Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2016 • EIN 38-1603612

Jul 01, 2015 to Jun 30, 2016 • Filed on May 13, 2016

Organization ProfileN/A
400 E Nine MileFerndale, MI 48220

(248) 398-1210

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on this filing.

Source year 2016

Liabilities / Revenue

5th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Net Margin

12th percentile

-23%

Higher net margin than 12% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

92nd percentile

$64,894

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 5.8% of source-year revenue.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Asset Growth

3rd percentile

-100%

Faster asset growth than 3% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2016

Revenue Growth

3rd percentile

-37%

Faster revenue growth than 3% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2016

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $92,704,524 (-100%) from 2014

Net Assets

Down

$0

Down $7,931,521 (-100%) from 2014

Liabilities

Down

$0

Down $84,773,003 (-100%) from 2014

Revenue And Expenses
Liabilities / Revenue5th percentileNet Margin12th percentile

Revenue

Down

$1,123,786

Down $1,750,759 (-61%) from 2014

Expenses

Down

$1,383,403

Down $1,469,137 (-52%) from 2014

Net Income

Down

-$259,617

Down $281,622 (-1280%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth3rd percentile

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

$100M$50M$0Assets 2010: $86,300,294Liabilities 2010: $78,891,411Net Assets 2010: $7,408,8832010Assets 2011: $91,816,652Liabilities 2011: $83,166,191Net Assets 2011: $8,650,4612011Assets 2012: $92,249,006Liabilities 2012: $83,252,159Net Assets 2012: $8,996,8472012Assets 2013: $91,891,722Liabilities 2013: $84,456,664Net Assets 2013: $7,435,0582013Assets 2014: $92,704,524Liabilities 2014: $84,773,003Net Assets 2014: $7,931,5212014Assets 2016: $0Liabilities 2016: $0Net Assets 2016: $02016

Highlighted filing

2016

Assets$0
Liabilities$0
Net Assets$0
Open 2016 Filing

Operations Trend

Revenue Growth3rd percentile

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

$4.0M$2.0M$0-$2.0MExpenses 2010: $3,775,9902010Expenses 2011: $3,497,4752011Expenses 2012: $3,365,7212012Revenue 2013: $3,074,618Expenses 2013: $2,861,413Net Income 2013: $213,2052013Revenue 2014: $2,874,545Expenses 2014: $2,852,540Net Income 2014: $22,0052014Revenue 2016: $1,123,786Expenses 2016: $1,383,403Net Income 2016: -$259,6172016

Highlighted filing

2016

Revenue$1,123,786
Expenses$1,383,403
Net Income-$259,617
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2015 to Jun 30, 2016
Signed
May 13, 2016
Return Version
2015v2.1
Gross Receipts
$1,563,532
Mission and Program Overview

Mission

To meet the financial goals of our members with progressive products and services.

To provide financial services to member owners with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$58,074,610$0▼ $58,074,610
Other Notes and Loans Receivable, Net$23,288,236$0▼ $23,288,236
Rtn Earn Endowment Incm Other Fnds$7,931,521$0▼ $7,931,521
Investments Program Related$5,845,893$0▼ $5,845,893
Land, Buildings, and Equipment, Net$2,277,397$0▼ $2,277,397
Cash and Non-Interest-Bearing Accounts$1,887,221$0▼ $1,887,221
Prepaid Expenses and Deferred Charges$111,378$0▼ $111,378
Accounts Receivable$21,850$0▼ $21,850
Savings and Temporary Cash Investments$19,317$0▼ $19,317
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments in Publicly Traded Securities-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$92,704,524$0▼ $92,704,524
Other Assets Total$1,178,622$0▼ $1,178,622
Liabilities
Other Liabilities$84,566,722$0▼ $84,566,722
Accounts Payable and Accrued Expenses$206,281--
Total Liabilities$84,773,003$0▼ $84,773,003
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,931,521$0▼ $7,931,521
Total Liabilities and Net Assets / Fund Balance$92,704,524$0▼ $92,704,524
Compensation and Service Providers
Top Officer Pay92nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lisa CookPresident/CEOFT$60,235$4,659$64,894
Karen ToffoliVice President/CFOFT$48,552$9,547$58,099

Board Members and Trustees

NameTitle
Mark GrazioliChairperson
Caroline BarrettVice Chairperson
Ann HartmanDirector
Christine Dowhan-baileyDirector
John KettlerDirector
Mary DowDirector
Mary SissenDirector
Robert LepageDirector
Mary Ellen CarusoSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$690,767
Investment Income
$297,066
Other Revenue
$135,953
Change in Net Assets
$-259,617
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$748,720
Other Expenses$634,683
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$511,088
Information Technology---$172,671
Current Officers, Directors, Trustees, and Key Employees---$122,993
Occupancy---$112,386
Office Expenses---$89,588
Depreciation Depletion---$54,621
Payroll Taxes---$52,062
Other Employee Benefits---$40,752
Pension Plan Contributions---$21,825
Insurance---$20,514
Other Expenses---$11,368
Advertising---$4,059
Fees for Services Legal---$1,573
Fees for Services Accounting---$1,271
Fees for Services Other---$1,080
Conferences and Meetings---$191
All Other Expenses---$-23,032
Total Functional Expenses$0$0$0$1,383,403
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
Yes
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 4

“Good shepherd credit union merged with credit union one effective 6/30/15.”

Form 990, Part VI, Section A, Line 6

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

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

“The board of directors is elected by the membership at the annual meeting. Each board member is elected for a three year term.”

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

“Changes to the credit union bylaws must be approved by the members after they have been approved by the board of directors and the regulatory agency.”

Form 990, Part VI, Section B, Line 11

“A review is conducted by the president/ceo for complete accuracy prior to submission to the irs. The board chairman reviews prior to efiling and then the returns are made available to the board of directors for review.”

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

“Disclosure is required when any conflict of interests occur and there is continuous review.”

Form 990, Part VI, Section B, Line 15

“The compensation committee uses the michigan credit union league salary survey (compease) to help determine salary for the president/ceo and the vice president/cfo and makes recommendations to the board of directors. All compensation and bonuses are approved by the board of directors. This process of determining compensation was last completed in 2014.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union lobby. Other documents and policies are available for review upon request.”

Filing and Contact Details

Filer

Filer Name
Good Shepherd Credit Union
EIN
38-1603612
Phone
2483981210
Address
400 E NINE MILE, FERNDALE, MI 48220

Signing Officer

Name
Gary Moody
Title
President and CEO
Phone
2483981210
Signed
2016-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gary Moody
Formed
1957
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
34
Volunteers
0

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Robin D Hoag CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“MERGER -7,766,487.”

Raw XML AppendixShowing 400 of 409 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/TitleTxt3DIRECTOR
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1182650
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0508117
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1182650
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE MEMBERS WITH REAL ESTATE, NEW AND USED VEHICLES, RECREATIONAL VEHICLES, AND SIGNATURE LOANS.
IRS990/ProgSrvcAccomActy3Grp/Desc0OFFER ATM SERVICES, MONEY ORDERS, CHECK CASHING, TRAVELERS CHECKS, SAFETY DEPOSIT BOXES AND VARIOUS INSURANCE PROGRAMS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01191798
IRS990/PYOtherExpensesAmt01422483
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01682747
IRS990/PYRevenuesLessExpensesAmt022005
IRS990/PYSalariesCompEmpBnftPaidAmt01430057
IRS990/PYTotalExpensesAmt02852540
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02874545
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-259617
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07931521
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt019317
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleN/AssetsDistributedInd01
IRS990ScheduleN/AttorneyGeneralNotifiedInd01
IRS990ScheduleN/BondsOutstandingInd00
IRS990ScheduleN/DirectorOfSuccessorInd00
IRS990ScheduleN/EmployeeOfSuccessorInd00
IRS990ScheduleN/LiabilitiesPaidInd01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0ALL ASSETS DISTRIBUTED IN A MERGER.
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0CREDIT UNION ONE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02015-06-30
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0380536242
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt07766487
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0THE ASSETS ARE VALUED AT FAIR VALUE.
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt0400 E NINE MILE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0FERNDALE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0MI
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd048220
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0GOOD SHEPHERD CREDIT UNION MERGED WITH CREDIT UNION ONE EFFECTIVE 6/30/15.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE AND VOTING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP AT THE ANNUAL MEETING. EACH BOARD MEMBER IS ELECTED FOR A THREE YEAR TERM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CHANGES TO THE CREDIT UNION BYLAWS MUST BE APPROVED BY THE MEMBERS AFTER THEY HAVE BEEN APPROVED BY THE BOARD OF DIRECTORS AND THE REGULATORY AGENCY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A REVIEW IS CONDUCTED BY THE PRESIDENT/CEO FOR COMPLETE ACCURACY PRIOR TO SUBMISSION TO THE IRS. THE BOARD CHAIRMAN REVIEWS PRIOR TO EFILING AND THEN THE RETURNS ARE MADE AVAILABLE TO THE BOARD OF DIRECTORS FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DISCLOSURE IS REQUIRED WHEN ANY CONFLICT OF INTERESTS OCCUR AND THERE IS CONTINUOUS REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE COMPENSATION COMMITTEE USES THE MICHIGAN CREDIT UNION LEAGUE SALARY SURVEY (COMPEASE) TO HELP DETERMINE SALARY FOR THE PRESIDENT/CEO AND THE VICE PRESIDENT/CFO AND MAKES RECOMMENDATIONS TO THE BOARD OF DIRECTORS. ALL COMPENSATION AND BONUSES ARE APPROVED BY THE BOARD OF DIRECTORS. THIS PROCESS OF DETERMINING COMPENSATION WAS LAST COMPLETED IN 2014.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY. OTHER DOCUMENTS AND POLICIES ARE AVAILABLE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8MERGER -7,766,487.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt092704524
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt092704524
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt034
IRS990/TotalFunctionalExpensesGrp/TotalAmt01383403
IRS990/TotalGrossUBIAmt012099
IRS990/TotalLiabilitiesBOYAmt084773003
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt084773003
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07931521
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt014206
IRS990/TotalProgramServiceRevenueAmt0690767
IRS990/TotalReportableCompFromOrgAmt0108787
IRS990/TotalRevenueGrp/ExclusionAmt0297066
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0814621
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01123786
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt012099
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt092704524
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0400 E NINE MILE
IRS990/USAddress/CityNm0FERNDALE
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048220
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0GARY MOODY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT AND CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02483981210
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GOOD SHEPHERD CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0GOOD
ReturnHeader/Filer/EIN0381603612
ReturnHeader/Filer/PhoneNum02483981210
ReturnHeader/Filer/USAddress/AddressLine1Txt0400 E NINE MILE
ReturnHeader/Filer/USAddress/CityNm0FERNDALE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048220
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0382492570
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DOEREN MAYHEW
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0305 WEST BIG BEAVER ROAD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TROY

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$1,123,786
Expenses
$1,383,403
Net income
-$259,617
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$1.12$1.38$0.26
2014Detailed filing. Detailed filing data is available for this year.$92.7$84.8$7.93$2.87$2.85$0.02
2013Detailed filing. Detailed filing data is available for this year.$91.9$84.5$7.44$3.07$2.86$0.21
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$92.2$83.3$9.00$3.37
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$91.8$83.2$8.65$3.50
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$86.3$78.9$7.41$3.78
Peer Organizations

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