Civic Intelligence

Underwriters Rating Board

990 • Fiscal year 2018 • EIN 14-1132305

Jan 01, 2018 to Dec 31, 2018 • Filed on May 07, 2019

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.

2018 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2018

Liabilities / Revenue

10th percentile

0.00x

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

2018 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2018

Net Margin

50th percentile

3.7%

Higher net margin than 50% of similar nonprofits.

2018 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2018

Top Officer Pay

49th percentile

$139,425

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 8.4% of source-year revenue.

2018 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2018

Asset Growth

55th percentile

3.4%

Faster asset growth than 55% of similar nonprofits.

2018 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Revenue Growth

49th percentile

2.9%

Faster revenue growth than 49% of similar nonprofits.

2018 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets10th percentile

Assets

Up

$1,813,880

Up $60,437 (+3.4%) from 2017

Net Assets

Up

$1,813,522

Up $60,527 (+3.5%) from 2017

Liabilities

Down

$358

Down $90 (-20%) from 2017

Revenue And Expenses
Liabilities / Revenue10th percentileNet Margin50th percentile

Revenue

Up

$1,650,893

Up $46,519 (+2.9%) from 2017

Expenses

Up

$1,590,366

Up $40,184 (+2.6%) from 2017

Net Income

Up

$60,527

Up $6,335 (+12%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth55th 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

2018

Assets$1,813,880
Liabilities$358
Net Assets$1,813,522
Open 2018 Filing

Operations Trend

Revenue Growth49th 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

2018

Revenue$1,650,893
Expenses$1,590,366
Net Income$60,527
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 7, 2019
Return Version
2018v3.1
Gross Receipts
$1,682,492
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$999,562$1,010,813▲ $11,251
Land, Buildings, and Equipment, Net$724,845$724,845→ $0
Cash and Non-Interest-Bearing Accounts$29,036$78,222▲ $49,186
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$1,753,443$1,813,880▲ $60,437
Other Assets Total-$0-
Liabilities
Accounts Payable and Accrued Expenses$448$358▼ $90
Total Liabilities$448$358▼ $90
Net Assets / Fund Balance
Unrestricted Net Assets$1,752,995$1,813,522▲ $60,527
Total Net Assets Fund Balance$1,752,995$1,813,522▲ $60,527
Total Liabilities and Net Assets / Fund Balance$1,753,443$1,813,880▲ $60,437

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$588,785--
Equipment$136,060--
Compensation and Service Providers
Top Officer Pay49th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Timothy N CurrenManagerFT$139,425$139,425
Marcia WeaverSecretaryPT$24,000$24,000
Thomas SecciaVice PresidentPT$24,000$24,000
Christopher R StaublePresidentPT$24,000$24,000
James WhiteDirectorPT$12,504$12,504
Paul a RuaneDirectorPT$12,504$12,504
Antonino CogliandroDirectorPT$6,252$6,252
Lori BrownDirectorPT$6,252$6,252
John MasselliDirectorPT$3,126$3,126
Revenue and Support

Revenue Composition

Contributions and Grants
$1,613,117
Program Service Revenue
$0
Investment Income
$33,081
Other Revenue
$4,695
Change in Net Assets
$60,527
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,297,405
Other Expenses$292,961
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$680,376
Current Officers, Directors, Trustees, and Key Employees---$239,823
Other Employee Benefits---$218,104
Pension Plan Contributions---$94,476
Payroll Taxes---$64,626
Travel---$44,074
Insurance---$33,218
Occupancy---$31,599
Information Technology---$12,482
Other Expenses---$12,358
Office Expenses---$11,260
All Other Expenses---$10,499
Fees for Services Accounting---$5,150
Advertising---$1,900
Total Functional Expenses$0$0$0$1,590,366
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
2019-05-07
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
Raw XML Appendix355 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0448
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0358
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0THE ORGANIZATION PROVIDES RATING SERVICES AND STATISTICAL ANALYSIS FOR ITS MEMBER MUTUAL INSURANCE COMPANIES.
IRS990/AdvertisingGrp/TotalAmt01900
IRS990/AllAffiliatesIncludedInd0false
IRS990/AllOtherExpensesGrp/TotalAmt010499
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0TIMOTHY N CURREN
IRS990/BooksInCareOfDetail/PhoneNum05183558363
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02932 CURRY ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0SCHENECTADY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NY
IRS990/BooksInCareOfDetail/USAddress/ZIPCd012303
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt029036
IRS990/CashNonInterestBearingGrp/EOYAmt078222
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0239823
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt01613117
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt033081
IRS990/CYOtherExpensesAmt0292961
IRS990/CYOtherRevenueAmt04695
IRS990/CYProgramServiceRevenueAmt00
IRS990/CYRevenuesLessExpensesAmt060527
IRS990/CYSalariesCompEmpBnftPaidAmt01297405
IRS990/CYTotalExpensesAmt01590366
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01650893
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0THE ORGANIZATION PROVIDED RATING SERVICES AND STATISTICAL ANALYSIS FOR ITS MEMBER MUTUAL COMPANIES.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt011
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EscrowAccountInd0false
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt05150
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt015.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt115.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt210.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt310.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt415.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt510.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt610.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt710.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0ANTONINO COGLIANDRO
IRS990/Form990PartVIISectionAGrp/PersonNm1MARCIA WEAVER
IRS990/Form990PartVIISectionAGrp/PersonNm2JAMES WHITE
IRS990/Form990PartVIISectionAGrp/PersonNm3CHRISTOPHER R STAUBLE
IRS990/Form990PartVIISectionAGrp/PersonNm4THOMAS SECCIA
IRS990/Form990PartVIISectionAGrp/PersonNm5JOHN MASSELLI
IRS990/Form990PartVIISectionAGrp/PersonNm6PAUL A RUANE
IRS990/Form990PartVIISectionAGrp/PersonNm7LORI BROWN
IRS990/Form990PartVIISectionAGrp/PersonNm8TIMOTHY N CURREN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt06252
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt124000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt212504
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt324000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt424000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt53126
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt612504
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt76252
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8139425
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3President
IRS990/Form990PartVIISectionAGrp/TitleTxt4Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8MANAGER
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0false
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt03
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01682492
IRS990/GrossRentsGrp/RealAmt036000
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt012482
IRS990/InsuranceGrp/TotalAmt033218
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt033081
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt033081
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt010
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0724845
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0724845
IRS990/LandBldgEquipCostOrOtherBssAmt0724845
IRS990/LegalDomicileStateCd0NY
IRS990/LessRentalExpensesGrp/RealAmt031599
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembershipDuesAmt01613117
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0THE ORGANIZATION PROVIDES RATING SERVICES AND STATISTICAL ANALYSIS FOR ITS MEMBER MUTUAL INSURANCE COMPANIES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01752995
IRS990/NetAssetsOrFundBalancesEOYAmt01813522
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt04401
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt04401
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt031599
IRS990/OfficeExpensesGrp/TotalAmt011260
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0218104
IRS990/OtherExpensesGrp/Desc0RATE SERVICE
IRS990/OtherExpensesGrp/Desc1Printing and Publications
IRS990/OtherExpensesGrp/Desc2BUSINESS SERVICES
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS
IRS990/OtherExpensesGrp/TotalAmt086142
IRS990/OtherExpensesGrp/TotalAmt123848
IRS990/OtherExpensesGrp/TotalAmt220431
IRS990/OtherExpensesGrp/TotalAmt312358
IRS990/OtherRevenueTotalAmt0294
IRS990/OtherSalariesAndWagesGrp/TotalAmt0680376
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/OwnWebsiteInd0X
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt064626
IRS990/PensionPlanContributionsGrp/TotalAmt094476
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0TIMOTHY N CURREN
IRS990/ProfessionalFundraisingInd0false
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt01579651
IRS990/PYInvestmentIncomeAmt023314
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0287962
IRS990/PYOtherRevenueAmt01409
IRS990/PYRevenuesLessExpensesAmt054192
IRS990/PYSalariesCompEmpBnftPaidAmt01262220
IRS990/PYTotalExpensesAmt01550182
IRS990/PYTotalRevenueAmt01604374
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt060527
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt04401
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0999562
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01010813
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/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01753443
IRS990/TotalAssetsEOYAmt01813880
IRS990/TotalAssetsGrp/BOYAmt01753443
IRS990/TotalAssetsGrp/EOYAmt01813880
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt01613117
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01590366
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0448
IRS990/TotalLiabilitiesEOYAmt0358
IRS990/TotalLiabilitiesGrp/BOYAmt0448
IRS990/TotalLiabilitiesGrp/EOYAmt0358
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01752995
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01813522
IRS990/TotalProgramServiceRevenueAmt00
IRS990/TotalReportableCompFromOrgAmt0252063
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt037776
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01650893
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01753443
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01813880
IRS990/TravelGrp/TotalAmt044074
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt01752995
IRS990/UnrestrictedNetAssetsGrp/EOYAmt01813522
IRS990/VotingMembersGoverningBodyCnt03
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0WWW.URBRATINGBOARD.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TIMOTHY N CURREN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-05-07
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/ReturnTs02019-05-07T06:48:22-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,813,880
Liabilities
$358
Net assets
$1,813,522
Revenue
$1,650,893
Expenses
$1,590,366
Net income
$60,527
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