Civic Intelligence

Cone Credit Union

990 • Fiscal year 2015 • EIN 39-1137123

Jan 01, 2015 to Dec 31, 2015 • Filed on Sep 07, 2016

219 W Cecil StreetNeenah, WI 54956

(920) 886-6455

Siviq Scores

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

Liabilities / Assets

65th percentile

0.89x

Higher debt load relative to assets than 65% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

92nd percentile

31.60x

Higher debt load relative to revenue than 92% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

45th percentile

6.4%

Higher net margin than 45% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

61st percentile

$106,325

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 12.3% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

65th percentile

4.9%

Faster asset growth than 65% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

44th percentile

0.4%

Faster revenue growth than 44% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Assets

Up

$30,650,572

Up $1,422,970 (+4.9%) from 2014

Net Assets

Up

$3,297,695

Up $55,750 (+1.7%) from 2014

Liabilities

Up

$27,352,877

Up $1,367,220 (+5.3%) from 2014

Revenue

Up

$865,607

Up $3,149 (+0.4%) from 2014

Expenses

Up

$809,857

Up $102,152 (+14%) from 2014

Net Income

Down

$55,750

Down $99,003 (-64%) 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: $25,748,866Liabilities 2010: $23,161,833Net Assets 2010: $2,587,0332010Assets 2011: $28,348,893Liabilities 2011: $25,618,014Net Assets 2011: $2,730,8792011Assets 2012: $29,734,807Liabilities 2012: $26,793,356Net Assets 2012: $2,941,4512012Assets 2013: $29,105,851Liabilities 2013: $26,018,659Net Assets 2013: $3,087,1922013Assets 2014: $29,227,602Liabilities 2014: $25,985,657Net Assets 2014: $3,241,9452014Assets 2015: $30,650,572Liabilities 2015: $27,352,877Net Assets 2015: $3,297,6952015Assets 2016: $30,343,602Liabilities 2016: $26,946,773Net Assets 2016: $3,396,8292016Assets 2018: $28,331,778Liabilities 2018: $24,889,463Net Assets 2018: $3,442,3152018Assets 2019: $28,116,023Liabilities 2019: $24,885,171Net Assets 2019: $3,230,8522019Assets 2020: $29,072,322Liabilities 2020: $25,812,543Net Assets 2020: $3,259,7792020Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2015

Assets$30,650,572
Liabilities$27,352,877
Net Assets$3,297,695

Operations Trend

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $906,1452010Expenses 2011: $829,9362011Expenses 2012: $739,5872012Revenue 2013: $886,775Expenses 2013: $741,034Net Income 2013: $145,7412013Revenue 2014: $862,458Expenses 2014: $707,705Net Income 2014: $154,7532014Revenue 2015: $865,607Expenses 2015: $809,857Net Income 2015: $55,7502015Revenue 2016: $919,378Expenses 2016: $820,244Net Income 2016: $99,1342016Revenue 2018: $1,028,579Expenses 2018: $987,123Net Income 2018: $41,4562018Revenue 2019: $955,264Expenses 2019: $1,166,727Net Income 2019: -$211,4632019Revenue 2020: $965,563Expenses 2020: $936,636Net Income 2020: $28,9272020Revenue 2021: $408,194Expenses 2021: $428,207Net Income 2021: -$20,0132021

Highlighted filing

2015

Revenue$865,607
Expenses$809,857
Net Income$55,750
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Sep 7, 2016
Return Version
2015v2.1
Gross Receipts
$865,607
Mission and Program Overview

Mission

Constantly striving to better your financial future.

A not-for-profit member owned financial organization dedicated to providing its members a variety of financial products and services in a personal and professional manner at competitive rates encouraging regular savings and maintaining the credit union's long-term financial stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$18,377,169$19,476,872▲ $1,099,703
Savings and Temporary Cash Investments$9,755,183$10,023,170▲ $267,987
Rtn Earn Endowment Incm Other Fnds$3,241,945$3,297,695▲ $55,750
Investments Program Related$503,722$504,431▲ $709
Land, Buildings, and Equipment, Net$290,895$292,891▲ $1,996
Cash and Non-Interest-Bearing Accounts$206,088$177,330▼ $28,758
Prepaid Expenses and Deferred Charges$6,064$23,041▲ $16,977
Total Assets$29,227,602$30,650,572▲ $1,422,970
Other Assets Total$88,481$152,837▲ $64,356
Liabilities
Other Liabilities$25,957,006$27,247,360▲ $1,290,354
Unsecured Notes Loans Payable-$86,337-
Accounts Payable and Accrued Expenses$28,651$19,180▼ $9,471
Total Liabilities$25,985,657$27,352,877▲ $1,367,220
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,241,945$3,297,695▲ $55,750
Total Liabilities and Net Assets / Fund Balance$29,227,602$30,650,572▲ $1,422,970

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$212,194$34,186$246,380
Equipment$23,577$77,065$100,642
Land$57,120-$57,120
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Scott SauerPresidentFT$93,299$13,026$106,325

Board Members and Trustees

NameTitle
John OphovenChairman
Joe WenningerVice-chairma
Debra ScottDirector
Dennis AndersonDirector
Jim ReinkeDirector
Patty KundeDirector
John WeyenbergSecretary
Paul HauffeTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$767,414
Investment Income
$98,193
Other Revenue
$0
Change in Net Assets
$55,750
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$471,805
Salaries, Compensation, and Employee Benefits$338,052
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$201,431--$201,431
Current Officers, Directors, Trustees, and Key Employees$106,325--$106,325
Depreciation Depletion$57,084--$57,084
Office Expenses$53,618--$53,618
Payroll Taxes$24,576--$24,576
Fees for Services Accounting$22,558--$22,558
Other Expenses$16,490--$16,490
Occupancy$15,463--$15,463
Insurance$15,433--$15,433
Fees for Services Other$13,165--$13,165
All Other Expenses$12,096--$12,096
Conferences and Meetings$10,713--$10,713
Advertising$6,153--$6,153
Other Employee Benefits$5,720--$5,720
Fees for Services Legal$1,720--$1,720
Total Functional Expenses$809,857$0$0$809,857
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$27,236,989
Accrued Dividends$10,371
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
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, Page 6, 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 the governing body - the board of directors.

Form 990, Page 6, Part VI, Line 7A

The board of directors is elected by the membership utilizing their one vote per member.

Form 990, Page 6, Part VI, Line 7B

Each member has one vote to utilize in ratifying significant decisions beyond the authority of the board of directors as outlined in the organization's bylaws. Any decision to dissolve or merge the organization requires approval of membership unless mandated by regulatory agencies for example the ncua or wisconsin office of credit unions.

Form 990, Page 6, Part VI, Line 11B

Draft copy of 990 is provided to the president for review and approved before the return is signed, dated, and filed.

Form 990, Page 6, Part VI, Line 12C

President reviews this as a part of the vendor management policy.

Form 990, Page 6, Part VI, Line 15A

Executive compensation is determined by the board of directors utilizing third-party surveys for comparable data purposes. Executive compensation is reviewed by our internal auditor to verify it matches what the board has approved.

Form 990, Page 6, Part VI, Line 15B

Overall compensation is approved by the board of directors. Allocation to staff is determined by the president and reviewed by the internal auditor.

Form 990, Page 6, Part VI, Line 19

Governing documents, policies and financial statements are available upon request.

Filing and Contact Details

Filer

Filer Name
Cone Credit Union
EIN
39-1137123
Phone
9208866455
Address
219 W CECIL STREET, NEENAH, WI 54956

Signing Officer

Name
Scott Sauer
Title
President
Phone
9208866455
Signed
2016-09-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Scott Sauer
Formed
1959
Legal Domicile
Wi
Voting Board Members
9
Independent Board Members
9
Employees
10

Preparer

Firm
Erickson & Associates Sc
Address
1000 WEST COLLEGE AVE, APPLETON, WI 54914
Preparer
Abraham D Eisen
Phone
9207334957
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

A not-for-profit member owned financial organization dedicated to providing its members a variety of financial products and services in a personal and professional manner at competitive rates encouraging regular savings and maintaining the credit union's long-term financial stability.

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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/PYRevenuesLessExpensesAmt0154753
IRS990/PYSalariesCompEmpBnftPaidAmt0309050
IRS990/PYTotalExpensesAmt0707705
IRS990/PYTotalRevenueAmt0862458
IRS990/ReconcilationRevenueExpnssAmt055750
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03241945
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03297695
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09755183
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010023170
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0212194
IRS990ScheduleD/BuildingsGrp/DepreciationAmt034186
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0246380
IRS990ScheduleD/EquipmentGrp/BookValueAmt023577
IRS990ScheduleD/EquipmentGrp/DepreciationAmt077065
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0100642
IRS990ScheduleD/LandGrp/BookValueAmt057120
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt057120
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt027236989
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt110371
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED DIVIDENDS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0292891
IRS990ScheduleD/TotalLiabilityAmt027247360
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A NOT-FOR-PROFIT MEMBER OWNED FINANCIAL ORGANIZATION DEDICATED TO PROVIDING ITS MEMBERS A VARIETY OF FINANCIAL PRODUCTS AND SERVICES IN A PERSONAL AND PROFESSIONAL MANNER AT COMPETITIVE RATES ENCOURAGING REGULAR SAVINGS AND MAINTAINING THE CREDIT UNION'S LONG-TERM FINANCIAL STABILITY.
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 THE GOVERNING BODY - THE 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 OF DIRECTORS AS OUTLINED IN THE ORGANIZATION'S BYLAWS. ANY DECISION TO DISSOLVE OR MERGE THE ORGANIZATION REQUIRES APPROVAL OF MEMBERSHIP UNLESS MANDATED BY REGULATORY AGENCIES FOR EXAMPLE THE NCUA OR WISCONSIN OFFICE OF CREDIT UNIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DRAFT COPY OF 990 IS PROVIDED TO THE PRESIDENT FOR REVIEW AND APPROVED BEFORE THE RETURN IS SIGNED, DATED, AND FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PRESIDENT REVIEWS THIS AS A PART OF THE VENDOR MANAGEMENT POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6EXECUTIVE COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS UTILIZING THIRD-PARTY SURVEYS FOR COMPARABLE DATA PURPOSES. EXECUTIVE COMPENSATION IS REVIEWED BY OUR INTERNAL AUDITOR TO VERIFY IT MATCHES WHAT THE BOARD HAS APPROVED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7OVERALL COMPENSATION IS APPROVED BY THE BOARD OF DIRECTORS. ALLOCATION TO STAFF IS DETERMINED BY THE PRESIDENT AND REVIEWED BY THE INTERNAL AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8GOVERNING DOCUMENTS, POLICIES AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt029227602
IRS990/TotalAssetsEOYAmt030650572
IRS990/TotalAssetsGrp/BOYAmt029227602
IRS990/TotalAssetsGrp/EOYAmt030650572
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0809857
IRS990/TotalFunctionalExpensesGrp/TotalAmt0809857
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt025985657
IRS990/TotalLiabilitiesEOYAmt027352877
IRS990/TotalLiabilitiesGrp/BOYAmt025985657
IRS990/TotalLiabilitiesGrp/EOYAmt027352877
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03241945
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03297695
IRS990/TotalOtherCompensationAmt013026
IRS990/TotalProgramServiceRevenueAmt0767414
IRS990/TotalReportableCompFromOrgAmt093299
IRS990/TotalRevenueGrp/ExclusionAmt098193
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0767414
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0865607
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt029227602
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt030650572
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt086337
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0219 W CECIL STREET
IRS990/USAddress/CityNm0NEENAH
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd054956
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.CONECU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SCOTT SAUER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum09208866455
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-09-07
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CONE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CONE
ReturnHeader/Filer/EIN0391137123
ReturnHeader/Filer/PhoneNum09208866455
ReturnHeader/Filer/USAddress/AddressLine1Txt0219 W CECIL STREET
ReturnHeader/Filer/USAddress/CityNm0NEENAH
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd054956
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391520996
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ERICKSON & ASSOCIATES SC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01000 WEST COLLEGE AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0APPLETON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd054914
ReturnHeader/PreparerPersonGrp/PhoneNum09207334957
ReturnHeader/PreparerPersonGrp/PreparationDt02016-09-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ABRAHAM D EISEN
ReturnHeader/ReturnTs02016-09-14T15:31:20-05:00
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
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.41$0.43$0.02
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.1$25.8$3.26$0.97$0.94$0.03
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.1$24.9$3.23$0.96$1.17$0.21
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.3$24.9$3.44$1.03$0.99$0.04
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$30.3$26.9$3.40$0.92$0.82$0.10
2015Detailed filing. Detailed filing data is available for this year.$30.7$27.4$3.30$0.87$0.81$0.06
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.2$26.0$3.24$0.86$0.71$0.15
2013Detailed filing. Detailed filing data is available for this year.$29.1$26.0$3.09$0.89$0.74$0.15
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.7$26.8$2.94$0.74
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.3$25.6$2.73$0.83
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.7$23.2$2.59$0.91