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2,5322,532
NDIRF MembershipNDIRF Membership1986 - 20141986 - 2014
0
300
600
900
1200
1500
1800
2100
2400
2700
SchoolsSchools
OtherOther
CityCity
CountyCounty16%
21%
34%
29%
2014 MEMBERS’ PREMIUM 2014 MEMBERS’ PREMIUM DISTRIBUTIONDISTRIBUTION
Loss & Expenses Net Income
(in thousands)
29-Year Revenues29-Year Revenues
2,2672,267
13,32113,321
40,49040,490
20,90320,903
(in (in thousands)thousands)
29-Year Balance Sheet29-Year Balance Sheet
Equity Liabilities
(in thousands)(in thousands)
Net Written PremiumNet Written Premium
10,488 10,79811,101 11,610 12,195
0
2,000
4,000
6,000
8,000
10,000
12,000
14,000
2010 2011 2012 2013 2014
(in thousands)(in thousands) LossesLosses
Loss ReservesLoss Reserves
5,0006,0007,0008,0009,000
10,00011,00012,00013,00014,00015,000
2010 2011 2012 2013 2014
Total
(in thousands)
46.1
59.753.4 51.5 53.2
0
10
20
30
40
50
60
70
2010 2011 2012 2013 2014
Total
Loss RatiosLoss Ratios
Net EarningsNet Earnings
0
1,000
2,000
3,000
4,000
5,000
2010 2011 2012 2013 2014
2,736
4,274
1,762 1,743 2,267
(in thousands)(in thousands)
(in (in thousands)thousands)
Member’s EquityMember’s Equity
56,093 58,07760,190
61,775 63,216
25,000
30,000
35,000
40,000
45,000
50,000
55,000
60,000
65,000
2010 2011 2012 2013 2014
((in thousands)in thousands)
0
5,000
10,000
15,000
20,000
25,000
30,000
2010 Ratio54%
2011 Ratio56%
2012 Ratio56%
2013 Ratio58%
2014 Ratio59%
Premium Surplus
Direct Premium to Surplus RatioDirect Premium to Surplus RatioNAIC: Insurance Regulatory Information System NAIC: Insurance Regulatory Information System
<300%<300%
Liabilities to Liquid Assets RatioLiabilities to Liquid Assets RatioNAIC: Insurance Regulatory Information SystemNAIC: Insurance Regulatory Information System
<105%<105%
Two-Year Operating RatioTwo-Year Operating RatioCombination of expenses, loss, and invest ratiosCombination of expenses, loss, and invest ratios
<100%<100%
Combined Trade RatioCombined Trade Ratio<96% Expenses & Losses<96% Expenses & Losses
InvestmentInvestment Yield RatioYield Ratio
FIXED INCOME RATINGSFIXED INCOME RATINGS Average Rating AA/AAverage Rating AA/A
AAA
AA
Below BBB
A
BBB
