Civic Intelligence

Frontier Community Credit Union

990 • Fiscal year 2014 • EIN 48-0663659

Jan 01, 2014 to Dec 31, 2014 • Filed on Oct 30, 2015

Organization ProfileWWW.FRONTIERCCU.COOP

View Organization Page

PO Box 3032Ft Leavenworth, KS 66027

(913) 651-6575

Siviq Scores

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

Liabilities / Assets

21st percentile

0.87x

Higher debt load relative to assets than 21% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

76th percentile

21.60x

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

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

58th percentile

12%

Higher net margin than 58% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

42nd percentile

$177,779

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 3.9% of source-year revenue.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

34th percentile

2.2%

Faster asset growth than 34% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

30th percentile

-0.7%

Faster revenue growth than 30% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets21st percentile

Assets

Up

$114,151,911

Up $2,416,253 (+2.2%) from 2013

Net Assets

Up

$15,345,728

Up $557,375 (+3.8%) from 2013

Liabilities

Up

$98,806,183

Up $1,858,878 (+1.9%) from 2013

Revenue And Expenses
Liabilities / Revenue76th percentileNet Margin58th percentile

Revenue

Down

$4,575,127

Down $31,138 (-0.7%) from 2013

Expenses

Up

$4,017,752

Up $165,806 (+4.3%) from 2013

Net Income

Down

$557,375

Down $196,944 (-26%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth34th percentile

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

$300M$200M$100M$0Assets 2010: $97,073,021Liabilities 2010: $85,032,520Net Assets 2010: $12,040,5012010Assets 2011: $103,642,934Liabilities 2011: $90,298,678Net Assets 2011: $13,344,2562011Assets 2012: $109,194,637Liabilities 2012: $95,204,217Net Assets 2012: $13,990,4202012Assets 2013: $111,735,658Liabilities 2013: $96,947,305Net Assets 2013: $14,788,3532013Assets 2014: $114,151,911Liabilities 2014: $98,806,183Net Assets 2014: $15,345,7282014Assets 2015: $119,603,251Liabilities 2015: $103,809,019Net Assets 2015: $15,794,2322015Assets 2016: $123,325,809Liabilities 2016: $107,223,603Net Assets 2016: $16,102,2062016Assets 2017: $129,723,812Liabilities 2017: $113,190,334Net Assets 2017: $16,533,4782017Assets 2018: $145,582,615Liabilities 2018: $128,346,608Net Assets 2018: $17,236,0072018Assets 2019: $147,451,567Liabilities 2019: $129,934,117Net Assets 2019: $17,517,4502019Assets 2020: $159,317,595Liabilities 2020: $141,340,396Net Assets 2020: $17,977,1992020Assets 2021: $177,390,013Liabilities 2021: $158,516,428Net Assets 2021: $18,873,5852021Assets 2022: $189,315,193Liabilities 2022: $171,097,252Net Assets 2022: $18,217,9412022Assets 2023: $209,223,552Liabilities 2023: $191,609,932Net Assets 2023: $17,613,6202023Assets 2024: $200,933,366Liabilities 2024: $183,968,289Net Assets 2024: $16,965,0772024

Highlighted filing

2014

Assets$114,151,911
Liabilities$98,806,183
Net Assets$15,345,728
Open 2014 Filing

Operations Trend

Revenue Growth30th percentile

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

$20M$15M$10M$5.0M$0-$5.0MExpenses 2010: $4,928,0272010Expenses 2011: $4,362,7902011Expenses 2012: $4,360,6502012Revenue 2013: $4,606,265Expenses 2013: $3,851,946Net Income 2013: $754,3192013Revenue 2014: $4,575,127Expenses 2014: $4,017,752Net Income 2014: $557,3752014Revenue 2015: $4,721,347Expenses 2015: $4,272,843Net Income 2015: $448,5042015Revenue 2016: $5,244,954Expenses 2016: $4,936,980Net Income 2016: $307,9742016Revenue 2017: $6,452,123Expenses 2017: $6,020,851Net Income 2017: $431,2722017Revenue 2018: $7,536,931Expenses 2018: $6,834,402Net Income 2018: $702,5292018Revenue 2019: $8,424,319Expenses 2019: $8,142,876Net Income 2019: $281,4432019Revenue 2020: $8,706,131Expenses 2020: $8,678,369Net Income 2020: $27,7622020Revenue 2021: $9,258,692Expenses 2021: $8,133,954Net Income 2021: $1,124,7382021Revenue 2022: $9,882,689Expenses 2022: $9,293,801Net Income 2022: $588,8882022Revenue 2023: $11,877,062Expenses 2023: $12,523,760Net Income 2023: -$646,6982023Revenue 2024: $14,398,204Expenses 2024: $15,068,673Net Income 2024: -$670,4692024

Highlighted filing

2014

Revenue$4,575,127
Expenses$4,017,752
Net Income$557,375
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Oct 30, 2015
Return Version
2014v5.0
Gross Receipts
$4,931,099
Mission and Program Overview

Mission

As a member owned financial cooperative, our mission is: to provide financial products and services in a professional, friendly, and convenient atmosphere through innovation, technology, and cost effective products. To encourage and educate our members in methods to manage and control their financial well being. To apply safe and sound financial management policies that insure the credit union's continued growth, by maintaining adequate operating controls, capital reserves, and liquidity at all times.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$57,190,805$57,836,752▲ $645,947
Savings and Temporary Cash Investments$25,358,184$32,809,713▲ $7,451,529
Investments in Publicly Traded Securities$22,500,000--
Investments Other Securities-$15,500,000-
Rtn Earn Endowment Incm Other Fnds$14,788,353$15,345,728▲ $557,375
Land, Buildings, and Equipment, Net$3,857,704$3,859,863▲ $2,159
Cash and Non-Interest-Bearing Accounts$1,261,506$1,155,320▼ $106,186
Prepaid Expenses and Deferred Charges$119,462$113,254▼ $6,208
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$111,735,658$114,151,911▲ $2,416,253
Other Assets Total$1,447,997$2,877,009▲ $1,429,012
Liabilities
Other Liabilities$95,937,953$97,955,460▲ $2,017,507
Accounts Payable and Accrued Expenses$892,188$724,073▼ $168,115
Escrow Account Liability$117,164$126,650▲ $9,486
Total Liabilities$96,947,305$98,806,183▲ $1,858,878
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,788,353$15,345,728▲ $557,375
Total Liabilities and Net Assets / Fund Balance$111,735,658$114,151,911▲ $2,416,253

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,870,084$1,462,271$4,332,355
Equipment$106,859$2,404,050$2,510,909
Land$882,920-$882,920
Other Securities$15,500,000--
Compensation and Service Providers
Top Officer Pay42nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
William E HauberPresidentFT$163,050$14,729$177,779
Shelly Anne ArnoldVice President-accountingFT$74,960$4,326$79,286
Michael AugustineVice President-lendingFT$70,438$6,294$76,732
Donald BohnsackDirector--$313$313
Donald HomanChairman--$313$313
John LeavittSecretary--$313$313

Board Members and Trustees

NameTitle
Carol Perry MargueriteDirector
Jeff PorterDirector
Judy GuentherDirector
Ronald HarrodTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,138,802
Investment Income
$416,080
Other Revenue
$20,245
Change in Net Assets
$557,375
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,358,214
Salaries, Compensation, and Employee Benefits$1,634,971
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,067,111
Office Expenses---$514,395
Current Officers, Directors, Trustees, and Key Employees---$334,736
All Other Expenses---$230,006
Depreciation Depletion---$216,675
Occupancy---$166,610
Advertising---$139,016
Payroll Taxes---$105,256
Other Employee Benefits---$87,314
Insurance---$60,465
Fees for Services Accounting---$52,503
Fees for Services Other---$47,740
Conferences and Meetings---$47,020
Pension Plan Contributions---$40,554
Other Expenses---$30,935
Benefits to Members---$24,567
Travel---$14,248
Fees for Service Investment Mgmnt Fees---$13,632
Fees for Services Legal---$6,541
Total Functional Expenses$0$0$0$4,017,752
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$97,955,460
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 2

“Board member, jeffrey porter, is the stepson of board chairman, donald homan.”

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 mergers and changes to bylaws 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 the form 990 before filing.”

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

“Annually, employees, officers and directors sign an agreement of understanding of insider policy and an employee/volunteer conflict of interest statement that requires disclosure of any related parties and possible conflicts of interest. The signed documents are maintained on file at the credit union.”

Form 990, Part VI, Section B, Line 15

“Frontier community credit union utilizes a compensation service that provides market specific/position specific pay data. Compensation for officers and key employees as well as an annual budget is approved by the board of directors. The board approves annual pay increases.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union 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

Filer Name
Frontier Community Credit Union
EIN
48-0663659
Phone
9136516575
Address
PO BOX 3032, FT LEAVENWORTH, KS 66027

Signing Officer

Name
Michael Augustine
Title
President
Phone
9136516575
Signed
2015-10-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael Augustine
Formed
1954
Legal Domicile
Ks
Voting Board Members
7
Independent Board Members
7
Employees
44
Volunteers
11

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Phone
9138946214
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“The credit union maintains escrow accounts for insurance and property taxes related to member real estate loans.”

Raw XML AppendixShowing 400 of 413 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0892188
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0724073
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0AS A MEMBER OWNED FINANCIAL COOPERATIVE, OUR MISSION IS: TO PROVIDE FINANCIAL PRODUCTS AND SERVICES IN A PROFESSIONAL, FRIENDLY, AND CONVENIENT ATMOSPHERE THROUGH INNOVATION, TECHNOLOGY, AND COST EFFECTIVE PRODUCTS. TO ENCOURAGE AND EDUCATE OUR MEMBERS IN METHODS TO MANAGE AND CONTROL THEIR FINANCIAL WELL BEING. TO APPLY SAFE AND SOUND FINANCIAL MANAGEMENT POLICIES THAT INSURE THE CREDIT UNION'S CONTINUED GROWTH, BY MAINTAINING ADEQUATE OPERATING CONTROLS, CAPITAL RESERVES, AND LIQUIDITY AT ALL TIMES.
IRS990/AdvertisingGrp/TotalAmt0139016
IRS990/AllOtherExpensesGrp/TotalAmt0230006
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt024567
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0MICHAEL AUGUSTINE
IRS990/BooksInCareOfDetail/PhoneNum09136516575
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0690 EISENHOWER ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0LEAVENWORTH
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0KS
IRS990/BooksInCareOfDetail/USAddress/ZIPCd066048
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01261506
IRS990/CashNonInterestBearingGrp/EOYAmt01155320
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0334736
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt047020
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt024567
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0416080
IRS990/CYOtherExpensesAmt02358214
IRS990/CYOtherRevenueAmt020245
IRS990/CYProgramServiceRevenueAmt04138802
IRS990/CYRevenuesLessExpensesAmt0557375
IRS990/CYSalariesCompEmpBnftPaidAmt01634971
IRS990/CYTotalExpensesAmt04017752
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt04575127
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0216675
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 11,168 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt044
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt0117164
IRS990/EscrowAccountLiabilityGrp/EOYAmt0126650
IRS990/FamilyOrBusinessRlnInd01
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt052503
IRS990/FeesForServicesLegalGrp/TotalAmt06541
IRS990/FeesForServicesOtherGrp/TotalAmt047740
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt013632
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt0313
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1313
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt6313
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt714120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt86294
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt94326
IRS990/Form990PartVIISectionAGrp/PersonNm0DONALD HOMAN
IRS990/Form990PartVIISectionAGrp/PersonNm1JOHN LEAVITT
IRS990/Form990PartVIISectionAGrp/PersonNm2RONALD HARROD
IRS990/Form990PartVIISectionAGrp/PersonNm3JUDY GUENTHER
IRS990/Form990PartVIISectionAGrp/PersonNm4JEFF PORTER
IRS990/Form990PartVIISectionAGrp/PersonNm5CAROL PERRY MARGUERITE
IRS990/Form990PartVIISectionAGrp/PersonNm6DONALD BOHNSACK
IRS990/Form990PartVIISectionAGrp/PersonNm7WILLIAM E HAUBER
IRS990/Form990PartVIISectionAGrp/PersonNm8MICHAEL AUGUSTINE
IRS990/Form990PartVIISectionAGrp/PersonNm9SHELLY ANNE ARNOLD
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7163659
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt870438
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt974960
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE PRESIDENT-LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt9VICE PRESIDENT-ACCOUNTING
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-31572
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0324400
IRS990/GrossReceiptsAmt04931099
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt060465
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0447652
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0447652
IRS990/InvestmentInJointVentureInd01
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt015500000
IRS990/InvestmentsPubTradedSecGrp/BOYAmt022500000
IRS990/IRPDocumentCnt03106
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03866321
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03857704
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03859863
IRS990/LandBldgEquipCostOrOtherBssAmt07726184
IRS990/LegalDomicileStateCd0KS
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0355972
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0AS A MEMBER OWNED FINANCIAL COOPERATIVE, OUR MISSION IS: TO PROVIDE FINANCIAL PRODUCTS AND SERVICES IN A PROFESSIONAL, FRIENDLY, AND CONVENIENT ATMOSPHERE THROUGH INNOVATION, TECHNOLOGY, AND COST EFFECTIVE PRODUCTS. TO ENCOURAGE AND EDUCATE OUR MEMBERS IN METHODS TO MANAGE AND CONTROL THEIR FINANCIAL WELL BEING. TO APPLY SAFE AND SOUND FINANCIAL MANAGEMENT POLICIES THAT INSURE THE CREDIT UNION'S CONTINUED GROWTH, BY MAINTAINING ADEQUATE OPERATING CONTROLS, CAPITAL RESERVES, AND LIQUIDITY AT ALL TIMES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt014788353
IRS990/NetAssetsOrFundBalancesEOYAmt015345728
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-31572
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-31572
IRS990/NetUnrelatedBusTxblIncmAmt0-1479
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0166610
IRS990/OfficeExpensesGrp/TotalAmt0514395
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01447997
IRS990/OtherAssetsTotalGrp/EOYAmt02877009
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt087314
IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt0468232
IRS990/OtherExpensesGrp/TotalAmt1209451
IRS990/OtherExpensesGrp/TotalAmt2140745
IRS990/OtherExpensesGrp/TotalAmt330935
IRS990/OtherLiabilitiesGrp/BOYAmt095937953
IRS990/OtherLiabilitiesGrp/EOYAmt097955460
IRS990/OtherSalariesAndWagesGrp/TotalAmt01067111
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt057190805
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt057836752
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0105256
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt040554
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0119462
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0113254
IRS990/PrincipalOfficerNm0MICHAEL AUGUSTINE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2NON-MEMBER ATM FEES
IRS990/ProgramServiceRevenueGrp/Desc3OTHER INSURANCE
IRS990/ProgramServiceRevenueGrp/Desc4WARRANTY SALES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02884101
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11181967
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02884101
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11181967
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt266378
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt34523
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt41833
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt066378
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt14523
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt21833
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2014, THERE WERE 4,811 LOANS OUTSTANDING TOTALING $58,312,024.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $468,232 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt013056
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0427963
IRS990/PYOtherExpensesAmt02200938
IRS990/PYOtherRevenueAmt020681
IRS990/PYProgramServiceRevenueAmt04157621
IRS990/PYRevenuesLessExpensesAmt0754319
IRS990/PYSalariesCompEmpBnftPaidAmt01637952
IRS990/PYTotalExpensesAmt03851946
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04606265
IRS990/ReconcilationRevenueExpnssAmt0557375
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt020245
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt020245
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt014788353
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt015345728
IRS990/SavingsAndTempCashInvstGrp/BOYAmt025358184
IRS990/SavingsAndTempCashInvstGrp/EOYAmt032809713
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02870084
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01462271
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04332355
IRS990ScheduleD/EquipmentGrp/BookValueAmt0106859
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02404050
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02510909
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt0882920
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0882920
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt097955460
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt015500000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0HTM FEDERAL AGENCY SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO MEMBER REAL ESTATE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03859863
IRS990ScheduleD/TotalBookValueSecuritiesAmt015500000
IRS990ScheduleD/TotalLiabilityAmt097955460
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0163050
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0609
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt08272
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt05848
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0WILLIAM E HAUBER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0177779
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0FRONTIER COMMUNITY CREDIT UNION UTILIZES A COMPENSATION SERVICE THAT PROVIDES MARKET SPECIFIC/POSITION SPECIFIC PAY DATA. THE BOARD OF DIRECTORS USES THIS DATA IN DETERMINING COMPENSATION FOR THE PRESIDENT. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0BOARD MEMBER, JEFFREY PORTER, IS THE STEPSON OF BOARD CHAIRMAN, DONALD HOMAN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SIGNIFICANT CHANGES SUCH AS MERGERS AND CHANGES TO BYLAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE PRESIDENT REVIEWS THE FORM 990 BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ANNUALLY, EMPLOYEES, OFFICERS AND DIRECTORS SIGN AN AGREEMENT OF UNDERSTANDING OF INSIDER POLICY AND AN EMPLOYEE/VOLUNTEER CONFLICT OF INTEREST STATEMENT THAT REQUIRES DISCLOSURE OF ANY RELATED PARTIES AND POSSIBLE CONFLICTS OF INTEREST. THE SIGNED DOCUMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FRONTIER COMMUNITY CREDIT UNION UTILIZES A COMPENSATION SERVICE THAT PROVIDES MARKET SPECIFIC/POSITION SPECIFIC PAY DATA. COMPENSATION FOR OFFICERS AND KEY EMPLOYEES AS WELL AS AN ANNUAL BUDGET IS APPROVED BY THE BOARD OF DIRECTORS. THE BOARD APPROVES ANNUAL PAY INCREASES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION 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/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0111735658
IRS990/TotalAssetsEOYAmt0114151911
IRS990/TotalAssetsGrp/BOYAmt0111735658
IRS990/TotalAssetsGrp/EOYAmt0114151911
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt044
IRS990/TotalFunctionalExpensesGrp/TotalAmt04017752
IRS990/TotalGrossUBIAmt072734
IRS990/TotalLiabilitiesBOYAmt096947305
IRS990/TotalLiabilitiesEOYAmt098806183
IRS990/TotalLiabilitiesGrp/BOYAmt096947305
IRS990/TotalLiabilitiesGrp/EOYAmt098806183
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt014788353
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt015345728
IRS990/TotalOtherCompensationAmt025679
IRS990/TotalProgramServiceRevenueAmt04138802
IRS990/TotalReportableCompFromOrgAmt0309057
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04502393
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04575127
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt072734
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0111735658
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0114151911
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt014248
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0690 EISENHOWER ROAD
IRS990/USAddress/CityNm0LEAVENWORTH
IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd066048
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.FRONTIERCCU.COOP
IRS990/WhistleblowerPolicyInd01
IRS990/WrittenPolicyOrProcedureInd01
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHAEL AUGUSTINE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum09136516575
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-10-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FRONTIER COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FRON
ReturnHeader/Filer/EIN0480663659
ReturnHeader/Filer/PhoneNum09136516575
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 3032
ReturnHeader/Filer/USAddress/CityNm0FT LEAVENWORTH
ReturnHeader/Filer/USAddress/StateAbbreviationCd0KS

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$114,151,911
Liabilities
$98,806,183
Net assets
$15,345,728
Revenue
$4,575,127
Expenses
$4,017,752
Net income
$557,375
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$201$184$17.0$14.4$15.1$0.67
2023Detailed filing. Detailed filing data is available for this year.$209$192$17.6$11.9$12.5$0.65
2022Detailed filing. Detailed filing data is available for this year.$189$171$18.2$9.88$9.29$0.59
2021Detailed filing. Detailed filing data is available for this year.$177$159$18.9$9.26$8.13$1.12
2020Detailed filing. Detailed filing data is available for this year.$159$141$18.0$8.71$8.68$0.03
2019Detailed filing. Detailed filing data is available for this year.$147$130$17.5$8.42$8.14$0.28
2018Detailed filing. Detailed filing data is available for this year.$146$128$17.2$7.54$6.83$0.70
2017Detailed filing. Detailed filing data is available for this year.$130$113$16.5$6.45$6.02$0.43
2016Detailed filing. Detailed filing data is available for this year.$123$107$16.1$5.24$4.94$0.31
2015Detailed filing. Detailed filing data is available for this year.$120$104$15.8$4.72$4.27$0.45
2014Detailed filing. Detailed filing data is available for this year.$114$98.8$15.3$4.58$4.02$0.56
2013Detailed filing. Detailed filing data is available for this year.$112$96.9$14.8$4.61$3.85$0.75
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$109$95.2$14.0$4.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$104$90.3$13.3$4.36
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$97.1$85.0$12.0$4.93