Civic Intelligence

Texas Dps Credit Union

990 • Fiscal year 2018 • EIN 74-1249840

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 07, 2019

Organization Profilewww.txdpscu.org

View Organization Page

PO Box 15346Austin, TX 78761

(512) 452-5211

Siviq Scores

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

Liabilities / Assets

88th percentile

0.92x

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

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Liabilities / Revenue

84th percentile

21.88x

Higher debt load relative to revenue than 84% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Net Margin

79th percentile

19%

Higher net margin than 79% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Top Officer Pay

37th percentile

$130,884

Higher top officer pay than 37% of similar nonprofits.

Top officer pay equals 4.1% of source-year revenue.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Asset Growth

48th percentile

1.5%

Faster asset growth than 48% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2017 to 2018

Revenue Growth

91st percentile

18%

Faster revenue growth than 91% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets88th percentile

Assets

Up

$75,818,692

Up $1,086,047 (+1.5%) from 2017

Net Assets

Up

$6,436,917

Up $614,994 (+11%) from 2017

Liabilities

Up

$69,381,775

Up $471,053 (+0.7%) from 2017

Revenue And Expenses
Liabilities / Revenue84th percentileNet Margin79th percentile

Revenue

Up

$3,171,219

Up $482,103 (+18%) from 2017

Expenses

Up

$2,554,437

Up $20,632 (+0.8%) from 2017

Net Income

Up

$616,782

Up $461,471 (+297%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth48th percentile

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

$150M$100M$50M$0Assets 2010: $54,470,913Liabilities 2010: $48,917,148Net Assets 2010: $5,553,7652010Assets 2011: $58,930,897Liabilities 2011: $53,221,195Net Assets 2011: $5,709,7022011Assets 2012: $63,449,769Liabilities 2012: $57,739,547Net Assets 2012: $5,710,2222012Assets 2013: $62,612,457Liabilities 2013: $57,068,869Net Assets 2013: $5,543,5882013Assets 2014: $64,141,449Liabilities 2014: $58,546,367Net Assets 2014: $5,595,0822014Assets 2015: $67,603,532Liabilities 2015: $62,038,606Net Assets 2015: $5,564,9262015Assets 2016: $70,924,069Liabilities 2016: $65,261,167Net Assets 2016: $5,662,9022016Assets 2017: $74,732,645Liabilities 2017: $68,910,722Net Assets 2017: $5,821,9232017Assets 2018: $75,818,692Liabilities 2018: $69,381,775Net Assets 2018: $6,436,9172018Assets 2019: $80,127,933Liabilities 2019: $73,071,075Net Assets 2019: $7,056,8582019Assets 2020: $87,761,626Liabilities 2020: $79,942,911Net Assets 2020: $7,818,7152020Assets 2021: $99,557,178Liabilities 2021: $90,828,978Net Assets 2021: $8,728,2002021Assets 2022: $105,857,045Liabilities 2022: $96,717,786Net Assets 2022: $9,139,2592022Assets 2023: $96,889,869Liabilities 2023: $87,093,774Net Assets 2023: $9,796,0952023Assets 2024: $98,168,607Liabilities 2024: $87,192,863Net Assets 2024: $10,975,7442024

Highlighted filing

2018

Assets$75,818,692
Liabilities$69,381,775
Net Assets$6,436,917
Open 2018 Filing

Operations Trend

Revenue Growth91st percentile

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

$6.0M$4.0M$2.0M$0Expenses 2010: $3,219,6912010Revenue 2011: $2,795,012Expenses 2011: $2,773,657Net Income 2011: $21,3552011Expenses 2012: $2,615,5102012Revenue 2013: $2,444,976Expenses 2013: $2,424,891Net Income 2013: $20,0852013Revenue 2014: $2,427,497Expenses 2014: $2,417,004Net Income 2014: $10,4932014Revenue 2015: $2,387,466Expenses 2015: $2,376,471Net Income 2015: $10,9952015Revenue 2016: $2,416,266Expenses 2016: $2,344,208Net Income 2016: $72,0582016Revenue 2017: $2,689,116Expenses 2017: $2,533,805Net Income 2017: $155,3112017Revenue 2018: $3,171,219Expenses 2018: $2,554,437Net Income 2018: $616,7822018Revenue 2019: $3,554,941Expenses 2019: $2,938,705Net Income 2019: $616,2362019Revenue 2020: $3,717,155Expenses 2020: $2,956,631Net Income 2020: $760,5242020Revenue 2021: $3,828,874Expenses 2021: $2,919,067Net Income 2021: $909,8072021Revenue 2022: $4,064,571Expenses 2022: $3,274,813Net Income 2022: $789,7582022Revenue 2023: $4,420,117Expenses 2023: $3,737,418Net Income 2023: $682,6992023Revenue 2024: $4,885,921Expenses 2024: $4,151,309Net Income 2024: $734,6122024

Highlighted filing

2018

Revenue$3,171,219
Expenses$2,554,437
Net Income$616,782
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 7, 2019
Return Version
2018v3.1
Gross Receipts
$3,171,219
Mission and Program Overview

Mission

A voluntary, cooperative, not-for-profit financial institution (credit union) that is membership owned to offer the best quality financial products and services at the lowest possible cost to its membership.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$43,772,763$46,161,246▲ $2,388,483
Investments Other Securities$19,859,239$19,053,920▼ $805,319
Rtn Earn Endowment Incm Other Fnds$5,821,923$6,436,917▲ $614,994
Savings and Temporary Cash Investments$6,687,514$5,512,033▼ $1,175,481
Accounts Receivable$2,005,182$2,206,992▲ $201,810
Land, Buildings, and Equipment, Net$509,976$992,789▲ $482,813
Cash and Non-Interest-Bearing Accounts$912,209$935,905▲ $23,696
Prepaid Expenses and Deferred Charges$157,620$82,659▼ $74,961
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$74,732,645$75,818,692▲ $1,086,047
Other Assets Total$828,142$873,148▲ $45,006
Liabilities
Other Liabilities$68,432,700$68,949,678▲ $516,978
Accounts Payable and Accrued Expenses$478,022$432,097▼ $45,925
Total Liabilities$68,910,722$69,381,775▲ $471,053
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,821,923$6,436,917▲ $614,994
Total Liabilities and Net Assets / Fund Balance$74,732,645$75,818,692▲ $1,086,047

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$676,095$934,877$1,610,972
Other Land Buildings$108,014$765,762$873,776
Land$208,680-$208,680
Compensation and Service Providers
Top Officer Pay37th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cassy SassPresidentFT$115,087$15,797$130,884

Board Members and Trustees

NameTitle
Mary LauderdaleChair
Donna SaulsVice Chair
David OutonDirector
Joe MorrisDirector
Wynonie BellDirector
Paul JordanSecretary
Michael BlackTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,756,298
Investment Income
$414,921
Other Revenue
$0
Change in Net Assets
$616,782
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,456,672
Salaries, Compensation, and Employee Benefits$1,097,765
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$744,185
Office Expenses---$185,200
All Other Expenses---$155,000
Other Employee Benefits---$143,122
Occupancy---$125,900
Other Expenses---$125,893
Current Officers, Directors, Trustees, and Key Employees---$115,087
Interest---$96,963
Depreciation Depletion---$69,193
Payroll Taxes---$67,839
Advertising---$39,137
Pension Plan Contributions---$27,532
Fees for Services Accounting---$24,000
Insurance---$7,641
Fees for Services Legal---$4,527
Total Functional Expenses$0$0$0$2,554,437
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members' share and savings accounts$68,949,678
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Each credit union member owns one "share" of the organization. Therefore, the user of credit union services is considered an owner and is entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“The board reviews the 990 and documents their review in the board minutes.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“The process for determining compensation for the Texas DPS Credit Union includes collection of comparable data (comparable positions of comparable organizations obtained from published salary survey reports) that is reviewed and discussed by the board of directors. Once made, the board's decision is documented and no individual with a conflict of interest is involved in the decision.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Upon written request, these documents will be made available for public inspection.”

Filing and Contact Details

Filer

Filer Name
Texas DPS Credit Union
EIN
74-1249840
Phone
5124525211
Address
PO Box 15346, Austin, TX 78761

Signing Officer

Name
Cassy Sass
Title
President
Signed
2019-11-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cassy Sass
Formed
1954
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
34

Preparer

Firm
Dunagan Jack LLP
Address
3724 Jefferson Street Suite 307, Austin, TX 78731
Preparer
Bob Dunagan
Phone
5124208997
Raw XML Appendix379 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/PrepaidExpensesDefrdChargesGrp/BOYAmt0157620
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt082659
IRS990/PrincipalOfficerNm0Cassy Sass
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Fee income
IRS990/ProgramServiceRevenueGrp/Desc1Interest on loans
IRS990/ProgramServiceRevenueGrp/Desc2Other program service inc
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0319714
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12035187
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2401397
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0319714
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12035187
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2401397
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0318681
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01437244
IRS990/PYProgramServiceRevenueAmt02370435
IRS990/PYRevenuesLessExpensesAmt0155311
IRS990/PYSalariesCompEmpBnftPaidAmt01096561
IRS990/PYTotalExpensesAmt02533805
IRS990/PYTotalRevenueAmt02689116
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0616782
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05821923
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06436917
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06687514
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05512033
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0676095
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0934877
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01610972
IRS990ScheduleD/LandGrp/BookValueAmt0208680
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0208680
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0108014
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0765762
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0873776
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt068949678
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Members' share and savings accounts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0992789
IRS990ScheduleD/TotalBookValueSecuritiesAmt019053920
IRS990ScheduleD/TotalLiabilityAmt068949678
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Each credit union member owns one "share" of the organization. Therefore, the user of credit union services is considered an owner and is entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The board reviews the 990 and documents their review in the board minutes.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The process for determining compensation for the Texas DPS Credit Union includes collection of comparable data (comparable positions of comparable organizations obtained from published salary survey reports) that is reviewed and discussed by the board of directors. Once made, the board's decision is documented and no individual with a conflict of interest is involved in the decision.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Upon written request, these documents will be made available for public inspection.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt074732645
IRS990/TotalAssetsEOYAmt075818692
IRS990/TotalAssetsGrp/BOYAmt074732645
IRS990/TotalAssetsGrp/EOYAmt075818692
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt034
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02554437
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt068910722
IRS990/TotalLiabilitiesEOYAmt069381775
IRS990/TotalLiabilitiesGrp/BOYAmt068910722
IRS990/TotalLiabilitiesGrp/EOYAmt069381775
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05821923
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06436917
IRS990/TotalOtherCompensationAmt015797
IRS990/TotalProgramServiceRevenueAmt02756298
IRS990/TotalReportableCompFromOrgAmt0115087
IRS990/TotalRevenueGrp/ExclusionAmt0414921
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02756298
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03171219
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt074732645
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt075818692
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO Box 15346
IRS990/USAddress/CityNm0Austin
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd078761
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.txdpscu.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02020-03-31 21:24:44Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Cassy Sass
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-11-07
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Texas DPS Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0TEXA
ReturnHeader/Filer/EIN0741249840
ReturnHeader/Filer/PhoneNum05124525211
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 15346
ReturnHeader/Filer/USAddress/CityNm0Austin
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd078761
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0742981758
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Dunagan Jack LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03724 Jefferson Street Suite 307
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Austin
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd078731
ReturnHeader/PreparerPersonGrp/PhoneNum05124208997
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Bob Dunagan
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02019-11-07T11:37:40-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$75,818,692
Liabilities
$69,381,775
Net assets
$6,436,917
Revenue
$3,171,219
Expenses
$2,554,437
Net income
$616,782
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$98.2$87.2$11.0$4.89$4.15$0.73
2023Detailed filing. Detailed filing data is available for this year.$96.9$87.1$9.80$4.42$3.74$0.68
2022Detailed filing. Detailed filing data is available for this year.$106$96.7$9.14$4.06$3.27$0.79
2021Detailed filing. Detailed filing data is available for this year.$99.6$90.8$8.73$3.83$2.92$0.91
2020Detailed filing. Detailed filing data is available for this year.$87.8$79.9$7.82$3.72$2.96$0.76
2019Detailed filing. Detailed filing data is available for this year.$80.1$73.1$7.06$3.55$2.94$0.62
2018Detailed filing. Detailed filing data is available for this year.$75.8$69.4$6.44$3.17$2.55$0.62
2017Detailed filing. Detailed filing data is available for this year.$74.7$68.9$5.82$2.69$2.53$0.16
2016Detailed filing. Detailed filing data is available for this year.$70.9$65.3$5.66$2.42$2.34$0.07
2015Detailed filing. Detailed filing data is available for this year.$67.6$62.0$5.56$2.39$2.38$0.01
2014Detailed filing. Detailed filing data is available for this year.$64.1$58.5$5.60$2.43$2.42$0.01
2013Detailed filing. Detailed filing data is available for this year.$62.6$57.1$5.54$2.44$2.42$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$63.4$57.7$5.71$2.62
2011Summary only. Only limited summary data is available for this year.$58.9$53.2$5.71$2.80$2.77$0.02
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$54.5$48.9$5.55$3.22
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