{"success":true,"data":{"_id":230338105,"filings":[{"Organization":{"value":null,"Person":["WILLIAM AYERS","GARY FEDORCHA","EUGENIA EMERT","ROBERT BOLD","DANIEL JOSEPH","GARY PHILLIPS","CARMEN RIOLA","DANIEL WEAVER","RYAN VAN NORMAN","ROSEMARIE E KRANTZ","RONALD W HOUCK"],"Title":["BOARD CHAIRP","BOARD VICE C","SECRETARY/TR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CFO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[1000,750,550,500,500,500,500,500,500,157865,135595],"Direct compensation":[1000,750,550,500,500,500,500,500,500,106894,102801],"Other compensation":[0,0,0,0,0,0,0,0,0,50971,32794]},"Basic":{"value":null,"mission":"The lehigh valley educators credit union, a not for profit financial service organization, provides quality financial services of exceptional value to each member while maintaining a sound business structure.","year":2016,"name":"LEHIGH VALLEY EDUCATORS CREDIT UNION","phone":6108200145,"website":"WWW.LVECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ROSEMARIE E KRANTZ","year_formation":1934,"state_legal_domicile":"PA","total_volunteers":null,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"3720 HAMILTON BLVD, ALLENTOWN, PA, 18103, USA","city":"ALLENTOWN","state":"PA","country":"USA","zip_code":18103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":29,"Total Gross UBI":3212,"Net unrelated business taxable income":null,"Number of employees":29,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":8456325,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":5353173,"Total revenue":{"value":5353173,"LOAN INTEREST INCOME":4213785,"PLASTIC CARD INCOME":863861,"FEE INCOME":272315,"NON-MEMBER ATM INCOME":3212},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3100852,"Investment income total":3054430,"Net investment gain":46422,"Income from invest bond proceeds":0},"Other revenues":{"value":2300,"Other total":2300,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":6401640,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2030807,"Current officers":298760,"Disqualified persons":0,"Other salaries and wages":1040866,"Pension plan contributions":192986,"Other employee benefits":394219,"Payroll taxes":103976},"Other expenses":{"value":4370833,"Management services":0,"Legal":54761,"Accounting":24571,"Lobbying services":0,"Investment management fees":0,"Other services":79573,"Advertising":238599,"Office expenses":826738,"Information technology":654654,"Royalties":0,"Occupancy":248767,"Travel":1722,"Conferences and meetings":19061,"Interest":976830,"Payments to affiliates":0,"Depreciation and depletion":210458,"Insurance":70556,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":964543,"LENDING EXPENSES":581705,"PROVISION FOR LOAN LOSS":273503,"OTHER":109335},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":312575571,"Non-interest bearing cash":743104,"Savings and temp cash investments":24664038,"Pledges and grants receivable":0,"Accounts receivable":759266,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":89821281,"Inventories for sale or use":0,"Prepaid expenses deferred charges":331785,"Land, building, equipment":6086606,"Investments publicly traded":179758433,"Investments other":7612257,"Investments program related":0,"Intangible assets":0,"Other assets":2798801},"Liabilities":{"value":263067463,"Sum of Total Liabilities":0,"Accounts payable, accrued":1173724,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":261893739},"Fund balance":{"value":49508108,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.24297611551117063,"percentile":0.7952482728134447},"Liabilities to Assets Ratio":{"score":0.8416123568402599,"percentile":0.07334350158054383},"Operating Reserve Ratio":{"score":48.82742094213358,"percentile":0.9804810136251962},"Officer Compensation Ratio":{"score":0.04666929099418274,"percentile":0.7732799295938018},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0208416542294426,"percentile":0.46898232877015306},"Asset Growth":{"score":0.024742570500125967,"percentile":0.42390029008976327},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6242764454297609,"percentile":0.6745535291996633}},"source_xml":"201733149349300703_public.xml"},{"Organization":{"value":null,"Person":["WILLIAM AYERS","GARY FEDORCHA","EUGENIA EMERT","ROBERT BOLD","GARY PHILLIPS","CARMEN RIOLA","DANIEL JOSEPH","ROBERT MAZA","DANIEL WEAVER","ROSEMARIE E KRANTZ","RONALD W HOUCK"],"Title":["PRESIDENT","VICE PRESIDE","SECRETARY/TR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CFO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[1000,750,550,500,500,500,500,500,500,134559,157533],"Direct compensation":[1000,750,550,500,500,500,500,500,500,102047,93943],"Other compensation":[0,0,0,0,0,0,0,0,0,32512,63590]},"Basic":{"value":null,"mission":"The lehigh valley educators credit union, a not for profit financial service organization, provides quality financial services of exceptional value to each member while maintaining a sound business structure.","year":2014,"name":"LEHIGH VALLEY EDUCATORS CREDIT UNION","phone":6108200145,"website":"WWW.LVECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ROSEMARIE E KRANTZ","year_formation":1934,"state_legal_domicile":"PA","total_volunteers":12,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"3720 HAMILTON BLVD, ALLENTOWN, PA, 18103, USA","city":"ALLENTOWN","state":"PA","country":"USA","zip_code":18103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":29,"Total Gross UBI":3370,"Net unrelated business taxable income":null,"Number of employees":29,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":7887540,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":5088193,"Total revenue":{"value":5088193,"LOAN INTEREST INCOME":4054885,"PLASTIC CARD INCOME":824076,"FEE INCOME":205862,"NON-MEMBER ATM INCOME":3370},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2793401,"Investment income total":2687145,"Net investment gain":106256,"Income from invest bond proceeds":0},"Other revenues":{"value":5946,"Other total":5946,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":6184136,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1825279,"Current officers":297392,"Disqualified persons":0,"Other salaries and wages":942814,"Pension plan contributions":119366,"Other employee benefits":365405,"Payroll taxes":100302},"Other expenses":{"value":4358857,"Management services":0,"Legal":62091,"Accounting":22300,"Lobbying services":0,"Investment management fees":0,"Other services":96432,"Advertising":280091,"Office expenses":709284,"Information technology":306062,"Royalties":0,"Occupancy":253742,"Travel":2459,"Conferences and meetings":36730,"Interest":1056906,"Payments to affiliates":0,"Depreciation and depletion":217741,"Insurance":76295,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1238724,"LENDING EXPENSES":705924,"PROVISION FOR LOAN LOSS":452024,"OTHER":79911,"OTHER EXPENSES":865},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":294982131,"Non-interest bearing cash":887725,"Savings and temp cash investments":19043954,"Pledges and grants receivable":0,"Accounts receivable":754606,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":85478049,"Inventories for sale or use":0,"Prepaid expenses deferred charges":162500,"Land, building, equipment":5679895,"Investments publicly traded":174785881,"Investments other":5739257,"Investments program related":0,"Intangible assets":0,"Other assets":2450264},"Liabilities":{"value":246503839,"Sum of Total Liabilities":0,"Accounts payable, accrued":727023,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":245776816},"Fund balance":{"value":48478292,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.21596137705799273,"percentile":0.7717547856707153},"Liabilities to Assets Ratio":{"score":0.8356568520416581,"percentile":0.07415241391402956},"Operating Reserve Ratio":{"score":47.69981303774691,"percentile":0.9800570261176709},"Officer Compensation Ratio":{"score":0.04808949867855429,"percentile":0.766224169701599},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6520149115119207,"percentile":0.7465520141157187}},"source_xml":"201512299349302386_public.xml"},{"Organization":{"value":null,"Person":["WILLIAM AYERS","GARY FEDORCHA","EUGENIA EMERT","JILLIAN EMERT","DANIEL JOSEPH","SHERRI MOLITORIS","DENNIS NEMES - ENDING 9152024","RYAN VAN NORMAN","GARY PHILLIPS","DANIEL WEAVER - ENDING 12312024","BARBARA NEMES - BEGINNING 11252024","ROSEMARIE E KRANTZ","ANN HOFF","MARIE A RHODA"],"Title":["BOARD CHAIRPERSON","BOARD VICE CHAIR","SECRETARY/TREASURER","MEMBERSHIP OFFICER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CFO","CLO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[2000,1500,1500,500,750,750,750,750,750,750,0,382961,176103,215298],"Direct compensation":[2000,1500,1500,500,750,750,750,750,750,750,0,207377,113468,135866],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,175584,62635,79432]},"Basic":{"value":null,"mission":"Maintain financial soundness while empowering members to work toward financial success","year":2024,"name":"LEHIGH VALLEY EDUCATORS CREDIT UNION","phone":6108200145,"website":"WWW.LVECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ROSEMARIE KRANTZ","year_formation":1934,"state_legal_domicile":"PA","total_volunteers":10,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"3720 HAMILTON BLVD, ALLENTOWN, PA, 18103, USA","city":"ALLENTOWN","state":"PA","country":"USA","zip_code":18103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":31,"Total Gross UBI":1866,"Net unrelated business taxable income":0,"Number of employees":31,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":18987821,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":8963890,"Total revenue":{"value":8963890,"LOAN INTEREST INCOME":7302848,"PLASTIC CARD INCOME":1273480,"FEE INCOME":385696,"NON MEMBER ATM INCOME":1866},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9975125,"Investment income total":9945384,"Net investment gain":29741,"Income from invest bond proceeds":0},"Other revenues":{"value":48806,"Other total":48806,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":15962660,"Grant expense":{"value":90000,"Grants to domestic orgs":90000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2659402,"Current officers":801597,"Disqualified persons":0,"Other salaries and wages":1417597,"Pension plan contributions":-108860,"Other employee benefits":410937,"Payroll taxes":138131},"Other expenses":{"value":13213258,"Management services":0,"Legal":44672,"Accounting":2548,"Lobbying services":0,"Investment management fees":0,"Other services":238187,"Advertising":324160,"Office expenses":1169116,"Information technology":945278,"Royalties":0,"Occupancy":416979,"Travel":2292,"Conferences and meetings":27961,"Interest":7762092,"Payments to affiliates":0,"Depreciation and depletion":252742,"Insurance":85430,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1941801,"LENDING EXPENSES":1264764,"PROVISION FOR LOAN LOSS":568790,"OTHER":108247},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":437645185,"Non-interest bearing cash":1172950,"Savings and temp cash investments":51393673,"Pledges and grants receivable":0,"Accounts receivable":1631839,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":116863217,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1288576,"Land, building, equipment":4302198,"Investments publicly traded":255482366,"Investments other":210700,"Investments program related":0,"Intangible assets":0,"Other assets":5299666},"Liabilities":{"value":385983071,"Sum of Total Liabilities":0,"Accounts payable, accrued":526637,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":385456434},"Fund balance":{"value":51662114,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.1593211248410231,"percentile":0.7105630916552723},"Liabilities to Assets Ratio":{"score":0.8819543416203699,"percentile":0.06757234531728044},"Operating Reserve Ratio":{"score":27.416808038259287,"percentile":0.9633054777447987},"Officer Compensation Ratio":{"score":0.04913729917194252,"percentile":0.7610750815487997},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06883525713875761,"percentile":0.6775668973873771},"Asset Growth":{"score":0.03969180617908986,"percentile":0.4860294597971811},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6309425326692483,"percentile":0.6926389438569006}},"source_xml":"202523179349300702_public.xml"},{"Organization":{"value":null,"Person":["WILLIAM AYERS","GARY FEDORCHA","EUGENIA EMERT","JILLIAN EMERT","DANIEL JOSEPH","SHERRI MOLITORIS","DENNIS NEMES","RYAN VAN NORMAN","GARY PHILLIPS","DANIEL WEAVER","ROSEMARIE E KRANTZ","ANN HOFF","MARIE A RHODA","RONALD HOUCK"],"Title":["BOARD CHAIRPERSON","BOARD VICE CHAIR","SECRETARY/TREASURER","MEMBERSHIP OFFICER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CFO - BEGAN 5/21/2022","CLO","CFO - ENDING 2/18/2022"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0],"Total Compensation":[1000,750,750,350,600,600,600,600,600,600,293461,162140,158858,54200],"Direct compensation":[1000,750,750,350,600,600,600,600,600,600,171692,98835,109973,54200],"Other compensation":[0,0,0,0,0,0,0,0,0,0,121769,63305,48885,0]},"Basic":{"value":null,"mission":"Maintain financial soundness while empowering members to work toward financial success","year":2022,"name":"LEHIGH VALLEY EDUCATORS CREDIT UNION","phone":6108200145,"website":"WWW.LVECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ROSEMARIE KRANTZ","year_formation":1934,"state_legal_domicile":"PA","total_volunteers":10,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"3720 HAMILTON BLVD, ALLENTOWN, PA, 18103, USA","city":"ALLENTOWN","state":"PA","country":"USA","zip_code":18103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":35,"Total Gross UBI":1962,"Net unrelated business taxable income":0,"Number of employees":35,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":11017714,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":6489861,"Total revenue":{"value":6489861,"LOAN INTEREST INCOME":4780858,"PLASTIC CARD INCOME":1233713,"FEE INCOME":473328,"NON MEMBER ATM INCOME":1962},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":4394816,"Investment income total":4621193,"Net investment gain":-226377,"Income from invest bond proceeds":0},"Other revenues":{"value":133037,"Other total":133037,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":7914560,"Grant expense":{"value":95200,"Grants to domestic orgs":95200,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2311280,"Current officers":673383,"Disqualified persons":0,"Other salaries and wages":1161965,"Pension plan contributions":0,"Other employee benefits":362126,"Payroll taxes":113806},"Other expenses":{"value":5508080,"Management services":0,"Legal":17557,"Accounting":34363,"Lobbying services":0,"Investment management fees":0,"Other services":219673,"Advertising":138414,"Office expenses":1013444,"Information technology":608451,"Royalties":0,"Occupancy":346365,"Travel":7,"Conferences and meetings":23493,"Interest":1398339,"Payments to affiliates":0,"Depreciation and depletion":358733,"Insurance":72805,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1276436,"LENDING EXPENSES":909040,"PROVISION FOR LOAN LOSS":266842,"OTHER":100554},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":400823762,"Non-interest bearing cash":871950,"Savings and temp cash investments":18917005,"Pledges and grants receivable":0,"Accounts receivable":1126575,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":111005867,"Inventories for sale or use":0,"Prepaid expenses deferred charges":263760,"Land, building, equipment":4764938,"Investments publicly traded":258739952,"Investments other":235400,"Investments program related":0,"Intangible assets":0,"Other assets":4898315},"Liabilities":{"value":361411200,"Sum of Total Liabilities":0,"Accounts payable, accrued":274090,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":361137110},"Fund balance":{"value":39412562,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.28165134800195396,"percentile":0.8235837314811097},"Liabilities to Assets Ratio":{"score":0.9016710940405773,"percentile":0.06439589468285065},"Operating Reserve Ratio":{"score":50.643846530950555,"percentile":0.9811495315827243},"Officer Compensation Ratio":{"score":0.08529962499494602,"percentile":0.6040339977543862},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.045199608090132556,"percentile":0.5857699551297073},"Asset Growth":{"score":0.03584767765069282,"percentile":0.47025745851985534},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6330701157940605,"percentile":0.6983915032108541}},"source_xml":"202303189349311340_public.xml"},{"Organization":{"value":null,"Person":["WILLIAM AYERS","GARY FEDORCHA","EUGENIA EMERT","ROBERT BOLD","DANIEL JOSEPH","GARY PHILLIPS","CARMEN RIOLA","DANIEL WEAVER","RYAN VAN NORMAN","JILLIAN EMERT","ROSEMARIE E KRANTZ","RONALD W HOUCK","MARIE A RHODA"],"Title":["BOARD CHAIRP","BOARD VICE C","SECRETARY/TR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","MEMBERSHIP O","CEO","CFO","CLO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[1000,750,550,500,500,500,500,500,500,250,172234,134736,126212],"Direct compensation":[1000,750,550,500,500,500,500,500,500,250,119797,104382,85868],"Other compensation":[0,0,0,0,0,0,0,0,0,0,52437,30354,40344]},"Basic":{"value":null,"mission":"We will grow our credit union through long-term member relationships and partner with our members to meet their expectations. we will maintain a solid financial foundation which benefits our members and employees. we will promote a culture where each employee demonstrates a passion for excellence.","year":2017,"name":"LEHIGH VALLEY EDUCATORS CREDIT UNION","phone":6108200145,"website":"WWW.LVECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ROSEMARIE E KRANTZ","year_formation":1934,"state_legal_domicile":"PA","total_volunteers":null,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"3720 HAMILTON BLVD, ALLENTOWN, PA, 18103, USA","city":"ALLENTOWN","state":"PA","country":"USA","zip_code":18103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":33,"Total Gross UBI":2860,"Net unrelated business taxable income":null,"Number of employees":33,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":9156917,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":5507221,"Total revenue":{"value":5507221,"LOAN INTEREST INCOME":4320520,"PLASTIC CARD INCOME":892123,"FEE INCOME":291718,"NON-MEMBER ATM INCOME":2860},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3648656,"Investment income total":3625706,"Net investment gain":22950,"Income from invest bond proceeds":0},"Other revenues":{"value":1040,"Other total":1040,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":7080322,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2180320,"Current officers":438732,"Disqualified persons":0,"Other salaries and wages":982854,"Pension plan contributions":235753,"Other employee benefits":425645,"Payroll taxes":97336},"Other expenses":{"value":4900002,"Management services":0,"Legal":14983,"Accounting":28133,"Lobbying services":0,"Investment management fees":0,"Other services":170784,"Advertising":276408,"Office expenses":763577,"Information technology":630765,"Royalties":0,"Occupancy":263440,"Travel":1906,"Conferences and meetings":16017,"Interest":1480428,"Payments to affiliates":0,"Depreciation and depletion":305556,"Insurance":66459,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":881546,"LENDING EXPENSES":568722,"PROVISION FOR LOAN LOSS":192578,"OTHER":120246},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":312635473,"Non-interest bearing cash":501591,"Savings and temp cash investments":14127192,"Pledges and grants receivable":0,"Accounts receivable":916179,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":90269097,"Inventories for sale or use":0,"Prepaid expenses deferred charges":353813,"Land, building, equipment":6334314,"Investments publicly traded":189831923,"Investments other":7408357,"Investments program related":0,"Intangible assets":0,"Other assets":2893007},"Liabilities":{"value":261521312,"Sum of Total Liabilities":0,"Accounts payable, accrued":1428756,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":260092556},"Fund balance":{"value":51114161,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.22677883833609064,"percentile":0.7815528588684933},"Liabilities to Assets Ratio":{"score":0.836505561862457,"percentile":0.07404016170872438},"Operating Reserve Ratio":{"score":44.15554447947424,"percentile":0.9785106236355049},"Officer Compensation Ratio":{"score":0.06196497842894716,"percentile":0.7003111528087023},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.03625808980270495,"percentile":0.5448110797454877},"Asset Growth":{"score":0.020344483474306084,"percentile":0.40528402414807335},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6234877571258474,"percentile":0.6723758960063659}},"source_xml":"201843169349301389_public.xml"},{"Organization":{"value":null,"Person":["WILLIAM AYERS","GARY FEDORCHA","EUGENIA EMERT","ROBERT BOLD","GARY PHILLIPS","CARMEN RIOLA","DANIEL JOSEPH","ROBERT MAZA","DANIEL WEAVER","ROSEMARIE E KRANTZ","RONALD W HOUCK"],"Title":["PRESIDENT","VICE PRESIDE","SECRETARY/TR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CFO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[1000,750,550,500,500,500,500,500,500,139112,160879],"Direct compensation":[1000,750,550,500,500,500,500,500,500,100542,92398],"Other compensation":[0,0,0,0,0,0,0,0,0,38570,68481]},"Basic":{"value":null,"mission":"The lehigh valley educators credit union, a not for profit financial service organization, provides quality financial services of exceptional value to each member while maintaining a sound business structure.","year":2013,"name":"LEHIGH VALLEY EDUCATORS CREDIT UNION","phone":6108200145,"website":"WWW.LVECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ROSEMARIE E KRANTZ","year_formation":1934,"state_legal_domicile":"PA","total_volunteers":12,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"3720 HAMILTON BLVD, ALLENTOWN, PA, 18103, USA","city":"ALLENTOWN","state":"PA","country":"USA","zip_code":18103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":32,"Total Gross UBI":3328,"Net unrelated business taxable income":-268,"Number of employees":32,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":7938226,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":5198358,"Total revenue":{"value":5198358,"LOAN INTEREST INCOME":4148364,"PLASTIC CARD INCOME":829293,"FEE INCOME":217373,"NON-MEMBER ATM FEES":3328},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2737594,"Investment income total":2685447,"Net investment gain":52147,"Income from invest bond proceeds":0},"Other revenues":{"value":2274,"Other total":2274,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":6262723,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1771093,"Current officers":305291,"Disqualified persons":0,"Other salaries and wages":922417,"Pension plan contributions":84385,"Other employee benefits":359058,"Payroll taxes":99942},"Other expenses":{"value":4491630,"Management services":0,"Legal":30558,"Accounting":26346,"Lobbying services":0,"Investment management fees":0,"Other services":72567,"Advertising":318272,"Office expenses":679825,"Information technology":286873,"Royalties":0,"Occupancy":246080,"Travel":2638,"Conferences and meetings":51457,"Interest":1261690,"Payments to affiliates":0,"Depreciation and depletion":208369,"Insurance":75504,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1231451,"LENDING EXPENSES":578021,"PROVISION FOR LOAN LOSS":338083,"TCCUSF ASSESSMENT":196152,"OTHER":119195},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":290624992,"Non-interest bearing cash":709452,"Savings and temp cash investments":11180579,"Pledges and grants receivable":0,"Accounts receivable":1062093,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":87700005,"Inventories for sale or use":0,"Prepaid expenses deferred charges":202681,"Land, building, equipment":5833651,"Investments publicly traded":146255462,"Investments other":35210457,"Investments program related":0,"Intangible assets":0,"Other assets":2470612},"Liabilities":{"value":243914692,"Sum of Total Liabilities":0,"Accounts payable, accrued":615377,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":243299315},"Fund balance":{"value":46710300,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.21106768691140818,"percentile":0.7671553407100811},"Liabilities to Assets Ratio":{"score":0.8392763826725542,"percentile":0.07365977421738909},"Operating Reserve Ratio":{"score":46.40553190680795,"percentile":0.9795228988620038},"Officer Compensation Ratio":{"score":0.04874732604332013,"percentile":0.7630051959735235},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6506683387087651,"percentile":0.7432852643487509}},"source_xml":"201402259349301975_public.xml"},{"Organization":{"value":null,"Person":["WILLIAM AYERS","GARY FEDORCHA","EUGENIA EMERT","JILLIAN EMERT","DANIEL JOSEPH","SHERRI MOLITORIS","DENNIS NEMES","RYAN VAN NORMAN","GARY PHILLIPS","DANIEL WEAVER","ROSEMARIE E KRANTZ","ANN HOFF","MARIE A RHODA"],"Title":["BOARD CHAIRPERSON","BOARD VICE CHAIR","SECRETARY/TREASURER","MEMBERSHIP OFFICER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CFO","CLO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[1500,1000,750,350,600,600,600,600,600,600,364958,161735,172977],"Direct compensation":[1500,1000,750,350,600,600,600,600,600,600,242598,103879,124075],"Other compensation":[0,0,0,0,0,0,0,0,0,0,122360,57856,48902]},"Basic":{"value":null,"mission":"Maintain financial soundness while empowering members to work toward financial success","year":2023,"name":"LEHIGH VALLEY EDUCATORS CREDIT UNION","phone":6108200145,"website":"WWW.LVECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ROSEMARIE KRANTZ","year_formation":1934,"state_legal_domicile":"PA","total_volunteers":10,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"3720 HAMILTON BLVD, ALLENTOWN, PA, 18103, USA","city":"ALLENTOWN","state":"PA","country":"USA","zip_code":18103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":29,"Total Gross UBI":3063,"Net unrelated business taxable income":0,"Number of employees":29,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":12311883,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":8106213,"Total revenue":{"value":8106213,"LOAN INTEREST INCOME":6299099,"PLASTIC CARD INCOME":1365400,"FEE INCOME":438651,"NON MEMBER ATM INCOME":3063},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":4194253,"Investment income total":7768700,"Net investment gain":-3574447,"Income from invest bond proceeds":0},"Other revenues":{"value":11417,"Other total":11417,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":11587552,"Grant expense":{"value":90000,"Grants to domestic orgs":90000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2731526,"Current officers":724227,"Disqualified persons":0,"Other salaries and wages":1388307,"Pension plan contributions":40826,"Other employee benefits":441289,"Payroll taxes":136877},"Other expenses":{"value":8766026,"Management services":0,"Legal":58770,"Accounting":39673,"Lobbying services":0,"Investment management fees":0,"Other services":216874,"Advertising":222359,"Office expenses":1095815,"Information technology":638825,"Royalties":0,"Occupancy":342598,"Travel":5774,"Conferences and meetings":35121,"Interest":4374785,"Payments to affiliates":0,"Depreciation and depletion":345145,"Insurance":59582,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1330705,"LENDING EXPENSES":941680,"PROVISION FOR LOAN LOSS":241156,"OTHER":147869},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":412042275,"Non-interest bearing cash":950204,"Savings and temp cash investments":39992151,"Pledges and grants receivable":0,"Accounts receivable":1353775,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":116511900,"Inventories for sale or use":0,"Prepaid expenses deferred charges":580405,"Land, building, equipment":4455633,"Investments publicly traded":242816697,"Investments other":217900,"Investments program related":0,"Intangible assets":0,"Other assets":5163610},"Liabilities":{"value":364897568,"Sum of Total Liabilities":0,"Accounts payable, accrued":676703,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":364220865},"Fund balance":{"value":47144707,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.058831861868732835,"percentile":0.5442526401258366},"Liabilities to Assets Ratio":{"score":0.8855828397705066,"percentile":0.06699182935042844},"Operating Reserve Ratio":{"score":35.559044308927376,"percentile":0.9730230369913944},"Officer Compensation Ratio":{"score":0.06100253099187818,"percentile":0.7047164240918523},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.04644027880475759,"percentile":0.5911637971460736},"Asset Growth":{"score":0.03777179740439094,"percentile":0.47823878197624947},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5876807447334651,"percentile":0.5691786009191696}},"source_xml":"202423209349315287_public.xml"},{"Organization":{"value":null,"Person":["WILLIAM AYERS","GARY FEDORCHA","EUGENIA EMERT","ROBERT BOLD","DANIEL JOSEPH","GARY PHILLIPS","CARMEN RIOLA","DANIEL WEAVER","RYAN VAN NORMAN","ROSEMARIE E KRANTZ","RONALD W HOUCK"],"Title":["BOARD CHAIRP","BOARD VICE C","SECRETARY/TR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CFO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[1000,750,550,500,500,500,500,500,167,141044,171094],"Direct compensation":[1000,750,550,500,500,500,500,500,167,106951,99504],"Other compensation":[0,0,0,0,0,0,0,0,0,34093,71590]},"Basic":{"value":null,"mission":"The lehigh valley educators credit union, a not for profit financial service organization, provides quality financial services of exceptional value to each member while maintaining a sound business structure.","year":2015,"name":"LEHIGH VALLEY EDUCATORS CREDIT UNION","phone":6108200145,"website":"WWW.LVECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ROSEMARIE E KRANTZ","year_formation":1934,"state_legal_domicile":"PA","total_volunteers":null,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"3720 HAMILTON BLVD, ALLENTOWN, PA, 18103, USA","city":"ALLENTOWN","state":"PA","country":"USA","zip_code":18103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":29,"Total Gross UBI":3470,"Net unrelated business taxable income":null,"Number of employees":29,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":8016113,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":5143974,"Total revenue":{"value":5143974,"LOAN INTEREST INCOME":4073064,"PLASTIC CARD INCOME":849996,"FEE INCOME":217444,"NON-MEMBER ATM INCOME":3470},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2873662,"Investment income total":2754843,"Net investment gain":118819,"Income from invest bond proceeds":0},"Other revenues":{"value":-1523,"Other total":-1523,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":5909174,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1960756,"Current officers":317105,"Disqualified persons":500,"Other salaries and wages":988638,"Pension plan contributions":127935,"Other employee benefits":429746,"Payroll taxes":96832},"Other expenses":{"value":3948418,"Management services":0,"Legal":32243,"Accounting":24840,"Lobbying services":0,"Investment management fees":0,"Other services":89880,"Advertising":240464,"Office expenses":723504,"Information technology":419788,"Royalties":0,"Occupancy":268778,"Travel":2642,"Conferences and meetings":16337,"Interest":997431,"Payments to affiliates":0,"Depreciation and depletion":232708,"Insurance":76425,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":823378,"LENDING EXPENSES":623772,"OTHER":104894,"PROVISION FOR LOAN LOSS":94712},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":303459698,"Non-interest bearing cash":726773,"Savings and temp cash investments":17294947,"Pledges and grants receivable":0,"Accounts receivable":765661,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":89169841,"Inventories for sale or use":0,"Prepaid expenses deferred charges":124484,"Land, building, equipment":5471663,"Investments publicly traded":181411171,"Investments other":6022457,"Investments program related":0,"Intangible assets":0,"Other assets":2472701},"Liabilities":{"value":254000207,"Sum of Total Liabilities":0,"Accounts payable, accrued":505514,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":253494693},"Fund balance":{"value":49459491,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.2628379864405604,"percentile":0.810455911218158},"Liabilities to Assets Ratio":{"score":0.8370146305226996,"percentile":0.07397358877674594},"Operating Reserve Ratio":{"score":51.353996006886916,"percentile":0.9813829470122724},"Officer Compensation Ratio":{"score":0.053663168490215386,"percentile":0.7390257708370064},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.004900222000120041,"percentile":0.3915586064480293},"Asset Growth":{"score":0.021654231768930225,"percentile":0.41083601755846305},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6165238547293812,"percentile":0.6530759743803625}},"source_xml":"201642299349300729_public.xml"},{"Organization":{"value":null,"Person":["ROBERT BOLD","EUGENIA EMERT","WILLIAM AYERS","GARY FEDORCHA","DANIEL JOSEPH","GARY PHILLIPS","CARMEN RIOLA","DANIEL WEAVER","RYAN VAN NORMAN","JILLIAN EMERT","ROSEMARIE E KRANTZ","RONALD W HOUCK","MARIE A RHODA"],"Title":["DIRECTOR","SECRETARY/TREASURER","BOARD CHAIRPERSON","BOARD VICE CHAIR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","MEMBERSHIP OFFICER","CEO","CFO","CLO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[500,550,1000,750,500,500,500,500,500,250,183953,135430,135235],"Direct compensation":[500,550,1000,750,500,500,500,500,500,250,121685,105697,87129],"Other compensation":[0,0,0,0,0,0,0,0,0,0,62268,29733,48106]},"Basic":{"value":null,"mission":"We will grow our credit union through long-term member relationships and partner with our members to meet their expectations. we will maintain a solid financial foundation which benefits our members and employees. we will promote a culture where each employee demonstrates a passion for excellence.","year":2018,"name":"LEHIGH VALLEY EDUCATORS CREDIT UNION","phone":6108200145,"website":"WWW.LVECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ROSEMARIE KRANTZ","year_formation":1934,"state_legal_domicile":"PA","total_volunteers":10,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"3720 HAMILTON BLVD, ALLENTOWN, PA, 18103, USA","city":"ALLENTOWN","state":"PA","country":"USA","zip_code":18103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":36,"Total Gross UBI":2853,"Net unrelated business taxable income":0,"Number of employees":36,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":10272832,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":5737297,"Total revenue":{"value":5737297,"LOAN INTEREST INCOME":4494671,"PLASTIC CARD INCOME":954460,"FEE INCOME":285313,"NON-MEMBER ATM INCOME":2853},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":4333554,"Investment income total":4376413,"Net investment gain":-42859,"Income from invest bond proceeds":0},"Other revenues":{"value":201981,"Other total":201981,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":7723048,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2197796,"Current officers":464105,"Disqualified persons":0,"Other salaries and wages":1040888,"Pension plan contributions":151284,"Other employee benefits":441748,"Payroll taxes":99771},"Other expenses":{"value":5525252,"Management services":0,"Legal":42239,"Accounting":50091,"Lobbying services":0,"Investment management fees":0,"Other services":142207,"Advertising":258923,"Office expenses":809550,"Information technology":559042,"Royalties":0,"Occupancy":261895,"Travel":1875,"Conferences and meetings":15864,"Interest":1638365,"Payments to affiliates":0,"Depreciation and depletion":378117,"Insurance":68128,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1298956,"LENDING EXPENSES":611059,"PROVISION FOR LOAN LOSS":584892,"OTHER":103005},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":311640748,"Non-interest bearing cash":593814,"Savings and temp cash investments":13793194,"Pledges and grants receivable":0,"Accounts receivable":852104,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":96088101,"Inventories for sale or use":0,"Prepaid expenses deferred charges":369149,"Land, building, equipment":6010160,"Investments publicly traded":183928178,"Investments other":7062357,"Investments program related":0,"Intangible assets":0,"Other assets":2943691},"Liabilities":{"value":260162633,"Sum of Total Liabilities":0,"Accounts payable, accrued":2316930,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":257845703},"Fund balance":{"value":51478115,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.24820653155819156,"percentile":0.7993932352208082},"Liabilities to Assets Ratio":{"score":0.8348158405780749,"percentile":0.07426712419682319},"Operating Reserve Ratio":{"score":40.35204080047152,"percentile":0.976425041615647},"Officer Compensation Ratio":{"score":0.05958372911834809,"percentile":0.7112544913498933},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.05276408731216231,"percentile":0.6177855683229787},"Asset Growth":{"score":0.015693518662089147,"percentile":0.38566883114880535},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6334721219252907,"percentile":0.6994748202287705}},"source_xml":"201943189349305244_public.xml"},{"Organization":{"value":null,"Person":["WILLIAM AYERS","GARY FEDORCHA","EUGENIA EMERT","JILLIAN EMERT","DANIEL JOSEPH","GARY PHILLIPS","DANIEL WEAVER","RYAN VAN NORMAN","SHERRI MOLITORIS","DENNIS NEMES","ROSEMARIE E KRANTZ","RONALD W HOUCK","MARIE A RHODA"],"Title":["BOARD CHAIRPERSON","BOARD VICE CHAIR","SECRETARY/TREASURER","MEMBERSHIP OFFICER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CFO","CLO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[1000,750,550,250,500,500,500,500,400,400,230584,137564,138915],"Direct compensation":[1000,750,550,250,500,500,500,500,400,400,150342,103870,90803],"Other compensation":[0,0,0,0,0,0,0,0,0,0,80242,33694,48112]},"Basic":{"value":null,"mission":"We will grow our credit union through long-term member relationships and partner with our members to meet their expectations. we will maintain a solid financial foundation which benefits our members and employees. we will promote a culture where each employee demonstrates a passion for excellence.","year":2020,"name":"LEHIGH VALLEY EDUCATORS CREDIT UNION","phone":6108200145,"website":"WWW.LVECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ROSEMARIE KRANTZ","year_formation":1934,"state_legal_domicile":"PA","total_volunteers":0,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"3720 HAMILTON BLVD, ALLENTOWN, PA, 18103, USA","city":"ALLENTOWN","state":"PA","country":"USA","zip_code":18103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":36,"Total Gross UBI":2715,"Net unrelated business taxable income":0,"Number of employees":36,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":10263879,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":6097127,"Total revenue":{"value":6097127,"LOAN INTEREST INCOME":4840833,"PLASTIC CARD INCOME":972601,"FEE INCOME":280978,"NON MEMBER ATM INCOME":2715},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":4166691,"Investment income total":4162538,"Net investment gain":4153,"Income from invest bond proceeds":0},"Other revenues":{"value":61,"Other total":61,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":8084715,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2338932,"Current officers":512413,"Disqualified persons":0,"Other salaries and wages":1095120,"Pension plan contributions":173763,"Other employee benefits":455387,"Payroll taxes":102249},"Other expenses":{"value":5745783,"Management services":0,"Legal":22105,"Accounting":35133,"Lobbying services":0,"Investment management fees":0,"Other services":181771,"Advertising":192179,"Office expenses":880547,"Information technology":540422,"Royalties":0,"Occupancy":387207,"Travel":515,"Conferences and meetings":18476,"Interest":1717234,"Payments to affiliates":0,"Depreciation and depletion":382932,"Insurance":67752,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1319510,"LENDING EXPENSES":642979,"PROVISION FOR LOAN LOSS":594582,"OTHER":81949},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":377145467,"Non-interest bearing cash":946438,"Savings and temp cash investments":48621785,"Pledges and grants receivable":0,"Accounts receivable":844005,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":95527863,"Inventories for sale or use":0,"Prepaid expenses deferred charges":317655,"Land, building, equipment":5445279,"Investments publicly traded":214994989,"Investments other":7172657,"Investments program related":0,"Intangible assets":0,"Other assets":3274796},"Liabilities":{"value":316519400,"Sum of Total Liabilities":0,"Accounts payable, accrued":1319840,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":315199560},"Fund balance":{"value":60626067,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.21231388249997882,"percentile":0.7683257861376299},"Liabilities to Assets Ratio":{"score":0.8392501771736792,"percentile":0.07366428069278456},"Operating Reserve Ratio":{"score":46.64919752891722,"percentile":0.9796294009670876},"Officer Compensation Ratio":{"score":0.06338046548332255,"percentile":0.693891275755819},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.051860919745655945,"percentile":0.614036251792138},"Asset Growth":{"score":0.029269378934393273,"percentile":0.4429485926847587},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6299294224309409,"percentile":0.6898999536635494}},"source_xml":"202143199349308554_public.xml"},{"Organization":{"value":null,"Person":["WILLIAM AYERS","GARY FEDORCHA","EUGENIA EMERT","JILLIAN EMERT","ROBERT BOLD","DANIEL JOSEPH","GARY PHILLIPS","CARMEN RIOLA","DANIEL WEAVER","RYAN VAN NORMAN","ROSEMARIE E KRANTZ","RONALD W HOUCK","MARIE A RHODA"],"Title":["BOARD CHAIRPERSON","BOARD VICE CHAIR","SECRETARY/TREASURER","MEMBERSHIP OFFICER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CFO","CLO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[1000,750,550,250,500,500,500,500,500,500,205742,138137,141138],"Direct compensation":[1000,750,550,250,500,500,500,500,500,500,136036,106656,88891],"Other compensation":[0,0,0,0,0,0,0,0,0,0,69706,31481,52247]},"Basic":{"value":null,"mission":"We will grow our credit union through long-term member relationships and partner with our members to meet their expectations. we will maintain a solid financial foundation which benefits our members and employees. we will promote a culture where each employee demonstrates a passion for excellence.","year":2019,"name":"LEHIGH VALLEY EDUCATORS CREDIT UNION","phone":6108200145,"website":"WWW.LVECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ROSEMARIE KRANTZ","year_formation":1934,"state_legal_domicile":"PA","total_volunteers":0,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"3720 HAMILTON BLVD, ALLENTOWN, PA, 18103, USA","city":"ALLENTOWN","state":"PA","country":"USA","zip_code":18103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":39,"Total Gross UBI":2790,"Net unrelated business taxable income":0,"Number of employees":39,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":11097482,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":6212371,"Total revenue":{"value":6212371,"LOAN INTEREST INCOME":4926665,"PLASTIC CARD INCOME":995832,"FEE INCOME":287084,"NON MEMBER ATM INCOME":2790},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":4841094,"Investment income total":4841137,"Net investment gain":-43,"Income from invest bond proceeds":0},"Other revenues":{"value":44017,"Other total":44017,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":8617059,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2428175,"Current officers":494526,"Disqualified persons":0,"Other salaries and wages":1089846,"Pension plan contributions":253851,"Other employee benefits":488313,"Payroll taxes":101639},"Other expenses":{"value":6188884,"Management services":0,"Legal":52673,"Accounting":52217,"Lobbying services":0,"Investment management fees":0,"Other services":138604,"Advertising":271222,"Office expenses":874737,"Information technology":567109,"Royalties":0,"Occupancy":326112,"Travel":2060,"Conferences and meetings":26231,"Interest":2174095,"Payments to affiliates":0,"Depreciation and depletion":385116,"Insurance":68307,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1250401,"LENDING EXPENSES":613080,"PROVISION FOR LOAN LOSS":539193,"OTHER":98128},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":324277675,"Non-interest bearing cash":796072,"Savings and temp cash investments":35579207,"Pledges and grants receivable":0,"Accounts receivable":843543,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":99188446,"Inventories for sale or use":0,"Prepaid expenses deferred charges":322758,"Land, building, equipment":5683013,"Investments publicly traded":172253606,"Investments other":6662257,"Investments program related":0,"Intangible assets":0,"Other assets":2948773},"Liabilities":{"value":267636999,"Sum of Total Liabilities":0,"Accounts payable, accrued":1578302,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":266058697},"Fund balance":{"value":56640676,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.22351223457717706,"percentile":0.7786288852398945},"Liabilities to Assets Ratio":{"score":0.8253327923360744,"percentile":0.07551603240073873},"Operating Reserve Ratio":{"score":37.63205926755288,"percentile":0.9746100598210401},"Officer Compensation Ratio":{"score":0.056929748305077174,"percentile":0.7235062247655365},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06123776142576648,"percentile":0.6506811174374295},"Asset Growth":{"score":0.016678832858258566,"percentile":0.38981453263643007},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6338578212973504,"percentile":0.700495942010842}},"source_xml":"202003219349317505_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["WILLIAM AYERS","GARY FEDORCHA","EUGENIA EMERT","JILLIAN EMERT","DANIEL JOSEPH","SHERRI MOLITORIS","DENNIS NEMES - ENDING 9152024","RYAN VAN NORMAN","GARY PHILLIPS","DANIEL WEAVER - ENDING 12312024","BARBARA NEMES - BEGINNING 11252024","ROSEMARIE E KRANTZ","ANN HOFF","MARIE A RHODA"],"Title":["BOARD CHAIRPERSON","BOARD VICE CHAIR","SECRETARY/TREASURER","MEMBERSHIP OFFICER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CFO","CLO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[2000,1500,1500,500,750,750,750,750,750,750,0,382961,176103,215298],"Direct compensation":[2000,1500,1500,500,750,750,750,750,750,750,0,207377,113468,135866],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,175584,62635,79432]},"Basic":{"value":null,"mission":"Maintain financial soundness while empowering members to work toward financial success","year":2024,"name":"LEHIGH VALLEY EDUCATORS CREDIT UNION","phone":6108200145,"website":"WWW.LVECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ROSEMARIE KRANTZ","year_formation":1934,"state_legal_domicile":"PA","total_volunteers":10,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"3720 HAMILTON BLVD, ALLENTOWN, PA, 18103, USA","city":"ALLENTOWN","state":"PA","country":"USA","zip_code":18103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":31,"Total Gross UBI":1866,"Net unrelated business taxable income":0,"Number of employees":31,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":18987821,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":8963890,"Total revenue":{"value":8963890,"LOAN INTEREST INCOME":7302848,"PLASTIC CARD INCOME":1273480,"FEE INCOME":385696,"NON MEMBER ATM INCOME":1866},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9975125,"Investment income total":9945384,"Net investment gain":29741,"Income from invest bond proceeds":0},"Other revenues":{"value":48806,"Other total":48806,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":15962660,"Grant expense":{"value":90000,"Grants to domestic orgs":90000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2659402,"Current officers":801597,"Disqualified persons":0,"Other salaries and wages":1417597,"Pension plan contributions":-108860,"Other employee benefits":410937,"Payroll taxes":138131},"Other expenses":{"value":13213258,"Management services":0,"Legal":44672,"Accounting":2548,"Lobbying services":0,"Investment management fees":0,"Other services":238187,"Advertising":324160,"Office expenses":1169116,"Information technology":945278,"Royalties":0,"Occupancy":416979,"Travel":2292,"Conferences and meetings":27961,"Interest":7762092,"Payments to affiliates":0,"Depreciation and depletion":252742,"Insurance":85430,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1941801,"LENDING EXPENSES":1264764,"PROVISION FOR LOAN LOSS":568790,"OTHER":108247},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":437645185,"Non-interest bearing cash":1172950,"Savings and temp cash investments":51393673,"Pledges and grants receivable":0,"Accounts receivable":1631839,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":116863217,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1288576,"Land, building, equipment":4302198,"Investments publicly traded":255482366,"Investments other":210700,"Investments program related":0,"Intangible assets":0,"Other assets":5299666},"Liabilities":{"value":385983071,"Sum of Total Liabilities":0,"Accounts payable, accrued":526637,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":385456434},"Fund balance":{"value":51662114,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.1593211248410231,"percentile":0.7105630916552723},"Liabilities to Assets Ratio":{"score":0.8819543416203699,"percentile":0.06757234531728044},"Operating Reserve Ratio":{"score":27.416808038259287,"percentile":0.9633054777447987},"Officer Compensation Ratio":{"score":0.04913729917194252,"percentile":0.7610750815487997},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06883525713875761,"percentile":0.6775668973873771},"Asset Growth":{"score":0.03969180617908986,"percentile":0.4860294597971811},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6309425326692483,"percentile":0.6926389438569006}},"source_xml":"202523179349300702_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}