{"success":true,"data":{"_id":310616172,"filings":[{"Organization":{"value":null,"Person":["CECIL M DUNAWAY","GEORGE M LEWIS","RICHARD P LONG","ALLEN R NORRIS","HERMAN L PANSTINGEL","DON KILEY","MIKE ROGERS","THOMAS D KEYES","STEVEN D SHORE","VICKIE L WADE","WILLIAM F PELSOR","CHRISTOPHER SADLIER"],"Title":["DIRECTOR","DIRECTOR","CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","COO","PRESIDENT & CEO","OPERATIONS MANAGER","DIRECTOR OF LENDING","DIRECTOR OF FINANCE"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,90550,119619,60200,73050,52850],"Direct compensation":[0,0,0,0,0,0,0,90550,119619,60200,73050,52850],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"State chartered credit union organized to provide members with financial services and products.","year":2017,"name":"DAYMET CREDIT UNION","phone":9372362562,"website":"WWW.DAYMETCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEVEN SHORE","year_formation":1957,"state_legal_domicile":"OH","total_volunteers":10,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"PO BOX 13087, DAYTON, OH, 45413, USA","city":"DAYTON","state":"OH","country":"USA","zip_code":45413},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":32,"Total Gross UBI":210799,"Net unrelated business taxable income":-480320,"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":4627130,"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":4416838,"Total revenue":{"value":4416838,"INTEREST ON LOANS":3326300,"FEES AND CHARGES":603114,"OTHER INCOME":487424},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":210292,"Investment income total":209428,"Net investment gain":864,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"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":4488984,"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":1462378,"Current officers":396269,"Disqualified persons":0,"Other salaries and wages":661454,"Pension plan contributions":16342,"Other employee benefits":281760,"Payroll taxes":106553},"Other expenses":{"value":3026606,"Management services":0,"Legal":47302,"Accounting":55047,"Lobbying services":0,"Investment management fees":0,"Other services":21642,"Advertising":75240,"Office expenses":282559,"Information technology":0,"Royalties":0,"Occupancy":138953,"Travel":64629,"Conferences and meetings":6425,"Interest":436263,"Payments to affiliates":0,"Depreciation and depletion":185336,"Insurance":81880,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1601909,"BANK CHARGES & PROCESSI":844018,"PROVISION FOR LOAN LOSS":477313,"LOAN PROCESSING":208581,"OTHER COSTS":71997},"All other expenses":29421},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":91765288,"Non-interest bearing cash":3993135,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":69613992,"Inventories for sale or use":0,"Prepaid expenses deferred charges":53799,"Land, building, equipment":1695993,"Investments publicly traded":0,"Investments other":0,"Investments program related":10591388,"Intangible assets":0,"Other assets":5816981},"Liabilities":{"value":82754756,"Sum of Total Liabilities":0,"Accounts payable, accrued":855000,"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":81899756},"Fund balance":{"value":9010532,"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":0.029855655665606974,"percentile":0.4775034193188509},"Liabilities to Assets Ratio":{"score":0.9018089280120823,"percentile":0.06437028970901279},"Operating Reserve Ratio":{"score":20.44232904372125,"percentile":0.9473392560898691},"Officer Compensation Ratio":{"score":0.08827587712497972,"percentile":0.5930476809567742},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07165528427137983,"percentile":0.6869172314298665},"Asset Growth":{"score":0.03204164528609619,"percentile":0.4544815321853289},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.574507402168726,"percentile":0.5302555824223865}},"source_xml":"201803189349302905_public.xml"},{"Organization":{"value":null,"Person":["RICHARD LONG","BRADLEY RICE","GEORGE LEWIS","HERMAN PANSTINGEL","CECIL DUNAWAY","DAVID FECKE","JOHN HICKS","JANE SCHANK"],"Title":["CHAIRMAN","VICE CHAIR","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","CEO"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0],"Total Compensation":[0,0,1800,0,0,0,0,112613],"Direct compensation":[0,0,1800,0,0,0,0,94893],"Other compensation":[0,0,0,0,0,0,0,17720]},"Basic":{"value":null,"mission":"State chartered credit union organized to provide members with financial services and products.","year":2014,"name":"DAY MET CREDIT UNION INC","phone":9372362562,"website":"DAYMETCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JANE SCHANK","year_formation":1957,"state_legal_domicile":"OH","total_volunteers":7,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"PO BOX 13087, DAYTON, OH, 45413, USA","city":"DAYTON","state":"OH","country":"USA","zip_code":45413},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":28,"Total Gross UBI":146852,"Net unrelated business taxable income":-414284,"Number of employees":28,"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":3389592,"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":2975646,"Total revenue":{"value":2965430,"INTEREST ON LOANS":2046390,"FEES, CHARGES & OTHER":743470,"LIFE INSURANCE":126796,"AD&D & CREDIT LIFE INSURANCE":33804,"NON-MEMBER ATM FEES":14970},"Total other revenue":10216,"Unrelated business revenue":0},"Investment income":{"value":413946,"Investment income total":478849,"Net investment gain":-64903,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"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":3319167,"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":1251852,"Current officers":114413,"Disqualified persons":0,"Other salaries and wages":784106,"Pension plan contributions":24117,"Other employee benefits":238366,"Payroll taxes":90850},"Other expenses":{"value":2067315,"Management services":0,"Legal":1224,"Accounting":26400,"Lobbying services":0,"Investment management fees":0,"Other services":578590,"Advertising":127622,"Office expenses":408813,"Information technology":0,"Royalties":0,"Occupancy":154904,"Travel":41653,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":95752,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":578639,"LOAN SERVICING":274985,"COST OF FUNDS":177495,"PROVISION FOR LOAN LOSS":97165,"EXPENSES OF OTHER REAL":28994},"All other expenses":53718},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":81496319,"Non-interest bearing cash":1906238,"Savings and temp cash investments":833708,"Pledges and grants receivable":0,"Accounts receivable":33156,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":49112492,"Inventories for sale or use":0,"Prepaid expenses deferred charges":209044,"Land, building, equipment":2014689,"Investments publicly traded":0,"Investments other":0,"Investments program related":23582171,"Intangible assets":0,"Other assets":3804821},"Liabilities":{"value":72555767,"Sum of Total Liabilities":0,"Accounts payable, accrued":1123598,"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":1062000,"Unsecured notes loans payable":0,"Other liabilities":70370169},"Fund balance":{"value":8940552,"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":0.020776836858241346,"percentile":0.4543172683601271},"Liabilities to Assets Ratio":{"score":0.8902950205640576,"percentile":0.06624109151750233},"Operating Reserve Ratio":{"score":24.553244533944813,"percentile":0.9578833686757302},"Officer Compensation Ratio":{"score":0.034470395734833466,"percentile":0.83617470075168},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5027919112765572,"percentile":0.3284510406502862}},"source_xml":"201532669349300953_public.xml"},{"Organization":{"value":null,"Person":["AMELIA V LAW","ALLEN R NORRIS","MIKE ROGERS","VALERIE TAMBOER","DON KILEY","THOMAS D KEYES","STEVEN D SHORE"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","COO","PRESIDENT & CEO"],"Hours":[0.0,0.0,0.0,0.0,0.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,151543],"Direct compensation":[0,0,0,0,0,0,151543],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"State chartered credit union organized to provide members with financial services and products.","year":2019,"name":"DAYMET CREDIT UNION","phone":9372362562,"website":"WWW.DAYMETCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEVEN SHORE","year_formation":1957,"state_legal_domicile":"OH","total_volunteers":0,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"PO BOX 13087, DAYTON, OH, 45413, USA","city":"DAYTON","state":"OH","country":"USA","zip_code":45413},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":27,"Total Gross UBI":198825,"Net unrelated business taxable income":-468113,"Number of employees":27,"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":5042687,"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":4603542,"Total revenue":{"value":4603542,"INTEREST ON LOANS":3561043,"FEES AND CHARGES":583208,"OTHER INCOME":459291},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":439145,"Investment income total":427312,"Net investment gain":11833,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"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":5684294,"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":1393172,"Current officers":151543,"Disqualified persons":0,"Other salaries and wages":1241629,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":4291122,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":697327,"Advertising":119776,"Office expenses":468629,"Information technology":0,"Royalties":0,"Occupancy":276966,"Travel":40647,"Conferences and meetings":0,"Interest":703787,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":23661,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1935239,"PROVISION FOR LOAN LOSS":1483556,"BANK CHARGES & PROCESSI":210849,"LOAN PROCESSING":191705,"OTHER COSTS":49129},"All other expenses":25090},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":90142508,"Non-interest bearing cash":7923642,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":66449961,"Inventories for sale or use":0,"Prepaid expenses deferred charges":211434,"Land, building, equipment":1578000,"Investments publicly traded":5717842,"Investments other":4514338,"Investments program related":0,"Intangible assets":0,"Other assets":3747291},"Liabilities":{"value":81785229,"Sum of Total Liabilities":0,"Accounts payable, accrued":215166,"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":81570063},"Fund balance":{"value":8357279,"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":-0.1272351426927747,"percentile":0.19832599605558057},"Liabilities to Assets Ratio":{"score":0.9072881464536132,"percentile":0.06344994452938468},"Operating Reserve Ratio":{"score":15.858171305002873,"percentile":0.9302196994943069},"Officer Compensation Ratio":{"score":0.026659951086273864,"percentile":0.8774460366477546},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07921090154297941,"percentile":0.710207396669122},"Asset Growth":{"score":0.020968757061656337,"percentile":0.4079541844894636},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5382300959695336,"percentile":0.4233801690790485}},"source_xml":"202032699349300638_public.xml"},{"Organization":{"value":null,"Person":["STEVEN SHORE","ZACHARY CLARK","CARLA MARQUETTE","JAMIE CROOKS","TYRONE MCGUFFEY","MARY ANN KABEL","MIKE ROGERS","AMELIA LAW","JESSICA OSBOURNE","ANDREW STALLARD"],"Title":["PRESIDENTCEO","CHIEF OPERATIONS OFFICER","VP FINANCE","CHIEF MARKETING OFFICER","DIRECTOR","DIRECTOR","CHAIRPERSON OF THE BOARD","VICE CHAIRPERSON OF THE BOARD","TREASURERFINANCIAL SECRETARY","DIRECTOR"],"Hours":[40.0,40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[369286,184502,139559,115581,0,0,0,0,0,0],"Direct compensation":[232433,146684,134621,115581,0,0,0,0,0,0],"Other compensation":[136853,37818,4938,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Daymet credit union contributes to prosperity and financial growth through innovative services, support and education.","year":2024,"name":"DAYMET CREDIT UNION","phone":null,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1957,"state_legal_domicile":"OH","total_volunteers":6,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO BOX 13087, Dayton, OH, 45413, USA","city":"Dayton","state":"OH","country":"USA","zip_code":45413},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":26,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":26,"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":7666720,"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":7251438,"Total revenue":{"value":7251438,"INTEREST ON LOANS":5715143,"OTHER INCOME":1536295},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":415282,"Investment income total":415282,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"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":7274159,"Grant expense":{"value":50,"Grants to domestic orgs":50,"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":2455323,"Current officers":629319,"Disqualified persons":0,"Other salaries and wages":1188041,"Pension plan contributions":82048,"Other employee benefits":417454,"Payroll taxes":138461},"Other expenses":{"value":4818786,"Management services":0,"Legal":13765,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":161299,"Advertising":151547,"Office expenses":163213,"Information technology":316137,"Royalties":0,"Occupancy":153309,"Travel":13545,"Conferences and meetings":0,"Interest":2484848,"Payments to affiliates":0,"Depreciation and depletion":211773,"Insurance":52415,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1067473,"ASSOCIATION DUES":8470,"LOAN SERVICING":822401,"PROVISION FOR LOAN LOSS":209613,"SUPERVISORY":26989},"All other expenses":29462},"Functional Expenses":{"value":null,"Program Service Expenses":7274159,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":122660938,"Non-interest bearing cash":1448509,"Savings and temp cash investments":5812856,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":3571876,"Receivables from disqual persons":0,"Other net note and loans":95620318,"Inventories for sale or use":0,"Prepaid expenses deferred charges":851852,"Land, building, equipment":1967077,"Investments publicly traded":7074552,"Investments other":1880500,"Investments program related":0,"Intangible assets":0,"Other assets":4433398},"Liabilities":{"value":112777256,"Sum of Total Liabilities":0,"Accounts payable, accrued":428825,"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":112348431},"Fund balance":{"value":9883682,"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":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.05120325249911305,"percentile":0.5276481302322813},"Liabilities to Assets Ratio":{"score":0.9194227423892682,"percentile":0.06147856638366001},"Operating Reserve Ratio":{"score":16.86255936940614,"percentile":0.9346016447400995},"Officer Compensation Ratio":{"score":0.11120570776635484,"percentile":0.5161405330378253},"Program Expense Growth":{"score":0.4257130671707805,"percentile":0.9113128437764835},"Revenue Growth":{"score":0.07018999195756458,"percentile":0.6820620457012344},"Asset Growth":{"score":0.04149262339487026,"percentile":0.49332081426993796},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7717547467922424,"percentile":0.9381849350339764}},"source_xml":"202541349349307229_public.xml"},{"Organization":{"value":null,"Person":["RICHARD LONG","CECIL DUNAWAY","BRADLEY RICE","GEORGE LEWIS","ALLEN NORRIS","HERMAN PANSTINGEL","JOHN HICKS","NIRAJ PATEL","THOMAS KEYES","JANE SCHANK","RICHARD VALENTINE","STEVEN SHORE"],"Title":["CHAIRMAN","VICE CHAIRMAN","VICE CHAIRMAN (TO 03/15)","TREASURER","SECRETARY (BEG. 03/15)","DIRECTOR","DIRECTOR","DIRECTOR","COO/INTERIM CEO (10/15-12/15)","CEO (01/15-04/15)","CEO (04/15-10/15)","CEO (BEG. 12/15)"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,1800,0,0,0,0,144471,125174,68237,0],"Direct compensation":[0,0,0,1800,0,0,0,0,84471,125174,68237,0],"Other compensation":[0,0,0,0,0,0,0,0,60000,0,0,0]},"Basic":{"value":null,"mission":"State chartered credit union organized to provide members with financial services and products.","year":2015,"name":"DAY MET CREDIT UNION INC","phone":9372362562,"website":"DAYMETCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEVEN D SHORE","year_formation":1957,"state_legal_domicile":"OH","total_volunteers":8,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"PO BOX 13087, DAYTON, OH, 45413, USA","city":"DAYTON","state":"OH","country":"USA","zip_code":45413},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":33,"Total Gross UBI":157566,"Net unrelated business taxable income":-231339,"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":3468254,"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":3092251,"Total revenue":{"value":3081907,"INTEREST ON LOANS":2179189,"FEES, CHARGES & OTHER":726778,"LIFE INSURANCE":132253,"AD&D & CREDIT LIFE INSURANCE":23768,"NON-MEMBER ATM FEES":19919},"Total other revenue":10344,"Unrelated business revenue":0},"Investment income":{"value":376003,"Investment income total":377757,"Net investment gain":-1754,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"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":3594270,"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":1187092,"Current officers":279682,"Disqualified persons":0,"Other salaries and wages":590924,"Pension plan contributions":14842,"Other employee benefits":210177,"Payroll taxes":91467},"Other expenses":{"value":2407178,"Management services":0,"Legal":48011,"Accounting":30700,"Lobbying services":0,"Investment management fees":0,"Other services":658314,"Advertising":153390,"Office expenses":446743,"Information technology":0,"Royalties":0,"Occupancy":163298,"Travel":40299,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":104654,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":700977,"LOAN SERVICING":280631,"COST OF FUNDS":236804,"PROVISION FOR LOAN LOSS":140431,"OTHER-MISC.":43111},"All other expenses":60792},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":85359627,"Non-interest bearing cash":2895547,"Savings and temp cash investments":756861,"Pledges and grants receivable":0,"Accounts receivable":124261,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":52378018,"Inventories for sale or use":0,"Prepaid expenses deferred charges":196269,"Land, building, equipment":1899333,"Investments publicly traded":0,"Investments other":0,"Investments program related":23308592,"Intangible assets":0,"Other assets":3800746},"Liabilities":{"value":76483635,"Sum of Total Liabilities":0,"Accounts payable, accrued":1534418,"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":74949217},"Fund balance":{"value":8875992,"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":-0.036334132390534256,"percentile":0.3076180447100778},"Liabilities to Assets Ratio":{"score":0.8960165090693285,"percentile":0.06532422861431617},"Operating Reserve Ratio":{"score":23.74880768556619,"percentile":0.95611042186757},"Officer Compensation Ratio":{"score":0.09450653401107874,"percentile":0.5707248722495747},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.01565063494156575,"percentile":0.3104331619656027},"Asset Growth":{"score":0.017284125878246924,"percentile":0.39239693991326186},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.43239151881253085,"percentile":0.1774498073447574}},"source_xml":"201623199349305187_public.xml"},{"Organization":{"value":null,"Person":["AMELIA V LAW","ALLEN R NORRIS","MIKE ROGERS","DON KILEY","JESSICA A OSBOURNE","STEVEN D SHORE"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT & CEO"],"Hours":[0.0,0.0,0.0,0.0,0.0,40.0],"Total Compensation":[0,0,0,0,0,263187],"Direct compensation":[0,0,0,0,0,160981],"Other compensation":[0,0,0,0,0,102206]},"Basic":{"value":null,"mission":"State chartered credit union organized to provide members with financial services and products.","year":2020,"name":"DAYMET CREDIT UNION","phone":9372362562,"website":"WWW.DAYMETCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEVEN SHORE","year_formation":1957,"state_legal_domicile":"OH","total_volunteers":0,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"PO BOX 13087, DAYTON, OH, 45413, USA","city":"DAYTON","state":"OH","country":"USA","zip_code":45413},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":27,"Total Gross UBI":219507,"Net unrelated business taxable income":0,"Number of employees":27,"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":4645954,"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":4431947,"Total revenue":{"value":4431947,"INTEREST ON LOANS":3327018,"OTHER INCOME":578909,"FEES AND CHARGES":526020},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":214007,"Investment income total":214007,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"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":4432085,"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":1558385,"Current officers":160981,"Disqualified persons":0,"Other salaries and wages":1397404,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":2873700,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":711170,"Advertising":108464,"Office expenses":320453,"Information technology":0,"Royalties":0,"Occupancy":76082,"Travel":12146,"Conferences and meetings":0,"Interest":654262,"Payments to affiliates":0,"Depreciation and depletion":183159,"Insurance":42143,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":740425,"PROVISION FOR LOAN LOSS":322948,"LOAN PROCESSING":194839,"BANK CHARGES & PROCESSI":174970,"OTHER COSTS":47668},"All other expenses":25396},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":100862968,"Non-interest bearing cash":16048411,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":70390637,"Inventories for sale or use":0,"Prepaid expenses deferred charges":247607,"Land, building, equipment":1507626,"Investments publicly traded":5397614,"Investments other":3414338,"Investments program related":0,"Intangible assets":0,"Other assets":3856735},"Liabilities":{"value":92270514,"Sum of Total Liabilities":0,"Accounts payable, accrued":564064,"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":91706450},"Fund balance":{"value":8592454,"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":0.04603338733013715,"percentile":0.5159909584466398},"Liabilities to Assets Ratio":{"score":0.9148106171137061,"percentile":0.062205542800864586},"Operating Reserve Ratio":{"score":22.757453433316375,"percentile":0.9537360514071717},"Officer Compensation Ratio":{"score":0.05938220950184845,"percentile":0.7121584999025663},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06085068525266399,"percentile":0.6492496467517822},"Asset Growth":{"score":0.025920707744224995,"percentile":0.42886548744864833},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5840649837010197,"percentile":0.5585252169683802}},"source_xml":"202113169349302731_public.xml"},{"Organization":{"value":null,"Person":["CECIL M DUNAWAY","GEORGE M LEWIS","RICHARD P LONG","ALLEN R NORRIS","HERMAN L PANSTINGEL","DON KILEY","MIKE ROGERS","THOMAS D KEYES","STEVEN D SHORE","VICKIE L WADE","WILLIAM F PELSOR","CHRISTOPHER SADLIER"],"Title":["DIRECTOR","DIRECTOR","CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","COO","PRESIDENT & CEO","OPERATIONS MANAGER","DIRECTOR OF LENDING","DIRECTOR OF FINANCE"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,146595,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,0,146595,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"State chartered credit union organized to provide members with financial services and products.","year":2018,"name":"DAYMET CREDIT UNION","phone":9372362562,"website":"WWW.DAYMETCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEVEN SHORE","year_formation":1957,"state_legal_domicile":"OH","total_volunteers":0,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"PO BOX 13087, DAYTON, OH, 45413, USA","city":"DAYTON","state":"OH","country":"USA","zip_code":45413},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":27,"Total Gross UBI":344130,"Net unrelated business taxable income":-628057,"Number of employees":27,"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":5269266,"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":4934107,"Total revenue":{"value":4934107,"INTEREST ON LOANS":3656732,"OTHER INCOME":683063,"FEES AND CHARGES":594312},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":335159,"Investment income total":341116,"Net investment gain":-5957,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"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":5228742,"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":1390096,"Current officers":146595,"Disqualified persons":0,"Other salaries and wages":1077590,"Pension plan contributions":2247,"Other employee benefits":50379,"Payroll taxes":113285},"Other expenses":{"value":3838646,"Management services":0,"Legal":8189,"Accounting":34125,"Lobbying services":0,"Investment management fees":0,"Other services":16787,"Advertising":77872,"Office expenses":306581,"Information technology":0,"Royalties":0,"Occupancy":142529,"Travel":68457,"Conferences and meetings":8026,"Interest":577360,"Payments to affiliates":0,"Depreciation and depletion":185336,"Insurance":57821,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2324987,"PROVISION FOR LOAN LOSS":1042715,"BANK CHARGES & PROCESSI":930939,"LOAN PROCESSING":251093,"OTHER COSTS":100240},"All other expenses":30576},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":92577243,"Non-interest bearing cash":1720553,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":74089427,"Inventories for sale or use":0,"Prepaid expenses deferred charges":189438,"Land, building, equipment":1635277,"Investments publicly traded":7753291,"Investments other":2926503,"Investments program related":0,"Intangible assets":0,"Other assets":4262754},"Liabilities":{"value":83622913,"Sum of Total Liabilities":0,"Accounts payable, accrued":453284,"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":3001438,"Unsecured notes loans payable":0,"Other liabilities":80168191},"Fund balance":{"value":8954330,"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":0.007690634710792736,"percentile":0.41845777969172226},"Liabilities to Assets Ratio":{"score":0.9032772017200814,"percentile":0.06413083199368111},"Operating Reserve Ratio":{"score":17.705452477861787,"percentile":0.9379571683697235},"Officer Compensation Ratio":{"score":0.02803638045250655,"percentile":0.8702378993009684},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0895983309904217,"percentile":0.7388608875342224},"Asset Growth":{"score":0.028284891946374627,"percentile":0.4388463471875704},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5843765533435099,"percentile":0.5594363471758064}},"source_xml":"201913179349304461_public.xml"},{"Organization":{"value":null,"Person":["AMELIA V LAW","ALLEN R NORRIS","MIKE ROGERS","DON KILEY","JESSICA A OSBOURNE","TYRONE MCGUFFEY","MARY ANN KABEL","ZACHARY CLARK","CHRISTOPHER SADLIER","JAIME CROOKS","STEVEN D SHORE"],"Title":["DIRECTOR","RECORDING SECRETARY","VICE CHAIR","CHAIRMAN OF THE BOARD","TREASURER/FINANICAL SECRETARY","DIRECTOR","DIRECTOR","SVP OF OPERATIONS","DIRECTOR OF FINANCE","VP OF MARKETING","PRESIDENT & CEO"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,132785,123613,106941,224349],"Direct compensation":[0,0,0,0,0,0,0,132785,123613,106941,224349],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"State chartered credit union organized to provide members with financial services and products.","year":2022,"name":"DAYMET CREDIT UNION","phone":9372362562,"website":"WWW.DAYMETCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEVEN SHORE","year_formation":1957,"state_legal_domicile":"OH","total_volunteers":0,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"PO BOX 13087, DAYTON, OH, 45413, USA","city":"DAYTON","state":"OH","country":"USA","zip_code":45413},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":29,"Total Gross UBI":0,"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":5514846,"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":5202900,"Total revenue":{"value":5202900,"INTEREST ON LOANS":3967490,"OTHER INCOME":1235410},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":311946,"Investment income total":311946,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"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":4902039,"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":2102389,"Current officers":587688,"Disqualified persons":0,"Other salaries and wages":1514701,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":2799650,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":64316,"Advertising":132887,"Office expenses":344490,"Information technology":0,"Royalties":0,"Occupancy":147628,"Travel":0,"Conferences and meetings":0,"Interest":554985,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":63519,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1445331,"BANK CHARGES & PROCESSI":951775,"LOAN PROCESSING":222394,"PROVISION FOR LOAN LOSS":176881,"OTHER COSTS":94281},"All other expenses":46494},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":121460418,"Non-interest bearing cash":1552853,"Savings and temp cash investments":8745781,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":1258473,"Receivables from disqual persons":0,"Other net note and loans":89864696,"Inventories for sale or use":0,"Prepaid expenses deferred charges":3629335,"Land, building, equipment":1273991,"Investments publicly traded":10305267,"Investments other":3201920,"Investments program related":0,"Intangible assets":0,"Other assets":1628102},"Liabilities":{"value":112882866,"Sum of Total Liabilities":0,"Accounts payable, accrued":795690,"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":1000940,"Other liabilities":111086236},"Fund balance":{"value":8577552,"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":0.11111951267542194,"percentile":0.6417617700281596},"Liabilities to Assets Ratio":{"score":0.929379857724514,"percentile":0.06009323487913633},"Operating Reserve Ratio":{"score":24.77752992173257,"percentile":0.9583572727296611},"Officer Compensation Ratio":{"score":0.11988643909197785,"percentile":0.4902041320663213},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.05624905618154972,"percentile":0.6317337985263103},"Asset Growth":{"score":0.03966121655126386,"percentile":0.4859041383279873},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5957450008277483,"percentile":0.5929673786987917}},"source_xml":"202333189349309153_public.xml"},{"Organization":{"value":null,"Person":["RICHARD LONG","BRADLEY RICE","GEORGE LEWIS","JOHN HICKS","CECIL DUNAWAY","DAVID FECKE","HERMAN PANSTINGEL","JANE SCHANK"],"Title":["CHAIRMAN","VICE CHAIR","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","CEO"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0],"Total Compensation":[0,0,2100,0,0,0,0,113000],"Direct compensation":[0,0,2100,0,0,0,0,91371],"Other compensation":[0,0,0,0,0,0,0,21629]},"Basic":{"value":null,"mission":"State chartered credit union organized to provide members with financial services and products.","year":2013,"name":"DAY MET CREDIT UNION INC","phone":9372362562,"website":"DAYMETCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JANE SCHANK","year_formation":1957,"state_legal_domicile":"OH","total_volunteers":7,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"PO BOX 13087, DAYTON, OH, 45413, USA","city":"DAYTON","state":"OH","country":"USA","zip_code":45413},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":26,"Total Gross UBI":141461,"Net unrelated business taxable income":-390555,"Number of employees":26,"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":3577130,"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":3058677,"Total revenue":{"value":3042226,"INTEREST ON LOANS":2098919,"FEES, CHARGES & OTHER":777247,"LIFE INSURANCE":122577,"AD&D & CREDIT LIFE INSURANCE":29780,"NON-MEMBER ATM FEES":13703},"Total other revenue":16451,"Unrelated business revenue":0},"Investment income":{"value":518453,"Investment income total":551758,"Net investment gain":-33305,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"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":3570479,"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":1225297,"Current officers":115100,"Disqualified persons":0,"Other salaries and wages":796595,"Pension plan contributions":20635,"Other employee benefits":206966,"Payroll taxes":86001},"Other expenses":{"value":2345182,"Management services":0,"Legal":5086,"Accounting":28800,"Lobbying services":0,"Investment management fees":0,"Other services":646920,"Advertising":123837,"Office expenses":397402,"Information technology":0,"Royalties":0,"Occupancy":171030,"Travel":15326,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":93355,"Insurance":58954,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":723965,"LOAN SERVICING":335100,"COST OF FUNDS":294841,"PROVISION FOR LOAN LOSS":56471,"EXPENSES OF OTHER REAL":37553},"All other expenses":80507},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":82486516,"Non-interest bearing cash":956777,"Savings and temp cash investments":579797,"Pledges and grants receivable":0,"Accounts receivable":28778,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":46217356,"Inventories for sale or use":0,"Prepaid expenses deferred charges":168923,"Land, building, equipment":2006822,"Investments publicly traded":0,"Investments other":0,"Investments program related":28804716,"Intangible assets":0,"Other assets":3723347},"Liabilities":{"value":73874675,"Sum of Total Liabilities":0,"Accounts payable, accrued":1085897,"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":1462016,"Unsecured notes loans payable":0,"Other liabilities":71326762},"Fund balance":{"value":8611841,"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":0.001859311794651019,"percentile":0.40080327243742664},"Liabilities to Assets Ratio":{"score":0.8955969846029138,"percentile":0.06539244026462024},"Operating Reserve Ratio":{"score":23.102366937321296,"percentile":0.9545929184385862},"Officer Compensation Ratio":{"score":0.0322365710595133,"percentile":0.8480513512021947},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.49138859494763093,"percentile":0.3008631538824126}},"source_xml":"201412459349300531_public.xml"},{"Organization":{"value":null,"Person":["ZACHARY CLARK","STEVEN SHORE","JAIME CROOKS","CHRISTOPHER SADLIER","CARLA MARQUETTE","ADAM RANDALL","TYRONE MCGUFFEY","MARY ANN KABEL","MIKE ROGERS","AMELIA LAW","JESSICA OSBOURNE","ANDREW STALLARD"],"Title":["CHEIF OPERATIONS OFFICER","PRESIDENTCEO","CHIEF MARKETING OFFICER","DIRECTOR OF FINANCE","VP FINANCE","VP FINANCE","DIRECTOR","DIRECTOR","CHAIRPERSON OF THE BOARD","VICE CHAIRPERSON OF THE BOARD","TREASURERFINANCIAL SECRETARY","DIRECTOR"],"Hours":[40.0,40.0,40.0,40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[248008,242132,118342,81156,77219,18773,0,0,0,0,0,0],"Direct compensation":[141768,231829,112701,77531,76018,18773,0,0,0,0,0,0],"Other compensation":[106240,10303,5641,3625,1201,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Day met credit union, inc. contributes to prosperity and financial growth through innovative services, support and education.","year":2023,"name":"DAYMET CREDIT UNION","phone":null,"website":"WWW.DAYMETCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1957,"state_legal_domicile":"OH","total_volunteers":6,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"PO BOX 13087, Dayton, OH, 45413, USA","city":"Dayton","state":"OH","country":"USA","zip_code":45413},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":34,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":34,"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":6751580,"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":6410965,"Total revenue":{"value":6410965,"INTEREST ON LOANS":4919786,"OTHER INCOME":1491179},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":340615,"Investment income total":340615,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"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":6118989,"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":2411652,"Current officers":658619,"Disqualified persons":0,"Other salaries and wages":1082780,"Pension plan contributions":670253,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":3707337,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":477234,"Advertising":166177,"Office expenses":217440,"Information technology":0,"Royalties":0,"Occupancy":287755,"Travel":18408,"Conferences and meetings":0,"Interest":1709986,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":830337,"PROVISION FOR LOAN LOSS":151802,"ASSOCIATION DUES":7446,"LOAN SERVICING":635618,"MISCELLANEOUS":35471},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":6118989,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":120631661,"Non-interest bearing cash":901507,"Savings and temp cash investments":6907169,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":1801734,"Receivables from disqual persons":0,"Other net note and loans":90913964,"Inventories for sale or use":0,"Prepaid expenses deferred charges":3663493,"Land, building, equipment":1883040,"Investments publicly traded":9835451,"Investments other":3228419,"Investments program related":0,"Intangible assets":0,"Other assets":1496884},"Liabilities":{"value":111408699,"Sum of Total Liabilities":0,"Accounts payable, accrued":542218,"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":110866481},"Fund balance":{"value":9222962,"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":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.09369525355546406,"percentile":0.6122093986584408},"Liabilities to Assets Ratio":{"score":0.9235444333308152,"percentile":0.060869372846109604},"Operating Reserve Ratio":{"score":19.714312446059306,"percentile":0.9450540078843892},"Officer Compensation Ratio":{"score":0.12839212490821605,"percentile":0.4663165241139764},"Program Expense Growth":{"score":0.5294705294705294,"percentile":0.9379953401925105},"Revenue Growth":{"score":0.06367752073383888,"percentile":0.6595723057876715},"Asset Growth":{"score":0.041802707978909025,"percentile":0.494575991490476},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7846624996895901,"percentile":0.9486789311938706}},"source_xml":"202433189349303033_public.xml"},{"Organization":{"value":null,"Person":["CECIL M DUNAWAY","JOHN M HICKS","GEORGE M LEWIS","RICHARD P LONG","ALAN R NORRIS","HERMAN L PANSTINGEL","NIRAJ J PATEL","THOMAS D KEYES","STEVEN D SHORE"],"Title":["VICE CHAIRMAN","FINANCIAL SECRETARY","DIRECTOR","CHAIRMAN","RECORDING SECRETARY","DIRECTOR","DIRECTOR","COO","PRESIDENT & CEO"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0],"Total Compensation":[0,0,600,0,0,0,0,94330,117248],"Direct compensation":[0,0,600,0,0,0,0,89000,116000],"Other compensation":[0,0,0,0,0,0,0,5330,1248]},"Basic":{"value":null,"mission":"State chartered credit union organized to provide members with financial services and products.","year":2016,"name":"DAYMET CREDIT UNION","phone":9372362562,"website":"WWW.DAYMETCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEVEN SHORE","year_formation":1957,"state_legal_domicile":"OH","total_volunteers":11,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"PO BOX 13087, DAYTON, OH, 45413, USA","city":"DAYTON","state":"OH","country":"USA","zip_code":45413},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":31,"Total Gross UBI":141072,"Net unrelated business taxable income":-336085,"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":4024972,"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":3701006,"Total revenue":{"value":3701006,"INTEREST ON LOANS":2665329,"FEES AND CHARGES":532198,"OTHER INCOME":503479},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":323966,"Investment income total":333454,"Net investment gain":-9488,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"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":4112861,"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":1353815,"Current officers":205600,"Disqualified persons":0,"Other salaries and wages":866218,"Pension plan contributions":7535,"Other employee benefits":169794,"Payroll taxes":104668},"Other expenses":{"value":2759046,"Management services":0,"Legal":26941,"Accounting":33700,"Lobbying services":0,"Investment management fees":0,"Other services":15234,"Advertising":130108,"Office expenses":282173,"Information technology":0,"Royalties":0,"Occupancy":133521,"Travel":59804,"Conferences and meetings":3626,"Interest":14998,"Payments to affiliates":0,"Depreciation and depletion":204838,"Insurance":85328,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1677308,"BANK CHARGES & PROCESSI":839244,"PROVISION FOR LOAN LOSS":301233,"DIVIDEND EXPENSE ON MEM":293579,"LOAN PROCESSING":243252},"All other expenses":91467},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":90604304,"Non-interest bearing cash":938069,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":3053,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":68029644,"Inventories for sale or use":0,"Prepaid expenses deferred charges":178068,"Land, building, equipment":1814043,"Investments publicly traded":0,"Investments other":0,"Investments program related":13224842,"Intangible assets":0,"Other assets":6416585},"Liabilities":{"value":81757458,"Sum of Total Liabilities":0,"Accounts payable, accrued":1136631,"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":3500000,"Unsecured notes loans payable":0,"Other liabilities":77120827},"Fund balance":{"value":8846846,"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":-0.02183592829962544,"percentile":0.3347471884751377},"Liabilities to Assets Ratio":{"score":0.9023573317223429,"percentile":0.06427913600215},"Operating Reserve Ratio":{"score":22.029507926477457,"percentile":0.9518818639040519},"Officer Compensation Ratio":{"score":0.051588906116691036,"percentile":0.7490519143150316},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.03934144161514273,"percentile":0.5592856476935908},"Asset Growth":{"score":0.03320128305029971,"percentile":0.4593284171057357},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5453088612860262,"percentile":0.4436494164546996}},"source_xml":"201703179349301585_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["STEVEN SHORE","ZACHARY CLARK","CARLA MARQUETTE","JAMIE CROOKS","TYRONE MCGUFFEY","MARY ANN KABEL","MIKE ROGERS","AMELIA LAW","JESSICA OSBOURNE","ANDREW STALLARD"],"Title":["PRESIDENTCEO","CHIEF OPERATIONS OFFICER","VP FINANCE","CHIEF MARKETING OFFICER","DIRECTOR","DIRECTOR","CHAIRPERSON OF THE BOARD","VICE CHAIRPERSON OF THE BOARD","TREASURERFINANCIAL SECRETARY","DIRECTOR"],"Hours":[40.0,40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[369286,184502,139559,115581,0,0,0,0,0,0],"Direct compensation":[232433,146684,134621,115581,0,0,0,0,0,0],"Other compensation":[136853,37818,4938,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Daymet credit union contributes to prosperity and financial growth through innovative services, support and education.","year":2024,"name":"DAYMET CREDIT UNION","phone":null,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1957,"state_legal_domicile":"OH","total_volunteers":6,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO BOX 13087, Dayton, OH, 45413, USA","city":"Dayton","state":"OH","country":"USA","zip_code":45413},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":26,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":26,"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":7666720,"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":7251438,"Total revenue":{"value":7251438,"INTEREST ON LOANS":5715143,"OTHER INCOME":1536295},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":415282,"Investment income total":415282,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"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":7274159,"Grant expense":{"value":50,"Grants to domestic orgs":50,"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":2455323,"Current officers":629319,"Disqualified persons":0,"Other salaries and wages":1188041,"Pension plan contributions":82048,"Other employee benefits":417454,"Payroll taxes":138461},"Other expenses":{"value":4818786,"Management services":0,"Legal":13765,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":161299,"Advertising":151547,"Office expenses":163213,"Information technology":316137,"Royalties":0,"Occupancy":153309,"Travel":13545,"Conferences and meetings":0,"Interest":2484848,"Payments to affiliates":0,"Depreciation and depletion":211773,"Insurance":52415,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1067473,"ASSOCIATION DUES":8470,"LOAN SERVICING":822401,"PROVISION FOR LOAN LOSS":209613,"SUPERVISORY":26989},"All other expenses":29462},"Functional Expenses":{"value":null,"Program Service Expenses":7274159,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":122660938,"Non-interest bearing cash":1448509,"Savings and temp cash investments":5812856,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":3571876,"Receivables from disqual persons":0,"Other net note and loans":95620318,"Inventories for sale or use":0,"Prepaid expenses deferred charges":851852,"Land, building, equipment":1967077,"Investments publicly traded":7074552,"Investments other":1880500,"Investments program related":0,"Intangible assets":0,"Other assets":4433398},"Liabilities":{"value":112777256,"Sum of Total Liabilities":0,"Accounts payable, accrued":428825,"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":112348431},"Fund balance":{"value":9883682,"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":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.05120325249911305,"percentile":0.5276481302322813},"Liabilities to Assets Ratio":{"score":0.9194227423892682,"percentile":0.06147856638366001},"Operating Reserve Ratio":{"score":16.86255936940614,"percentile":0.9346016447400995},"Officer Compensation Ratio":{"score":0.11120570776635484,"percentile":0.5161405330378253},"Program Expense Growth":{"score":0.4257130671707805,"percentile":0.9113128437764835},"Revenue Growth":{"score":0.07018999195756458,"percentile":0.6820620457012344},"Asset Growth":{"score":0.04149262339487026,"percentile":0.49332081426993796},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7717547467922424,"percentile":0.9381849350339764}},"source_xml":"202541349349307229_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}