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Credit Unions Chartered In The State Of Michigan

96 Dfcu Financial
  • Dearborn, MI
  • Tax-exempt since Oct. 1956
  • EIN: 38-1350130

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Details

According to its Dec. 2022 tax filing, this nonprofit:

Reported conflict of interest transactions
Organizations must report loans, grants or business transactions with interested parties, which may include key employees and officers, their family members and any businesses in which they hold a controlling interest. These transactions must be reported on Schedule L.

Summary charts: organization finances over time

Revenue
$180M (2022)

Expenses
$131M (2022)

Total Assets
$6B (2022)

Total Liabilities
$5.77B (2022)

Source: Form 990 tax filings from 2011 to 2022

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$179,964,241
Expenses
$130,926,227
Net Income
$49,038,014
Net Assets
$233,129,509
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $93,648,334
52.0%
Investment Income $86,334,635
48.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$18,728
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $10,028,219
7.7%
Professional Fundraising Fees $0
Other Salaries and Wages $31,886,671
24.4%
Assets/Debt
Total Assets $6,001,741,823
Total Liabilities $5,768,612,314
Net Assets $233,129,509
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Mark Shobe (Ceo Former) $4,154,195 $0 $0
Brad Sova (Financial Consultant) $1,386,634 $0 $0
Ryan Goldberg (Ceo) $736,826 $0 $0
John Friday (Financial Consultant) $596,347 $0 $0
Vince Pittiglio (Chief Technology Officer) $472,461 $0 $0
Keri Boyd (Chief Financial Service Officer) $469,753 $0 $0
John Chapel Pearch (Cfo) $467,418 $0 $0
Patrick Maher (President Dfcu Financial Patrners) $467,280 $0 $0
Doug Cooper (Chief Lending Officer) $465,618 $0 $0
Brian Mell (Financial Consultant) $442,510 $0 $0
Scott Vermillion (Investment Consultant) $369,175 $0 $0
James Cowper (Board Member Chairperson) $0 $0 $0
Matt Elsey (Board Treasurer) $0 $0 $0
Keith Moss (Board Member Vice Chair) $0 $0 $0
Donald Tomford (Board Secretary) $0 $0 $0
Shirley Ghannam (Board Member) $0 $0 $0
Margaret Dimond (Board Member) $0 $0 $0
Annetta May (Board Member) $0 $0 $0
John Sinelli (Board Member) $0 $0 $0
James Bazner (Board Member) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 9, 2023

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$181,284,426
Expenses
$116,707,976
Net Income
$64,576,450
Net Assets
$741,935,472
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $102,729,933
56.7%
Investment Income $73,146,819
40.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $5,407,674
3.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $7,963,648
6.8%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $6,455,380,939
Total Liabilities $5,713,445,467
Net Assets $741,935,472
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Mark Shobe (Ceo) $2,813,709 $0 $572,722
Bradley Sova (Investment Consultant) $1,407,045 $0 $0
John Friday (Investment Consultant) $673,747 $0 $0
Brian Mell (Investment Consultant) $510,852 $0 $0
Keri Boyd (Executive Vp Retail Financial Services) $478,997 $0 $0
Vince Pittiglio (Cio) $475,116 $0 $0
Doug Cooper (Clo) $469,752 $0 $0
Louis Petrucco (Investment Consultant) $381,918 $0 $0
Wendy Hewitt Trepanier (Mortgage Consultant) $380,789 $0 $0
John Chapel Pearch (Cfo) $371,723 $0 $0
James Cowper (Board Member Chairperson) $0 $0 $0
Keith Moss (Board Member Vice Chairperson) $0 $0 $0
Ryan Bewersdorf (Board Member) $0 $0 $0
Matt Elsey (Board Treasurer) $0 $0 $0
John Sinelli (Board Member) $0 $0 $0
Donald Tomford (Board Secretary) $0 $0 $0
Shirley Ghannam (Board Member) $0 $0 $0
Margaret Dimond (Board Member) $0 $0 $0
Annetta May (Board Member) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 14, 2022

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$179,910,846
Expenses
$124,306,089
Net Income
$55,604,757
Net Assets
$808,521,548
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $97,905,381
54.4%
Investment Income $82,005,465
45.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $4,323,688
3.5%
Professional Fundraising Fees $0
Other Salaries and Wages $32,890,014
26.5%
Assets/Debt
Total Assets $5,816,690,338
Total Liabilities $5,008,168,790
Net Assets $808,521,548
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Mark Shobe (Ceo) $2,467,422 $0 $574,637
Vince Pittiglio (Cio) $428,892 $0 $0
Keri Boyd (Executive Vp Retail Financial Services) $428,727 $0 $0
Phil Kapanowski (Director Commercial Loans) $308,774 $0 $0
Doug Cooper (Clo) $297,682 $0 $0
Mark Solarz (Treasurer) $249,157 $0 $0
John Chapel Pearch (Cfo) $88,662 $0 $0
John Skibski (Cfo) $54,372 $0 $0
James Cowper (Board Member Chairperson) $0 $0 $0
Keith Moss (Board Member Vice Chairperson) $0 $0 $0
Ryan Bewersdorf (Board Member) $0 $0 $0
Matt Elsey (Board Treasurer) $0 $0 $0
John Sinelli (Board Member) $0 $0 $0
Donald Tomford (Board Member) $0 $0 $0
Shirley Ghannam (Board Member) $0 $0 $0
Margaret Dimond (Board Member) $0 $0 $0
Annetta May (Board Member) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 9, 2021

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$179,907,993
Expenses
$125,126,049
Net Income
$54,781,944
Net Assets
$660,317,938
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $102,021,680
56.7%
Investment Income $77,886,313
43.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $4,281,772
3.4%
Professional Fundraising Fees $0
Other Salaries and Wages $30,481,269
24.4%
Assets/Debt
Total Assets $4,902,627,772
Total Liabilities $4,242,309,834
Net Assets $660,317,938
Compensation
Key Employees and Officers Compensation Related Other
Mark Shobe (Ceo) $2,160,007 $0 $716,697
Mike Kruczek (Cao) $518,699 $0 $0
Vince Pittiglio (Cio) $408,874 $0 $0
Keri Boyd (Executive Vp Retail Financial Services) $408,414 $0 $0
Brian Ludtke (Cfo) $354,778 $0 $0
Mark Solarz (Treasurer) $225,520 $0 $0
Christine Booher (Svp Human Resources) $188,441 $0 $0
John Skibski (Cfo) $17,039 $0 $0
James Cowper (Board Member Chairperson) $0 $0 $0
Keith Moss (Board Member Vice Chairperson) $0 $0 $0
Ryan Bewersdorf (Board Member) $0 $0 $0
Matt Elsey (Board Treasurer) $0 $0 $0
John Sinelli (Board Member) $0 $0 $0
Donald Tomford (Board Member) $0 $0 $0
Shirley Ghannam (Board Member) $0 $0 $0
Margaret Dimond (Board Member) $0 $0 $0
Annetta May (Board Member) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 9, 2020

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$163,299,198
Expenses
$117,565,643
Net Income
$45,733,555
Net Assets
$521,425,406
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $96,988,473
59.4%
Investment Income $66,310,725
40.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $4,605,079
3.9%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $4,666,977,816
Total Liabilities $4,145,552,410
Net Assets $521,425,406
Compensation
Key Employees and Officers Compensation Related Other
Mark Shobe (Ceo) $2,674,529 $0 $478,564
Vince Pittiglio (Cio) $389,940 $0 $0
Keri Boyd (Executive Vp Retail Financial Services) $386,895 $0 $0
Mike Kruczek (Cao) $386,174 $0 $0
Brian Ludtke (Clo) $382,387 $0 $0
Mark Solarz (Cfo) $202,980 $0 $0
Martha Peters (Sr Vp Financial Service Operations) $182,174 $0 $0
James Cowper (Board Member Chairperson) $0 $0 $0
Paul Conway (Board Member Vice Chairperson) $0 $0 $0
Ryan Bewersdorf (Board Member) $0 $0 $0
Matt Elsey (Board Member) $0 $0 $0
Keith Moss (Board Member Treasurer) $0 $0 $0
John Sinelli (Board Member) $0 $0 $0
Laura Terzes (Board Member Secretary) $0 $0 $0
Donald Tomford (Board Member) $0 $0 $0
Shirley Ghannam (Board Member) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 8, 2019

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$149,893,841
Expenses
$110,116,307
Net Income
$39,777,534
Net Assets
$484,449,351
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $94,025,665
62.7%
Investment Income $53,593,453
35.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,274,723
1.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $3,658,139
3.3%
Professional Fundraising Fees $0
Other Salaries and Wages $28,394,589
25.8%
Assets/Debt
Total Assets $4,627,489,950
Total Liabilities $4,143,040,599
Net Assets $484,449,351
Compensation
Key Employees and Officers Compensation Related Other
Mark Shobe (Ceo) $1,743,501 $0 $427,351
Vince Pittiglio (Cio) $378,580 $0 $0
Mike Kruczek (Clo) $368,567 $0 $0
Keri Boyd (Executive Vp Retail Financial Services) $364,960 $0 $0
Brian Ludtke (Cfo) $290,229 $0 $0
Mark Solarz (Treasurer) $196,181 $0 $0
Martha Peters (Sr Vp Financial Service Operations) $177,568 $0 $0
Lesli Matukaitis (Svp Corporate Banking) $138,553 $0 $0
Robert Chapman (Board Member Chairperson) $0 $0 $0
Paul Conway (Board Member Vice Chairperson) $0 $0 $0
Ryan Bewersdorf (Board Member) $0 $0 $0
James Cowper (Board Member Treasurer) $0 $0 $0
Matt Elsey (Board Member) $0 $0 $0
Keith Moss (Board Member) $0 $0 $0
John Sinelli (Board Member) $0 $0 $0
Laura Terzes (Board Member Secretary) $0 $0 $0
Donald Tomford (Board Member) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 5, 2018

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$134,385,499
Expenses
$102,977,242
Net Income
$31,408,257
Net Assets
$464,575,967
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $86,321,876
64.2%
Investment Income $43,366,677
32.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $4,696,946
3.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $29,754,732
28.9%
Assets/Debt
Total Assets $4,361,805,933
Total Liabilities $3,897,229,966
Net Assets $464,575,967
Compensation
Key Employees and Officers Compensation Related Other
See Sch J Part Iii Employee List (Required Employees (Detail Available Upon Request)) $4,648,874 $0 $974,424
See Sch J Part Iii Directors List (Directors (Detail Available Upon Request)) $0 $0 $0

Document Links

990
Filed on Nov. 13, 2017

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML
PDF (2 of 2)

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$126,837,999
Expenses
$98,523,921
Net Income
$28,314,078
Net Assets
$444,282,802
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $84,166,989
66.4%
Investment Income $37,911,950
29.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $4,759,060
3.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $3,285,071
3.3%
Professional Fundraising Fees $0
Other Salaries and Wages $24,989,018
25.4%
Assets/Debt
Total Assets $4,020,597,185
Total Liabilities $3,576,314,383
Net Assets $444,282,802
Compensation
Key Employees and Officers Compensation Related Other
See Sch J Part Iii Employee List (Required Employees (Detail Available Upon Request)) $3,285,071 $0 $714,657
See Sch J Part Iii Directors List (Directors (Detail Available Upon Request)) $0 $0 $0

Document Links

990
Filed on July 25, 2016

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML
PDF (2 of 2)

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$127,558,320
Expenses
$98,161,836
Net Income
$29,396,484
Net Assets
$426,328,061
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $86,881,677
68.1%
Investment Income $36,921,435
28.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $3,755,208
2.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $9,068,821
9.2%
Professional Fundraising Fees $0
Other Salaries and Wages $22,496,451
22.9%
Assets/Debt
Total Assets $3,743,065,590
Total Liabilities $3,316,737,529
Net Assets $426,328,061
Compensation
Key Employees and Officers Compensation Related Other
See Sch J Part Iii Employee List (Required Employees (Detail Available Upon Request)) $9,068,821 $0 $451,434
See Sch J Part Iii Directors List (Directors (Detail Available Upon Request)) $0 $0 $0

Document Links

990
Filed on Nov. 9, 2015

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$125,668,844
Expenses
$93,039,693
Net Income
$32,629,151
Net Assets
$382,644,600
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $90,227,005
71.8%
Investment Income $33,440,763
26.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,001,076
1.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $2,348,361
2.5%
Professional Fundraising Fees $0
Other Salaries and Wages $23,421,051
25.2%
Assets/Debt
Total Assets $3,537,534,582
Total Liabilities $3,154,889,982
Net Assets $382,644,600
Compensation
Key Employees and Officers Compensation Related Other
See Sch J Part Iii Employee List (Required Employees (Detail Available Upon Request)) $2,348,361 $0 $0
See Sch J Part Iii Directors List (Directors (Detail Available Upon Request)) $0 $0 $0

Document Links

990
Filed on July 24, 2014

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$125,381,282
Expenses
$97,977,732
Net Income
$27,403,550
Net Assets
$400,919,901
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $92,185,240
73.5%
Investment Income $29,334,714
23.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $3,861,328
3.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $2,342,989
2.4%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $3,363,872,621
Total Liabilities $2,962,952,720
Net Assets $400,919,901

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$131,524,106
Expenses
$111,083,021
Net Income
$20,441,085
Net Assets
$378,553,453
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $99,119,403
75.4%
Investment Income $32,250,598
24.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $27,397
0.0%
Net Inventory Sales $0
Other Revenue $126,708
0.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $2,380,734
2.1%
Professional Fundraising Fees $0
Other Salaries and Wages $21,173,138
19.1%
Assets/Debt
Total Assets $3,073,083,582
Total Liabilities $2,694,530,129
Net Assets $378,553,453

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2006

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

API

The data powering this website is available programmatically, via an API. Read the API documentation »

Byline

By Andrea Suozzo, Alec Glassford and Ash Ngu, ProPublica, and Brandon Roberts, Special to ProPublica.
Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

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