Civic Intelligence

Financial Plus Credit Union

990 • Fiscal year 2013 • EIN 42-0802188

Jan 01, 2013 to Dec 31, 2013 • Filed on May 01, 2014

Organization ProfileWWW.FINANCIALPLUSCU.COM

View Organization Page

1831 25th StreetWest Des Moines, IA 50266

(515) 224-1222

Siviq Scores

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

Liabilities / Assets

69th percentile

0.91x

Higher debt load relative to assets than 69% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Liabilities / Revenue

86th percentile

23.34x

Higher debt load relative to revenue than 86% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Net Margin

82nd percentile

19%

Higher net margin than 82% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Top Officer Pay

10th percentile

$121,879

Higher top officer pay than 10% of similar nonprofits.

Top officer pay equals 2.7% of source-year revenue.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Asset Growth

85th percentile

7.0%

Faster asset growth than 85% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets69th percentile

Assets

Up

$115,820,775

Up $7,558,422 (+7.0%) from 2012

Net Assets

Up

$10,403,726

Up $842,863 (+8.8%) from 2012

Liabilities

Up

$105,417,049

Up $6,715,559 (+6.8%) from 2012

Revenue And Expenses
Liabilities / Revenue86th percentileNet Margin82nd percentile

Revenue

$4,516,137

No earlier filing loaded for comparison.

Expenses

Down

$3,673,274

Down $79,316 (-2.1%) from 2012

Net Income

$842,863

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth85th percentile

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

$300M$200M$100M$0Assets 2010: $83,966,702Liabilities 2010: $75,910,170Net Assets 2010: $8,056,5322010Assets 2011: $95,267,820Liabilities 2011: $86,469,056Net Assets 2011: $8,798,7642011Assets 2012: $108,262,353Liabilities 2012: $98,701,490Net Assets 2012: $9,560,8632012Assets 2013: $115,820,775Liabilities 2013: $105,417,049Net Assets 2013: $10,403,7262013Assets 2014: $161,567,380Liabilities 2014: $144,850,619Net Assets 2014: $16,716,7612014Assets 2015: $167,570,926Liabilities 2015: $149,959,102Net Assets 2015: $17,611,8242015Assets 2016: $167,338,536Liabilities 2016: $149,381,499Net Assets 2016: $17,957,0372016Assets 2017: $172,468,368Liabilities 2017: $153,279,102Net Assets 2017: $19,189,2662017Assets 2018: $171,128,956Liabilities 2018: $151,004,869Net Assets 2018: $20,124,0872018Assets 2019: $171,961,090Liabilities 2019: $150,735,266Net Assets 2019: $21,225,8242019Assets 2020: $196,535,004Liabilities 2020: $174,698,552Net Assets 2020: $21,836,4522020Assets 2021: $218,391,221Liabilities 2021: $196,109,497Net Assets 2021: $22,281,7242021Assets 2022: $215,268,890Liabilities 2022: $193,397,544Net Assets 2022: $21,871,3462022Assets 2023: $202,041,152Liabilities 2023: $176,150,779Net Assets 2023: $25,890,3732023Assets 2024: $218,308,609Liabilities 2024: $189,463,659Net Assets 2024: $28,844,9502024

Highlighted filing

2013

Assets$115,820,775
Liabilities$105,417,049
Net Assets$10,403,726
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$15M$10M$5.0M$0Expenses 2010: $3,868,4502010Expenses 2011: $3,591,7282011Expenses 2012: $3,752,5902012Revenue 2013: $4,516,137Expenses 2013: $3,673,274Net Income 2013: $842,8632013Revenue 2014: $4,780,286Expenses 2014: $4,012,071Net Income 2014: $768,2152014Revenue 2015: $5,874,893Expenses 2015: $4,862,431Net Income 2015: $1,012,4622015Revenue 2016: $5,874,083Expenses 2016: $5,562,284Net Income 2016: $311,7992016Revenue 2017: $6,197,849Expenses 2017: $5,003,635Net Income 2017: $1,194,2142017Revenue 2018: $6,280,940Expenses 2018: $5,262,620Net Income 2018: $1,018,3202018Revenue 2019: $6,702,125Expenses 2019: $5,778,365Net Income 2019: $923,7602019Revenue 2020: $5,996,544Expenses 2020: $5,564,008Net Income 2020: $432,5362020Revenue 2021: $6,306,056Expenses 2021: $5,736,742Net Income 2021: $569,3142021Revenue 2022: $7,722,529Expenses 2022: $5,827,823Net Income 2022: $1,894,7062022Revenue 2023: $9,875,904Expenses 2023: $6,549,316Net Income 2023: $3,326,5882023Revenue 2024: $11,619,211Expenses 2024: $8,657,173Net Income 2024: $2,962,0382024

Highlighted filing

2013

Revenue$4,516,137
Expenses$3,673,274
Net Income$842,863
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 1, 2014
Return Version
2013v3.1
Gross Receipts
$4,516,137
Mission and Program Overview

Mission

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$55,642,238$57,560,948▲ $1,918,710
Savings and Temporary Cash Investments$35,588,239$39,305,578▲ $3,717,339
Investments in Publicly Traded Securities$12,527,033$12,638,896▲ $111,863
Rtn Earn Endowment Incm Other Fnds$6,687,116$7,371,479▲ $684,363
Pd in Cap Srpls Land Bldg Eqp Fund$2,873,747$3,032,247▲ $158,500
Land, Buildings, and Equipment, Net$1,454,635$2,763,630▲ $1,308,995
Cash and Non-Interest-Bearing Accounts$1,074,728$1,317,992▲ $243,264
Prepaid Expenses and Deferred Charges$94,371$93,199▼ $1,172
Accounts Receivable$10,135$14,652▲ $4,517
Total Assets$108,262,353$115,820,775▲ $7,558,422
Other Assets Total$1,870,974$2,125,880▲ $254,906
Liabilities
Other Liabilities$98,161,847$104,881,591▲ $6,719,744
Accounts Payable and Accrued Expenses$539,643$535,458▼ $4,185
Total Liabilities$98,701,490$105,417,049▲ $6,715,559
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,560,863$10,403,726▲ $842,863
Total Liabilities and Net Assets / Fund Balance$108,262,353$115,820,775▲ $7,558,422

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,999,516$1,267,524$3,267,040
Equipment$183,928$1,037,961$1,221,889
Land$580,186-$580,186
Compensation and Service Providers
Top Officer Pay10th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Dave J CalePrsident/CEOFT$121,879$121,879

Board Members and Trustees

NameTitle
Andy ScottBoard Member
Bev BiermaBoard Member
Jeff LarsenBoard Member
Karen SolBoard Member
Kenny BrickmanBoard Member
Linda HarringtonBoard Member
Nancy Devinay-mcneleyBoard Member
Phillip WilliamsBoard Member
Rebecca Jo HarveyBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,168,247
Investment Income
$347,890
Other Revenue
$0
Change in Net Assets
$842,863

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,516,137
Total Revenue per Audited Statements
$4,516,137
Total Revenue per Form 990
$4,516,137
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,376,070
Salaries, Compensation, and Employee Benefits$1,297,204
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,077,015
All Other Expenses---$307,686
Occupancy---$279,079
Office Expenses---$238,784
Depreciation Depletion---$176,177
Other Employee Benefits---$128,554
Other Expenses---$106,140
Payroll Taxes---$91,635
Insurance---$34,302
Advertising---$32,800
Fees for Services Accounting---$17,782
Fees for Services Legal---$14,561
Conferences and Meetings---$11,948
Total Functional Expenses$0$0$0$3,673,274

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,673,274
Total Expenses per Audited Statements$3,673,274
Total Expenses per Form 990$3,673,274
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 Deposits$104,881,591
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
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

“All depositors are considered members.”

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

“The credit union members elect on an annual basis the members of the board of directors.”

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

“Any proposed mergers must be approved by a majority of the membership.”

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

“No review was or will be conducted.”

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

“The security matrix on the data processing system prohibits employees and directors from initiating transactions on all accounts listed on their conflict of interest disclosure statement, which is updated annually.”

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

“The process for determining compensation for the ceo includes a comparison of compensation for similarly qualified persons in comparable positions, review and approval by the board of directors and is documented in the board minutes. The last review was conducted in december 2013.”

Form 990, Page 6, Part VI, Line 19

“The monthly financial statements are posted in the lobby and are updated on a monthly basis. The governing documents and conflict of interest policy are made available upon request.”

Filing and Contact Details

Filer

EIN
42-0802188
Phone
5152241222

Signing Officer

Name
Dave J Cale
Title
President/CEO
Phone
5152241222
Signed
2014-05-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dave J Cale
Formed
1929
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
37
Volunteers
9

Preparer

Preparer
Steven O Petersen
Phone
4023332800
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“N/A”

Form 990, Page 5, Part V, Line 3B

“The credit union provides financial services to its members. All income and expenses are deemed related to the overall objective of member services.”

Raw XML Appendix355 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/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06687116
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07371479
IRS990/SavingsAndTempCashInvstGrp/BOYAmt035588239
IRS990/SavingsAndTempCashInvstGrp/EOYAmt039305578
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01999516
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01267524
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03267040
IRS990ScheduleD/EquipmentGrp/BookValueAmt0183928
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01037961
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01221889
IRS990ScheduleD/ExpensesSubtotalAmt03673274
IRS990ScheduleD/LandGrp/BookValueAmt0580186
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0580186
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0104881591
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/RevenueSubtotalAmt04516137
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02763630
IRS990ScheduleD/TotalExpensesPerForm990Amt03673274
IRS990ScheduleD/TotalLiabilityAmt0104881591
IRS990ScheduleD/TotalRevenuePerForm990Amt04516137
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt04516137
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03673274
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION PROVIDES FINANCIAL SERVICES TO ITS MEMBERS. ALL INCOME AND EXPENSES ARE DEEMED RELATED TO THE OVERALL OBJECTIVE OF MEMBER SERVICES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL DEPOSITORS ARE CONSIDERED MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION MEMBERS ELECT ON AN ANNUAL BASIS THE MEMBERS OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ANY PROPOSED MERGERS MUST BE APPROVED BY A MAJORITY OF THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE SECURITY MATRIX ON THE DATA PROCESSING SYSTEM PROHIBITS EMPLOYEES AND DIRECTORS FROM INITIATING TRANSACTIONS ON ALL ACCOUNTS LISTED ON THEIR CONFLICT OF INTEREST DISCLOSURE STATEMENT, WHICH IS UPDATED ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE PROCESS FOR DETERMINING COMPENSATION FOR THE CEO INCLUDES A COMPARISON OF COMPENSATION FOR SIMILARLY QUALIFIED PERSONS IN COMPARABLE POSITIONS, REVIEW AND APPROVAL BY THE BOARD OF DIRECTORS AND IS DOCUMENTED IN THE BOARD MINUTES. THE LAST REVIEW WAS CONDUCTED IN DECEMBER 2013.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AND ARE UPDATED ON A MONTHLY BASIS. THE GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0IA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0108262353
IRS990/TotalAssetsEOYAmt0115820775
IRS990/TotalAssetsGrp/BOYAmt0108262353
IRS990/TotalAssetsGrp/EOYAmt0115820775
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt037
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt03673274
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt098701490
IRS990/TotalLiabilitiesEOYAmt0105417049
IRS990/TotalLiabilitiesGrp/BOYAmt098701490
IRS990/TotalLiabilitiesGrp/EOYAmt0105417049
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt09560863
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt010403726
IRS990/TotalProgramServiceRevenueAmt04168247
IRS990/TotalReportableCompFromOrgAmt0121879
IRS990/TotalRevenueGrp/ExclusionAmt04516137
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04516137
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0108262353
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0115820775
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101831 25TH STREET
IRS990/USAddress/City0WEST DES MOINES
IRS990/USAddress/State0IA
IRS990/USAddress/ZIPCode050266
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.FINANCIALPLUSCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DAVE J CALE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05152241222
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-01
ReturnHeader/Filer/BusinessName/BusinessNameLine10FINANCIAL PLUS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FINA
ReturnHeader/Filer/EIN0420802188
ReturnHeader/Filer/PhoneNum05152241222
ReturnHeader/Filer/USAddress/AddressLine101831 25TH STREET
ReturnHeader/Filer/USAddress/City0WEST DES MOINES
ReturnHeader/Filer/USAddress/State0IA
ReturnHeader/Filer/USAddress/ZIPCode050266
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10PETERSEN & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine101410 GOLD COAST RD 400
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0PAPILLION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0NE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0680465742
ReturnHeader/PreparerPersonGrp/PhoneNum04023332800
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0STEVEN O PETERSEN
ReturnHeader/ReturnTs02014-05-05T08:10:00-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$115,820,775
Liabilities
$105,417,049
Net assets
$10,403,726
Revenue
$4,516,137
Expenses
$3,673,274
Net income
$842,863
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$218$189$28.8$11.6$8.66$2.96
2023Detailed filing. Detailed filing data is available for this year.$202$176$25.9$9.88$6.55$3.33
2022Detailed filing. Detailed filing data is available for this year.$215$193$21.9$7.72$5.83$1.89
2021Detailed filing. Detailed filing data is available for this year.$218$196$22.3$6.31$5.74$0.57
2020Detailed filing. Detailed filing data is available for this year.$197$175$21.8$6.00$5.56$0.43
2019Detailed filing. Detailed filing data is available for this year.$172$151$21.2$6.70$5.78$0.92
2018Detailed filing. Detailed filing data is available for this year.$171$151$20.1$6.28$5.26$1.02
2017Detailed filing. Detailed filing data is available for this year.$172$153$19.2$6.20$5.00$1.19
2016Detailed filing. Detailed filing data is available for this year.$167$149$18.0$5.87$5.56$0.31
2015Detailed filing. Detailed filing data is available for this year.$168$150$17.6$5.87$4.86$1.01
2014Detailed filing. Detailed filing data is available for this year.$162$145$16.7$4.78$4.01$0.77
2013Detailed filing. Detailed filing data is available for this year.$116$105$10.4$4.52$3.67$0.84
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$108$98.7$9.56$3.75
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$95.3$86.5$8.80$3.59
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$84.0$75.9$8.06$3.87
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $100M-$250M nonprofits