Civic Intelligence

Coasthills Credit Union

990 • Fiscal year 2018 • EIN 95-2015359

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 13, 2019

Organization ProfileWWW.COASTHILLS.COOP

View Organization Page

3880 Constellation RoadLompoc, CA 93436

(805) 733-7619

Siviq Scores

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

Liabilities / Assets

84th percentile

0.91x

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

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Liabilities / Revenue

42nd percentile

17.13x

Higher debt load relative to revenue than 42% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Net Margin

4th percentile

8.4%

Higher net margin than 4% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Top Officer Pay

2nd percentile

$376,938

Higher top officer pay than 2% of similar nonprofits.

Top officer pay equals 0.6% of source-year revenue.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Asset Growth

55th percentile

7.0%

Faster asset growth than 55% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Revenue Growth

22nd percentile

10%

Faster revenue growth than 22% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets84th percentile

Assets

Up

$1,158,529,417

Up $75,432,069 (+7.0%) from 2017

Net Assets

Up

$103,506,503

Up $5,228,051 (+5.3%) from 2017

Liabilities

Up

$1,055,022,914

Up $70,204,018 (+7.1%) from 2017

Revenue And Expenses
Liabilities / Revenue42nd percentileNet Margin4th percentile

Revenue

Up

$61,580,785

Up $5,714,665 (+10%) from 2017

Expenses

Up

$56,386,963

Up $8,760,072 (+18%) from 2017

Net Income

Down

$5,193,822

Down $3,045,407 (-37%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth55th percentile

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

$2.0B$1.5B$1.0B$500M$0Assets 2014: $789,538,843Liabilities 2014: $718,425,507Net Assets 2014: $71,113,3362014Assets 2015: $914,349,587Liabilities 2015: $833,890,927Net Assets 2015: $80,458,6602015Assets 2016: $1,005,294,341Liabilities 2016: $915,150,109Net Assets 2016: $90,144,2322016Assets 2017: $1,083,097,348Liabilities 2017: $984,818,896Net Assets 2017: $98,278,4522017Assets 2018: $1,158,529,417Liabilities 2018: $1,055,022,914Net Assets 2018: $103,506,5032018Assets 2019: $1,201,163,128Liabilities 2019: $1,090,006,490Net Assets 2019: $111,156,6382019Assets 2020: $1,370,734,730Liabilities 2020: $1,251,547,470Net Assets 2020: $119,187,2602020Assets 2021: $1,604,476,418Liabilities 2021: $1,477,601,475Net Assets 2021: $126,874,9432021Assets 2022: $1,828,708,068Liabilities 2022: $1,700,920,334Net Assets 2022: $127,787,7342022Assets 2023: $1,783,506,274Liabilities 2023: $1,652,452,034Net Assets 2023: $131,054,2402023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2018

Assets$1,158,529,417
Liabilities$1,055,022,914
Net Assets$103,506,503
Open 2018 Filing

Operations Trend

Revenue Growth22nd percentile

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

$100M$50M$0-$50MRevenue 2014: $21,248,209Expenses 2014: $16,926,053Net Income 2014: $4,322,1562014Revenue 2015: $48,774,369Expenses 2015: $39,516,416Net Income 2015: $9,257,9532015Revenue 2016: $51,590,908Expenses 2016: $42,003,936Net Income 2016: $9,586,9722016Revenue 2017: $55,866,120Expenses 2017: $47,626,891Net Income 2017: $8,239,2292017Revenue 2018: $61,580,785Expenses 2018: $56,386,963Net Income 2018: $5,193,8222018Revenue 2019: $66,242,157Expenses 2019: $58,699,349Net Income 2019: $7,542,8082019Revenue 2020: $65,719,111Expenses 2020: $58,703,237Net Income 2020: $7,015,8742020Revenue 2021: $68,814,131Expenses 2021: $59,373,912Net Income 2021: $9,440,2192021Revenue 2022: $76,854,403Expenses 2022: $70,014,183Net Income 2022: $6,840,2202022Revenue 2023: $95,869,457Expenses 2023: $91,804,133Net Income 2023: $4,065,3242023Revenue 2024: $4,821,474Expenses 2024: $5,045,642Net Income 2024: -$224,1682024

Highlighted filing

2018

Revenue$61,580,785
Expenses$56,386,963
Net Income$5,193,822
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 13, 2019
Return Version
2018v3.1
Gross Receipts
$61,583,560
Mission and Program Overview

Mission

We see each day as an opportunity to serve our communities and make a difference in our neighbors' lives. Yes, that means making affordable car loans and helping people save money, but it's more than that. You'll see us out in the community, sleeves rolled up, getting things done. Lending our time, effort and financial support to the central coast is what we do. And we love it.

Serve members with financial products and superior customer service to help them achieve their financial goals.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$953,062,228$995,688,515▲ $42,626,287
Rtn Earn Endowment Incm Other Fnds$98,278,452$103,506,503▲ $5,228,051
Savings and Temporary Cash Investments$32,966,031$63,849,507▲ $30,883,476
Land, Buildings, and Equipment, Net$22,934,930$39,501,114▲ $16,566,184
Receivables From Officers Etc$12,593,690$14,127,135▲ $1,533,445
Cash and Non-Interest-Bearing Accounts$10,910,603$10,619,987▼ $290,616
Investments in Publicly Traded Securities$29,106,955$10,021,116▼ $19,085,839
Investments Other Securities$3,651,100$3,767,000▲ $115,900
Accounts Receivable$1,881,018$2,112,167▲ $231,149
Prepaid Expenses and Deferred Charges$1,616,618$1,407,404▼ $209,214
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,083,097,348$1,158,529,417▲ $75,432,069
Other Assets Total$14,374,175$17,435,472▲ $3,061,297
Liabilities
Other Liabilities$890,028,516$962,842,158▲ $72,813,642
Mortgage Notes Payable Secured by Investment Property$86,500,000$83,500,000▼ $3,000,000
Accounts Payable and Accrued Expenses$8,290,380$8,680,756▲ $390,376
Total Liabilities$984,818,896$1,055,022,914▲ $70,204,018
Net Assets / Fund Balance
Total Net Assets Fund Balance$98,278,452$103,506,503▲ $5,228,051
Total Liabilities and Net Assets / Fund Balance$1,083,097,348$1,158,529,417▲ $75,432,069

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$30,477,626$8,850,963$39,328,589
Equipment$3,398,947$10,775,559$14,174,506
Land$4,245,400-$4,245,400
Leasehold Improvements$1,379,141$1,111,289$2,490,430
Compensation and Service Providers
Top Officer Pay2nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Paul C CookCEO/presidentFT$298,152$78,786$376,938
Bruce a AltheideChief Wealth OfficerFT$31,151$324,996$356,147
Marty L ChathamChief Financial OfficerFT$258,885$87,077$345,962
James LedfordChief Lending OfficerFT$179,161$59,769$238,930
David L SalmChief Administrative OfficerFT$183,783$47,664$231,447
Scott D CoeChief Communication OfficerFT$169,363$55,255$224,618
Suzanne M LeedaleChief Experience OfficerFT$183,278$39,861$223,139
Anne Milne-ramponeConsumer Loan Business Dev OfficerFT$22,832$178,249$201,081
Dallis E Widick Resigned 818Interirm CEO/presidentFT$190,800$5,040$195,840
Linda D Jarrett OlivarVP Internal AuditFT$136,405$43,761$180,166
Jeffrey C YorkCEO/president (separated 2/18)FT$101,769$76,040$177,809
Dean P LadasVP FinanceFT$141,951$27,554$169,505
Cathy CachuVP Commercial Lending ExperienceFT$128,365$38,533$166,898
Scott T DoiVP Branch ExperienceFT$132,949$31,245$164,194
David J UphamEvp/COO (resigned 3/18)FT$58,974$92,883$151,857
Arthur C Scheithaur JrTreasurer-$4,470-$4,470
R Bruce CogginDirector-$2,695-$2,695
Hugh J RaffertyDirector-$2,383-$2,383
William H AndersChairman-$2,081-$2,081
Kathleen GriffithDirector-$1,816-$1,816
Bernard E JonesSecretary-$1,810-$1,810
David M RichardsonDirector (resigned 3/18)-$908-$908
Kristopher L Andrews1st Vice Chairman-$859-$859

Highest Paid Contractors

ContractorServicesLocationCompensation
Specialty Construction INCConstruction & Remodeling Of Facilities645 CLARION COURT, San Luis Obispo, CA 93401$15,527,068
City Of Santa MariaConstruction Permits For Corporate Facil110 E COOK ST, Santa Maria, CA 93458$1,202,150
Ncr CorporationAtm/itm Equipment & Equipment Maintenanc14181 COLLECTIONS CENTER DRIVE, Chicago, IL 60693$717,663
Jack Henry & AssociatesErp And Core Processing System SoftwarePO BOX 609, Monett, MO 65708$705,088
Digital WestData Center Hosting & Connectivity3620 SACRAMENTO DRIVE 102, San Luis Obispo, CA 93401$693,471
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$56,804,901
Investment Income
$1,456,987
Other Revenue
$3,318,897
Change in Net Assets
$5,193,822

Audited Revenue Reconciliation

Revenue per Audited Statements
$61,581,058
Revenue Not Reported on Financial Statements
$-273
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-273
Total Revenue per Audited Statements
$61,581,058
Total Revenue per Form 990
$61,580,785
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$28,857,790
Salaries, Compensation, and Employee Benefits$20,604,097
Grants and Similar Amounts Paid$119,154
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$12,490,190
Benefits to Members---$6,805,922
Other Employee Benefits---$3,722,405
Office Expenses---$3,667,802
Current Officers, Directors, Trustees, and Key Employees---$2,539,706
Occupancy---$2,355,357
All Other Expenses---$2,337,524
Fees for Services Other---$1,887,129
Interest---$1,837,997
Depreciation Depletion---$1,164,155
Payroll Taxes---$1,128,754
Advertising---$1,074,843
Other Expenses---$850,039
Pension Plan Contributions---$723,042
Fees for Services Legal---$613,042
Travel---$420,298
Fees for Services Accounting---$292,255
Grants to Domestic Orgs---$73,436
Grants to Domestic Individuals---$45,718
Total Functional Expenses$0$0$0$56,386,963

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$56,387,236
Expenses per Audited Statements$56,386,963
Total Expenses per Form 990$56,386,963
Expenses Not Reported on Form 990$273
Expenses Not Reported on Financial Statements$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Coasthills Community FoundationLompoc, CA501(c)3$28,500 IS PASSED THROUGH TO THE LOMPOC VALLEY COMMUNITY HEALTHCARE ORGANIZATION FOR THE CONSTRUCTION OF A NEW COMMUNITY ATHLETIC FIELD; THE REMAINING IS FOR GENERAL SUPPORT$28,936
CHILDREN'S MIRACLE NETWORK HOSPITALSSalt Lake City, UT501(c)3General Support$18,500
Elks Recreation IncSanta Maria, CA501(c)4Event Sponsorship$8,000
Cuesta College FoundationSan Luis Obispo, CA501(c)3General Support and Scholarships$7,500
The Foundation for Santa Barbara City CollegeSanta Barbara, CA501(c)3Scholarships$5,500
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$12,593,690$14,127,135▲ $1,533,445
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARE AND SAVINGS ACCOUNTS$961,954,235
Deferred Compensation Liability$887,923
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Participation in this credit union is limited to those who qualify for membership as defined in the credit union's charter and bylaws. This generally consists of individuals who live, work, worship, or go to school within the counties of santa cruz, monterey, san luis obispo, santa barbara or ventura, california, as well as any and all businesses, corporations, and other legal entities located within the counties of santa cruz, monterey, san luis obispo, santa barbara or ventura, california, who have petitioned for membership. In addition to a regularly qualified member, the spouse of a member, the blood or adoptive relatives of either of them and their spouses may be members.”

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

“All holders of basic shares are allowed to vote in annual election for members of the board of directors and supervisory committee.”

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

“Matters concerning the allowed number of directors, ability of the membership to vote by mail, or dissolution of the credit union requires approval by the membership.”

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

“The return is available for members of the board of directors to review prior to filing.”

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

“Loans to officers, directors, and key employees are reported quarterly to the ncua and aggregated by social security number. The credit union vets prospective board and supervisory committee members for relatives who are credit union employees prior to be allowed on the ballot for election. We routinely monitor share and loan accounts for employees and volunteers. The parties and principals mentioned in contracts are reviewed for known relationships with the credit union prior to signing. Per the credit union's conflict of interest policy: a. Section 1205 board of directors - 1d. Limitations i. May not be compensated as a director. Ii. No person may serve as a voting member on the board of directors if their immediate family member is a paid coasthills employee. Iii. May not serve as a member of the board of directors and supervisory committee at the same time. B. Section 1205 loan officers section - 7c. Limitations i. Loan officers may not disburse funds for loans they approve ii. Loan officers may not approve loans for his/her immediate family or for any individual whose relationship with the loan officer represents a conflict of interest. Immediate family is defined in section 1150. C. Section 1205 nominating committee - 10c. Qualifications. Any member 18 or older may serve as a board member or supervisory committee member subject to the approval of coasthills bonding company. However, no person shall serve as a director, officer, committee member, or employee of the credit union who has been convicted of any criminal offense involving dishonesty or breach of trust. The nominating committee is also required to consider the following criteria for eligibility to serve as a board member or supervisory committee member. I. No negative shares ii. No delinquency iii. The member has not filed a lawsuit against coasthills; has not threatened to file a lawsuit against coasthills; or has shared an unfiled lawsuit. Iv. No conflict of interest exists that would effectively prevent the candidate from exercising independent judgement and acting in the best interest of coasthills. V. No former employee of coasthills credit union can serve as a board or supervisory committee member until 3 years have passed from their last day of employment.”

Form 990, Part VI, Section B, Line 15

“Coasthills credit union uses market data balancecomp along with data from cues to help set ceo compensation. Coasthills board of directors commissioned d. Hilton associates to conduct a separate study of ceo compensation. After discussions with balancecomp and d. Hilton associates, the board of directors makes a decision where to set ceo compensation based upon both performance and market factors. These decisions are recorded in the board executive committee minutes and confirmed by the entire board executive committee. For other officers and key employees, coasthills credit union uses a compensation matrix provided by balancecomp that incorporates market data.”

Form 990, Part VI, Section C, Line 19

“Copies of monthly financial statements are kept in each of our 11 branch locations and are available on request.”

Filing and Contact Details

Filer

Filer Name
Coasthills Credit Union
EIN
95-2015359
Phone
8057337619
Address
3880 CONSTELLATION ROAD, LOMPOC, CA 93436

Signing Officer

Name
Barbara Altheide
Title
Chief Financial Officer
Phone
8057337619
Signed
2019-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Paul C Cook
Formed
1958
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
305
Volunteers
16

Preparer

Firm
Cliftonlarsonallen Llp
Address
20 E THOMAS RD STE 2300, PHOENIX, AZ 85012
Preparer
Mary C Green
Phone
6022662248
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“The credit union evaluated its tax positions and determined no uncertain positions exist as of december 31, 2018 and 2017.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Loss on sale of assets included in expenses and moved to revenue -273.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Loss on sale of assets included in expenses and moved to revenue 273.”

Raw XML AppendixShowing 400 of 1,209 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/PersonNm4HUGH J RAFFERTY
IRS990/Form990PartVIISectionAGrp/PersonNm5DAVID M RICHARDSON
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IRS990/Form990PartVIISectionAGrp/PersonNm7KATHLEEN GRIFFITH
IRS990/Form990PartVIISectionAGrp/PersonNm8JEFFREY C YORK
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IRS990/Form990PartVIISectionAGrp/PersonNm11DAVID J UPHAM
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IRS990/Form990PartVIISectionAGrp/TitleTxt11ST VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR (RESIGNED 3/18)
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8CEO/PRESIDENT (SEPARATED 2/18)
IRS990/Form990PartVIISectionAGrp/TitleTxt9INTERIRM CEO/PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO/PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt11EVP/COO (RESIGNED 3/18)
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF WEALTH OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF COMMUNICATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16CHIEF EXPERIENCE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17CHIEF ADMINISTRATIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt18CONSUMER LOAN BUSINESS DEV OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP INTERNAL AUDIT
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP COMMERCIAL LENDING EXPERIENCE
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP BRANCH EXPERIENCE
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IRS990/GrantsToOrganizationsInd01
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IRS990/IncludeFIN48FootnoteInd01
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IRS990/IndoorTanningServicesInd00
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IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WE SEE EACH DAY AS AN OPPORTUNITY TO SERVE OUR COMMUNITIES AND MAKE A DIFFERENCE IN OUR NEIGHBORS' LIVES. YES, THAT MEANS MAKING AFFORDABLE CAR LOANS AND HELPING PEOPLE SAVE MONEY, BUT IT'S MORE THAN THAT. YOU'LL SEE US OUT IN THE COMMUNITY, SLEEVES ROLLED UP, GETTING THINGS DONE. LENDING OUR TIME, EFFORT AND FINANCIAL SUPPORT TO THE CENTRAL COAST IS WHAT WE DO. AND WE LOVE IT.
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt15638207
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23865588
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IRS990/PYRevenuesLessExpensesAmt08239229

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,158,529,417
Liabilities
$1,055,022,914
Net assets
$103,506,503
Revenue
$61,580,785
Expenses
$56,386,963
Net income
$5,193,822
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$4.82$5.05$0.22
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,784$1,652$131$95.9$91.8$4.07
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,829$1,701$128$76.9$70.0$6.84
2021Detailed filing. Detailed filing data is available for this year.$1,604$1,478$127$68.8$59.4$9.44
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,371$1,252$119$65.7$58.7$7.02
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,201$1,090$111$66.2$58.7$7.54
2018Detailed filing. Detailed filing data is available for this year.$1,159$1,055$104$61.6$56.4$5.19
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,083$985$98.3$55.9$47.6$8.24
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,005$915$90.1$51.6$42.0$9.59
2015Detailed filing. Detailed filing data is available for this year.$914$834$80.5$48.8$39.5$9.26
2014Detailed filing. Detailed filing data is available for this year.$790$718$71.1$21.2$16.9$4.32