Liabilities / Assets
76th percentile
Higher debt load relative to assets than 76% of similar nonprofits.
EIN 82-2999422 • 501(c)6 • Golden Valley, MN
Profile
The risk management association (rma), an affiliate driven professional association, helps banking and non-banking institutions identify and manage the impacts of credit risk, operational risk, and market risk on their businesses and customers. We achieve this goal through education, research, networking, and leadership opportunities.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
76th percentile
Higher debt load relative to assets than 76% of similar nonprofits.
Liabilities / Revenue
84th percentile
Higher debt load relative to revenue than 84% of similar nonprofits.
Net Margin
57th percentile
Higher net margin than 57% of similar nonprofits.
Top Officer Pay
77th percentile
Higher top officer pay than 77% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
57th percentile
Faster asset growth than 57% of similar nonprofits.
Revenue Growth
79th percentile
Faster revenue growth than 79% of similar nonprofits.
Assets
Up$229,304
Up $5,145 (+2.3%) from 2023
Liabilities
Down$26,154
Down $628 (-2.3%) from 2023
Net Assets
Up$203,150
Up $5,773 (+2.9%) from 2023
Revenue
Up$130,997
Up $23,940 (+22%) from 2023
Expenses
Up$125,224
Up $12,647 (+11%) from 2023
Net Income
Up$5,773
Up $11,293 (+205%) from 2023
Most recent year
2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.
The risk management association (rma), an affiliate driven professional association, helps banking and non-banking institutions identify and manage the impacts of credit risk, operational risk, and market risk on their businesses and customers. We achieve this goal through education, research, networking, and leadership opportunities.
| Description | Grants | Expenses |
|---|---|---|
| TO ADVANCE SOUND RISK PRINCIPLES IN THE FINANCIAL SERVICES INDUSTRY TO IMPROVE INSTITUTIONAL PERFORMANCE AND FINANCIAL STABILITY, AS WELL AS ENHANCE THE RISK COMPETENCY OF INDIVIDUALS THROUGH INFORMATION, EDUCATION, PEER SHARING, AND NETWORKING. EACH YEAR THE RMA MINNESOTA CHAPTER OFFERS THE COMMERCIAL LENDING ACADEMY. SINCE THE PROGRAM'S INCEPTION, OVER 300 LENDERS, CREDIT ANALYSTS AND FINANCIAL INDUSTRY PROFESSIONALS FROM MORE THAN 65 INSTITUTIONS IN THE MIDWEST HAVE GRADUATED FROM THE ACADEMY. OUR PROGRAM PROVIDES A COMPREHENSIVE OVERVIEW TO THE VARIOUS ASPECTS OF THE COMMERCIAL LOAN UNDERWRITING AND MANAGEMENT PROCESS. | - | - |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| ANDY DISCH | Director | - | $0 | - | - |
| ROBIN TURNER | Director | - | $0 | - | - |
| TODD SHARKEY | Director | - | $0 | - | - |
| BRETT LAWRENCE | Director | - | $0 | - | - |
| PAUL DRAPER | Vice Preside | - | $0 | - | - |
| PAULA WILLIAMS | Treasurer | - | $0 | - | - |
| RYAN NELSON | President | - | $0 | - | - |
| HEATHER RACHEL | Director | - | $0 | - | - |
| NICOLE KNUTSON | Director | - | $0 | - | - |
| DAN RYAN | Director | - | $0 | - | - |
| JASON NOBLE | Secretary | - | $0 | - | - |
“Expenses board meeting 14 travel & conference fees 2,999 insurance 1,565 recognition awards 500 facilities charge 25,155 instructor fees 33,903 materials 2,949 meals & refreshments 15,201 miscellaneous 1,603 student outreach awards 4,000 yp program expenses 889 administrative services 18,016 bank charges 1,140 merchant services 5,456 rounding 3 total 113,393”
“Accounts receivable 1,330 0 prepaid expenses and deferred charges 784 2,284 total 2,114 2,284”
“Accounts payable and accrued expenses 2,021 2,766 deferred revenue 24,761 23,388”
“The risk management association (rma), an affiliate driven professional association, helps banking and non-banking institutions identify and manage the impacts of credit risk, operational risk, and market risk on their businesses and customers. We achieve this goal through education, research, networking, and leadership opportunities.”
“To advance sound risk principles in the financial services industry to improve institutional performance and financial stability, as well as enhance the risk competency of individuals through information, education, peer sharing, and networking. Each year the rma minnesota chapter offers the commercial lending academy. Since the program's inception, over 300 lenders, credit analysts and financial industry professionals from more than 65 institutions in the midwest have graduated from the academy. Our program provides a comprehensive overview to the various aspects of the commercial loan underwriting and management process.”
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/ActivitiesNotPreviouslyRptInd | 0 | false |
| IRS990EZ/BooksInCareOfDetail/PersonNm | 0 | PAULA WILLIAMS |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 6513040010 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | PO BOX 270924 |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | GOLDEN VALLEY |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MN |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 55427 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 222045 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 227020 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 5773 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 7620 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form1120PolFiledInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 224159 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 229304 |
| IRS990EZ/GrossReceiptsAmt | 0 | 130997 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InvestmentIncomeAmt | 0 | 1962 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MembershipDuesAmt | 0 | 34808 |
| IRS990EZ/MethodOfAccountingAccrualInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 197377 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 203150 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 197377 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 203150 |
| IRS990EZ/OccupancyRentUtltsAndMaintAmt | 0 | 2149 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 5 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 6 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 7 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 8 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 9 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 10 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 7 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 8 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 9 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 10 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | ANDY DISCH |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | ROBIN TURNER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | TODD SHARKEY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | BRETT LAWRENCE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | PAUL DRAPER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | PAULA WILLIAMS |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 6 | RYAN NELSON |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 7 | HEATHER RACHEL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 8 | NICOLE KNUTSON |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 9 | DAN RYAN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 10 | JASON NOBLE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | VICE PRESIDE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | TREASURER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 7 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 8 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 9 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 10 | SECRETARY |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501cInd | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 2114 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 2284 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 113393 |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | THE RISK MANAGEMENT ASSOCIATION (RMA), AN AFFILIATE DRIVEN PROFESSIONAL ASSOCIATION, HELPS BANKING AND NON-BANKING INSTITUTIONS IDENTIFY AND MANAGE THE IMPACTS OF CREDIT RISK, OPERATIONAL RISK, AND MARKET RISK ON THEIR BUSINESSES AND CUSTOMERS. WE ACHIEVE THIS GOAL THROUGH EDUCATION, RESEARCH, NETWORKING, AND LEADERSHIP OPPORTUNITIES. |
| IRS990EZ/PrintingPublicationsPostageAmt | 0 | 2062 |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 94227 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | TO ADVANCE SOUND RISK PRINCIPLES IN THE FINANCIAL SERVICES INDUSTRY TO IMPROVE INSTITUTIONAL PERFORMANCE AND FINANCIAL STABILITY, AS WELL AS ENHANCE THE RISK COMPETENCY OF INDIVIDUALS THROUGH INFORMATION, EDUCATION, PEER SHARING, AND NETWORKING. EACH YEAR THE RMA MINNESOTA CHAPTER OFFERS THE COMMERCIAL LENDING ACADEMY. SINCE THE PROGRAM'S INCEPTION, OVER 300 LENDERS, CREDIT ANALYSTS AND FINANCIAL INDUSTRY PROFESSIONALS FROM MORE THAN 65 INSTITUTIONS IN THE MIDWEST HAVE GRADUATED FROM THE ACADEMY. OUR PROGRAM PROVIDES A COMPREHENSIVE OVERVIEW TO THE VARIOUS ASPECTS OF THE COMMERCIAL LOAN UNDERWRITING AND MANAGEMENT PROCESS. |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/StatesWhereCopyOfReturnIsFldCd | 0 | MN |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 26782 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 26154 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 125224 |
| IRS990EZ/TotalRevenueAmt | 0 | 130997 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | WWW.RMA-MN.ORG |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | EXPENSES BOARD MEETING 14 TRAVEL & CONFERENCE FEES 2,999 INSURANCE 1,565 RECOGNITION AWARDS 500 FACILITIES CHARGE 25,155 INSTRUCTOR FEES 33,903 MATERIALS 2,949 MEALS & REFRESHMENTS 15,201 MISCELLANEOUS 1,603 STUDENT OUTREACH AWARDS 4,000 YP PROGRAM EXPENSES 889 ADMINISTRATIVE SERVICES 18,016 BANK CHARGES 1,140 MERCHANT SERVICES 5,456 ROUNDING 3 TOTAL 113,393 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | ACCOUNTS RECEIVABLE 1,330 0 PREPAID EXPENSES AND DEFERRED CHARGES 784 2,284 TOTAL 2,114 2,284 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | ACCOUNTS PAYABLE AND ACCRUED EXPENSES 2,021 2,766 DEFERRED REVENUE 24,761 23,388 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE RISK MANAGEMENT ASSOCIATION (RMA), AN AFFILIATE DRIVEN PROFESSIONAL ASSOCIATION, HELPS BANKING AND NON-BANKING INSTITUTIONS IDENTIFY AND MANAGE THE IMPACTS OF CREDIT RISK, OPERATIONAL RISK, AND MARKET RISK ON THEIR BUSINESSES AND CUSTOMERS. WE ACHIEVE THIS GOAL THROUGH EDUCATION, RESEARCH, NETWORKING, AND LEADERSHIP OPPORTUNITIES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | TO ADVANCE SOUND RISK PRINCIPLES IN THE FINANCIAL SERVICES INDUSTRY TO IMPROVE INSTITUTIONAL PERFORMANCE AND FINANCIAL STABILITY, AS WELL AS ENHANCE THE RISK COMPETENCY OF INDIVIDUALS THROUGH INFORMATION, EDUCATION, PEER SHARING, AND NETWORKING. EACH YEAR THE RMA MINNESOTA CHAPTER OFFERS THE COMMERCIAL LENDING ACADEMY. SINCE THE PROGRAM'S INCEPTION, OVER 300 LENDERS, CREDIT ANALYSTS AND FINANCIAL INDUSTRY PROFESSIONALS FROM MORE THAN 65 INSTITUTIONS IN THE MIDWEST HAVE GRADUATED FROM THE ACADEMY. OUR PROGRAM PROVIDES A COMPREHENSIVE OVERVIEW TO THE VARIOUS ASPECTS OF THE COMMERCIAL LOAN UNDERWRITING AND MANAGEMENT PROCESS. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART II, LINE 24 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART II, LINE 26 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990-EZ, PART III |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990-EZ, PART III, LINE 28 |
| ReturnHeader/BuildTS | 0 | 2024-10-15 13:58:12Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | PAULA WILLIAMS |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | TREASURER |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 6513040010 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2024-11-22 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | THE MINNESOTA CHAPTER OF THE RISK |
| ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt | 0 | MANAGEMENT ASSOCIATION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | MINN |
| ReturnHeader/Filer/EIN | 0 | 822999422 |
| ReturnHeader/Filer/PhoneNum | 0 | 6513040010 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | PO BOX 270924 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | GOLDEN VALLEY |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MN |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 55427 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | true |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | MURRY & ASSOCIATES LLC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 7575 GOLDEN VALLEY RD STE 119 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | GOLDEN VALLEY |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MN |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 55427 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 7635469340 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2024-12-05 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | MORGAN WALLACE-JOHNSON |
| ReturnHeader/ReturnTs | 0 | 2024-12-05T17:09:37-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2023-09-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-08-31 |
| ReturnHeader/TaxYr | 0 | 2023 |
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