Civic Intelligence

Printing Industries Credit Union

EIN 95-6097220 • 501(c)14 • Riverside, CA

Profile

Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of Printing Industries Credit Union.

4333 Orange St 100Riverside, CA 92501

www.printingindustriescu.org

Siviq Scores

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

Liabilities / Assets

63rd percentile

0.89x

Higher debt load relative to assets than 63% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2022

Liabilities / Revenue

33rd percentile

15.22x

Higher debt load relative to revenue than 33% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2022

Net Margin

71st percentile

17%

Higher net margin than 71% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

9th percentile

-8.3%

Faster asset growth than 9% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2021 to 2022

Revenue Growth

35th percentile

3.6%

Faster revenue growth than 35% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2021 to 2022

Assets

Down

$29,249,344

Down $2,663,768 (-8.3%) from 2021

Liabilities

Down

$26,102,437

Down $2,949,987 (-10%) from 2021

Net Assets

Up

$3,146,907

Up $286,219 (+10%) from 2021

Revenue

Up

$1,714,727

Up $59,975 (+3.6%) from 2021

Expenses

Down

$1,428,508

Down $50,573 (-3.4%) from 2021

Net Income

Up

$286,219

Up $110,548 (+63%) from 2021

Trend Graphs

Balance Sheet Trend

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

$40M$30M$20M$10M$0Assets 2010: $25,639,399Liabilities 2010: $24,579,200Net Assets 2010: $1,060,1992010Assets 2011: $23,997,088Liabilities 2011: $22,935,093Net Assets 2011: $1,061,9952011Assets 2012: $24,716,229Liabilities 2012: $23,609,083Net Assets 2012: $1,107,1462012Assets 2013: $23,474,543Liabilities 2013: $22,199,959Net Assets 2013: $1,274,5842013Assets 2014: $23,658,653Liabilities 2014: $22,116,346Net Assets 2014: $1,542,3152014Assets 2015: $23,376,904Liabilities 2015: $21,717,920Net Assets 2015: $1,658,9842015Assets 2016: $23,856,515Liabilities 2016: $22,035,378Net Assets 2016: $1,821,1372016Assets 2017: $23,935,845Liabilities 2017: $21,997,542Net Assets 2017: $1,938,3032017Assets 2018: $23,888,306Liabilities 2018: $21,703,019Net Assets 2018: $2,185,2872018Assets 2019: $24,193,091Liabilities 2019: $21,753,543Net Assets 2019: $2,439,5482019Assets 2020: $29,030,320Liabilities 2020: $26,345,303Net Assets 2020: $2,685,0172020Assets 2021: $31,913,112Liabilities 2021: $29,052,424Net Assets 2021: $2,860,6882021Assets 2022: $29,249,344Liabilities 2022: $26,102,437Net Assets 2022: $3,146,9072022

Highlighted filing

2022

Assets$29,249,344
Liabilities$26,102,437
Net Assets$3,146,907

Operations Trend

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $3,611,6502010Expenses 2011: $2,011,1962011Expenses 2012: $1,726,0752012Revenue 2013: $1,799,211Expenses 2013: $1,631,773Net Income 2013: $167,4382013Revenue 2014: $1,771,608Expenses 2014: $1,503,877Net Income 2014: $267,7312014Revenue 2015: $1,745,649Expenses 2015: $1,637,061Net Income 2015: $108,5882015Revenue 2016: $1,744,353Expenses 2016: $1,582,200Net Income 2016: $162,1532016Revenue 2017: $1,718,641Expenses 2017: $1,601,475Net Income 2017: $117,1662017Revenue 2018: $1,694,025Expenses 2018: $1,442,776Net Income 2018: $251,2492018Revenue 2019: $1,727,292Expenses 2019: $1,473,031Net Income 2019: $254,2612019Revenue 2020: $1,603,883Expenses 2020: $1,358,414Net Income 2020: $245,4692020Revenue 2021: $1,654,752Expenses 2021: $1,479,081Net Income 2021: $175,6712021Revenue 2022: $1,714,727Expenses 2022: $1,428,508Net Income 2022: $286,2192022

Highlighted filing

2022

Revenue$1,714,727
Expenses$1,428,508
Net Income$286,219

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.2$26.1$3.15$1.71$1.43$0.29
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.9$29.1$2.86$1.65$1.48$0.18
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.0$26.3$2.69$1.60$1.36$0.25
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.2$21.8$2.44$1.73$1.47$0.25
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.9$21.7$2.19$1.69$1.44$0.25
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.9$22.0$1.94$1.72$1.60$0.12
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.9$22.0$1.82$1.74$1.58$0.16
2015Detailed filing. Detailed filing data is available for this year.$23.4$21.7$1.66$1.75$1.64$0.11
2014Detailed filing. Detailed filing data is available for this year.$23.7$22.1$1.54$1.77$1.50$0.27
2013Detailed filing. Detailed filing data is available for this year.$23.5$22.2$1.27$1.80$1.63$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.7$23.6$1.11$1.73
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.0$22.9$1.06$2.01
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$25.6$24.6$1.06$3.61
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Aug 11, 2023
Return Version
2022v5.0
Gross Receipts
$1,714,727
Mission and Program Overview

Mission

Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of Printing Industries Credit Union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$21,158,470$21,184,761▲ $26,291
Savings and Temporary Cash Investments$5,768,876$4,028,284▼ $1,740,592
Investments Program Related$4,412,995$3,269,788▼ $1,143,207
Rtn Earn Endowment Incm Other Fnds$2,860,688$3,146,907▲ $286,219
Cash and Non-Interest-Bearing Accounts$133,479$176,178▲ $42,699
Receivables From Officers Etc$12,348$40,106▲ $27,758
Land, Buildings, and Equipment, Net$43,284$24,216▼ $19,068
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Other Securities-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$31,913,112$29,249,344▼ $2,663,768
Other Assets Total$383,660$526,011▲ $142,351
Liabilities
Other Liabilities$28,592,047$25,424,330▼ $3,167,717
Accounts Payable and Accrued Expenses$460,377$678,107▲ $217,730
Total Liabilities$29,052,424$26,102,437▼ $2,949,987
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,860,688$3,146,907▲ $286,219
Total Liabilities and Net Assets / Fund Balance$31,913,112$29,249,344▼ $2,663,768

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$16,553$134,115$150,668
Other Land Buildings$7,662$79,913$87,575
Leasehold Improvements$1$14,098$14,099
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Susan ConjurskiCEO/PresidentFT$166,727$14,000$180,727
Brenda HeusterbergVPFT$101,348-$101,348

Board Members and Trustees

NameTitle
Jim HahnBD Chairman
Robert KreivisSC Chairman
Richard JacobsVice Chair
David TobmanBD Director
Frank DoughtonBD director
Karl HicksBD director
David MadisonBoard Director
Lou CaronBD Treasurer
Gregory BurksSc Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,286,184
Investment Income
$91,436
Other Revenue
$337,107
Change in Net Assets
$286,219
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$805,024
Salaries, Compensation, and Employee Benefits$597,296
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$431,624
Other Salaries and Wages---$315,221
Current Officers, Directors, Trustees, and Key Employees---$282,075
Fees for Services Other---$100,027
Occupancy---$52,704
Benefits to Members---$26,188
Travel---$23,911
Advertising---$14,107
Other Expenses---$7,043
Total Functional Expenses$0$0$0$1,428,508
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$12,348$40,106▲ $27,758
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$16,972,854
Share Drafts$4,269,262
Money market$1,519,641
Share Certificates$1,308,614
IRA/KEOGH Accounts$855,959
Other deposits$498,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

Most members are employees of Printing Industries Association, Inc. of Southern California (PIASC),Printing Industries of Northern California (PINC), Printing Industries Association of San Diego (PIASD), and their qualifying family members.

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

Members elect the governing body.

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

There are some decisions of the Board that are subject to the approval by the members.

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

The return preparer e-mails a draft of the Form 990 to Managementwho then forwards the draft to a designated board member(s) and/or CEO for theirreview. Both Management and designated individual(s) review the draft and presentany questions, comments, or corrections to the return preparer. Upon satisfactorycompletion of the Form 990, the organization's authorized individual signs theappropriate signature form(s) to authorize the electronic filing of the return. Acopy of the Form 990, as filed, is provided by the return preparer to theorganization's CEO or other designated individual(s).

Form 990, Part VI, Section B, Line 15A

The process for determining compensation of the CEO includes a review and approval by independent persons, comparability data, and contemporaneous substantiation of the deliberation and decision.

Form 990, Part VI, Section B, Line 15B

The process for determining compensation of other officers and key employees includes a review and approval by independent persons, comparability data, and contemporaneous substantiation of the deliberation and decision.

Form 990, Part VI, Section C, Line 19

The organization makes its governing documents, conflict of interest policy, and financial statements available to the public through call reports.

Filing and Contact Details

Filer

Filer Name
Printing Industries Credit Union
EIN
95-6097220
Phone
3237281866
Address
4333 Orange St 100, Riverside, CA 92501

Signing Officer

Name
Susan Conjurski
Title
President
Signed
2023-08-11
Discuss with paid preparer
Yes

Organization Details

Formed
1957
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
7
Volunteers
9

Preparer

Firm
Richards & Associates
Address
21520 YORBA LINDA BLVD G-516, YORBA LINDA, CA 92887
Preparer
Richards Associates CPAs
Phone
7142876713
Raw XML AppendixShowing 400 of 469 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/MissionDesc0Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of Printing Industries Credit Union.
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IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
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IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
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IRS990/OtherExpensesGrp/Desc1Provision for Loan Losses
IRS990/OtherExpensesGrp/Desc2Misc Operating Expense
IRS990/OtherExpensesGrp/Desc3Regulatory Supervison
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IRS990/OtherExpensesGrp/TotalAmt175000
IRS990/OtherExpensesGrp/TotalAmt27118
IRS990/OtherExpensesGrp/TotalAmt37043
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IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt152266
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt152266
IRS990/OtherRevenueTotalAmt0337107
IRS990/OtherSalariesAndWagesGrp/TotalAmt0315221
IRS990/OtherWebsiteInd0X
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt021184761
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IRS990/PayrollTaxesGrp/TotalAmt00
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IRS990/PoliticalCampaignActyInd0false
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IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0Susan Conjurski
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01286184
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IRS990/PYInvestmentIncomeAmt018079
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IRS990/PYOtherRevenueAmt0359266
IRS990/PYProgramServiceRevenueAmt01277407
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IRS990/PYTotalRevenueAmt01654752
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IRS990/ReportProgramRelatedInvstInd0true
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03146907
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05768876
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04028284
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IRS990ScheduleD/EquipmentGrp/BookValueAmt016553
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0134115
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0150668
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt014098
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt014099
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt07662
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt079913
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt087575
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2498000
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt41308614
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt54269262
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0IRA/KEOGH Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Money market
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Other deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Regular Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Share Certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5Share Drafts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt024216
IRS990ScheduleD/TotalBookValueProgramRltdAmt03269788
IRS990ScheduleD/TotalLiabilityAmt025424330
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0166727
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount014000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Susan Conjurski
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO/President
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0180727
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt01558
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt14753
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt21187
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt31514
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Signature
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Line-a-Cred
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Credit Card
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Credit Card
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt03500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt18200
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt22000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt31600
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt450000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Frank Doughton
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Frank Doughton
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Frank Doughton
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Frank Doughton
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Robert Kreivis
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1BOD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2BOD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3BOD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4SC
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/TotalBalanceDueAmt09012
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Most members are employees of Printing Industries Association, Inc. of Southern California (PIASC),Printing Industries of Northern California (PINC), Printing Industries Association of San Diego (PIASD), and their qualifying family members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members elect the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2There are some decisions of the Board that are subject to the approval by the members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The return preparer e-mails a draft of the Form 990 to Managementwho then forwards the draft to a designated board member(s) and/or CEO for theirreview. Both Management and designated individual(s) review the draft and presentany questions, comments, or corrections to the return preparer. Upon satisfactorycompletion of the Form 990, the organization's authorized individual signs theappropriate signature form(s) to authorize the electronic filing of the return. Acopy of the Form 990, as filed, is provided by the return preparer to theorganization's CEO or other designated individual(s).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The process for determining compensation of the CEO includes a review and approval by independent persons, comparability data, and contemporaneous substantiation of the deliberation and decision.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The process for determining compensation of other officers and key employees includes a review and approval by independent persons, comparability data, and contemporaneous substantiation of the deliberation and decision.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The organization makes its governing documents, conflict of interest policy, and financial statements available to the public through call reports.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false

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