Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2014 • EIN 38-6084711

Jan 01, 2014 to Dec 31, 2014 • Filed on Mar 28, 2015

Organization Profilewww.gratiotcu.org
211 W Center StAlma, MI 48801

(989) 463-8321

Siviq Scores

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

Liabilities / Assets

86th percentile

0.91x

Higher debt load relative to assets than 86% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

43rd percentile

18.69x

Higher debt load relative to revenue than 43% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

62nd percentile

10%

Higher net margin than 62% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

25th percentile

$77,495

Higher top officer pay than 25% of similar nonprofits.

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

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Asset Growth

78th percentile

5.1%

Faster asset growth than 78% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

89th percentile

8.8%

Faster revenue growth than 89% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$28,643,612

Up $1,379,781 (+5.1%) from 2013

Net Assets

Up

$2,457,018

Up $142,373 (+6.2%) from 2013

Liabilities

Up

$26,186,594

Up $1,237,408 (+5.0%) from 2013

Revenue And Expenses
Liabilities / Revenue43rd percentileNet Margin62nd percentile

Revenue

Up

$1,401,324

Up $113,273 (+8.8%) from 2013

Expenses

Up

$1,258,951

Up $6,328 (+0.5%) from 2013

Net Income

Up

$142,373

Up $106,945 (+302%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth78th percentile

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

$60M$40M$20M$0Assets 2010: $21,490,731Liabilities 2010: $19,220,715Net Assets 2010: $2,270,0162010Assets 2011: $24,680,423Liabilities 2011: $22,463,600Net Assets 2011: $2,216,8232011Assets 2012: $26,186,830Liabilities 2012: $23,907,613Net Assets 2012: $2,279,2172012Assets 2013: $27,263,831Liabilities 2013: $24,949,186Net Assets 2013: $2,314,6452013Assets 2014: $28,643,612Liabilities 2014: $26,186,594Net Assets 2014: $2,457,0182014Assets 2015: $29,896,291Liabilities 2015: $27,307,546Net Assets 2015: $2,588,7452015Assets 2016: $32,469,941Liabilities 2016: $29,613,419Net Assets 2016: $2,856,5222016Assets 2017: $35,681,333Liabilities 2017: $32,602,712Net Assets 2017: $3,078,6212017Assets 2018: $34,990,074Liabilities 2018: $31,711,625Net Assets 2018: $3,278,4492018Assets 2019: $37,235,480Liabilities 2019: $33,505,944Net Assets 2019: $3,729,5362019Assets 2020: $46,854,402Liabilities 2020: $42,958,413Net Assets 2020: $3,895,9892020Assets 2021: $53,382,420Liabilities 2021: $49,497,473Net Assets 2021: $3,884,9472021Assets 2022: $55,615,153Liabilities 2022: $51,779,445Net Assets 2022: $3,835,7082022Assets 2023: $54,922,512Liabilities 2023: $50,894,100Net Assets 2023: $4,028,4122023Assets 2024: $55,538,683Liabilities 2024: $51,100,821Net Assets 2024: $4,437,8622024

Highlighted filing

2014

Assets$28,643,612
Liabilities$26,186,594
Net Assets$2,457,018
Open 2014 Filing

Operations Trend

Revenue Growth89th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $1,125,4162010Expenses 2011: $1,154,2682011Expenses 2012: $1,204,4292012Revenue 2013: $1,288,051Expenses 2013: $1,252,623Net Income 2013: $35,4282013Revenue 2014: $1,401,324Expenses 2014: $1,258,951Net Income 2014: $142,3732014Revenue 2015: $1,490,459Expenses 2015: $1,304,188Net Income 2015: $186,2712015Revenue 2016: $1,625,409Expenses 2016: $1,408,064Net Income 2016: $217,3452016Revenue 2017: $1,797,826Expenses 2017: $1,538,128Net Income 2017: $259,6982017Revenue 2018: $1,954,756Expenses 2018: $1,638,348Net Income 2018: $316,4082018Revenue 2019: $1,975,302Expenses 2019: $1,738,933Net Income 2019: $236,3692019Revenue 2020: $1,888,399Expenses 2020: $1,810,158Net Income 2020: $78,2412020Revenue 2021: $2,101,369Expenses 2021: $1,994,934Net Income 2021: $106,4352021Revenue 2022: $2,625,558Expenses 2022: $2,417,273Net Income 2022: $208,2852022Revenue 2023: $3,281,319Expenses 2023: $3,104,507Net Income 2023: $176,8122023Revenue 2024: $3,858,840Expenses 2024: $3,440,716Net Income 2024: $418,1242024

Highlighted filing

2014

Revenue$1,401,324
Expenses$1,258,951
Net Income$142,373
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Mar 28, 2015
Return Version
2014v5.0
Gross Receipts
$1,401,324
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$14,926,241$15,156,686▲ $230,445
Investments Other Securities$6,347,550$7,697,625▲ $1,350,075
Savings and Temporary Cash Investments$3,571,608$3,312,065▼ $259,543
Rtn Earn Endowment Incm Other Fnds$2,314,645$2,457,018▲ $142,373
Cash and Non-Interest-Bearing Accounts$1,073,460$1,179,898▲ $106,438
Land, Buildings, and Equipment, Net$731,507$725,390▼ $6,117
Prepaid Expenses and Deferred Charges$61,618$294,411▲ $232,793
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$27,263,831$28,643,612▲ $1,379,781
Other Assets Total$551,847$277,537▼ $274,310
Liabilities
Other Liabilities$24,886,220$26,018,039▲ $1,131,819
Accounts Payable and Accrued Expenses$62,966$168,555▲ $105,589
Total Liabilities$24,949,186$26,186,594▲ $1,237,408
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,314,645$2,457,018▲ $142,373
Total Liabilities and Net Assets / Fund Balance$27,263,831$28,643,612▲ $1,379,781

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$580,399-$580,399
Other Land Buildings$-253,811$631,262$377,451
Land$254,753-$254,753
Leasehold Improvements$144,049-$144,049
Compensation and Service Providers
Top Officer Pay25th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Brenda L MillerGeneral ManagerFT$77,495$77,495

Board Members and Trustees

NameTitle
Mike MorrisChairman
David MerrittVice Chairman
Alan SchaferDirector
Clark HubbardDirector
Diane MalekDirector
Patty AllenDirector
William LafreniereDirector
Glenn RoseSecretary
William HeinzeTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
CUAnswersData Processing6000 28th Street SE Ste 100, Grand Rapids, MI 49546-
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,218,320
Investment Income
$167,675
Other Revenue
$15,329
Change in Net Assets
$142,373
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$760,384
Salaries, Compensation, and Employee Benefits$498,567
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$361,915
Office Expenses---$194,893
Fees for Services Accounting---$113,854
Current Officers, Directors, Trustees, and Key Employees---$77,495
Interest---$66,877
Depreciation Depletion---$60,375
Payroll Taxes---$37,597
Occupancy---$32,791
Other Employee Benefits---$21,560
Other Expenses---$19,999
Advertising---$16,546
Insurance---$14,130
All Other Expenses---$8,513
Travel---$5,220
Total Functional Expenses$0$0$0$1,258,951
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
Lobbying 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-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$14,258,653
Member Shares$11,759,386
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: Explanation of Classes of Members or Shareholder

“Section 501c(14) Credit Union is composed of members.”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“Mergers are voted on by entire membership.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“Signing Officer reviews tax returns and forwards signed Form 8879-EO to tax preparer. Board reviews tax returns at next scheduled meeting.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions.”

Filing and Contact Details

Filer

Filer Name
Gratiot Community Credit Union
EIN
38-6084711
Phone
9894638321
Address
211 W Center St, Alma, MI 48801

Signing Officer

Name
Brenda L Miller
Title
General Manager
Signed
2015-03-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brenda L Miller
Formed
1955
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
19
Volunteers
12

Preparer

Firm
Financial Standards Group Inc
Address
3615 NEWBURG ROAD, LOUISVILLE, KY 40218
Preparer
Robin Rivers
Phone
8005225820
Raw XML AppendixShowing 400 of 425 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/OccupancyGrp/TotalAmt032791
IRS990/OfficeExpensesGrp/TotalAmt0194893
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IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
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IRS990/OtherExpensesGrp/Desc1Loan Servicing Expenses
IRS990/OtherExpensesGrp/Desc2Provision for Loan Losses
IRS990/OtherExpensesGrp/Desc3Other Misc Operating Expenses
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IRS990/OtherExpensesGrp/TotalAmt185907
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IRS990/OtherExpensesGrp/TotalAmt319999
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IRS990/OtherRevenueMiscGrp/Desc0Insurance Reimbursements
IRS990/OtherRevenueMiscGrp/Desc1Non-Member ATM Fees
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt07405
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt17924
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt07405
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt17924
IRS990/OtherRevenueTotalAmt015329
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0294411
IRS990/PrincipalOfficerNm0Brenda L Miller
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IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0Credit Card Interchange
IRS990/ProgramServiceRevenueGrp/Desc1Fees & Charges
IRS990/ProgramServiceRevenueGrp/Desc2Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc3Other Operating Income
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1266153
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2763842
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3140111
IRS990/ProgSrvcAccomActy2Grp/Desc0The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2014 was 2,614.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0175221
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0735171
IRS990/PYOtherRevenueAmt017590
IRS990/PYProgramServiceRevenueAmt01095240
IRS990/PYRevenuesLessExpensesAmt035428
IRS990/PYSalariesCompEmpBnftPaidAmt0517452
IRS990/PYTotalExpensesAmt01252623
IRS990/PYTotalRevenueAmt01288051
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IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0142373
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IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02314645
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02457018
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03571608
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03312065
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0580399
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IRS990ScheduleD/LandGrp/BookValueAmt0254753
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0254753
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0144049
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0144049
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0-253811
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0631262
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0377451
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt014258653
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt111759386
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Member Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0725390
IRS990ScheduleD/TotalBookValueSecuritiesAmt07697625
IRS990ScheduleD/TotalLiabilityAmt026018039
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Section 501c(14) Credit Union is composed of members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Mergers are voted on by entire membership.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Signing Officer reviews tax returns and forwards signed Form 8879-EO to tax preparer. Board reviews tax returns at next scheduled meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
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IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsGrp/EOYAmt028643612
IRS990/TotalCompGreaterThan150KInd0false
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01258951
IRS990/TotalGrossUBIAmt015329
IRS990/TotalLiabilitiesBOYAmt024949186
IRS990/TotalLiabilitiesEOYAmt026186594
IRS990/TotalLiabilitiesGrp/BOYAmt024949186
IRS990/TotalLiabilitiesGrp/EOYAmt026186594
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02314645
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02457018
IRS990/TotalProgramServiceRevenueAmt01218320
IRS990/TotalReportableCompFromOrgAmt077495
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01385995
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01401324
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt015329
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt027263831
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt028643612
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt05220
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0214 W Center St
IRS990/USAddress/CityNm0Alma
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048801
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0www.gratiotcu.org
IRS990/WhistleblowerPolicyInd0false

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$28,643,612
Liabilities
$26,186,594
Net assets
$2,457,018
Revenue
$1,401,324
Expenses
$1,258,951
Net income
$142,373
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$55.5$51.1$4.44$3.86$3.44$0.42
2023Detailed filing. Detailed filing data is available for this year.$54.9$50.9$4.03$3.28$3.10$0.18
2022Detailed filing. Detailed filing data is available for this year.$55.6$51.8$3.84$2.63$2.42$0.21
2021Detailed filing. Detailed filing data is available for this year.$53.4$49.5$3.88$2.10$1.99$0.11
2020Detailed filing. Detailed filing data is available for this year.$46.9$43.0$3.90$1.89$1.81$0.08
2019Detailed filing. Detailed filing data is available for this year.$37.2$33.5$3.73$1.98$1.74$0.24
2018Detailed filing. Detailed filing data is available for this year.$35.0$31.7$3.28$1.95$1.64$0.32
2017Detailed filing. Detailed filing data is available for this year.$35.7$32.6$3.08$1.80$1.54$0.26
2016Detailed filing. Detailed filing data is available for this year.$32.5$29.6$2.86$1.63$1.41$0.22
2015Detailed filing. Detailed filing data is available for this year.$29.9$27.3$2.59$1.49$1.30$0.19
2014Detailed filing. Detailed filing data is available for this year.$28.6$26.2$2.46$1.40$1.26$0.14
2013Detailed filing. Detailed filing data is available for this year.$27.3$24.9$2.31$1.29$1.25$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.2$23.9$2.28$1.20
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.7$22.5$2.22$1.15
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.5$19.2$2.27$1.13
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