Civic Intelligence

Muni Employees Credit Union

EIN 42-0835748 • 501(c)14 • Ottumwa, IA

Profile

To create a source of credit at a fair and reasonable rate of interest, encourage habits of thrift among its members, and provide the opportunity for its members to use and control their savings for their mutual benefit.

105 E 3rd StOttumwa, IA 52501
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

52nd percentile

0.01x

Higher debt load relative to assets than 52% of similar nonprofits.

$500k-$1M nonprofits • Source year 2022

Liabilities / Revenue

76th percentile

0.13x

Higher debt load relative to revenue than 76% of similar nonprofits.

$500k-$1M nonprofits • Source year 2022

Net Margin

35th percentile

-3.4%

Higher net margin than 35% of similar nonprofits.

$500k-$1M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

20th percentile

-8.1%

Faster asset growth than 20% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2021 to 2022

Revenue Growth

37th percentile

-0.3%

Faster revenue growth than 37% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets52nd percentile

Assets

Down

$660,472

Down $58,216 (-8.1%) from 2021

Liabilities

Down

$3,514

Down $198 (-5.3%) from 2021

Net Assets

Down

$656,958

Down $58,018 (-8.1%) from 2021

Operations
Liabilities / Revenue76th percentileNet Margin35th percentile

Revenue

Down

$26,110

Down $73 (-0.3%) from 2021

Expenses

Down

$26,999

Down $2,082 (-7.2%) from 2021

Net Income

Up

-$889

Up $2,009 (+69%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth20th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$800K$600K$400K$200K$0Assets 2015: $701,570Liabilities 2015: $5,206Net Assets 2015: $696,3642015Assets 2016: $698,516Liabilities 2016: $4,914Net Assets 2016: $693,6022016Assets 2017: $715,157Liabilities 2017: $4,648Net Assets 2017: $710,5092017Assets 2018: $693,354Liabilities 2018: $4,530Net Assets 2018: $688,8242018Assets 2020: $723,010Liabilities 2020: $3,543Net Assets 2020: $719,4672020Assets 2021: $718,688Liabilities 2021: $3,712Net Assets 2021: $714,9762021Assets 2022: $660,472Liabilities 2022: $3,514Net Assets 2022: $656,9582022

Highlighted filing

2022

Assets$660,472
Liabilities$3,514
Net Assets$656,958
Open 2022 Filing

Operations Trend

Revenue Growth37th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$40K$20K$0-$20KRevenue 2015: $31,928Expenses 2015: $30,183Net Income 2015: $1,7452015Revenue 2016: $31,427Expenses 2016: $29,897Net Income 2016: $1,5302016Revenue 2017: $29,409Expenses 2017: $28,951Net Income 2017: $4582017Revenue 2018: $26,652Expenses 2018: $31,901Net Income 2018: -$5,2492018Revenue 2020: $26,847Expenses 2020: $35,573Net Income 2020: -$8,7262020Revenue 2021: $26,183Expenses 2021: $29,081Net Income 2021: -$2,8982021Revenue 2022: $26,110Expenses 2022: $26,999Net Income 2022: -$8892022

Highlighted filing

2022

Revenue$26,110
Expenses$26,999
Net Income-$889
Open 2022 Filing

Filings

Most recent year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$660,472
Liabilities
$3,514
Net assets
$656,958
Revenue
$26,110
Expenses
$26,999
Net income
-$889
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$6.60$0.04$6.57$0.26$0.27$0.01
2021Detailed filing. Detailed filing data is available for this year.$7.19$0.04$7.15$0.26$0.29$0.03
2020Detailed filing. Detailed filing data is available for this year.$7.23$0.04$7.19$0.27$0.36$0.09
2018Summary only. Only limited summary data is available for this year.$6.93$0.05$6.89$0.27$0.32$0.05
2017Summary only. Only limited summary data is available for this year.$7.15$0.05$7.11$0.29$0.29$0.00
2016Summary only. Only limited summary data is available for this year.$6.99$0.05$6.94$0.31$0.30$0.02
2015Summary only. Only limited summary data is available for this year.$7.02$0.05$6.96$0.32$0.30$0.02
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Feb 24, 2023
Return Version
2022v4.0
Gross Receipts
$26,110
Mission and Program Overview

Mission

To create a source of credit at a fair and reasonable rate of interest, encourage habits of thrift among its members, and provide the opportunity for its members to use and control their savings for their mutual benefit.

Significant activities for the credit union is for our members to save money and to borrow money at a low rate.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$640,264$583,136▼ $57,128
Other Notes and Loans Receivable, Net$483,978$467,743▼ $16,235
Savings and Temporary Cash Investments$169,195$116,716▼ $52,479
Receivables From Officers Etc$65,484$77,032▲ $11,548
Pd in Cap Srpls Land Bldg Eqp Fund$49,000$49,000→ $0
Rtn Earn Endowment Incm Other Fnds$25,712$24,822▼ $890
Investments Program Related$6,419$6,403▼ $16
Prepaid Expenses and Deferred Charges$203$208▲ $5
Cash and Non-Interest-Bearing Accounts$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
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Accounts Receivable$-6,635$-7,630▼ $995
Total Assets$718,688$660,472▼ $58,216
Other Assets Total$44$0▼ $44
Liabilities
Accounts Payable and Accrued Expenses$3,243$2,945▼ $298
Other Liabilities$469$569▲ $100
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$3,712$3,514▼ $198
Net Assets / Fund Balance
Total Net Assets Fund Balance$714,976$656,958▼ $58,018
Total Liabilities and Net Assets / Fund Balance$718,688$660,472▼ $58,216
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Stephanie NickersonPresidentPT$10,738$10,738
Tifani YoungTellerPT$6,562$6,562

Board Members and Trustees

NameTitle
Rachel ThompsonChairperson
Jeff BoxVice President
Chris CoblerAudit Committee
Jay WheatonAudit Committee
Steve ErwinAudit Committee
Dave YeagerCredit Committee
Jeff KrofpCredit Committee
Tim AlbertSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$25,675
Investment Income
$435
Other Revenue
$0
Change in Net Assets
$-889
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$18,703
Other Expenses$8,296
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$17,300
Information Technology---$3,360
Insurance---$3,188
Payroll Taxes---$1,403
Fees for Services Accounting---$697
Interest---$489
Office Expenses---$374
Payments to Affiliates---$188
Total Functional Expenses$0$0$0$26,999
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$65,484$77,032▲ $11,548
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Social Sec and Medicare Taxes$291
State Taxes$114
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 35% controlled entity
No
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, Part VI, Section A, Line 6

“Our board are members of the credit union.”

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

“Since our board members are members of the credit union they do elect new board members.”

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

“The credit union holds an annual meeting for all the members to vote.”

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

“The board members are informed of the filing and have been told they can review Form 990 upon request.”

Form 990, Part VI, Section B, Line 12C

“Annually the board members review and sign the conflict of interest form.”

Form 990, Part VI, Section B, Line 15

“Annually the board discusses salaries and compensations and votes on the motion.”

Form 990, Part VI, Section C, Line 19

“The credit union has their governing documents and conflict of interest policy in our policy book. Our financial statement is displayed in our lobby.”

Filing and Contact Details

Filer

Filer Name
Muni Employees Credit Union
EIN
42-0835748
Phone
6416830659
Address
105 E 3rd St, Ottumwa, IA 52501

Signing Officer

Name
Stephanie Nickerson
Title
President
Phone
6416830659
Signed
2023-02-24

Organization Details

Principal Officer
Stephanie Nickerson
Formed
1952
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
8
Employees
2
Volunteers
9
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“It is the difference in shares from 2021 to the end of 2022 of -57,129.00”

Raw XML AppendixShowing 400 of 487 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/PaymentsToAffiliatesGrp/TotalAmt0188
IRS990/PayrollTaxesGrp/TotalAmt01403
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt049000
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt049000
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0203
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0208
IRS990/PrincipalOfficerNm0Stephanie Nickerson
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0Interest Income
IRS990/ProgramServiceRevenueGrp/Desc1Disability Ins
IRS990/ProgramServiceRevenueGrp/Desc2Life, Auto, Acc Death Ins
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt025107
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt20
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt025107
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1303
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2265
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1303
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt2265
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0753
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt010917
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt025430
IRS990/PYRevenuesLessExpensesAmt0-2898
IRS990/PYSalariesCompEmpBnftPaidAmt018164
IRS990/PYTotalExpensesAmt029081
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt026183
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt065484
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt077032
IRS990/ReconcilationRevenueExpnssAmt0-889
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt026110
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt025712
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt024822
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0169195
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0116716
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt0164
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0114
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1291
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0State Taxes
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Social Sec and Medicare Taxes
IRS990ScheduleD/TotalLiabilityAmt0569
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt027776
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt13921
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt23965
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3664
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt437299
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt53407
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Vehicle
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Vehicle
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Vehicle
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Signature
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Vehicle
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Signature
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt031417
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt112573
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt26000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt33947
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt445136
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt56035
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Tim Albert
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Jeff Kropf
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Jeff Box
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Jeff Box
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Rachel Thompson
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5Rachel Thompson
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd51
IRS990ScheduleL/TotalBalanceDueAmt077032
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Our board are members of the credit union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Since our board members are members of the credit union they do elect new board members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The credit union holds an annual meeting for all the members to vote.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The board members are informed of the filing and have been told they can review Form 990 upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Annually the board members review and sign the conflict of interest form.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Annually the board discusses salaries and compensations and votes on the motion.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The credit union has their governing documents and conflict of interest policy in our policy book. Our financial statement is displayed in our lobby.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7It is the difference in shares from 2021 to the end of 2022 of -57,129.00
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15

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