Civic Intelligence

Vizo Financial Corporate Credit Union

EIN 56-1295697 • 501(c)14 • Greensboro, NC

View Organization Page

Profile

Driving credit union success through proven excellence, expertise, and engaged partnerships.

7900 Triad Center Drive 410Greensboro, NC 27409

www.vfccu.org

Siviq Scores

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

Liabilities / Assets

43rd percentile

0.90x

Higher debt load relative to assets than 43% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

63rd percentile

15.94x

Higher debt load relative to revenue than 63% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

55th percentile

9.7%

Higher net margin than 55% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

34th percentile

$847,427

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 0.2% of source-year revenue.

501(c)14 • $1B+ nonprofits • Source year 2024

Asset Growth

28th percentile

0.0%

Faster asset growth than 28% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

21st percentile

9.8%

Faster revenue growth than 21% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$6,045,495,809

Up $2,584,829 (+0.0%) from 2023

Liabilities

Down

$5,460,539,370

Down $26,968,691 (-0.5%) from 2023

Net Assets

Up

$584,956,439

Up $29,553,520 (+5.3%) from 2023

Operations
Liabilities / Revenue63rd percentileNet Margin55th percentile

Revenue

Up

$342,674,561

Up $30,611,000 (+9.8%) from 2023

Expenses

Up

$309,550,906

Up $58,352,614 (+23%) from 2023

Net Income

Down

$33,123,655

Down $27,741,614 (-46%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth28th percentile

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

$8.0B$6.0B$4.0B$2.0B$0-$2.0BAssets 2010: $1,917,670,925Liabilities 2010: $1,929,115,582Net Assets 2010: -$11,444,6572010Assets 2011: $1,450,098,602Liabilities 2011: $1,385,038,678Net Assets 2011: $65,059,9242011Assets 2012: $1,382,776,073Liabilities 2012: $1,303,605,599Net Assets 2012: $79,170,4742012Assets 2013: $1,376,975,643Liabilities 2013: $1,295,138,179Net Assets 2013: $81,837,4642013Assets 2014: $1,092,759,285Liabilities 2014: $1,006,448,554Net Assets 2014: $86,310,7312014Assets 2015: $1,458,564,292Liabilities 2015: $1,373,247,842Net Assets 2015: $85,316,4502015Assets 2016: $3,830,569,305Liabilities 2016: $3,549,392,530Net Assets 2016: $281,176,7752016Assets 2017: $4,176,637,542Liabilities 2017: $3,879,592,335Net Assets 2017: $297,045,2072017Assets 2018: $3,607,137,172Liabilities 2018: $3,305,501,239Net Assets 2018: $301,635,9332018Assets 2019: $4,707,672,721Liabilities 2019: $4,386,653,730Net Assets 2019: $321,018,9912019Assets 2020: $7,383,800,862Liabilities 2020: $7,019,022,453Net Assets 2020: $364,778,4092020Assets 2021: $5,382,501,749Liabilities 2021: $4,927,806,728Net Assets 2021: $454,695,0212021Assets 2022: $6,740,797,633Liabilities 2022: $6,247,237,000Net Assets 2022: $493,560,6332022Assets 2023: $6,042,910,980Liabilities 2023: $5,487,508,061Net Assets 2023: $555,402,9192023Assets 2024: $6,045,495,809Liabilities 2024: $5,460,539,370Net Assets 2024: $584,956,4392024

Highlighted filing

2024

Assets$6,045,495,809
Liabilities$5,460,539,370
Net Assets$584,956,439
Open 2024 Filing

Operations Trend

Revenue Growth21st percentile

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

$400M$300M$200M$100M$0Expenses 2010: $14,810,6862010Expenses 2011: $11,475,6922011Expenses 2012: $9,637,0142012Revenue 2013: $13,571,542Expenses 2013: $9,713,667Net Income 2013: $3,857,8752013Revenue 2014: $13,463,925Expenses 2014: $9,681,762Net Income 2014: $3,782,1632014Revenue 2015: $12,085,896Expenses 2015: $9,320,688Net Income 2015: $2,765,2082015Revenue 2016: $45,771,635Expenses 2016: $34,448,394Net Income 2016: $11,323,2412016Revenue 2017: $67,412,796Expenses 2017: $55,848,241Net Income 2017: $11,564,5552017Revenue 2018: $92,590,786Expenses 2018: $79,994,064Net Income 2018: $12,596,7222018Revenue 2019: $115,178,255Expenses 2019: $99,813,398Net Income 2019: $15,364,8572019Revenue 2020: $76,672,079Expenses 2020: $58,336,350Net Income 2020: $18,335,7292020Revenue 2021: $155,341,145Expenses 2021: $54,006,594Net Income 2021: $101,334,5512021Revenue 2022: $215,933,784Expenses 2022: $135,018,605Net Income 2022: $80,915,1792022Revenue 2023: $312,063,561Expenses 2023: $251,198,292Net Income 2023: $60,865,2692023Revenue 2024: $342,674,561Expenses 2024: $309,550,906Net Income 2024: $33,123,6552024

Highlighted filing

2024

Revenue$342,674,561
Expenses$309,550,906
Net Income$33,123,655
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$6,045,495,809
Liabilities
$5,460,539,370
Net assets
$584,956,439
Revenue
$342,674,561
Expenses
$309,550,906
Net income
$33,123,655
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$6,045$5,461$585$343$310$33.1
2023Detailed filing. Detailed filing data is available for this year.$6,043$5,488$555$312$251$60.9
2022Detailed filing. Detailed filing data is available for this year.$6,741$6,247$494$216$135$80.9
2021Detailed filing. Detailed filing data is available for this year.$5,383$4,928$455$155$54.0$101
2020Detailed filing. Detailed filing data is available for this year.$7,384$7,019$365$76.7$58.3$18.3
2019Detailed filing. Detailed filing data is available for this year.$4,708$4,387$321$115$99.8$15.4
2018Detailed filing. Detailed filing data is available for this year.$3,607$3,306$302$92.6$80.0$12.6
2017Detailed filing. Detailed filing data is available for this year.$4,177$3,880$297$67.4$55.8$11.6
2016Summary only. Only limited summary data is available for this year.$3,831$3,549$281$45.8$34.4$11.3
2015Detailed filing. Detailed filing data is available for this year.$1,459$1,373$85.3$12.1$9.32$2.77
2014Detailed filing. Detailed filing data is available for this year.$1,093$1,006$86.3$13.5$9.68$3.78
2013Detailed filing. Detailed filing data is available for this year.$1,377$1,295$81.8$13.6$9.71$3.86
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,383$1,304$79.2$9.64
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,450$1,385$65.1$11.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,918$1,929$11.4$14.8
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 3, 2025
Return Version
2024v5.2
Gross Receipts
$342,674,561
Mission and Program Overview

Mission

Maximize the value of member ownership through superior service and personalized products.

Vizo financial is the credit unions' 'credit union' offering liquidity services, investment solutions and payment services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$2,781,191,124$3,006,721,490▲ $225,530,366
Savings and Temporary Cash Investments$3,064,455,531$2,867,191,795▼ $197,263,736
Rtn Earn Endowment Incm Other Fnds$555,402,919$584,956,439▲ $29,553,520
Accounts Receivable$56,752,424$34,050,562▼ $22,701,862
Other Notes and Loans Receivable, Net$34,585,561$32,100,097▼ $2,485,464
Receivables From Officers Etc$8,056,970$30,349,179▲ $22,292,209
Investments Other Securities$14,857,194$19,088,646▲ $4,231,452
Cash and Non-Interest-Bearing Accounts$9,253,581$13,616,105▲ $4,362,524
Prepaid Expenses and Deferred Charges$1,952,169$2,800,171▲ $848,002
Land, Buildings, and Equipment, Net$1,383,017$620,313▼ $762,704
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$6,042,910,980$6,045,495,809▲ $2,584,829
Other Assets Total$70,423,409$38,957,451▼ $31,465,958
Liabilities
Other Liabilities$4,681,874,704$5,404,290,838▲ $722,416,134
Mortgage Notes Payable Secured by Investment Property$750,000,000--
Accounts Payable and Accrued Expenses$55,633,357$56,248,532▲ $615,175
Total Liabilities$5,487,508,061$5,460,539,370▼ $26,968,691
Net Assets / Fund Balance
Total Net Assets Fund Balance$555,402,919$584,956,439▲ $29,553,520
Total Liabilities and Net Assets / Fund Balance$6,042,910,980$6,045,495,809▲ $2,584,829

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$523,002$10,903,560$11,426,562
Leasehold Improvements$97,311$314,922$412,233
Compensation and Service Providers
Top Officer Pay34th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jeffrey StonerSVP/chief Strategy & Technology OfficerFT$778,996$68,431$847,427
Jeffrey StonerSVP/chief Strategy & Technology Offi-$287,265$560,162$847,427
Rodney MaySVP/chief Engagement OfficerFT$261,523$513,158$774,681
Lori GallSVP/chief Risk OfficerFT$250,571$483,632$734,203
Joseph BertottoSVP/chief Culture OfficerFT$221,941$430,639$652,580
Janice ApplebySVP/chief Human ResourcesFT$215,712$406,529$622,241
Fred EiselPresident/CEOFT$440,673$166,595$607,268
Timothy J SustakSVP/chief Treasury OfficerFT$200,775$403,529$604,304
Mark BrownSVP/chief Financial OfficerFT$298,082$261,402$559,484
Scott WoodSVP/chief Investment OfficerFT$240,899$114,971$355,870
David BrehmerPresident/CEO (retired 01/05/24)FT$66,635$167,711$234,346

Board Members and Trustees

NameTitle
Jeff CheliusBoard Chairperson
Daniel BerryBoard Vice Chairperson
Derek FuzzellBoard Secretary
Genice DecorteBoard Treasurer
Jerry KingDirector
Mark VolponiDirector
Paul HughesDirector
Scott WeaverDirector
Scott WoodsDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack HenryEbp Processing PartnerPO BOX 609, Monett, MO 65708$1,601,453
ExpedientOff Site Data CenterPO BOX 645209, Pittsburgh, PA 15264$1,293,115
Cu AnswersCore Data Processor Partner6000 28TH ST, Grand Rapids, MI 49546$1,184,185
AptysFintech Payment Provider6801 PARKWOOD BLVD SUITE 201, Plano, TX 75024$627,971
Moody Analytics INCAlm Solution PlatformPO BOX 1167140, Atlanta, GA 30368$609,964
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$19,982,399
Investment Income
$323,955,161
Other Revenue
$-1,262,999
Change in Net Assets
$33,123,655

Audited Revenue Reconciliation

Revenue per Audited Statements
$345,449,176
Revenue Not Reported on Financial Statements
$-2,774,615
Revenue Not Reported on Form 990
$-4,426,214
Other Revenue Adjustments
$-2,774,615
Total Revenue per Audited Statements
$341,022,962
Total Revenue per Form 990
$342,674,561
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$287,540,148
Salaries, Compensation, and Employee Benefits$21,921,658
Grants and Similar Amounts Paid$89,100
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$259,030,144
Other Salaries and Wages---$12,742,121
Other Employee Benefits---$4,194,148
Information Technology---$2,913,171
Current Officers, Directors, Trustees, and Key Employees---$2,361,272
Office Expenses---$2,344,302
Depreciation Depletion---$1,869,481
Fees for Services Other---$1,569,809
Pension Plan Contributions---$1,497,153
Occupancy---$1,353,572
Payroll Taxes---$1,126,964
Conferences and Meetings---$767,156
Payments to Affiliates---$610,486
Travel---$407,310
Advertising---$369,351
Fees for Services Accounting---$320,264
Insurance---$293,533
Other Expenses---$235,404
Fees for Services Legal---$122,692
Grants to Domestic Orgs---$89,100
Total Functional Expenses$0$0$0$309,550,906

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$309,550,906
Total Expenses per Audited Statements$307,899,307
Expenses per Audited Statements$305,124,692
Expenses Not Reported on Financial Statements$4,426,214
Other Expense Adjustments$4,426,214
Expenses Not Reported on Form 990$2,774,615
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Crossstate Credit Union FoundationHarrisburg, PA501(c)(3)Charitable Contribution$67,700
Carolinas Credit Union FoundationHigh Point, NC501(c)(3)Charitable Contribution$15,400
Southeastern Credit Union FoundationTallahassee, FL501(c)(3)Charitable Contribution$6,000
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$8,056,970$30,349,179▲ $22,292,209
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Daily Share Accounts$5,134,241,813
Certificates$261,603,255
Non-perpetual Capital Shares$8,296,770
Holiday Accumulation Account$149,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Members are made up of natural person credit unions. Membership is required for service.”

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

“We have approximately 600 member-owners who elect the board of directors. Each member organization has one vote.”

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

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur. In addition to election of board members, some major decisions such as merging require membership approval.”

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

“The cfo compiles all requested data for completing form 990 from appropriate departments. He works with the human resources department and the chief human resources officer to ensure all employee compensation data is accurate. Our cpa firm completes a draft of form 990 which is reviewed by the president/ceo and cfo. After the president/ceo and cfo review form 990 and any necessary changes are made, the cpa firm finalizes 990.”

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

“At the start of each board meeting, each director must disclose if there are any potential conflicts of interest regarding any action or discussion topic that will take place during the meeting. If affirmative, that director is excluded from both discussion and action on that specific issue.”

Form 990, Part VI, Section B, Line 15

“We utilize the services of a third-party consultant who specializes in compensation studies for every position within the organization. All positions have set salary ranges based on outside compensation studies and recommendations by the compensation consultant.”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflict of interest policy, and financial statements are not made available to the public.”

Filing and Contact Details

Filer

Filer Name
Vizo Financial Corporate Credit Union
EIN
56-1295697
Phone
3362174992
Address
7900 TRIAD CENTER DRIVE 410, GREENSBORO, NC 27409

Signing Officer

Name
Mark Brown
Title
SVP/CFO
Phone
3362174907
Signed
2025-07-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Fred Eisel
Formed
1980
Legal Domicile
Nc
Voting Board Members
9
Independent Board Members
9
Employees
190
Volunteers
16

Preparer

Firm
Doeren Mayhew
Address
8785 SW 165TH AVENUE SUITE 303, MIAMI, FL 33193
Preparer
Aubrey Clegg
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Professional & outside services 1,569,809.”

FORM 990, PART XI, LINE 9:

“Issuance of perpetual contributed capital 7,796,614. Dividends on perpetual contributed capital -11,267,803.”

Form 990, Part XII, Line 2C

“There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt from most federal, state and local income taxes under the provisions of the internal revenue code (irc) and state tax laws. However, irc section 511 imposes a tax on the unrelated business income derived by state-chartered credit unions. Generally, these taxes are insignificant to the credit union.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Frb eba reported within the form 990 statement of expenses, while the audited financial statements report the amount net of revenue. -4,426,214.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Member incentive reported within the form 990 statement of revenue, while the audited financial statements report the amount net of expenses. Regardless of the differing presentations, ending equity per the 990 is equal to that which is reported in the audited financial statements. -2,774,615.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Member incentive reported within the form 990 statement of revenue, while the audited financial statements report the amount net of expenses. 2,774,615.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Frb eba reported within the form 990 statement of expenses, while the audited financial statements report the amount net of revenue. Regardless of the differing presentations, ending equity per the 990 is equal to that which is reported in the audited financial statements. 4,426,214.”

Raw XML AppendixShowing 400 of 804 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/Form990PartVIISectionAGrp/TitleTxt10SVP/CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11PRESIDENT/CEO (RETIRED 01/05/24)
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IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP/CHIEF INVESTMENT OFFICER
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IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP/CHIEF CULTURE OFFICER
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IRS990/MissionDesc0ACCELERATING CREDIT UNION SUCCESS THROUGH PROVEN INSIGHT, UNMATCHED EXPERTISE AND TRUSTED PARTNERSHIPS.
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11010322
IRS990/ProgSrvcAccomActy2Grp/Desc0FUNDS MANAGEMENT & LIQUIDITY SERVICES: ONE OF THE KEY SERVICES WE PROVIDE MEMBERS IS A COMPLETE LINE OF COMPETITIVE SHORT-TERM DEPOSIT PRODUCTS COMBINED WITH LINES-OF-CREDIT SO THAT THEY CAN MORE EFFECTIVELY MANAGE THEIR CASH FLOW NEEDS.
IRS990/ProgSrvcAccomActy3Grp/Desc0ASSET-LIABILITY MANAGEMENT (ALM) AND RISK MANAGEMENT SERVICES: ALM SERVICES INCLUDE BOTH CONSULTING AND MODELING RISKS INHERENT IN A CREDIT UNION'S BALANCE SHEET. OUR RISK MANAGEMENT SERVICES INCLUDE COMPLIANCE/REGULATORY TRAINING, INFORMATION SYSTEM RISK ASSESSMENTS, BUSINESS CONTINUITY PLANNING, AND ENTERPRISE RISK MANAGEMENT BEST PRACTICES. THESE SERVICES ARE DESIGNED TO HELP CREDIT UNIONS BEST UNDERSTAND AND MITIGATE RISKS THEY ENCOUNTER IN THEIR OPERATIONS.
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IRS990ScheduleD/ExpensesNotRptFinclStmtAmt04426214
IRS990ScheduleD/ExpensesSubtotalAmt0305124692
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt097311
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0314922
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0412233
IRS990ScheduleD/OtherExpensesIncludedAmt02774615
IRS990ScheduleD/OtherExpensesNotIncludedAmt04426214
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt05134241813
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1149000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2261603255
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt38296770
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DAILY SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1HOLIDAY ACCUMULATION ACCOUNT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3NON-PERPETUAL CAPITAL SHARES
IRS990ScheduleD/OtherRevenueAmt0-4426214
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-2774615
IRS990ScheduleD/RevenueNotReportedAmt0-4426214
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1FRB EBA REPORTED WITHIN THE FORM 990 STATEMENT OF EXPENSES, WHILE THE AUDITED FINANCIAL STATEMENTS REPORT THE AMOUNT NET OF REVENUE. -4,426,214.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2MEMBER INCENTIVE REPORTED WITHIN THE FORM 990 STATEMENT OF REVENUE, WHILE THE AUDITED FINANCIAL STATEMENTS REPORT THE AMOUNT NET OF EXPENSES. REGARDLESS OF THE DIFFERING PRESENTATIONS, ENDING EQUITY PER THE 990 IS EQUAL TO THAT WHICH IS REPORTED IN THE AUDITED FINANCIAL STATEMENTS. -2,774,615.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt3MEMBER INCENTIVE REPORTED WITHIN THE FORM 990 STATEMENT OF REVENUE, WHILE THE AUDITED FINANCIAL STATEMENTS REPORT THE AMOUNT NET OF EXPENSES. 2,774,615.

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