Civic Intelligence

Valley Health and Postal Employees Credit Union

990 • Fiscal year 2014 • EIN 93-6027729

Jan 01, 2014 to Dec 31, 2014 • Filed on May 22, 2015

Organization ProfileN/A

View Organization Page

2096 Mission Street SESalem, OR 97302

(503) 364-7999

Siviq Scores

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

Liabilities / Assets

58th percentile

0.90x

Higher debt load relative to assets than 58% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Liabilities / Revenue

38th percentile

17.26x

Higher debt load relative to revenue than 38% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Net Margin

72nd percentile

16%

Higher net margin than 72% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Top Officer Pay

80th percentile

$171,781

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 5.2% of source-year revenue.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Asset Growth

63rd percentile

3.9%

Faster asset growth than 63% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Revenue Growth

28th percentile

-3.2%

Faster revenue growth than 28% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets58th percentile

Assets

Up

$63,220,850

Up $2,364,334 (+3.9%) from 2013

Net Assets

Up

$6,556,500

Up $519,511 (+8.6%) from 2013

Liabilities

Up

$56,664,350

Up $1,844,823 (+3.4%) from 2013

Revenue And Expenses
Liabilities / Revenue38th percentileNet Margin72nd percentile

Revenue

Down

$3,283,470

Down $107,941 (-3.2%) from 2013

Expenses

Down

$2,763,959

Down $44,349 (-1.6%) from 2013

Net Income

Down

$519,511

Down $63,592 (-11%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth63rd percentile

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

$150M$100M$50M$0Assets 2011: $58,224,479Liabilities 2011: $53,126,400Net Assets 2011: $5,098,0792011Assets 2012: $58,127,086Liabilities 2012: $52,673,199Net Assets 2012: $5,453,8872012Assets 2013: $60,856,516Liabilities 2013: $54,819,527Net Assets 2013: $6,036,9892013Assets 2014: $63,220,850Liabilities 2014: $56,664,350Net Assets 2014: $6,556,5002014Assets 2015: $67,915,411Liabilities 2015: $61,047,244Net Assets 2015: $6,868,1672015Assets 2016: $71,351,703Liabilities 2016: $63,477,406Net Assets 2016: $7,874,2972016Assets 2017: $75,157,663Liabilities 2017: $66,402,414Net Assets 2017: $8,755,2492017Assets 2018: $74,158,970Liabilities 2018: $64,475,240Net Assets 2018: $9,683,7302018Assets 2019: $76,588,714Liabilities 2019: $65,923,196Net Assets 2019: $10,665,5182019Assets 2020: $87,405,523Liabilities 2020: $75,862,080Net Assets 2020: $11,543,4432020Assets 2021: $95,936,553Liabilities 2021: $83,532,788Net Assets 2021: $12,403,7652021Assets 2022: $101,149,265Liabilities 2022: $89,415,082Net Assets 2022: $11,734,1832022Assets 2023: $109,481,799Liabilities 2023: $96,778,291Net Assets 2023: $12,703,5082023Assets 2024: $116,196,216Liabilities 2024: $103,128,798Net Assets 2024: $13,067,4182024

Highlighted filing

2014

Assets$63,220,850
Liabilities$56,664,350
Net Assets$6,556,500
Open 2014 Filing

Operations Trend

Revenue Growth28th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2011: $3,168,7652011Expenses 2012: $2,918,0772012Revenue 2013: $3,391,411Expenses 2013: $2,808,308Net Income 2013: $583,1032013Revenue 2014: $3,283,470Expenses 2014: $2,763,959Net Income 2014: $519,5112014Revenue 2015: $3,296,064Expenses 2015: $2,984,397Net Income 2015: $311,6672015Revenue 2016: $3,262,160Expenses 2016: $2,256,030Net Income 2016: $1,006,1302016Revenue 2017: $3,369,737Expenses 2017: $2,488,785Net Income 2017: $880,9522017Revenue 2018: $3,935,710Expenses 2018: $3,007,230Net Income 2018: $928,4802018Revenue 2019: $4,220,190Expenses 2019: $3,238,402Net Income 2019: $981,7882019Revenue 2020: $4,347,107Expenses 2020: $3,433,701Net Income 2020: $913,4062020Revenue 2021: $4,536,004Expenses 2021: $3,629,655Net Income 2021: $906,3492021Revenue 2022: $4,901,740Expenses 2022: $4,146,414Net Income 2022: $755,3262022Revenue 2023: $6,561,737Expenses 2023: $5,754,296Net Income 2023: $807,4412023Revenue 2024: $7,571,095Expenses 2024: $7,341,381Net Income 2024: $229,7142024

Highlighted filing

2014

Revenue$3,283,470
Expenses$2,763,959
Net Income$519,511
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 22, 2015
Return Version
2014v5.0
Gross Receipts
$3,283,470
Mission and Program Overview

Mission

Our mission is to provide member thrift and savings while providing low cost loans to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$39,444,474$41,746,001▲ $2,301,527
Savings and Temporary Cash Investments$18,013,786$17,958,794▼ $54,992
Rtn Earn Endowment Incm Other Fnds$6,036,989$6,556,500▲ $519,511
Land, Buildings, and Equipment, Net$2,257,204$2,191,326▼ $65,878
Cash and Non-Interest-Bearing Accounts$812,268$931,502▲ $119,234
Prepaid Expenses and Deferred Charges$167,660$208,337▲ $40,677
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$60,856,516$63,220,850▲ $2,364,334
Other Assets Total$161,124$184,890▲ $23,766
Liabilities
Accounts Payable and Accrued Expenses$54,819,527$56,664,350▲ $1,844,823
Total Liabilities$54,819,527$56,664,350▲ $1,844,823
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,036,989$6,556,500▲ $519,511
Total Liabilities and Net Assets / Fund Balance$60,856,516$63,220,850▲ $2,364,334

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,371,951$597,756$1,969,707
Land$642,241-$642,241
Other Land Buildings$173,091$137,091$310,182
Equipment$4,043$120,054$124,097
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Katie ClarkSecretaryFT$39,601$14,369$53,970
Jean Wheat-palmCEOFT$149,431$22,350$22,350

Board Members and Trustees

NameTitle
Patrick VanceChairman
Steve GiesbersChairman
Kathleen NollVice Chairman
Adam TallingerDirector
Dean ZellerDirector
Denny NielsenDirector
Rob KanskyDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,160,681
Investment Income
$122,789
Other Revenue
$0
Change in Net Assets
$519,511

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,283,470
Total Revenue per Audited Statements
$3,283,470
Total Revenue per Form 990
$3,283,470
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,543,012
Salaries, Compensation, and Employee Benefits$1,220,947
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$619,610
Interest---$264,456
Other Employee Benefits---$256,100
Current Officers, Directors, Trustees, and Key Employees---$226,021
Information Technology---$170,083
Advertising---$156,000
Depreciation Depletion---$105,923
Payroll Taxes---$90,193
Occupancy---$68,356
Fees for Services Other---$61,853
Office Expenses---$48,406
Pension Plan Contributions---$29,023
Conferences and Meetings---$28,057
Insurance---$27,027
Other Expenses---$25,463
Fees for Services Accounting---$15,000
Fees for Services Legal---$11,026
All Other Expenses---$7,091
Total Functional Expenses$0$0$0$2,763,959

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,763,959
Total Expenses per Audited Statements$2,763,959
Total Expenses per Form 990$2,763,959
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
Lobbying 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-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
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
No
Other officer compensation reviewed
No
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

“The oranization has members. They become members when they join the credit union”

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

“No review was or will be conducted.”

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

“The financial statements are posted in summary form in the lobby of the credit union. All documents including policies are avalible upon request during business hours.”

Filing and Contact Details

Filer

Filer Name
Valley Credit Union
EIN
93-6027729
Phone
5033647999
Address
2096 MISSION STREET SE, SALEM, OR 97302

Signing Officer

Name
Jean Wheat-palm
Title
CEO
Signed
2015-05-22
Discuss with paid preparer
Yes

Organization Details

Formed
1957
Legal Domicile
Or
Voting Board Members
9
Independent Board Members
0
Employees
26
Volunteers
7

Preparer

Firm
R Keith Bebb CPA
Address
14780 SW OSPREY STE 370, BEAVERTON, OR 97007
Preparer
R Keith Bebb
Phone
5036424129
Raw XML Appendix382 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/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt090193
IRS990/PensionPlanContributionsGrp/TotalAmt029023
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0167660
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0208337
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03160681
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03160681
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0144218
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01727177
IRS990/PYProgramServiceRevenueAmt03247193
IRS990/PYRevenuesLessExpensesAmt0583103
IRS990/PYSalariesCompEmpBnftPaidAmt01081131
IRS990/PYTotalExpensesAmt02808308
IRS990/PYTotalRevenueAmt03391411
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0519511
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06036989
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06556500
IRS990/SavingsAndTempCashInvstGrp/BOYAmt018013786
IRS990/SavingsAndTempCashInvstGrp/EOYAmt017958794
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01371951
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0597756
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01969707
IRS990ScheduleD/EquipmentGrp/BookValueAmt04043
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0120054
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0124097
IRS990ScheduleD/ExpensesSubtotalAmt02763959
IRS990ScheduleD/LandGrp/BookValueAmt0642241
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0642241
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0173091
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0137091
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0310182
IRS990ScheduleD/RevenueSubtotalAmt03283470
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02191326
IRS990ScheduleD/TotalExpensesPerForm990Amt02763959
IRS990ScheduleD/TotalRevenuePerForm990Amt03283470
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03283470
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02763959
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt022350
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JEAN WHEAT-PALM
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt022350
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORANIZATION HAS MEMBERS. THEY BECOME MEMBERS WHEN THEY JOIN THE CREDIT UNION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1No review was or will be conducted.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FINANCIAL STATEMENTS ARE POSTED IN SUMMARY FORM IN THE LOBBY OF THE CREDIT UNION. ALL DOCUMENTS INCLUDING POLICIES ARE AVALIBLE UPON REQUEST DURING BUSINESS HOURS.
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 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt060856516
IRS990/TotalAssetsEOYAmt063220850
IRS990/TotalAssetsGrp/BOYAmt060856516
IRS990/TotalAssetsGrp/EOYAmt063220850
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt026
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02763959
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt054819527
IRS990/TotalLiabilitiesEOYAmt056664350
IRS990/TotalLiabilitiesGrp/BOYAmt054819527
IRS990/TotalLiabilitiesGrp/EOYAmt056664350
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06036989
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06556500
IRS990/TotalOtherCompensationAmt036719
IRS990/TotalProgramServiceRevenueAmt03160681
IRS990/TotalReportableCompFromOrgAmt0189032
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03283470
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03283470
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt060856516
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt063220850
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JEAN WHEAT-PALM
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0VALLEY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0VALL
ReturnHeader/Filer/EIN0936027729
ReturnHeader/Filer/PhoneNum05033647999
ReturnHeader/Filer/USAddress/AddressLine1Txt02096 MISSION STREET SE
ReturnHeader/Filer/USAddress/CityNm0SALEM
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OR
ReturnHeader/Filer/USAddress/ZIPCd097302
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0R Keith Bebb CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt014780 SW OSPREY STE 370
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BEAVERTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd097007
ReturnHeader/PreparerPersonGrp/PhoneNum05036424129
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0R KEITH BEBB
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02015-05-22T09:50:03-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$63,220,850
Liabilities
$56,664,350
Net assets
$6,556,500
Revenue
$3,283,470
Expenses
$2,763,959
Net income
$519,511
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$116$103$13.1$7.57$7.34$0.23
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$109$96.8$12.7$6.56$5.75$0.81
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$101$89.4$11.7$4.90$4.15$0.76
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$95.9$83.5$12.4$4.54$3.63$0.91
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$87.4$75.9$11.5$4.35$3.43$0.91
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$76.6$65.9$10.7$4.22$3.24$0.98
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$74.2$64.5$9.68$3.94$3.01$0.93
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$75.2$66.4$8.76$3.37$2.49$0.88
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$71.4$63.5$7.87$3.26$2.26$1.01
2015Detailed filing. Detailed filing data is available for this year.$67.9$61.0$6.87$3.30$2.98$0.31
2014Detailed filing. Detailed filing data is available for this year.$63.2$56.7$6.56$3.28$2.76$0.52
2013Detailed filing. Detailed filing data is available for this year.$60.9$54.8$6.04$3.39$2.81$0.58
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.1$52.7$5.45$2.92
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.2$53.1$5.10$3.17