Civic Intelligence

Underwriters Rating Board

990 • Fiscal year 2016 • EIN 14-1132305

Jan 01, 2016 to Dec 31, 2016 • Filed on May 10, 2017

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.

2016 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

10th percentile

0.00x

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

2016 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2016

Net Margin

43rd percentile

1.6%

Higher net margin than 43% of similar nonprofits.

2016 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

46th percentile

$128,674

Higher top officer pay than 46% of similar nonprofits.

Top officer pay equals 8.5% of source-year revenue.

2016 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2016

Asset Growth

42nd percentile

1.5%

Faster asset growth than 42% of similar nonprofits.

2016 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

63rd percentile

6.5%

Faster revenue growth than 63% of similar nonprofits.

2016 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets9th percentile

Assets

Up

$1,698,907

Up $24,411 (+1.5%) from 2015

Net Assets

Up

$1,698,803

Up $24,408 (+1.5%) from 2015

Liabilities

Up

$104

Up $3 (+3.0%) from 2015

Revenue And Expenses
Liabilities / Revenue10th percentileNet Margin43rd percentile

Revenue

Up

$1,505,637

Up $92,492 (+6.5%) from 2015

Expenses

Up

$1,481,229

Up $96,679 (+7.0%) from 2015

Net Income

Down

$24,408

Down $4,187 (-15%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth42nd 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

2016

Assets$1,698,907
Liabilities$104
Net Assets$1,698,803
Open 2016 Filing

Operations Trend

Revenue Growth63rd 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

2016

Revenue$1,505,637
Expenses$1,481,229
Net Income$24,408
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 10, 2017
Return Version
2016v3.0
Gross Receipts
$1,535,322
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$931,172$943,937▲ $12,765
Land, Buildings, and Equipment, Net$724,845$724,845→ $0
Cash and Non-Interest-Bearing Accounts$18,479$30,125▲ $11,646
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$1,674,496$1,698,907▲ $24,411
Other Assets Total-$0-
Liabilities
Accounts Payable and Accrued Expenses$101$104▲ $3
Total Liabilities$101$104▲ $3
Net Assets / Fund Balance
Unrestricted Net Assets$1,674,395$1,698,803▲ $24,408
Total Net Assets Fund Balance$1,674,395$1,698,803▲ $24,408
Total Liabilities and Net Assets / Fund Balance$1,674,496$1,698,907▲ $24,411

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$588,785--
Equipment$136,060--
Compensation and Service Providers
Top Officer Pay46th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Timothy N CurrenManagerFT$128,674$128,674
Delbert L HallPresidentPT$28,500$28,500
Jannette F RoscoeVice PresidentPT$28,500$28,500
John D ReiersenTreasurerPT$28,500$28,500
James WhiteDirectorPT$12,504$12,504
John MasselliDirectorPT$12,504$12,504
Paul a 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
$1,477,214
Program Service Revenue
$0
Investment Income
$21,772
Other Revenue
$6,651
Change in Net Assets
$24,408

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,505,637
Total Revenue per Audited Statements
$1,505,637
Total Revenue per Form 990
$1,505,637
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,202,577
Other Expenses$278,652
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$606,999
Current Officers, Directors, Trustees, and Key Employees---$264,190
Other Employee Benefits---$191,792
Pension Plan Contributions---$81,381
Payroll Taxes---$58,215
Insurance---$33,814
Occupancy---$29,685
Information Technology---$22,105
Other Expenses---$21,074
All Other Expenses---$18,725
Travel---$15,895
Advertising---$4,450
Office Expenses---$3,996
Fees for Services Accounting---$3,800
Total Functional Expenses$0$0$0$1,481,229

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,481,229
Total Expenses per Audited Statements$1,481,229
Total Expenses per Form 990$1,481,229
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
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, Line 11B: Form 990 Review Process

“The board receives the 990 for review before it is filed.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“The organiztion makes 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
Signed
2017-05-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Timothy N Curren
Formed
1952
Legal Domicile
Ny
Voting Board Members
3
Independent Board Members
0
Employees
10

Preparer

Firm
Maikels & Trainor CPAS
Address
21 Everett Rd Ext, Albany, NY 12205
Preparer
Allen F Maikels CPA
Phone
5184874679
Raw XML Appendix369 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/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt023925
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0279455
IRS990/PYOtherRevenueAmt013501
IRS990/PYRevenuesLessExpensesAmt028595
IRS990/PYSalariesCompEmpBnftPaidAmt01105095
IRS990/PYTotalExpensesAmt01384550
IRS990/PYTotalRevenueAmt01413145
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt024408
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt06315
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt01505637
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0931172
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0943937
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0588785
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0588785
IRS990ScheduleD/EquipmentGrp/BookValueAmt0136060
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0136060
IRS990ScheduleD/ExpensesSubtotalAmt01481229
IRS990ScheduleD/RevenueSubtotalAmt01505637
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0724845
IRS990ScheduleD/TotalExpensesPerForm990Amt01481229
IRS990ScheduleD/TotalRevenuePerForm990Amt01505637
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01505637
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01481229
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE BOARD RECEIVES THE 990 FOR REVIEW BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZTION MAKES ITS DOCUMENTS AVAILABLE ON ITS WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01674496
IRS990/TotalAssetsEOYAmt01698907
IRS990/TotalAssetsGrp/BOYAmt01674496
IRS990/TotalAssetsGrp/EOYAmt01698907
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt01477214
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01481229
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0101
IRS990/TotalLiabilitiesEOYAmt0104
IRS990/TotalLiabilitiesGrp/BOYAmt0101
IRS990/TotalLiabilitiesGrp/EOYAmt0104
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01674395
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01698803
IRS990/TotalProgramServiceExpensesAmt01481229
IRS990/TotalProgramServiceRevenueAmt00
IRS990/TotalReportableCompFromOrgAmt0264190
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt028423
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01505637
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01674496
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01698907
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt015895
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt01674395
IRS990/UnrestrictedNetAssetsGrp/EOYAmt01698803
IRS990/VotingMembersGoverningBodyCnt03
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0WWW.URBRATINGBOARD.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TIMOTHY N CURREN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-10
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/PreparerFirmName/BusinessNameLine1Txt0Maikels & Trainor CPAS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt021 Everett Rd 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/ReturnTs02017-05-10T07:54:11-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,698,907
Liabilities
$104
Net assets
$1,698,803
Revenue
$1,505,637
Expenses
$1,481,229
Net income
$24,408
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