Civic Intelligence

North Carolina Joint Underwriting

EIN 56-1222676 • 501(c)6 • Raleigh, NC

View Organization Page

Profile

In 1969, the north carolina general assembly established the association as a market of last resort to provide property insurance for individuals and businesses who are unable to buy it in the standard insurance market. All property and casualty insurance companies doing business in north carolina are required by statute to participate in funding the operations of the association, and they share in its losses on pro rata basis. The association is not an agency of the state government, but its regulated by the north carolina commissioner of insurance.

751 Corporate Center Dr 200Raleigh, NC 27607

www.ncjua-nciua.org

Siviq Scores

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

Liabilities / Assets

90th percentile

0.84x

Higher debt load relative to assets than 90% of similar nonprofits.

501(c)6 • $100M-$250M nonprofits • Source year 2023

Liabilities / Revenue

74th percentile

0.91x

Higher debt load relative to revenue than 74% of similar nonprofits.

501(c)6 • $100M-$250M nonprofits • Source year 2023

Net Margin

58th percentile

4.4%

Higher net margin than 58% of similar nonprofits.

501(c)6 • $100M-$250M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

84th percentile

28%

Faster asset growth than 84% of similar nonprofits.

501(c)6 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Revenue Growth

80th percentile

27%

Faster revenue growth than 80% of similar nonprofits.

501(c)6 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets90th percentile

Assets

Up

$226,493,783

Up $48,905,628 (+28%) from 2023

Liabilities

Up

$200,585,369

Up $50,783,012 (+34%) from 2023

Net Assets

Down

$25,908,414

Down $1,877,384 (-6.8%) from 2023

Operations
Liabilities / Revenue74th percentileNet Margin58th percentile

Revenue

Up

$232,772,463

Up $67,263,192 (+41%) from 2023

Expenses

Up

$234,114,213

Up $75,959,562 (+48%) from 2023

Net Income

Down

-$1,341,750

Down $8,696,370 (-118%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth84th percentile

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

$300M$200M$100M$0-$100MAssets 2010: $47,711,369Liabilities 2010: $20,870,636Net Assets 2010: $26,840,7332010Assets 2011: $32,349,283Liabilities 2011: $37,088,357Net Assets 2011: -$4,739,0742011Assets 2012: $23,597,718Liabilities 2012: $28,787,299Net Assets 2012: -$5,189,5812012Assets 2013: $54,496,263Liabilities 2013: $35,224,796Net Assets 2013: $19,271,4672013Assets 2014: $61,043,793Liabilities 2014: $45,396,101Net Assets 2014: $15,647,6922014Assets 2015: $74,551,718Liabilities 2015: $51,591,597Net Assets 2015: $22,960,1212015Assets 2016: $86,064,283Liabilities 2016: $60,158,576Net Assets 2016: $25,905,7072016Assets 2017: $82,952,135Liabilities 2017: $63,938,660Net Assets 2017: $19,013,4752017Assets 2018: $82,450,648Liabilities 2018: $75,235,480Net Assets 2018: $7,215,1682018Assets 2019: $105,034,313Liabilities 2019: $80,966,519Net Assets 2019: $24,067,7942019Assets 2020: $105,543,148Liabilities 2020: $86,366,225Net Assets 2020: $19,176,9232020Assets 2021: $120,203,040Liabilities 2021: $98,670,798Net Assets 2021: $21,532,2422021Assets 2022: $138,408,796Liabilities 2022: $116,322,730Net Assets 2022: $22,086,0662022Assets 2023: $177,588,155Liabilities 2023: $149,802,357Net Assets 2023: $27,785,7982023Assets 2024: $226,493,783Liabilities 2024: $200,585,369Net Assets 2024: $25,908,4142024

Highlighted filing

2024

Assets$226,493,783
Liabilities$200,585,369
Net Assets$25,908,414
Open 2024 Filing

Operations Trend

Revenue Growth80th percentile

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

$300M$200M$100M$0-$100M-$200MExpenses 2010: $17,793,3862010Expenses 2011: $47,848,6272011Expenses 2012: $17,298,4262012Revenue 2013: $36,545,545Expenses 2013: $33,744,350Net Income 2013: $2,801,1952013Revenue 2014: $45,912,149Expenses 2014: $48,544,451Net Income 2014: -$2,632,3022014Revenue 2015: $60,140,249Expenses 2015: $51,911,888Net Income 2015: $8,228,3612015Revenue 2016: $69,082,953Expenses 2016: $96,705,188Net Income 2016: -$27,622,2352016Revenue 2017: $75,546,965Expenses 2017: $62,816,718Net Income 2017: $12,730,2472017Revenue 2018: $83,659,520Expenses 2018: $204,319,889Net Income 2018: -$120,660,3692018Revenue 2019: $89,250,714Expenses 2019: $99,132,317Net Income 2019: -$9,881,6032019Revenue 2020: $98,575,626Expenses 2020: $113,567,817Net Income 2020: -$14,992,1912020Revenue 2021: $111,313,450Expenses 2021: $109,911,248Net Income 2021: $1,402,2022021Revenue 2022: $130,581,422Expenses 2022: $134,189,979Net Income 2022: -$3,608,5572022Revenue 2023: $165,509,271Expenses 2023: $158,154,651Net Income 2023: $7,354,6202023Revenue 2024: $232,772,463Expenses 2024: $234,114,213Net Income 2024: -$1,341,7502024

Highlighted filing

2024

Revenue$232,772,463
Expenses$234,114,213
Net Income-$1,341,750
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$226,493,783
Liabilities
$200,585,369
Net assets
$25,908,414
Revenue
$232,772,463
Expenses
$234,114,213
Net income
-$1,341,750
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$226$201$25.9$233$234$1.34
2023Detailed filing. Detailed filing data is available for this year.$178$150$27.8$166$158$7.35
2022Detailed filing. Detailed filing data is available for this year.$138$116$22.1$131$134$3.61
2021Detailed filing. Detailed filing data is available for this year.$120$98.7$21.5$111$110$1.40
2020Detailed filing. Detailed filing data is available for this year.$106$86.4$19.2$98.6$114$15.0
2019Detailed filing. Detailed filing data is available for this year.$105$81.0$24.1$89.3$99.1$9.88
2018Detailed filing. Detailed filing data is available for this year.$82.5$75.2$7.22$83.7$204$121
2017Detailed filing. Detailed filing data is available for this year.$83.0$63.9$19.0$75.5$62.8$12.7
2016Detailed filing. Detailed filing data is available for this year.$86.1$60.2$25.9$69.1$96.7$27.6
2015Detailed filing. Detailed filing data is available for this year.$74.6$51.6$23.0$60.1$51.9$8.23
2014Detailed filing. Detailed filing data is available for this year.$61.0$45.4$15.6$45.9$48.5$2.63
2013Detailed filing. Detailed filing data is available for this year.$54.5$35.2$19.3$36.5$33.7$2.80
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.6$28.8$5.19$17.3
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.3$37.1$4.74$47.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$47.7$20.9$26.8$17.8
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 2, 2025
Return Version
2024v5.1
Gross Receipts
$256,800,038
Mission and Program Overview

Mission

In 1969, the north carolina general assembly established the association as a market of last resort to provide property insurance for individuals and businesses who are unable to buy it in the standard insurance market. All property and casualty insurance companies doing business in north carolina are required by statute to participate in funding the operations of the association, and they share in its losses on pro rata basis. The association is not an agency of the state government, but its regulated by the north carolina commissioner of insurance.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$85,421,287$136,306,264▲ $50,884,977
Accounts Receivable$33,927,809$46,826,579▲ $12,898,770
Cash and Non-Interest-Bearing Accounts$36,841,341$28,065,295▼ $8,776,046
Rtn Earn Endowment Incm Other Fnds$27,785,798$25,908,414▼ $1,877,384
Savings and Temporary Cash Investments$21,388,254$15,260,440▼ $6,127,814
Land, Buildings, and Equipment, Net$9,464$35,205▲ $25,741
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$177,588,155$226,493,783▲ $48,905,628
Liabilities
Other Liabilities$138,997,434$179,114,398▲ $40,116,964
Accounts Payable and Accrued Expenses$10,804,923$21,470,971▲ $10,666,048
Total Liabilities$149,802,357$200,585,369▲ $50,783,012
Net Assets / Fund Balance
Total Net Assets Fund Balance$27,785,798$25,908,414▼ $1,877,384
Total Liabilities and Net Assets / Fund Balance$177,588,155$226,493,783▲ $48,905,628

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$35,205$2,615,804$2,651,009
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dianne HardyChief Executive OfficerPT$497,273$117,119$614,392
Alvin AshworthChief Operating OfficerPT$353,047$120,073$473,120
Robert EadesChief Claims OfficerPT$272,736$96,844$369,580
Tekeela BarnesChief Information OfficerPT$236,664$93,991$330,655
Sonya ChampionChief Human Resources OfficerPT$232,011$78,932$310,943
Mick QuinlanDirector of ItPT$228,536$71,167$299,703
Vicki FisherDirector of ClaimsPT$212,360$61,298$273,658
Sarah MooreChief Financial OfficerPT$184,774$84,058$268,832
Vita WootenDirector of UnderwritingPT$181,250$68,308$249,558
Nicole PepicelloClaims ManagerPT$143,522$87,998$231,520
Charles WigleyClaims ManagerPT$154,291$49,058$203,349

Board Members and Trustees

NameTitle
Allen HouckChair
Eric HammonsVice Chair
Alex GarateBoard Member
Brad LovinBoard Member
Hope KornegayBoard Member
Jarette SampsonBoard Member
John MilettiBoard Member
Patrick JoyceBoard Member
Reginald WrightBoard Member
Robert YanceyBoard Member
Steve HallBoard Member
Tina ForsbergBoard Member
Sarah MaestreBOARD MEMBER (FROM (FROM JAN '24)
Jerry AchatzBOARD MEMBER (FROM NOV '24)
Chris FrisbieBOARD MEMBER (TO JAN '24)
Eric VaithBOARD MEMBER (TO NOV '24)

Highest Paid Contractors

ContractorServicesLocationCompensation
Creative Adjusting INCClaims Services7703 N LAMAR STE 210, Austin, TX 78752$2,970,625
Ogon Consulting LLCSoftware Development746 DAILEY AVE, San Jose, CA 95123$1,051,863
Young Moore & Henderson PaLegal Services3101 GLENWOOD AVE 200, Raleigh, NC 27612$787,311
Adams & Edge Claims Service LLCClaims Services5041 NEW CENTRE DR STE 120, Wilmington, DE 28403$629,129
Mcgriff Insurance Services INCProducer Commissions8200 GREENSBORO DR FL 8, Mclean, VA 22102$613,779
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$225,856,729
Investment Income
$6,781,462
Other Revenue
$134,272
Change in Net Assets
$-1,341,750

Audited Revenue Reconciliation

Revenue per Audited Statements
$231,692,487
Revenue Not Reported on Financial Statements
$1,079,976
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$231,692,487
Total Revenue per Form 990
$232,772,463
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$224,481,012
Salaries, Compensation, and Employee Benefits$9,633,201
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses---$6,610,176
Other Salaries and Wages---$5,749,342
Information Technology---$2,974,374
Other Expenses---$1,654,772
Office Expenses---$1,371,819
Other Employee Benefits---$1,334,144
Current Officers, Directors, Trustees, and Key Employees---$1,134,447
Pension Plan Contributions---$966,975
Occupancy---$787,371
Fees for Services Other---$450,410
Payroll Taxes---$448,293
Conferences and Meetings---$308,777
Fees for Services Legal---$278,617
Insurance---$200,478
Depreciation Depletion---$110,570
Fees for Services Accounting---$104,151
Fees for Service Investment Mgmnt Fees---$70,937
Travel---$69,984
Total Functional Expenses$0$0$0$234,114,213

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$234,114,213
Expenses per Audited Statements$232,675,886
Total Expenses per Audited Statements$232,675,886
Expenses Not Reported on Financial Statements$1,438,327
Other Expense Adjustments$358,351
Expenses Not Reported on Form 990$0
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
Unearned Premium Reserves$137,723,766
Loss Reserves$32,218,358
Loss Adjustment Expense Reserves$5,450,642
Retirement Liabilities$3,721,632
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Every insurer authorized to write basic property insurance in north carolina, except town and county mutual insurance association and assessable mutual companies and except insurer who only writes insurance on property exmepted from taxation, shall be required to become and remain a member of the association.”

Form 990, Part VI, Section A, Line 7A

“The board of directors consist of fourteen (14) members: seven (7) representatives from the insurance industry, four (4) licensed agents and three (3) from the general public. The agent and public representatives are appointed by the commissioner of insurance. Each year the insurance industry representatives are nominated and approved by the board of directors. Each year the seven (7) insurance industry board members represent the remaining companies of the insurance industry by proxies.”

Form 990, Part VI, Section A, Line 7B

“All plan of operation and procedural changes must be approved by the board of directors with some company members providing their votes by proxies. Once these changes are approved by the board of directors, they are filed with the commissioner of insurance for approval.”

Form 990, Part VI, Section B, Line 11B

“The form 990 is reviewed by the general manager before filing.”

Form 990, Part VI, Section B, Line 12C

“Every year all board of directors and employees are required to sign a conflict of interest statement. These statements are reviewed for indication of conflicts.”

Form 990, Part VI, Section B, Line 15

“The board of directors hire and provides review and compensation for the general manager. The general manager approves hiring and compensation for all remaining employees. For key employees of the organization, comparability data from property casualty insurers (pci) and national association of mutual insurance companies (namic) were utilized to determine equitable compensation levels.”

Form 990, Part VI, Section C, Line 19

“All governing documents and financial statements are available on the association's website.”

Filing and Contact Details

Filer

Filer Name
North Carolina Joint Underwriting
EIN
56-1222676
Phone
9198211299
Address
751 CORPORATE CENTER DR 200, RALEIGH, NC 27607

Signing Officer

Name
Gina Hardy
Title
Chief Executive Officer
Phone
9198211299
Signed
2025-05-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dianne Hardy
Formed
1969
Legal Domicile
Nc
Voting Board Members
14
Independent Board Members
12
Employees
210
Volunteers
0

Preparer

Firm
Johnson Lambert Llp
Address
4242 SIX FORKS ROAD SUITE 1500, RALEIGH, NC 27609
Preparer
J Calvin Marks
Phone
9197196400
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in nonadmitted -977,314. Change in pension liability 83,329. Bad debt expense 358,351.”

Financial Statement Notes

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Bad debt expense 358,351.”

Raw XML AppendixShowing 400 of 772 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/PersonNm22MICK QUINLAN
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IRS990/Form990PartVIISectionAGrp/TitleTxt16CHIEF EXECUTIVE OFFICER
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IRS990/Form990PartVIISectionAGrp/TitleTxt18CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt19CHIEF CLAIMS OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt20CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt21CHIEF HUMAN RESOURCES OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt22DIRECTOR OF IT
IRS990/Form990PartVIISectionAGrp/TitleTxt23DIRECTOR OF CLAIMS
IRS990/Form990PartVIISectionAGrp/TitleTxt24DIRECTOR OF UNDERWRITING
IRS990/Form990PartVIISectionAGrp/TitleTxt25CLAIMS MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt26CLAIMS MANAGER
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IRS990/MissionDesc0IN 1969, THE NORTH CAROLINA GENERAL ASSEMBLY ESTABLISHED THE ASSOCIATION AS A MARKET OF LAST RESORT TO PROVIDE PROPERTY INSURANCE FOR INDIVIDUALS AND BUSINESSES WHO ARE UNABLE TO BUY IT IN THE STANDARD INSURANCE MARKET. ALL PROPERTY AND CASUALTY INSURANCE COMPANIES DOING BUSINESS IN NORTH CAROLINA ARE REQUIRED BY STATUTE TO PARTICIPATE IN FUNDING THE OPERATIONS OF THE ASSOCIATION, AND THEY SHARE IN ITS LOSSES ON PRO RATA BASIS. THE ASSOCIATION IS NOT AN AGENCY OF THE STATE GOVERNMENT, BUT ITS REGULATED BY THE NORTH CAROLINA COMMISSIONER OF INSURANCE.
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