{"success":true,"data":{"_id":251113410,"filings":[{"Organization":{"value":null,"Person":["SARAH RATTIGAN","DAVID E HILLIARD","VICTORIA HINTERBERGER","EDWARD NATALI","MATTHEW STEWART","LORI E ALTMAN","JAMES A HRABOSKY","JOHN D GIBSON JR","DAVID R BACHER","CHRISTOPHER LUNN","RANDALL W CYPHER","DENNIS FEHL","JOSEPH MALLOY","ADAM BOOSEL","RAY MUTH","MARK BUCHEK"],"Title":["BOARD MEMBER","BOARD MEMBER","VICE PRESIDENT","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","PRESIDENT (THRU 9/24)","PRESIDENT OF THE BOARD","TREASURER/SECRETARY","BOARD MEMBER","CEO","EXECUTIVE VICE PRESIDENT","GENERAL MANAGER OF OPERATIONS","ASSISTANT EXECUTIVE VICE P","IT MANAGER","COMMERCIAL LOAN MANAGER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,48313,0,0,0,418971,268754,151615,193423,195271,162804],"Direct compensation":[0,0,0,0,0,0,41400,0,0,0,369941,227398,116404,161521,157128,126785],"Other compensation":[0,0,0,0,0,0,6913,0,0,0,49030,41356,35211,31902,38143,36019]},"Basic":{"value":null,"mission":"The credit union is an association of members dedicated to servicing members'financial needs through the provision of savings accounts, loans, and other financial services.","year":2024,"name":"ARMCO CREDIT UNION","phone":7242842020,"website":"WWW.ARMCOCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RANDALL W CYPHER","year_formation":1935,"state_legal_domicile":"PA","total_volunteers":17,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"101 HOLLYWOOD DRIVE PO BOX 1589, BUTLER, PA, 160031589, USA","city":"BUTLER","state":"PA","country":"USA","zip_code":160031589},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":110,"Total Gross UBI":15780,"Net unrelated business taxable income":0,"Number of employees":110,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"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":31751506,"Contributions":{"value":16,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":16,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":25908366,"Total revenue":{"value":25908366,"INTEREST ON LOANS":20860055,"FEES AND CHARGES":4033112,"INSURANCE":852724,"SERVICE INCOME ON LOANS":162475},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":5363269,"Investment income total":5363269,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":479855,"Other total":479855,"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":24543471,"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":8413100,"Current officers":713744,"Disqualified persons":0,"Other salaries and wages":5434082,"Pension plan contributions":365954,"Other employee benefits":1412628,"Payroll taxes":486692},"Other expenses":{"value":16130371,"Management services":0,"Legal":91661,"Accounting":49730,"Lobbying services":0,"Investment management fees":0,"Other services":1729926,"Advertising":246674,"Office expenses":214858,"Information technology":845588,"Royalties":0,"Occupancy":445960,"Travel":0,"Conferences and meetings":10223,"Interest":9849143,"Payments to affiliates":0,"Depreciation and depletion":472427,"Insurance":109104,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2065077,"OTHER EXPENSES":1224356,"LOAN SERVICING":554229,"POSTAGE AND SHIPPING":286492},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":617085524,"Non-interest bearing cash":3462011,"Savings and temp cash investments":162809040,"Pledges and grants receivable":0,"Accounts receivable":286340,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":418558049,"Inventories for sale or use":0,"Prepaid expenses deferred charges":430807,"Land, building, equipment":12066728,"Investments publicly traded":0,"Investments other":4405785,"Investments program related":0,"Intangible assets":0,"Other assets":15066764},"Liabilities":{"value":535598261,"Sum of Total Liabilities":0,"Accounts payable, accrued":1176657,"Grants payable":0,"Deferred, revenue":457250,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":89000,"Unsecured notes loans payable":0,"Other liabilities":533875354},"Fund balance":{"value":81487263,"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":0.22701395644036537,"percentile":0.7817666490919826},"Liabilities to Assets Ratio":{"score":0.867948185736407,"percentile":0.06966539829868264},"Operating Reserve Ratio":{"score":25.14255314580403,"percentile":0.9591060209257438},"Officer Compensation Ratio":{"score":0.05863681628405371,"percentile":0.7156514600153256},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10479009771086195,"percentile":0.7744765949083542},"Asset Growth":{"score":0.07336127744842494,"percentile":0.608434050768372},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6586638297907331,"percentile":0.7626301825280184}},"source_xml":"202511569349300311_public.xml"},{"Organization":{"value":null,"Person":["RALPH BOOSEL","ROBERT L CLOUSE","RUTH E ORLOWSKY","LORI ALTMAN","JAMES A FERGUSON","DANIEL J GREEN","ALBERT MCGRATH","MATTHEW MCCLELLAND","CYNTHIA BEBLO","CINDY GRAHAM","DESIREE L ATKINSON","DEBORAH DELANO","TONI TASSEY","KEN MCFARLAND","JOHN D GIBSON JR","RANDALL W CYPHER","DENNIS FEHL"],"Title":["PRESIDENT OF THE BOARD","VICE PRESIDENT OF THE BOAR","TREASURER/SECRETARY","BOARD MEMBER","BOARD MEMBER","SUPERVISOR COMMITTEE","SUPERVISOR COMMITTEE","SUPERVISOR COMMITTEE","CREDIT COMMITTEE","CREDIT COMMITTEE","BOARD MEMBER","BOARD/EXECUTIVE COMMITEE","CREDIT COMMITTEE","BOARD/EXECUTIVE COMMITEE","BOARD MEMBER","CEO","EXECUTIVE VICE PRESIDENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,217555,139165],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,183689,110629],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,33866,28536]},"Basic":{"value":null,"mission":"The credit union is an association of members dedicated to servicing members'financial needs through the provision of savings accounts, loans, and other financial services.","year":2014,"name":"BUTLER ARMCO EMPLOYEES CREDIT UNION","phone":7242842020,"website":"WWW.BAECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RANDALL W CYPHER","year_formation":1935,"state_legal_domicile":"PA","total_volunteers":15,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"101 HOLLYWOOD DRIVE PO BOX 1589, BUTLER, PA, 160031589, USA","city":"BUTLER","state":"PA","country":"USA","zip_code":160031589},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":65,"Total Gross UBI":6148,"Net unrelated business taxable income":-3418,"Number of employees":65,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"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":9787522,"Contributions":{"value":1558,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":1558,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":9616993,"Total revenue":{"value":9616993,"INTEREST ON LOANS":6953335,"FEES AND CHARGES":1803374,"INSURANCE":486412,"SERVICE INCOME ON LOAN":373872},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":162823,"Investment income total":162823,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":6148,"Other total":6148,"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":7515160,"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":3387889,"Current officers":356720,"Disqualified persons":0,"Other salaries and wages":2118911,"Pension plan contributions":133221,"Other employee benefits":578517,"Payroll taxes":200520},"Other expenses":{"value":4127271,"Management services":0,"Legal":29506,"Accounting":38450,"Lobbying services":0,"Investment management fees":0,"Other services":684763,"Advertising":60602,"Office expenses":89332,"Information technology":349347,"Royalties":0,"Occupancy":255805,"Travel":0,"Conferences and meetings":24119,"Interest":612150,"Payments to affiliates":0,"Depreciation and depletion":256869,"Insurance":53908,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1489720,"LOAN SERVICING":562323,"AMORTIZATION OF PENSION":419967,"PROVISION FOR LOAN LOSS":267387,"OTHER EXPENSES":240043},"All other expenses":182700},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":290658932,"Non-interest bearing cash":3402463,"Savings and temp cash investments":90588963,"Pledges and grants receivable":0,"Accounts receivable":871080,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":183200210,"Inventories for sale or use":0,"Prepaid expenses deferred charges":228473,"Land, building, equipment":5075088,"Investments publicly traded":0,"Investments other":2881226,"Investments program related":0,"Intangible assets":0,"Other assets":4411429},"Liabilities":{"value":247918821,"Sum of Total Liabilities":0,"Accounts payable, accrued":620638,"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":247298183},"Fund balance":{"value":42740111,"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":0.23216928656712088,"percentile":0.7862466650049861},"Liabilities to Assets Ratio":{"score":0.8529544208192439,"percentile":0.07179552728220204},"Operating Reserve Ratio":{"score":38.67634647831849,"percentile":0.9753501180920401},"Officer Compensation Ratio":{"score":0.047466720602089646,"percentile":0.7693391165135648},"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":0.6549646719714222,"percentile":0.7537136655332202}},"source_xml":"201510969349300401_public.xml"},{"Organization":{"value":null,"Person":["SARAH RATTIGAN","DAVID E HILLIARD","VICTORIA HINTERBERGER","ROBERT L CLOUSE","IAN D FERGUSON","LORI E ALTMAN","JAMES A HRABOSKY","JOHN D GIBSON JR","DAVID R BACHER","RANDALL W CYPHER","DENNIS FEHL"],"Title":["BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","PRESIDENT OF THE BOARD","VICE PRESIDENT","TREASURER/SECRETARY","CEO","EXECUTIVE VICE PRESIDENT"],"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":[0,0,0,0,0,0,0,0,0,289061,176785],"Direct compensation":[0,0,0,0,0,0,0,0,0,249908,140964],"Other compensation":[0,0,0,0,0,0,0,0,0,39153,35821]},"Basic":{"value":null,"mission":"The credit union is an association of members dedicated to servicing members'financial needs through the provision of savings accounts, loans, and other financial services.","year":2021,"name":"ARMCO CREDIT UNION","phone":7242842020,"website":"WWW.ARMCOCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RANDALL W CYPHER","year_formation":1935,"state_legal_domicile":"PA","total_volunteers":12,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"101 HOLLYWOOD DRIVE PO BOX 1589, BUTLER, PA, 160031589, USA","city":"BUTLER","state":"PA","country":"USA","zip_code":160031589},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":92,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":92,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":true,"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":16699090,"Contributions":{"value":1051,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":1051,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":16318120,"Total revenue":{"value":16318120,"INTEREST ON LOANS":11717346,"FEES AND CHARGES":2722153,"INSURANCE":1273143,"SERVICE INCOME ON LOANS":605478},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":361425,"Investment income total":171911,"Net investment gain":189514,"Income from invest bond proceeds":0},"Other revenues":{"value":18494,"Other total":18494,"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":12846994,"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":5905879,"Current officers":465846,"Disqualified persons":0,"Other salaries and wages":3799359,"Pension plan contributions":260837,"Other employee benefits":1054434,"Payroll taxes":325403},"Other expenses":{"value":6941115,"Management services":0,"Legal":37398,"Accounting":43612,"Lobbying services":0,"Investment management fees":0,"Other services":1167468,"Advertising":198731,"Office expenses":159273,"Information technology":628061,"Royalties":0,"Occupancy":340991,"Travel":0,"Conferences and meetings":8656,"Interest":1174109,"Payments to affiliates":0,"Depreciation and depletion":521371,"Insurance":63222,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2373382,"OTHER EXPENSES":792584,"LOAN SERVICING":597749,"PROVISION FOR LOAN LOSS":574675,"AMORTIZATION OF PENSION":408374},"All other expenses":224841},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":508350519,"Non-interest bearing cash":3572256,"Savings and temp cash investments":139741641,"Pledges and grants receivable":0,"Accounts receivable":8098608,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":326992904,"Inventories for sale or use":0,"Prepaid expenses deferred charges":403417,"Land, building, equipment":12641845,"Investments publicly traded":0,"Investments other":3071557,"Investments program related":0,"Intangible assets":0,"Other assets":13828291},"Liabilities":{"value":445571294,"Sum of Total Liabilities":0,"Accounts payable, accrued":896980,"Grants payable":0,"Deferred, revenue":722750,"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":443951564},"Fund balance":{"value":62779225,"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":0.23067700096232788,"percentile":0.7849490459840556},"Liabilities to Assets Ratio":{"score":0.8765040603804322,"percentile":0.06839887387276664},"Operating Reserve Ratio":{"score":39.56960819005598,"percentile":0.9759446706407243},"Officer Compensation Ratio":{"score":0.036261089559160686,"percentile":0.8268127666910698},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0751249872397057,"percentile":0.6978754152958788},"Asset Growth":{"score":0.07016078874190257,"percentile":0.5982706758696175},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6588860398133777,"percentile":0.7631443431433153}},"source_xml":"202241339349301704_public.xml"},{"Organization":{"value":null,"Person":["RALPH BOOSEL","JAMES A HRABOSKY","DEBRA A MONTELEONE","DAVID E HILLIARD","VICTORIA HINTERBERGER","JOHN D GIBSON JR","ROBERT L CLOUSE","DEBORAH J ROGINSKI","DAVID R BACHER","LORI E ALTMAN","RANDALL W CYPHER","DENNIS FEHL"],"Title":["PRESIDENT OF THE BOARD (THRU NOV 2019)","PRESIDENT OF THE BOARD","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","VICE PRESIDENT","BOARD MEMBER","BOARD MEMBER","TREASURER/SECRETARY","BOARD MEMBER","CEO","EXECUTIVE VICE PRESIDENT"],"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],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,282915,172269],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,231507,131193],"Other compensation":[0,0,0,0,0,0,0,0,0,0,51408,41076]},"Basic":{"value":null,"mission":"The credit union is an association of members dedicated to servicing members'financial needs through the provision of savings accounts, loans, and other financial services.","year":2019,"name":"ARMCO CREDIT UNION","phone":7242842020,"website":"WWW.BAECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RANDALL W CYPHER","year_formation":1935,"state_legal_domicile":"PA","total_volunteers":15,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"101 HOLLYWOOD DRIVE PO BOX 1589, BUTLER, PA, 160031589, USA","city":"BUTLER","state":"PA","country":"USA","zip_code":160031589},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":86,"Total Gross UBI":14651,"Net unrelated business taxable income":0,"Number of employees":86,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"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":15615293,"Contributions":{"value":2213,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":2213,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":14092195,"Total revenue":{"value":14092195,"INTEREST ON LOANS":10676757,"FEES AND CHARGES":2157269,"INSURANCE":699776,"SERVICE INCOME ON LOANS":558393},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1506234,"Investment income total":1506234,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":14651,"Other total":14651,"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":11951298,"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":5157696,"Current officers":455184,"Disqualified persons":0,"Other salaries and wages":3130150,"Pension plan contributions":386157,"Other employee benefits":892749,"Payroll taxes":293456},"Other expenses":{"value":6793602,"Management services":0,"Legal":62039,"Accounting":44177,"Lobbying services":0,"Investment management fees":0,"Other services":901182,"Advertising":102513,"Office expenses":147880,"Information technology":612758,"Royalties":0,"Occupancy":318553,"Travel":0,"Conferences and meetings":8157,"Interest":1682709,"Payments to affiliates":0,"Depreciation and depletion":340619,"Insurance":61142,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2314590,"AMORTIZATION OF PENSION":1079083,"LOAN SERVICING":622699,"OTHER EXPENSES":326025,"PROVISION FOR LOAN LOSS":286783},"All other expenses":197283},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":365917704,"Non-interest bearing cash":3442885,"Savings and temp cash investments":66181956,"Pledges and grants receivable":0,"Accounts receivable":2623452,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":273573824,"Inventories for sale or use":0,"Prepaid expenses deferred charges":381433,"Land, building, equipment":8177254,"Investments publicly traded":0,"Investments other":1921594,"Investments program related":0,"Intangible assets":0,"Other assets":9615306},"Liabilities":{"value":307950174,"Sum of Total Liabilities":0,"Accounts payable, accrued":994152,"Grants payable":0,"Deferred, revenue":885000,"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":306071022},"Fund balance":{"value":57967530,"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":0.23464145053186003,"percentile":0.7883264831467475},"Liabilities to Assets Ratio":{"score":0.8415831500735477,"percentile":0.07334718869677648},"Operating Reserve Ratio":{"score":30.61740272897555,"percentile":0.9679242739719162},"Officer Compensation Ratio":{"score":0.038086574362048375,"percentile":0.8172652447050055},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.08834281435936227,"percentile":0.7355838751392485},"Asset Growth":{"score":0.04485067686684396,"percentile":0.5066578782766868},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6567756301767322,"percentile":0.7581203279828765}},"source_xml":"202040939349301009_public.xml"},{"Organization":{"value":null,"Person":["SARAH RATTIGAN","DAVID E HILLIARD","VICTORIA HINTERBERGER","MATTHEW J STEWART","IAN D FERGUSON","LORI E ALTMAN","JAMES A HRABOSKY","JOHN D GIBSON JR","DAVID R BACHER","RANDALL W CYPHER","DENNIS FEHL","JOSEPH MALLOY","RAY MUTH","ADAM BOOSEL"],"Title":["BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","PRESIDENT OF THE BOARD","VICE PRESIDENT","TREASURER/SECRETARY","CEO","EXECUTIVE VICE PRESIDENT","ASSISTANT MANAGER","IT MANAGER","ASSISTANT EXECUTIVE VICE PRESIDENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,356424,215616,133608,176579,151713],"Direct compensation":[0,0,0,0,0,0,0,0,0,323626,184691,103902,142952,121403],"Other compensation":[0,0,0,0,0,0,0,0,0,32798,30925,29706,33627,30310]},"Basic":{"value":null,"mission":"The credit union is an association of members dedicated to servicing members'financial needs through the provision of savings accounts, loans, and other financial services.","year":2023,"name":"ARMCO CREDIT UNION","phone":7242842020,"website":"WWW.ARMCOCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RANDALL W CYPHER","year_formation":1935,"state_legal_domicile":"PA","total_volunteers":16,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"101 HOLLYWOOD DRIVE PO BOX 1589, BUTLER, PA, 160031589, USA","city":"BUTLER","state":"PA","country":"USA","zip_code":160031589},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":101,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":101,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":true,"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":25147926,"Contributions":{"value":16,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":16,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":23955040,"Total revenue":{"value":23955040,"INTEREST ON LOANS":19284395,"FEES AND CHARGES":3722371,"INSURANCE":829966,"SERVICE INCOME ON LOANS":118308},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1177454,"Investment income total":1177454,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":15416,"Other total":15416,"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":19737356,"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":7312501,"Current officers":612218,"Disqualified persons":0,"Other salaries and wages":4738904,"Pension plan contributions":146596,"Other employee benefits":1394460,"Payroll taxes":420323},"Other expenses":{"value":12424855,"Management services":0,"Legal":65521,"Accounting":50424,"Lobbying services":0,"Investment management fees":0,"Other services":1699097,"Advertising":214988,"Office expenses":207899,"Information technology":706189,"Royalties":0,"Occupancy":446597,"Travel":0,"Conferences and meetings":6783,"Interest":5105086,"Payments to affiliates":0,"Depreciation and depletion":498206,"Insurance":77685,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3063036,"AMORTIZATION OF PENSION":1204035,"OTHER EXPENSES":1072321,"LOAN SERVICING":502777,"PROVISION FOR LOAN LOSS":283903},"All other expenses":283344},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":532249153,"Non-interest bearing cash":3362652,"Savings and temp cash investments":47036373,"Pledges and grants receivable":0,"Accounts receivable":928924,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":451427439,"Inventories for sale or use":0,"Prepaid expenses deferred charges":489859,"Land, building, equipment":12257748,"Investments publicly traded":0,"Investments other":2323453,"Investments program related":0,"Intangible assets":0,"Other assets":14422705},"Liabilities":{"value":458348101,"Sum of Total Liabilities":0,"Accounts payable, accrued":973221,"Grants payable":0,"Deferred, revenue":545750,"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":456829130},"Fund balance":{"value":73901052,"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":0.2151497503213585,"percentile":0.7709809425071418},"Liabilities to Assets Ratio":{"score":0.861153274583041,"percentile":0.07064289377991685},"Operating Reserve Ratio":{"score":26.96658828061874,"percentile":0.9625633985609888},"Officer Compensation Ratio":{"score":0.0523849293694657,"percentile":0.7452488270110528},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.09304336294400925,"percentile":0.747561698402313},"Asset Growth":{"score":0.07130862781499883,"percentile":0.6019638743342473},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6556726491353515,"percentile":0.755445532872182}},"source_xml":"202411149349301221_public.xml"},{"Organization":{"value":null,"Person":["SARAH RATTIGAN","DAVID E HILLIARD","VICTORIA HINTERBERGER","MATTHEW J STEWART","IAN D FERGUSON","LORI E ALTMAN","JAMES A HRABOSKY","JOHN D GIBSON JR","DAVID R BACHER","RANDALL W CYPHER","DENNIS FEHL","JOSEPH MALLOY","RAY MUTH"],"Title":["BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","PRESIDENT OF THE BOARD","VICE PRESIDENT","TREASURER/SECRETARY","CEO","EXECUTIVE VICE PRESIDENT","ASSISTANT MANAGER","IT MANAGER"],"Hours":[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":[0,0,0,0,0,0,0,0,0,319862,197837,112595,167373],"Direct compensation":[0,0,0,0,0,0,0,0,0,273927,159887,95653,129069],"Other compensation":[0,0,0,0,0,0,0,0,0,45935,37950,16942,38304]},"Basic":{"value":null,"mission":"The credit union is an association of members dedicated to servicing members'financial needs through the provision of savings accounts, loans, and other financial services.","year":2022,"name":"ARMCO CREDIT UNION","phone":7242842020,"website":"WWW.ARMCOCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RANDALL W CYPHER","year_formation":1935,"state_legal_domicile":"PA","total_volunteers":15,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"101 HOLLYWOOD DRIVE PO BOX 1589, BUTLER, PA, 160031589, USA","city":"BUTLER","state":"PA","country":"USA","zip_code":160031589},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":108,"Total Gross UBI":17868471,"Net unrelated business taxable income":0,"Number of employees":108,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":true,"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":20970795,"Contributions":{"value":46,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":46,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":17868471,"Total revenue":{"value":17868471,"INTEREST ON LOANS":13644781,"FEES AND CHARGES":3353344,"INSURANCE":818015,"SERVICE INCOME ON LOANS":52331},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1504945,"Investment income total":1504945,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1597333,"Other total":1597333,"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":14321370,"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":6640534,"Current officers":529467,"Disqualified persons":0,"Other salaries and wages":4261562,"Pension plan contributions":328799,"Other employee benefits":1140727,"Payroll taxes":379979},"Other expenses":{"value":7680836,"Management services":0,"Legal":59154,"Accounting":45568,"Lobbying services":0,"Investment management fees":0,"Other services":1472867,"Advertising":232421,"Office expenses":210992,"Information technology":706192,"Royalties":0,"Occupancy":426830,"Travel":0,"Conferences and meetings":3650,"Interest":1442504,"Payments to affiliates":0,"Depreciation and depletion":593131,"Insurance":72044,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2415483,"OTHER EXPENSES":959466,"PROVISION FOR LOAN LOSS":628356,"LOAN SERVICING":588211,"POSTAGE AND SHIPPING":239450},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":531376072,"Non-interest bearing cash":3266791,"Savings and temp cash investments":75656998,"Pledges and grants receivable":0,"Accounts receivable":1778203,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":419913210,"Inventories for sale or use":0,"Prepaid expenses deferred charges":453787,"Land, building, equipment":12342661,"Investments publicly traded":0,"Investments other":2270795,"Investments program related":0,"Intangible assets":0,"Other assets":15693627},"Liabilities":{"value":461947422,"Sum of Total Liabilities":0,"Accounts payable, accrued":1252106,"Grants payable":0,"Deferred, revenue":634250,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":3332530,"Unsecured notes loans payable":0,"Other liabilities":456728536},"Fund balance":{"value":69428650,"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":0.3170802537528978,"percentile":0.8453836087504399},"Liabilities to Assets Ratio":{"score":0.8693417832333256,"percentile":0.06945851011007272},"Operating Reserve Ratio":{"score":37.103717870566854,"percentile":0.9742200236487217},"Officer Compensation Ratio":{"score":0.05569767417502655,"percentile":0.7293678728742247},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.08359104181990369,"percentile":0.7227650313520917},"Asset Growth":{"score":0.07364250998703571,"percentile":0.609348589096135},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.667266982478632,"percentile":0.7829550256450356}},"source_xml":"202311119349300036_public.xml"},{"Organization":{"value":null,"Person":["SARAH RATTIGAN","JAMES A HRABOSKY","DAVID E HILLIARD","VICTORIA HINTERBERGER","JOHN D GIBSON JR","ROBERT L CLOUSE","DEBORAH J ROGINSKI","DAVID R BACHER","LORI E ALTMAN","RANDALL W CYPHER","DENNIS FEHL"],"Title":["BOARD MEMBER","PRESIDENT OF THE BOARD","BOARD MEMBER","BOARD MEMBER","VICE PRESIDENT","BOARD MEMBER","BOARD MEMBER","TREASURER/SECRETARY","BOARD MEMBER","CEO","EXECUTIVE VICE PRESIDENT"],"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":[0,0,0,0,0,0,0,0,0,295110,179886],"Direct compensation":[0,0,0,0,0,0,0,0,0,249895,141314],"Other compensation":[0,0,0,0,0,0,0,0,0,45215,38572]},"Basic":{"value":null,"mission":"The credit union is an association of members dedicated to servicing members'financial needs through the provision of savings accounts, loans, and other financial services.","year":2020,"name":"ARMCO CREDIT UNION","phone":7242842020,"website":"WWW.ARMCOCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RANDALL W CYPHER","year_formation":1935,"state_legal_domicile":"PA","total_volunteers":15,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"101 HOLLYWOOD DRIVE PO BOX 1589, BUTLER, PA, 160031589, USA","city":"BUTLER","state":"PA","country":"USA","zip_code":160031589},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":85,"Total Gross UBI":15752,"Net unrelated business taxable income":0,"Number of employees":85,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"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":15023965,"Contributions":{"value":1911,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":1911,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":14744746,"Total revenue":{"value":14744746,"INTEREST ON LOANS":11470748,"FEES AND CHARGES":2182046,"INSURANCE":563423,"SERVICE INCOME ON LOANS":528529},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":261556,"Investment income total":261556,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":15752,"Other total":15752,"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":14064366,"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":5718937,"Current officers":474996,"Disqualified persons":0,"Other salaries and wages":3442223,"Pension plan contributions":327373,"Other employee benefits":1158276,"Payroll taxes":316069},"Other expenses":{"value":8345429,"Management services":0,"Legal":58423,"Accounting":24398,"Lobbying services":0,"Investment management fees":0,"Other services":971973,"Advertising":155645,"Office expenses":165809,"Information technology":644908,"Royalties":0,"Occupancy":319690,"Travel":0,"Conferences and meetings":12615,"Interest":1943121,"Payments to affiliates":0,"Depreciation and depletion":365677,"Insurance":64477,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3414000,"PROVISION FOR LOAN LOSS":1272371,"AMORTIZATION OF PENSION":929496,"OTHER EXPENSES":611589,"LOAN SERVICING":600544},"All other expenses":204693},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":437480820,"Non-interest bearing cash":3466030,"Savings and temp cash investments":118003827,"Pledges and grants receivable":0,"Accounts receivable":12329778,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":278518489,"Inventories for sale or use":0,"Prepaid expenses deferred charges":376503,"Land, building, equipment":10047801,"Investments publicly traded":0,"Investments other":1956888,"Investments program related":0,"Intangible assets":0,"Other assets":12781504},"Liabilities":{"value":378553691,"Sum of Total Liabilities":0,"Accounts payable, accrued":1073958,"Grants payable":0,"Deferred, revenue":811250,"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":376668483},"Fund balance":{"value":58927129,"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":0.06387122174472584,"percentile":0.5548235374680104},"Liabilities to Assets Ratio":{"score":0.8653035143346398,"percentile":0.0700521358235297},"Operating Reserve Ratio":{"score":31.105619691637717,"percentile":0.9685194327944434},"Officer Compensation Ratio":{"score":0.03377301187981029,"percentile":0.8398893895964293},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07771607783912973,"percentile":0.7058012778248589},"Asset Growth":{"score":0.05788057787148367,"percentile":0.5561887358147732},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6143565124042045,"percentile":0.6469432441474983}},"source_xml":"202102189349301100_public.xml"},{"Organization":{"value":null,"Person":["RALPH BOOSEL","JAMES A HRABOSKY","RUTH E ORLOWSKY","LORI ALTMAN","VICTORIA HINTERBERGER","JOHN D GIBSON JR","ROBERT L CLOUSE","DEBORAH J ROGINSKI","DAVID R BACHER","RANDALL W CYPHER","DENNIS FEHL"],"Title":["PRESIDENT OF THE BOARD","VICE PRESIDENT OF THE BOAR","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","TREASURER/SECRETARY","CEO","EXECUTIVE VICE PRESIDENT"],"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":[0,0,0,0,0,0,0,0,0,281221,171890],"Direct compensation":[0,0,0,0,0,0,0,0,0,226451,129154],"Other compensation":[0,0,0,0,0,0,0,0,0,54770,42736]},"Basic":{"value":null,"mission":"The credit union is an association of members dedicated to servicing members'financial needs through the provision of savings accounts, loans, and other financial services.","year":2018,"name":"ARMCO CREDIT UNION","phone":7242842020,"website":"WWW.BAECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RANDALL W CYPHER","year_formation":1935,"state_legal_domicile":"PA","total_volunteers":15,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"101 HOLLYWOOD DRIVE PO BOX 1589, BUTLER, PA, 160031589, USA","city":"BUTLER","state":"PA","country":"USA","zip_code":160031589},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":77,"Total Gross UBI":9667,"Net unrelated business taxable income":-2005,"Number of employees":77,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"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":13942412,"Contributions":{"value":2027,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":2027,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":12204570,"Total revenue":{"value":12204570,"INTEREST ON LOANS":8909232,"FEES AND CHARGES":2097538,"INSURANCE":772411,"SERVICE INCOME ON LOANS":425389},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1615928,"Investment income total":1615928,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":119887,"Other total":119887,"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":10497363,"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":4693381,"Current officers":453111,"Disqualified persons":0,"Other salaries and wages":2784137,"Pension plan contributions":392270,"Other employee benefits":798369,"Payroll taxes":265494},"Other expenses":{"value":5803982,"Management services":0,"Legal":67837,"Accounting":40450,"Lobbying services":0,"Investment management fees":0,"Other services":780205,"Advertising":92086,"Office expenses":156510,"Information technology":581514,"Royalties":0,"Occupancy":333214,"Travel":0,"Conferences and meetings":7703,"Interest":1192795,"Payments to affiliates":0,"Depreciation and depletion":330817,"Insurance":58740,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2162111,"PROVISION FOR LOAN LOSS":1039192,"LOAN SERVICING":659691,"OTHER EXPENSES":295325,"POSTAGE AND SHIPPING":167903},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":345830480,"Non-interest bearing cash":2988326,"Savings and temp cash investments":89008163,"Pledges and grants receivable":0,"Accounts receivable":497094,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":239766078,"Inventories for sale or use":0,"Prepaid expenses deferred charges":280438,"Land, building, equipment":6387964,"Investments publicly traded":0,"Investments other":1887952,"Investments program related":0,"Intangible assets":0,"Other assets":5014465},"Liabilities":{"value":291526945,"Sum of Total Liabilities":0,"Accounts payable, accrued":841809,"Grants payable":0,"Deferred, revenue":885000,"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":289800136},"Fund balance":{"value":54303535,"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":0.24709132107127518,"percentile":0.7985248270775407},"Liabilities to Assets Ratio":{"score":0.8429764345814748,"percentile":0.07316611032179511},"Operating Reserve Ratio":{"score":32.94450996883693,"percentile":0.9705797534041771},"Officer Compensation Ratio":{"score":0.043164268969263994,"percentile":0.7910905097660762},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.08058726386989268,"percentile":0.714218482237921},"Asset Growth":{"score":0.044040450487196424,"percentile":0.5034197060861096},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6548676237441091,"percentile":0.753474883823899}},"source_xml":"201900959349300410_public.xml"},{"Organization":{"value":null,"Person":["RALPH BOOSEL","ROBERT L CLOUSE","RUTH E ORLOWSKY","LORI ALTMAN","JAMES A FERGUSON","DANIEL J GREEN","PATRICIA L WUENSTEL","MATTHEW MCCLELLAND","CYNTHIA BEBLO","CINDY GRAHAM","VICTORIA HINTERBERGER","TONI TASSEY","KEN MCFARLAND","JOHN D GIBSON JR","JAMES A HRABOSKY","DEBORAH J ROGINSKI","RANDALL W CYPHER","DENNIS FEHL"],"Title":["PRESIDENT OF THE BOARD","VICE PRESIDENT OF THE BOAR","TREASURER/SECRETARY/EXECUTIVE COMMITTEE","BOARD MEMBER","BOARD/EXECUTIVE COMMITTEE","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","CREDIT COMMITTEE","CREDIT COMMITTEE","BOARD MEMBER","CREDIT COMMITTEE","BOARD/EXECUTIVE COMMITEE","BOARD MEMBER","BOARD MEMBER","BOARD/EXECUTIVE COMMITTEE","CEO","EXECUTIVE VICE PRESIDENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,249566,154118],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,207040,120190],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,42526,33928]},"Basic":{"value":null,"mission":"The credit union is an association of members dedicated to servicing members'financial needs through the provision of savings accounts, loans, and other financial services.","year":2015,"name":"BUTLER ARMCO EMPLOYEES CREDIT UNION","phone":7242842020,"website":"WWW.BAECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RANDALL W CYPHER","year_formation":1935,"state_legal_domicile":"PA","total_volunteers":15,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"101 HOLLYWOOD DRIVE PO BOX 1589, BUTLER, PA, 160031589, USA","city":"BUTLER","state":"PA","country":"USA","zip_code":160031589},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":69,"Total Gross UBI":6542,"Net unrelated business taxable income":-3265,"Number of employees":69,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"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":10382551,"Contributions":{"value":1731,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":1731,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":10144307,"Total revenue":{"value":10144307,"INTEREST ON LOANS":7315055,"FEES AND CHARGES":1971872,"INSURANCE":441274,"SERVICE INCOME ON LOANS":416106},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":229971,"Investment income total":169847,"Net investment gain":60124,"Income from invest bond proceeds":0},"Other revenues":{"value":6542,"Other total":6542,"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":8156383,"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":3657899,"Current officers":403684,"Disqualified persons":2308623,"Other salaries and wages":0,"Pension plan contributions":150729,"Other employee benefits":567226,"Payroll taxes":227637},"Other expenses":{"value":4498484,"Management services":0,"Legal":54296,"Accounting":22250,"Lobbying services":0,"Investment management fees":0,"Other services":767852,"Advertising":75119,"Office expenses":103499,"Information technology":448207,"Royalties":0,"Occupancy":308473,"Travel":0,"Conferences and meetings":28339,"Interest":639981,"Payments to affiliates":0,"Depreciation and depletion":287992,"Insurance":48132,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1536081,"LOAN SERVICING":627576,"AMORTIZATION OF PENSION":326390,"PROVISION FOR LOAN LOSS":308471,"OTHER EXPENSES":273644},"All other expenses":178263},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":305841270,"Non-interest bearing cash":2965268,"Savings and temp cash investments":94444874,"Pledges and grants receivable":0,"Accounts receivable":999508,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":193755737,"Inventories for sale or use":0,"Prepaid expenses deferred charges":282876,"Land, building, equipment":5473767,"Investments publicly traded":0,"Investments other":3431530,"Investments program related":0,"Intangible assets":0,"Other assets":4487710},"Liabilities":{"value":260080581,"Sum of Total Liabilities":0,"Accounts payable, accrued":806124,"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":259274457},"Fund balance":{"value":45760689,"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":0.2144143573193139,"percentile":0.7703041099692888},"Liabilities to Assets Ratio":{"score":0.8503776517799576,"percentile":0.0721462130038854},"Operating Reserve Ratio":{"score":37.49716878179948,"percentile":0.9745112371846341},"Officer Compensation Ratio":{"score":0.049493016696248816,"percentile":0.7592924606858842},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.04131743088201221,"percentile":0.5683196191554463},"Asset Growth":{"score":0.045678511145083756,"percentile":0.5099142739471244},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.633586859555775,"percentile":0.6997897961016186}},"source_xml":"201630829349300233_public.xml"},{"Organization":{"value":null,"Person":["RALPH BOOSEL","ROBERT L CLOUSE","MICHAEL J KOWAL","LORI ALTMAN","JAMES A FERGUSON","DANIEL J GREEN","ALBERT MCGRATH","MATTHEW MCCLELLAND","CYNTHIA BEBLO","CINDY GRAHAM","DESIREE L ATKINSON","DEBORAH DELANO","RUTH ORLOWSKY","TONI TASSEY","KEN MCFARLAND","RANDALL W CYPHER","DENNIS FEHL"],"Title":["PRESIDENT OF THE BOARD","VICE PRESIDENT OF THE BOAR","TREASURER/SECRETARY","BOARD MEMBER","BOARD MEMBER","SUPERVISOR COMMITTEE","SUPERVISOR COMMITTEE","SUPERVISOR COMMITTEE","CREDIT COMMITTEE","CREDIT COMMITTEE","BOARD MEMBER","BOARD/EXECUTIVE COMMITEE","BOARD/EXECUTIVE COMMITEE","CREDIT COMMITTEE","BOARD/EXECUTIVE COMMITEE","CEO","EXECUTIVE VICE PRESIDENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,212335,141184],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,174579,110234],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,37756,30950]},"Basic":{"value":null,"mission":"The credit union is an association of members dedicated to servicing members'financial needs through the provision of savings accounts, loans, and other financial services.","year":2013,"name":"BUTLER ARMCO EMPLOYEES CREDIT UNION","phone":7242842020,"website":"WWW.BAECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RANDALL W CYPHER","year_formation":1935,"state_legal_domicile":"PA","total_volunteers":15,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"101 HOLLYWOOD DRIVE PO BOX 1589, BUTLER, PA, 160031589, USA","city":"BUTLER","state":"PA","country":"USA","zip_code":160031589},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":61,"Total Gross UBI":6191,"Net unrelated business taxable income":-3362,"Number of employees":61,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"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":9563540,"Contributions":{"value":1533,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":1533,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":9401077,"Total revenue":{"value":9401077,"INTEREST ON LOANS":6787456,"FEES AND CHARGES":1736141,"SERVICE INCOME ON LOAN":565563,"INSURANCE":311917},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":154739,"Investment income total":154739,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":6191,"Other total":6191,"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":6962504,"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":3164151,"Current officers":323450,"Disqualified persons":0,"Other salaries and wages":1887205,"Pension plan contributions":181782,"Other employee benefits":584167,"Payroll taxes":187547},"Other expenses":{"value":3798353,"Management services":0,"Legal":42598,"Accounting":29950,"Lobbying services":0,"Investment management fees":0,"Other services":626126,"Advertising":63152,"Office expenses":88768,"Information technology":353007,"Royalties":0,"Occupancy":247647,"Travel":0,"Conferences and meetings":17806,"Interest":624457,"Payments to affiliates":0,"Depreciation and depletion":227383,"Insurance":58940,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1278187,"LOAN SERVICING":561097,"PROVISION FOR LOAN LOSS":333253,"OTHER EXPENSES":192606,"NCUSI FUND IMPAIRMENT":191231},"All other expenses":140332},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":279174913,"Non-interest bearing cash":3091082,"Savings and temp cash investments":92917910,"Pledges and grants receivable":0,"Accounts receivable":227976,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":172634452,"Inventories for sale or use":0,"Prepaid expenses deferred charges":200371,"Land, building, equipment":5067873,"Investments publicly traded":0,"Investments other":931934,"Investments program related":0,"Intangible assets":0,"Other assets":4103315},"Liabilities":{"value":238984918,"Sum of Total Liabilities":0,"Accounts payable, accrued":606458,"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":238378460},"Fund balance":{"value":40189995,"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":0.27197418529122064,"percentile":0.8169876203436174},"Liabilities to Assets Ratio":{"score":0.8560400912527553,"percentile":0.07135757980967926},"Operating Reserve Ratio":{"score":40.09691240392824,"percentile":0.9762712501508106},"Officer Compensation Ratio":{"score":0.05077469255313893,"percentile":0.7529595169243978},"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":0.6606606757783606,"percentile":0.7673118239142882}},"source_xml":"201400859349300700_public.xml"},{"Organization":{"value":null,"Person":["RALPH BOOSEL","ROBERT L CLOUSE","RUTH E ORLOWSKY","LORI ALTMAN","JAMES A FERGUSON","VICTORIA HINTERBERGER","JOHN D GIBSON JR","JAMES A HRABOSKY","DEBORAH J ROGINSKI","RANDALL W CYPHER","DENNIS FEHL"],"Title":["PRESIDENT OF THE BOARD","VICE PRESIDENT OF THE BOARD","TREASURER/SECRETARY","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","CEO","EXECUTIVE VICE PRESIDENT"],"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":[0,0,0,0,0,0,0,0,0,256058,158966],"Direct compensation":[0,0,0,0,0,0,0,0,0,210252,121166],"Other compensation":[0,0,0,0,0,0,0,0,0,45806,37800]},"Basic":{"value":null,"mission":"The credit union is an association of members dedicated to servicing members'financial needs through the provision of savings accounts, loans, and other financial services.","year":2016,"name":"BUTLER ARMCO EMPLOYEES CREDIT UNION","phone":7242842020,"website":"WWW.BAECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RANDALL W CYPHER","year_formation":1935,"state_legal_domicile":"PA","total_volunteers":15,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"101 HOLLYWOOD DRIVE PO BOX 1589, BUTLER, PA, 160031589, USA","city":"BUTLER","state":"PA","country":"USA","zip_code":160031589},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":69,"Total Gross UBI":6981,"Net unrelated business taxable income":-3154,"Number of employees":69,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"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":11115586,"Contributions":{"value":1599,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":1599,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":10697385,"Total revenue":{"value":10697385,"INTEREST ON LOANS":7596544,"FEES AND CHARGES":2071268,"SERVICE INCOME ON LOANS":526797,"INSURANCE":502776},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":409621,"Investment income total":409621,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":6981,"Other total":6981,"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":8624803,"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":4031867,"Current officers":415024,"Disqualified persons":2464795,"Other salaries and wages":0,"Pension plan contributions":216244,"Other employee benefits":699809,"Payroll taxes":235995},"Other expenses":{"value":4592936,"Management services":0,"Legal":53029,"Accounting":38900,"Lobbying services":0,"Investment management fees":0,"Other services":732372,"Advertising":62947,"Office expenses":142786,"Information technology":480694,"Royalties":0,"Occupancy":266942,"Travel":0,"Conferences and meetings":21590,"Interest":663705,"Payments to affiliates":0,"Depreciation and depletion":295600,"Insurance":57488,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1593305,"LOAN SERVICING":638155,"AMORTIZATION OF PENSION":378038,"OTHER EXPENSES":357003,"PROVISION FOR LOAN LOSS":220109},"All other expenses":183578},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":321147923,"Non-interest bearing cash":2694452,"Savings and temp cash investments":103790880,"Pledges and grants receivable":0,"Accounts receivable":1520730,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":199648291,"Inventories for sale or use":0,"Prepaid expenses deferred charges":264116,"Land, building, equipment":5340484,"Investments publicly traded":0,"Investments other":3103661,"Investments program related":0,"Intangible assets":0,"Other assets":4785309},"Liabilities":{"value":272896453,"Sum of Total Liabilities":0,"Accounts payable, accrued":1196463,"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":271699990},"Fund balance":{"value":48251470,"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":0.2240802239306142,"percentile":0.7791314654983544},"Liabilities to Assets Ratio":{"score":0.8497531307403162,"percentile":0.07222712472121305},"Operating Reserve Ratio":{"score":37.23539227504675,"percentile":0.9743188462851278},"Officer Compensation Ratio":{"score":0.048119823722350526,"percentile":0.7660756993612357},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0514200241723222,"percentile":0.612226825811043},"Asset Growth":{"score":0.04715864034027727,"percentile":0.5157727021803973},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6404158461159375,"percentile":0.7174770412586395}},"source_xml":"201720939349301167_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["SARAH RATTIGAN","DAVID E HILLIARD","VICTORIA HINTERBERGER","EDWARD NATALI","MATTHEW STEWART","LORI E ALTMAN","JAMES A HRABOSKY","JOHN D GIBSON JR","DAVID R BACHER","CHRISTOPHER LUNN","RANDALL W CYPHER","DENNIS FEHL","JOSEPH MALLOY","ADAM BOOSEL","RAY MUTH","MARK BUCHEK"],"Title":["BOARD MEMBER","BOARD MEMBER","VICE PRESIDENT","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","PRESIDENT (THRU 9/24)","PRESIDENT OF THE BOARD","TREASURER/SECRETARY","BOARD MEMBER","CEO","EXECUTIVE VICE PRESIDENT","GENERAL MANAGER OF OPERATIONS","ASSISTANT EXECUTIVE VICE P","IT MANAGER","COMMERCIAL LOAN MANAGER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,48313,0,0,0,418971,268754,151615,193423,195271,162804],"Direct compensation":[0,0,0,0,0,0,41400,0,0,0,369941,227398,116404,161521,157128,126785],"Other compensation":[0,0,0,0,0,0,6913,0,0,0,49030,41356,35211,31902,38143,36019]},"Basic":{"value":null,"mission":"The credit union is an association of members dedicated to servicing members'financial needs through the provision of savings accounts, loans, and other financial services.","year":2024,"name":"ARMCO CREDIT UNION","phone":7242842020,"website":"WWW.ARMCOCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RANDALL W CYPHER","year_formation":1935,"state_legal_domicile":"PA","total_volunteers":17,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"101 HOLLYWOOD DRIVE PO BOX 1589, BUTLER, PA, 160031589, USA","city":"BUTLER","state":"PA","country":"USA","zip_code":160031589},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":110,"Total Gross UBI":15780,"Net unrelated business taxable income":0,"Number of employees":110,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"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":31751506,"Contributions":{"value":16,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":16,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":25908366,"Total revenue":{"value":25908366,"INTEREST ON LOANS":20860055,"FEES AND CHARGES":4033112,"INSURANCE":852724,"SERVICE INCOME ON LOANS":162475},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":5363269,"Investment income total":5363269,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":479855,"Other total":479855,"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":24543471,"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":8413100,"Current officers":713744,"Disqualified persons":0,"Other salaries and wages":5434082,"Pension plan contributions":365954,"Other employee benefits":1412628,"Payroll taxes":486692},"Other expenses":{"value":16130371,"Management services":0,"Legal":91661,"Accounting":49730,"Lobbying services":0,"Investment management fees":0,"Other services":1729926,"Advertising":246674,"Office expenses":214858,"Information technology":845588,"Royalties":0,"Occupancy":445960,"Travel":0,"Conferences and meetings":10223,"Interest":9849143,"Payments to affiliates":0,"Depreciation and depletion":472427,"Insurance":109104,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2065077,"OTHER EXPENSES":1224356,"LOAN SERVICING":554229,"POSTAGE AND SHIPPING":286492},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":617085524,"Non-interest bearing cash":3462011,"Savings and temp cash investments":162809040,"Pledges and grants receivable":0,"Accounts receivable":286340,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":418558049,"Inventories for sale or use":0,"Prepaid expenses deferred charges":430807,"Land, building, equipment":12066728,"Investments publicly traded":0,"Investments other":4405785,"Investments program related":0,"Intangible assets":0,"Other assets":15066764},"Liabilities":{"value":535598261,"Sum of Total Liabilities":0,"Accounts payable, accrued":1176657,"Grants payable":0,"Deferred, revenue":457250,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":89000,"Unsecured notes loans payable":0,"Other liabilities":533875354},"Fund balance":{"value":81487263,"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":0.22701395644036537,"percentile":0.7817666490919826},"Liabilities to Assets Ratio":{"score":0.867948185736407,"percentile":0.06966539829868264},"Operating Reserve Ratio":{"score":25.14255314580403,"percentile":0.9591060209257438},"Officer Compensation Ratio":{"score":0.05863681628405371,"percentile":0.7156514600153256},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10479009771086195,"percentile":0.7744765949083542},"Asset Growth":{"score":0.07336127744842494,"percentile":0.608434050768372},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6586638297907331,"percentile":0.7626301825280184}},"source_xml":"202511569349300311_public.xml"},"sector":"Public, Societal Benefit","donation_categories":[],"zakat_policy":null},"error":null}