Civic Intelligence

West Coast Federal Employees Credit Union

EIN 59-0946581 • 501(c)14 • Sarasota, FL

View Organization Page

Profile

Provision of credit union services to state chartered credit union members

3487 Clark RoadSarasota, FL 34231

wcfecu.org

Siviq Scores

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

Liabilities / Assets

56th percentile

0.88x

Higher debt load relative to assets than 56% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

91st percentile

25.23x

Higher debt load relative to revenue than 91% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

15th percentile

-4.8%

Higher net margin than 15% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

19th percentile

$77,000

Higher top officer pay than 19% of similar nonprofits.

Top officer pay equals 7.1% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

68th percentile

3.2%

Faster asset growth than 68% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

15th percentile

-2.6%

Faster revenue growth than 15% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets56th percentile

Assets

Up

$31,117,508

Up $973,963 (+3.2%) from 2014

Liabilities

Up

$27,294,197

Up $1,117,751 (+4.3%) from 2014

Net Assets

Down

$3,823,311

Down $143,788 (-3.6%) from 2014

Operations
Liabilities / Revenue91st percentileNet Margin15th percentile

Revenue

Down

$1,082,021

Down $28,646 (-2.6%) from 2014

Expenses

Up

$1,133,596

Up $60,519 (+5.6%) from 2014

Net Income

Down

-$51,575

Down $89,165 (-237%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth68th percentile

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

$40M$30M$20M$10M$0Assets 2010: $32,025,933Liabilities 2010: $27,559,412Net Assets 2010: $4,466,5212010Assets 2011: $31,856,494Liabilities 2011: $28,004,219Net Assets 2011: $3,852,2752011Assets 2012: $31,845,685Liabilities 2012: $27,932,720Net Assets 2012: $3,912,9652012Assets 2013: $29,875,641Liabilities 2013: $25,995,746Net Assets 2013: $3,879,8952013Assets 2014: $30,143,545Liabilities 2014: $26,176,446Net Assets 2014: $3,967,0992014Assets 2015: $31,117,508Liabilities 2015: $27,294,197Net Assets 2015: $3,823,3112015

Highlighted filing

2015

Assets$31,117,508
Liabilities$27,294,197
Net Assets$3,823,311
Open 2015 Filing

Operations Trend

Revenue Growth15th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,611,3072010Expenses 2011: $2,045,8322011Expenses 2012: $1,238,1252012Revenue 2013: $1,187,222Expenses 2013: $1,155,580Net Income 2013: $31,6422013Revenue 2014: $1,110,667Expenses 2014: $1,073,077Net Income 2014: $37,5902014Revenue 2015: $1,082,021Expenses 2015: $1,133,596Net Income 2015: -$51,5752015

Highlighted filing

2015

Revenue$1,082,021
Expenses$1,133,596
Net Income-$51,575
Open 2015 Filing

Filings

Most recent year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$31,117,508
Liabilities
$27,294,197
Net assets
$3,823,311
Revenue
$1,082,021
Expenses
$1,133,596
Net income
-$51,575
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$31.1$27.3$3.82$1.08$1.13$0.05
2014Detailed filing. Detailed filing data is available for this year.$30.1$26.2$3.97$1.11$1.07$0.04
2013Detailed filing. Detailed filing data is available for this year.$29.9$26.0$3.88$1.19$1.16$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.8$27.9$3.91$1.24
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.9$28.0$3.85$2.05
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.0$27.6$4.47$2.61
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 12, 2016
Return Version
2015v2.1
Gross Receipts
$1,082,021
Mission and Program Overview

Mission

Provision of credit union services to state chartered credit union members

Provision of credit union services to state chartered credit union membership

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$13,929,803$10,345,803▼ $3,584,000
Other Notes and Loans Receivable, Net$9,756,273$9,512,865▼ $243,408
Investments in Publicly Traded Securities$2,010,619$7,863,179▲ $5,852,560
Rtn Earn Endowment Incm Other Fnds$3,967,099$3,823,311▼ $143,788
Savings and Temporary Cash Investments$2,495,935$1,901,801▼ $594,134
Land, Buildings, and Equipment, Net$750,967$727,250▼ $23,717
Cash and Non-Interest-Bearing Accounts$376,543$335,112▼ $41,431
Prepaid Expenses and Deferred Charges$109,204$80,566▼ $28,638
Receivables From Officers Etc$83,812$24,562▼ $59,250
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$30,143,545$31,117,508▲ $973,963
Other Assets Total$630,389$326,370▼ $304,019
Liabilities
Other Liabilities$25,745,535$27,036,272▲ $1,290,737
Accounts Payable and Accrued Expenses$430,911$257,925▼ $172,986
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$26,176,446$27,294,197▲ $1,117,751
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,967,099$3,823,311▼ $143,788
Total Liabilities and Net Assets / Fund Balance$30,143,545$31,117,508▲ $973,963

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$667,066$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$31,302$0$0
Leasehold Improvements$28,882$0$0
Other Securities$294,803--
Closely Held Equity Interests$0--
Financial Derivatives$0--
Compensation and Service Providers
Top Officer Pay19th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Marie PeetPresidentFT$77,000$77,000

Board Members and Trustees

NameTitle
Garrett W FaberChairman
Jack HuppertDirector/ALCO Chair
Richard MuriasDirector/Audit Chairman
Barbara GomezVice Chair
Phyllis McCannaDirector
Karl SmithSecretary
Doris HipsherTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$620,600
Investment Income
$250,769
Other Revenue
$210,652
Change in Net Assets
$-51,575
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$573,936
Salaries, Compensation, and Employee Benefits$559,660
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$440,531
Office Expenses---$140,659
Information Technology---$108,720
Other Employee Benefits---$61,074
Occupancy---$38,105
Payroll Taxes---$36,515
Depreciation Depletion---$35,132
Interest---$35,075
Insurance---$29,911
Advertising---$29,077
Fees for Service Investment Mgmnt Fees---$28,311
Pension Plan Contributions---$21,540
Fees for Services Accounting---$16,214
Conferences and Meetings---$15,681
All Other Expenses---$14,771
Other Expenses---$8,208
Fees for Services Legal---$5,956
Total Functional Expenses$0$0$0$1,133,596
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$83,812$24,562▼ $59,250
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$27,036,272
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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, Part VI, Section A, Line 6

“credit unions are non profit financial cooperatives owned by its members”

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

“members elect the volunteer board of directors from their membership”

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

“the completed form is emailed to the BOD for review and request for comment and then discussed at the next regular BOD meeting”

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

“audit committee and executive committee of the BOD monitor and sanction any member that violated the policy”

Form 990, Part VI, Section B, Line 15

“Compease, and independent HR management co/software co supply comparable salary and wage information annually to be updated which determines wages/salaries depending upon certain factors. BOD approved the program and executive committee reviews annually.”

Form 990, Part VI, Section C, Line 19

“we are not a public entity, not open to public membership, closed field of membership and we comply with the statutes and requirements of the state of Florida and the OFR”

Filing and Contact Details

Filer

Filer Name
West Coast Federal Employees Credit Union
EIN
59-0946581
Phone
9419252890
Address
3487 Clark Road, Sarasota, FL 34231

Signing Officer

Name
Marie Peet
Title
President
Phone
9419252890
Signed
2016-08-12

Organization Details

Formed
1948
Legal Domicile
Fl
Voting Board Members
7
Independent Board Members
7
Employees
12
Volunteers
5
Raw XML AppendixShowing 400 of 508 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/PersonNm7Marie Peet
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IRS990/OtherExpensesGrp/TotalAmt0-85000
IRS990/OtherExpensesGrp/TotalAmt1153116
IRS990/OtherExpensesGrp/TotalAmt28208
IRS990/OtherLiabilitiesGrp/BOYAmt025745535
IRS990/OtherLiabilitiesGrp/EOYAmt027036272
IRS990/OtherOrganizationDsc0State Chartered credit union
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/BusinessCd1522130
IRS990/OtherRevenueMiscGrp/Desc0member fees
IRS990/OtherRevenueMiscGrp/Desc1misc operating income
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt087667
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1121985
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt087667
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1121985
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueTotalAmt0210652
IRS990/OtherSalariesAndWagesGrp/TotalAmt0440531
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt09756273
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt09512865
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt036515
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt021540
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0109204
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt080566
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0West Coast Federal Employees Credit Union
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0199591
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0543294
IRS990/PYOtherRevenueAmt0218063
IRS990/PYProgramServiceRevenueAmt0693013
IRS990/PYRevenuesLessExpensesAmt037590
IRS990/PYSalariesCompEmpBnftPaidAmt0529783
IRS990/PYTotalExpensesAmt01073077
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01110667
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt083812
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt024562
IRS990/ReconcilationRevenueExpnssAmt0-51575
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt01082021
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03967099
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03823311
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02495935
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01901801
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0667066
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0667066
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt031302
IRS990ScheduleD/EquipmentGrp/DepreciationAmt00
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt031302
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt028882
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt028882
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt027036272
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Share Accounts
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt08060000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt11991000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2294803
IRS990ScheduleD/OtherSecuritiesGrp/Desc0deposits in banks/S&L
IRS990ScheduleD/OtherSecuritiesGrp/Desc1deposits in other Credit Unions
IRS990ScheduleD/OtherSecuritiesGrp/Desc2membership in capital at corporate cu
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0727250
IRS990ScheduleD/TotalBookValueSecuritiesAmt010345803
IRS990ScheduleD/TotalLiabilityAmt027036272
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt023
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1300
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt24955
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt39954
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt43289
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt56041
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0visa
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1visa
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2vehicle
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3visa
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4visa
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5visa
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt01000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt15000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt220000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt310000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt410000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt57500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0D Hipshire
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1B Gomez
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2G Faber
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3K Smith
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4P McCanna

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