Civic Intelligence

Underwriters Rating Board

990 • Fiscal year 2017 • EIN 14-1132305

Jan 01, 2017 to Dec 31, 2017 • Filed on May 08, 2018

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

10th percentile

0.00x

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

2017 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2017

Liabilities / Revenue

10th percentile

0.00x

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

2017 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2017

Net Margin

49th percentile

3.4%

Higher net margin than 49% of similar nonprofits.

2017 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2017

Top Officer Pay

40th percentile

$113,218

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 7.1% of source-year revenue.

2017 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2017

Asset Growth

43rd percentile

3.2%

Faster asset growth than 43% of similar nonprofits.

2017 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

60th percentile

6.6%

Faster revenue growth than 60% of similar nonprofits.

2017 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets10th percentile

Assets

Up

$1,753,443

Up $54,536 (+3.2%) from 2016

Net Assets

Up

$1,752,995

Up $54,192 (+3.2%) from 2016

Liabilities

Up

$448

Up $344 (+331%) from 2016

Revenue And Expenses
Liabilities / Revenue10th percentileNet Margin49th percentile

Revenue

Up

$1,604,374

Up $98,737 (+6.6%) from 2016

Expenses

Up

$1,550,182

Up $68,953 (+4.7%) from 2016

Net Income

Up

$54,192

Up $29,784 (+122%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth43rd 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

2017

Assets$1,753,443
Liabilities$448
Net Assets$1,752,995
Open 2017 Filing

Operations Trend

Revenue Growth60th 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

2017

Revenue$1,604,374
Expenses$1,550,182
Net Income$54,192
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 8, 2018
Return Version
2017v2.2
Gross Receipts
$1,764,343
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$943,937$999,562▲ $55,625
Land, Buildings, and Equipment, Net$724,845$724,845→ $0
Cash and Non-Interest-Bearing Accounts$30,125$29,036▼ $1,089
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$1,698,907$1,753,443▲ $54,536
Other Assets Total-$0-
Liabilities
Accounts Payable and Accrued Expenses$104$448▲ $344
Total Liabilities$104$448▲ $344
Net Assets / Fund Balance
Unrestricted Net Assets$1,698,803$1,752,995▲ $54,192
Total Net Assets Fund Balance$1,698,803$1,752,995▲ $54,192
Total Liabilities and Net Assets / Fund Balance$1,698,907$1,753,443▲ $54,536

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$588,785--
Equipment$136,060--
Compensation and Service Providers
Top Officer Pay40th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Timothy N CurrenManagerFT$113,218$113,218
Christopher R StaubleDirectorPT$18,084$18,084
Marcia WeaverDirectorPT$16,000$16,000
Thomas SecciaDirectorPT$16,000$16,000
James WhiteDirectorPT$12,504$12,504
John MasselliDirectorPT$12,504$12,504
Paul a RuaneDirectorPT$12,504$12,504
Delbert L HallPresidentPT$9,500$9,500
Jannette F RoscoeVice PresidentPT$9,500$9,500
John D ReiersenTreasurerPT$9,500$9,500
Antonino CogliandroDirectorPT$6,252$6,252
Lori BrownDirectorPT$4,168$4,168
Revenue and Support

Revenue Composition

Contributions and Grants
$1,579,651
Program Service Revenue
$0
Investment Income
$23,314
Other Revenue
$1,409
Change in Net Assets
$54,192
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,262,220
Other Expenses$287,962
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$666,599
Current Officers, Directors, Trustees, and Key Employees---$239,734
Other Employee Benefits---$209,299
Pension Plan Contributions---$84,066
Payroll Taxes---$62,522
Occupancy---$34,969
Insurance---$33,356
Information Technology---$26,548
All Other Expenses---$21,452
Travel---$18,607
Other Expenses---$12,755
Office Expenses---$8,660
Fees for Services Accounting---$5,150
Advertising---$3,400
Total Functional Expenses$0$0$0$1,550,182
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
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
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, 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
2018-05-08
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
11

Preparer

Firm
Maikels & Trainor CPAS
Address
21 Everett Rd Ext, Albany, NY 12205
Preparer
Allen F Maikels CPA
Phone
5184874679
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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/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0209299
IRS990/OtherExpensesGrp/Desc0RATE SERVICE
IRS990/OtherExpensesGrp/Desc1BUSINESS SERVICES
IRS990/OtherExpensesGrp/Desc2Printing and Publications
IRS990/OtherExpensesGrp/Desc3Postage and Shipping
IRS990/OtherExpensesGrp/TotalAmt065790
IRS990/OtherExpensesGrp/TotalAmt132031
IRS990/OtherExpensesGrp/TotalAmt225244
IRS990/OtherExpensesGrp/TotalAmt312755
IRS990/OtherRevenueTotalAmt0378
IRS990/OtherSalariesAndWagesGrp/TotalAmt0666599
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/OwnWebsiteInd0X
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt062522
IRS990/PensionPlanContributionsGrp/TotalAmt084066
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0TIMOTHY N CURREN
IRS990/ProfessionalFundraisingInd0false
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt01477214
IRS990/PYInvestmentIncomeAmt021772
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0278652
IRS990/PYOtherRevenueAmt06651
IRS990/PYRevenuesLessExpensesAmt024408
IRS990/PYSalariesCompEmpBnftPaidAmt01202577
IRS990/PYTotalExpensesAmt01481229
IRS990/PYTotalRevenueAmt01505637
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt054192
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt01031
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt01603199
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0943937
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0999562
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0588785
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0588785
IRS990ScheduleD/EquipmentGrp/BookValueAmt0136060
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0136060
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0724845
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/TotalAssetsBOYAmt01698907
IRS990/TotalAssetsEOYAmt01753443
IRS990/TotalAssetsGrp/BOYAmt01698907
IRS990/TotalAssetsGrp/EOYAmt01753443
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt01579651
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01550182
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0104
IRS990/TotalLiabilitiesEOYAmt0448
IRS990/TotalLiabilitiesGrp/BOYAmt0104
IRS990/TotalLiabilitiesGrp/EOYAmt0448
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01698803
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01752995
IRS990/TotalProgramServiceExpensesAmt01550152
IRS990/TotalProgramServiceRevenueAmt00
IRS990/TotalReportableCompFromOrgAmt0239734
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt024723
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01604374
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01698907
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01753443
IRS990/TravelGrp/TotalAmt018607
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt01698803
IRS990/UnrestrictedNetAssetsGrp/EOYAmt01752995
IRS990/VotingMembersGoverningBodyCnt03
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0WWW.URBRATINGBOARD.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TIMOTHY N CURREN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-08
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 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/ReturnTs02018-05-08T07:03:24-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,753,443
Liabilities
$448
Net assets
$1,752,995
Revenue
$1,604,374
Expenses
$1,550,182
Net income
$54,192
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