Civic Intelligence

Raf Inc

EIN 20-3643982 • 501(c)7 • Memphis, TN

Profile

Raf facilitates various insurance programs for the benefit of nonprofit organizations and their officers throughout north america. Raf also supports the health and safety educational initiatives of various nonprofit organizations as well as their officers, advisors, and members.

1779 Kirby Parkway 13310Memphis, TN 38138

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

11th percentile

0.05x

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

501(c)7 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

16th percentile

0.15x

Higher debt load relative to revenue than 16% of similar nonprofits.

501(c)7 • $5M-$10M nonprofits • Source year 2024

Net Margin

87th percentile

22%

Higher net margin than 87% of similar nonprofits.

501(c)7 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

71st percentile

7.8%

Faster asset growth than 71% of similar nonprofits.

501(c)7 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

44th percentile

4.4%

Faster revenue growth than 44% of similar nonprofits.

501(c)7 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets11th percentile

Assets

Up

$9,476,899

Up $681,845 (+7.8%) from 2023

Liabilities

Down

$434,329

Down $98,652 (-19%) from 2023

Net Assets

Up

$9,042,570

Up $780,497 (+9.4%) from 2023

Operations
Liabilities / Revenue16th percentileNet Margin87th percentile

Revenue

Up

$2,831,156

Up $119,976 (+4.4%) from 2023

Expenses

Up

$2,215,505

Up $33,941 (+1.6%) from 2023

Net Income

Up

$615,651

Up $86,035 (+16%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth71st percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$10M$5.0M$0Assets 2010: $3,069,420Liabilities 2010: $148,954Net Assets 2010: $2,920,4662010Assets 2011: $3,729,303Liabilities 2011: $150,214Net Assets 2011: $3,579,0892011Assets 2012: $4,777,211Liabilities 2012: $63,934Net Assets 2012: $4,713,2772012Assets 2013: $5,341,842Liabilities 2013: $156,959Net Assets 2013: $5,184,8832013Assets 2014: $6,466,361Liabilities 2014: $422,211Net Assets 2014: $6,044,1502014Assets 2015: $6,518,686Liabilities 2015: $152,295Net Assets 2015: $6,366,3912015Assets 2016: $6,475,807Liabilities 2016: $130,473Net Assets 2016: $6,345,3342016Assets 2017: $7,079,036Liabilities 2017: $380,570Net Assets 2017: $6,698,4662017Assets 2018: $7,004,645Liabilities 2018: $735,846Net Assets 2018: $6,268,7992018Assets 2019: $6,718,936Liabilities 2019: $537,717Net Assets 2019: $6,181,2192019Assets 2020: $7,028,402Liabilities 2020: $440,868Net Assets 2020: $6,587,5342020Assets 2021: $9,177,263Liabilities 2021: $1,601,870Net Assets 2021: $7,575,3932021Assets 2022: $8,413,645Liabilities 2022: $738,137Net Assets 2022: $7,675,5082022Assets 2023: $8,795,054Liabilities 2023: $532,981Net Assets 2023: $8,262,0732023Assets 2024: $9,476,899Liabilities 2024: $434,329Net Assets 2024: $9,042,5702024

Highlighted filing

2024

Assets$9,476,899
Liabilities$434,329
Net Assets$9,042,570
Open 2024 Filing

Operations Trend

Revenue Growth44th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $983,2072010Expenses 2011: $868,4182011Expenses 2012: $938,1392012Expenses 2013: $1,315,2642013Revenue 2014: $2,007,580Expenses 2014: $1,389,942Net Income 2014: $617,6382014Revenue 2015: $1,534,617Expenses 2015: $1,126,343Net Income 2015: $408,2742015Revenue 2016: $1,744,583Expenses 2016: $1,359,269Net Income 2016: $385,3142016Revenue 2017: $2,112,158Expenses 2017: $2,146,342Net Income 2017: -$34,1842017Revenue 2018: $2,098,661Expenses 2018: $2,361,013Net Income 2018: -$262,3522018Revenue 2019: $1,756,045Expenses 2019: $1,716,182Net Income 2019: $39,8632019Revenue 2020: $2,142,040Expenses 2020: $1,578,178Net Income 2020: $563,8622020Revenue 2021: $2,409,295Expenses 2021: $2,147,175Net Income 2021: $262,1202021Revenue 2022: $2,393,891Expenses 2022: $1,285,190Net Income 2022: $1,108,7012022Revenue 2023: $2,711,180Expenses 2023: $2,181,564Net Income 2023: $529,6162023Revenue 2024: $2,831,156Expenses 2024: $2,215,505Net Income 2024: $615,6512024

Highlighted filing

2024

Revenue$2,831,156
Expenses$2,215,505
Net Income$615,651
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$9,476,899
Liabilities
$434,329
Net assets
$9,042,570
Revenue
$2,831,156
Expenses
$2,215,505
Net income
$615,651
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$9.48$0.43$9.04$2.83$2.22$0.62
2023Detailed filing. Detailed filing data is available for this year.$8.80$0.53$8.26$2.71$2.18$0.53
2022Detailed filing. Detailed filing data is available for this year.$8.41$0.74$7.68$2.39$1.29$1.11
2021Detailed filing. Detailed filing data is available for this year.$9.18$1.60$7.58$2.41$2.15$0.26
2020Detailed filing. Detailed filing data is available for this year.$7.03$0.44$6.59$2.14$1.58$0.56
2019Detailed filing. Detailed filing data is available for this year.$6.72$0.54$6.18$1.76$1.72$0.04
2018Detailed filing. Detailed filing data is available for this year.$7.00$0.74$6.27$2.10$2.36$0.26
2017Detailed filing. Detailed filing data is available for this year.$7.08$0.38$6.70$2.11$2.15$0.03
2016Detailed filing. Detailed filing data is available for this year.$6.48$0.13$6.35$1.74$1.36$0.39
2015Detailed filing. Detailed filing data is available for this year.$6.52$0.15$6.37$1.53$1.13$0.41
2014Detailed filing. Detailed filing data is available for this year.$6.47$0.42$6.04$2.01$1.39$0.62
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.34$0.16$5.18$1.32
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.78$0.06$4.71$0.94
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.73$0.15$3.58$0.87
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.07$0.15$2.92$0.98
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2023 to Jun 30, 2024
Signed
May 14, 2025
Return Version
2023v6.0
Gross Receipts
$3,332,322
Mission and Program Overview

Mission

Raf facilitates various insurance programs for the benefit of nonprofit organizations and their officers throughout north america. Raf also supports the health and safety educational initiatives of various nonprofit organizations as well as their officers, advisors, and members.

Raf provides liability protection and helps to fund health and safety education for nonprofit organizations.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$4,478,369$4,090,023▼ $388,346
Land, Buildings, and Equipment, Net$1,866,388$1,778,003▼ $88,385
Investments Program Related$271,098$271,098→ $0
Savings and Temporary Cash Investments$2,164,767$233,008▼ $1,931,759
Accounts Receivable$6,320$11,649▲ $5,329
Other Notes and Loans Receivable, Net$8,112$5,875▼ $2,237
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities$0--
Loans From Officers Directors-$0-
Total Assets$8,795,054$9,476,899▲ $681,845
Other Assets Total$0$3,087,243▲ $3,087,243
Liabilities
Other Liabilities$459,743$418,532▼ $41,211
Accounts Payable and Accrued Expenses$73,238$15,797▼ $57,441
Total Liabilities$532,981$434,329▼ $98,652
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$8,262,073$9,042,570▲ $780,497
Total Net Assets Fund Balance$8,262,073$9,042,570▲ $780,497
Total Liabilities and Net Assets / Fund Balance$8,795,054$9,476,899▲ $681,845

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,731,449$712,785$2,444,234
Equipment$46,554$49,250$95,804
Other Assets Org$277,045--
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
John M SilbersteinPresident
Thomas a UeblerVice President
Michael McmillanDirector
Steven S HeckDirector
Thomas J OlsenDirector
Justin a BuckCEO/secretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Oak Service CorporationStaffing Services8347 West Range Cove, Memphis, TN 38125$837,874
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,295,222
Investment Income
$470,246
Other Revenue
$65,688
Change in Net Assets
$615,651
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,129,505
Grants and Similar Amounts Paid$86,000
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$268,500
Insurance---$234,429
Grants to Domestic Orgs---$86,000
Fees for Services Legal---$22,339
Fees for Services Accounting---$8,525
Other Expenses---$2,151
Office Expenses---$1,463
Total Functional Expenses$0$0$0$2,215,505
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
PIKE UniversityMemphis, TN501(c)(3)Health and Safety Education Grant$86,000
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees-$0-
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Premiums Payable$216,882
Estimated Claims Payable$187,320
Deposits$14,330
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
Yes
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 Review of form 990 by governing body

“the 990 is reviewed by the ceo and key accounting personnel.”

Form 990, Part VI, Line 12C Conflict of interest policy

“the conflict of interest policy is reviewed and revisited during each election cycle. (every two years). There is an on-going discussion and education regarding conflict of interest issues.”

Form 990, Part VI, Line 19 Required documents available to the public

“the organization's governing documents, financial statements and conflict of interest policy are available upon request.”

Form 990, Part VII, Section A, Line 5

“Unrelated organization: oak service corporation compensation: $66,428 non taxable benefits: $5,942 person receiving compensation: justin a. Buck”

Filing and Contact Details

Filer

Filer Name
RAF Inc
EIN
20-3643982
Phone
9013332776
Address
1779 KIRBY PARKWAY 13310, MEMPHIS, TN 38138

Signing Officer

Name
John M Silberstein
Title
President
Signed
2025-05-14
Discuss with paid preparer
Yes

Organization Details

Formed
2005
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
5
Employees
0
Volunteers
5

Preparer

Firm
Forvis Mazars LLP
Address
500 Ridgefield Court, Asheville, NC 28806
Preparer
Amy Bibby
Phone
8282542254
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G Other Fees

“Contracted Services - Total Expense: 240000, Program Service Expense: , Management and General Expenses: , Fundraising Expenses: ; Insurance Programs and Inspection Fees - Total Expense: 28500, Program Service Expense: , Management and General Expenses: , Fundraising Expenses: ;”

Form 990, Part XI, Line 9 Other changes in net assets or fund balances

“JRFCO Income - -41615;”

Form 990, Part XII, Line 2B

“The audit was not complete at the time of the 990 filing.”

Financial Statement Notes

Schedule D, Part X, Line 2 FIN 48 (ASC 740) footnote

“raf, inc. has determined that it does not have any material uncertain tax positions as of June 30, 2024.”

Raw XML Appendix389 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/TitleTxt2DIRECTOR
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IRS990/MissionDesc0RAF FACILITATES VARIOUS INSURANCE PROGRAMS FOR THE BENEFIT OF NONPROFIT ORGANIZATIONS AND THEIR OFFICERS THROUGHOUT NORTH AMERICA. RAF ALSO SUPPORTS THE HEALTH AND SAFETY EDUCATIONAL INITIATIVES OF VARIOUS NONPROFIT ORGANIZATIONS AS WELL AS THEIR OFFICERS, ADVISORS, AND MEMBERS.
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IRS990/ProgramServiceRevenueGrp/Desc2Property Premiums
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1263183
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IRS990/ProgSrvcAccomActy2Grp/Desc0FACILITATE VARIOUS INSURANCE PROGRAMS FOR THE BENEFIT OF PARTICIPATING NONPROFIT ORGANIZATIONS AND THEIR OFFICERS AND ADVISORS.
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IRS990/PYOtherRevenueAmt036140
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IRS990/PYTotalProfFndrsngExpnsAmt00
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IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt0712785
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02444234
IRS990ScheduleD/EquipmentGrp/BookValueAmt046554
IRS990ScheduleD/EquipmentGrp/DepreciationAmt049250
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt095804
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0810148
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt12000050
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2277045
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0white horse line of credit
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1WRI loan
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2funds held by property managers
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt114330
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2216882
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Estimated Claims Payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Premiums Payable
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0raf, inc. has determined that it does not have any material uncertain tax positions as of June 30, 2024.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part X, Line 2 FIN 48 (ASC 740) footnote
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IRS990ScheduleD/TotalBookValueOtherAssetsAmt03087243
IRS990ScheduleD/TotalLiabilityAmt0418532
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IRS990ScheduleI/RecipientTable/CashGrantAmt086000
IRS990ScheduleI/RecipientTable/IRCSectionDesc0501(c)(3)
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0Health and Safety Education Grant
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0PIKE University
IRS990ScheduleI/RecipientTable/RecipientEIN0203287316
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt01779 Kirby Pkwy 13890
IRS990ScheduleI/RecipientTable/USAddress/CityNm0Memphis
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0the 990 is reviewed by the ceo and key accounting personnel.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1the conflict of interest policy is reviewed and revisited during each election cycle. (every two years). There is an on-going discussion and education regarding conflict of interest issues.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2the organization's governing documents, financial statements and conflict of interest policy are available upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3UNRELATED ORGANIZATION: OAK SERVICE CORPORATION COMPENSATION: $66,428 NON TAXABLE BENEFITS: $5,942 PERSON RECEIVING COMPENSATION: JUSTIN A. BUCK
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Contracted Services - Total Expense: 240000, Program Service Expense: , Management and General Expenses: , Fundraising Expenses: ; Insurance Programs and Inspection Fees - Total Expense: 28500, Program Service Expense: , Management and General Expenses: , Fundraising Expenses: ;
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5JRFCO Income - -41615;
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The audit was not complete at the time of the 990 filing.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b Review of form 990 by governing body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 12c Conflict of interest policy
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 19 Required documents available to the public
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VII, Section A, Line 5
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 11g Other Fees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part XI, Line 9 Other changes in net assets or fund balances
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XII, Line 2b
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02831156
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0606311
IRS990/TotalVolunteersCnt05
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IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JOHN M SILBERSTEIN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RAF Inc
ReturnHeader/Filer/BusinessNameControlTxt0RAFI
ReturnHeader/Filer/EIN0203643982
ReturnHeader/Filer/PhoneNum09013332776
ReturnHeader/Filer/USAddress/AddressLine1Txt01779 KIRBY PARKWAY 13310
ReturnHeader/Filer/USAddress/CityNm0MEMPHIS
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ReturnHeader/Filer/USAddress/ZIPCd038138
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0440160260
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Forvis Mazars LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0500 Ridgefield Court
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Asheville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd028806
ReturnHeader/PreparerPersonGrp/PhoneNum08282542254
ReturnHeader/PreparerPersonGrp/PreparationDt02023-12-18
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Amy Bibby
ReturnHeader/ReturnTs02025-05-14T12:41:41+00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02023-07-01
ReturnHeader/TaxPeriodEndDt02024-06-30
ReturnHeader/TaxYr02023

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