Civic Intelligence

Commonwealth Utilities Employees Credit Union

990 • Fiscal year 2020 • EIN 04-6055566

Jan 01, 2020 to Dec 31, 2020 • Filed on Nov 08, 2021

312 Wareham RoadMarion, MA 02738

(508) 748-3452

Siviq Scores

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

Liabilities / Assets

24th percentile

0.85x

Higher debt load relative to assets than 24% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Liabilities / Revenue

94th percentile

31.96x

Higher debt load relative to revenue than 94% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Net Margin

74th percentile

15%

Higher net margin than 74% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Top Officer Pay

90th percentile

$155,317

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 12.6% of source-year revenue.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Asset Growth

39th percentile

12%

Faster asset growth than 39% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2019 to 2020

Revenue Growth

31st percentile

-8.7%

Faster revenue growth than 31% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2019 to 2020

Assets

Up

$46,574,108

Up $5,110,539 (+12%) from 2019

Net Assets

Up

$7,069,444

Up $156,762 (+2.3%) from 2019

Liabilities

Up

$39,504,664

Up $4,953,777 (+14%) from 2019

Revenue

Down

$1,235,977

Down $117,519 (-8.7%) from 2019

Expenses

Down

$1,046,856

Down $29,230 (-2.7%) from 2019

Net Income

Down

$189,121

Down $88,289 (-32%) from 2019

Historical Trend

Balance Sheet Trend

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

$60M$40M$20M$0Assets 2010: $42,288,462Liabilities 2010: $36,845,669Net Assets 2010: $5,442,7932010Assets 2011: $43,114,724Liabilities 2011: $37,440,898Net Assets 2011: $5,673,8262011Assets 2012: $43,763,110Liabilities 2012: $37,835,973Net Assets 2012: $5,927,1372012Assets 2013: $44,258,091Liabilities 2013: $38,292,785Net Assets 2013: $5,965,3062013Assets 2014: $42,093,491Liabilities 2014: $36,218,929Net Assets 2014: $5,874,5622014Assets 2015: $41,308,850Liabilities 2015: $35,348,603Net Assets 2015: $5,960,2472015Assets 2016: $41,593,305Liabilities 2016: $35,466,052Net Assets 2016: $6,127,2532016Assets 2017: $41,323,572Liabilities 2017: $34,955,134Net Assets 2017: $6,368,4382017Assets 2018: $40,213,112Liabilities 2018: $33,581,823Net Assets 2018: $6,631,2892018Assets 2019: $41,463,569Liabilities 2019: $34,550,887Net Assets 2019: $6,912,6822019Assets 2020: $46,574,108Liabilities 2020: $39,504,664Net Assets 2020: $7,069,4442020Assets 2021: $49,419,083Liabilities 2021: $42,206,153Net Assets 2021: $7,212,9302021Assets 2022: $50,936,191Liabilities 2022: $43,359,682Net Assets 2022: $7,576,5092022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2020

Assets$46,574,108
Liabilities$39,504,664
Net Assets$7,069,444

Operations Trend

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,744,7142010Expenses 2011: $1,659,6792011Revenue 2012: $1,546,984Expenses 2012: $1,315,001Net Income 2012: $231,9832012Revenue 2013: $1,304,034Expenses 2013: $1,208,759Net Income 2013: $95,2752013Revenue 2014: $1,204,988Expenses 2014: $1,271,577Net Income 2014: -$66,5892014Revenue 2015: $1,166,002Expenses 2015: $1,060,103Net Income 2015: $105,8992015Revenue 2016: $1,165,800Expenses 2016: $996,238Net Income 2016: $169,5622016Revenue 2017: $1,192,557Expenses 2017: $950,088Net Income 2017: $242,4692017Revenue 2018: $1,307,566Expenses 2018: $1,048,221Net Income 2018: $259,3452018Revenue 2019: $1,353,496Expenses 2019: $1,076,086Net Income 2019: $277,4102019Revenue 2020: $1,235,977Expenses 2020: $1,046,856Net Income 2020: $189,1212020Revenue 2021: $1,081,315Expenses 2021: $904,194Net Income 2021: $177,1212021Revenue 2022: $1,281,875Expenses 2022: $883,123Net Income 2022: $398,7522022Revenue 2023: $407,509Expenses 2023: $223,820Net Income 2023: $183,6892023

Highlighted filing

2020

Revenue$1,235,977
Expenses$1,046,856
Net Income$189,121
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 8, 2021
Return Version
2020v4.0
Gross Receipts
$1,235,977
Mission and Program Overview

Mission

Financial services to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$26,481,000$21,869,000▼ $4,612,000
Other Notes and Loans Receivable, Net$10,711,325$10,396,399▼ $314,926
Cash and Non-Interest-Bearing Accounts$1,818,747$8,657,643▲ $6,838,896
Rtn Earn Endowment Incm Other Fnds$6,912,682$7,069,444▲ $156,762
Investments in Publicly Traded Securities$1,899,710$5,124,862▲ $3,225,152
Prepaid Expenses and Deferred Charges$37,380$53,213▲ $15,833
Land, Buildings, and Equipment, Net$31,890$21,100▼ $10,790
Total Assets$41,463,569$46,574,108▲ $5,110,539
Other Assets Total$483,517$451,891▼ $31,626
Liabilities
Other Liabilities$34,384,386$39,163,900▲ $4,779,514
Accounts Payable and Accrued Expenses$145,889$308,023▲ $162,134
Escrow Account Liability$20,612$32,741▲ $12,129
Total Liabilities$34,550,887$39,504,664▲ $4,953,777
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,912,682$7,069,444▲ $156,762
Total Liabilities and Net Assets / Fund Balance$41,463,569$46,574,108▲ $5,110,539

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$21,100$135,522$156,622
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Pat SaladinoCEOFT$122,040$33,277$155,317
Gloria CamaraDirector-$92,220$11,180$103,400

Board Members and Trustees

NameTitle
Peter MccoyChairperson
Barbara MoreiraDirector
Lisa SheaDirector
Sarah OliverDirector
Brenda S Mahoney2nd Vice CHA
Vivian J MedeirosClerk
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$555,565
Investment Income
$551,709
Other Revenue
$128,703
Change in Net Assets
$189,121

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,235,977
Total Revenue per Audited Statements
$1,235,977
Total Revenue per Form 990
$1,235,977
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$622,585
Salaries, Compensation, and Employee Benefits$422,771
Grants and Similar Amounts Paid$1,500
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$258,717
Interest---$178,648
Other Salaries and Wages---$114,705
Occupancy---$69,190
Information Technology---$47,971
Office Expenses---$37,821
All Other Expenses---$33,694
Payroll Taxes---$33,054
Insurance---$20,827
Other Expenses---$19,219
Depreciation Depletion---$14,549
Other Employee Benefits---$10,691
Pension Plan Contributions---$5,604
Fees for Services Legal---$1,953
Grants to Domestic Individuals---$1,500
Advertising---$1,102
Conferences and Meetings---$23
Total Functional Expenses$0$0$0$1,046,856

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,046,856
Total Expenses per Audited Statements$1,046,856
Total Expenses per Form 990$1,046,856
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 Deposit Accounts$39,163,900
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
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 6

Persons who meet the requirements of the organization's field of membership who hold at least one share of the capital.

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

Each member has a vote at the election of the board of directors.

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

An outside firm prepares the return. The ceo reviews for accurancy. The return is then presented to the board.

Form 990, Page 6, Part VI, Line 15A

Personnel committee reviews compensation in comparison to the industry (cuna salary survey) and the board approves salaries.

Form 990, Page 6, Part VI, Line 15B

Personnel committee reviews compensation in comparison to the industry (cuna salary survey) and the board approves salaries.

Form 990, Page 6, Part VI, Line 18

Documents are available upon request. Financial statements are posted in the lobby of the credit union.

Form 990, Page 6, Part VI, Line 19

Documents are available upon request. Financial statements are posted in the lobby of the credit union.

Filing and Contact Details

Filer

Filer Name
Commonwealth Utilities Employees
EIN
04-6055566
Phone
5087483452
Address
312 WAREHAM ROAD, MARION, MA 02738

Signing Officer

Name
Peter Mccoy
Title
Chairperson
Phone
5087483452
Signed
2021-11-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Peter Mccoy
Formed
1926
Legal Domicile
Ma
Voting Board Members
8
Independent Board Members
6
Employees
6
Volunteers
6

Preparer

Firm
Garvey Steele & Bancroft Llp
Address
PO BOX 397, MYSTIC, CT 06355-0397
Preparer
Michael R Garvey CPA
Phone
8605369831
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

Awarding of scholarships to deserving students

Form 990, Part XI, Line 9

Payment of patronage dividends -32,359

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

Mortgage escrow accounts held for the payment of real estate taxes for municipalities.

Raw XML Appendix365 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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IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0156622
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt039163900
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/RevenueSubtotalAmt01235977
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MORTGAGE ESCROW ACCOUNTS HELD FOR THE PAYMENT OF REAL ESTATE TAXES FOR MUNICIPALITIES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt021100
IRS990ScheduleD/TotalExpensesPerForm990Amt01046856
IRS990ScheduleD/TotalLiabilityAmt039163900
IRS990ScheduleD/TotalRevenuePerForm990Amt01235977
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01235977
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01046856
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0122040
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount01500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt08543
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt023234
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0PAT SALADINO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0155317
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0AWARDING OF SCHOLARSHIPS TO DESERVING STUDENTS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PERSONS WHO MEET THE REQUIREMENTS OF THE ORGANIZATION'S FIELD OF MEMBERSHIP WHO HOLD AT LEAST ONE SHARE OF THE CAPITAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EACH MEMBER HAS A VOTE AT THE ELECTION OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3AN OUTSIDE FIRM PREPARES THE RETURN. THE CEO REVIEWS FOR ACCURANCY. THE RETURN IS THEN PRESENTED TO THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4PERSONNEL COMMITTEE REVIEWS COMPENSATION IN COMPARISON TO THE INDUSTRY (CUNA SALARY SURVEY) AND THE BOARD APPROVES SALARIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PERSONNEL COMMITTEE REVIEWS COMPENSATION IN COMPARISON TO THE INDUSTRY (CUNA SALARY SURVEY) AND THE BOARD APPROVES SALARIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DOCUMENTS ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7DOCUMENTS ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8PAYMENT OF PATRONAGE DIVIDENDS -32,359
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
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 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt041463569
IRS990/TotalAssetsEOYAmt046574108
IRS990/TotalAssetsGrp/BOYAmt041463569
IRS990/TotalAssetsGrp/EOYAmt046574108
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01046856
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt034550887
IRS990/TotalLiabilitiesEOYAmt039504664
IRS990/TotalLiabilitiesGrp/BOYAmt034550887
IRS990/TotalLiabilitiesGrp/EOYAmt039504664
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06912682
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07069444
IRS990/TotalOtherCompensationAmt042957
IRS990/TotalProgramServiceRevenueAmt0555565
IRS990/TotalReportableCompFromOrgAmt0215760
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01235977
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01235977
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt041463569
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt046574108
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0312 WAREHAM ROAD
IRS990/USAddress/CityNm0MARIAN
IRS990/USAddress/StateAbbreviationCd0MA
IRS990/USAddress/ZIPCd002738
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.CUECU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0PETER MCCOY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRPERSON
ReturnHeader/BusinessOfficerGrp/PhoneNum05087483452
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-11-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COMMONWEALTH UTILITIES EMPLOYEES
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0046055566
ReturnHeader/Filer/PhoneNum05087483452
ReturnHeader/Filer/USAddress/AddressLine1Txt0312 WAREHAM ROAD
ReturnHeader/Filer/USAddress/CityNm0MARION
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd002738
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0472604526
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GARVEY STEELE & BANCROFT LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 397
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MYSTIC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0063550397
ReturnHeader/PreparerPersonGrp/PhoneNum08605369831
ReturnHeader/PreparerPersonGrp/PreparationDt02021-11-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL R GARVEY CPA
ReturnHeader/ReturnTs02021-11-15T08:41:58-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0PETER
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0MCCOY
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.41$0.22$0.18
2022Detailed filing. Detailed filing data is available for this year.$50.9$43.4$7.58$1.28$0.88$0.40
2021Detailed filing. Detailed filing data is available for this year.$49.4$42.2$7.21$1.08$0.90$0.18
2020Detailed filing. Detailed filing data is available for this year.$46.6$39.5$7.07$1.24$1.05$0.19
2019Detailed filing. Detailed filing data is available for this year.$41.5$34.6$6.91$1.35$1.08$0.28
2018Detailed filing. Detailed filing data is available for this year.$40.2$33.6$6.63$1.31$1.05$0.26
2017Detailed filing. Detailed filing data is available for this year.$41.3$35.0$6.37$1.19$0.95$0.24
2016Detailed filing. Detailed filing data is available for this year.$41.6$35.5$6.13$1.17$1.00$0.17
2015Detailed filing. Detailed filing data is available for this year.$41.3$35.3$5.96$1.17$1.06$0.11
2014Detailed filing. Detailed filing data is available for this year.$42.1$36.2$5.87$1.20$1.27$0.07
2013Detailed filing. Detailed filing data is available for this year.$44.3$38.3$5.97$1.30$1.21$0.10
2012Summary only. Only limited summary data is available for this year.$43.8$37.8$5.93$1.55$1.32$0.23
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.1$37.4$5.67$1.66
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.3$36.8$5.44$1.74