Civic Intelligence

Goetz Credit Union

990 • Fiscal year 2013 • EIN 44-0261775

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 04, 2014

Organization ProfileWWW.GOETZCU.COM

View Organization Page

1905 Howard StSt Joseph, MO 64501

(816) 232-8754

Siviq Scores

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

Liabilities / Assets

40th percentile

0.87x

Higher debt load relative to assets than 40% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

36th percentile

17.61x

Higher debt load relative to revenue than 36% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

76th percentile

13%

Higher net margin than 76% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

76th percentile

$116,394

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 5.5% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

78th percentile

5.1%

Faster asset growth than 78% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M 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 / Assets40th percentile

Assets

Up

$43,052,809

Up $2,096,451 (+5.1%) from 2012

Net Assets

Up

$5,564,062

Up $123,977 (+2.3%) from 2012

Liabilities

Up

$37,488,747

Up $1,972,474 (+5.6%) from 2012

Revenue And Expenses
Liabilities / Revenue36th percentileNet Margin76th percentile

Revenue

$2,129,237

No earlier filing loaded for comparison.

Expenses

Up

$1,853,447

Up $4,496 (+0.2%) from 2012

Net Income

$275,790

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth78th percentile

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

$100M$50M$0Assets 2010: $34,378,082Liabilities 2010: $29,596,842Net Assets 2010: $4,781,2402010Assets 2011: $37,741,919Liabilities 2011: $32,597,645Net Assets 2011: $5,144,2742011Assets 2012: $40,956,358Liabilities 2012: $35,516,273Net Assets 2012: $5,440,0852012Assets 2013: $43,052,809Liabilities 2013: $37,488,747Net Assets 2013: $5,564,0622013Assets 2015: $51,785,983Liabilities 2015: $45,406,161Net Assets 2015: $6,379,8222015Assets 2016: $54,868,953Liabilities 2016: $47,997,304Net Assets 2016: $6,871,6492016Assets 2017: $55,831,640Liabilities 2017: $48,692,636Net Assets 2017: $7,139,0042017Assets 2019: $61,563,191Liabilities 2019: $53,561,942Net Assets 2019: $8,001,2492019Assets 2020: $74,697,247Liabilities 2020: $66,176,237Net Assets 2020: $8,521,0102020Assets 2021: $85,915,878Liabilities 2021: $76,939,682Net Assets 2021: $8,976,1962021Assets 2022: $85,517,811Liabilities 2022: $75,604,825Net Assets 2022: $9,912,9862022

Highlighted filing

2013

Assets$43,052,809
Liabilities$37,488,747
Net Assets$5,564,062
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$6.0M$4.0M$2.0M$0Expenses 2010: $1,456,7682010Expenses 2011: $1,656,1362011Expenses 2012: $1,848,9512012Revenue 2013: $2,129,237Expenses 2013: $1,853,447Net Income 2013: $275,7902013Revenue 2015: $2,447,927Expenses 2015: $1,905,073Net Income 2015: $542,8542015Revenue 2016: $2,850,919Expenses 2016: $2,323,868Net Income 2016: $527,0512016Revenue 2017: $3,002,707Expenses 2017: $2,637,570Net Income 2017: $365,1372017Revenue 2019: $3,621,690Expenses 2019: $3,170,712Net Income 2019: $450,9782019Revenue 2020: $3,720,551Expenses 2020: $3,047,023Net Income 2020: $673,5282020Revenue 2021: $3,831,238Expenses 2021: $3,254,918Net Income 2021: $576,3202021Revenue 2022: $4,516,158Expenses 2022: $3,746,043Net Income 2022: $770,1152022

Highlighted filing

2013

Revenue$2,129,237
Expenses$1,853,447
Net Income$275,790
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 4, 2014
Return Version
2013v3.0
Gross Receipts
$2,129,237
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$23,006,169$22,638,124▼ $368,045
Cash and Non-Interest-Bearing Accounts$8,857,542$10,715,098▲ $1,857,556
Savings and Temporary Cash Investments$7,811,368$8,354,874▲ $543,506
Rtn Earn Endowment Incm Other Fnds$5,440,085$5,564,062▲ $123,977
Land, Buildings, and Equipment, Net$57,615$71,874▲ $14,259
Prepaid Expenses and Deferred Charges$11,488$6,825▼ $4,663
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$40,956,358$43,052,809▲ $2,096,451
Other Assets Total$1,212,176$1,266,014▲ $53,838
Liabilities
Other Liabilities$35,337,832$37,034,784▲ $1,696,952
Accounts Payable and Accrued Expenses$178,441$453,963▲ $275,522
Total Liabilities$35,516,273$37,488,747▲ $1,972,474
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,440,085$5,564,062▲ $123,977
Total Liabilities and Net Assets / Fund Balance$40,956,358$43,052,809▲ $2,096,451

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$14,097$316,231$330,328
Buildings$31,687$285,429$317,116
Other Land Buildings$2,941$90,515$93,456
Land$23,149-$23,149
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sonda DavidsonPresidentFT$84,244$32,150$116,394
Lela BachmanSecretary/treasurerPT$4,703-$4,703

Board Members and Trustees

NameTitle
Carol WoodChairman
Kelly WelchVice Chairman
Elden KneibDirector
Greg LoganDirector
Julie SchultzDirector
Ken BrysonDirector
Kenny MartinezDirector
Tom ChleboradDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,057,954
Investment Income
$56,243
Other Revenue
$15,040
Change in Net Assets
$275,790
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,227,586
Salaries, Compensation, and Employee Benefits$510,968
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$331,638
Other Salaries and Wages---$257,967
Information Technology---$175,188
Current Officers, Directors, Trustees, and Key Employees---$121,097
Benefits to Members---$114,893
Pension Plan Contributions---$55,449
Other Employee Benefits---$47,652
All Other Expenses---$46,069
Occupancy---$42,571
Advertising---$40,648
Insurance---$37,126
Depreciation Depletion---$36,648
Payroll Taxes---$28,803
Other Expenses---$22,266
Fees for Services Accounting---$15,864
Conferences and Meetings---$9,463
Fees for Services Legal---$3,212
Total Functional Expenses$0$0$0$1,853,447
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$37,034,784
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
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

“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

“Significant changes such as changes to bylaws and mergers 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 details of the 990 before presenting it to the board of directors.”

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

“Annually, all officers, directors, and key employees are required to review the conflict of interest policy, disclose any interests that could give rise to conflicts, and submit a signed statement to that effect. These statements are maintained on file at the credit union.”

Form 990, Part VI, Section B, line 15

“The board of directors determines and approves the president's compensation. They also review and approve the president's recommendations for all other salaries. The board's deliberations and decisions are documented in the minutes.”

Form 990, Part VI, Section C, line 19

“Financial statements are posted monthly 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
44-0261775
Phone
8162328754

Signing Officer

Name
Sonda Davidson
Title
President
Phone
8162328754
Signed
2014-03-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sonda Davidson
Formed
1937
Legal Domicile
Mo
Voting Board Members
9
Independent Board Members
9
Employees
11
Volunteers
12

Preparer

Phone
9138946214
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Change in other comprehensive income - pension fund liability -151,813.”

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.

Path#Value
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IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0178441
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0453963
IRS990/ActivitiesConductedPrtshpInd00
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/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
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IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT
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IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2013, THERE WERE 2,783 LOANS OUTSTANDING TOTALING $22,837,599.
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IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt015040
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt015040
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05440085
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05564062
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07811368
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08354874
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt031687
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0285429
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0317116
IRS990ScheduleD/EquipmentGrp/BookValueAmt014097
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0316231
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0330328
IRS990ScheduleD/LandGrp/BookValueAmt023149
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt023149
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt02941
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt090515
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt093456
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt037034784
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt071874
IRS990ScheduleD/TotalLiabilityAmt037034784
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/ExplanationTxt2SIGNIFICANT CHANGES SUCH AS CHANGES TO BYLAWS AND MERGERS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PRESIDENT REVIEWS DETAILS OF THE 990 BEFORE PRESENTING IT TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ANNUALLY, ALL OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS DETERMINES AND APPROVES THE PRESIDENT'S COMPENSATION. THEY ALSO REVIEW AND APPROVE THE PRESIDENT'S RECOMMENDATIONS FOR ALL OTHER SALARIES. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED MONTHLY 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/ExplanationTxt7CHANGE IN OTHER COMPREHENSIVE INCOME - PENSION FUND LIABILITY -151,813.
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 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XI, line 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt040956358
IRS990/TotalAssetsEOYAmt043052809
IRS990/TotalAssetsGrp/BOYAmt040956358
IRS990/TotalAssetsGrp/EOYAmt043052809
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/TotalAmt01853447
IRS990/TotalGrossUBIAmt014462
IRS990/TotalLiabilitiesBOYAmt035516273
IRS990/TotalLiabilitiesEOYAmt037488747
IRS990/TotalLiabilitiesGrp/BOYAmt035516273
IRS990/TotalLiabilitiesGrp/EOYAmt037488747
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05440085
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05564062
IRS990/TotalOtherCompensationAmt032150
IRS990/TotalProgramServiceRevenueAmt02057954
IRS990/TotalReportableCompFromOrgAmt088947
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02114775
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02129237
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt014462
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt040956358
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt043052809
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101905 HOWARD ST
IRS990/USAddress/City0ST JOSEPH
IRS990/USAddress/State0MO
IRS990/USAddress/ZIPCode064501
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.GOETZCU.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0SONDA DAVIDSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08162328754
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-03-04
ReturnHeader/Filer/BusinessName/BusinessNameLine10GOETZ CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0GOET
ReturnHeader/Filer/EIN0440261775
ReturnHeader/Filer/PhoneNum08162328754
ReturnHeader/Filer/USAddress/AddressLine101905 HOWARD ST
ReturnHeader/Filer/USAddress/City0ST JOSEPH
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode064501
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431592217
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode066061
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/ReturnTs02014-03-04T13:46:41-06:00
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
$43,052,809
Liabilities
$37,488,747
Net assets
$5,564,062
Revenue
$2,129,237
Expenses
$1,853,447
Net income
$275,790
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$85.5$75.6$9.91$4.52$3.75$0.77
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$85.9$76.9$8.98$3.83$3.25$0.58
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$74.7$66.2$8.52$3.72$3.05$0.67
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$61.6$53.6$8.00$3.62$3.17$0.45
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$55.8$48.7$7.14$3.00$2.64$0.37
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$54.9$48.0$6.87$2.85$2.32$0.53
2015Detailed filing. Detailed filing data is available for this year.$51.8$45.4$6.38$2.45$1.91$0.54
2013Detailed filing. Detailed filing data is available for this year.$43.1$37.5$5.56$2.13$1.85$0.28
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.0$35.5$5.44$1.85
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.7$32.6$5.14$1.66
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.4$29.6$4.78$1.46
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $25M-$50M nonprofits