Civic Intelligence

Nevada Insurance Guarantee Association

990 • Fiscal year 2013 • EIN 88-0134332

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 14, 2014

Organization ProfileWWW.NVIGA-PC.ORG

View Organization Page

3821 West Charleston BoulevardRoom/Suite 10089102

(702) 368-0607

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

99th percentile

2.01x

Higher debt load relative to assets than 99% of similar nonprofits.

2013 filings • 501(c)6 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

95th percentile

4.54x

Higher debt load relative to revenue than 95% of similar nonprofits.

2013 filings • 501(c)6 • $10M-$25M nonprofits • Source year 2013

Net Margin

52nd percentile

5.3%

Higher net margin than 52% of similar nonprofits.

2013 filings • 501(c)6 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

14th percentile

$140,974

Higher top officer pay than 14% of similar nonprofits.

Top officer pay equals 2.0% of source-year revenue.

2013 filings • 501(c)6 • $10M-$25M nonprofits • Source year 2013

Asset Growth

33rd percentile

2.4%

Faster asset growth than 33% of similar nonprofits.

2013 filings • 501(c)6 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

99th percentile

167%

Faster revenue growth than 99% of similar nonprofits.

2013 filings • 501(c)6 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$15,778,427

Up $373,800 (+2.4%) from 2012

Net Assets

Down

-$15,962,644

Down $20,826,715 (-428%) from 2012

Liabilities

Up

$31,741,071

Up $21,200,515 (+201%) from 2012

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin52nd percentile

Revenue

Up

$6,988,802

Up $4,370,530 (+167%) from 2012

Expenses

Up

$6,615,002

Up $3,898,023 (+143%) from 2012

Net Income

Up

$373,800

Up $472,507 (+479%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth33rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$60M$40M$20M$0-$20M-$40MAssets 2011: $15,603,381Liabilities 2011: $8,655,026Net Assets 2011: $6,948,3552011Assets 2012: $15,404,627Liabilities 2012: $10,540,556Net Assets 2012: $4,864,0712012Assets 2013: $15,778,427Liabilities 2013: $31,741,071Net Assets 2013: -$15,962,6442013Assets 2014: $8,420,203Liabilities 2014: $33,947,242Net Assets 2014: -$25,527,0392014Assets 2015: $9,609,734Liabilities 2015: $25,568,174Net Assets 2015: -$15,958,4402015Assets 2016: $6,200,680Liabilities 2016: $22,722,566Net Assets 2016: -$16,521,8862016Assets 2017: $11,438,387Liabilities 2017: $36,726,237Net Assets 2017: -$25,287,8502017Assets 2018: $14,022,775Liabilities 2018: $35,416,077Net Assets 2018: -$21,393,3022018Assets 2019: $17,394,809Liabilities 2019: $34,169,196Net Assets 2019: -$16,774,3872019Assets 2020: $12,172,724Liabilities 2020: $42,321,295Net Assets 2020: -$30,148,5712020Assets 2021: $8,996,871Liabilities 2021: $38,909,701Net Assets 2021: -$29,912,8302021Assets 2022: $18,546,670Liabilities 2022: $36,089,390Net Assets 2022: -$17,542,7202022Assets 2023: $26,578,978Liabilities 2023: $20,971,446Net Assets 2023: $5,607,5322023Assets 2024: $24,918,038Liabilities 2024: $19,399,022Net Assets 2024: $5,519,0162024

Highlighted filing

2013

Assets$15,778,427
Liabilities$31,741,071
Net Assets-$15,962,644
Open 2013 Filing

Operations Trend

Revenue Growth99th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$20M$10M$0-$10MRevenue 2011: $1,705,788Expenses 2011: $1,705,036Net Income 2011: $7522011Revenue 2012: $2,618,272Expenses 2012: $2,716,979Net Income 2012: -$98,7072012Revenue 2013: $6,988,802Expenses 2013: $6,615,002Net Income 2013: $373,8002013Revenue 2014: $1,678,240Expenses 2014: $9,036,464Net Income 2014: -$7,358,2242014Revenue 2015: $8,708,004Expenses 2015: $7,514,559Net Income 2015: $1,193,4452015Revenue 2016: $1,066,399Expenses 2016: $4,475,454Net Income 2016: -$3,409,0552016Revenue 2017: $9,760,197Expenses 2017: $4,426,113Net Income 2017: $5,334,0842017Revenue 2018: $7,597,528Expenses 2018: $5,203,999Net Income 2018: $2,393,5292018Revenue 2019: $8,378,177Expenses 2019: $5,351,150Net Income 2019: $3,027,0272019Revenue 2020: $1,432,098Expenses 2020: $6,767,368Net Income 2020: -$5,335,2702020Revenue 2021: $5,521,875Expenses 2021: $8,701,715Net Income 2021: -$3,179,8402021Revenue 2022: $14,989,543Expenses 2022: $5,642,014Net Income 2022: $9,347,5292022Revenue 2023: $10,357,258Expenses 2023: $3,390,039Net Income 2023: $6,967,2192023Revenue 2024: $142,278Expenses 2024: $3,037,248Net Income 2024: -$2,894,9702024

Highlighted filing

2013

Revenue$6,988,802
Expenses$6,615,002
Net Income$373,800
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 14, 2014
Return Version
2013v3.1
Gross Receipts
$6,988,802
Mission and Program Overview

Mission

Pay claims of insolvent insurance companies.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$14,895,044$15,046,844▲ $151,800
Investments in Publicly Traded Securities$369,375$336,938▼ $32,437
Cash and Non-Interest-Bearing Accounts$118,995$280,735▲ $161,740
Other Notes and Loans Receivable, Net-$24,045-
Prepaid Expenses and Deferred Charges$16,275$16,275→ $0
Land, Buildings, and Equipment, Net-$9,793-
Total Assets$15,404,627$15,778,427▲ $373,800
Other Assets Total$4,938$63,797▲ $58,859
Liabilities
Other Liabilities$10,540,556$31,741,071▲ $21,200,515
Total Liabilities$10,540,556$31,741,071▲ $21,200,515
Net Assets / Fund Balance
Unrestricted Net Assets$4,864,071$-15,962,644▼ $20,826,715
Total Net Assets Fund Balance$4,864,071$-15,962,644▼ $20,826,715
Total Liabilities and Net Assets / Fund Balance$15,404,627$15,778,427▲ $373,800

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$9,793$126,796$136,589
Compensation and Service Providers
Top Officer Pay14th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Bruce GilbertExecutive DiFT$140,974$140,974
Mark TraftonVice Chairma-$3,000$3,000
Robert ByrdChairman-$2,000$2,000
Joe HernandezDirector-$1,000$1,000

Board Members and Trustees

NameTitle
Jamie JohnsonDirector
Michael S MattochDirector
Nate HildnerDirector
Peter M CazzollaDirector
William E YockeDirector
Kurt R StemmlerSecretary/tr
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$11,281
Other Revenue
$6,977,521
Change in Net Assets
$373,800

Audited Revenue Reconciliation

Revenue per Audited Statements
$6,988,802
Total Revenue per Audited Statements
$6,988,802
Total Revenue per Form 990
$6,988,802
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,196,286
Salaries, Compensation, and Employee Benefits$418,716
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$209,042-$209,042
Current Officers, Directors, Trustees, and Key Employees-$146,974-$146,974
Occupancy-$87,403-$87,403
Information Technology-$70,300-$70,300
Insurance-$62,919-$62,919
Fees for Services Other-$40,732-$40,732
Other Employee Benefits-$36,055-$36,055
Travel-$30,369-$30,369
Payroll Taxes-$26,645-$26,645
Fees for Services Accounting-$22,424-$22,424
Other Expenses$6,119,441$7,365-$7,365
Depreciation Depletion-$1,293-$1,293
Fees for Services Legal-$732-$732
All Other Expenses-$-311,439-$-311,439
Total Functional Expenses$6,119,441$495,561$0$6,615,002

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$6,615,002
Total Expenses per Audited Statements$6,615,002
Total Expenses per Form 990$6,615,002
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
Insurance Loss Reserves$31,741,071
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
Backup withholding compliance
Yes
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
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, Page 6, Part VI, Line 11B

“The process is as follows: upon receipt of the return, the executive director and bookkeeper review the documents contained herein. They then verify figures to the best available information from the general ledger for the reporting year. They also review the answers to each of the questions. Once the information meets their approval the documents are remitted with approval for final printing. The return is then printed, signed and submitted to the irs.”

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

“During every board meeting any conflicts are discussed and recorded in the minutes of the meeting.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public.”

Filing and Contact Details

Filer

EIN
88-0134332
Phone
7023680607

Signing Officer

Name
Bruce Gilbert
Title
Executive Director
Phone
7023680607
Signed
2014-08-14

Organization Details

Voting Board Members
9
Independent Board Members
9
Employees
4

Preparer

Preparer
David L Crandall
Phone
8013131900
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in reserves 21,200,515”

Raw XML Appendix335 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
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IRS990/Form990PartVIISectionAGrp/PersonNm2JOE HERNANDEZ
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IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7SECRETARY/TR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9EXECUTIVE DI
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IRS990ScheduleD/RevenueSubtotalAmt06988802
IRS990ScheduleD/TotalBookValueLandBuildingsAmt09793
IRS990ScheduleD/TotalExpensesPerForm990Amt06615002
IRS990ScheduleD/TotalLiabilityAmt031741071
IRS990ScheduleD/TotalRevenuePerForm990Amt06988802
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt06988802
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt06615002
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE PROCESS IS AS FOLLOWS: UPON RECEIPT OF THE RETURN, THE EXECUTIVE DIRECTOR AND BOOKKEEPER REVIEW THE DOCUMENTS CONTAINED HEREIN. THEY THEN VERIFY FIGURES TO THE BEST AVAILABLE INFORMATION FROM THE GENERAL LEDGER FOR THE REPORTING YEAR. THEY ALSO REVIEW THE ANSWERS TO EACH OF THE QUESTIONS. ONCE THE INFORMATION MEETS THEIR APPROVAL THE DOCUMENTS ARE REMITTED WITH APPROVAL FOR FINAL PRINTING. THE RETURN IS THEN PRINTED, SIGNED AND SUBMITTED TO THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DURING EVERY BOARD MEETING ANY CONFLICTS ARE DISCUSSED AND RECORDED IN THE MINUTES OF THE MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO DOCUMENTS AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CHANGE IN RESERVES 21,200,515
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt015404627
IRS990/TotalAssetsEOYAmt015778427
IRS990/TotalAssetsGrp/BOYAmt015404627
IRS990/TotalAssetsGrp/EOYAmt015778427
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0495561
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt06119441
IRS990/TotalFunctionalExpensesGrp/TotalAmt06615002
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010540556
IRS990/TotalLiabilitiesEOYAmt031741071
IRS990/TotalLiabilitiesGrp/BOYAmt010540556
IRS990/TotalLiabilitiesGrp/EOYAmt031741071
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04864071
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-15962644
IRS990/TotalProgramServiceExpensesAmt06119441
IRS990/TotalReportableCompFromOrgAmt0146974
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt06988802
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt06988802
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt015404627
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt015778427
IRS990/TravelGrp/ManagementAndGeneralAmt030369
IRS990/TravelGrp/TotalAmt030369
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt04864071
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0-15962644
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0BRUCE GILBERT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum07023680607
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-08-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10NEVADA INSURANCE GUARANTY ASSOCIATI
ReturnHeader/Filer/BusinessNameControlTxt0NEVA
ReturnHeader/Filer/EIN0880134332
ReturnHeader/Filer/PhoneNum07023680607
ReturnHeader/Filer/USAddress/AddressLine103821 WEST CHARLESTON BOULEVARD
ReturnHeader/Filer/USAddress/AddressLine20ROOM/SUITE 100
ReturnHeader/Filer/USAddress/City0LAS VEGAS
ReturnHeader/Filer/USAddress/State0NV
ReturnHeader/Filer/USAddress/ZIPCode089102
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0870516083
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10LARSON & COMPANY PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine109065 SOUTH 1300 EAST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0SANDY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0UT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode084094
ReturnHeader/PreparerPersonGrp/PhoneNum08013131900
ReturnHeader/PreparerPersonGrp/PreparationDt02014-08-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DAVID L CRANDALL
ReturnHeader/ReturnTs02014-08-14T17:18:02-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$15,778,427
Liabilities
$31,741,071
Net assets
-$15,962,644
Revenue
$6,988,802
Expenses
$6,615,002
Net income
$373,800
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$24.9$19.4$5.52$0.14$3.04$2.89
2023Detailed filing. Detailed filing data is available for this year.$26.6$21.0$5.61$10.4$3.39$6.97
2022Detailed filing. Detailed filing data is available for this year.$18.5$36.1$17.5$15.0$5.64$9.35
2021Detailed filing. Detailed filing data is available for this year.$9.00$38.9$29.9$5.52$8.70$3.18
2020Detailed filing. Detailed filing data is available for this year.$12.2$42.3$30.1$1.43$6.77$5.34
2019Detailed filing. Detailed filing data is available for this year.$17.4$34.2$16.8$8.38$5.35$3.03
2018Detailed filing. Detailed filing data is available for this year.$14.0$35.4$21.4$7.60$5.20$2.39
2017Detailed filing. Detailed filing data is available for this year.$11.4$36.7$25.3$9.76$4.43$5.33
2016Detailed filing. Detailed filing data is available for this year.$6.20$22.7$16.5$1.07$4.48$3.41
2015Detailed filing. Detailed filing data is available for this year.$9.61$25.6$16.0$8.71$7.51$1.19
2014Detailed filing. Detailed filing data is available for this year.$8.42$33.9$25.5$1.68$9.04$7.36
2013Detailed filing. Detailed filing data is available for this year.$15.8$31.7$16.0$6.99$6.62$0.37
2012Summary only. Only limited summary data is available for this year.$15.4$10.5$4.86$2.62$2.72$0.10
2011Summary only. Only limited summary data is available for this year.$15.6$8.66$6.95$1.71$1.71$0.00
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)6 • $10M-$25M nonprofits