{"success":true,"data":{"_id":310622088,"filings":[{"Organization":{"value":null,"Person":["Amy Newland","Donna Banks","Greg Neumann","Sandra Snowden","Greg Hellmann","Linda Howard","Douglas Koenig","Marquita Turner","Deborah Branscomb","Cynthia Cottongim"],"Title":["Chairperson of Board","Vice Chairperson of Board","Treasurer of Board","Secretary of Board","Director","Director","Director","Director","Director","Chief Executive Officer"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,85291],"Direct compensation":[0,0,0,0,0,0,0,0,0,80891],"Other compensation":[0,0,0,0,0,0,0,0,0,4400]},"Basic":{"value":null,"mission":"Atrium credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services to the member owners.","year":2019,"name":"ATRIUM CREDIT UNION INC","phone":5134205179,"website":"www.atrium4u.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Cindy Cottongim","year_formation":1958,"state_legal_domicile":"OH","total_volunteers":9,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"6051 Market Street Suite C, Franklin, OH, 45005, USA","city":"Franklin","state":"OH","country":"USA","zip_code":45005},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":8,"Total Gross UBI":4137,"Net unrelated business taxable income":0,"Number of employees":8,"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":475230,"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":378044,"Total revenue":{"value":378044,"Interest on loans to members":242173,"Fees to members":131734,"ATM surcharges to nonmembers":4137},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":97186,"Investment income total":97186,"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":445751,"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":216457,"Current officers":80891,"Disqualified persons":0,"Other salaries and wages":103428,"Pension plan contributions":3753,"Other employee benefits":14019,"Payroll taxes":14366},"Other expenses":{"value":229294,"Management services":5115,"Legal":2404,"Accounting":9540,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":1258,"Office expenses":28020,"Information technology":36217,"Royalties":0,"Occupancy":12000,"Travel":0,"Conferences and meetings":1915,"Interest":8745,"Payments to affiliates":0,"Depreciation and depletion":7721,"Insurance":8756,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":107603,"Share servicing (ATM, debit, draft)":84727,"Loan servicing (collection)":18684,"Regulators":4192},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":360101,"Management And General Expenses":85650,"Fundraising Expenses":0}},"Assets":{"value":8869550,"Non-interest bearing cash":150766,"Savings and temp cash investments":557861,"Pledges and grants receivable":0,"Accounts receivable":4017,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":4621586,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1984,"Land, building, equipment":39059,"Investments publicly traded":0,"Investments other":0,"Investments program related":3401452,"Intangible assets":0,"Other assets":92825},"Liabilities":{"value":7717968,"Sum of Total Liabilities":0,"Accounts payable, accrued":51710,"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":7666258},"Fund balance":{"value":1151582,"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":0.8078523660070308,"percentile":0.6354212820120355},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.06203101656040233,"percentile":0.5509965090441009},"Liabilities to Assets Ratio":{"score":0.8701645517529074,"percentile":0.06933847399272082},"Operating Reserve Ratio":{"score":19.89799237690998,"percentile":0.9456307764003461},"Officer Compensation Ratio":{"score":0.19134225161581242,"percentile":0.32890624732912116},"Program Expense Growth":{"score":0.03304231423141578,"percentile":0.46206558520515406},"Revenue Growth":{"score":0.036163536505528567,"percentile":0.5443774110398222},"Asset Growth":{"score":0.019282376713480803,"percentile":0.400807776771904},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5978105099466315,"percentile":0.5990835102031185}},"source_xml":"202011339349300346_public.xml"},{"Organization":{"value":null,"Person":["Cynthia Cottongim","Amy Newland","Donna Banks","Jeff Reynolds","Sandra Snowden","Greg Hellmann","Linda Howard","Douglas Koenig","Marquita Turner","Deborah Branscomb"],"Title":["Chief Executive Officer","Chairperson of Board","Vice Chairperson of Board","Treasurer of Board","Secretary of Board","Director","Director","Director","Director","Director"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[86772,0,0,0,0,0,0,0,0,0],"Direct compensation":[82172,0,0,0,0,0,0,0,0,0],"Other compensation":[4600,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Atrium credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services to the member owners.","year":2021,"name":"ATRIUM CREDIT UNION INC","phone":5134205179,"website":"www.atrium4u.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Cindy Cottongim","year_formation":1958,"state_legal_domicile":"OH","total_volunteers":9,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"6051 Market Street Suite C, Franklin, OH, 45005, USA","city":"Franklin","state":"OH","country":"USA","zip_code":45005},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":8,"Total Gross UBI":1770,"Net unrelated business taxable income":0,"Number of employees":8,"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":377484,"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":362990,"Total revenue":{"value":362990,"Interest on loans to members":243738,"Fees to members":117482,"ATM surcharges to nonmembers":1770},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":14494,"Investment income total":14494,"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":447293,"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":217076,"Current officers":82172,"Disqualified persons":0,"Other salaries and wages":88446,"Pension plan contributions":3307,"Other employee benefits":29711,"Payroll taxes":13440},"Other expenses":{"value":230217,"Management services":4498,"Legal":2030,"Accounting":7386,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":48,"Office expenses":10526,"Information technology":51134,"Royalties":0,"Occupancy":12947,"Travel":0,"Conferences and meetings":491,"Interest":10603,"Payments to affiliates":0,"Depreciation and depletion":7682,"Insurance":8552,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":114114,"Share servicing (ATM, debit, draft)":103315,"Loan servicing (collection)":7183,"Regulators":3616},"All other expenses":206},"Functional Expenses":{"value":null,"Program Service Expenses":363769,"Management And General Expenses":83524,"Fundraising Expenses":0}},"Assets":{"value":11412128,"Non-interest bearing cash":180833,"Savings and temp cash investments":1010592,"Pledges and grants receivable":0,"Accounts receivable":72504,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":5837078,"Inventories for sale or use":0,"Prepaid expenses deferred charges":55091,"Land, building, equipment":21345,"Investments publicly traded":0,"Investments other":0,"Investments program related":4129452,"Intangible assets":0,"Other assets":105233},"Liabilities":{"value":10371558,"Sum of Total Liabilities":0,"Accounts payable, accrued":101820,"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":10269738},"Fund balance":{"value":1040570,"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":0.8132678132678133,"percentile":0.6423664537230229},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.18493234150321602,"percentile":0.15930958597454611},"Liabilities to Assets Ratio":{"score":0.9088189336817813,"percentile":0.0631971722276573},"Operating Reserve Ratio":{"score":25.513763908668366,"percentile":0.9598628527730663},"Officer Compensation Ratio":{"score":0.1939936462229456,"percentile":0.3242934106030289},"Program Expense Growth":{"score":0.021087946977000723,"percentile":0.40984112267255984},"Revenue Growth":{"score":-0.025315483803739394,"percentile":0.28038235637488795},"Asset Growth":{"score":0.059786882308968656,"percentile":0.5629790847719837},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5143923612076777,"percentile":0.3586241293916886}},"source_xml":"202231249349301598_public.xml"},{"Organization":{"value":null,"Person":["Amy Newland","Donna Banks","Greg Neumann","Sandra Snowden","Greg Hellmann","Linda Howard","Douglas Koenig","Marquita Turner","Deborah Branscomb","Cynthia Cottongim"],"Title":["Chairperson of Board","Vice Chairperson of Board","Treasurer of Board","Secretary of Board","Director","Director","Director","Director","Director","Chief Executive Officer"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,77073],"Direct compensation":[0,0,0,0,0,0,0,0,0,73273],"Other compensation":[0,0,0,0,0,0,0,0,0,3800]},"Basic":{"value":null,"mission":"Atrium credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services to the member owners.","year":2017,"name":"ATRIUM CREDIT UNION INC","phone":5134205179,"website":"www.atrium4u.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Cindy Cottingim","year_formation":1958,"state_legal_domicile":"OH","total_volunteers":9,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"6051 Market Street Suite C, Franklin, OH, 45005, USA","city":"Franklin","state":"OH","country":"USA","zip_code":45005},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":6,"Total Gross UBI":5469,"Net unrelated business taxable income":0,"Number of employees":6,"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":432626,"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":394233,"Total revenue":{"value":394233,"Interest on loans to members":268785,"Fees to members":119979,"ATM surcharges to nonmembers":5469},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":38393,"Investment income total":38393,"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":412032,"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":218418,"Current officers":73273,"Disqualified persons":0,"Other salaries and wages":109299,"Pension plan contributions":2883,"Other employee benefits":18241,"Payroll taxes":14722},"Other expenses":{"value":193614,"Management services":5550,"Legal":2299,"Accounting":11322,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":2024,"Office expenses":18031,"Information technology":26196,"Royalties":0,"Occupancy":12000,"Travel":0,"Conferences and meetings":2851,"Interest":10063,"Payments to affiliates":0,"Depreciation and depletion":6000,"Insurance":8382,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":88896,"Share servicing (ATM, debit, draft)":80922,"Loan servicing (collections)":4290,"Regulators":3684},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":326522,"Management And General Expenses":85510,"Fundraising Expenses":0}},"Assets":{"value":8990920,"Non-interest bearing cash":139026,"Savings and temp cash investments":928651,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":4669064,"Inventories for sale or use":0,"Prepaid expenses deferred charges":21295,"Land, building, equipment":9507,"Investments publicly traded":0,"Investments other":0,"Investments program related":3136452,"Intangible assets":0,"Other assets":86925},"Liabilities":{"value":7903869,"Sum of Total Liabilities":0,"Accounts payable, accrued":242465,"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":7661404},"Fund balance":{"value":1087051,"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":0.7924675753339546,"percentile":0.6158579910257547},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.047602317012847124,"percentile":0.5195815744213143},"Liabilities to Assets Ratio":{"score":0.8790945754160865,"percentile":0.06801992025996627},"Operating Reserve Ratio":{"score":21.820926529978255,"percentile":0.9513059037532191},"Officer Compensation Ratio":{"score":0.1870558597390494,"percentile":0.3364494197202799},"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":0.6257078254779814,"percentile":0.6784540304212697}},"source_xml":"201811259349300601_public.xml"},{"Organization":{"value":null,"Person":["Cynthia Cottongim","Amy Newland","Donna Banks","Jeff Reynolds","Sandra Snowden","Greg Hellmann","Linda Howard","Douglas Koenig","Marquita Turner","Deborah Branscomb"],"Title":["Chief Executive Officer","Chairperson of Board","Vice Chairperson of Board","Treasurer of Board","Secretary of Board","Director","Director","Director","Director","Director"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[91561,0,0,0,0,0,0,0,0,0],"Direct compensation":[86761,0,0,0,0,0,0,0,0,0],"Other compensation":[4800,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Atrium credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services to the member owners.","year":2022,"name":"0859 ATRIUM CREDIT UNION INC","phone":5134205179,"website":"www.atrium4u.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Cindy Cottongim","year_formation":1958,"state_legal_domicile":"OH","total_volunteers":9,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"6051 Market Street Suite C, Franklin, OH, 45005, USA","city":"Franklin","state":"OH","country":"USA","zip_code":45005},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":6,"Total Gross UBI":1827,"Net unrelated business taxable income":0,"Number of employees":6,"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":517509,"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":450445,"Total revenue":{"value":450445,"Interest on loans to members":260799,"Fees to members":187819,"ATM surcharges to nonmembers":1827},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":67064,"Investment income total":67064,"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":494754,"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":249663,"Current officers":86760,"Disqualified persons":0,"Other salaries and wages":110879,"Pension plan contributions":4720,"Other employee benefits":31929,"Payroll taxes":15375},"Other expenses":{"value":245091,"Management services":3833,"Legal":2493,"Accounting":11776,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":9437,"Information technology":50775,"Royalties":0,"Occupancy":12000,"Travel":0,"Conferences and meetings":622,"Interest":7161,"Payments to affiliates":0,"Depreciation and depletion":7311,"Insurance":10445,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":129238,"Share servicing (ATM, debit, draft)":123182,"Loan servicing (collections)":2509,"Regulators":3547},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":404270,"Management And General Expenses":90484,"Fundraising Expenses":0}},"Assets":{"value":11733536,"Non-interest bearing cash":195691,"Savings and temp cash investments":355883,"Pledges and grants receivable":0,"Accounts receivable":30523,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":5323948,"Inventories for sale or use":0,"Prepaid expenses deferred charges":18731,"Land, building, equipment":15081,"Investments publicly traded":0,"Investments other":0,"Investments program related":5667452,"Intangible assets":0,"Other assets":126227},"Liabilities":{"value":10670211,"Sum of Total Liabilities":0,"Accounts payable, accrued":139974,"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":10530237},"Fund balance":{"value":1063325,"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":0.8171131511822037,"percentile":0.6473508253244504},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.04397024979275723,"percentile":0.5112959294871338},"Liabilities to Assets Ratio":{"score":0.9093772755288773,"percentile":0.0631056088412131},"Operating Reserve Ratio":{"score":23.715899214559155,"percentile":0.956042519197156},"Officer Compensation Ratio":{"score":0.18506368821677036,"percentile":0.3400664307095271},"Program Expense Growth":{"score":0.030920637835026573,"percentile":0.45289721259878957},"Revenue Growth":{"score":0.0063386742960889276,"percentile":0.39807679547663105},"Asset Growth":{"score":0.06062476118290071,"percentile":0.566008387847238},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5905142832732081,"percentile":0.577540760377755}},"source_xml":"202301309349302440_public.xml"},{"Organization":{"value":null,"Person":["Cynthia Cottongim","Amy Newland","Donna Banks","Jeff Reynolds","Sandra Snowden","Greg Hellmann","Linda Howard","Douglas Koenig","Marquita Turner","Deborah Branscomb"],"Title":["Chief Executive Officer","Chairperson of Board","Vice Chairperson of Board","Treasurer of Board","Secretary of Board","Director","Director","Director","Director","Director"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[104724,0,0,0,0,0,0,0,0,0],"Direct compensation":[99324,0,0,0,0,0,0,0,0,0],"Other compensation":[5400,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Atrium credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services to the member owners.","year":2024,"name":"0859 ATRIUM CREDIT UNION INC","phone":5139745179,"website":"www.atrium4u.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Cindy Cottongim","year_formation":1958,"state_legal_domicile":"OH","total_volunteers":9,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"6051 Market Street Suite C, Franklin, OH, 45005, USA","city":"Franklin","state":"OH","country":"USA","zip_code":45005},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":6,"Total Gross UBI":951,"Net unrelated business taxable income":0,"Number of employees":6,"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":594293,"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":343601,"Total revenue":{"value":343601,"Interest on loans to members":230741,"Fees to members":111909,"ATM surcharges to nonmembers":951},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":250692,"Investment income total":250692,"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":511901,"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":243804,"Current officers":99324,"Disqualified persons":0,"Other salaries and wages":99662,"Pension plan contributions":4258,"Other employee benefits":24595,"Payroll taxes":15965},"Other expenses":{"value":268097,"Management services":3974,"Legal":3600,"Accounting":14177,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":10732,"Information technology":94620,"Royalties":0,"Occupancy":12000,"Travel":0,"Conferences and meetings":1544,"Interest":6799,"Payments to affiliates":0,"Depreciation and depletion":4602,"Insurance":11690,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":103629,"Share servicing (ATM, debit, draft)":65747,"Loan servicing (collections)":34128,"Regulators":3754},"All other expenses":730},"Functional Expenses":{"value":null,"Program Service Expenses":429699,"Management And General Expenses":82202,"Fundraising Expenses":0}},"Assets":{"value":11095594,"Non-interest bearing cash":139234,"Savings and temp cash investments":612608,"Pledges and grants receivable":0,"Accounts receivable":15161,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":5001712,"Inventories for sale or use":0,"Prepaid expenses deferred charges":11285,"Land, building, equipment":3799,"Investments publicly traded":0,"Investments other":0,"Investments program related":5185452,"Intangible assets":0,"Other assets":126343},"Liabilities":{"value":9857491,"Sum of Total Liabilities":0,"Accounts payable, accrued":96481,"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":9761010},"Fund balance":{"value":1238103,"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":0.8394181687474727,"percentile":0.6777170454270822},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.1386386849584296,"percentile":0.6832484863998644},"Liabilities to Assets Ratio":{"score":0.8884148969401728,"percentile":0.0665362656559052},"Operating Reserve Ratio":{"score":21.67527314851895,"percentile":0.9509081881122229},"Officer Compensation Ratio":{"score":0.2045786196940424,"percentile":0.3064491315706062},"Program Expense Growth":{"score":0.032635140556390316,"percentile":0.4602995198804457},"Revenue Growth":{"score":0.03838649669060041,"percentile":0.5548823285181829},"Asset Growth":{"score":0.041360861978875674,"percentile":0.49279681913364454},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.636339266415341,"percentile":0.7069918444247171}},"source_xml":"202531119349301208_public.xml"},{"Organization":{"value":null,"Person":["Amy Newland","Donna Banks","Greg Hellmann","Linda Howard","Doug Koenig","Greg Neumann","Sandra Snowden","Marquita Turner","Carolyn Fogerty","Cynthia Cottongim","Lisa Collins"],"Title":["Chairperson of Board","Vice Chairperson of Board","Director","Director","Director","Director","Director","Director","Director","Chief Executive Officer","Former CEO/Consultant"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,56169,55295],"Direct compensation":[0,0,0,0,0,0,0,0,0,54269,48795],"Other compensation":[0,0,0,0,0,0,0,0,0,1900,6500]},"Basic":{"value":null,"mission":"Atrium credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services to the member owners.","year":2016,"name":"ATRIUM CREDIT UNION INC","phone":5134205179,"website":"www.atrium4u.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Cindy Cottongim","year_formation":1958,"state_legal_domicile":"OH","total_volunteers":9,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"6051 Market Street Suite C, Franklin, OH, 45005, USA","city":"Franklin","state":"OH","country":"USA","zip_code":45005},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":9,"Total Gross UBI":5813,"Net unrelated business taxable income":0,"Number of employees":9,"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":430827,"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":403875,"Total revenue":{"value":403875,"Interest on loans to members":272430,"Fees to members":125632,"ATM surcharges to nonmembers":5813},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":26952,"Investment income total":26952,"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":422249,"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":253766,"Current officers":103064,"Disqualified persons":0,"Other salaries and wages":108211,"Pension plan contributions":4090,"Other employee benefits":21418,"Payroll taxes":16983},"Other expenses":{"value":168483,"Management services":4281,"Legal":1305,"Accounting":6204,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":2197,"Office expenses":6249,"Information technology":19170,"Royalties":0,"Occupancy":12000,"Travel":0,"Conferences and meetings":2704,"Interest":10128,"Payments to affiliates":0,"Depreciation and depletion":6000,"Insurance":8570,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":87473,"Share servicing (ATM, debit, draft)":79416,"Loan servicing (collection)":4899,"Regulators":3158},"All other expenses":2202},"Functional Expenses":{"value":null,"Program Service Expenses":328268,"Management And General Expenses":93981,"Fundraising Expenses":0}},"Assets":{"value":8291700,"Non-interest bearing cash":96410,"Savings and temp cash investments":639284,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":4211138,"Inventories for sale or use":0,"Prepaid expenses deferred charges":6788,"Land, building, equipment":15507,"Investments publicly traded":0,"Investments other":0,"Investments program related":3243452,"Intangible assets":0,"Other assets":79121},"Liabilities":{"value":7225243,"Sum of Total Liabilities":0,"Accounts payable, accrued":47696,"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":7177547},"Fund balance":{"value":1066457,"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":0.7774275368325325,"percentile":0.5994439431899656},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.019910544139527003,"percentile":0.4520556571970573},"Liabilities to Assets Ratio":{"score":0.8713825874066838,"percentile":0.0691682521266467},"Operating Reserve Ratio":{"score":19.636991443437402,"percentile":0.9447971498662459},"Officer Compensation Ratio":{"score":0.26397694251496157,"percentile":0.2243792205990876},"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":0.5957019589113246,"percentile":0.5928421882883771}},"source_xml":"201701319349303375_public.xml"},{"Organization":{"value":null,"Person":["Cynthia Cottongim","Amy Newland","Donna Banks","Jeff Reynolds","Sandra Snowden","Greg Hellmann","Linda Howard","Douglas Koenig","Marquita Turner","Deborah Branscomb"],"Title":["Chief Executive Officer","Chairperson of Board","Vice Chairperson of Board","Treasurer of Board","Secretary of Board","Director","Director","Director","Director","Director"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[96116,0,0,0,0,0,0,0,0,0],"Direct compensation":[92978,0,0,0,0,0,0,0,0,0],"Other compensation":[3138,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Atrium credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services to the member owners.","year":2023,"name":"0859 ATRIUM CREDIT UNION INC","phone":5139745179,"website":"www.atrium4u.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Cindy Cottongim","year_formation":1958,"state_legal_domicile":"OH","total_volunteers":9,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"6051 Market Street Suite C, Franklin, OH, 45005, USA","city":"Franklin","state":"OH","country":"USA","zip_code":45005},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":6,"Total Gross UBI":1557,"Net unrelated business taxable income":0,"Number of employees":6,"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":573306,"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":345986,"Total revenue":{"value":345986,"Interest on loans to members":236494,"Fees to members":107935,"ATM surcharges to nonmembers":1557},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":227320,"Investment income total":227320,"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":480920,"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":230924,"Current officers":92978,"Disqualified persons":0,"Other salaries and wages":111831,"Pension plan contributions":4836,"Other employee benefits":4876,"Payroll taxes":16403},"Other expenses":{"value":249996,"Management services":3682,"Legal":2535,"Accounting":10125,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":12521,"Information technology":63009,"Royalties":0,"Occupancy":12000,"Travel":0,"Conferences and meetings":1706,"Interest":6194,"Payments to affiliates":0,"Depreciation and depletion":6680,"Insurance":11135,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":117976,"Share servicing (ATM, debit, draft)":102950,"Loan servicing (collections)":11326,"Regulators":3700},"All other expenses":2433},"Functional Expenses":{"value":null,"Program Service Expenses":387976,"Management And General Expenses":92944,"Fundraising Expenses":0}},"Assets":{"value":10881882,"Non-interest bearing cash":161238,"Savings and temp cash investments":389834,"Pledges and grants receivable":0,"Accounts receivable":25367,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":4928343,"Inventories for sale or use":0,"Prepaid expenses deferred charges":18443,"Land, building, equipment":8401,"Investments publicly traded":0,"Investments other":0,"Investments program related":5217452,"Intangible assets":0,"Other assets":132804},"Liabilities":{"value":9726171,"Sum of Total Liabilities":0,"Accounts payable, accrued":161529,"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":9564642},"Fund balance":{"value":1155711,"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":0.8067370872494386,"percentile":0.6339925724827403},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.16114605463748854,"percentile":0.712852216336141},"Liabilities to Assets Ratio":{"score":0.8937949336337225,"percentile":0.06568802408260452},"Operating Reserve Ratio":{"score":22.6272186642269,"percentile":0.9534185660047302},"Officer Compensation Ratio":{"score":0.19985860434167846,"percentile":0.31427801168910896},"Program Expense Growth":{"score":0.02845867043377192,"percentile":0.44214957827799634},"Revenue Growth":{"score":0.028181912770594644,"percentile":0.5057523396132706},"Asset Growth":{"score":0.04883628649347319,"percentile":0.522284372076358},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6249092402494958,"percentile":0.6762749973352041}},"source_xml":"202441259349300904_public.xml"},{"Organization":{"value":null,"Person":["Amy Newland","Donna Banks","Greg Neumann","Sandra Snowden","Greg Hellmann","Linda Howard","Douglas Koenig","Marquita Turner","Deborah Branscomb","Cynthia Cottongim"],"Title":["Chairperson of Board","Vice Chairperson of Board","Treasurer of Board","Secretary of Board","Director","Director","Director","Director","Director","Chief Executive Officer"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,81312],"Direct compensation":[0,0,0,0,0,0,0,0,0,77362],"Other compensation":[0,0,0,0,0,0,0,0,0,3950]},"Basic":{"value":null,"mission":"Atrium credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services to the member owners.","year":2018,"name":"ATRIUM CREDIT UNION INC","phone":5134205179,"website":"www.atrium4u.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Cindy Cottongim","year_formation":1958,"state_legal_domicile":"OH","total_volunteers":9,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"6051 Market Street Suite C, Franklin, OH, 45005, USA","city":"Franklin","state":"OH","country":"USA","zip_code":45005},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":7,"Total Gross UBI":4793,"Net unrelated business taxable income":0,"Number of employees":7,"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":462236,"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":394563,"Total revenue":{"value":394563,"Interest on loans to members":266404,"Fees to members":123366,"ATM surcharges to nonmembers":4793},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":67673,"Investment income total":67673,"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":427184,"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":220214,"Current officers":77362,"Disqualified persons":0,"Other salaries and wages":108377,"Pension plan contributions":4815,"Other employee benefits":15177,"Payroll taxes":14483},"Other expenses":{"value":206970,"Management services":5068,"Legal":2256,"Accounting":10506,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":544,"Office expenses":20995,"Information technology":33026,"Royalties":0,"Occupancy":12000,"Travel":0,"Conferences and meetings":1117,"Interest":10086,"Payments to affiliates":0,"Depreciation and depletion":5536,"Insurance":8857,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":93124,"Share servicing (ATM, debit, draft)":76846,"Loan servicing (collections)":12266,"Regulators":4012},"All other expenses":3855},"Functional Expenses":{"value":null,"Program Service Expenses":343210,"Management And General Expenses":83974,"Fundraising Expenses":0}},"Assets":{"value":8949478,"Non-interest bearing cash":212267,"Savings and temp cash investments":526465,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":4690110,"Inventories for sale or use":0,"Prepaid expenses deferred charges":20950,"Land, building, equipment":10556,"Investments publicly traded":0,"Investments other":0,"Investments program related":3389452,"Intangible assets":0,"Other assets":99678},"Liabilities":{"value":7827375,"Sum of Total Liabilities":0,"Accounts payable, accrued":100490,"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":7726885},"Fund balance":{"value":1122103,"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":0.8034242855537661,"percentile":0.6298226498997044},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.07583139348730951,"percentile":0.578968993080656},"Liabilities to Assets Ratio":{"score":0.8746180503488583,"percentile":0.06868954153577404},"Operating Reserve Ratio":{"score":20.949937263567925,"percentile":0.9488767665556714},"Officer Compensation Ratio":{"score":0.19034420764822652,"percentile":0.3306512622176683},"Program Expense Growth":{"score":0.022457915831663323,"percentile":0.4158398321852338},"Revenue Growth":{"score":0.03553887827386363,"percentile":0.5414145214903981},"Asset Growth":{"score":0.03761296561182411,"percentile":0.4775737651419595},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6000238556791909,"percentile":0.605577612754863}},"source_xml":"201931339349306063_public.xml"},{"Organization":{"value":null,"Person":["Cynthia Cottongim","Amy Newland","Donna Banks","Greg Neumann","Sandra Snowden","Greg Hellmann","Linda Howard","Douglas Koenig","Marquita Turner","Deborah Branscomb"],"Title":["Chief Executive Officer","Chairperson of Board","Vice Chairperson of Board","Treasurer of Board","Secretary of Board","Director","Director","Director","Director","Director"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[88863,0,0,0,0,0,0,0,0,0],"Direct compensation":[84363,0,0,0,0,0,0,0,0,0],"Other compensation":[4500,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Atrium credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services to the member owners.","year":2020,"name":"ATRIUM CREDIT UNION INC","phone":5134205179,"website":"www.atrium4u.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Cindy Cottongim","year_formation":1958,"state_legal_domicile":"OH","total_volunteers":9,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"6051 Market Street Suite C, Franklin, OH, 45005, USA","city":"Franklin","state":"OH","country":"USA","zip_code":45005},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":8,"Total Gross UBI":2418,"Net unrelated business taxable income":0,"Number of employees":8,"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":390735,"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":332474,"Total revenue":{"value":332474,"Interest on loans to members":226845,"Fees to members":103211,"ATM surcharges to nonmembers":2418},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":58261,"Investment income total":58261,"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":431938,"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":213356,"Current officers":84363,"Disqualified persons":0,"Other salaries and wages":96273,"Pension plan contributions":3655,"Other employee benefits":16069,"Payroll taxes":12996},"Other expenses":{"value":218582,"Management services":5202,"Legal":1841,"Accounting":6861,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":169,"Office expenses":11853,"Information technology":53682,"Royalties":0,"Occupancy":12000,"Travel":0,"Conferences and meetings":905,"Interest":9569,"Payments to affiliates":0,"Depreciation and depletion":10032,"Insurance":9810,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":96401,"Share servicing (ATM, debit, draft)":85892,"Loan servicing (collections)":6545,"Regulators":3964},"All other expenses":257},"Functional Expenses":{"value":null,"Program Service Expenses":346537,"Management And General Expenses":85401,"Fundraising Expenses":0}},"Assets":{"value":10437573,"Non-interest bearing cash":215915,"Savings and temp cash investments":755105,"Pledges and grants receivable":0,"Accounts receivable":1171,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":4279900,"Inventories for sale or use":0,"Prepaid expenses deferred charges":16004,"Land, building, equipment":29027,"Investments publicly traded":0,"Investments other":0,"Investments program related":5050452,"Intangible assets":0,"Other assets":89999},"Liabilities":{"value":9327194,"Sum of Total Liabilities":0,"Accounts payable, accrued":70868,"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":9256326},"Fund balance":{"value":1110379,"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":0.8022841241104047,"percentile":0.6284058227868496},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.10544998528414398,"percentile":0.21778844713501738},"Liabilities to Assets Ratio":{"score":0.8936171272766188,"percentile":0.0657150629349773},"Operating Reserve Ratio":{"score":24.16451666674384,"percentile":0.9570400417601423},"Officer Compensation Ratio":{"score":0.20573091508503535,"percentile":0.3046181601692171},"Program Expense Growth":{"score":0.020566536707500364,"percentile":0.40754335257639024},"Revenue Growth":{"score":-0.00857343358030054,"percentile":0.3352662247109412},"Asset Growth":{"score":0.04578883771419806,"percentile":0.5103592072169466},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5208508072994243,"percentile":0.3757380184677854}},"source_xml":"202141139349301399_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["Cynthia Cottongim","Amy Newland","Donna Banks","Jeff Reynolds","Sandra Snowden","Greg Hellmann","Linda Howard","Douglas Koenig","Marquita Turner","Deborah Branscomb"],"Title":["Chief Executive Officer","Chairperson of Board","Vice Chairperson of Board","Treasurer of Board","Secretary of Board","Director","Director","Director","Director","Director"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[104724,0,0,0,0,0,0,0,0,0],"Direct compensation":[99324,0,0,0,0,0,0,0,0,0],"Other compensation":[5400,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Atrium credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services to the member owners.","year":2024,"name":"0859 ATRIUM CREDIT UNION INC","phone":5139745179,"website":"www.atrium4u.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Cindy Cottongim","year_formation":1958,"state_legal_domicile":"OH","total_volunteers":9,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"6051 Market Street Suite C, Franklin, OH, 45005, USA","city":"Franklin","state":"OH","country":"USA","zip_code":45005},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":6,"Total Gross UBI":951,"Net unrelated business taxable income":0,"Number of employees":6,"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":594293,"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":343601,"Total revenue":{"value":343601,"Interest on loans to members":230741,"Fees to members":111909,"ATM surcharges to nonmembers":951},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":250692,"Investment income total":250692,"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":511901,"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":243804,"Current officers":99324,"Disqualified persons":0,"Other salaries and wages":99662,"Pension plan contributions":4258,"Other employee benefits":24595,"Payroll taxes":15965},"Other expenses":{"value":268097,"Management services":3974,"Legal":3600,"Accounting":14177,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":10732,"Information technology":94620,"Royalties":0,"Occupancy":12000,"Travel":0,"Conferences and meetings":1544,"Interest":6799,"Payments to affiliates":0,"Depreciation and depletion":4602,"Insurance":11690,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":103629,"Share servicing (ATM, debit, draft)":65747,"Loan servicing (collections)":34128,"Regulators":3754},"All other expenses":730},"Functional Expenses":{"value":null,"Program Service Expenses":429699,"Management And General Expenses":82202,"Fundraising Expenses":0}},"Assets":{"value":11095594,"Non-interest bearing cash":139234,"Savings and temp cash investments":612608,"Pledges and grants receivable":0,"Accounts receivable":15161,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":5001712,"Inventories for sale or use":0,"Prepaid expenses deferred charges":11285,"Land, building, equipment":3799,"Investments publicly traded":0,"Investments other":0,"Investments program related":5185452,"Intangible assets":0,"Other assets":126343},"Liabilities":{"value":9857491,"Sum of Total Liabilities":0,"Accounts payable, accrued":96481,"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":9761010},"Fund balance":{"value":1238103,"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":0.8394181687474727,"percentile":0.6777170454270822},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.1386386849584296,"percentile":0.6832484863998644},"Liabilities to Assets Ratio":{"score":0.8884148969401728,"percentile":0.0665362656559052},"Operating Reserve Ratio":{"score":21.67527314851895,"percentile":0.9509081881122229},"Officer Compensation Ratio":{"score":0.2045786196940424,"percentile":0.3064491315706062},"Program Expense Growth":{"score":0.032635140556390316,"percentile":0.4602995198804457},"Revenue Growth":{"score":0.03838649669060041,"percentile":0.5548823285181829},"Asset Growth":{"score":0.041360861978875674,"percentile":0.49279681913364454},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.636339266415341,"percentile":0.7069918444247171}},"source_xml":"202531119349301208_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}