Civic Intelligence

Utilities Credit Union

990 • Fiscal year 2016 • EIN 39-1017036

Jan 01, 2016 to Dec 31, 2016 • Filed on May 12, 2017

Organization Profilewww.myucu.org
PO Box 8Eau Claire, WI 54702-0008

(715) 737-2467

Siviq Scores

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

Liabilities / Assets

67th percentile

0.88x

Higher debt load relative to assets than 67% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Liabilities / Revenue

91st percentile

35.01x

Higher debt load relative to revenue than 91% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Net Margin

33rd percentile

1.7%

Higher net margin than 33% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Top Officer Pay

18th percentile

$17,880

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 9.1% of source-year revenue.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Asset Growth

12th percentile

-4.5%

Faster asset growth than 12% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Revenue Growth

58th percentile

2.2%

Faster revenue growth than 58% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets67th percentile

Assets

Down

$7,769,269

Down $369,503 (-4.5%) from 2015

Net Assets

Up

$902,999

Up $3,339 (+0.4%) from 2015

Liabilities

Down

$6,866,270

Down $372,842 (-5.2%) from 2015

Revenue And Expenses
Liabilities / Revenue91st percentileNet Margin33rd percentile

Revenue

Up

$196,125

Up $4,200 (+2.2%) from 2015

Expenses

Up

$192,786

Up $4,121 (+2.2%) from 2015

Net Income

Up

$3,339

Up $79 (+2.4%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth12th percentile

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

$10M$5.0M$0Assets 2011: $9,336,491Liabilities 2011: $8,499,476Net Assets 2011: $837,0152011Assets 2012: $9,071,371Liabilities 2012: $8,191,682Net Assets 2012: $879,6892012Assets 2014: $8,463,043Liabilities 2014: $7,566,643Net Assets 2014: $896,4002014Assets 2015: $8,138,772Liabilities 2015: $7,239,112Net Assets 2015: $899,6602015Assets 2016: $7,769,269Liabilities 2016: $6,866,270Net Assets 2016: $902,9992016Assets 2017: $7,240,142Liabilities 2017: $6,333,010Net Assets 2017: $907,1322017Assets 2018: $6,594,770Liabilities 2018: $5,680,602Net Assets 2018: $914,1682018Assets 2019: $6,898,442Liabilities 2019: $5,969,586Net Assets 2019: $928,8562019Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2016

Assets$7,769,269
Liabilities$6,866,270
Net Assets$902,999
Open 2016 Filing

Operations Trend

Revenue Growth58th percentile

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

$1.0M$500K$0-$500KExpenses 2011: $221,8362011Revenue 2012: $235,981Expenses 2012: $193,307Net Income 2012: $42,6742012Revenue 2014: $202,306Expenses 2014: $197,358Net Income 2014: $4,9482014Revenue 2015: $191,925Expenses 2015: $188,665Net Income 2015: $3,2602015Revenue 2016: $196,125Expenses 2016: $192,786Net Income 2016: $3,3392016Revenue 2017: $201,762Expenses 2017: $197,629Net Income 2017: $4,1332017Revenue 2018: $226,713Expenses 2018: $219,677Net Income 2018: $7,0362018Revenue 2019: $239,978Expenses 2019: $225,287Net Income 2019: $14,6912019Revenue 2021: $100,000Expenses 2021: $553,653Net Income 2021: -$453,6532021

Highlighted filing

2016

Revenue$196,125
Expenses$192,786
Net Income$3,339
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 12, 2017
Return Version
2016v3.0
Gross Receipts
$196,125
Mission and Program Overview

Mission

Provide competitive share dividends and competitive loan rates to members through secured loans, unsecured loans, home equity lines of credit loans and credit card program.

Provide competitive share dividends and competitive loan rates to members through secured, unsecured, home equity lines of credit loans and credit card program.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,890,086$3,676,536▼ $213,550
Investments Program Related$2,960,242$3,179,823▲ $219,581
Rtn Earn Endowment Incm Other Fnds$899,660$902,999▲ $3,339
Savings and Temporary Cash Investments$901,581$518,206▼ $383,375
Receivables From Officers Etc$165,278$187,491▲ $22,213
Cash and Non-Interest-Bearing Accounts$110,361$97,634▼ $12,727
Prepaid Expenses and Deferred Charges$11,600$18,099▲ $6,499
Land, Buildings, and Equipment, Net$4,687$1,954▼ $2,733
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0--
Total Assets$8,138,772$7,769,269▼ $369,503
Other Assets Total$94,937$89,526▼ $5,411
Liabilities
Other Liabilities$7,235,046$6,862,045▼ $373,001
Accounts Payable and Accrued Expenses$4,066$4,225▲ $159
Grants Payable$0--
Mortgage Notes Payable Secured by Investment Property$0--
Unsecured Notes Loans Payable$0--
Deferred Revenue$0--
Escrow Account Liability$0--
Tax Exempt Bond Liabilities$0--
Total Liabilities$7,239,112$6,866,270▼ $372,842
Net Assets / Fund Balance
Total Net Assets Fund Balance$899,660$902,999▲ $3,339
Total Liabilities and Net Assets / Fund Balance$8,138,772$7,769,269▼ $369,503

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,954$55,662$57,616
Investment Program Related Org$3,179,823--
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay18th percentile

Employees

NameTitleFull / Part TimeBaseTotal
David AmansPresident-TreasurerPT$17,880$17,880
John NessChairman-$620$620

Board Members and Trustees

NameTitle
Jesse AndersonVice Chairman
Kelsey HendricksonDirector
Lori DrillingDirector
Paul SeipelDirector
Robert StabeDirector
Scott SeaholmDirector
Theresa TheisenDirector
Thomas BachmeierDirector
Rebecca McIlhargeySecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$154,315
Investment Income
$41,810
Other Revenue
$0
Change in Net Assets
$3,339
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$98,077
Other Expenses$94,709
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$72,927
Current Officers, Directors, Trustees, and Key Employees---$17,880
Office Expenses---$14,191
Information Technology---$8,032
Other Expenses---$8,029
Payroll Taxes---$7,270
All Other Expenses---$6,320
Insurance---$5,334
Depreciation Depletion---$3,262
Fees for Services Accounting---$2,598
Advertising---$358
Conferences and Meetings---$250
Total Functional Expenses$0$0$0$192,786
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$165,278$187,491▲ $22,213
Loans from Officers, Directors, Trustees, and Key Employees$0--
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Credit Union member regular shares & trust accts$6,862,045
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union consists of eligible members within the field of membership as stated in Utilities Credit Union By-Laws.”

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

“Board of Directors are voted upon by the general membership at the annual meeting of the credit union.”

Form 990, Part VI, Section B, Line 11B

“Review is performed by another credit union employee at the time of filing, then reviewed by examining committee during semi-annual audits.”

Form 990, Part VI, Section B, Line 15

“Personnel committee establishes salary range based on salary survey for presidents and recommends yearly salary to Board of Directors for their voting approval. Salary recommendation is determined based on annual performance review.”

Form 990, Part VI, Section C, Line 19

“Documents are provided upon request. Financials are provided to members attending annual meeting.”

Filing and Contact Details

Filer

Filer Name
Utilities Credit Union
EIN
39-1017036
Phone
7157372467
Address
PO Box 8, Eau Claire, WI 54702-0008

Signing Officer

Name
David Amans
Title
President-Treasurer
Phone
7157372467
Signed
2017-05-12

Organization Details

Principal Officer
David Amans
Formed
1932
Legal Domicile
Wi
Voting Board Members
11
Independent Board Members
10
Employees
5
Volunteers
21
Raw XML AppendixShowing 400 of 596 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/OtherExpensesGrp/TotalAmt027354
IRS990/OtherExpensesGrp/TotalAmt112194
IRS990/OtherExpensesGrp/TotalAmt26787
IRS990/OtherExpensesGrp/TotalAmt38029
IRS990/OtherLiabilitiesGrp/BOYAmt07235046
IRS990/OtherLiabilitiesGrp/EOYAmt06862045
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt072927
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt03890086
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt03676536
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt07270
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt011600
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt018099
IRS990/PrincipalOfficerNm0David Amans
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans
IRS990/ProgramServiceRevenueGrp/Desc1Fee Income
IRS990/ProgramServiceRevenueGrp/Desc2Loan Insurance
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0151687
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12099
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt20
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0151687
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12099
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2529
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt2529
IRS990/ProgSrvcAccomActy2Grp/Desc0Provide home equity lines of credit loans to members. During 2016, 58 advances on lines of credit. 49 loans with a balance of $1,652,913 as of December 31, 2016.
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt058782
IRS990/ProgSrvcAccomActy3Grp/Desc0Provide unsecured loans to members. Approved 212 advances to members with unsecured lines of credit in 2016. 86 loans with a balance of $222,025 as of December 31, 2016.
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt019497
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt033948
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt098226
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0157977
IRS990/PYRevenuesLessExpensesAmt03260
IRS990/PYSalariesCompEmpBnftPaidAmt090439
IRS990/PYTotalExpensesAmt0188665
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0191925
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0165278
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0187491
IRS990/ReconcilationRevenueExpnssAmt03339
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt053164
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0899660
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0902999
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0901581
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0518206
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt01954
IRS990ScheduleD/EquipmentGrp/DepreciationAmt055662
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt057616
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt03179823
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Certificates of Deposit with other Fin'l Institutions
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt06862045
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Credit Union member regular shares & trust accts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01954
IRS990ScheduleD/TotalBookValueProgramRltdAmt03179823
IRS990ScheduleD/TotalLiabilityAmt06862045
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt020916
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1187
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt21859
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt31182
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt45781
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt590069
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt62420
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt71388
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt810925
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt938850
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt10273
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt11908
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt129477
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt131772
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt141484
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd71
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd81
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd91
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd101
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd111
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd121
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd131

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$7,769,269
Liabilities
$6,866,270
Net assets
$902,999
Revenue
$196,125
Expenses
$192,786
Net income
$3,339
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.10$0.55$0.45
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.90$5.97$0.93$0.24$0.23$0.01
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.59$5.68$0.91$0.23$0.22$0.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.24$6.33$0.91$0.20$0.20$0.00
2016Detailed filing. Detailed filing data is available for this year.$7.77$6.87$0.90$0.20$0.19$0.00
2015Detailed filing. Detailed filing data is available for this year.$8.14$7.24$0.90$0.19$0.19$0.00
2014Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$8.46$7.57$0.90$0.20$0.20$0.00
2012Summary only. Only limited summary data is available for this year.$9.07$8.19$0.88$0.24$0.19$0.04
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.34$8.50$0.84$0.22