Civic Intelligence

River Valley Credit Union

990 • Fiscal year 2020 • EIN 03-0196668

Jan 01, 2020 to Oct 31, 2020 • Filed on Apr 15, 2021

Organization Profilewww.rivercu.com

View Organization Page

PO Box 8366Brattleboro, VT 05304

(802) 254-4800

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on this filing.

Source year 2020

Liabilities / Revenue

2nd percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2020

Net Margin

51st percentile

6.9%

Higher net margin than 51% of similar nonprofits.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2020

Top Officer Pay

99th percentile

$235,520

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 3.4% of source-year revenue.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2020

Asset Growth

1st percentile

-100%

Faster asset growth than 1% of similar nonprofits.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2019 to 2020

Revenue Growth

4th percentile

-24%

Faster revenue growth than 4% of similar nonprofits.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $123,946,235 (-100%) from 2019

Net Assets

Down

$0

Down $11,301,446 (-100%) from 2019

Liabilities

Down

$0

Down $112,644,789 (-100%) from 2019

Revenue And Expenses
Liabilities / Revenue2nd percentileNet Margin51st percentile

Revenue

Down

$6,994,166

Down $2,181,600 (-24%) from 2019

Expenses

Down

$6,514,723

Down $1,133,875 (-15%) from 2019

Net Income

Down

$479,443

Down $1,047,725 (-69%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth1st percentile

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

$150M$100M$50M$0Assets 2010: $60,665,556Liabilities 2010: $56,246,663Net Assets 2010: $4,418,8932010Assets 2011: $66,376,214Liabilities 2011: $61,661,940Net Assets 2011: $4,714,2742011Assets 2012: $71,602,775Liabilities 2012: $66,450,532Net Assets 2012: $5,152,2432012Assets 2013: $73,692,962Liabilities 2013: $68,045,579Net Assets 2013: $5,647,3832013Assets 2014: $84,893,193Liabilities 2014: $78,825,218Net Assets 2014: $6,067,9752014Assets 2015: $90,429,024Liabilities 2015: $83,678,742Net Assets 2015: $6,750,2822015Assets 2016: $95,673,079Liabilities 2016: $88,505,992Net Assets 2016: $7,167,0872016Assets 2017: $107,155,522Liabilities 2017: $99,064,983Net Assets 2017: $8,090,5392017Assets 2018: $115,235,995Liabilities 2018: $105,469,067Net Assets 2018: $9,766,9282018Assets 2019: $123,946,235Liabilities 2019: $112,644,789Net Assets 2019: $11,301,4462019Assets 2020: $0Liabilities 2020: $0Net Assets 2020: $02020

Highlighted filing

2020

Assets$0
Liabilities$0
Net Assets$0
Open 2020 Filing

Operations Trend

Revenue Growth4th percentile

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

$10M$5.0M$0Expenses 2010: $4,625,5052010Expenses 2011: $4,762,2632011Expenses 2012: $4,909,2282012Revenue 2013: $5,529,411Expenses 2013: $5,034,271Net Income 2013: $495,1402013Revenue 2014: $5,853,307Expenses 2014: $5,432,715Net Income 2014: $420,5922014Revenue 2015: $6,201,603Expenses 2015: $5,519,296Net Income 2015: $682,3072015Revenue 2016: $6,579,729Expenses 2016: $6,162,924Net Income 2016: $416,8052016Revenue 2017: $7,276,482Expenses 2017: $6,353,030Net Income 2017: $923,4522017Revenue 2018: $8,413,182Expenses 2018: $6,733,173Net Income 2018: $1,680,0092018Revenue 2019: $9,175,766Expenses 2019: $7,648,598Net Income 2019: $1,527,1682019Revenue 2020: $6,994,166Expenses 2020: $6,514,723Net Income 2020: $479,4432020

Highlighted filing

2020

Revenue$6,994,166
Expenses$6,514,723
Net Income$479,443
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Oct 31, 2020
Signed
Apr 15, 2021
Return Version
2020v4.0
Gross Receipts
$7,042,292
Mission and Program Overview

Mission

To operate a state chartered credit union to provide loan and deposit services for the benefit of its members.

Operate a State Chartered Credit Union for the benefit of members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$108,564,971$0▼ $108,564,971
Rtn Earn Endowment Incm Other Fnds$11,301,446$0▼ $11,301,446
Savings and Temporary Cash Investments$5,429,698$0▼ $5,429,698
Cash and Non-Interest-Bearing Accounts$4,241,289$0▼ $4,241,289
Land, Buildings, and Equipment, Net$3,816,738$0▼ $3,816,738
Prepaid Expenses and Deferred Charges$343,598$0▼ $343,598
Accounts Receivable$15,344$0▼ $15,344
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$123,946,235$0▼ $123,946,235
Other Assets Total$1,534,597$0▼ $1,534,597
Liabilities
Other Liabilities$112,241,856--
Accounts Payable and Accrued Expenses$402,933$0▼ $402,933
Total Liabilities$112,644,789$0▼ $112,644,789
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,301,446$0▼ $11,301,446
Total Liabilities and Net Assets / Fund Balance$123,946,235$0▼ $123,946,235
Compensation and Service Providers
Top Officer Pay99th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jeffrey MorseCEO/PresidentFT$168,077$67,443$235,520
Jill FortierCFOFT$91,354$5,555$96,909
Ethan GrimesVP Mortgage LendingFT$73,368$9,066$82,434
Laura PaiceVP Consumer LendingFT$56,567$8,402$64,969

Board Members and Trustees

NameTitle
Michael CooneyChairperson
Deborah CarpenterVice Chair
James ValenteDirector
Richard CarrollDirector
Robert KendallDirector
Samantha BovaDirector
Robin SweetappleSecretary
Adam WaiteSupervisory
George AnthesSupervisory
Michael RogersTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
GPI Constuction INCConstruction436 Canal Street, Brattleboro, VT 05301$661,686
Ims INCStatement Service245 Commerce BLVD, Liverpool, NY 13088$122,718
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,164,880
Investment Income
$42,055
Other Revenue
$1,787,231
Change in Net Assets
$479,443
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$3,999,533
Other Expenses$2,117,926
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,608,113
Other Employee Benefits---$566,381
Benefits to Members---$397,264
Current Officers, Directors, Trustees, and Key Employees---$389,365
Office Expenses---$372,500
Occupancy---$285,069
Pension Plan Contributions---$272,850
Other Expenses---$214,189
Depreciation Depletion---$168,993
Payroll Taxes---$162,824
Advertising---$50,962
Travel---$28,242
Interest---$2,794
Fees for Services Legal---$931
Conferences and Meetings---$-6,894
Total Functional Expenses$0$0$0$6,514,723
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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

“Entity is a Credit Union with 17,985 members.”

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

“The members of RVCU elect at least one member of the Board of Directors.”

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

“Entity wide decisions including election of officers, merger and acquisition, and changes to by-laws or governing documents would require membership approval.”

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

“The 990 is reviewed by the CEO and VP of Accounting prior to filing. Filing is reported to the Board of Directors and made available to review.”

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

“Related party questionnaires are completed by directors annually to determine any conflicting interests.”

Form 990, Part VI, Section B, Line 15

“CEO compensation is reviewed and approved by a compensation committee of the Board of Directors. Officer compensation is initiated and approved by the CEO and considered by the Board in annual budget reporting.”

Form 990, Part VI, Section C, Line 19

“RVCU makes its documents available upon request to the public with the exception of the Financial Statements which are posted in each Branch lobby.”

Filing and Contact Details

Filer

Filer Name
River Valley Credit Union
EIN
03-0196668
Phone
8022544800
Address
PO Box 8366, Brattleboro, VT 05304

Signing Officer

Name
Jill Elaine Fortier
Title
Chief Financial Officer
Phone
8022513703
Signed
2021-04-15

Organization Details

Principal Officer
Jeffrey Morse
Formed
1946
Legal Domicile
Vt
Voting Board Members
8
Independent Board Members
8
Employees
63
Volunteers
0
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 3

“River Valley Credit Union merged with Members Advantage Credit Union on November 1, 2020 River Valley's EIN# dissolved.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt2VP Mortgage Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt3VP Consumer Lending
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IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0277520
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt061467
IRS990/MissionDesc0To operate a State Chartered Credit Union to provide loan and deposit services for the benefit of its members.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt011301446
IRS990/NetAssetsOrFundBalancesEOYAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-16916
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt0-16916
IRS990/NetUnrelatedBusTxblIncmAmt0-89022
IRS990/NetUnrlzdGainsLossesInvstAmt0-11780889
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0285069
IRS990/OfficeExpensesGrp/TotalAmt0372500
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01534597
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0566381
IRS990/OtherExpensesGrp/Desc0Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc1Debit & Credit Card Fees
IRS990/OtherExpensesGrp/Desc2Intercept Service ATM
IRS990/OtherExpensesGrp/TotalAmt0667500
IRS990/OtherExpensesGrp/TotalAmt1333640
IRS990/OtherExpensesGrp/TotalAmt2214189
IRS990/OtherLiabilitiesGrp/BOYAmt0112241856
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0Service Fees
IRS990/OtherRevenueMiscGrp/Desc1Card Processing
IRS990/OtherRevenueMiscGrp/Desc2NSF And Overdraft Fees
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/ExclusionAmt20
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt077629
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1724499
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2724499
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt077629
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1724499
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2724499
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt20
IRS990/OtherRevenueTotalAmt01804147
IRS990/OtherSalariesAndWagesGrp/TotalAmt02608113
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0108564971
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0162824
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0272850
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0343598
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Jeffrey Morse
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05164880
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05164880
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0383790
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0103110
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt03450238
IRS990/PYOtherRevenueAmt02494184
IRS990/PYProgramServiceRevenueAmt06578472
IRS990/PYRevenuesLessExpensesAmt01527168
IRS990/PYSalariesCompEmpBnftPaidAmt03814570
IRS990/PYTotalExpensesAmt07648598
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt09175766
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0479443
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt0-16916
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt01787231
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt011301446
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05429698
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0168077
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt061330
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt06113
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Jeffrey Morse
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO/President
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0235520
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0Jeffrey Morse CEO/President 457(F) Deferred Compensation of $54,500
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule J, Part I, Line 4
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleN/AssetsDistributedInd01
IRS990ScheduleN/BondsOutstandingInd00
IRS990ScheduleN/DirectorOfSuccessorInd00
IRS990ScheduleN/EmployeeOfSuccessorInd01
IRS990ScheduleN/LiabilitiesPaidInd01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0All assets, employees, members merged into Members Advantage Community Credit Union
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0Members Advantage Community Credit Union
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02020-11-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0036005430
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt0157028643
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0Assets were transferred to Members Advantage Community Credit Union.
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt0PO Box 745 265 South Main Street
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0Barre

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$6,994,166
Expenses
$6,514,723
Net income
$479,443
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$6.99$6.51$0.48
2019Detailed filing. Detailed filing data is available for this year.$124$113$11.3$9.18$7.65$1.53
2018Detailed filing. Detailed filing data is available for this year.$115$105$9.77$8.41$6.73$1.68
2017Detailed filing. Detailed filing data is available for this year.$107$99.1$8.09$7.28$6.35$0.92
2016Detailed filing. Detailed filing data is available for this year.$95.7$88.5$7.17$6.58$6.16$0.42
2015Detailed filing. Detailed filing data is available for this year.$90.4$83.7$6.75$6.20$5.52$0.68
2014Detailed filing. Detailed filing data is available for this year.$84.9$78.8$6.07$5.85$5.43$0.42
2013Detailed filing. Detailed filing data is available for this year.$73.7$68.0$5.65$5.53$5.03$0.50
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$71.6$66.5$5.15$4.91
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$66.4$61.7$4.71$4.76
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$60.7$56.2$4.42$4.63