Civic Intelligence

Light Commerce Credit Union

990 • Fiscal year 2013 • EIN 03-0505731

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 02, 2014

Organization ProfileWWW.LIGHTCOMMERCECU.ORG
11233 Crown Park DriveHouston, TX 77067

(281) 876-7576

Siviq Scores

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

Liabilities / Assets

47th percentile

0.83x

Higher debt load relative to assets than 47% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

20th percentile

10.68x

Higher debt load relative to revenue than 20% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

93rd percentile

27%

Higher net margin than 93% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

20th percentile

$0

Higher top officer pay than 20% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

96th percentile

19%

Faster asset growth than 96% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

18th percentile

-16%

Faster revenue growth than 18% of similar nonprofits.

2013 filings • $1M-$5M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets47th percentile

Assets

Up

$2,780,059

Up $434,664 (+19%) from 2012

Net Assets

Up

$467,713

Up $59,079 (+14%) from 2012

Liabilities

Up

$2,312,346

Up $375,585 (+19%) from 2012

Revenue And Expenses
Liabilities / Revenue20th percentileNet Margin93rd percentile

Revenue

Down

$216,521

Down $41,210 (-16%) from 2012

Expenses

Down

$157,442

Down $11,350 (-6.7%) from 2012

Net Income

Down

$59,079

Down $29,860 (-34%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth96th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $2,323,064Liabilities 2010: $2,110,025Net Assets 2010: $213,0392010Assets 2011: $3,022,205Liabilities 2011: $2,702,510Net Assets 2011: $319,6952011Assets 2012: $2,345,395Liabilities 2012: $1,936,761Net Assets 2012: $408,6342012Assets 2013: $2,780,059Liabilities 2013: $2,312,346Net Assets 2013: $467,7132013Assets 2014: $2,570,447Liabilities 2014: $2,051,870Net Assets 2014: $518,5772014Assets 2015: $2,533,397Liabilities 2015: $1,993,124Net Assets 2015: $540,2732015Assets 2016: $2,826,535Liabilities 2016: $2,298,053Net Assets 2016: $528,4822016Assets 2017: $2,659,448Liabilities 2017: $2,118,011Net Assets 2017: $541,4372017Assets 2018: $2,854,006Liabilities 2018: $2,336,214Net Assets 2018: $517,7922018Assets 2019: $2,784,916Liabilities 2019: $2,193,143Net Assets 2019: $591,7732019Assets 2020: $3,870,513Liabilities 2020: $3,193,616Net Assets 2020: $676,8972020Assets 2021: $4,269,308Liabilities 2021: $3,457,079Net Assets 2021: $812,2292021Assets 2022: $4,360,265Liabilities 2022: $3,505,006Net Assets 2022: $855,2592022Assets 2023: $4,849,410Liabilities 2023: $3,878,504Net Assets 2023: $970,9062023Assets 2024: $4,923,056Liabilities 2024: $3,835,023Net Assets 2024: $1,088,0332024

Highlighted filing

2013

Assets$2,780,059
Liabilities$2,312,346
Net Assets$467,713
Open 2013 Filing

Operations Trend

Revenue Growth18th percentile

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

$400K$300K$200K$100K$0-$100KExpenses 2010: $169,6062010Expenses 2011: $161,5762011Revenue 2012: $257,731Expenses 2012: $168,792Net Income 2012: $88,9392012Revenue 2013: $216,521Expenses 2013: $157,442Net Income 2013: $59,0792013Revenue 2014: $173,586Expenses 2014: $122,722Net Income 2014: $50,8642014Revenue 2015: $164,806Expenses 2015: $143,110Net Income 2015: $21,6962015Revenue 2016: $166,460Expenses 2016: $157,049Net Income 2016: $9,4112016Revenue 2017: $165,153Expenses 2017: $152,198Net Income 2017: $12,9552017Revenue 2018: $192,108Expenses 2018: $215,753Net Income 2018: -$23,6452018Revenue 2019: $323,976Expenses 2019: $122,286Net Income 2019: $201,6902019Revenue 2020: $331,199Expenses 2020: $121,077Net Income 2020: $210,1222020Revenue 2021: $59,389Expenses 2021: $30,442Net Income 2021: $28,9472021Revenue 2022: $230,108Expenses 2022: $158,129Net Income 2022: $71,9792022Revenue 2023: $288,402Expenses 2023: $172,756Net Income 2023: $115,6462023Revenue 2024: $314,252Expenses 2024: $197,125Net Income 2024: $117,1272024

Highlighted filing

2013

Revenue$216,521
Expenses$157,442
Net Income$59,079
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 2, 2014
Return Version
2013v3.1
Gross Receipts
$216,521
Mission and Program Overview

Mission

Provide highest level of customer service. Emphasis on being responsive to member needs. Encourage better quality of life for our members producing a better quality cu through member education and competitive products.

Provide highest level of customer service. Emphasis on being responsive to member needs. Encourage better quality of life for our members producing a better quality cu thru member education and competitive products.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,041,487$1,921,322▼ $120,165
Cash and Non-Interest-Bearing Accounts$215,546$545,093▲ $329,547
Rtn Earn Endowment Incm Other Fnds$408,634$467,713▲ $59,079
Investments Program Related$81,339$307,630▲ $226,291
Prepaid Expenses and Deferred Charges$346$400▲ $54
Total Assets$2,345,395$2,780,059▲ $434,664
Other Assets Total$6,677$5,614▼ $1,063
Liabilities
Other Liabilities$1,935,284$2,310,768▲ $375,484
Accounts Payable and Accrued Expenses$1,477$1,578▲ $101
Total Liabilities$1,936,761$2,312,346▲ $375,585
Net Assets / Fund Balance
Total Net Assets Fund Balance$408,634$467,713▲ $59,079
Total Liabilities and Net Assets / Fund Balance$2,345,395$2,780,059▲ $434,664

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$500--
Compensation and Service Providers
Top Officer Pay20th percentile

Board Members and Trustees

NameTitle
Dr Ira Van HilliardChairman
Dr Bridget HilliardVice-chairma
Irishea HilliardDirector
Malachi S JohnsonSecretary
Harlene B JohnsonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$207,329
Investment Income
$900
Other Revenue
$8,292
Change in Net Assets
$59,079
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$117,135
Salaries, Compensation, and Employee Benefits$30,000
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$65,978
Other Salaries and Wages---$30,000
Fees for Services Other---$22,915
Benefits to Members---$10,307
Insurance---$8,138
Conferences and Meetings---$3,934
Advertising---$2,442
Other Expenses---$285
Total Functional Expenses$0$0$0$157,442
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
Member Shares/deposits$2,310,768
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
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
No
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 2

“Ira v. Hilliard bridget e. Hilliard chairman vice-chairma family harlene b. Johnson malachi johnson mgr/ceo secretary family”

Form 990, Page 6, Part VI, Line 6

“Light commerce is a state chartered credit union comprised of owner/members belongingl to a common field of membership and who have paid into their share accounts a minimum authorized membership fee.”

Form 990, Page 6, Part VI, Line 7A

“Members hold annual meetins at which time the members present elect open positions for the board of directors. Election is run by the nominating committee who normally screen any members running for these open board positions.”

Form 990, Page 6, Part VI, Line 11B

“A copy of form 990 is provided to each board member for review. After review and discussion, the form is approved for remittance to the irs and such action is recorded in the board minutes.”

Form 990, Page 6, Part VI, Line 19

“The credit union posts its financial statements in the credit union lobby for members to review. The governance documents are available in the credit union office for review upon request.”

Filing and Contact Details

Filer

EIN
03-0505731
Phone
2818767576

Signing Officer

Name
Harlene Johnson
Title
Manager/CEO
Phone
2818767576
Signed
2014-03-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Harlene Johnson
Formed
2004
Legal Domicile
TX
Voting Board Members
5
Independent Board Members
5
Employees
0

Preparer

Preparer
Angel R Lema CPA
Phone
2102124822
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“22,915 0 0”

Raw XML Appendix357 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/TitleTxt4DIRECTOR
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0IRA V. HILLIARD BRIDGET E. HILLIARD CHAIRMAN VICE-CHAIRMA FAMILY HARLENE B. JOHNSON MALACHI JOHNSON MGR/CEO SECRETARY FAMILY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1LIGHT COMMERCE IS A STATE CHARTERED CREDIT UNION COMPRISED OF OWNER/MEMBERS BELONGINGL TO A COMMON FIELD OF MEMBERSHIP AND WHO HAVE PAID INTO THEIR SHARE ACCOUNTS A MINIMUM AUTHORIZED MEMBERSHIP FEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS HOLD ANNUAL MEETINS AT WHICH TIME THE MEMBERS PRESENT ELECT OPEN POSITIONS FOR THE BOARD OF DIRECTORS. ELECTION IS RUN BY THE NOMINATING COMMITTEE WHO NORMALLY SCREEN ANY MEMBERS RUNNING FOR THESE OPEN BOARD POSITIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COPY OF FORM 990 IS PROVIDED TO EACH BOARD MEMBER FOR REVIEW. AFTER REVIEW AND DISCUSSION, THE FORM IS APPROVED FOR REMITTANCE TO THE IRS AND SUCH ACTION IS RECORDED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION POSTS ITS FINANCIAL STATEMENTS IN THE CREDIT UNION LOBBY FOR MEMBERS TO REVIEW. THE GOVERNANCE DOCUMENTS ARE AVAILABLE IN THE CREDIT UNION OFFICE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt522,915 0 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART IX, LINE 11G
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IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd0false
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd0false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine10NEW LIGHT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine10NEW LIGHT CHURCH
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0760198056
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501 C
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0TX
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0CHURCH
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt01
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1011233 CROWN PARK DRIVE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/City0HOUSTON
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/State0TX
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCode077067
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd0false
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd0false
IRS990ScheduleR/PaidEmployeesSharingInd0true
IRS990ScheduleR/PerformOfServicesByOtherOrgInd0false
IRS990ScheduleR/PerformOfServicesForOthOrgInd0false
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd0false
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd0false
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0true
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd0false
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd0false
IRS990ScheduleR/SharingOfFacilitiesInd0true
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt06000
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt130000
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt26000
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0COST
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt1COST
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt2COST
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine10NEW LIGHT CHRISTIAN CENTER CHURCH
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine11NEW LIGHT CHRISTIAN CENTER CHURCH
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine12NEW LIGHT CHRISTIAN CENTER CHURCH
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0N
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt1O
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt2P
IRS990ScheduleR/TransferFromOtherOrgInd0false
IRS990ScheduleR/TransferToOtherOrgInd0false
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt02345395
IRS990/TotalAssetsEOYAmt02780059
IRS990/TotalAssetsGrp/BOYAmt02345395
IRS990/TotalAssetsGrp/EOYAmt02780059
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0157442
IRS990/TotalGrossUBIAmt08292
IRS990/TotalLiabilitiesBOYAmt01936761
IRS990/TotalLiabilitiesEOYAmt02312346
IRS990/TotalLiabilitiesGrp/BOYAmt01936761
IRS990/TotalLiabilitiesGrp/EOYAmt02312346
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0408634
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0467713
IRS990/TotalProgramServiceExpensesAmt0157442
IRS990/TotalProgramServiceRevenueAmt0207329
IRS990/TotalRevenueGrp/ExclusionAmt0900
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0207329
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0216521
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt08292
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02345395
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02780059
IRS990/TransactionWithControlEntInd0true
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/USAddress/AddressLine1011233 CROWN PARK DRIVE
IRS990/USAddress/City0HOUSTON
IRS990/USAddress/State0TX
IRS990/USAddress/ZIPCode077067
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.LIGHTCOMMERCECU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0HARLENE JOHNSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02818767576
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-03-02
ReturnHeader/Filer/BusinessName/BusinessNameLine10LIGHT COMMERCE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0LIGH
ReturnHeader/Filer/EIN0030505731
ReturnHeader/Filer/PhoneNum02818767576
ReturnHeader/Filer/USAddress/AddressLine1011233 CROWN PARK DRIVE
ReturnHeader/Filer/USAddress/City0HOUSTON
ReturnHeader/Filer/USAddress/State0TX
ReturnHeader/Filer/USAddress/ZIPCode077067
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10LEMA & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10610 E MARKET ST STE 2906
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0SAN ANTONIO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0782052680
ReturnHeader/PreparerPersonGrp/PhoneNum02102124822
ReturnHeader/PreparerPersonGrp/PreparationDt02014-03-02
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ANGEL R LEMA CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02014-03-02T14:02:52-06:00
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
$2,780,059
Liabilities
$2,312,346
Net assets
$467,713
Revenue
$216,521
Expenses
$157,442
Net income
$59,079
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.92$3.84$1.09$0.31$0.20$0.12
2023Detailed filing. Detailed filing data is available for this year.$4.85$3.88$0.97$0.29$0.17$0.12
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.36$3.51$0.86$0.23$0.16$0.07
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$4.27$3.46$0.81$0.06$0.03$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.87$3.19$0.68$0.33$0.12$0.21
2019Detailed filing. Detailed filing data is available for this year.$2.78$2.19$0.59$0.32$0.12$0.20
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.85$2.34$0.52$0.19$0.22$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.66$2.12$0.54$0.17$0.15$0.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.83$2.30$0.53$0.17$0.16$0.01
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.53$1.99$0.54$0.16$0.14$0.02
2014Detailed filing. Detailed filing data is available for this year.$2.57$2.05$0.52$0.17$0.12$0.05
2013Detailed filing. Detailed filing data is available for this year.$2.78$2.31$0.47$0.22$0.16$0.06
2012Summary only. Only limited summary data is available for this year.$2.35$1.94$0.41$0.26$0.17$0.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.02$2.70$0.32$0.16
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.32$2.11$0.21$0.17