LUBBOCK RAPE CRISIS CENTER INC

AlwaysHereAlwaysHope

aka VOICE OF HOPE | Lubbock, TX | http://www.VoiceofHopeTexas.org

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GuideStar Charity Check

EIN: 75-1516328

Contributions tax deductible
as of March 2023

IRS BMF 509(a)(1)
as of March 13, 2023

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Charity Check report

Mission

Voice of Hope Rape Crisis offers help, hope, and healing to all persons impacted by sexual violence through advocacy, awareness, and collaboration in Lubbock and surrounding communities.

Ruling year info

1977

Executive Director

Kristin Murray

Main address

PO Box 2000

Lubbock, TX 79457 USA

Show more contact info

EIN

75-1516328

Subject area info

Sexual assault victim services

Population served info

LGBTQ people

Heterosexuals

Women and girls

Men and boys

Victims of crime and abuse

NTEE code info

Rape Victim Services (F42)

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?

Sexual Assault Accompaniment

The purpose of sexual assault accompaniment is to provide in-person support and advocacy to Survivors, Family and/or Significant Others (SFSO) during proceeding with external agencies in order to reduce the trauma, ensure the well-being of the survivor, provide information and referrals, and facilitate empowerment.

Population(s) Served

Age groups

Where we work

External reviews

Financials

LUBBOCK RAPE CRISIS CENTER INC

Fiscal year: Nov 01 - Oct 31

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 2020

SOURCE: IRS Form 990

15.12

Average of 20.78 over 10 years

Months of cash in 2020

SOURCE: IRS Form 990

3.9

Average of 5.3 over 10 years

Fringe rate in 2020

SOURCE: IRS Form 990

25%

Average of 23% 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

LUBBOCK RAPE CRISIS CENTER INC

Revenue & expenses

Fiscal Year: Nov 01 - Oct 31

SOURCE: IRS Form 990

Fiscal year ending: Download Data

Revenue
Contributions	$129,293
Government Grants	$179,747
Program Services	$3,605
Investments	$902
Special Events	$20,666
Sales	$0
Other	$0
Total Revenue	$334,213

Expenses
Program Services	$326,123
Administration	$2,336
Fundraising	$0
Total Expenses	$328,459
Net Gain/Loss	$5,754

Functional expenses
Accounting Fees	$7,806
Advertising & Promotion	$4,613
Information Technology Expenses	$0
Insurance Expenses	$4,745
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$5,396
Professional Fundraising Expenses	$0

Revenue
Contributions	$161,371
Government Grants	$212,805
Program Services	$3,650
Investments	$694
Special Events	$17,527
Sales	$0
Other	$0
Total Revenue	$396,047

Expenses
Program Services	$356,123
Administration	$17,220
Fundraising	$0
Total Expenses	$373,343
Net Gain/Loss	$22,704

Functional expenses
Accounting Fees	$7,413
Advertising & Promotion	$2,063
Information Technology Expenses	$0
Insurance Expenses	$4,536
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$5,741
Professional Fundraising Expenses	$0

Revenue
Contributions	$158,061
Government Grants	$386,803
Program Services	$2,536
Investments	$830
Special Events	$8,564
Sales	$0
Other	$0
Total Revenue	$556,794

Expenses
Program Services	$544,479
Administration	$1,217
Fundraising	$0
Total Expenses	$545,696
Net Gain/Loss	$11,098

Functional expenses
Accounting Fees	$10,255
Advertising & Promotion	$1,485
Information Technology Expenses	$0
Insurance Expenses	$7,714
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$5,741
Professional Fundraising Expenses	$0

Revenue
Contributions	$157,323
Government Grants	$457,470
Program Services	$3,109
Investments	$498
Special Events	$19,185
Sales	$0
Other	$100
Total Revenue	$637,685

Expenses
Program Services	$596,915
Administration	$33,541
Fundraising	$7,106
Total Expenses	$637,562
Net Gain/Loss	$123

Functional expenses
Accounting Fees	$5,797
Advertising & Promotion	$710
Information Technology Expenses	$0
Insurance Expenses	$5,210
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$8,298
Professional Fundraising Expenses	$0

Revenue
Contributions	$442,281
Government Grants	$315,181
Program Services	$3,200
Investments	($9,197)
Special Events	$17,944
Sales	$0
Other	$0
Total Revenue	$769,409

Expenses
Program Services	$489,898
Administration	$34,639
Fundraising	$8,029
Total Expenses	$532,566
Net Gain/Loss	$236,843

Functional expenses
Accounting Fees	$18,094
Advertising & Promotion	$949
Information Technology Expenses	$0
Insurance Expenses	$11,022
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$8,241
Professional Fundraising Expenses	$0

Revenue
Contributions	$176,298
Government Grants	$209,154
Program Services	$3,040
Investments	$725
Special Events	$33,874
Sales	$0
Other	$0
Total Revenue	$423,091

Expenses
Program Services	$405,866
Administration	$22,136
Fundraising	$14,701
Total Expenses	$442,703
Net Gain/Loss	($19,612)

Functional expenses
Accounting Fees	$8,294
Advertising & Promotion	$1,024
Information Technology Expenses	$0
Insurance Expenses	$5,874
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$7,450
Professional Fundraising Expenses	$0

Revenue
Contributions	$164,253
Government Grants	$279,635
Program Services	$2,970
Investments	$1,251
Special Events	$35,443
Sales	$0
Other	$0
Total Revenue	$483,552

Expenses
Program Services	$434,402
Administration	$24,750
Fundraising	$16,510
Total Expenses	$475,662
Net Gain/Loss	$7,890

Functional expenses
Accounting Fees	$5,400
Advertising & Promotion	$710
Information Technology Expenses	$0
Insurance Expenses	$7,097
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$0
Professional Fundraising Expenses	$0

Revenue
Contributions	$162,662
Government Grants	$314,405
Program Services	$4,361
Investments	$1,179
Special Events	$18,665
Sales	$0
Other	$9,079
Total Revenue	$510,351

Expenses
Program Services	$496,179
Administration	$26,051
Fundraising	$4,646
Total Expenses	$526,876
Net Gain/Loss	($16,525)

Functional expenses
Accounting Fees	$4,151
Advertising & Promotion	$831
Information Technology Expenses	$0
Insurance Expenses	$7,351
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$9,201
Professional Fundraising Expenses	$0

Revenue
Contributions	$174,334
Government Grants	$373,531
Program Services	$4,279
Investments	$1,561
Special Events	$19,098
Sales	$0
Other	$6,223
Total Revenue	$579,026

Expenses
Program Services	$541,620
Administration	$25,342
Fundraising	$7,464
Total Expenses	$574,426
Net Gain/Loss	$4,600

Functional expenses
Accounting Fees	$4,087
Advertising & Promotion	$1,564
Information Technology Expenses	$0
Insurance Expenses	$6,075
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$11,131
Professional Fundraising Expenses	$0

Revenue
Contributions	$246,019
Government Grants	$570,394
Program Services	$4,143
Investments	$1,357
Special Events	($4,093)
Sales	$0
Other	$0
Total Revenue	$817,820

Expenses
Program Services	$638,360
Administration	$113,058
Fundraising	$10,341
Total Expenses	$761,759
Net Gain/Loss	$56,061

Functional expenses
Accounting Fees	$0
Advertising & Promotion	$2,880
Information Technology Expenses	$0
Insurance Expenses	$399
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$14,416
Professional Fundraising Expenses	$0

Revenue
Contributions	$260,998
Government Grants	$546,496
Program Services	$4,107
Investments	$1,220
Special Events	($15,543)
Sales	$0
Other	$0
Total Revenue	$797,278

Expenses
Program Services	$717,555
Administration	$79,275
Fundraising	$7,159
Total Expenses	$803,989
Net Gain/Loss	($6,711)

Functional expenses
Accounting Fees	$0
Advertising & Promotion	$2,301
Information Technology Expenses	$0
Insurance Expenses	$7,974
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$14,951
Professional Fundraising Expenses	$0

Revenue
Contributions	$231,487
Government Grants	$764,548
Program Services	$0
Investments	$1,564
Special Events	$0
Sales	$0
Other	$0
Total Revenue	$997,599

Expenses
Program Services	$859,901
Administration	$94,600
Fundraising	$8,425
Total Expenses	$962,926
Net Gain/Loss	$34,673

Functional expenses
Accounting Fees	$0
Advertising & Promotion	$590
Information Technology Expenses	$0
Insurance Expenses	$7,475
Interest Expenses	$0
Investment Management Fees	$0
Legal Fees	$0
Pension Plan Contributions	$18,010
Professional Fundraising Expenses	$0

LUBBOCK RAPE CRISIS CENTER INC

Balance sheet

Fiscal Year: Nov 01 - Oct 31

SOURCE: IRS Form 990

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	Nov 01, 2008	Oct 31, 2009	Change
Contributions	$129,293
Cash & Equivalents	$54,873	$62,282	$7,409
Accounts Receivable	$17,220	$10,368	($6,852)
Pledges & Grants Receivable	$34,213	$30,448	($3,765)
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)	$54,896	$49,329	($5,567)
Other	$4,411	$3,712	($699)
Total Assets	$165,613	$156,139	($9,474)

Liabilities	Nov 01, 2008	Oct 31, 2009	Change
Accounts Payable	$1,379	$0	($1,379)
Grants Payable	$0	$0	$0
Deferred Revenue	$0	$0	$0
Loans and Notes	$0	$0	$0
Tax-Exempt Bond Liabilities	$0	$0	$0
Other	$3,664	$1,718	($1,946)
Total Liabilities	$5,043	$1,718	($3,325)

Fund balance	Nov 01, 2008	Oct 31, 2009	Change
Temporarily Restricted Net Assets	$16,904	$10,368	($6,536)
Permanently Restricted Net Assets	$0	$0	$0
Total Restricted Net Assets	$16,904	$10,368	($6,536)
Unrestricted Net Assets	$143,666	$144,053	$387
Net Assets	$160,570	$154,421	($6,149)

Assets	Nov 01, 2009	Oct 31, 2010	Change
Contributions	$161,371
Cash & Equivalents	$62,282	$85,577	$23,295
Accounts Receivable	$10,368	$19,092	$8,724
Pledges & Grants Receivable	$30,448	$29,203	($1,245)
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)	$49,329	$42,604	($6,725)
Other	$3,712	$3,712	$0
Total Assets	$156,139	$180,188	$24,049

Liabilities	Nov 01, 2009	Oct 31, 2010	Change
Accounts Payable	$0	$0	$0
Grants Payable	$0	$0	$0
Deferred Revenue	$0	$0	$0
Loans and Notes	$0	$0	$0
Tax-Exempt Bond Liabilities	$0	$0	$0
Other	$1,718	$3,064	$1,346
Total Liabilities	$1,718	$3,064	$1,346

Fund balance	Nov 01, 2009	Oct 31, 2010	Change
Temporarily Restricted Net Assets	$10,368	$19,012	$8,644
Permanently Restricted Net Assets	$0	$0	$0
Total Restricted Net Assets	$10,368	$19,012	$8,644
Unrestricted Net Assets	$144,053	$158,112	$14,059
Net Assets	$154,421	$177,124	$22,703

Assets	Nov 01, 2010	Oct 31, 2011	Change
Contributions	$158,061
Cash & Equivalents	$85,577	$79,814	($5,763)
Accounts Receivable	$19,092	$19,081	($11)
Pledges & Grants Receivable	$29,203	$35,289	$6,086
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)	$42,604	$61,918	$19,314
Other	$3,712	$3,712	$0
Total Assets	$180,188	$199,814	$19,626

Liabilities	Nov 01, 2010	Oct 31, 2011	Change
Accounts Payable	$0	$0	$0
Grants Payable	$0	$0	$0
Deferred Revenue	$0	$0	$0
Loans and Notes	$0	$0	$0
Tax-Exempt Bond Liabilities	$0	$0	$0
Other	$3,064	$11,592	$8,528
Total Liabilities	$3,064	$11,592	$8,528

Fund balance	Nov 01, 2010	Oct 31, 2011	Change
Temporarily Restricted Net Assets	$19,012	$19,081	$69
Permanently Restricted Net Assets	$0	$0	$0
Total Restricted Net Assets	$19,012	$19,081	$69
Unrestricted Net Assets	$158,112	$169,141	$11,029
Net Assets	$177,124	$188,222	$11,098

Assets	Nov 01, 2011	Oct 31, 2012	Change
Contributions	$157,323
Cash & Equivalents	$79,814	$89,342	$9,528
Accounts Receivable	$0	$0	$0
Pledges & Grants Receivable	$54,370	$46,980	($7,390)
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)	$61,918	$74,416	$12,498
Other	$3,712	$3,397	($315)
Total Assets	$199,814	$214,135	$14,321

Liabilities	Nov 01, 2011	Oct 31, 2012	Change
Accounts Payable	$0	$12,879	$12,879
Grants Payable	$0	$0	$0
Deferred Revenue	$0	$0	$0
Loans and Notes	$0	$0	$0
Tax-Exempt Bond Liabilities	$0	$0	$0
Other	$11,592	$12,911	$1,319
Total Liabilities	$11,592	$25,790	$14,198

Fund balance	Nov 01, 2011	Oct 31, 2012	Change
Temporarily Restricted Net Assets	$19,081	$20,053	$972
Permanently Restricted Net Assets	$0	$0	$0
Total Restricted Net Assets	$19,081	$20,053	$972
Unrestricted Net Assets	$169,141	$168,292	($849)
Net Assets	$188,222	$188,345	$123

Assets	Nov 01, 2012	Oct 31, 2013	Change
Contributions	$442,281
Cash & Equivalents	$89,342	$322,668	$233,326
Accounts Receivable	$0	$200	$200
Pledges & Grants Receivable	$46,980	$47,825	$845
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)	$74,416	$62,057	($12,359)
Other	$3,397	$5,225	$1,828
Total Assets	$214,135	$437,975	$223,840

Liabilities	Nov 01, 2012	Oct 31, 2013	Change
Accounts Payable	$12,879	$0	($12,879)
Grants Payable	$0	$0	$0
Deferred Revenue	$0	$0	$0
Loans and Notes	$0	$4,351	$4,351
Tax-Exempt Bond Liabilities	$0	$0	$0
Other	$12,911	$8,436	($4,475)
Total Liabilities	$25,790	$12,787	($13,003)

LUBBOCK RAPE CRISIS CENTER INC

Financial trends analysis Glossary & formula definitions

Fiscal Year: Nov 01 - Oct 31

SOURCE: IRS Form 990

This snapshot of LUBBOCK RAPE CRISIS CENTER 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: Nov 01 - Oct 31 View full report Download data

Business model indicators

Profitability	2016	2017	2018	2019	2020
Unrestricted surplus (deficit) before depreciation	$16,182	$26,788	$40,701	$19,463	$48,724
As % of expenses	3.1%	4.7%	5.4%	2.4%	5.1%
Unrestricted surplus (deficit) after depreciation	$3,745	$18,583	$34,955	$14,649	$45,361
As % of expenses	0.7%	3.2%	4.6%	1.8%	4.7%

Revenue composition
Total revenue (unrestricted & restricted)	$510,351	$579,026	$817,820	$797,278	$997,599
Total revenue, % change over prior year	5.5%	13.5%	41.2%	-2.5%	25.1%
Program services revenue	0.9%	0.7%	0.5%	0.5%	0.0%
Membership dues	0.0%	0.0%	0.0%	0.0%	0.0%
Investment income	0.2%	0.3%	0.2%	0.2%	0.2%
Government grants	61.6%	64.5%	69.7%	68.5%	76.6%
All other grants and contributions	35.5%	33.4%	29.6%	30.8%	23.2%
Other revenue	1.8%	1.1%	0.0%	0.0%	0.0%

Expense composition
Total expenses before depreciation	$514,439	$566,221	$756,013	$799,175	$959,563
Total expenses, % change over prior year	10.6%	10.1%	33.5%	5.7%	20.1%
Personnel	87.4%	84.6%	84.0%	80.6%	80.1%
Professional fees	0.8%	0.7%	2.0%	0.3%	1.2%
Occupancy	2.5%	2.2%	2.5%	7.2%	8.4%
Interest	0.0%	0.0%	0.0%	0.0%	0.0%
Pass-through	0.0%	0.0%	0.0%	0.0%	0.2%
All other expenses	9.3%	12.5%	11.4%	11.9%	10.1%

Full cost components (estimated)	2016	2017	2018	2019	2020
Total expenses (after depreciation)	$526,876	$574,426	$761,759	$803,989	$962,926
One month of savings	$42,870	$47,185	$63,001	$66,598	$79,964
Debt principal payment	$483	$0	$0	$0	$0
Fixed asset additions	$0	$0	$0	$0	$0
Total full costs (estimated)	$570,229	$621,611	$824,760	$870,587	$1,042,890

Capital structure indicators

Liquidity	2016	2017	2018	2019	2020
Months of cash	6.8	6.0	4.7	4.3	3.9
Months of cash and investments	6.8	6.0	4.7	4.3	3.9
Months of estimated liquid unrestricted net assets	4.0	4.1	3.7	3.8	3.8

Balance sheet composition	2016	2017	2018	2019	2020
Cash	$290,741	$281,661	$298,920	$286,607	$308,949
Investments	$0	$0	$0	$0	$0
Receivables	$48,055	$68,860	$108,863	$116,180	$125,697
Gross land, buildings, equipment (LBE)	$150,212	$153,706	$153,706	$151,565	$136,549
Accumulated depreciation (as a % of LBE)	66.3%	70.1%	73.8%	76.7%	76.6%
Liabilities (as a % of assets)	3.4%	4.0%	3.8%	3.3%	4.2%
Unrestricted net assets	$220,682	$239,265	$274,220	$288,869	$334,230
Temporarily restricted net assets	$155,379	$141,396	$162,502	$141,142	N/A
Permanently restricted net assets	$0	$0	$0	$0	N/A
Total restricted net assets	$155,379	$141,396	$162,502	$141,142	$130,454
Total net assets	$376,061	$380,661	$436,722	$430,011	$464,684

Key data checks

Key data checks	2016	2017	2018	2019	2020
Material data errors	No	No	No	No	No

Operations

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

Documents

Letter of Determination

Form 1023/1024 is not available for this organization

Executive Director

Kristin Murray

LinkedIn profile

Kristin Murray is the Executive Director for Voice of Hope Rape Crisis Center in Lubbock. Murray has more than 16 years of experience in leadership, sales, marketing and accounting roles. A graduate of Artesia High School in Murray moved to Lubbock to attend Texas Tech University. After graduating with a Bachelor of Science in Psychology and a minor in Business Management, Murray decided to stay in Lubbock. Murray began volunteering with the Lubbock Rape Crisis Center in 2003 and has served in a variety of roles before joining the staff in 2018. A distinguished volunteer, Murray was awarded the Young Adult Volunteer of the Year in 2018, Top 20 Under 40 by the Lubbock Chamber of Commerce in 2016, and is a 2019 graduate of Leadership Lubbock.

Number of employees

Source: IRS Form 990

LUBBOCK RAPE CRISIS CENTER 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

There are no highest paid employees recorded for this organization.

LUBBOCK RAPE CRISIS CENTER INC

Board of directors
as of 05/05/2022

SOURCE: Self-reported by organization

Board of directors data

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

Board chair

Tammy Williams

UMC

Term: 2019 - 2022

Organizational demographics

SOURCE: Self-reported; last updated 2/2/2022

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

Female, Not transgender (cisgender)

Sexual orientation

Heterosexual or straight

Disability status

Person without a disability

Race & ethnicity

No data

Gender identity

No data

Sexual orientation

No data

Disability

No data

LUBBOCK RAPE CRISIS CENTER INC

AlwaysHereAlwaysHope

Mission

Is this your nonprofit?

Programs and results

What we aim to solve

This profile needs more info.

Our programs

Sexual Assault Accompaniment

Where we work

Our Sustainable Development Goals

Financials

Revenue vs. expenses: breakdown

Liquidity in 2020 info

15.12

Months of cash in 2020 info

3.9

Fringe rate in 2020 info

25%

Funding sources info

Assets & liabilities info

Financial data

Digitizing IRS form 990 data

LUBBOCK RAPE CRISIS CENTER INC

LUBBOCK RAPE CRISIS CENTER INC

LUBBOCK RAPE CRISIS CENTER INC

Business model indicators

Capital structure indicators

Key data checks

Operations

Documents

Executive Director

Kristin Murray

Number of employees

LUBBOCK RAPE CRISIS CENTER INC

Compensation data

LUBBOCK RAPE CRISIS CENTER INC

Board of directors data

Tammy Williams

Organizational demographics

Leadership

Race & ethnicity

Gender identity

Sexual orientation

Disability

Liquidity in 2020

Months of cash in 2020

Fringe rate in 2020

Funding sources

Assets & liabilities