Civic Intelligence

Blackhawk Area Cu

990 • Fiscal year 2015 • EIN 36-6091357

Jan 01, 2015 to Dec 31, 2015 • Filed on May 13, 2016

214 Main StreetSavanna, IL 61074

(815) 273-4503

Siviq Scores

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

Liabilities / Assets

94th percentile

0.92x

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

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

60th percentile

21.94x

Higher debt load relative to revenue than 60% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

35th percentile

4.3%

Higher net margin than 35% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

27th percentile

$77,500

Higher top officer pay than 27% of similar nonprofits.

Top officer pay equals 5.5% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

26th percentile

0.3%

Faster asset growth than 26% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

28th percentile

-2.0%

Faster revenue growth than 28% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Assets

Up

$33,700,960

Up $117,064 (+0.3%) from 2014

Net Assets

Down

$2,649,657

Down $2,550 (-0.1%) from 2014

Liabilities

Up

$31,051,303

Up $119,614 (+0.4%) from 2014

Revenue

Down

$1,415,509

Down $28,529 (-2.0%) from 2014

Expenses

Down

$1,354,244

Down $55,898 (-4.0%) from 2014

Net Income

Up

$61,265

Up $27,369 (+81%) from 2014

Historical Trend

Balance Sheet Trend

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

$60M$40M$20M$0Assets 2010: $28,904,119Liabilities 2010: $26,692,701Net Assets 2010: $2,211,4182010Assets 2011: $30,328,577Liabilities 2011: $27,970,688Net Assets 2011: $2,357,8892011Assets 2012: $32,358,116Liabilities 2012: $29,824,608Net Assets 2012: $2,533,5082012Assets 2013: $33,011,631Liabilities 2013: $30,339,110Net Assets 2013: $2,672,5212013Assets 2014: $33,583,896Liabilities 2014: $30,931,689Net Assets 2014: $2,652,2072014Assets 2015: $33,700,960Liabilities 2015: $31,051,303Net Assets 2015: $2,649,6572015Assets 2016: $33,344,685Liabilities 2016: $30,691,418Net Assets 2016: $2,653,2672016Assets 2017: $33,802,317Liabilities 2017: $31,236,619Net Assets 2017: $2,565,6982017Assets 2018: $33,561,901Liabilities 2018: $30,843,443Net Assets 2018: $2,718,4582018Assets 2019: $33,863,489Liabilities 2019: $31,131,719Net Assets 2019: $2,731,7702019Assets 2020: $40,360,049Liabilities 2020: $37,692,443Net Assets 2020: $2,667,6062020Assets 2021: $44,108,339Liabilities 2021: $41,185,823Net Assets 2021: $2,922,5162021Assets 2022: $43,546,962Liabilities 2022: $40,193,254Net Assets 2022: $3,353,7082022Assets 2023: $40,050,532Liabilities 2023: $36,183,342Net Assets 2023: $3,867,1902023Assets 2024: $38,018,614Liabilities 2024: $33,742,098Net Assets 2024: $4,276,5162024

Highlighted filing

2015

Assets$33,700,960
Liabilities$31,051,303
Net Assets$2,649,657

Operations Trend

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,502,2772010Expenses 2011: $1,461,0072011Expenses 2012: $1,360,6702012Revenue 2013: $1,457,033Expenses 2013: $1,344,260Net Income 2013: $112,7732013Revenue 2014: $1,444,038Expenses 2014: $1,410,142Net Income 2014: $33,8962014Revenue 2015: $1,415,509Expenses 2015: $1,354,244Net Income 2015: $61,2652015Revenue 2016: $1,428,653Expenses 2016: $1,356,984Net Income 2016: $71,6692016Revenue 2017: $1,445,404Expenses 2017: $1,495,425Net Income 2017: -$50,0212017Revenue 2018: $1,553,828Expenses 2018: $1,421,998Net Income 2018: $131,8302018Revenue 2019: $1,629,051Expenses 2019: $1,519,962Net Income 2019: $109,0892019Revenue 2020: $1,503,007Expenses 2020: $1,435,221Net Income 2020: $67,7862020Revenue 2021: $1,720,364Expenses 2021: $1,484,181Net Income 2021: $236,1832021Revenue 2022: $1,907,031Expenses 2022: $1,571,638Net Income 2022: $335,3932022Revenue 2023: $2,171,881Expenses 2023: $1,635,081Net Income 2023: $536,8002023Revenue 2024: $2,178,867Expenses 2024: $1,722,770Net Income 2024: $456,0972024

Highlighted filing

2015

Revenue$1,415,509
Expenses$1,354,244
Net Income$61,265
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 13, 2016
Return Version
2015v2.1
Gross Receipts
$1,415,509
Mission and Program Overview

Mission

The mission of the credit union is to provide low-cost financial services to its members, to encourage savings, to provide education in fiancial matters, and to prosper in order to continue to be a viable financial institution in the future.

Credit Union operated for mutual purposes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$22,110,547$20,981,563▼ $1,128,984
Investments in Publicly Traded Securities$7,767,099$8,574,718▲ $807,619
Rtn Earn Endowment Incm Other Fnds$2,652,207$2,649,657▼ $2,550
Savings and Temporary Cash Investments$1,889,666$2,345,658▲ $455,992
Cash and Non-Interest-Bearing Accounts$810,753$934,413▲ $123,660
Land, Buildings, and Equipment, Net$273,117$258,491▼ $14,626
Accounts Receivable$97,480$94,032▼ $3,448
Prepaid Expenses and Deferred Charges$34,647$42,043▲ $7,396
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$33,583,896$33,700,960▲ $117,064
Other Assets Total$600,587$470,042▼ $130,545
Liabilities
Other Liabilities$30,711,134$30,819,658▲ $108,524
Accounts Payable and Accrued Expenses$220,555$231,645▲ $11,090
Total Liabilities$30,931,689$31,051,303▲ $119,614
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,652,207$2,649,657▼ $2,550
Total Liabilities and Net Assets / Fund Balance$33,583,896$33,700,960▲ $117,064

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$102,665$502,446$0
Other Land Buildings$0$0$0
Land$106,500-$0
Equipment$19,014$379,045$0
Leasehold Improvements$30,312$22,576$0
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Rhonda SchroederCEOFT$77,500$77,500
Sandra HowardCredit ManagerFT$43,500$43,500

Board Members and Trustees

NameTitle
Beth WiegmannChairperson
Wayne WilsonVice Chairman
James KarrBoard Member
Leonard SheafferBoard Member
Marleen AndersenBoard Member
Steve VenhuizenBoard Member
Wilfred SchrammBoard Member
Mary OstendorfSecretary
Debbi HunterTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,332,569
Investment Income
$82,940
Other Revenue
$0
Change in Net Assets
$61,265
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$696,280
Other Expenses$657,964
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$343,188
Office Expenses---$143,858
Other Employee Benefits---$141,665
Current Officers, Directors, Trustees, and Key Employees---$121,000
Information Technology---$83,682
Occupancy---$82,772
Pension Plan Contributions---$50,912
Advertising---$44,368
Payroll Taxes---$39,515
Depreciation Depletion---$32,562
Fees for Services Accounting---$29,508
Travel---$17,566
Insurance---$15,369
Payments to Affiliates---$15,138
Other Expenses---$9,970
Conferences and Meetings---$102
All Other Expenses---$-6
Total Functional Expenses$0$0$0$1,354,244
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
All Shares held by members$30,819,658
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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

4,970 members

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

4,970 members

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

members

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

Rhonda Schroeder, CEO completes Form 990 with the assistance of Melanie Macy, Collection Manager.

Form 990, Part VI, Section C, Line 19

Newsletter, website, and upon request.

Filing and Contact Details

Filer

Filer Name
Blackhawk Area Cu
EIN
36-6091357
Phone
8152734503
Address
214 Main Street, Savanna, IL 61074

Signing Officer

Name
Rhonda Schroeder
Title
CEO
Phone
8152732945
Signed
2016-05-13

Organization Details

Principal Officer
Rhonda Schroeder
Formed
1935
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
0
Employees
16
Volunteers
9
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

OCI Adjustment

Raw XML AppendixShowing 400 of 405 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
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IRS990/AccountsReceivableGrp/EOYAmt094032
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Credit Union operated for mutual purposes.
IRS990/AdvertisingGrp/TotalAmt044368
IRS990/AllOtherExpensesGrp/TotalAmt0-6
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0Rhonda Schroeder
IRS990/BooksInCareOfDetail/PhoneNum08152734503
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0214 Main Street
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IRS990/ProgSrvcAccomActy2Grp/Desc0We have a total of 1,599 outstanding member consumer loans.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt00
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt00
IRS990/ProgSrvcAccomActy3Grp/Desc0We have a total of 267 outstanding member mortgage and/or HELOC loans.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt00
IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt080114
IRS990/PYOtherExpensesAmt0744943
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01363924
IRS990/PYRevenuesLessExpensesAmt033896
IRS990/PYSalariesCompEmpBnftPaidAmt0665199
IRS990/PYTotalExpensesAmt01410142
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01444038
IRS990/ReconcilationRevenueExpnssAmt061265
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02652207
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02649657
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01889666
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02345658
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0102665
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0502446
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0605111
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt019014
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0379045
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0398059
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0106500
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0106500
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt030312
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt022576
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt052888
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt030819658
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0All Shares held by members
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0258491
IRS990ScheduleD/TotalLiabilityAmt030819658
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt04,970 members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14,970 members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Rhonda Schroeder, CEO completes Form 990 with the assistance of Melanie Macy, Collection Manager.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Newsletter, website, and upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5OCI Adjustment
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt033583896
IRS990/TotalAssetsEOYAmt033700960
IRS990/TotalAssetsGrp/BOYAmt033583896
IRS990/TotalAssetsGrp/EOYAmt033700960
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt016
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01354244
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt030931689
IRS990/TotalLiabilitiesEOYAmt031051303
IRS990/TotalLiabilitiesGrp/BOYAmt030931689
IRS990/TotalLiabilitiesGrp/EOYAmt031051303
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02652207
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02649657
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt01332569
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt01332569
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt01332569
IRS990/TotalReportableCompFromOrgAmt0121000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01415509
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01415509
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt033583896
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt033700960
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt017566
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0214 Main Street
IRS990/USAddress/CityNm0Savanna
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd061074
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0www.bacu.org
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Rhonda Schroeder
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08152732945
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BLACKHAWK AREA CU
ReturnHeader/Filer/BusinessNameControlTxt0BLAC
ReturnHeader/Filer/EIN0366091357
ReturnHeader/Filer/PhoneNum08152734503
ReturnHeader/Filer/USAddress/AddressLine1Txt0214 Main Street
ReturnHeader/Filer/USAddress/CityNm0Savanna
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd061074

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.0$33.7$4.28$2.18$1.72$0.46
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$40.1$36.2$3.87$2.17$1.64$0.54
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.5$40.2$3.35$1.91$1.57$0.34
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$44.1$41.2$2.92$1.72$1.48$0.24
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$40.4$37.7$2.67$1.50$1.44$0.07
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.9$31.1$2.73$1.63$1.52$0.11
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.6$30.8$2.72$1.55$1.42$0.13
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.8$31.2$2.57$1.45$1.50$0.05
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.3$30.7$2.65$1.43$1.36$0.07
2015Detailed filing. Detailed filing data is available for this year.$33.7$31.1$2.65$1.42$1.35$0.06
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.6$30.9$2.65$1.44$1.41$0.03
2013Detailed filing. Detailed filing data is available for this year.$33.0$30.3$2.67$1.46$1.34$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.4$29.8$2.53$1.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.3$28.0$2.36$1.46
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.9$26.7$2.21$1.50