Civic Intelligence

State Chartered Credit Union in North Carolina

990 • Fiscal year 2015 • EIN 56-6045330

Jan 01, 2015 to Dec 31, 2015 • Filed on May 11, 2016

PO Box 1440Waynesville, NC 28786

(828) 456-1840

Siviq Scores

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

Liabilities / Assets

19th percentile

0.85x

Higher debt load relative to assets than 19% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Liabilities / Revenue

88th percentile

27.15x

Higher debt load relative to revenue than 88% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Net Margin

77th percentile

16%

Higher net margin than 77% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Top Officer Pay

64th percentile

$150,360

Higher top officer pay than 64% of similar nonprofits.

Top officer pay equals 6.3% of source-year revenue.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Asset Growth

36th percentile

2.7%

Faster asset growth than 36% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Revenue Growth

39th percentile

0.7%

Faster revenue growth than 39% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Assets

Up

$77,176,298

Up $2,023,265 (+2.7%) from 2014

Net Assets

Up

$11,884,108

Up $376,213 (+3.3%) from 2014

Liabilities

Up

$65,292,190

Up $1,647,052 (+2.6%) from 2014

Revenue

Up

$2,404,834

Up $16,756 (+0.7%) from 2014

Expenses

Up

$2,028,621

Up $37,898 (+1.9%) from 2014

Net Income

Down

$376,213

Down $21,142 (-5.3%) from 2014

Historical Trend

Balance Sheet Trend

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

$150M$100M$50M$0Assets 2011: $67,542,684Liabilities 2011: $57,153,725Net Assets 2011: $10,388,9592011Assets 2012: $72,573,077Liabilities 2012: $61,660,530Net Assets 2012: $10,912,5472012Assets 2013: $73,467,778Liabilities 2013: $62,357,238Net Assets 2013: $11,110,5402013Assets 2014: $75,153,033Liabilities 2014: $63,645,138Net Assets 2014: $11,507,8952014Assets 2015: $77,176,298Liabilities 2015: $65,292,190Net Assets 2015: $11,884,1082015Assets 2016: $79,901,108Liabilities 2016: $67,647,022Net Assets 2016: $12,254,0862016Assets 2017: $81,020,181Liabilities 2017: $68,528,534Net Assets 2017: $12,491,6472017Assets 2018: $81,793,922Liabilities 2018: $69,136,848Net Assets 2018: $12,657,0742018Assets 2019: $82,717,800Liabilities 2019: $69,654,296Net Assets 2019: $13,063,5042019Assets 2020: $91,768,384Liabilities 2020: $78,081,992Net Assets 2020: $13,686,3922020Assets 2021: $101,870,713Liabilities 2021: $87,671,077Net Assets 2021: $14,199,6362021Assets 2022: $101,482,184Liabilities 2022: $86,444,148Net Assets 2022: $15,038,0362022Assets 2023: $101,646,194Liabilities 2023: $86,469,927Net Assets 2023: $15,176,2672023Assets 2025: $95,135,567Liabilities 2025: $79,128,932Net Assets 2025: $16,006,6352025

Highlighted filing

2015

Assets$77,176,298
Liabilities$65,292,190
Net Assets$11,884,108

Operations Trend

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

$6.0M$4.0M$2.0M$0Expenses 2011: $2,251,5152011Expenses 2012: $2,330,7592012Revenue 2013: $2,517,422Expenses 2013: $2,319,429Net Income 2013: $197,9932013Revenue 2014: $2,388,078Expenses 2014: $1,990,723Net Income 2014: $397,3552014Revenue 2015: $2,404,834Expenses 2015: $2,028,621Net Income 2015: $376,2132015Revenue 2016: $2,478,720Expenses 2016: $2,108,742Net Income 2016: $369,9782016Revenue 2017: $2,617,306Expenses 2017: $2,379,745Net Income 2017: $237,5612017Revenue 2018: $2,832,956Expenses 2018: $2,667,529Net Income 2018: $165,4272018Revenue 2019: $2,977,724Expenses 2019: $2,571,294Net Income 2019: $406,4302019Revenue 2020: $2,806,169Expenses 2020: $2,182,581Net Income 2020: $623,5882020Revenue 2021: $2,731,622Expenses 2021: $2,218,378Net Income 2021: $513,2442021Revenue 2022: $3,030,686Expenses 2022: $2,192,286Net Income 2022: $838,4002022Revenue 2023: $3,418,199Expenses 2023: $2,926,082Net Income 2023: $492,1172023Revenue 2025: $4,072,450Expenses 2025: $3,521,525Net Income 2025: $550,9252025

Highlighted filing

2015

Revenue$2,404,834
Expenses$2,028,621
Net Income$376,213
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 11, 2016
Return Version
2015v2.1
Gross Receipts
$2,404,834
Mission and Program Overview

Mission

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$37,816,411$40,578,197▲ $2,761,786
Savings and Temporary Cash Investments$33,238,997$32,645,038▼ $593,959
Rtn Earn Endowment Incm Other Fnds$11,507,895$11,884,108▲ $376,213
Land, Buildings, and Equipment, Net$2,399,489$2,297,658▼ $101,831
Cash and Non-Interest-Bearing Accounts$882,310$841,864▼ $40,446
Prepaid Expenses and Deferred Charges$71,087$76,658▲ $5,571
Total Assets$75,153,033$77,176,298▲ $2,023,265
Other Assets Total$744,739$736,883▼ $7,856
Liabilities
Other Liabilities$63,439,201$65,141,580▲ $1,702,379
Accounts Payable and Accrued Expenses$205,937$150,610▼ $55,327
Total Liabilities$63,645,138$65,292,190▲ $1,647,052
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,507,895$11,884,108▲ $376,213
Total Liabilities and Net Assets / Fund Balance$75,153,033$77,176,298▲ $2,023,265

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,514,347$231,794$1,746,141
Land$621,325-$621,325
Equipment$161,986$192,982$354,968
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Randall S CrawfordCEOFT$136,518$13,842$150,360
Larry E SmithCFOFT$72,034$11,814$83,848

Board Members and Trustees

NameTitle
Johnny BradshawDirector
Jonas L GunterDirector
Patrick BradshawDirector
Roger WrightDirector
Bobby CappsBod Presiden
Bobby CogdillSecretary/tr
David SuttonVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,134,141
Investment Income
$270,693
Other Revenue
$0
Change in Net Assets
$376,213
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,301,835
Salaries, Compensation, and Employee Benefits$726,786
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$417,155--$417,155
Other Salaries and Wages$325,068--$325,068
Current Officers, Directors, Trustees, and Key Employees-$208,552-$208,552
All Other Expenses$177,175--$177,175
Other Employee Benefits$124,653$25,656-$150,309
Depreciation Depletion$110,221--$110,221
Information Technology$94,612--$94,612
Occupancy$68,834--$68,834
Other Expenses$64,763--$64,763
Payroll Taxes$28,019$14,838-$42,857
Insurance$27,919--$27,919
Fees for Services Accounting$11,425--$11,425
Fees for Services Legal$9,285--$9,285
Advertising$7,934--$7,934
Conferences and Meetings-$4,009-$4,009
Travel$319$1,621-$1,940
Total Functional Expenses$1,773,945$254,676$0$2,028,621
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
MEMBERS SHARE\SAVINGS ACCOUNTS$65,141,580
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
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

Wnc community credit union's membership is made up of anyone living or working in haywood or jackson county, nc and is approved by a credit union employee and maintains a minimum balance in a share savings account.

Form 990, Page 6, Part VI, Line 7A

At the annual business meeting of the credit union, the members elect members to the board of directors.

Form 990, Page 6, Part VI, Line 11B

The cpa who prepares the form 990 reviews the return with the ceo and/or cfo prior to the return being e-filed. The ceo reports the filing of the form 990 to the board.

Form 990, Page 6, Part VI, Line 12C

Each year a supervisory audit or a financial statement audit is conducted. As part of the procedures for these audits, the conflict of interest policy is reviewed and a determination is made as to whether the policy is enforced and functioning.

Form 990, Page 6, Part VI, Line 15A

The board of directors is responsible for the compensation of the ceo. They are provided with documentation regarding the compensation levels of other area credit unions. They utilize this information to make an independent and informed decision regarding the compensation awarded to the ceo.

Form 990, Page 6, Part VI, Line 15B

For other officers and other key employees, the board also makes an informed decision concerning their compensation amounts. They are provided with comparable levels of compensation from other credit unions in north carolina. From this information they vote to approve compensation awarded to officers and other key employees.

Form 990, Page 6, Part VI, Line 19

The organizing documents, conflict of interest policy and financial statements are avaialable to the public upon request.

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Union in Nc
EIN
56-6045330
Phone
8284561840
Address
PO BOX 1440, WAYNESVILLE, NC 28786
Doing Business As
Wnc Community Credit Union

Signing Officer

Name
Randall S Crawford
Title
CEO
Phone
8284561840
Signed
2016-05-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Randall S Crawford
Formed
1946
Legal Domicile
Nc
Voting Board Members
7
Independent Board Members
7
Employees
11

Preparer

Firm
Ray Bumgarner Kingshill & Assoc Pa
Address
385 N HAYWOOD ST STE 3, WAYNESVILLE, NC 28786-5722
Preparer
Mark a Bumgarner CPA
Phone
8284524734
Raw XML Appendix360 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/PYTotalRevenueAmt02388078
IRS990/ReconcilationRevenueExpnssAmt0376213
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt02134141
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt011507895
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt011884108
IRS990/SavingsAndTempCashInvstGrp/BOYAmt033238997
IRS990/SavingsAndTempCashInvstGrp/EOYAmt032645038
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IRS990ScheduleD/BuildingsGrp/BookValueAmt01514347
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0231794
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01746141
IRS990ScheduleD/EquipmentGrp/BookValueAmt0161986
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0192982
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0354968
IRS990ScheduleD/LandGrp/BookValueAmt0621325
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0621325
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt065141580
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARE\SAVINGS ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02297658
IRS990ScheduleD/TotalLiabilityAmt065141580
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0WNC COMMUNITY CREDIT UNION'S MEMBERSHIP IS MADE UP OF ANYONE LIVING OR WORKING IN HAYWOOD OR JACKSON COUNTY, NC AND IS APPROVED BY A CREDIT UNION EMPLOYEE AND MAINTAINS A MINIMUM BALANCE IN A SHARE SAVINGS ACCOUNT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1AT THE ANNUAL BUSINESS MEETING OF THE CREDIT UNION, THE MEMBERS ELECT MEMBERS TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CPA WHO PREPARES THE FORM 990 REVIEWS THE RETURN WITH THE CEO AND/OR CFO PRIOR TO THE RETURN BEING E-FILED. THE CEO REPORTS THE FILING OF THE FORM 990 TO THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3EACH YEAR A SUPERVISORY AUDIT OR A FINANCIAL STATEMENT AUDIT IS CONDUCTED. AS PART OF THE PROCEDURES FOR THESE AUDITS, THE CONFLICT OF INTEREST POLICY IS REVIEWED AND A DETERMINATION IS MADE AS TO WHETHER THE POLICY IS ENFORCED AND FUNCTIONING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS IS RESPONSIBLE FOR THE COMPENSATION OF THE CEO. THEY ARE PROVIDED WITH DOCUMENTATION REGARDING THE COMPENSATION LEVELS OF OTHER AREA CREDIT UNIONS. THEY UTILIZE THIS INFORMATION TO MAKE AN INDEPENDENT AND INFORMED DECISION REGARDING THE COMPENSATION AWARDED TO THE CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FOR OTHER OFFICERS AND OTHER KEY EMPLOYEES, THE BOARD ALSO MAKES AN INFORMED DECISION CONCERNING THEIR COMPENSATION AMOUNTS. THEY ARE PROVIDED WITH COMPARABLE LEVELS OF COMPENSATION FROM OTHER CREDIT UNIONS IN NORTH CAROLINA. FROM THIS INFORMATION THEY VOTE TO APPROVE COMPENSATION AWARDED TO OFFICERS AND OTHER KEY EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE ORGANIZING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAIALABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt077176298
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IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0254676
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01773945
IRS990/TotalFunctionalExpensesGrp/TotalAmt02028621
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt063645138
IRS990/TotalLiabilitiesEOYAmt065292190
IRS990/TotalLiabilitiesGrp/BOYAmt063645138
IRS990/TotalLiabilitiesGrp/EOYAmt065292190
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt011507895
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt011884108
IRS990/TotalOtherCompensationAmt025656
IRS990/TotalProgramServiceExpensesAmt01773945
IRS990/TotalProgramServiceRevenueAmt02134141
IRS990/TotalReportableCompFromOrgAmt0208552
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02404834
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02404834
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt075153033
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt077176298
IRS990/TravelGrp/ManagementAndGeneralAmt01621
IRS990/TravelGrp/ProgramServicesAmt0319
IRS990/TravelGrp/TotalAmt01940
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0579 BUFF CREEK RD
IRS990/USAddress/CityNm0SYLVA
IRS990/USAddress/StateAbbreviationCd0NC
IRS990/USAddress/ZIPCd028779
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.WNCCCU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0RANDALL S CRAWFORD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08284561840
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0STATE CHARTERED CREDIT UNION IN NC
ReturnHeader/Filer/BusinessNameControlTxt0STAT
ReturnHeader/Filer/EIN0566045330
ReturnHeader/Filer/PhoneNum08284561840
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 1440
ReturnHeader/Filer/USAddress/CityNm0WAYNESVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
ReturnHeader/Filer/USAddress/ZIPCd028786
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0561371036
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0RAY BUMGARNER KINGSHILL & ASSOC PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0385 N HAYWOOD ST STE 3
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WAYNESVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0287865722
ReturnHeader/PreparerPersonGrp/PhoneNum08284524734
ReturnHeader/PreparerPersonGrp/PreparationDt02016-05-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MARK A BUMGARNER CPA
ReturnHeader/ReturnTs02016-05-13T09:21:39-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$95.1$79.1$16.0$4.07$3.52$0.55
2023Summary only. Only limited summary data is available for this year.$102$86.5$15.2$3.42$2.93$0.49
2022Summary only. Only limited summary data is available for this year.$101$86.4$15.0$3.03$2.19$0.84
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$102$87.7$14.2$2.73$2.22$0.51
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$91.8$78.1$13.7$2.81$2.18$0.62
2019Summary only. Only limited summary data is available for this year.$82.7$69.7$13.1$2.98$2.57$0.41
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$81.8$69.1$12.7$2.83$2.67$0.17
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$81.0$68.5$12.5$2.62$2.38$0.24
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$79.9$67.6$12.3$2.48$2.11$0.37
2015Detailed filing. Detailed filing data is available for this year.$77.2$65.3$11.9$2.40$2.03$0.38
2014Detailed filing. Detailed filing data is available for this year.$75.2$63.6$11.5$2.39$1.99$0.40
2013Detailed filing. Detailed filing data is available for this year.$73.5$62.4$11.1$2.52$2.32$0.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$72.6$61.7$10.9$2.33
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$67.5$57.2$10.4$2.25
Peer Organizations

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