Civic Intelligence

Pathways Financial Credit Union

EIN 23-7247091 • 501(c)14 • Columbus, OH

View Organization Page

Profile

To provide lending, savings and other financial services to its members at terms generally better than available in the local marketplace and with a "service-based" emphasis that recognizes the members' status as "owner".

5665 N Hamilton RoadColumbus, OH 43230

www.pathwayscu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

53rd percentile

0.90x

Higher debt load relative to assets than 53% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

42nd percentile

14.76x

Higher debt load relative to revenue than 42% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

26th percentile

5.0%

Higher net margin than 26% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

72nd percentile

$525,882

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Asset Growth

64th percentile

4.4%

Faster asset growth than 64% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Revenue Growth

46th percentile

14%

Faster revenue growth than 46% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Up

$648,327,104

Up $53,637,988 (+9.0%) from 2022

Liabilities

Up

$586,671,180

Up $44,781,457 (+8.3%) from 2022

Net Assets

Up

$61,655,924

Up $8,856,531 (+17%) from 2022

Operations
Liabilities / Revenue42nd percentileNet Margin26th percentile

Revenue

Up

$39,749,424

Up $8,899,672 (+29%) from 2022

Expenses

Up

$37,744,532

Up $13,233,844 (+54%) from 2022

Net Income

Down

$2,004,892

Down $4,334,172 (-68%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth64th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$800M$600M$400M$200M$0Assets 2011: $59,365,610Liabilities 2011: $54,211,527Net Assets 2011: $5,154,0832011Assets 2013: $214,330,933Liabilities 2013: $194,589,172Net Assets 2013: $19,741,7612013Assets 2014: $217,239,480Liabilities 2014: $196,081,327Net Assets 2014: $21,158,1532014Assets 2015: $235,164,443Liabilities 2015: $213,056,318Net Assets 2015: $22,108,1252015Assets 2017: $247,415,572Liabilities 2017: $222,578,407Net Assets 2017: $24,837,1652017Assets 2018: $289,016,176Liabilities 2018: $260,042,843Net Assets 2018: $28,973,3332018Assets 2019: $412,851,911Liabilities 2019: $370,971,069Net Assets 2019: $41,880,8422019Assets 2020: $510,902,517Liabilities 2020: $460,155,429Net Assets 2020: $50,747,0882020Assets 2021: $585,094,948Liabilities 2021: $528,734,694Net Assets 2021: $56,360,2542021Assets 2022: $594,689,116Liabilities 2022: $541,889,723Net Assets 2022: $52,799,3932022Assets 2024: $648,327,104Liabilities 2024: $586,671,180Net Assets 2024: $61,655,9242024

Highlighted filing

2024

Assets$648,327,104
Liabilities$586,671,180
Net Assets$61,655,924
Open 2024 Filing

Operations Trend

Revenue Growth46th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$40M$30M$20M$10M$0Expenses 2011: $2,616,8722011Revenue 2013: $10,163,200Expenses 2013: $9,234,796Net Income 2013: $928,4042013Revenue 2014: $10,617,630Expenses 2014: $9,857,624Net Income 2014: $760,0062014Revenue 2015: $11,176,137Expenses 2015: $10,104,374Net Income 2015: $1,071,7632015Revenue 2017: $12,452,588Expenses 2017: $11,210,460Net Income 2017: $1,242,1282017Revenue 2018: $14,809,623Expenses 2018: $11,725,271Net Income 2018: $3,084,3522018Revenue 2019: $20,723,655Expenses 2019: $17,436,454Net Income 2019: $3,287,2012019Revenue 2020: $24,035,471Expenses 2020: $20,105,417Net Income 2020: $3,930,0542020Revenue 2021: $28,786,702Expenses 2021: $21,665,122Net Income 2021: $7,121,5802021Revenue 2022: $30,849,752Expenses 2022: $24,510,688Net Income 2022: $6,339,0642022Revenue 2024: $39,749,424Expenses 2024: $37,744,532Net Income 2024: $2,004,8922024

Highlighted filing

2024

Revenue$39,749,424
Expenses$37,744,532
Net Income$2,004,892
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$648,327,104
Liabilities
$586,671,180
Net assets
$61,655,924
Revenue
$39,749,424
Expenses
$37,744,532
Net income
$2,004,892
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$648$587$61.7$39.7$37.7$2.00
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$595$542$52.8$30.8$24.5$6.34
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$585$529$56.4$28.8$21.7$7.12
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$511$460$50.7$24.0$20.1$3.93
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$413$371$41.9$20.7$17.4$3.29
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$289$260$29.0$14.8$11.7$3.08
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$247$223$24.8$12.5$11.2$1.24
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$235$213$22.1$11.2$10.1$1.07
2014Detailed filing. Detailed filing data is available for this year.$217$196$21.2$10.6$9.86$0.76
2013Detailed filing. Detailed filing data is available for this year.$214$195$19.7$10.2$9.23$0.93
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$59.4$54.2$5.15$2.62
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 7, 2023
Return Version
2022v5.0
Gross Receipts
$30,849,752
Mission and Program Overview

Mission

To provide lending, savings and other financial services to its members at terms generally better than available in the local marketplace and with a "service-based" emphasis that recognizes the members' status as "owner".

To provide financial services to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$345,107,123$408,985,891▲ $63,878,768
Investments Other Securities$104,226,434$101,853,204▼ $2,373,230
Rtn Earn Endowment Incm Other Fnds$56,360,254$52,799,393▼ $3,560,861
Savings and Temporary Cash Investments$80,993,681$25,383,611▼ $55,610,070
Land, Buildings, and Equipment, Net$12,678,520$15,238,142▲ $2,559,622
Cash and Non-Interest-Bearing Accounts$4,875,918$5,359,566▲ $483,648
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$585,094,948$594,689,116▲ $9,594,168
Other Assets Total$37,213,272$37,868,702▲ $655,430
Liabilities
Other Liabilities$521,393,870$533,407,349▲ $12,013,479
Accounts Payable and Accrued Expenses$7,340,824$8,482,374▲ $1,141,550
Total Liabilities$528,734,694$541,889,723▲ $13,155,029
Net Assets / Fund Balance
Total Net Assets Fund Balance$56,360,254$52,799,393▼ $3,560,861
Total Liabilities and Net Assets / Fund Balance$585,094,948$594,689,116▲ $9,594,168

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$4,676,552$5,848,190$10,524,742
Buildings$5,498,873$1,666,709$7,165,582
Leasehold Improvements$2,041,717$2,658,533$4,700,250
Land$3,021,000-$3,021,000
Other Assets Org$5,954,285--
Other Securities$20,729,887--
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mike ShaferCEOFT$408,672$117,210$525,882
Casey EcklesVP OperationsFT$152,351$198,637$350,988
Greg KidwellPresidentFT$271,176$74,825$346,001
Jill JusticeVP Human ResourcesFT$130,408$189,819$320,227
Patricia MedertBusiness Services SpecialistFT$74,774$160,123$234,897
Andy TarboxCIOFT$160,510$47,095$207,605
Curtis OnofriVP LendingFT$153,986$44,354$198,340
Chris HooverVP FinanceFT$149,524$48,592$198,116
Linda BattagliaVP ComplianceFT$89,944$71,285$161,229
Christina GilAvp Loan OriginationsFT$91,567$58,788$150,355
Deanna BarzakVP of Business DevFT$115,812$6,638$122,450
Maria GonzalezVP of Sales and ServicesFT$113,340$6,600$119,940
Michele MurryVP of AdminFT$108,054$6,301$114,355

Board Members and Trustees

NameTitle
Jack RadichChairperson
Bill KnolesBoard Member
Gail KelleyBoard Member
John FalkBoard Member
Kirk PiersonBoard Member
Marsha CallowayBoard Member
Michael PoeBoard Member
Mike SisingerBoard Member
Laura GatesMortgage Loan Officer
Thomas GouletMortgage Loan Officer

Highest Paid Contractors

ContractorServicesLocationCompensation
PscuCard Services560 CARILLON PARKWAY, St Petersburg, FL 33716$1,259,317
CuaData Processor6000 28TH STREET SE, Grand Rapids, MI 49546$1,241,536
Scott Wesney Construction LLCConstruction791 SCIENCE BLVD, Gahanna, OH 43230$876,783
CorelationsData Processor2305 HISTORIC DECATUR RD STE 300, San Diego, CA 92106$468,361
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$28,285,076
Investment Income
$2,564,676
Other Revenue
$0
Change in Net Assets
$6,339,064

Audited Revenue Reconciliation

Revenue per Audited Statements
$30,849,752
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$30,849,752
Total Revenue per Form 990
$30,849,752
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$15,162,442
Salaries, Compensation, and Employee Benefits$9,348,246
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$6,418,074
Current Officers, Directors, Trustees, and Key Employees---$2,930,172
Interest---$2,380,537
Advertising---$1,500,591
Fees for Services Other---$1,296,126
Occupancy---$1,268,437
Office Expenses---$1,205,333
Depreciation Depletion---$935,893
Other Expenses---$762,389
All Other Expenses---$219,467
Insurance---$143,621
Travel---$29,126
Total Functional Expenses$0$0$0$24,510,688

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$24,510,688
Total Expenses per Audited Statements$24,510,688
Total Expenses per Form 990$24,510,688
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
MEMBERS' SHARES & DEPOSITS$533,407,349
Governance and Compliance

Governance Checklist

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

“The organization has members.”

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

“The member-owners of the credit union have the authority to elect the members of the board of directors for three years on a rotating basis. Candidates are elected by a simple plurity vote.”

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

“Changes to the governing documents and bylaws must be approved by the member-owners after they have been approved by the board of directors and the regulatory agency of the credit union (ohio division of financial institutions).”

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

“The form 990 is presented to management and the board of directors prior to filing with the irs”

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

“The conflict of interest policy is reviewed on an annual basis with the board at the may board meeting. After reviewing the policy each board member signs the policy.”

Form 990, Part VI, Section B, Line 15

“The credit union uses a salary manual provided by cuna (an organization that is specific to credit unions) for all its employees.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted at each branch office and all other governing documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Pathways Financial Credit Union
EIN
23-7247091
Phone
6144167588
Address
5665 N HAMILTON ROAD, COLUMBUS, OH 43230

Signing Officer

Name
Christopher B Hoover
Title
CFO
Phone
6144167588
Signed
2023-11-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christopher B Hoover
Formed
1973
Legal Domicile
Oh
Voting Board Members
12
Independent Board Members
12
Employees
146
Volunteers
12

Preparer

Firm
Gbq Partners LLC
Address
4030 SMITH ROAD SUITE 400, CINCINNATI, OH 45209
Preparer
Greg Heimkreiter
Phone
5138713033
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Equity acquired in merger 310,599.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt by statute from federal and state income taxes except for certain charges such as non-member atm fees which have been deemed by the internal revenue service (irs), in technical advice memorandums released in march 2007, to be unrelated to the specific entity's exempt purpose. As presented in the technical advice memorandums, the net taxable income from these charges is subject to income taxes under the unrelated business income tax (ubit) regulations. Tax returns were filed timely for the 2021 calendar year and will be filed by november 15, 2023 for the 2022 calendar year. An estimated liability has not been recognized in the financial statements because the taxes due are not expected to have a material effect on the credit union's financial condition or results of operations.”

Raw XML AppendixShowing 400 of 718 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt07340824
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt08482374
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS.
IRS990/AdvertisingGrp/TotalAmt01500591
IRS990/AllOtherExpensesGrp/TotalAmt0219467
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0CHRISTOPHER B HOOVER
IRS990/BooksInCareOfDetail/PhoneNum06144167588
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt05665 N HAMILTON ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0COLUMBUS
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0OH
IRS990/BooksInCareOfDetail/USAddress/ZIPCd043230
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt04875918
IRS990/CashNonInterestBearingGrp/EOYAmt05359566
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt04
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt02930172
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt01259317
IRS990/ContractorCompensationGrp/CompensationAmt11241536
IRS990/ContractorCompensationGrp/CompensationAmt2876783
IRS990/ContractorCompensationGrp/CompensationAmt3468361
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0560 CARILLON PARKWAY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt16000 28TH STREET SE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2791 SCIENCE BLVD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt32305 HISTORIC DECATUR RD STE 300
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0ST PETERSBURG
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1GRAND RAPIDS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2GAHANNA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3SAN DIEGO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0FL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2OH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd033716
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd149546
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd243230
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd392106
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0PSCU
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1CUA
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2SCOTT WESNEY CONSTRUCTION LLC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3CORELATIONS
IRS990/ContractorCompensationGrp/ServicesDesc0CARD SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc1DATA PROCESSOR
IRS990/ContractorCompensationGrp/ServicesDesc2CONSTRUCTION
IRS990/ContractorCompensationGrp/ServicesDesc3DATA PROCESSOR
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt02564676
IRS990/CYOtherExpensesAmt015162442
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt028285076
IRS990/CYRevenuesLessExpensesAmt06339064
IRS990/CYSalariesCompEmpBnftPaidAmt09348246
IRS990/CYTotalExpensesAmt024510688
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt030849752
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0935893
IRS990/Desc0PROVIDE FINANCIAL SERVICES TO MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd01
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IRS990/DonorAdvisedFundInd00
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IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0146
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesOtherGrp/TotalAmt01296126
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
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IRS990/Form990PartVIISectionAGrp/OfficerInd15X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
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IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt12CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP LENDING
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IRS990/Form990PartVIISectionAGrp/TitleTxt17AVP LOAN ORIGINATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt18MORTGAGE LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP OF BUSINESS DEV
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP OF SALES AND SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP OF ADMIN
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST - LOANS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1ACCRUED INTEREST - INVESTMENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2SURRENDER VALUE OF LIFE INSURANCE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3PREPAID EXPENSES

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