Civic Intelligence

Royal Neighbors of America

EIN 36-1711198 • 501(c)8 • Rock Island, IL

Profile

Provide women and those they care about with valuable insurance products, financial education, member benefits and services, and opportunities to connect with each other and their communities through a lodge system.

230 16th StreetRock Island, IL 61201

www.royalneighbors.org

Siviq Scores

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

Liabilities / Assets

76th percentile

0.82x

Higher debt load relative to assets than 76% of similar nonprofits.

$1B+ nonprofits • Source year 2019

Liabilities / Revenue

78th percentile

4.92x

Higher debt load relative to revenue than 78% of similar nonprofits.

$1B+ nonprofits • Source year 2019

Net Margin

40th percentile

4.5%

Higher net margin than 40% of similar nonprofits.

$1B+ nonprofits • Source year 2019

Top Officer Pay

34th percentile

$911,248

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 0.5% of source-year revenue.

$1B+ nonprofits • Source year 2019

Asset Growth

33rd percentile

3.5%

Faster asset growth than 33% of similar nonprofits.

$1B+ nonprofits • Annualized from 2018 to 2019

Revenue Growth

15th percentile

-0.4%

Faster revenue growth than 15% of similar nonprofits.

$1B+ nonprofits • Annualized from 2018 to 2019

Assets

Up

$1,104,741,684

Up $36,853,292 (+3.5%) from 2018

Liabilities

Up

$910,062,030

Up $32,116,147 (+3.7%) from 2018

Net Assets

Up

$194,679,654

Up $4,737,145 (+2.5%) from 2018

Revenue

Down

$185,032,558

Down $766,253 (-0.4%) from 2018

Expenses

Down

$176,727,005

Down $6,697,342 (-3.7%) from 2018

Net Income

Up

$8,305,553

Up $5,931,089 (+250%) from 2018

Trend Graphs

Balance Sheet Trend

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

$1.5B$1.0B$500M$0Assets 2010: $765,792,458Liabilities 2010: $537,381,785Net Assets 2010: $228,410,6732010Assets 2011: $792,485,851Liabilities 2011: $581,004,276Net Assets 2011: $211,481,5752011Assets 2012: $831,334,323Liabilities 2012: $624,927,407Net Assets 2012: $206,406,9162012Assets 2013: $867,661,147Liabilities 2013: $654,924,467Net Assets 2013: $212,736,6802013Assets 2014: $904,386,926Liabilities 2014: $695,325,201Net Assets 2014: $209,061,7252014Assets 2015: $971,981,497Liabilities 2015: $769,475,502Net Assets 2015: $202,505,9952015Assets 2016: $979,305,941Liabilities 2016: $790,204,086Net Assets 2016: $189,101,8552016Assets 2017: $1,008,232,634Liabilities 2017: $814,598,635Net Assets 2017: $193,633,9992017Assets 2018: $1,067,888,392Liabilities 2018: $877,945,883Net Assets 2018: $189,942,5092018Assets 2019: $1,104,741,684Liabilities 2019: $910,062,030Net Assets 2019: $194,679,6542019

Highlighted filing

2019

Assets$1,104,741,684
Liabilities$910,062,030
Net Assets$194,679,654

Operations Trend

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

$200M$150M$100M$50M$0-$50MExpenses 2010: $139,683,9742010Expenses 2011: $110,771,5932011Expenses 2012: $130,544,3092012Revenue 2013: $130,379,758Expenses 2013: $133,222,085Net Income 2013: -$2,842,3272013Revenue 2014: $137,361,979Expenses 2014: $138,221,712Net Income 2014: -$859,7332014Revenue 2015: $152,885,163Expenses 2015: $154,532,094Net Income 2015: -$1,646,9312015Revenue 2016: $157,805,997Expenses 2016: $159,203,348Net Income 2016: -$1,397,3512016Revenue 2017: $159,594,417Expenses 2017: $160,992,580Net Income 2017: -$1,398,1632017Revenue 2018: $185,798,811Expenses 2018: $183,424,347Net Income 2018: $2,374,4642018Revenue 2019: $185,032,558Expenses 2019: $176,727,005Net Income 2019: $8,305,5532019

Highlighted filing

2019

Revenue$185,032,558
Expenses$176,727,005
Net Income$8,305,553

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 13, 2020
Return Version
2019v5.0
Gross Receipts
$313,910,267
Mission and Program Overview

Mission

Provide women and those they care about with valuable insurance products, financial education, member benefits and services, and opportunities to connect with each other and their communities through a lodge system.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$458,764,901$448,358,162▼ $10,406,739
Investments Other Securities$442,548,002$439,072,941▼ $3,475,061
Rtn Earn Endowment Incm Other Fnds$189,942,509$194,679,654▲ $4,737,145
Savings and Temporary Cash Investments$7,724,253$17,359,966▲ $9,635,713
Land, Buildings, and Equipment, Net$3,727,225$3,726,783▼ $442
Cash and Non-Interest-Bearing Accounts$5,522,840$1,676,269▼ $3,846,571
Total Assets$1,067,888,392$1,104,741,684▲ $36,853,292
Other Assets Total$149,601,171$194,547,563▲ $44,946,392
Liabilities
Other Liabilities$872,473,413$899,199,273▲ $26,725,860
Accounts Payable and Accrued Expenses$5,472,470$10,862,757▲ $5,390,287
Total Liabilities$877,945,883$910,062,030▲ $32,116,147
Net Assets / Fund Balance
Total Net Assets Fund Balance$189,942,509$194,679,654▲ $4,737,145
Total Liabilities and Net Assets / Fund Balance$1,067,888,392$1,104,741,684▲ $36,853,292

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,668,444$4,526,964$2,712,237
Equipment$326,989$1,690,352$2,017,341
Land$731,350-$331,350
Other Assets Org$254,800--
Other Securities$57,298,254--

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2019$1,316,737-▲ $221,831-$1,538,568
2018$1,376,709-▼ $59,972-$1,316,737
2017$1,213,460-▲ $163,249-$1,376,709
2016$842,569$300,000▲ $70,891-$1,213,460
2015$840,406-▲ $2,163-$842,569
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cynthia TidwellPresidentFT$475,478$435,770$911,248
Thomas MyersCFO/treasureFT$382,551$48,387$430,938
Thomas MyersCFO/treasurer-$241,008$189,930$430,938
Curtis ZeckCIO/COOFT$229,565$136,431$365,996
Jon LuciaGeneral CounFT$289,438$45,669$335,107
Jon LuciaGeneral Counsel/secr-$221,981$113,126$335,107
John FriederichHuman ResourFT$256,749$30,004$286,753
John FriederichHuman Resources Exec-$211,863$74,890$286,753
Mary StaverIt ExecutiveFT$178,723$100,998$279,721
Susan CotterOperations EPT$224,325$30,627$254,952
Susan CotterOperations Executive-$33,222$221,730$254,952
Raja KrishnamurthyDirectorFT$186,871$43,425$230,296
Raja Krishnamurthy--$163,011$67,285$230,296
David DeckerDirectorFT$186,903$38,374$225,277
David Decker--$163,290$61,987$225,277
Christopher GeertsDirectorFT$172,303$42,459$214,762
Christopher Geerts--$148,899$65,863$214,762
Kyle SlavishDirectorFT$199,868$12,918$212,786
Kyle Slavish--$191,345$21,531$212,786
John J CsipkesDirectorFT$164,544$35,153$199,697
John J Csipkes--$115,070$84,702$199,697
Karen HayesDirectorFT$156,829$31,627$188,456
Karen Hayes--$133,397$55,034$188,456
Christopher LangeDirectorFT$133,379$15,539$148,918
David KesslerDirectorFT$137,792$5,302$143,094
David Kessler--$121,603$21,351$143,094
Veronica JordanDirector-$84,010-$84,010
Marla Friedman Glabe--$79,010-$79,010
Estella Vallejo--$75,823-$75,823
Patricia Jones--$73,260-$73,260
Julie Bauer--$72,010-$72,010
Lisa Kro--$70,260-$70,260
Ruth Mcgregor--$67,760-$67,760
Marie Ziegler--$64,010-$64,010
Suzanne Riesterer--$64,010-$64,010

Highest Paid Contractors

ContractorServicesLocationCompensation
American Senior Benefits LLCInsurance Sales12722 BLACKBOB RD, Olathe, KS 66062$3,719,150
The Assurance Group INCInsurance Sales5035 PROSPECT ST, Archdale, NC 27263$2,372,041
Dynamic Insurance ServicesInsurance SalesDYNAMIC INSURANCE SERVICES INC, Richardson, TX 75080$752,051
Game Changing Benefits LLCInsurance Sales13601 PRESTON RD STE E, Dallas, TX 75240$594,951
Strong Family Financial LLC-1100 RIVERWALK TERRACE, Jenks, OK 74037$544,195
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$129,999,756
Investment Income
$54,567,802
Other Revenue
$465,000
Change in Net Assets
$8,305,553

Audited Revenue Reconciliation

Revenue per Audited Statements
$181,176,304
Revenue Not Reported on Financial Statements
$3,856,254
Total Revenue per Audited Statements
$181,176,304
Total Revenue per Form 990
$185,032,558
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$44,182,802
Salaries, Compensation, and Employee Benefits$17,442,616
Grants and Similar Amounts Paid$645,407
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$114,456,180--$114,456,180
Fees for Services Other$29,018,314--$29,018,314
Other Salaries and Wages$11,549,712--$11,549,712
Current Officers, Directors, Trustees, and Key Employees$3,350,806--$3,350,806
All Other Expenses$1,933,058--$1,933,058
Pension Plan Contributions$1,645,364--$1,645,364
Occupancy$1,324,926--$1,324,926
Information Technology$1,225,087--$1,225,087
Depreciation Depletion$1,169,218--$1,169,218
Office Expenses$1,106,977--$1,106,977
Interest$872,903--$872,903
Payroll Taxes$806,594--$806,594
Other Expenses$733,620--$733,620
Conferences and Meetings$579,346--$579,346
Grants to Domestic Orgs$437,975--$437,975
Travel$436,146--$436,146
Grants to Domestic Individuals$207,432--$207,432
Fees for Service Investment Mgmnt Fees$201,784--$201,784
Insurance$182,800--$182,800
Advertising$150,801--$150,801
Fees for Services Accounting$111,669--$111,669
Fees for Services Legal$98,128--$98,128
Other Employee Benefits$90,140--$90,140
Total Functional Expenses$176,727,005$0$0$176,727,005

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$176,727,005
Expenses per Audited Statements$172,870,751
Total Expenses per Audited Statements$172,870,751
Expenses Not Reported on Financial Statements$3,856,254
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
----$437,975
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Aggregate Reserve for Life Certs$808,135,560
Fhlb Debt$35,058,110
Asset Val Reserve$21,778,339
Liab for Deposit-type Contract$15,123,871
CONTRACT CLAIMS: LIFE$10,229,348
Int Maint Reserve$2,939,426
Remit & Items Not Allowed$1,673,267
Amts Payable on Reins$1,270,171
Ref Payable Appor. for Pymt$730,000
457 (b) Liability$726,477
Aggregate Reserve for A&h$574,700
Comm to Field Work Due & Accrued$540,765
CONTRACT CLAIMS: A&H$131,533
Amts W/h by Soc as Agent$99,339
Prem and Adv Annuity Consider$94,654
Int Def Benefit Pymts$93,713
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 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
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
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, Page 6, Part VI, Line 6

Royal neighbors of america is an i.r.c. Section 501(c)(8) fraternal benefit society, organized under the laws of illinois applicable to fraternal benefit societies. As such, royal neighbors has members, but no stockholders, and is organized solely for the benefit of its members and their beneficiaries.

Form 990, Page 6, Part VI, Line 7A

The adult beneficial members of royal neighbors of america elect the outside organization members of the governing body in a direct election by mail as authorized by royal neighbors of america's bylaws and by the illinois laws applicable to fraternal benefit societies.

Form 990, Page 6, Part VI, Line 11B

The form 990 is reviewed by an officer of the company prior to the filing of the form 990.

Form 990, Page 6, Part VI, Line 12C

Royal neighbors of america's conflict of interest policy requires annual certification by all officers, directors, and key employees, among others, regarding compliance with the conflicts of interest policy, including disclosure of matters that could give rise to conflicts. These matters are reported to the governance committee and, if applicable, the audit committee.

Form 990, Page 6, Part VI, Line 15A

The compensation of royal neighbors of america's ceo is approved by the governing body following review and recommendation by the compensation committee, composed entirely of outside (independent) directors of royal neighbors of america. The compensation committee process includes a review of comparable data along with consulation with an outside consultant. The deliberations and decisions of the compensation committee and the governing body are contemporaneously substantiated through written minutes.

Form 990, Page 6, Part VI, Line 15B

The compensation of royal neighbors of america's officers and other employees is approved by the governing body following review and recommendation by the compensation committee, composed entirely of outside (independent) directors of royal neighbors of america. The compensation committee process includes a review of comparable data along with consultation with an outside consultant. The deliberations and decisions of the compensation committee and the governing body are contemporaneously substantiated through written minutes.

Form 990, Page 6, Part VI, Line 19

Royal neighbors of america makes its form 990 available for public inspection upon request at its office and by mail upon written request. Royal neighbors of america makes its articles of incorporation, bylaws, and annual financial information (including summarized financial statements) available to the public on its website. Royal neighbors of america's conflict of interest policy is available upon request.

Filing and Contact Details

Filer

Filer Name
Royal Neighbors of America
EIN
36-1711198
Phone
3097884561
Address
230 16TH STREET, ROCK ISLAND, IL 61201

Signing Officer

Name
John Friederich
Title
General Counsel/secr
Phone
3097884561
Signed
2020-11-13

Organization Details

Principal Officer
Cynthia Tidwell
Formed
1895
Legal Domicile
Il
Voting Board Members
11
Independent Board Members
9
Employees
132
Volunteers
48,260

Preparer

Firm
Royal Neighbors of America
Address
230 16TH ST, ROCK ISLAND, IL 61201
Preparer
Brenna Stephens
Phone
3097328261
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

29,018,314 0 0

Form 990, Part XI, Line 9

-4,952,369 the -4,952,639 change in net assets or fund balances is itemized as follows: -1,777,684 change in non-admitted assets, -2,904,840 change in asset valuation reserve, -270,115 change in deferred ceding commission

Form 990, Page 12, Part XII, Line 2C

No change in process or oversight.

Financial Statement Notes

Schedule D, Page 2, Part V, Line 4

The intended use of the endowment funds is to generate earnings to provide a stable fund to support on-going programs in furtherance of the mission of the royal neighbors foundation.

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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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