Liabilities / Assets
Score unavailable
Liabilities-to-assets requires both liabilities and assets on this filing.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
No value available
Liabilities / Revenue
58th percentile
Tied with the lowest-debt nonprofits in its peer group.
Net Margin
11th percentile
Higher net margin than 11% of similar nonprofits.
Top Officer Pay
76th percentile
Higher top officer pay than 76% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
2nd percentile
Faster asset growth than 2% of similar nonprofits.
Revenue Growth
23rd percentile
Faster revenue growth than 23% of similar nonprofits.
Balance Sheet
Assets
Down$0
Down $6,597,449 (-100%) from 2014
Net Assets
Down$0
Down $952,733 (-100%) from 2014
Liabilities
Down$0
Down $5,644,716 (-100%) from 2014
Revenue And Expenses
Revenue
Down$157,366
Down $41,785 (-21%) from 2014
Expenses
Up$230,344
Up $2,041 (+0.9%) from 2014
Net Income
Down-$72,978
Down $43,826 (-150%) from 2014
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- May 12, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $157,366
Mission and Program Overview
Mission
Credit unions create a source of credit at a fair and reasonable rate of interest.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments Program Related | $4,074,019 | - | - |
| Other Notes and Loans Receivable, Net | $1,946,462 | - | - |
| Rtn Earn Endowment Incm Other Fnds | $765,840 | - | - |
| Savings and Temporary Cash Investments | $433,696 | - | - |
| Pd in Cap Srpls Land Bldg Eqp Fund | $186,893 | - | - |
| Cash and Non-Interest-Bearing Accounts | $74,153 | - | - |
| Total Assets | $6,597,449 | $0 | ▼ $6,597,449 |
| Other Assets Total | $69,119 | - | - |
| Liabilities | |||
| Other Liabilities | $5,635,605 | - | - |
| Accounts Payable and Accrued Expenses | $9,111 | - | - |
| Total Liabilities | $5,644,716 | $0 | ▼ $5,644,716 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $952,733 | $0 | ▼ $952,733 |
| Total Liabilities and Net Assets / Fund Balance | $6,597,449 | $0 | ▼ $6,597,449 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Investment Program Related Org | $3,670,509 | - | - |
| Other Assets Org | $69,766 | - | - |
Compensation and Service Providers
Board Members and Trustees
| Name | Title |
|---|---|
| Don Meyer | Audit Commitee Chairman |
| Leo Davidshofer | Chairman of the Board |
| Rick Meyer | Vice Chairman |
| Sonya Hudspeth | Secretary of the Board Office |
| Terry Shaffer | Audit Committee |
| Wayne Sherman | Audit Committee |
| Mike Skahill | CFO |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $127,166
- Investment Income
- $27,871
- Other Revenue
- $2,329
- Change in Net Assets
- $-72,978
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $155,754 |
| Salaries, Compensation, and Employee Benefits | $74,590 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $57,478 | - | - | $57,478 |
| Interest | $53,491 | - | - | $53,491 |
| Office Expenses | $25,279 | - | - | $25,279 |
| Other Expenses | $25,000 | - | - | $25,000 |
| Fees for Services Accounting | $19,920 | - | - | $19,920 |
| Occupancy | $10,484 | - | - | $10,484 |
| Other Employee Benefits | $9,613 | - | - | $9,613 |
| Payroll Taxes | $4,481 | - | - | $4,481 |
| Pension Plan Contributions | $3,018 | - | - | $3,018 |
| Conferences and Meetings | $1,500 | - | - | $1,500 |
| Fees for Services Legal | $770 | - | - | $770 |
| Advertising | $85 | - | - | $85 |
| Total Functional Expenses | $230,344 | $0 | $0 | $230,344 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Total Shares and Deposits | $5,068,471 |
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
- Yes
- Compensation from other sources disclosed
- No
- CEO compensation reviewed
- Yes
- Other officer compensation reviewed
- No
- Conflict-of-interest policy
- Yes
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- Yes
- Management duties delegated
- No
Governance Explanations
Organizational document changes Part VI line 4
“Organization merged with allinat credit union”
Members or stockholder classes and rights Part VI line 6
“Form 990, part vi, section a, line 6: credit union membership consists of natural persons and entitiies as approved from time to time by, and recorded at the office of, the superintednent of credit unions. Membership consists of those persons in the common bond who have subscribed to one ownership share and have complied with the other requirements as specified by the articles of incorporation and bylaws.”
Member election for additional members Part VI line 7A
“Form 990, part vi, section a, line 7a: at each annual meeting, members have one vote. At each annual meeting, one member shall be elected to fill each board of director position vacated by reason of an expiring term or other cause.”
Governing body decisions Part VI line 7B
“Form 990, part vi, section a, line 7b: the majority of members present at any meeting may vote to modify, amend or reverse any act of the board of directors or instruct the board to take action not inconsistent with the articles, bylaws, or the iowa code. In order to be binding upon the board of directors, any action requires an affirmative vote of a majority of eligible members.”
Local chapters branches affiliates Part VI line 10A
“Form 990, paprt vi, section a, line 10: the form 990 is reviewed by each organization before filing.”
Form 990 governing body review Part VI line 11
“Form 990, part vi, section a, line 10: the form 990 is reviewed by each organization before filing.”
Conflict of interest policy compliance Part VI line 12C
“Form 990, part vi, section b, line 12c: the organization requires officers and directors to disclose annually interests that could give rise to conflicts. To identify any potential conflicts of interest, every insider provides an annual statement outlining specific relations and situations. The conflict of interest policy is annually reviewed by the board and is enforced by the board.”
CEO executive director top management comp Part VI line 15A
“Form 990, part vi, section b, line 15: a compensation committee has overall responsibility for approving and evaluating the president/ceo compensatin, benefit and prerequisite plans, policies and programs of the credit union. The compensation committee is also responsible for producing an annual report on executive compensation for review by the entire board. An independent third party reviews compensation based on data compiled from numerous sources. Software is used that compares relative compensation data.”
Governing documents etc available to public Part VI line 19
“Form 990, part vi, section c, line 19: the organization makes its governing documents, conflict of interest policy and financial statements available to the public upon request. Financial statements are also posted in the main branch of the credit union.”
Filing and Contact Details
Filer
- Filer Name
- General Drivers Credit Union
- EIN
- 42-0770250
- Address
- 1200 ASSOCIATES DRIVE STE 102, DUBUQUE, IA 52002
Signing Officer
- Name
- Leo Davidshofer
- Title
- Officer
- Phone
- 5635853737
- Signed
- 2016-05-12
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Leo Davidshofer
- Formed
- 1948
- Legal Domicile
- Ia
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 2
- Volunteers
- 7
Preparer
- Firm
- Wagner Accounting & Tax Service Inc
- Address
- 999 Century Drive Suite 5, Dubuque, IA 52002-3776
- Preparer
- David a Wagner
- Phone
- 5635564508
Supplemental Narrative
Additional Explanations
Explanation of other changes in net assets or fund balances Part XI line 9
“To adjust payables to previous years actual merged with alliant credit union”
Raw XML Appendix363 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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| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | INVESTMENTS PROGRAM RELATED |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 0 | 69766 |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 0 | PREPAID EXPENSES AR CUSO INVEST |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 5068471 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | TOTAL SHARES AND DEPOSITS |
| IRS990ScheduleD/TotalBookValueOtherAssetsAmt | 0 | 69766 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 3670509 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 5068471 |
| IRS990/ScheduleJRequiredInd | 0 | false |
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| IRS990ScheduleN/AttorneyGeneralNotifiedInd | 0 | true |
| IRS990ScheduleN/BondLiabilitiesDischargedInd | 0 | false |
| IRS990ScheduleN/BondsOutstandingInd | 0 | false |
| IRS990ScheduleN/DirectorOfSuccessor2Ind | 0 | false |
| IRS990ScheduleN/DispositionOfAssetsDetail/AssetsDistriOrExpnssPaidDesc | 0 | MERGER WITH ALLIANT CREDIT UNION |
| IRS990ScheduleN/DispositionOfAssetsDetail/DistributionDt | 0 | 2015-10-31 |
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| IRS990ScheduleN/DispositionOfAssetsDetail/FairMarketValueOfAssetAmt | 0 | 5933459 |
| IRS990ScheduleN/DispositionOfAssetsDetail/IRCSectionTxt | 0 | 501C14 |
| IRS990ScheduleN/DispositionOfAssetsDetail/MethodOfFMVDeterminationTxt | 0 | CASH |
| IRS990ScheduleN/DispositionOfAssetsDetail/PersonNm | 0 | ALLIANT CREDIT UNION |
| IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/AddressLine1Txt | 0 | 1200 ASSOCIATES DRIVE STE 102 |
| IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/CityNm | 0 | DUBUQUE |
| IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/StateAbbreviationCd | 0 | IA |
| IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/ZIPCd | 0 | 52002 |
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| IRS990ScheduleN/LiabilitiesPaidInd | 0 | true |
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| IRS990ScheduleN/ReceiveCompensation2Ind | 0 | false |
| IRS990ScheduleN/RequiredToNotifyAGInd | 0 | true |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | ORGANIZATION MERGED WITH ALLINAT CREDIT UNION |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | FORM 990, PART VI, SECTION A, LINE 6: CREDIT UNION MEMBERSHIP CONSISTS OF NATURAL PERSONS AND ENTITIIES AS APPROVED FROM TIME TO TIME BY, AND RECORDED AT THE OFFICE OF, THE SUPERINTEDNENT OF CREDIT UNIONS. MEMBERSHIP CONSISTS OF THOSE PERSONS IN THE COMMON BOND WHO HAVE SUBSCRIBED TO ONE OWNERSHIP SHARE AND HAVE COMPLIED WITH THE OTHER REQUIREMENTS AS SPECIFIED BY THE ARTICLES OF INCORPORATION AND BYLAWS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | FORM 990, PART VI, SECTION A, LINE 7A: AT EACH ANNUAL MEETING, MEMBERS HAVE ONE VOTE. AT EACH ANNUAL MEETING, ONE MEMBER SHALL BE ELECTED TO FILL EACH BOARD OF DIRECTOR POSITION VACATED BY REASON OF AN EXPIRING TERM OR OTHER CAUSE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | FORM 990, PART VI, SECTION A, LINE 7B: THE MAJORITY OF MEMBERS PRESENT AT ANY MEETING MAY VOTE TO MODIFY, AMEND OR REVERSE ANY ACT OF THE BOARD OF DIRECTORS OR INSTRUCT THE BOARD TO TAKE ACTION NOT INCONSISTENT WITH THE ARTICLES, BYLAWS, OR THE IOWA CODE. IN ORDER TO BE BINDING UPON THE BOARD OF DIRECTORS, ANY ACTION REQUIRES AN AFFIRMATIVE VOTE OF A MAJORITY OF ELIGIBLE MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | FORM 990, PAPRT VI, SECTION A, LINE 10: THE FORM 990 IS REVIEWED BY EACH ORGANIZATION BEFORE FILING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | FORM 990, PART VI, SECTION A, LINE 10: THE FORM 990 IS REVIEWED BY EACH ORGANIZATION BEFORE FILING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | FORM 990, PART VI, SECTION B, LINE 12C: THE ORGANIZATION REQUIRES OFFICERS AND DIRECTORS TO DISCLOSE ANNUALLY INTERESTS THAT COULD GIVE RISE TO CONFLICTS. TO IDENTIFY ANY POTENTIAL CONFLICTS OF INTEREST, EVERY INSIDER PROVIDES AN ANNUAL STATEMENT OUTLINING SPECIFIC RELATIONS AND SITUATIONS. THE CONFLICT OF INTEREST POLICY IS ANNUALLY REVIEWED BY THE BOARD AND IS ENFORCED BY THE BOARD. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | FORM 990, PART VI, SECTION B, LINE 15: A COMPENSATION COMMITTEE HAS OVERALL RESPONSIBILITY FOR APPROVING AND EVALUATING THE PRESIDENT/CEO COMPENSATIN, BENEFIT AND PREREQUISITE PLANS, POLICIES AND PROGRAMS OF THE CREDIT UNION. THE COMPENSATION COMMITTEE IS ALSO RESPONSIBLE FOR PRODUCING AN ANNUAL REPORT ON EXECUTIVE COMPENSATION FOR REVIEW BY THE ENTIRE BOARD. AN INDEPENDENT THIRD PARTY REVIEWS COMPENSATION BASED ON DATA COMPILED FROM NUMEROUS SOURCES. SOFTWARE IS USED THAT COMPARES RELATIVE COMPENSATION DATA. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | FORM 990, PART VI, SECTION C, LINE 19: THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. FINANCIAL STATEMENTS ARE ALSO POSTED IN THE MAIN BRANCH OF THE CREDIT UNION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | TO ADJUST PAYABLES TO PREVIOUS YEARS ACTUAL MERGED WITH ALLIANT CREDIT UNION |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Organizational document changes Part VI line 4 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Members or stockholder classes and rights Part VI line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Member election for additional members Part VI line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Governing body decisions Part VI line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Local chapters branches affiliates Part VI line 10a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990 governing body review Part VI line 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Conflict of interest policy compliance Part VI line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | CEO executive director top management comp Part VI line 15a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Governing documents etc available to public Part VI line 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | Explanation of other changes in net assets or fund balances Part XI line 9 |
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| IRS990/SignificantChangeInd | 0 | false |
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| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | true |
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| IRS990/TotalAssetsEOYAmt | 0 | 0 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 6597449 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 2 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 230344 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 230344 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 5644716 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 0 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 5644716 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 0 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 952733 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 0 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 230344 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 127166 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 157366 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 157366 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 7 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 6597449 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 0 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TransactionWithControlEntInd | 0 | false |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| IRS990/WrittenPolicyOrProcedureInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2016-09-27 15:27:22Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | LEO DAVIDSHOFER |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | OFFICER |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 5635853737 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2016-05-12 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | GENERAL DRIVERS CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | GENE |
| ReturnHeader/Filer/EIN | 0 | 420770250 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 1200 ASSOCIATES DRIVE STE 102 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | DUBUQUE |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | IA |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 52002 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 200622637 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | Wagner Accounting & Tax Service Inc |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 999 Century Drive Suite 5 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | Dubuque |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | IA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 520023776 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 5635564508 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2016-05-12 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | DAVID A WAGNER |
| ReturnHeader/ReturnTs | 0 | 2016-05-12T15:51:03-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2015-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2015-12-31 |
| ReturnHeader/TaxYr | 0 | 2015 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $0
- Liabilities
- $0
- Net assets
- $0
- Revenue
- $157,366
- Expenses
- $230,344
- Net income
- -$72,978