Civic Intelligence

Credit Unions Chartered in the State of Michigan 4 Front Credit Union

990 • Fiscal year 2017 • EIN 38-1524350

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 13, 2018

Organization Profilewww.4frontcu.com

View Organization Page

101 North Park StreetTraverse City, MI 49684

(231) 929-2000

Siviq Scores

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

Liabilities / Assets

44th percentile

0.89x

Higher debt load relative to assets than 44% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

26th percentile

15.39x

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

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

56th percentile

14%

Higher net margin than 56% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

29th percentile

$326,517

Higher top officer pay than 29% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

62nd percentile

6.5%

Faster asset growth than 62% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

75th percentile

12%

Faster revenue growth than 75% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets44th percentile

Assets

Up

$488,650,887

Up $29,681,403 (+6.5%) from 2016

Net Assets

Up

$54,109,804

Up $3,879,292 (+7.7%) from 2016

Liabilities

Up

$434,541,083

Up $25,802,111 (+6.3%) from 2016

Revenue And Expenses
Liabilities / Revenue26th percentileNet Margin56th percentile

Revenue

Up

$28,236,946

Up $2,995,964 (+12%) from 2016

Expenses

Up

$24,268,196

Up $3,059,301 (+14%) from 2016

Net Income

Down

$3,968,750

Down $63,337 (-1.6%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth62nd percentile

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

$1.5B$1.0B$500M$0Assets 2010: $185,622,015Liabilities 2010: $167,951,128Net Assets 2010: $17,670,8872010Assets 2011: $196,644,636Liabilities 2011: $177,793,583Net Assets 2011: $18,851,0532011Assets 2012: $210,458,876Liabilities 2012: $190,311,653Net Assets 2012: $20,147,2232012Assets 2013: $218,300,807Liabilities 2013: $197,583,494Net Assets 2013: $20,717,3132013Assets 2014: $228,412,401Liabilities 2014: $205,351,989Net Assets 2014: $23,060,4122014Assets 2015: $426,862,483Liabilities 2015: $380,489,183Net Assets 2015: $46,373,3002015Assets 2016: $458,969,484Liabilities 2016: $408,738,972Net Assets 2016: $50,230,5122016Assets 2017: $488,650,887Liabilities 2017: $434,541,083Net Assets 2017: $54,109,8042017Assets 2018: $516,059,883Liabilities 2018: $456,843,153Net Assets 2018: $59,216,7302018Assets 2019: $560,363,272Liabilities 2019: $494,794,646Net Assets 2019: $65,568,6262019Assets 2020: $742,406,934Liabilities 2020: $669,025,695Net Assets 2020: $73,381,2392020Assets 2021: $896,646,295Liabilities 2021: $816,500,069Net Assets 2021: $80,146,2262021Assets 2022: $1,009,844,526Liabilities 2022: $933,681,311Net Assets 2022: $76,163,2152022Assets 2023: $1,086,820,765Liabilities 2023: $1,004,190,107Net Assets 2023: $82,630,6582023Assets 2024: $1,028,814,833Liabilities 2024: $943,339,336Net Assets 2024: $85,475,4972024

Highlighted filing

2017

Assets$488,650,887
Liabilities$434,541,083
Net Assets$54,109,804
Open 2017 Filing

Operations Trend

Revenue Growth75th percentile

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

$80M$60M$40M$20M$0-$20MExpenses 2010: $12,014,0912010Expenses 2011: $11,540,2002011Expenses 2012: $10,777,9912012Revenue 2013: $11,103,410Expenses 2013: $9,742,358Net Income 2013: $1,361,0522013Revenue 2014: $12,068,256Expenses 2014: $10,729,566Net Income 2014: $1,338,6902014Revenue 2015: $22,492,717Expenses 2015: $21,023,834Net Income 2015: $1,468,8832015Revenue 2016: $25,240,982Expenses 2016: $21,208,895Net Income 2016: $4,032,0872016Revenue 2017: $28,236,946Expenses 2017: $24,268,196Net Income 2017: $3,968,7502017Revenue 2018: $34,298,344Expenses 2018: $28,441,271Net Income 2018: $5,857,0732018Revenue 2019: $39,221,324Expenses 2019: $34,435,623Net Income 2019: $4,785,7012019Revenue 2020: $43,206,858Expenses 2020: $36,701,631Net Income 2020: $6,505,2272020Revenue 2021: $51,854,069Expenses 2021: $42,435,257Net Income 2021: $9,418,8122021Revenue 2022: $56,680,662Expenses 2022: $45,227,865Net Income 2022: $11,452,7972022Revenue 2023: $72,347,605Expenses 2023: $68,221,104Net Income 2023: $4,126,5012023Revenue 2024: $76,251,267Expenses 2024: $76,831,381Net Income 2024: -$580,1142024

Highlighted filing

2017

Revenue$28,236,946
Expenses$24,268,196
Net Income$3,968,750
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 13, 2018
Return Version
2017v2.2
Gross Receipts
$67,462,562
Mission and Program Overview

Mission

To provide financial services to members with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$336,270,956$367,217,182▲ $30,946,226
Investments in Publicly Traded Securities$79,714,655$62,255,261▼ $17,459,394
Rtn Earn Endowment Incm Other Fnds$50,230,512$54,109,804▲ $3,879,292
Land, Buildings, and Equipment, Net$17,430,474$18,406,183▲ $975,709
Cash and Non-Interest-Bearing Accounts$5,854,196$7,732,094▲ $1,877,898
Receivables From Officers Etc$0$5,780,432▲ $5,780,432
Savings and Temporary Cash Investments$-144,494$4,309,534▲ $4,454,028
Investments Other Securities$2,975,274$3,288,076▲ $312,802
Accounts Receivable$1,458,004$2,473,758▲ $1,015,754
Intangible Assets$2,671,712$2,337,748▼ $333,964
Prepaid Expenses and Deferred Charges$452,907$615,998▲ $163,091
Receivable From Disqualified Prsn-$0-
Investments Program Related$0--
Loans From Officers Directors-$0-
Total Assets$458,969,484$488,650,887▲ $29,681,403
Other Assets Total$12,285,800$14,234,621▲ $1,948,821
Liabilities
Other Liabilities$398,360,060$422,436,493▲ $24,076,433
Accounts Payable and Accrued Expenses$3,816,912$6,104,590▲ $2,287,678
Mortgage Notes Payable Secured by Investment Property$6,562,000$6,000,000▼ $562,000
Total Liabilities$408,738,972$434,541,083▲ $25,802,111
Net Assets / Fund Balance
Total Net Assets Fund Balance$50,230,512$54,109,804▲ $3,879,292
Total Liabilities and Net Assets / Fund Balance$458,969,484$488,650,887▲ $29,681,403

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$8,958,454-$8,958,454
Land$4,411,048-$4,411,048
Equipment$3,308,270-$3,308,270
Other Land Buildings$1,728,411-$1,728,411
Compensation and Service Providers
Top Officer Pay29th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
-CEOFT$256,670$69,847$326,517
-PresidentFT$208,301$58,317$266,618
-VP Commercial LendingFT$81,101$85,002$166,103
-VP FinanceFT$105,278$17,847$123,125
-VP Commercial ServicesFT$107,483$12,437$119,920
-VP Information TechnologyFT$101,428$17,584$119,012
-VP Human ResourcesFT$103,345$7,779$111,124

Board Members and Trustees

NameTitle
-Chairman
-Vice Chairman
-Director
-Director (Partial Year)
-Secretary
-Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Dei IncorporatedConstruction contractors1550 KEMPER MEADOW DRIVE, Cincinnati, OH 45240$920,000
Edge OneATM/ITM Maintenance161 BUSINESS PARK CIRCLE, Stoughton, WI 53589$663,601
Jack Henry And Associatesemployee/member servicesPO BOX 609, Monett, MO 65708$539,376
Q2 SoftwareOnline BankingPO BOX 205970, Dallas, TX 75320-5970$406,888
IdscomProductions Services: Member Statements/e-statements747 E WHITCOMB AVE, Madison Heights, MI 48071$296,565
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$26,348,278
Investment Income
$1,725,010
Other Revenue
$163,658
Change in Net Assets
$3,968,750

Audited Revenue Reconciliation

Revenue per Audited Statements
$28,236,946
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-89,458
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$28,147,488
Total Revenue per Form 990
$28,236,946
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$14,467,375
Salaries, Compensation, and Employee Benefits$9,800,821
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,112,309
Office Expenses---$2,123,629
Depreciation Depletion---$1,726,031
Interest---$1,230,749
Other Employee Benefits---$1,193,305
Occupancy---$842,800
Other Expenses---$809,268
Advertising---$648,450
Payroll Taxes---$634,718
Current Officers, Directors, Trustees, and Key Employees---$593,135
Fees for Services Other$0$0$0$578,355
All Other Expenses$0$0$0$543,265
Pension Plan Contributions---$267,354
Insurance---$224,277
Information Technology---$177,283
Conferences and Meetings---$99,076
Fees for Services Accounting---$54,219
Travel---$35,887
Payments to Affiliates---$34,616
Total Functional Expenses$0$0$0$24,268,196

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$24,268,196
Total Expenses per Audited Statements$24,268,196
Total Expenses per Form 990$24,268,196
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$0$5,780,432▲ $5,780,432
Loans from Officers, Directors, Trustees, and Key Employees-$0-
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$141,405,816
Money Market Shares$110,804,359
Checking$94,297,483
Share Certificates$39,487,087
Ira Accounts$25,879,028
All Other Shares$10,562,720
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
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6 Classes of members or stockholders

“The credit union has a single class of members with equal rights of ownership, governance and voting.”

Form 990, Part VI, Line 7A Members or stockholders electing members of governing body

“Members vote and elect board members at the annual meeting”

Form 990, Part VI, Line 7B Decisions requiring approval by members or stockholders

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

Form 990, Part VI, Line 11B Review of form 990 by governing body

“Management reviews the tax returns and forwards US Form 8879-EO to the tax preparer.”

Form 990, Part VI, Line 15A Process to establish compensation of top management official

“The CEO receives a performance appraisal from the entire board and then the compensation committee makes a recommendation to the board for compensation based on the results of the appraisal. Wage ranges are set based on compensable factors using Compease (a company that looks at national, regional, state and area compensation surveys). This process takes place annually, and is documented in Compensation Committee minutes. Results are reported to the board, but the details are in the Compensation Committee minutes.”

Form 990, Part VI, Line 15B Process to establish compensation of other employees

“The President receives a performance appraisal from the entire board and then the compensation committee makes a recommendation to the board for compensation based on the results of the appraisal. Wage ranges are set based on compensable factors using Compease (a company that looks at national, regional, state and area compensation surveys). For other officers and key employees- performance appraisals are conducted by either the President or the CEO with compensation levels also set using Compease. This process takes place annually, and is documented in Compensation Committee minutes. Results are reported to the board, but the details are in the Compensation Committee minutes.”

Form 990, Part VI, Line 19 Required documents available to the public

“Monthly financials are available upon request at credit union offices. Other governing documents are available for review upon request at 101 N. Park St., Traverse City, MI.”

Form 990, Part VI, Section B, Line 12A Conflict of Interest Policy

“For employees - the Conflict of Interest language is included in Employee Handbook which each new employee must read and sign acknowledge that they understand they must comply. The Board of Directors sign a conflict of interest policy when they first become a board member. The policy states that they must report any conflicts of interest.”

Filing and Contact Details

Filer

Filer Name
Credit Unions Chartered in the State of Michigan 4 Front Credit Union
EIN
38-1524350
Phone
2319292000
Address
101 North Park Street, Traverse City, MI 49684
Doing Business As
4 Front Credit Union

Signing Officer

Name
David Leusink
Title
CEO
Signed
2018-11-13
Discuss with paid preparer
Yes

Organization Details

Formed
1954
Legal Domicile
Mi
Voting Board Members
11
Independent Board Members
11
Employees
231
Volunteers
11

Preparer

Firm
Crowe Llp
Address
225 West Wacker Drive Suite 2600, Chicago, IL 60606-1224
Preparer
Nicole Bencik
Phone
3128997000
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C Committee for oversight of audit

“The credit union's financial statement audit is performed by independent accountants for the twelve-months ended March 31. There are no revenue/expense items that are included in the audited financial that would not be reported in Form 990. There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”

Financial Statement Notes

Schedule D, Part X, Line 2 FIN 48 (ASC 740) footnote

“The credit union is exempt, by statute, from federal taxes on income related to the exempt purpose of the credit union. The credit union is a state-chartered credit union described in internal revenue code ("irc") section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (as defined in section 512) derived by state-chartered credit unions. Many states have similar laws. The specific application of section 512 to the various activities conducted by state-chartered credit unions has been an issue for many years. The internal revenue service ("irs") issued a series of technical advice memoranda ("tam") to a number of state chartered credit unions located throughout the country. In these tams, the irs ruled certain products and services to be subject to taxation as unrelated business income. In light of the tams, the credit union has assessed its activities and any potential federal or state income tax liability. In the opinion of management, any liability arising from federal or state taxation of activities deemed to be unrelated to its exempt purpose is not expected to have a material effect on the credit union's financial condition or results of operations. The credit union's income tax filings are subject to audit by various taxing authorities and open tax periods include 2014-2017.”

Raw XML AppendixShowing 400 of 622 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt7Sandra Lepage
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt8Tom Wolf
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt9Todd Rohrback
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt10Michael Slater
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt11Brian Ausdemore
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt12Bryan Lindfors
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt13David Leusink
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt14Andrew Kempf
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt15George Streit
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt16Timothy Timmer
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt17Amy Essex
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt18Shelley DeYoung
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine1Txt19Debra Seelye
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director (Partial Year)
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director (Partial Year)
IRS990/Form990PartVIISectionAGrp/TitleTxt9Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt10Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt11Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt12Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt13CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt14President
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP Commercial Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP Commercial Services
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP Finance
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP Human Resources
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP Information Technology
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IRS990/GrantsToOrganizationsInd0false
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IRS990/IncludeFIN48FootnoteInd0true
IRS990/IndependentAuditFinclStmtInd0true
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IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0177283
IRS990/InsuranceGrp/TotalAmt0224277
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IRS990/InvestmentsPubTradedSecGrp/EOYAmt062255261
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IRS990/LoanOutstandingInd0true
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IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt06000000
IRS990/NetAssetsOrFundBalancesBOYAmt050230512
IRS990/NetAssetsOrFundBalancesEOYAmt054109804
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0176321
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0176321
IRS990/NetUnrelatedBusTxblIncmAmt022024
IRS990/NetUnrlzdGainsLossesInvstAmt0-89458
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0842800
IRS990/OfficeExpensesGrp/TotalAmt02123629
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherAssetsTotalGrp/EOYAmt014234621
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01193305
IRS990/OtherExpensesGrp/Desc0debit/credit expenses
IRS990/OtherExpensesGrp/Desc1loan servicing
IRS990/OtherExpensesGrp/Desc2provision for loan loss
IRS990/OtherExpensesGrp/Desc3maintenance
IRS990/OtherExpensesGrp/TotalAmt02216315
IRS990/OtherExpensesGrp/TotalAmt11340639
IRS990/OtherExpensesGrp/TotalAmt21782516
IRS990/OtherExpensesGrp/TotalAmt3809268
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IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/BusinessCd2524298
IRS990/OtherRevenueMiscGrp/Desc0other
IRS990/OtherRevenueMiscGrp/Desc1nonmember atm fees
IRS990/OtherRevenueMiscGrp/Desc2insurance reimbursement
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IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt124078
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt224078
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0615998
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0Andrew Kempf
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0interest on loans
IRS990/ProgramServiceRevenueGrp/Desc1other prog serv revenue
IRS990/ProgramServiceRevenueGrp/Desc2fees & charges
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14195888
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt23442065
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14195888
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23442065
IRS990/ProgSrvcAccomActy2Grp/Desc0The credit union provides a variety of loans to members including real estate, credit card, vehicle and others. The total number of loans outstanding at 12/31/17 was 41,035.
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IRS990/PYOtherExpensesAmt012368243
IRS990/PYOtherRevenueAmt0155067
IRS990/PYProgramServiceRevenueAmt023109460
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IRS990/RelatedOrganizationCtrlEntInd0false
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IRS990/RentalIncomeOrLossGrp/RealAmt00
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IRS990/ReportLandBuildingEquipmentInd0true

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$488,650,887
Liabilities
$434,541,083
Net assets
$54,109,804
Revenue
$28,236,946
Expenses
$24,268,196
Net income
$3,968,750
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,029$943$85.5$76.3$76.8$0.58
2023Detailed filing. Detailed filing data is available for this year.$1,087$1,004$82.6$72.3$68.2$4.13
2022Detailed filing. Detailed filing data is available for this year.$1,010$934$76.2$56.7$45.2$11.5
2021Detailed filing. Detailed filing data is available for this year.$897$817$80.1$51.9$42.4$9.42
2020Detailed filing. Detailed filing data is available for this year.$742$669$73.4$43.2$36.7$6.51
2019Detailed filing. Detailed filing data is available for this year.$560$495$65.6$39.2$34.4$4.79
2018Detailed filing. Detailed filing data is available for this year.$516$457$59.2$34.3$28.4$5.86
2017Detailed filing. Detailed filing data is available for this year.$489$435$54.1$28.2$24.3$3.97
2016Detailed filing. Detailed filing data is available for this year.$459$409$50.2$25.2$21.2$4.03
2015Detailed filing. Detailed filing data is available for this year.$427$380$46.4$22.5$21.0$1.47
2014Detailed filing. Detailed filing data is available for this year.$228$205$23.1$12.1$10.7$1.34
2013Detailed filing. Detailed filing data is available for this year.$218$198$20.7$11.1$9.74$1.36
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$210$190$20.1$10.8
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$197$178$18.9$11.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$186$168$17.7$12.0