Civic Intelligence

Managed Care Risk Association Inc

EIN 22-3443356 • 501(c)6 • St Paul, MN

Profile

To support the healthcare excess of loss reinsurance and provider excess markets by facilitating information exchange between reinsurers, underwriters, brokers and cost containment providers.

2850 12th STREET NWSt Paul, MN 55112

www.mcraweb.org

Siviq Scores

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

Liabilities / Assets

88th percentile

0.38x

Higher debt load relative to assets than 88% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

96th percentile

0.77x

Higher debt load relative to revenue than 96% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Net Margin

27th percentile

-13%

Higher net margin than 27% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Top Officer Pay

80th percentile

$0

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2025

Asset Growth

51st percentile

-0.2%

Faster asset growth than 51% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

62nd percentile

7.7%

Faster revenue growth than 62% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets88th percentile

Assets

Down

$292,225

Down $472 (-0.2%) from 2024

Liabilities

Up

$111,920

Up $18,698 (+20%) from 2024

Net Assets

Down

$180,305

Down $19,170 (-9.6%) from 2024

Operations
Liabilities / Revenue96th percentileNet Margin27th percentile

Revenue

Up

$144,628

Up $10,319 (+7.7%) from 2024

Expenses

Up

$163,798

Up $60,171 (+58%) from 2024

Net Income

Down

-$19,170

Down $49,852 (-162%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth51st percentile

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

$300K$200K$100K$0Assets 2012: $70,145Liabilities 2012: $34,5262012Assets 2013: $67,565Liabilities 2013: $43,2712013Assets 2014: $98,787Liabilities 2014: $69,2062014Assets 2015: $148,098Liabilities 2015: $71,4442015Assets 2016: $187,187Liabilities 2016: $83,7652016Assets 2017: $225,202Liabilities 2017: $102,2082017Assets 2018: $231,661Liabilities 2018: $80,1882018Assets 2019: $259,104Liabilities 2019: $100,9332019Assets 2020: $190,097Liabilities 2020: $9,2542020Assets 2021: $176,703Liabilities 2021: $9,2542021Assets 2022: $229,552Liabilities 2022: $90,263Net Assets 2022: $139,2892022Assets 2023: $273,967Liabilities 2023: $105,174Net Assets 2023: $168,7932023Assets 2024: $292,697Liabilities 2024: $93,222Net Assets 2024: $199,4752024Assets 2025: $292,225Liabilities 2025: $111,920Net Assets 2025: $180,3052025

Highlighted filing

2025

Assets$292,225
Liabilities$111,920
Net Assets$180,305
Open 2025 Filing

Operations Trend

Revenue Growth62nd percentile

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

$200K$150K$100K$50K$0-$50KRevenue 2012: $53,401Expenses 2012: $53,654Net Income 2012: -$2532012Revenue 2013: $51,756Expenses 2013: $63,081Net Income 2013: -$11,3252013Revenue 2014: $57,720Expenses 2014: $52,433Net Income 2014: $5,2872014Revenue 2015: $93,683Expenses 2015: $46,610Net Income 2015: $47,0732015Revenue 2016: $111,765Expenses 2016: $84,997Net Income 2016: $26,7682016Revenue 2017: $118,569Expenses 2017: $98,997Net Income 2017: $19,5722017Revenue 2018: $137,415Expenses 2018: $108,936Net Income 2018: $28,4792018Revenue 2019: $125,440Expenses 2019: $118,742Net Income 2019: $6,6982019Revenue 2020: $131,189Expenses 2020: $108,517Net Income 2020: $22,6722020Revenue 2021: $0Expenses 2021: $13,394Net Income 2021: -$13,3942021Revenue 2022: $0Expenses 2022: $28,160Net Income 2022: -$28,1602022Revenue 2023: $135,230Expenses 2023: $105,726Net Income 2023: $29,5042023Revenue 2024: $134,309Expenses 2024: $103,627Net Income 2024: $30,6822024Revenue 2025: $144,628Expenses 2025: $163,798Net Income 2025: -$19,1702025

Highlighted filing

2025

Revenue$144,628
Expenses$163,798
Net Income-$19,170
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$292,225
Liabilities
$111,920
Net assets
$180,305
Revenue
$144,628
Expenses
$163,798
Net income
-$19,170
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$2.92$1.12$1.80$1.45$1.64$0.19
2024Detailed filing. Detailed filing data is available for this year.$2.93$0.93$1.99$1.34$1.04$0.31
2023Detailed filing. Detailed filing data is available for this year.$2.74$1.05$1.69$1.35$1.06$0.30
2022Detailed filing. Detailed filing data is available for this year.$2.30$0.90$1.39$0.00$0.28$0.28
2021Summary only. Only limited summary data is available for this year.$1.77$0.09$0.00$0.13$0.13
2020Summary only. Only limited summary data is available for this year.$1.90$0.09$1.31$1.09$0.23
2019Summary only. Only limited summary data is available for this year.$2.59$1.01$1.25$1.19$0.07
2018Summary only. Only limited summary data is available for this year.$2.32$0.80$1.37$1.09$0.28
2017Summary only. Only limited summary data is available for this year.$2.25$1.02$1.19$0.99$0.20
2016Summary only. Only limited summary data is available for this year.$1.87$0.84$1.12$0.85$0.27
2015Summary only. Only limited summary data is available for this year.$1.48$0.71$0.94$0.47$0.47
2014Summary only. Only limited summary data is available for this year.$0.99$0.69$0.58$0.52$0.05
2013Summary only. Only limited summary data is available for this year.$0.68$0.43$0.52$0.63$0.11
2012Summary only. Only limited summary data is available for this year.$0.70$0.35$0.53$0.54$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Oct 28, 2025
Return Version
2024v5.0
Gross Receipts
$144,628
Mission and Program Overview

Mission

To support the healthcare excess of loss reinsurance and provider excess markets by facilitating information exchange between reinsurers, underwriters, brokers and cost containment providers.

Program Services

DescriptionGrantsExpenses
CONFERENCE WHOSE PURPOSE IS THE SHARING OF INFORMATION AND EDUCATION. THE CONFERENCE IS HELD ANNUALLY AND IS ATTENDED BY UP TO 125 PROFESSIONALS.-$157,581
WEBSITE CONTAINING INFORMATION ABOUT THE INDUSTRY UPDATED PERIODICALLY THROUGHOUT THE YEAR.-$1,248
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
CHUCK NEWTONCo-President-$0--
MARY SULLIVANCo-President-$0--
JULAINE NOVAKTreasurer-$0--
PATTI SCIUBBAVice President-$0--
JENNIFER MILLARVice President-$0--
KENNY LOMBARDINIVice President-$0--
TONY STEPHENSVice President-$0--
Filing and Contact Details

Filer

Filer Name
Managed Care Risk Association Inc
EIN
22-3443356
Phone
6128018462
Address
2850 12th STREET NW, ST PAUL, MN 55112

Signing Officer

Name
Julaine Novak
Title
Treasurer
Phone
6128018462
Signed
2025-10-28
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 16

“Description;Amount^Annual Report Fee;159|Bank Fees;165|Conference Event;22013|Conference Venue;71861|Ticket Tailor;57|Board Member Expenses;2839|Insurance;661|Cvent Eventmobi;14288|Google Drive;1014|Website Expenses;1248^Total;114305^”

Form 990-EZ, Part II, Line 24

“Description;EOY Amount^Deposits for Conference Venue;4750|Deposits for Conference Event;5000|Deposits for Conference Speaker;26000^Total;35750^”

Form 990-EZ, Part II, Line 26

“Description;EOY Amount^Unearned Conference Sponsorships;58394|Unearned Program Revenue;53526^Total;111920^”

Raw XML Appendix151 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
IRS990EZ/ActivitiesNotPreviouslyRptInd00
IRS990EZ/BenefitsPaidToOrForMembersAmt00
IRS990EZ/BooksInCareOfDetail/PersonNm0JULAINE NOVAK
IRS990EZ/BooksInCareOfDetail/PhoneNum06128018462
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt02850 12th STREET NW
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0ST PAUL
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MN
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd055112
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0276105
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0256475
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/ContributionsGiftsGrantsEtcAmt072302
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/ExcessOrDeficitForYearAmt0-19170
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt044899
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form1120PolFiledInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0292697
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0292225
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GamingGrossIncomeAmt00
IRS990EZ/GrantsAndSimilarAmountsPaidAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt0144628
IRS990EZ/GrossSalesOfInventoryAmt00
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt00
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MembershipDuesAmt00
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0199475
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0180305
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0199475
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0180305
IRS990EZ/OccupancyRentUtltsAndMaintAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt01
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt41
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt51
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt61
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0CHUCK NEWTON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1MARY SULLIVAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2JULAINE NOVAK
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3PATTI SCIUBBA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4JENNIFER MILLAR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5KENNY LOMBARDINI
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6TONY STEPHENS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0CO-PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1CO-PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3VICE PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4VICE PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5VICE PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6VICE PRESIDENT
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherAssetsTotalDetail/BOYAmt016592
IRS990EZ/OtherAssetsTotalDetail/EOYAmt035750
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt0114305
IRS990EZ/OtherRevenueTotalAmt00
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0TO SUPPORT THE HEALTHCARE EXCESS OF LOSS REINSURANCE AND PROVIDER EXCESS MARKETS BY FACILITATING INFORMATION EXCHANGE BETWEEN REINSURERS, UNDERWRITERS, BROKERS AND COST CONTAINMENT PROVIDERS.
IRS990EZ/PrintingPublicationsPostageAmt04594
IRS990EZ/ProgramServiceRevenueAmt072326
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0CONFERENCE WHOSE PURPOSE IS THE SHARING OF INFORMATION AND EDUCATION. THE CONFERENCE IS HELD ANNUALLY AND IS ATTENDED BY UP TO 125 PROFESSIONALS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1WEBSITE CONTAINING INFORMATION ABOUT THE INDUSTRY UPDATED PERIODICALLY THROUGHOUT THE YEAR.
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt0157581
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt11248
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/SalariesOtherCompEmplBnftAmt00
IRS990EZ/SaleOfAssetsGrossAmt00
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt093222
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0111920
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TotalExpensesAmt0163798
IRS990EZ/TotalProgramServiceExpensesAmt0158829
IRS990EZ/TotalRevenueAmt0144628
IRS990EZ/TransactionWithControlEntInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0WWW.MCRAWEB.ORG
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Description;Amount^Annual Report Fee;159|Bank Fees;165|Conference Event;22013|Conference Venue;71861|Ticket Tailor;57|Board Member Expenses;2839|Insurance;661|Cvent Eventmobi;14288|Google Drive;1014|Website Expenses;1248^Total;114305^
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Description;EOY Amount^Deposits for Conference Venue;4750|Deposits for Conference Event;5000|Deposits for Conference Speaker;26000^Total;35750^
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Description;EOY Amount^Unearned Conference Sponsorships;58394|Unearned Program Revenue;53526^Total;111920^
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990-EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990-EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990-EZ, Part II, Line 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JULAINE NOVAK
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum06128018462
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-28
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MANAGED CARE RISK ASSOCIATION INC
ReturnHeader/Filer/BusinessNameControlTxt0MANA
ReturnHeader/Filer/EIN0223443356
ReturnHeader/Filer/PhoneNum06128018462
ReturnHeader/Filer/USAddress/AddressLine1Txt02850 12th STREET NW
ReturnHeader/Filer/USAddress/CityNm0ST PAUL
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd055112
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02025-10-28T07:28:29-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-07-01
ReturnHeader/TaxPeriodEndDt02025-06-30
ReturnHeader/TaxYr02024

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