$18,479▼ $5,318
Total Assets$1,646,591$1,674,496▲ $27,905
Liabilities
Other Liabilities$791$101▼ $690
Total Liabilities$791$101▼ $690
Net Assets / Fund Balance
Unrestricted Net Assets$1,645,800$1,674,395▲ $28,595
Total Net Assets Fund Balance$1,645,800$1,674,395▲ $28,595
Total Liabilities and Net Assets / Fund Balance$1,646,591$1,674,496▲ $27,905

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
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
Dorothy BarkmanDirectorPT$6,252$6,252
Revenue and Support

Revenue Composition

Contributions and Grants
$1,375,719
Program Service Revenue
$0
Investment Income
$23,925
Other Revenue
$13,501
Change in Net Assets
$28,595
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,105,095
Other Expenses$279,455
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$532,367--$532,367
Other Employee Benefits$265,873--$265,873
Current Officers, Directors, Trustees, and Key Employees$254,368--$254,368
Payroll Taxes$52,487--$52,487
Insurance$31,839--$31,839
Occupancy$22,848--$22,848
Travel$17,704--$17,704
Other Expenses$17,582--$17,582
Information Technology$17,100--$17,100
All Other Expenses$16,766--$16,766
Fees for Services Other$10,747--$10,747
Fees for Services Accounting$4,950--$4,950
Office Expenses$4,566--$4,566
Advertising$2,445--$2,445
Total Functional Expenses$1,384,550$0$0$1,384,550
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$101
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
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

Filer Name
Underwriters Rating Board
EIN
14-1132305
Phone
5183558363
Address
PO BOX 13059, ALBANY, NY 12212

Signing Officer

Name
Timothy N Curren
Title
Manager
Phone
5183558363
Signed
2016-02-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Timothy N Curren
Formed
1952
Legal Domicile
Ny
Voting Board Members
3
Independent Board Members
3
Employees
0
Volunteers
0

Preparer

Firm
Maikels & Trainor Cpas
Address
21 EVERETT ROAD EXT, ALBANY, NY 12205
Preparer
Allen F Maikels CPA
Phone
5184874679
Raw XML Appendix337 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/TotalNetAssetsFundBalanceGrp/BOYAmt01645800
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01674395
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt01384550
IRS990/TotalReportableCompFromOrgAmt0129264
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt037426
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01413145
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01646591
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01674496
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt017704
IRS990/TravelGrp/TotalAmt017704
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnrestrictedNetAssetsGrp/BOYAmt01645800
IRS990/UnrestrictedNetAssetsGrp/EOYAmt01674395
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02932 CURRY ROAD
IRS990/USAddress/CityNm0SCHENECTADY
IRS990/USAddress/StateAbbreviationCd0NY
IRS990/USAddress/ZIPCd012303
IRS990/VotingMembersGoverningBodyCnt03
IRS990/VotingMembersIndependentCnt03
IRS990/WebsiteAddressTxt0WWW.URBRATINGBOARD.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0TIMOTHY N CURREN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum05183558363
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-02-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0UNDERWRITERS RATING BOARD
ReturnHeader/Filer/BusinessNameControlTxt0UNDE
ReturnHeader/Filer/EIN0141132305
ReturnHeader/Filer/PhoneNum05183558363
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 13059
ReturnHeader/Filer/USAddress/CityNm0ALBANY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NY
ReturnHeader/Filer/USAddress/ZIPCd012212
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0454290980
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0MAIKELS & TRAINOR CPAS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt021 EVERETT ROAD EXT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ALBANY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd012205
ReturnHeader/PreparerPersonGrp/PhoneNum05184874679
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ALLEN F MAIKELS CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02016-04-07T10:11:59-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,674,496
Liabilities
$101
Net assets
$1,674,395
Revenue
$1,413,145
Expenses
$1,384,550
Net income
$28,595
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