Civic Intelligence

Ripple Credit Union

990 • Fiscal year 2016 • EIN 39-0992061

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 13, 2017

Organization Profilewww.healthcarecu.org

View Organization Page

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.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

48th percentile

20.05x

Higher debt load relative to revenue than 48% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

57th percentile

7.3%

Higher net margin than 57% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

55th percentile

$74,767

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 10.1% of source-year revenue.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

75th percentile

5.0%

Faster asset growth than 75% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

83rd percentile

8.8%

Faster revenue growth than 83% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$16,484,917

Up $789,789 (+5.0%) from 2015

Net Assets

Up

$1,599,038

Up $54,298 (+3.5%) from 2015

Liabilities

Up

$14,885,879

Up $735,491 (+5.2%) from 2015

Revenue And Expenses
Liabilities / Revenue48th percentileNet Margin57th percentile

Revenue

Up

$742,286

Up $60,058 (+8.8%) from 2015

Expenses

Down

$687,988

Down $17,343 (-2.5%) from 2015

Net Income

Up

$54,298

Up $77,401 (+335%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth75th percentile

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 2016: $16,484,917Liabilities 2016: $14,885,879Net Assets 2016: $1,599,0382016Assets 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

2016

Assets$16,484,917
Liabilities$14,885,879
Net Assets$1,599,038
Open 2016 Filing

Operations Trend

Revenue Growth83rd percentile

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 2016: $742,286Expenses 2016: $687,988Net Income 2016: $54,2982016Revenue 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

2016

Revenue$742,286
Expenses$687,988
Net Income$54,298
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 13, 2017
Return Version
2016v3.0
Gross Receipts
$742,286
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$11,456,184$11,169,062▼ $287,122
Savings and Temporary Cash Investments$3,349,419$4,170,750▲ $821,331
Rtn Earn Endowment Incm Other Fnds$1,544,740$1,599,038▲ $54,298
Cash and Non-Interest-Bearing Accounts$275,690$546,220▲ $270,530
Land, Buildings, and Equipment, Net$437,468$426,063▼ $11,405
Investments Program Related$133,037$141,329▲ $8,292
Prepaid Expenses and Deferred Charges$24,188$20,990▼ $3,198
Accounts Receivable$68$-10,079▼ $10,147
Total Assets$15,695,128$16,484,917▲ $789,789
Other Assets Total$19,074$20,582▲ $1,508
Liabilities
Other Liabilities$14,132,192$14,866,651▲ $734,459
Accounts Payable and Accrued Expenses$18,196$19,228▲ $1,032
Total Liabilities$14,150,388$14,885,879▲ $735,491
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,544,740$1,599,038▲ $54,298
Total Liabilities and Net Assets / Fund Balance$15,695,128$16,484,917▲ $789,789

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$251,028$30,521$281,549
Other Land Buildings$33,076$142,266$175,342
Land$132,000-$132,000
Equipment$9,959$90,755$100,714
Investment Program Related Org$141,329--
Compensation and Service Providers
Top Officer Pay55th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rita VoightPresidentFT$71,419$3,348$74,767

Board Members and Trustees

NameTitle
Elizabeth CummingsChairman
Ted BowenVice-Chair
Kim Jones VerstegenDirector
Sandy KochDirector
Terry GoodermuthDirector
Paula PedrettiSecretary
Sue HammersengTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$705,787
Investment Income
$31,965
Other Revenue
$4,534
Change in Net Assets
$54,298
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$358,750
Other Expenses$329,238
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$224,817
Current Officers, Directors, Trustees, and Key Employees---$71,419
Office Expenses---$68,318
Information Technology---$32,309
Other Employee Benefits---$29,988
Payroll Taxes---$29,588
Depreciation Depletion---$27,825
Occupancy---$23,851
All Other Expenses---$17,345
Other Expenses-$11,433-$11,433
Insurance---$10,390
Payments to Affiliates---$10,260
Fees for Services Legal---$7,403
Advertising---$5,672
Conferences and Meetings---$4,267
Pension Plan Contributions---$2,938
Fees for Services Accounting---$2,270
Total Functional Expenses$0$0$0$687,988
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$14,865,034
Accrued Dividends$1,617
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
2017-11-13
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
8
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”

Raw XML Appendix379 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/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesRevenueGrp/ExclusionAmt04534
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt04534
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01544740
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01599038
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03349419
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04170750
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0251028
IRS990ScheduleD/BuildingsGrp/DepreciationAmt030521
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0281549
IRS990ScheduleD/EquipmentGrp/BookValueAmt09959
IRS990ScheduleD/EquipmentGrp/DepreciationAmt090755
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0100714
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0141329
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt0132000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0132000
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt033076
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0142266
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0175342
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt014865034
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11617
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares & Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Dividends
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0426063
IRS990ScheduleD/TotalBookValueProgramRltdAmt0141329
IRS990ScheduleD/TotalLiabilityAmt014866651
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/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
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt015695128
IRS990/TotalAssetsEOYAmt016484917
IRS990/TotalAssetsGrp/BOYAmt015695128
IRS990/TotalAssetsGrp/EOYAmt016484917
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0687988
IRS990/TotalGrossUBIAmt02934
IRS990/TotalLiabilitiesBOYAmt014150388
IRS990/TotalLiabilitiesEOYAmt014885879
IRS990/TotalLiabilitiesGrp/BOYAmt014150388
IRS990/TotalLiabilitiesGrp/EOYAmt014885879
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01544740
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01599038
IRS990/TotalOtherCompensationAmt03348
IRS990/TotalProgramServiceRevenueAmt0705787
IRS990/TotalReportableCompFromOrgAmt071419
IRS990/TotalRevenueGrp/ExclusionAmt036499
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0702853
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0742286
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02934
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt015695128
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt016484917
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.healthcarecu.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Rita Voight
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum09202331140
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-11-13
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/FilingSecurityInformation/AtSubmissionCreationDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId03922392017318wj3xc5d
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02017-11-14
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt074.219.136.146
ReturnHeader/FilingSecurityInformation/IPDt02017-11-14
ReturnHeader/FilingSecurityInformation/IPTm013:56:09
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/PreparationDt02017-11-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02017-11-14T13:24:56-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$16,484,917
Liabilities
$14,885,879
Net assets
$1,599,038
Revenue
$742,286
Expenses
$687,988
Net income
$54,298
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
2016Detailed filing. Detailed filing data is available for this year.$16.5$14.9$1.60$0.74$0.69$0.05
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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
Peer Organizations

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