Civic Intelligence

Community First Credit Union

990 • Fiscal year 2014 • EIN 94-1541515

Jan 01, 2014 to Dec 31, 2014 • Filed on Apr 23, 2014

526 South State StreetUkiah, CA 95482

(707) 467-4807

Siviq Scores

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

Liabilities / Assets

3rd percentile

0.01x

Higher debt load relative to assets than 3% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

3rd percentile

0.26x

Higher debt load relative to revenue than 3% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

43rd percentile

9.9%

Higher net margin than 43% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

26th percentile

$150,846

Higher top officer pay than 26% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

82nd percentile

8.0%

Faster asset growth than 82% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

97th percentile

20%

Faster revenue growth than 97% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Assets

Up

$187,951,494

Up $13,914,999 (+8.0%) from 2013

Net Assets

Up

$185,542,967

Up $12,927,225 (+7.5%) from 2013

Liabilities

Up

$2,408,527

Up $987,774 (+70%) from 2013

Revenue

Up

$9,103,813

Up $1,545,869 (+20%) from 2013

Expenses

Up

$8,200,298

Up $826,841 (+11%) from 2013

Net Income

Up

$903,515

Up $719,028 (+390%) from 2013

Historical Trend

Balance Sheet Trend

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

$1.0B$500M$0Assets 2010: $97,926,767Liabilities 2010: $737,698Net Assets 2010: $97,189,0692010Assets 2011: $117,093,762Liabilities 2011: $1,297,586Net Assets 2011: $115,796,1762011Assets 2012: $126,774,906Liabilities 2012: $1,337,261Net Assets 2012: $125,437,6452012Assets 2013: $174,036,495Liabilities 2013: $1,420,753Net Assets 2013: $172,615,7422013Assets 2014: $187,951,494Liabilities 2014: $2,408,527Net Assets 2014: $185,542,9672014Assets 2015: $216,155,472Liabilities 2015: $1,919,595Net Assets 2015: $214,235,8772015Assets 2016: $230,465,074Liabilities 2016: $2,574,700Net Assets 2016: $227,890,3742016Assets 2017: $474,209,867Liabilities 2017: $5,335,864Net Assets 2017: $468,874,0032017Assets 2019: $546,009,212Liabilities 2019: $5,417,577Net Assets 2019: $540,591,6352019Assets 2020: $650,851,812Liabilities 2020: $5,499,563Net Assets 2020: $645,352,2492020Assets 2021: $761,258,257Liabilities 2021: $5,403,710Net Assets 2021: $755,854,5472021Assets 2022: $823,669,192Liabilities 2022: $9,951,897Net Assets 2022: $813,717,2952022Assets 2023: $816,808,644Liabilities 2023: $742,727,654Net Assets 2023: $74,080,9902023Assets 2024: $805,920,075Liabilities 2024: $727,846,875Net Assets 2024: $78,073,2002024

Highlighted filing

2014

Assets$187,951,494
Liabilities$2,408,527
Net Assets$185,542,967

Operations Trend

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

$60M$40M$20M$0Expenses 2010: $5,720,1602010Expenses 2011: $6,039,8502011Revenue 2012: $6,887,327Expenses 2012: $6,886,787Net Income 2012: $5402012Revenue 2013: $7,557,944Expenses 2013: $7,373,457Net Income 2013: $184,4872013Revenue 2014: $9,103,813Expenses 2014: $8,200,298Net Income 2014: $903,5152014Revenue 2015: $10,236,096Expenses 2015: $9,031,947Net Income 2015: $1,204,1492015Revenue 2016: $11,806,131Expenses 2016: $9,954,502Net Income 2016: $1,851,6292016Revenue 2017: $18,123,737Expenses 2017: $15,860,818Net Income 2017: $2,262,9192017Revenue 2019: $29,807,777Expenses 2019: $24,606,472Net Income 2019: $5,201,3052019Revenue 2020: $31,829,604Expenses 2020: $26,049,069Net Income 2020: $5,780,5352020Revenue 2021: $33,075,635Expenses 2021: $25,585,694Net Income 2021: $7,489,9412021Revenue 2022: $36,766,136Expenses 2022: $28,206,770Net Income 2022: $8,559,3662022Revenue 2023: $43,498,880Expenses 2023: $40,241,977Net Income 2023: $3,256,9032023Revenue 2024: $47,791,718Expenses 2024: $44,667,904Net Income 2024: $3,123,8142024

Highlighted filing

2014

Revenue$9,103,813
Expenses$8,200,298
Net Income$903,515
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 23, 2014
Return Version
2014v5.0
Gross Receipts
$9,103,813
Mission and Program Overview

Mission

To provide consumer financial services to the communities of Napa, Sonoma, Marin, Lake and Mendocino counties.

To provide financial services to encourage thrift savings and the wise use of credit to increase the knowledge and ability of our members to manage and control our financial well being.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$157,729,407$169,748,070▲ $12,018,663
Other Notes and Loans Receivable, Net$98,546,273$109,613,420▲ $11,067,147
Investments in Publicly Traded Securities$60,406,722$65,766,712▲ $5,359,990
Rtn Earn Endowment Incm Other Fnds$14,886,335$15,794,897▲ $908,562
Savings and Temporary Cash Investments$7,462,342$4,740,257▼ $2,722,085
Land, Buildings, and Equipment, Net$3,249,395$3,138,843▼ $110,552
Cash and Non-Interest-Bearing Accounts$2,553,994$2,856,949▲ $302,955
Accounts Receivable$998,673$480,875▼ $517,798
Prepaid Expenses and Deferred Charges$154,258$265,177▲ $110,919
Total Assets$174,036,495$187,951,494▲ $13,914,999
Other Assets Total$664,838$1,089,261▲ $424,423
Liabilities
Accounts Payable and Accrued Expenses$1,420,753$2,408,527▲ $987,774
Other Liabilities$0$0→ $0
Total Liabilities$1,420,753$2,408,527▲ $987,774
Net Assets / Fund Balance
Total Net Assets Fund Balance$172,615,742$185,542,967▲ $12,927,225
Total Liabilities and Net Assets / Fund Balance$174,036,495$187,951,494▲ $13,914,999

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,014,881$826,720$2,841,601
Equipment$409,871$2,409,577$2,819,448
Leasehold Improvements$387,382$339,524$726,906
Land$326,709-$326,709
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Richard CooperPresidentceoFT$150,846$150,846
Richard Cooper Presidentceo--$150,846$150,846
John PetersonChief Operating OfficerFT$101,324$101,324
David RhoadesChief Financial OfficerFT$99,918$99,918

Board Members and Trustees

NameTitle
Robert ScottChairman of the Board
Larry MyersVice Chairman of the Board
Cameron ReevesDirector
Dale SimpsonDirector
John BurkeDirector
Karen ChristophersonDirector
Madelyn HoltkampDirector
Monte HillDirector
Arlene ColombiniSecretary of the Board
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,343,912
Investment Income
$759,901
Other Revenue
$0
Change in Net Assets
$903,515

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,103,813
Total Revenue per Audited Statements
$9,103,813
Total Revenue per Form 990
$9,103,813
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,560,261
Salaries, Compensation, and Employee Benefits$3,640,037
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$2,515,310--$2,515,310
Office Expenses$1,336,044--$1,336,044
Other Expenses$767,292--$767,292
Information Technology$438,281--$438,281
Other Employee Benefits$427,003--$427,003
Occupancy$423,538--$423,538
Depreciation Depletion$373,594--$373,594
Current Officers, Directors, Trustees, and Key Employees$352,088--$352,088
Payroll Taxes$232,924--$232,924
Advertising$217,345--$217,345
All Other Expenses$173,560--$173,560
Insurance$147,429--$147,429
Interest$145,736--$145,736
Pension Plan Contributions$112,712--$112,712
Fees for Services Management$42,973--$42,973
Travel$38,171--$38,171
Fees for Services Accounting$36,255--$36,255
Conferences and Meetings$25,116--$25,116
Fees for Services Legal$12,106--$12,106
Total Functional Expenses$8,200,298$0$0$8,200,298

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$8,200,298
Total Expenses per Audited Statements$8,200,298
Total Expenses per Form 990$8,200,298
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI

Line 6. The depositors of the credit union are members all members have the right to elect the governing body. Line 7a. Same as above line 7b. Merge decisions would require approval of the membership. 11b. No review was or will be conducted. 19. Financial statements are posted in the main office lobby governing documents and form 990 are made available upon request.

Filing and Contact Details

Filer

Filer Name
Mendo Lake Credit Union
EIN
94-1541515
Address
526 SOUTH STATE STREET, UKIAH, CA 95482

Signing Officer

Name
David Rhoades
Title
Chief Financial Officer
Phone
7074674807
Signed
2014-04-23

Organization Details

Principal Officer
David Rhoades
Formed
1959
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
74
Volunteers
14
Supplemental Narrative

Additional Explanations

Part XI Reconciliation of Net Assets

Line 5. Other changes in net assets or fund balances include deposits and withdrawals of member shares.

Financial Statement Notes

Part X Line2

For the year ended march 31 2014 management has determined that there are no material uncertain tax positions.

Raw XML Appendix377 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/TitleTxt0CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
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IRS990/OthNotesLoansReceivableNetGrp/BOYAmt098546273
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0109613420
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt0232924
IRS990/PayrollTaxesGrp/TotalAmt0232924
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0112712
IRS990/PensionPlanContributionsGrp/TotalAmt0112712
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0154258
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0265177
IRS990/PrincipalOfficerNm0DAVID RHOADES
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06252936
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12090976
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06252936
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12090976
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYTotalRevenueAmt00
IRS990/ReconcilationRevenueExpnssAmt0903515
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt09103813
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt014886335
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt015794897
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07462342
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04740257
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt02014881
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0826720
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02841601
IRS990ScheduleD/EquipmentGrp/BookValueAmt0409871
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02409577
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02819448
IRS990ScheduleD/ExpensesSubtotalAmt08200298
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0326709
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0326709
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0387382
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0339524
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0726906
IRS990ScheduleD/RevenueSubtotalAmt09103813
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0FOR THE YEAR ENDED MARCH 31 2014 MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X LINE2
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03138843
IRS990ScheduleD/TotalExpensesPerForm990Amt08200298
IRS990ScheduleD/TotalRevenuePerForm990Amt09103813
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt09103813
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt08200298
IRS990ScheduleJ/AnyNonFixedPaymentsInd0false
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd0false
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd0false
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/InitialContractExceptionInd0false
IRS990ScheduleJ/RebuttablePresumptionProcInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0150846
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0RICHARD COOPER PRESIDENTCEO
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SubstantiationRequiredInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0LINE 6. THE DEPOSITORS OF THE CREDIT UNION ARE MEMBERS ALL MEMBERS HAVE THE RIGHT TO ELECT THE GOVERNING BODY. LINE 7A. SAME AS ABOVE LINE 7B. MERGE DECISIONS WOULD REQUIRE APPROVAL OF THE MEMBERSHIP. 11B. NO REVIEW WAS OR WILL BE CONDUCTED. 19. FINANCIAL STATEMENTS ARE POSTED IN THE MAIN OFFICE LOBBY GOVERNING DOCUMENTS AND FORM 990 ARE MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1LINE 5. OTHER CHANGES IN NET ASSETS OR FUND BALANCES INCLUDE DEPOSITS AND WITHDRAWALS OF MEMBER SHARES.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0PART VI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI RECONCILIATION OF NET ASSETS
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0174036495
IRS990/TotalAssetsEOYAmt0187951494
IRS990/TotalAssetsGrp/BOYAmt0174036495
IRS990/TotalAssetsGrp/EOYAmt0187951494
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt074
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt08200298
IRS990/TotalFunctionalExpensesGrp/TotalAmt08200298
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01420753
IRS990/TotalLiabilitiesEOYAmt02408527
IRS990/TotalLiabilitiesGrp/BOYAmt01420753
IRS990/TotalLiabilitiesGrp/EOYAmt02408527
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0172615742
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0185542967
IRS990/TotalProgramServiceExpensesAmt08200298
IRS990/TotalProgramServiceRevenueAmt08343912
IRS990/TotalReportableCompFromOrgAmt0352088
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt09103813
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt09103813
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0174036495
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0187951494
IRS990/TravelGrp/ProgramServicesAmt038171
IRS990/TravelGrp/TotalAmt038171
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.MLCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/PersonNm0DAVID RHOADES
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHIEF FINANCIAL OFFICER
ReturnHeader/BusinessOfficerGrp/PhoneNum07074674807
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MENDO LAKE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MEND
ReturnHeader/Filer/EIN0941541515
ReturnHeader/Filer/USAddress/AddressLine1Txt0526 SOUTH STATE STREET
ReturnHeader/Filer/USAddress/CityNm0UKIAH
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd095482
ReturnHeader/ReturnTs02015-04-24T10:16:00-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$806$728$78.1$47.8$44.7$3.12
2023Detailed filing. Detailed filing data is available for this year.$817$743$74.1$43.5$40.2$3.26
2022Detailed filing. Detailed filing data is available for this year.$824$9.95$814$36.8$28.2$8.56
2021Detailed filing. Detailed filing data is available for this year.$761$5.40$756$33.1$25.6$7.49
2020Detailed filing. Detailed filing data is available for this year.$651$5.50$645$31.8$26.0$5.78
2019Detailed filing. Detailed filing data is available for this year.$546$5.42$541$29.8$24.6$5.20
2017Detailed filing. Detailed filing data is available for this year.$474$5.34$469$18.1$15.9$2.26
2016Detailed filing. Detailed filing data is available for this year.$230$2.57$228$11.8$9.95$1.85
2015Detailed filing. Detailed filing data is available for this year.$216$1.92$214$10.2$9.03$1.20
2014Detailed filing. Detailed filing data is available for this year.$188$2.41$186$9.10$8.20$0.90
2013Detailed filing. Detailed filing data is available for this year.$174$1.42$173$7.56$7.37$0.18
2012Summary only. Only limited summary data is available for this year.$127$1.34$125$6.89$6.89$0.00
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$117$1.30$116$6.04
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$97.9$0.74$97.2$5.72
Peer Organizations

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