Civic Intelligence

Via Credit Union

990 • Fiscal year 2018 • EIN 35-0884006

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 15, 2019

Refreshing map…

4505 S Adams StMarion, IN 46953

(765) 674-6631

Siviq Scores

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

Liabilities / Assets

26th percentile

0.87x

Higher debt load relative to assets than 26% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

85th percentile

20.69x

Higher debt load relative to revenue than 85% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

61st percentile

16%

Higher net margin than 61% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

6th percentile

$208,544

Higher top officer pay than 6% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

63rd percentile

5.6%

Faster asset growth than 63% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

53rd percentile

12%

Faster revenue growth than 53% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Assets

Up

$360,759,938

Up $19,270,795 (+5.6%) from 2017

Net Assets

Up

$46,950,010

Up $2,491,435 (+5.6%) from 2017

Liabilities

Up

$313,809,928

Up $16,779,360 (+5.6%) from 2017

Revenue

Up

$15,165,541

Up $1,572,735 (+12%) from 2017

Expenses

Up

$12,674,106

Up $1,593,074 (+14%) from 2017

Net Income

Down

$2,491,435

Down $20,339 (-0.8%) from 2017

Historical Trend

Balance Sheet Trend

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

$600M$400M$200M$0Assets 2010: $253,891,317Liabilities 2010: $224,980,053Net Assets 2010: $28,911,2642010Assets 2011: $266,968,078Liabilities 2011: $236,554,912Net Assets 2011: $30,413,1662011Assets 2012: $286,587,795Liabilities 2012: $254,182,943Net Assets 2012: $32,404,8522012Assets 2013: $298,327,172Liabilities 2013: $264,103,404Net Assets 2013: $34,223,7682013Assets 2014: $308,878,262Liabilities 2014: $272,716,109Net Assets 2014: $36,162,1532014Assets 2015: $313,904,688Liabilities 2015: $275,552,658Net Assets 2015: $38,352,0302015Assets 2016: $323,402,288Liabilities 2016: $282,995,487Net Assets 2016: $40,406,8012016Assets 2017: $341,489,143Liabilities 2017: $297,030,568Net Assets 2017: $44,458,5752017Assets 2018: $360,759,938Liabilities 2018: $313,809,928Net Assets 2018: $46,950,0102018Assets 2019: $395,968,027Liabilities 2019: $346,474,886Net Assets 2019: $49,493,1412019Assets 2020: $449,645,503Liabilities 2020: $398,711,123Net Assets 2020: $50,934,3802020Assets 2021: $517,398,165Liabilities 2021: $462,118,386Net Assets 2021: $55,279,7792021Assets 2024: $577,206,622Liabilities 2024: $507,071,355Net Assets 2024: $70,135,2672024

Highlighted filing

2018

Assets$360,759,938
Liabilities$313,809,928
Net Assets$46,950,010

Operations Trend

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

$40M$30M$20M$10M$0Expenses 2010: $10,968,7992010Expenses 2011: $11,034,6042011Expenses 2012: $10,719,0622012Revenue 2013: $12,358,097Expenses 2013: $10,539,182Net Income 2013: $1,818,9152013Revenue 2014: $12,174,456Expenses 2014: $10,236,071Net Income 2014: $1,938,3852014Revenue 2015: $12,296,989Expenses 2015: $10,107,112Net Income 2015: $2,189,8772015Revenue 2016: $12,665,991Expenses 2016: $10,611,220Net Income 2016: $2,054,7712016Revenue 2017: $13,592,806Expenses 2017: $11,081,032Net Income 2017: $2,511,7742017Revenue 2018: $15,165,541Expenses 2018: $12,674,106Net Income 2018: $2,491,4352018Revenue 2019: $16,839,844Expenses 2019: $14,296,713Net Income 2019: $2,543,1312019Revenue 2020: $16,858,903Expenses 2020: $15,417,664Net Income 2020: $1,441,2392020Revenue 2021: $18,473,040Expenses 2021: $14,127,641Net Income 2021: $4,345,3992021Revenue 2024: $31,379,952Expenses 2024: $25,479,380Net Income 2024: $5,900,5722024

Highlighted filing

2018

Revenue$15,165,541
Expenses$12,674,106
Net Income$2,491,435
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 15, 2019
Return Version
2018v3.1
Gross Receipts
$15,182,659
Mission and Program Overview

Mission

To serve the financially-related needs of our diverse membership while maintaining a sound, member-owned association. The credit union returns the profits to its members in the form of lower loan rates, higher savings rates, and free or low cost (continued on schedule o)

To serve the financially-related needs of our diverse membership while maintaing a sound, member-owned association.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$234,545,318$263,513,456▲ $28,968,138
Investments in Publicly Traded Securities$73,989,768$64,292,162▼ $9,697,606
Rtn Earn Endowment Incm Other Fnds$44,458,575$46,950,010▲ $2,491,435
Savings and Temporary Cash Investments$18,918,031$17,947,762▼ $970,269
Land, Buildings, and Equipment, Net$5,645,891$5,040,219▼ $605,672
Cash and Non-Interest-Bearing Accounts$3,249,193$3,417,350▲ $168,157
Prepaid Expenses and Deferred Charges$693,335$1,266,058▲ $572,723
Intangible Assets$334,513$305,721▼ $28,792
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$341,489,143$360,759,938▲ $19,270,795
Other Assets Total$4,113,094$4,977,210▲ $864,116
Liabilities
Other Liabilities$293,609,810$311,226,501▲ $17,616,691
Accounts Payable and Accrued Expenses$3,420,758$2,583,427▼ $837,331
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$297,030,568$313,809,928▲ $16,779,360
Net Assets / Fund Balance
Total Net Assets Fund Balance$44,458,575$46,950,010▲ $2,491,435
Total Liabilities and Net Assets / Fund Balance$341,489,143$360,759,938▲ $19,270,795

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,123,506$4,098,076$7,221,582
Equipment$599,408$4,333,887$4,933,295
Land$1,067,761-$1,067,761
Other Land Buildings$249,544$0$249,544
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
David AbernathyCEO/treasurer of the BoardFT$182,168$26,376$208,544
Cindy KohlmorgenExecutive VPFT$108,070$29,169$137,239
Lori FieneCFOFT$95,649$26,276$121,925

Board Members and Trustees

NameTitle
John LightleBoard Chairman
Clyde ThornellVice Chairman
Deleane SolomanBoard Member
Greg MaurerBoard Member
Jack ShaffnerBoard Member
Roger RothBoard Member
Timothy MitchenerBoard Member
Verlis SlusherBoard Member
Frances PackSecretary of the Board

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry Associates INCComputer ServicePO BOX 609, Monett, MO 65708$542,794
Jg Bowers INCConstruction Work1629 S JOQUIN DR, Marion, IN 46952$273,733
SymplexityComputer Hardware8181 W JEFFERSON BLVD, Fort Wayne, IN 46804$120,725
Equifax Information ServicesCredit ReportsPO BOX 71221, Charlotte, NC 28272$108,966
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$13,396,545
Investment Income
$1,768,996
Other Revenue
$0
Change in Net Assets
$2,491,435
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,365,398
Salaries, Compensation, and Employee Benefits$5,303,708
Grants and Similar Amounts Paid$5,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,497,610
Interest---$2,161,724
Office Expenses---$810,141
Other Employee Benefits---$719,935
Occupancy---$574,096
Depreciation Depletion---$541,062
All Other Expenses---$489,943
Information Technology---$484,595
Current Officers, Directors, Trustees, and Key Employees---$467,708
Pension Plan Contributions---$316,172
Payroll Taxes---$302,283
Advertising---$230,747
Fees for Services Other---$140,706
Conferences and Meetings---$121,392
Fees for Services Accounting---$45,860
Travel---$39,181
Fees for Service Investment Mgmnt Fees---$33,134
Payments to Affiliates---$24,649
Other Expenses---$23,000
Insurance---$19,536
Fees for Services Legal---$8,875
Grants to Domestic Individuals---$5,000
Total Functional Expenses$0$0$0$12,674,106
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$5,000
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' DEPOSITS$311,226,501
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 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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

Classes of members or stockholders: all account holders are members(depositors). Anyone living or working in grant, blackford, madison, miami, wells, tipton, howard, wabash, delaware, hunington, kosciusko or hamilton county indiana can join via credit union. Family members of current members and anyone living in the same household with a member are eligible for membership.

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

Members of the governing body: via credit union is a member-owned credit union where each member has a vote. The members elect the governing body of the organization each year at the annual meeting.

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

Governance decisions reserved for members: the members must approve any changes to the articles of incorporation or bylaws.

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

Process to review the form 990: upon completion of the form 990, the return is reviewed in detail by management. In addition each member of the governing body receives a copy of the final form 990 before it is filed with the irs. The form 990 is also reviewed by an independent firm.

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

Conflict of interest policy: each officer, key employee, and board member signs a conflict of interest policy annually. The ceo receives and reviews all conflict of interest forms. The ceo's conflict of interest form is reviewed by the board president. If it is determined a conflict of interest exists, restrictions are imposed on persons with a conflict. For example if any board member discloses a conflict, that person would be excused from any deliberations and decisions made.

Form 990, Part VI, Section B, Line 15A & 15B

Process for determining compensation for the ceo and other officers: the personnel committee, comprised of board members, determines the compensation for the ceo, human resources receives a survey from an independent consultant and this survey is used to determine compensation. All other positions were reviewed using the same process. Deliberation and record of the discussion is in the committee minutes and the process was last undertaken in 2018.

Form 990, Part VI, Section C, Line 19

Governing documents available to the public: the financial statements are posted each month in the lobby of each branch. In addition, the governing documents, conflict of interest policy, and financial statements are available upon request. Statements are available upon request.

Filing and Contact Details

Filer

Filer Name
VIA Credit Union
EIN
35-0884006
In Care Of
% LORI FIENE
Phone
7656746631
Address
4505 S ADAMS ST, MARION, IN 46953

Signing Officer

Name
Lori Fiene
Title
CFO
Phone
7656746631
Signed
2019-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David Abernathy
Formed
1936
Legal Domicile
In
Voting Board Members
10
Independent Board Members
9
Employees
114
Volunteers
12

Preparer

Firm
Bkd Llp
Address
201 N Illinois Street, Indianapolis, IN 46204
Preparer
Michael J Summers
Phone
3173834000
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 1

Organization mission: services to people who are unable to obtain them elsewhere or as a valuable alternative to the traditional for-profit banking system. The credit union receives deposit from and makes loans to its members primarily located in the indiana counties of blackford, grant, delaware, madison, and miami. The majority of its loans are collateralized by specific items, including consumer assets, residential real estate, and member share balances.

Financial Statement Notes

Schedule D, Part X

Fin 48 disclosure: management has evaluated their income tax positions under the guidance included in asc 740. Based on their review, management has not identified any material uncertain tax positions to be recorded or disclosed in the financial statements.

Raw XML AppendixShowing 400 of 555 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt03420758
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02583427
IRS990/AccountsReceivableGrp/BOYAmt00
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO SERVE THE FINANCIALLY-RELATED NEEDS OF OUR DIVERSE MEMBERSHIP WHILE MAINTAING A SOUND, MEMBER-OWNED ASSOCIATION.
IRS990/AdvertisingGrp/TotalAmt0230747
IRS990/AllOtherExpensesGrp/TotalAmt0489943
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0LORI FIENE
IRS990/BooksInCareOfDetail/PhoneNum07656746631
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt04505 SOUTH ADAMS ST
IRS990/BooksInCareOfDetail/USAddress/CityNm0MARION
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd046953
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt03249193
IRS990/CashNonInterestBearingGrp/EOYAmt03417350
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt04
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0467708
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt0121392
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0true
IRS990/ContractorCompensationGrp/CompensationAmt0108966
IRS990/ContractorCompensationGrp/CompensationAmt1120725
IRS990/ContractorCompensationGrp/CompensationAmt2273733
IRS990/ContractorCompensationGrp/CompensationAmt3542794
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0PO BOX 71221
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt18181 W JEFFERSON BLVD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt21629 S JOQUIN DR
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt3PO BOX 609
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0CHARLOTTE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1FORT WAYNE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2MARION
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3MONETT
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0NC
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1IN
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2IN
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3MO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd028272
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd146804
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd246952
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd365708
IRS990/ContractorCompensationGrp/ContractorName/PersonNm0EQUIFAX INFORMATION SERVICES
IRS990/ContractorCompensationGrp/ContractorName/PersonNm1SYMPLEXITY
IRS990/ContractorCompensationGrp/ContractorName/PersonNm2JG BOWERS INC
IRS990/ContractorCompensationGrp/ContractorName/PersonNm3JACK HENRY ASSOCIATES INC
IRS990/ContractorCompensationGrp/ServicesDesc0CREDIT REPORTS
IRS990/ContractorCompensationGrp/ServicesDesc1COMPUTER HARDWARE
IRS990/ContractorCompensationGrp/ServicesDesc2CONSTRUCTION WORK
IRS990/ContractorCompensationGrp/ServicesDesc3COMPUTER SERVICE
IRS990/CostOfGoodsSoldAmt00
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt05000
IRS990/CYInvestmentIncomeAmt01768996
IRS990/CYOtherExpensesAmt07365398
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt013396545
IRS990/CYRevenuesLessExpensesAmt02491435
IRS990/CYSalariesCompEmpBnftPaidAmt05303708
IRS990/CYTotalExpensesAmt012674106
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt015165541
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0541062
IRS990/Desc0VIA CREDIT UNION OFFERS SEVERAL DIFFERENT SAVINGS ACCOUNTS. MEMBERSHIP SHARES ARE REQUIRED FOR MEMBERSHIP; SECONDARY SHARES CAN BE NAMED DIFFERENTLY FOR BUDGETING PURPOSES AND CHRISTMAS CLUB ACCOUNTS. VIA CREDIT UNION ALSO OFFERS MONEY MARKET AND PREMIER MONEY MARKET SHARE ACCOUNTS AND SEVERAL DIFFERENT TERMS OF SHARE CERTIFICATES.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0true
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt0114
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt045860
IRS990/FeesForServicesLegalGrp/TotalAmt08875
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt0140706
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt033134
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt246.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1045.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1145.0
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt226376
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1029169
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1126276
IRS990/Form990PartVIISectionAGrp/PersonNm0JOHN LIGHTLE
IRS990/Form990PartVIISectionAGrp/PersonNm1CLYDE THORNELL
IRS990/Form990PartVIISectionAGrp/PersonNm2DAVID ABERNATHY
IRS990/Form990PartVIISectionAGrp/PersonNm3FRANCES PACK
IRS990/Form990PartVIISectionAGrp/PersonNm4VERLIS SLUSHER
IRS990/Form990PartVIISectionAGrp/PersonNm5ROGER ROTH
IRS990/Form990PartVIISectionAGrp/PersonNm6GREG MAURER
IRS990/Form990PartVIISectionAGrp/PersonNm7JACK SHAFFNER
IRS990/Form990PartVIISectionAGrp/PersonNm8TIMOTHY MITCHENER
IRS990/Form990PartVIISectionAGrp/PersonNm9DELEANE SOLOMAN
IRS990/Form990PartVIISectionAGrp/PersonNm10CINDY KOHLMORGEN
IRS990/Form990PartVIISectionAGrp/PersonNm11LORI FIENE
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2182168
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10108070
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1195649
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2CEO/TREASURER OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10EXECUTIVE VP
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0true
IRS990/FormationYr01936
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/FundraisingDirectExpensesAmt00
IRS990/FundraisingGrossIncomeAmt00
IRS990/GainOrLossGrp/OtherAmt0-17118
IRS990/GamingActivitiesInd0false
IRS990/GamingDirectExpensesAmt00
IRS990/GamingGrossIncomeAmt00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt05000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt00
IRS990/GrossReceiptsAmt015182659
IRS990/GrossSalesOfInventoryAmt00
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0484595
IRS990/InsuranceGrp/TotalAmt019536
IRS990/IntangibleAssetsGrp/BOYAmt0334513
IRS990/IntangibleAssetsGrp/EOYAmt0305721
IRS990/InterestGrp/TotalAmt02161724
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt01786114
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01786114
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt073989768
IRS990/InvestmentsPubTradedSecGrp/EOYAmt064292162
IRS990/IRPDocumentCnt08428
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt08431963
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05645891
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05040219
IRS990/LandBldgEquipCostOrOtherBssAmt013472182
IRS990/LegalDomicileStateCd0IN
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt017118
IRS990/LoanOutstandingInd0false
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO SERVE THE FINANCIALLY-RELATED NEEDS OF OUR DIVERSE MEMBERSHIP WHILE MAINTAINING A SOUND, MEMBER-OWNED ASSOCIATION. THE CREDIT UNION RETURNS THE PROFITS TO ITS MEMBERS IN THE FORM OF LOWER LOAN RATES, HIGHER SAVINGS RATES, AND FREE OR LOW COST (CONTINUED ON SCHEDULE O)
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt044458575
IRS990/NetAssetsOrFundBalancesEOYAmt046950010
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-17118
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-17118
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0122671
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0574096
IRS990/OfficeExpensesGrp/TotalAmt0810141
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04113094
IRS990/OtherAssetsTotalGrp/EOYAmt04977210
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0719935
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc1NETWORK FEES
IRS990/OtherExpensesGrp/Desc2LOAN SERVCING & COLLECTION
IRS990/OtherExpensesGrp/Desc3TAX EXPENSE ON UBI
IRS990/OtherExpensesGrp/TotalAmt0525720
IRS990/OtherExpensesGrp/TotalAmt1625602
IRS990/OtherExpensesGrp/TotalAmt2465435
IRS990/OtherExpensesGrp/TotalAmt323000
IRS990/OtherLiabilitiesGrp/BOYAmt0293609810
IRS990/OtherLiabilitiesGrp/EOYAmt0311226501
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt03497610
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0234545318
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0263513456
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt024649
IRS990/PayrollTaxesGrp/TotalAmt0302283
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0316172
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0true
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0693335
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01266058
IRS990/PrincipalOfficerNm0DAVID ABERNATHY
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3524298
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE CHARGES AND FEES
IRS990/ProgramServiceRevenueGrp/Desc2INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3INSURANCE AND INVESTMENT PRODUCTS INCOME
IRS990/ProgramServiceRevenueGrp/Desc4OTHER REVENUE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt09215456
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11869038
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21347950
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3180915
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4375969
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt09215456
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11942964
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21347950
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3514206
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4375969
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt073926
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1333291
IRS990/ProgSrvcAccomActy2Grp/Desc0VIA CREDIT UNION OFFERS FREE CHECKING, REQUIRES NO MINIMUM BALANCE AND OFFERS UNLIMITED CHECK WRITING. MEMBERS ARE ABLE TO MANAGE THE CHECKING ACCOUNT THROUGH "VIA CONNECT," OUR INTERNET BANKING, VIA MOBILE OR VIAVOICE, OUR AUTOMATED TELEPHONE SERVICE."VIA BILL PAY" ALLOWS YOU TO PAY YOUR BILLS ONLINE FOR FREE.
IRS990/ProgSrvcAccomActy3Grp/Desc0THE CREDIT UNION OFFERS NEW AND USED AUTO LOANS, HOME EQUITY LOANS, UNSECURED LOANS, MORTGAGES, BUSINESS AND CREDIT CARD LOANS AT COMPETITIVE LOAN RATES, FLEXIBLE TERMS AND AUTOMATIC PAYMENT OPTIONS.
IRS990/ProgSrvcAccomActyOtherGrp/Desc0THE CREDIT UNION'S WHOLLY OWNED SUBSIDIARY, VIA
IRS990/ProgSrvcAccomActyOtherGrp/Desc1FINANCIAL GROUP, SELLS NONDEPOSIT INVESTMENT AND
IRS990/ProgSrvcAccomActyOtherGrp/Desc2INSURANCE PRODUCTS TO CREDIT UNION MEMBERS AND
IRS990/ProgSrvcAccomActyOtherGrp/Desc3OTHERS FROM ITS MARION, INDIANA OFFICE.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt06000
IRS990/PYInvestmentIncomeAmt01615940
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt06103618
IRS990/PYOtherRevenueAmt0110141
IRS990/PYProgramServiceRevenueAmt011866725
IRS990/PYRevenuesLessExpensesAmt02511774
IRS990/PYSalariesCompEmpBnftPaidAmt04971414
IRS990/PYTotalExpensesAmt011081032
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt013592806
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt02491435
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt044458575
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt046950010
IRS990/SavingsAndTempCashInvstGrp/BOYAmt018918031
IRS990/SavingsAndTempCashInvstGrp/EOYAmt017947762
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleC/PoliticalExpendituresAmt05000
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION OF POLITICAL ACTIVITIES: THE CREDIT UNION DONATED MONEY TO ICUPAC WHOSE PURPOSE IS TO RAISE FUNDS AND MAKE CONTRIBUTIONS TO LEGISLATORS, WITHOUT REGARD TO PARTY AFFILIATION, WHO HAVE DEMONSTRATED SUPPORT FOR THE LEGISLATIVE POSITIONS TAKEN BY CREDIT UNIONS REPRESENTED BY THE INDIANA CREDIT UNION LEAGUE.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE C, PART 1-A, LINE 1
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt03123506
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04098076
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$577$507$70.1$31.4$25.5$5.90
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$517$462$55.3$18.5$14.1$4.35
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$450$399$50.9$16.9$15.4$1.44
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$396$346$49.5$16.8$14.3$2.54
2018Detailed filing. Detailed filing data is available for this year.$361$314$47.0$15.2$12.7$2.49
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$341$297$44.5$13.6$11.1$2.51
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$323$283$40.4$12.7$10.6$2.05
2015Detailed filing. Detailed filing data is available for this year.$314$276$38.4$12.3$10.1$2.19
2014Detailed filing. Detailed filing data is available for this year.$309$273$36.2$12.2$10.2$1.94
2013Detailed filing. Detailed filing data is available for this year.$298$264$34.2$12.4$10.5$1.82
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$287$254$32.4$10.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$267$237$30.4$11.0
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$254$225$28.9$11.0