Boys & Girls Clubs of Lower Bergen County, Inc.

GREAT FUTURES START HERE.

Lodi, NJ | https://bgclbergen.org/

GuideStar Charity Check

EIN: 22-1632037

Contributions tax deductible
as of September 2024

IRS BMF 509(a)(2)
as of September 09, 2024

View summary

Charity Check report

Mission

To enable all young people, especially those who need us most, to reach their full potential as productive, caring, responsible citizens. Our vision is to provide a world-class Club Experience that assures success is within reach of every young person who enters our doors, with all members on track to graduate from high school with a plan for the future, demonstrating good character and citizenship, and living a healthy lifestyle.

Ruling year info

1965

Principal Officer

Joseph J Licata

Main address

50 Brookside Avenue STE #1

Lodi, NJ 07644 USA

Show more contact info

EIN

22-1632037

Subject area info

Youth development

Population served info

Children and youth

NTEE code info

Boys and Girls Clubs (Combined) (O23)

IRS subsection

501(c)(3) Public Charity

IRS filing requirement

This organization is required to file an IRS Form 990 or 990-EZ.

Tax forms

Show Forms 990

Communication

Programs and results

What we aim to solve

This profile needs more info.

If it is your nonprofit, add a problem overview.

Our programs

SOURCE: Self-reported by organization

What are the organization's current programs, how do they measure success, and who do the programs serve?

Boys & Girls Clubs of Lower Bergen County (BGCLBC)

For over 74 years, the Boys & Girls Clubs of Lower Bergen County has provided a safe place of inclusion for at-risk children and teens to go after school and throughout the summer, where they participate in life-enhancing programs, learn life skills, receive academic support and mentorship, and have a healthy meal. Our priority outcome areas are Academic Success, Good Character & Citizenship, and Healthy Lifestyles.

Population(s) Served

Children and youth

Where we work

Photos

Our results

SOURCE: Self-reported by organization

How does this organization measure their results? It's a hard question but an important one.

Number of new programs/program sites

Totals By Year

Population(s) Served

Related Program

Boys & Girls Clubs of Lower Bergen County (BGCLBC)

Type of Metric

Output - describing our activities and reach

Direction of Success

Increasing

Context Notes

2021- Added Hackensack Middle School Program 2022- Added South Bergen Jointure Program 2022- Added Wallington Program

Goals & Strategy

SOURCE: Self-reported by organization

Reports and documents

Learn about the organization's key goals, strategies, capabilities, and progress.

Charting impact

Four powerful questions that require reflection about what really matters - results.

What is the organization aiming to accomplish?

Our organization is implementing a strategic plan that will increase our brand awareness.

What are the organization's key strategies for making this happen?

Our organization is working to reducing inequities by opening a program that serves children with special needs.

What are the organization's capabilities for doing this?

What have they accomplished so far and what's next?

Financials

Boys & Girls Clubs of Lower Bergen County, Inc.

Fiscal year: Jan 01 - Dec 31

Financial documents

Yes, financials were audited by an independent accountant.

Revenue vs. expenses: breakdown

SOURCE: IRS Form 990

NET GAIN/LOSS: in

Note: When component data are not available, the graph displays the total Revenue and/or Expense values.

Liquidity in 2022

SOURCE: IRS Form 990

0.36

Average of 0.12 over 10 years

Months of cash in 2022

SOURCE: IRS Form 990

2.5

Average of 1.2 over 10 years

Fringe rate in 2022

SOURCE: IRS Form 990

15%

Average of 15% over 10 years

Funding sources

Source: IRS Form 990

Assets & liabilities

Source: IRS Form 990

Financial data

SOURCE: IRS Form 990

Digitizing IRS form 990 data

Boys & Girls Clubs of Lower Bergen County, Inc.

Revenue & expenses

Fiscal Year: Jan 01 - Dec 31

SOURCE: IRS Form 990 info

Fiscal year ending: Download Data

Revenue
Contributions	$240,610
Government Grants	$125,398
Program Services	$586,707
Investments	$165,506
Special Events	$454,654
Sales	$0
Other	$34,100
Total Revenue	$1,606,975

Expenses
Program Services	$1,230,949
Administration	$432,642
Fundraising	$38,059
Total Expenses	$1,701,650
Net Gain/Loss	($94,675)

Functional expenses
Accounting Fees	$5,741
Advertising & Promotion	$15,740
Information Technology Expenses	$11,207
Insurance Expenses	$78,954
Interest Expenses	$50,912
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$287,968
Government Grants	$177,381
Program Services	$479,753
Investments	$152,920
Special Events	$442,020
Sales	$0
Other	$4,725
Total Revenue	$1,544,767

Expenses
Program Services	$1,115,767
Administration	$446,738
Fundraising	$161,895
Total Expenses	$1,724,400
Net Gain/Loss	($179,633)

Functional expenses
Accounting Fees	$5,675
Advertising & Promotion	$5,073
Information Technology Expenses	$16,855
Insurance Expenses	$85,611
Interest Expenses	$58,945
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$471,873
Government Grants	$131,056
Program Services	$525,726
Investments	$160,069
Special Events	$421,261
Sales	$0
Other	$4,460
Total Revenue	$1,714,445

Expenses
Program Services	$1,317,742
Administration	$382,154
Fundraising	$63,359
Total Expenses	$1,763,255
Net Gain/Loss	($48,810)

Functional expenses
Accounting Fees	$7,092
Advertising & Promotion	$5,906
Information Technology Expenses	$2,623
Insurance Expenses	$96,726
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$423,408
Government Grants	$165,069
Program Services	$4,999,717
Investments	$137,933
Special Events	$373,094
Sales	$0
Other	$532,180
Total Revenue	$2,131,401

Expenses
Program Services	$1,287,579
Administration	$459,252
Fundraising	$72,039
Total Expenses	$1,818,870
Net Gain/Loss	$312,531

Functional expenses
Accounting Fees	$6,776
Advertising & Promotion	$4,619
Information Technology Expenses	$0
Insurance Expenses	$86,208
Interest Expenses	$61,745
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$366,051
Government Grants	$129,111
Program Services	$578,650
Investments	$211,316
Special Events	$339,794
Sales	$0
Other	$90,355
Total Revenue	$1,715,277

Expenses
Program Services	$1,510,064
Administration	$375,153
Fundraising	$46,595
Total Expenses	$1,931,812
Net Gain/Loss	($216,535)

Functional expenses
Accounting Fees	$8,756
Advertising & Promotion	$7,477
Information Technology Expenses	$17,083
Insurance Expenses	$82,002
Interest Expenses	$83,521
Investment Management Fees	$0
Legal Fees	$1,457
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$268,532
Government Grants	$122,481
Program Services	$709,776
Investments	$242,535
Special Events	$219,717
Sales	$0
Other	$24,500
Total Revenue	$1,587,541

Expenses
Program Services	$1,374,682
Administration	$317,591
Fundraising	$42,542
Total Expenses	$1,734,815
Net Gain/Loss	($147,274)

Functional expenses
Accounting Fees	$7,302
Advertising & Promotion	$8,146
Information Technology Expenses	$16,548
Insurance Expenses	$78,057
Interest Expenses	$89,724
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$283,629
Government Grants	$109,951
Program Services	$766,165
Investments	$319,411
Special Events	$313,251
Sales	$0
Other	$1,210
Total Revenue	$1,793,617

Expenses
Program Services	$1,430,833
Administration	$394,224
Fundraising	$48,711
Total Expenses	$1,873,768
Net Gain/Loss	($80,151)

Functional expenses
Accounting Fees	$14,752
Advertising & Promotion	$5,839
Information Technology Expenses	$21,132
Insurance Expenses	$90,794
Interest Expenses	$115,405
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$200,913
Government Grants	$123,050
Program Services	$872,064
Investments	$352,973
Special Events	$283,707
Sales	$0
Other	$10,046
Total Revenue	$1,842,753

Expenses
Program Services	$1,437,758
Administration	$335,293
Fundraising	$136,608
Total Expenses	$1,909,659
Net Gain/Loss	($66,906)

Functional expenses
Accounting Fees	$6,497
Advertising & Promotion	$4,539
Information Technology Expenses	$16,798
Insurance Expenses	$101,518
Interest Expenses	$76,588
Investment Management Fees	$0
Legal Fees	$2,876
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$302,242
Government Grants	$102,948
Program Services	$912,689
Investments	$441,134
Special Events	$238,733
Sales	$0
Other	$10,331
Total Revenue	$2,008,077

Expenses
Program Services	$1,384,484
Administration	$274,101
Fundraising	$165,640
Total Expenses	$1,824,225
Net Gain/Loss	$183,852

Functional expenses
Accounting Fees	$5,785
Advertising & Promotion	$3,900
Information Technology Expenses	$10,458
Insurance Expenses	$95,590
Interest Expenses	$108,414
Investment Management Fees	$0
Legal Fees	$9,571
Pension Plan Contributions	$49,295
Professional Fundraising Expenses	$0

Revenue
Contributions	$217,801
Government Grants	$18,606
Program Services	$906,289
Investments	$431,521
Special Events	$417,291
Sales	$0
Other	$10,433
Total Revenue	$2,061,941

Expenses
Program Services	$1,479,779
Administration	$359,839
Fundraising	$174,975
Total Expenses	$2,014,593
Net Gain/Loss	$47,348

Functional expenses
Accounting Fees	$5,995
Advertising & Promotion	$3,443
Information Technology Expenses	$8,263
Insurance Expenses	$98,591
Interest Expenses	$100,473
Investment Management Fees	$0
Legal Fees	$42,018
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$193,179
Government Grants	$240,252
Program Services	$1,164,985
Investments	$185,046
Special Events	$677,925
Sales	$0
Other	$81,223
Total Revenue	$2,542,610

Expenses
Program Services	$1,615,732
Administration	$405,815
Fundraising	$279,805
Total Expenses	$2,301,352
Net Gain/Loss	$241,258

Functional expenses
Accounting Fees	$5,200
Advertising & Promotion	$5,160
Information Technology Expenses	$6,269
Insurance Expenses	$94,824
Interest Expenses	$71,852
Investment Management Fees	$0
Legal Fees	$52,406
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$165,316
Government Grants	$243,960
Program Services	$1,285,032
Investments	$183,769
Special Events	$559,404
Sales	$0
Other	$20,615
Total Revenue	$2,458,096

Expenses
Program Services	$1,494,808
Administration	$755,214
Fundraising	$132,300
Total Expenses	$2,382,322
Net Gain/Loss	$75,774

Functional expenses
Accounting Fees	$5,200
Advertising & Promotion	$8,315
Information Technology Expenses	$28,438
Insurance Expenses	$100,051
Interest Expenses	$73,529
Investment Management Fees	$0
Legal Fees	$8,735
Pension Plan Contributions	$53,756
Professional Fundraising Expenses	$0

Revenue
Contributions	$175,617
Government Grants	$870,190
Program Services	$589,892
Investments	$74,719
Special Events	$262,023
Sales	$0
Other	$33,867
Total Revenue	$2,006,308

Expenses
Program Services	$1,465,359
Administration	$673,748
Fundraising	$239,742
Total Expenses	$2,378,849
Net Gain/Loss	($372,541)

Functional expenses
Accounting Fees	$0
Advertising & Promotion	$2,970
Information Technology Expenses	$20,601
Insurance Expenses	$98,179
Interest Expenses	$40,845
Investment Management Fees	$0
Legal Fees	$9,000
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$212,052
Government Grants	$1,237,219
Program Services	$725,555
Investments	$423,564
Special Events	$457,513
Sales	$0
Other	$235,146
Total Revenue	$3,291,049

Expenses
Program Services	$1,624,611
Administration	$822,979
Fundraising	$385,514
Total Expenses	$2,833,104
Net Gain/Loss	$457,945

Functional expenses
Accounting Fees	$16,221
Advertising & Promotion	$6,731
Information Technology Expenses	$22,145
Insurance Expenses	$112,885
Interest Expenses	$33,420
Investment Management Fees	$0
Legal Fees	$12,000
Pension Plan Contributions	$17,502
Professional Fundraising Expenses	$0

Revenue
Contributions	$247,324
Government Grants	$2,129,215
Program Services	$1,076,362
Investments	$508,711
Special Events	$1,059,069
Sales	$0
Other	$333,616
Total Revenue	$5,354,297

Expenses
Program Services	$2,243,517
Administration	$1,321,198
Fundraising	$620,886
Total Expenses	$4,185,601
Net Gain/Loss	$1,168,696

Functional expenses
Accounting Fees	$13,500
Advertising & Promotion	$15,156
Information Technology Expenses	$31,834
Insurance Expenses	$148,997
Interest Expenses	$87,028
Investment Management Fees	$0
Legal Fees	$19,157
Pension Plan Contributions	$25,443
Professional Fundraising Expenses	$0

Boys & Girls Clubs of Lower Bergen County, Inc.

Balance sheet

Fiscal Year: Jan 01 - Dec 31

SOURCE: IRS Form 990 info

The balance sheet gives a snapshot of the financial health of an organization at a particular point in time. An organization's total assets should generally exceed its total liabilities, or it cannot survive long, but the types of assets and liabilities must also be considered. For instance, an organization's current assets (cash, receivables, securities, etc.) should be sufficient to cover its current liabilities (payables, deferred revenue, current year loan, and note payments). Otherwise, the organization may face solvency problems. On the other hand, an organization whose cash and equivalents greatly exceed its current liabilities might not be putting its money to best use.

Fiscal year ending: Download Data

Assets	Jan 01, 2008	Dec 31, 2008	Change
Contributions	$240,610
Cash & Equivalents	$76,497	$193,207	$116,710
Accounts Receivable	$0	$0	$0
Pledges & Grants Receivable	$313,349	$367,316	$53,967
Receivable, Other	$0	$0	$0
Inventories for Sale or Use	$0	$0	$0
Investment, Securities	$0	$0	$0
Investment, Other	$0	$0	$0
Fixed Assets (LBE - Depreciation)	$2,179,037	$2,220,599	$41,562
Other	$42,992	$38,713	($4,279)
Total Assets	$2,611,875	$2,819,835	$207,960

Liabilities	Jan 01, 2008	Dec 31, 2008	Change
Accounts Payable	$109,521	$122,573	$13,052
Grants Payable	$0	$0	$0
Deferred Revenue	$0	$0	$0
Loans and Notes	$1,029,398	$1,335,523	$306,125
Tax-Exempt Bond Liabilities	$0	$0	$0
Other	$25,606	$9,064	($16,542)
Total Liabilities	$1,164,525	$1,467,160	$302,635

Fund balance	Jan 01, 2008	Dec 31, 2008	Change
Temporarily Restricted Net Assets	$0	$0	$0
Permanently Restricted Net Assets	$0	$0	$0
Total Restricted Net Assets	$0	$0	$0
Unrestricted Net Assets	$1,447,350	$1,352,675	($94,675)
Net Assets	$0	$0	$0

Assets	Jan 01, 2009	Dec 31, 2009	Change
Contributions	$287,968
Cash & Equivalents	$193,207	$89,926	($103,281)
Accounts Receivable	$0	$0	$0
Pledges & Grants Receivable	$367,616	$48,103	($319,513)
Receivable, Other	$0	$0	$0
Inventories for Sale or Use	$0	$0	$0
Investment, Securities	$0	$0	$0
Investment, Other	$0	$0	$0
Fixed Assets (LBE - Depreciation)	$2,220,599	$2,477,204	$256,605
Other	$38,713	$37,325	($1,388)
Total Assets	$2,819,835	$2,652,558	($167,277)

Liabilities	Jan 01, 2009	Dec 31, 2009	Change
Accounts Payable	$122,573	$176,184	$53,611
Grants Payable	$0	$0	$0
Deferred Revenue	$0	$0	$0
Loans and Notes	$1,335,523	$1,282,902	($52,621)
Tax-Exempt Bond Liabilities	$0	$0	$0
Other	$9,064	$20,430	$11,366
Total Liabilities	$1,467,160	$1,479,516	$12,356

Boys & Girls Clubs of Lower Bergen County, Inc.

Financial trends analysis Glossary & formula definitions

Fiscal Year: Jan 01 - Dec 31

SOURCE: IRS Form 990 info

This snapshot of Boys & Girls Clubs of Lower Bergen County, Inc.’s financial trends applies Nonprofit Finance Fund® analysis to data hosted by GuideStar. While it highlights the data that matter most, remember that context is key – numbers only tell part of any story.

Created in partnership with

Fiscal year: Jan 01 - Dec 31 View full report Download data

Business model indicators

Profitability	2018	2019	2020	2021	2022
Unrestricted surplus (deficit) before depreciation	$466,258	$300,774	-$172,541	$682,945	$1,488,982
As % of expenses	22.5%	13.9%	-7.9%	26.2%	38.5%
Unrestricted surplus (deficit) after depreciation	$241,258	$75,774	-$372,541	$457,945	$1,168,696
As % of expenses	10.5%	3.2%	-15.7%	16.2%	27.9%

Revenue composition
Total revenue (unrestricted & restricted)	$2,542,610	$2,458,096	$2,006,308	$3,291,049	$5,354,297
Total revenue, % change over prior year	23.3%	-3.3%	-18.4%	64.0%	62.7%
Program services revenue	45.8%	52.3%	29.4%	22.0%	20.1%
Membership dues	0.8%	0.7%	0.1%	0.2%	0.3%
Investment income	0.0%	0.0%	0.0%	0.0%	0.0%
Government grants	9.4%	9.9%	43.4%	37.6%	39.8%
All other grants and contributions	24.9%	9.1%	9.8%	8.1%	5.4%
Other revenue	19.0%	27.9%	17.3%	32.1%	34.4%

Expense composition
Total expenses before depreciation	$2,076,352	$2,157,322	$2,178,849	$2,608,104	$3,865,315
Total expenses, % change over prior year	15.2%	3.9%	1.0%	19.7%	48.2%
Personnel	48.7%	55.3%	59.4%	55.1%	56.8%
Professional fees	2.8%	1.9%	1.3%	2.2%	6.7%
Occupancy	4.7%	12.0%	15.2%	17.5%	3.2%
Interest	3.5%	3.4%	1.9%	1.3%	2.3%
Pass-through	0.0%	0.0%	0.0%	0.0%	0.0%
All other expenses	40.4%	27.3%	22.3%	24.0%	31.0%

Full cost components (estimated)	2018	2019	2020	2021	2022
Total expenses (after depreciation)	$2,301,352	$2,382,322	$2,378,849	$2,833,104	$4,185,601
One month of savings	$173,029	$179,777	$181,571	$217,342	$322,110
Debt principal payment	$145,190	$74,077	$0	$49,472	$0
Fixed asset additions	$0	$253,487	$0	$391,212	$1,033,698
Total full costs (estimated)	$2,619,571	$2,889,663	$2,560,420	$3,491,130	$5,541,409

Capital structure indicators

Liquidity	2018	2019	2020	2021	2022
Months of cash	1.5	1.5	1.4	2.4	2.5
Months of cash and investments	1.5	1.5	1.4	2.4	2.5
Months of estimated liquid unrestricted net assets	1.4	1.2	1.0	1.9	2.8

Balance sheet composition	2018	2019	2020	2021	2022
Cash	$263,087	$266,599	$259,374	$527,653	$795,052
Investments	$0	$0	$0	$0	$0
Receivables	$7,823	$14,309	$805	$8,318	$31,047
Gross land, buildings, equipment (LBE)	$6,234,811	$6,488,298	$6,522,408	$6,913,620	$6,518,879
Accumulated depreciation (as a % of LBE)	49.7%	51.3%	54.1%	54.3%	54.2%
Liabilities (as a % of assets)	59.5%	57.8%	66.6%	58.5%	54.7%
Unrestricted net assets	$1,398,355	$1,474,129	$1,101,588	$1,559,533	$1,866,671
Temporarily restricted net assets	$0	N/A	N/A	N/A	N/A
Permanently restricted net assets	$0	N/A	N/A	N/A	N/A
Total restricted net assets	$0	$0	$0	$0	$10,500
Total net assets	$1,398,355	$1,474,129	$1,101,588	$1,559,533	$1,877,171

Key data checks

Key data checks	2018	2019	2020	2021	2022
Material data errors	No	No	No	No	No

Operations

The people, governance practices, and partners that make the organization tick.

Documents

Letter of Determination is not available for this organization

Form 1023/1024 is not available for this organization

Principal Officer

Joseph J Licata

Number of employees

Source: IRS Form 990

Boys & Girls Clubs of Lower Bergen County, Inc.

Officers, directors, trustees, and key employees

SOURCE: IRS Form 990

Compensation

Other

Show data for fiscal year

Compensation data

Download up to 5 most recent years of officer and director compensation data for this organization

Boys & Girls Clubs of Lower Bergen County, Inc.

Highest paid employees

SOURCE: IRS Form 990

Compensation

Other

Show data for fiscal year

Compensation data

Download up to 5 most recent years of highest paid employee data for this organization

Boys & Girls Clubs of Lower Bergen County, Inc.

Board of directors
as of 05/30/2023

SOURCE: Self-reported by organization

Board of directors data

Download the most recent year of board of directors data for this organization

Board chair

Mike Williams

Stephen LoIacono

Michael Tancorra

Mark Bordick

Ann Marie Saccaro

Maritza Aleman

Juan Alvarado

Annekee Brahver-Keely

Balpreet K. Grewal-Virk

Jon Hendl

Tim Hoffman

Stacy B. Kornhauser

Melissa Ledesma

Jennifer Mejia

Russ Patane

Organizational demographics

SOURCE: Self-reported; last updated 5/30/2023

Candid has made improvements to the race and ethnicity options.

Who works and leads organizations that serve our diverse communities? Candid partnered with CHANGE Philanthropy on this demographic section.

Leadership

The organization's leader identifies as:

Race & ethnicity

White/Caucasian/European

Gender identity

Male, Not transgender

Sexual orientation

Heterosexual or Straight

Disability status

Person without a disability

Boys & Girls Clubs of Lower Bergen County, Inc.

GREAT FUTURES START HERE.

Mission

Is this your nonprofit?

Programs and results

What we aim to solve

This profile needs more info.

Our programs

Boys & Girls Clubs of Lower Bergen County (BGCLBC)

Where we work

Our results

Evaluation documents

Number of new programs/program sites

Totals By Year

Population(s) Served

Related Program

Type of Metric

Direction of Success

Context Notes

Goals & Strategy

Reports and documents

Charting impact

What is the organization aiming to accomplish?

What are the organization's key strategies for making this happen?

What are the organization's capabilities for doing this?

What have they accomplished so far and what's next?

Financials

Financial documents

Revenue vs. expenses: breakdown

Liquidity in 2022 info

0.36

Months of cash in 2022 info

2.5

Fringe rate in 2022 info

15%

Funding sources info

Assets & liabilities info

Financial data

Digitizing IRS form 990 data

Boys & Girls Clubs of Lower Bergen County, Inc.

Boys & Girls Clubs of Lower Bergen County, Inc.

Boys & Girls Clubs of Lower Bergen County, Inc.

Business model indicators

Capital structure indicators

Key data checks

Operations

Documents

Principal Officer

Joseph J Licata

Number of employees

Boys & Girls Clubs of Lower Bergen County, Inc.

Compensation data

Boys & Girls Clubs of Lower Bergen County, Inc.

Compensation data

Boys & Girls Clubs of Lower Bergen County, Inc.

Board of directors data

Mike Williams

Organizational demographics

Leadership

Race & ethnicity

Gender identity

Transgender Identity

Sexual orientation

Disability

Liquidity in 2022

Months of cash in 2022

Fringe rate in 2022

Funding sources

Assets & liabilities