Civic Intelligence

Horizon Credit Union

990 • Fiscal year 2013 • EIN 43-6036048

Jan 01, 2013 to Dec 31, 2013 • Filed on May 14, 2014

Organization ProfileWWW.YOURHCU.COM

View Organization Page

PO Box 554Macon, MO 63552-0554

(660) 385-8205

Siviq Scores

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

Liabilities / Assets

35th percentile

0.84x

Higher debt load relative to assets than 35% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

49th percentile

19.71x

Higher debt load relative to revenue than 49% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

58th percentile

6.1%

Higher net margin than 58% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

66th percentile

$78,506

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 9.6% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

65th percentile

3.4%

Faster asset growth than 65% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M 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 / Assets35th percentile

Assets

Up

$19,003,051

Up $1,193,611 (+6.7%) from 2011

Net Assets

Up

$2,947,509

Up $117,510 (+4.2%) from 2011

Liabilities

Up

$16,055,542

Up $1,076,101 (+7.2%) from 2011

Revenue And Expenses
Liabilities / Revenue49th percentileNet Margin58th percentile

Revenue

$814,700

No earlier filing loaded for comparison.

Expenses

Up

$765,142

Up $81,892 (+12%) from 2011

Net Income

$49,558

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth65th percentile

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

$60M$40M$20M$0Assets 2010: $17,780,548Liabilities 2010: $15,064,010Net Assets 2010: $2,716,5382010Assets 2011: $17,809,440Liabilities 2011: $14,979,441Net Assets 2011: $2,829,9992011Assets 2013: $19,003,051Liabilities 2013: $16,055,542Net Assets 2013: $2,947,5092013Assets 2014: $23,469,132Liabilities 2014: $20,483,847Net Assets 2014: $2,985,2852014Assets 2015: $26,106,867Liabilities 2015: $22,947,217Net Assets 2015: $3,159,6502015Assets 2017: $31,040,553Liabilities 2017: $26,335,638Net Assets 2017: $4,704,9152017Assets 2018: $31,798,643Liabilities 2018: $26,803,538Net Assets 2018: $4,995,1052018Assets 2019: $34,963,331Liabilities 2019: $29,640,202Net Assets 2019: $5,323,1292019Assets 2020: $43,520,473Liabilities 2020: $37,982,801Net Assets 2020: $5,537,6722020Assets 2021: $50,769,173Liabilities 2021: $45,232,391Net Assets 2021: $5,536,7822021Assets 2022: $51,915,155Liabilities 2022: $46,838,573Net Assets 2022: $5,076,5822022Assets 2024: $58,474,911Liabilities 2024: $52,421,943Net Assets 2024: $6,052,9682024

Highlighted filing

2013

Assets$19,003,051
Liabilities$16,055,542
Net Assets$2,947,509
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $738,1202010Expenses 2011: $683,2502011Revenue 2013: $814,700Expenses 2013: $765,142Net Income 2013: $49,5582013Revenue 2014: $943,060Expenses 2014: $905,401Net Income 2014: $37,6592014Revenue 2015: $1,163,718Expenses 2015: $1,003,556Net Income 2015: $160,1622015Revenue 2017: $2,493,452Expenses 2017: $1,119,428Net Income 2017: $1,374,0242017Revenue 2018: $1,925,803Expenses 2018: $1,506,266Net Income 2018: $419,5372018Revenue 2019: $1,925,825Expenses 2019: $1,832,050Net Income 2019: $93,7752019Revenue 2020: $1,900,814Expenses 2020: $1,788,191Net Income 2020: $112,6232020Revenue 2021: $2,018,573Expenses 2021: $1,840,427Net Income 2021: $178,1462021Revenue 2022: $2,369,176Expenses 2022: $1,959,872Net Income 2022: $409,3042022Revenue 2024: $3,285,677Expenses 2024: $3,105,974Net Income 2024: $179,7032024

Highlighted filing

2013

Revenue$814,700
Expenses$765,142
Net Income$49,558
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 14, 2014
Return Version
2013v3.0
Gross Receipts
$814,700
Mission and Program Overview

Mission

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$9,498,116$10,910,218▲ $1,412,102
Savings and Temporary Cash Investments$7,962,282$6,383,353▼ $1,578,929
Rtn Earn Endowment Incm Other Fnds$2,897,876$2,947,509▲ $49,633
Land, Buildings, and Equipment, Net$384,142$422,440▲ $38,298
Cash and Non-Interest-Bearing Accounts$134,438$147,768▲ $13,330
Prepaid Expenses and Deferred Charges$19,121$20,760▲ $1,639
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$18,382,615$19,003,051▲ $620,436
Other Assets Total$384,516$1,118,512▲ $733,996
Liabilities
Other Liabilities$15,317,394$15,982,111▲ $664,717
Accounts Payable and Accrued Expenses$167,345$73,431▼ $93,914
Total Liabilities$15,484,739$16,055,542▲ $570,803
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,897,876$2,947,509▲ $49,633
Total Liabilities and Net Assets / Fund Balance$18,382,615$19,003,051▲ $620,436

Asset Categories

AssetBook ValueDepreciationBasis
Land$274,700-$274,700
Equipment$83,132$92,834$175,966
Buildings$63,556$17,515$81,071
Other Land Buildings$1,052$2,269$3,321
Other Assets Org$839,670--
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kay LucasPresidentFT$58,977$19,529$78,506

Board Members and Trustees

NameTitle
Dennis FesslerChairman
Larry MurdockVice Chairman
Murrell ArnettDirector
Damon LafaverSecretary
Brent BernhardtTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jt Holman Construction LLCConstruction-$730,518
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$722,942
Investment Income
$90,093
Other Revenue
$1,665
Change in Net Assets
$49,558
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$394,211
Salaries, Compensation, and Employee Benefits$283,385
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$171,253
Office Expenses---$122,881
Benefits to Members---$87,546
Current Officers, Directors, Trustees, and Key Employees---$78,506
All Other Expenses---$27,618
Depreciation Depletion---$26,700
Payroll Taxes---$21,834
Insurance---$13,334
Other Expenses---$12,633
Conferences and Meetings---$12,563
Advertising---$12,422
Occupancy---$11,595
Fees for Services Accounting---$10,914
Information Technology---$8,929
Other Employee Benefits---$8,048
Fees for Services Other---$5,878
Pension Plan Contributions---$3,744
Total Functional Expenses$0$0$0$765,142
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 Share Deposits$15,982,111
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
Yes
Conflict-of-interest policy
No
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

“The credit union is mutually owned by members.”

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

“The board of directors are elected by the credit union members.”

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

“Certain changes are subject to approval by the credit union members; however, no such changes were made during the year.”

Form 990, Part VI, Section B, line 11

“The president reviews and approves the completed form 990.”

Form 990, Part VI, Section B, line 15

“The board of directors determines compensation for all employees, including the president, using the cuna mutual salary survey. Deliberations and decisions are documented in the board minutes.”

Form 990, Part VI, Section C, line 19

“Financial statements are posted in the lobby, presented at the annual meeting, and are available upon request. In addition, the ncua website posts financial information as part of the quarterly call reports. Other documents, policies, and procedures are available upon request.”

Filing and Contact Details

Filer

EIN
43-6036048
Phone
6603858205

Signing Officer

Name
Kay Lucas
Title
President
Phone
6603858205
Signed
2014-05-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kay Lucas
Formed
1954
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
5
Employees
9
Volunteers
10

Preparer

Phone
3142058601
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“MEMBERSHIP FEES 75.”

Raw XML Appendix348 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.

Path#Value
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IRS990/ActivityOrMissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
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IRS990/BooksInCareOfDetail/USAddress/State0MO
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IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 2,552 MEMBERS.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT
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IRS990/GrantsToOrganizationsInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/IndependentAuditFinclStmtInd00
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IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
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IRS990/MoreThan5000KToOrgInd00
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IRS990/OfficeExpensesGrp/TotalAmt0122881
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IRS990/OperateHospitalInd00
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IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
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IRS990/PoliticalCampaignActyInd00
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IRS990/ProfessionalFundraisingInd00
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt11500
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. LOANS OUTSTANDING AS OF DECEMBER 31, 2013 TOTALED $10,954,601.
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IRS990/ScheduleBRequiredInd00
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt092834
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0274700
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IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt133433
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt292235
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUSIF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1ACCRUED INCOME
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2OTHER DEPOSITS & RECEIVABLES
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3BUILDING - CONSTRUCTION IN PROCESS
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01052
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt02269
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt03321
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt015982111
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0422440
IRS990ScheduleD/TotalBookValueOtherAssetsAmt01118512
IRS990ScheduleD/TotalLiabilityAmt015982111
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PRESIDENT REVIEWS AND APPROVES THE COMPLETED FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS DETERMINES COMPENSATION FOR ALL EMPLOYEES, INCLUDING THE PRESIDENT, USING THE CUNA MUTUAL SALARY SURVEY. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY, PRESENTED AT THE ANNUAL MEETING, AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6MEMBERSHIP FEES 75.
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 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, line 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt018382615
IRS990/TotalAssetsEOYAmt019003051
IRS990/TotalAssetsGrp/BOYAmt018382615
IRS990/TotalAssetsGrp/EOYAmt019003051
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/TotalAmt0765142
IRS990/TotalGrossUBIAmt02009
IRS990/TotalLiabilitiesBOYAmt015484739
IRS990/TotalLiabilitiesEOYAmt016055542
IRS990/TotalLiabilitiesGrp/BOYAmt015484739
IRS990/TotalLiabilitiesGrp/EOYAmt016055542
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02897876
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02947509
IRS990/TotalOtherCompensationAmt019529
IRS990/TotalProgramServiceRevenueAmt0722942
IRS990/TotalReportableCompFromOrgAmt058977
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0812691
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0814700
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02009
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt018382615
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt019003051
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10310 NORTH MISSOURI STREET
IRS990/USAddress/City0MACON
IRS990/USAddress/State0MO
IRS990/USAddress/ZIPCode063552
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.YOURHCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KAY LUCAS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06603858205
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10HORIZON CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0HORI
ReturnHeader/Filer/EIN0436036048
ReturnHeader/Filer/PhoneNum06603858205
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 554
ReturnHeader/Filer/USAddress/City0MACON
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode0635520554
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431887384
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10STEPHEN LANG & ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1014323 S OUTER 40 STE N205
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0CHESTERFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode063017
ReturnHeader/PreparerPersonGrp/PhoneNum03142058601
ReturnHeader/ReturnTs02014-05-14T12:10:38-05:00
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
$19,003,051
Liabilities
$16,055,542
Net assets
$2,947,509
Revenue
$814,700
Expenses
$765,142
Net income
$49,558
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.5$52.4$6.05$3.29$3.11$0.18
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$51.9$46.8$5.08$2.37$1.96$0.41
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$50.8$45.2$5.54$2.02$1.84$0.18
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.5$38.0$5.54$1.90$1.79$0.11
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$35.0$29.6$5.32$1.93$1.83$0.09
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.8$26.8$5.00$1.93$1.51$0.42
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.0$26.3$4.70$2.49$1.12$1.37
2015Detailed filing. Detailed filing data is available for this year.$26.1$22.9$3.16$1.16$1.00$0.16
2014Detailed filing. Detailed filing data is available for this year.$23.5$20.5$2.99$0.94$0.91$0.04
2013Detailed filing. Detailed filing data is available for this year.$19.0$16.1$2.95$0.81$0.77$0.05
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.8$15.0$2.83$0.68
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.8$15.1$2.72$0.74
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $10M-$25M nonprofits