Civic Intelligence

Ripple Credit Union

990 • Fiscal year 2015 • EIN 39-0992061

Jan 01, 2015 to Dec 31, 2015 • Filed on Aug 12, 2016

PO Box 2346Oshkosh, WI 54903-2346

(920) 233-1140

Siviq Scores

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

Liabilities / Assets

76th percentile

0.90x

Higher debt load relative to assets than 76% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

52nd percentile

20.74x

Higher debt load relative to revenue than 52% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

15th percentile

-3.4%

Higher net margin than 15% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

55th percentile

$75,321

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 11.0% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

97th percentile

17%

Faster asset growth than 97% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

80th percentile

6.4%

Faster revenue growth than 80% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Assets

Up

$15,695,128

Up $2,314,398 (+17%) from 2014

Net Assets

Up

$1,544,740

Up $292,144 (+23%) from 2014

Liabilities

Up

$14,150,388

Up $2,022,254 (+17%) from 2014

Revenue

Up

$682,228

Up $41,076 (+6.4%) from 2014

Expenses

Up

$705,331

Up $93,662 (+15%) from 2014

Net Income

Down

-$23,103

Down $52,586 (-178%) from 2014

Historical Trend

Balance Sheet Trend

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

$40M$30M$20M$10M$0Assets 2010: $13,518,015Liabilities 2010: $12,555,199Net Assets 2010: $962,8162010Assets 2011: $13,166,937Liabilities 2011: $12,135,698Net Assets 2011: $1,031,2392011Assets 2012: $13,649,029Liabilities 2012: $12,559,574Net Assets 2012: $1,089,4552012Assets 2013: $13,393,162Liabilities 2013: $12,170,049Net Assets 2013: $1,223,1132013Assets 2014: $13,380,730Liabilities 2014: $12,128,134Net Assets 2014: $1,252,5962014Assets 2015: $15,695,128Liabilities 2015: $14,150,388Net Assets 2015: $1,544,7402015Assets 2017: $16,821,905Liabilities 2017: $15,076,661Net Assets 2017: $1,745,2442017Assets 2018: $17,761,083Liabilities 2018: $15,733,186Net Assets 2018: $2,027,8972018Assets 2019: $20,129,284Liabilities 2019: $17,720,763Net Assets 2019: $2,408,5212019Assets 2020: $25,337,183Liabilities 2020: $22,566,230Net Assets 2020: $2,770,9532020Assets 2024: $35,727,612Liabilities 2024: $30,931,250Net Assets 2024: $4,796,3622024

Highlighted filing

2015

Assets$15,695,128
Liabilities$14,150,388
Net Assets$1,544,740

Operations Trend

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $637,1992010Revenue 2011: $679,555Expenses 2011: $611,132Net Income 2011: $68,4232011Expenses 2012: $581,7232012Revenue 2013: $692,706Expenses 2013: $559,048Net Income 2013: $133,6582013Revenue 2014: $641,152Expenses 2014: $611,669Net Income 2014: $29,4832014Revenue 2015: $682,228Expenses 2015: $705,331Net Income 2015: -$23,1032015Revenue 2017: $871,700Expenses 2017: $725,494Net Income 2017: $146,2062017Revenue 2018: $1,096,804Expenses 2018: $814,151Net Income 2018: $282,6532018Revenue 2019: $1,314,857Expenses 2019: $934,233Net Income 2019: $380,6242019Revenue 2020: $1,429,173Expenses 2020: $1,066,741Net Income 2020: $362,4322020Revenue 2024: $2,361,545Expenses 2024: $1,769,812Net Income 2024: $591,7332024

Highlighted filing

2015

Revenue$682,228
Expenses$705,331
Net Income-$23,103
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 12, 2016
Return Version
2015v2.1
Gross Receipts
$682,228
Mission and Program Overview

Mission

To provide appropriate financial services to our members so they may increase their personal financial strength and stability.

To provide appropriate financial services to health care workers who are employed or reside in Winnebago County, Wisconsin, so that they may increase their personal financial strength and stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$11,249,589$11,456,184▲ $206,595
Savings and Temporary Cash Investments$1,316,811$3,349,419▲ $2,032,608
Rtn Earn Endowment Incm Other Fnds$1,252,596$1,544,740▲ $292,144
Land, Buildings, and Equipment, Net$453,459$437,468▼ $15,991
Cash and Non-Interest-Bearing Accounts$201,002$275,690▲ $74,688
Investments Program Related$121,292$133,037▲ $11,745
Prepaid Expenses and Deferred Charges$18,458$24,188▲ $5,730
Accounts Receivable$-255$68▲ $323
Total Assets$13,380,730$15,695,128▲ $2,314,398
Other Assets Total$20,374$19,074▼ $1,300
Liabilities
Other Liabilities$12,109,120$14,132,192▲ $2,023,072
Accounts Payable and Accrued Expenses$19,014$18,196▼ $818
Total Liabilities$12,128,134$14,150,388▲ $2,022,254
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,252,596$1,544,740▲ $292,144
Total Liabilities and Net Assets / Fund Balance$13,380,730$15,695,128▲ $2,314,398

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$258,376$18,926$277,302
Other Land Buildings$38,500$129,293$167,793
Land$132,000-$132,000
Equipment$8,592$87,499$96,091
Investment Program Related Org$133,037--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rita VoightPresidentFT$71,662$3,659$75,321

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$663,010
Investment Income
$15,294
Other Revenue
$3,924
Change in Net Assets
$-23,103
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$378,094
Other Expenses$327,237
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$240,752
Office Expenses---$76,335
Current Officers, Directors, Trustees, and Key Employees---$71,662
Payroll Taxes---$33,964
Occupancy---$31,636
Depreciation Depletion---$29,622
Other Employee Benefits---$28,441
Information Technology---$27,099
All Other Expenses---$19,385
Insurance---$10,369
Payments to Affiliates---$10,194
Other Expenses-$10,091-$10,091
Advertising---$5,198
Conferences and Meetings---$4,163
Pension Plan Contributions---$3,275
Fees for Services Accounting---$2,000
Fees for Services Legal---$1,905
Interest---$364
Total Functional Expenses$0$0$0$705,331
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$14,132,117
Accrued Dividends$75
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
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

Members or stockholder classes and rights Part VI line 6

The organization consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (Board of Directors).

Member election for additional members Part VI line 7A

The Board of Directors is elected by the membership utilizing their one vote per member.

Governing body decisions Part VI line 7B

Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organizations bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).

Form 990 governing body review Part VI line 11

Form 990 is provided to the board of directors and approved at our next scheduled board meeting.

Conflict of interest policy compliance Part VI line 12C

Annual review.

CEO executive director top management comp Part VI line 15A

The Board of Directors uses salary surveys through CUNA, the League and Oshkosh Area Chamber of Commerce

Other officer or key employee compensation Part VI line 15B

The Board of Directors uses salary surveys through CUNA, the League and Oshkosh Area Chamber of Commerce

Governing documents etc available to public Part VI line 19

Available at annual meeting and upon request.

Filing and Contact Details

Filer

Filer Name
Health Care Credit Union
EIN
39-0992061
Address
PO BOX 2346, Oshkosh, WI 54903-2346

Signing Officer

Name
Rita Voight
Title
President
Phone
9202331140
Signed
2016-08-12
Discuss with paid preparer
No

Organization Details

Principal Officer
Rita Voight
Formed
1960
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
12
Volunteers
7

Preparer

Firm
WCUL Services Corp
Address
N25W2313 Paul Rd Suite 500, Pewaukee, WI 53072
Preparer
Cari Thompson
Phone
2625490200
Supplemental Narrative

Additional Explanations

Unrelated business income explanation Part V line 3B

Extension filed for the Form 990-T

Explanation of other changes in net assets or fund balances Part XI line 9

Equity acquired in merger, net of payables

Raw XML Appendix398 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/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt26989
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0520326
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1133020
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22675
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt36989
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt02675
IRS990/ProgSrvcAccomActy2Grp/Desc0We have deposit, transaction, and investment accounts with 2455 members at 12/31. During 2015, we opened 1042 new deposit, transaction and investment accounts.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt017846
IRS990/PYOtherExpensesAmt0281372
IRS990/PYOtherRevenueAmt03270
IRS990/PYProgramServiceRevenueAmt0620036
IRS990/PYRevenuesLessExpensesAmt029483
IRS990/PYSalariesCompEmpBnftPaidAmt0330297
IRS990/PYTotalExpensesAmt0611669
IRS990/PYTotalRevenueAmt0641152
IRS990/ReconcilationRevenueExpnssAmt0-23103
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesRevenueGrp/ExclusionAmt03924
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt03924
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01252596
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01544740
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01316811
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03349419
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0258376
IRS990ScheduleD/BuildingsGrp/DepreciationAmt018926
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0277302
IRS990ScheduleD/EquipmentGrp/BookValueAmt08592
IRS990ScheduleD/EquipmentGrp/DepreciationAmt087499
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt096091
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0133037
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt0132000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0132000
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt038500
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0129293
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0167793
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt014132117
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt175
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares & Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Dividends
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0437468
IRS990ScheduleD/TotalBookValueProgramRltdAmt0133037
IRS990ScheduleD/TotalLiabilityAmt014132192
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Extension filed for the Form 990-T
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The organization consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (Board of Directors).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Board of Directors is elected by the membership utilizing their one vote per member.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organizations bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Form 990 is provided to the board of directors and approved at our next scheduled board meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Annual review.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The Board of Directors uses salary surveys through CUNA, the League and Oshkosh Area Chamber of Commerce
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7The Board of Directors uses salary surveys through CUNA, the League and Oshkosh Area Chamber of Commerce
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Available at annual meeting and upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Equity acquired in merger, net of payables
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Unrelated business income explanation Part V line 3b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Explanation of other changes in net assets or fund balances Part XI line 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt013380730
IRS990/TotalAssetsEOYAmt015695128
IRS990/TotalAssetsGrp/BOYAmt013380730
IRS990/TotalAssetsGrp/EOYAmt015695128
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt012
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0705331
IRS990/TotalGrossUBIAmt02675
IRS990/TotalLiabilitiesBOYAmt012128134
IRS990/TotalLiabilitiesEOYAmt014150388
IRS990/TotalLiabilitiesGrp/BOYAmt012128134
IRS990/TotalLiabilitiesGrp/EOYAmt014150388
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01252596
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01544740
IRS990/TotalOtherCompensationAmt03659
IRS990/TotalProgramServiceRevenueAmt0663010
IRS990/TotalReportableCompFromOrgAmt071662
IRS990/TotalRevenueGrp/ExclusionAmt019218
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0660335
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0682228
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02675
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt013380730
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt015695128
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.healthcarecu.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Rita Voight
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum09202331140
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-08-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Health Care Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0HEAL
ReturnHeader/Filer/EIN0390992061
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 2346
ReturnHeader/Filer/USAddress/CityNm0Oshkosh
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd0549032346
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0N25W2313 Paul Rd Suite 500
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Pewaukee
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd053072
ReturnHeader/PreparerPersonGrp/PhoneNum02625490200
ReturnHeader/PreparerPersonGrp/PreparationDt02016-08-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02016-08-12T17:03:24-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.7$30.9$4.80$2.36$1.77$0.59
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$25.3$22.6$2.77$1.43$1.07$0.36
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.1$17.7$2.41$1.31$0.93$0.38
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.8$15.7$2.03$1.10$0.81$0.28
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.8$15.1$1.75$0.87$0.73$0.15
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2015Detailed filing. Detailed filing data is available for this year.$15.7$14.2$1.54$0.68$0.71$0.02
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.4$12.1$1.25$0.64$0.61$0.03
2013Detailed filing. Detailed filing data is available for this year.$13.4$12.2$1.22$0.69$0.56$0.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.6$12.6$1.09$0.58
2011Summary only. Only limited summary data is available for this year.$13.2$12.1$1.03$0.68$0.61$0.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.5$12.6$0.96$0.64
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