{"success":true,"data":{"_id":340800260,"filings":[{"Organization":{"value":null,"Person":["STEEL NOWLIN","DALE MCMAHAN","KENNETH NOETZEL","ROBERT VASIL","DARLENE DEMARCO","STEVE KOSMOS","KAREN NEWMAN","DAVID TOETZ","ROBERT MOULTON","JANICE L THOMAS","PEGGY A KOCH"],"Title":["DIRECTOR","CHAIR","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","VICE CHAIR","DIRECTOR","CEO","VP OF FINANCE"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,37.5,37.5],"Total Compensation":[0,0,0,0,0,0,0,0,0,165732,91838],"Direct compensation":[0,0,0,0,0,0,0,0,0,135819,72850],"Other compensation":[0,0,0,0,0,0,0,0,0,29913,18988]},"Basic":{"value":null,"mission":"The purpose of this credit union shall be to promote thrift and to provide credit for its members.","year":2014,"name":"P S E CREDIT UNION INC","phone":4405455105,"website":"WWW.PSECREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JANICE L THOMAS","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":13,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"5255 REGENCY DRIVE, PARMA, OH, 44129, USA","city":"PARMA","state":"OH","country":"USA","zip_code":44129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":67,"Total Gross UBI":25671,"Net unrelated business taxable income":-134460,"Number of employees":67,"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":4532103,"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":4041052,"Total revenue":{"value":4041052,"INTEREST INCOME":2545650,"FEES & COMMISSIONS":775574,"OTHER OPERATING INCOME":719828},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":491051,"Investment income total":491051,"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":4496454,"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":1940404,"Current officers":257570,"Disqualified persons":0,"Other salaries and wages":1262159,"Pension plan contributions":125619,"Other employee benefits":174227,"Payroll taxes":120829},"Other expenses":{"value":2556050,"Management services":0,"Legal":21490,"Accounting":37439,"Lobbying services":0,"Investment management fees":0,"Other services":175,"Advertising":196367,"Office expenses":837418,"Information technology":0,"Royalties":0,"Occupancy":365458,"Travel":6498,"Conferences and meetings":0,"Interest":129747,"Payments to affiliates":0,"Depreciation and depletion":204192,"Insurance":37583,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":719683,"LOAN PROCESSING":362804,"PROVISION FOR LOAN LOSS":152737,"MISCELLANEOUS EXPENSES":123927,"DIRECTOR AND DUES":80215},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":119344328,"Non-interest bearing cash":1749359,"Savings and temp cash investments":9550353,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":48928826,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":2827024,"Investments publicly traded":25488888,"Investments other":26060500,"Investments program related":0,"Intangible assets":0,"Other assets":4739378},"Liabilities":{"value":108978335,"Sum of Total Liabilities":0,"Accounts payable, accrued":471198,"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":108507137},"Fund balance":{"value":10365993,"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":0.007865884777993793,"percentile":0.41896423222305756},"Liabilities to Assets Ratio":{"score":0.9131421394404265,"percentile":0.06247613616438311},"Operating Reserve Ratio":{"score":26.5418767766778,"percentile":0.9618146503649061},"Officer Compensation Ratio":{"score":0.0572829167161501,"percentile":0.72189844726397},"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":0.5674913267146809,"percentile":0.5092865886473096}},"source_xml":"201503149349301115_public.xml"},{"Organization":{"value":null,"Person":["STEEL NOWLIN","DALE MCMAHAN","KENNETH NOETZEL","ROBERT VASIL","DARLENE DEMARCO","STEVE KOSMOS","KAREN NEWMAN","DAVID TOETZ","ROBERT MOULTON","JANICE L THOMAS","PEGGY A KOCH"],"Title":["DIRECTOR","DIRECTOR","TREASURER","SECRETARY","VICE CHAIR","DIRECTOR","DIRECTOR","CHAIR","DIRECTOR","CEO","VP OF FINANCE"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,37.5,37.5],"Total Compensation":[0,0,0,0,0,0,0,0,0,177797,97894],"Direct compensation":[0,0,0,0,0,0,0,0,0,143127,76534],"Other compensation":[0,0,0,0,0,0,0,0,0,34670,21360]},"Basic":{"value":null,"mission":"The purpose of this credit union shall be to promote thrift and to provide credit for its members.","year":2016,"name":"P S E CREDIT UNION INC","phone":4405455105,"website":"WWW.PSECREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JANICE L THOMAS","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":13,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"5255 REGENCY DRIVE, PARMA, OH, 44129, USA","city":"PARMA","state":"OH","country":"USA","zip_code":44129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":68,"Total Gross UBI":33937,"Net unrelated business taxable income":-134589,"Number of employees":68,"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":4974591,"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":4377011,"Total revenue":{"value":4377011,"INTEREST INCOME":2624431,"FEES & COMMISSIONS":1071547,"OTHER OPERATING INCOME":681033},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":597580,"Investment income total":597580,"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":4753312,"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":1990399,"Current officers":275691,"Disqualified persons":0,"Other salaries and wages":1248847,"Pension plan contributions":124266,"Other employee benefits":216760,"Payroll taxes":124835},"Other expenses":{"value":2762913,"Management services":0,"Legal":24429,"Accounting":29970,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":204335,"Office expenses":826451,"Information technology":0,"Royalties":0,"Occupancy":360659,"Travel":5734,"Conferences and meetings":0,"Interest":113020,"Payments to affiliates":0,"Depreciation and depletion":216048,"Insurance":52983,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":929284,"LOAN PROCESSING":404543,"PROVISION FOR LOAN LOSS":233375,"MISCELLANEOUS EXPENSES":159530,"DIRECTOR AND DUES":131836},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":127027756,"Non-interest bearing cash":1481449,"Savings and temp cash investments":9147737,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":63486005,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":2532960,"Investments publicly traded":32727476,"Investments other":12667500,"Investments program related":0,"Intangible assets":0,"Other assets":4984629},"Liabilities":{"value":117160562,"Sum of Total Liabilities":0,"Accounts payable, accrued":631288,"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":116529274},"Fund balance":{"value":9867194,"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":0.044481847854426625,"percentile":0.5124498668040033},"Liabilities to Assets Ratio":{"score":0.9223225355567172,"percentile":0.06104963186192815},"Operating Reserve Ratio":{"score":26.72405177695047,"percentile":0.9621460800657362},"Officer Compensation Ratio":{"score":0.05799976942393009,"percentile":0.7185769117876171},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.04935382534925357,"percentile":0.6035811684193993},"Asset Growth":{"score":0.022287041242035985,"percentile":0.41354374630448854},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5787311054635693,"percentile":0.542666631736009}},"source_xml":"201743069349300019_public.xml"},{"Organization":{"value":null,"Person":["STEEL NOWLIN","DALE MCMAHAN","KENNETH NOETZEL","ROBERT VASIL","DARLENE DEMARCO","STEVE KOSMOS","KAREN NEWMAN","DAVID TOETZ","ROBERT MOULTON","PEGGY A KOCH","JOSEPH C ANDERSON","JANICE L THOMAS"],"Title":["DIRECTOR","DIRECTOR","TREASURER","SECRETARY","VICE CHAIR","DIRECTOR","DIRECTOR","CHAIR","DIRECTOR","VP OF FINANCE","CEO","CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,37.5,37.5,37.5],"Total Compensation":[0,0,0,0,0,0,0,0,0,98860,83024,426213],"Direct compensation":[0,0,0,0,0,0,0,0,0,81153,80889,404356],"Other compensation":[0,0,0,0,0,0,0,0,0,17707,2135,21857]},"Basic":{"value":null,"mission":"The purpose of this credit union shall be to promote thrift and to provide credit for its members.","year":2017,"name":"P S E CREDIT UNION INC","phone":4405455105,"website":"WWW.PSECREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOSEPH C ANDERSON","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":13,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"5255 REGENCY DRIVE, PARMA, OH, 44129, USA","city":"PARMA","state":"OH","country":"USA","zip_code":44129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":63,"Total Gross UBI":32203,"Net unrelated business taxable income":-133250,"Number of employees":63,"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":5326275,"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":4464471,"Total revenue":{"value":4464471,"INTEREST INCOME":2751019,"FEES & COMMISSIONS":1029143,"OTHER OPERATING INCOME":684309},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":861804,"Investment income total":861804,"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":5039038,"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":2028981,"Current officers":608098,"Disqualified persons":0,"Other salaries and wages":959890,"Pension plan contributions":120549,"Other employee benefits":209652,"Payroll taxes":130792},"Other expenses":{"value":3010057,"Management services":0,"Legal":30163,"Accounting":30034,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":254055,"Office expenses":873224,"Information technology":0,"Royalties":0,"Occupancy":354456,"Travel":7530,"Conferences and meetings":0,"Interest":112579,"Payments to affiliates":0,"Depreciation and depletion":193237,"Insurance":75935,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1078844,"LOAN PROCESSING":433763,"PROVISION FOR LOAN LOSS":348627,"MISCELLANEOUS EXPENSES":176305,"DIRECTOR AND DUES":120149},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":129871042,"Non-interest bearing cash":1414942,"Savings and temp cash investments":6731717,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":70673461,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":2525663,"Investments publicly traded":33978214,"Investments other":12166307,"Investments program related":0,"Intangible assets":0,"Other assets":2380738},"Liabilities":{"value":119816449,"Sum of Total Liabilities":0,"Accounts payable, accrued":459913,"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":119356536},"Fund balance":{"value":10054593,"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":0.053928308245443576,"percentile":0.5336536178543573},"Liabilities to Assets Ratio":{"score":0.9225801776503803,"percentile":0.061004567107973515},"Operating Reserve Ratio":{"score":25.772983255930992,"percentile":0.9603634328760884},"Officer Compensation Ratio":{"score":0.12067720068790908,"percentile":0.48799075186064106},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.054756578188093624,"percentile":0.625781982507109},"Asset Growth":{"score":0.023148621912211845,"percentile":0.41716937771302054},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5706276251654038,"percentile":0.5187548633774652}},"source_xml":"201803179349302775_public.xml"},{"Organization":{"value":null,"Person":["STEEL NOWLIN","KENNETH NOETZEL","ROBERT VASIL","DARLENE DEMARCO","ROBERT MOULTON","KAREN NEWMAN","DAVID TOETZ","FELISA WASHINGTON","JOSEPH C ANDERSON"],"Title":["SECRETARY","TREASURER","CHAIR","DIRECTOR","DIRECTOR","VICE CHAIR","DIRECTOR","DIRECTOR","PRESIDENT/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,37.5],"Total Compensation":[0,0,0,0,0,0,0,0,259926],"Direct compensation":[0,0,0,0,0,0,0,0,247549],"Other compensation":[0,0,0,0,0,0,0,0,12377]},"Basic":{"value":null,"mission":"The purpose of this credit union shall be to promote thrift and to provide credit for its members.","year":2022,"name":"P S E CREDIT UNION INC","phone":4405455105,"website":"WWW.PSECREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOSEPH C ANDERSON","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":11,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"5255 REGENCY DRIVE, PARMA, OH, 44129, USA","city":"PARMA","state":"OH","country":"USA","zip_code":44129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":71,"Total Gross UBI":40938,"Net unrelated business taxable income":0,"Number of employees":71,"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":9020403,"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":7770471,"Total revenue":{"value":7770471,"INTEREST INCOME":5815253,"FEES & COMMISSIONS":1046016,"OTHER OPERATING INCOME":909202},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1249932,"Investment income total":1249932,"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":6377437,"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":2553697,"Current officers":247549,"Disqualified persons":0,"Other salaries and wages":1757336,"Pension plan contributions":142289,"Other employee benefits":244096,"Payroll taxes":162427},"Other expenses":{"value":3823740,"Management services":0,"Legal":16824,"Accounting":35178,"Lobbying services":0,"Investment management fees":0,"Other services":1120,"Advertising":428994,"Office expenses":1005660,"Information technology":0,"Royalties":0,"Occupancy":381291,"Travel":14529,"Conferences and meetings":0,"Interest":518895,"Payments to affiliates":0,"Depreciation and depletion":173557,"Insurance":152636,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1095056,"LOAN PROCESSING":469149,"PROVISION FOR LOAN LOSS":328826,"MISCELLANEOUS EXPENSES":189501,"DIRECTOR AND DUES":107580},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":221132886,"Non-interest bearing cash":1873746,"Savings and temp cash investments":6118067,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":143580294,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":2357426,"Investments publicly traded":53689801,"Investments other":6686493,"Investments program related":0,"Intangible assets":0,"Other assets":6827059},"Liabilities":{"value":207121989,"Sum of Total Liabilities":0,"Accounts payable, accrued":1055579,"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":206066410},"Fund balance":{"value":14010897,"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":0.2929986609245729,"percentile":0.8309830335344945},"Liabilities to Assets Ratio":{"score":0.9366403737886367,"percentile":0.059199928551881005},"Operating Reserve Ratio":{"score":34.67425644502643,"percentile":0.972229828713493},"Officer Compensation Ratio":{"score":0.04075712547219204,"percentile":0.8034379674801115},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0870951161617306,"percentile":0.7323023832741063},"Asset Growth":{"score":0.07228577978303102,"percentile":0.605049810377683},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6691157685299697,"percentile":0.7870647108431494}},"source_xml":"202343199349303589_public.xml"},{"Organization":{"value":null,"Person":["DR KAREN NEUMAN","STEELE NOWLIN","DARLENE DEMARCO","KENNETH NOETZEL","ROBERT VASIL","FELISA WASHINGTON","ROBERT MOULTON","DAVID TOETZ","JOSEPH C ANDERSON","ANDREW PACE","SABREENA DIGIOVANNI"],"Title":["CHAIRPERSON","VICE CHAIRPERSON","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/CEO","VP OF FINANCE","VP OF BRANCH SERVICES"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,37.5,37.5,37.5],"Total Compensation":[0,0,0,0,0,0,0,0,382717,162490,115415],"Direct compensation":[0,0,0,0,0,0,0,0,351880,154996,104923],"Other compensation":[0,0,0,0,0,0,0,0,30837,7494,10492]},"Basic":{"value":null,"mission":"The purpose of this credit union shall be to promote thrift and to provide credit for its members.","year":2024,"name":"P S E CREDIT UNION INC","phone":4405455105,"website":"WWW.PSECREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOSEPH C ANDERSON","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":10,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"5255 REGENCY DRIVE, PARMA, OH, 44129, USA","city":"PARMA","state":"OH","country":"USA","zip_code":44129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":101,"Total Gross UBI":73409,"Net unrelated business taxable income":0,"Number of employees":101,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":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":19534332,"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":15969410,"Total revenue":{"value":15969410,"INTEREST INCOME":12428121,"FEES & COMMISSIONS":2344857,"OTHER OPERATING INCOME":1196432},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3564922,"Investment income total":3564922,"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":17231781,"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":4080319,"Current officers":660621,"Disqualified persons":0,"Other salaries and wages":2597274,"Pension plan contributions":214960,"Other employee benefits":347977,"Payroll taxes":259487},"Other expenses":{"value":13151462,"Management services":0,"Legal":42554,"Accounting":54616,"Lobbying services":0,"Investment management fees":0,"Other services":2048,"Advertising":491555,"Office expenses":2361505,"Information technology":0,"Royalties":0,"Occupancy":677355,"Travel":18671,"Conferences and meetings":0,"Interest":5327836,"Payments to affiliates":0,"Depreciation and depletion":283164,"Insurance":131161,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3760997,"PROVISION FOR LOAN LOSS":2489842,"LOAN PROCESSING":750396,"MISCELLANEOUS EXPENSES":347022,"DIRECTOR AND DUES":173737},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":320712477,"Non-interest bearing cash":3224217,"Savings and temp cash investments":28308085,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":196707077,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":4895012,"Investments publicly traded":50150329,"Investments other":26344593,"Investments program related":0,"Intangible assets":0,"Other assets":11083164},"Liabilities":{"value":290892868,"Sum of Total Liabilities":0,"Accounts payable, accrued":1813685,"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":289079183},"Fund balance":{"value":29819609,"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":0.11787201118523019,"percentile":0.6524722729976834},"Liabilities to Assets Ratio":{"score":0.9070207393272074,"percentile":0.0634933705650137},"Operating Reserve Ratio":{"score":18.61168482816721,"percentile":0.9413381555007528},"Officer Compensation Ratio":{"score":0.038337418517563567,"percentile":0.8159617337233285},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.14938705435825117,"percentile":0.8475266745449348},"Asset Growth":{"score":0.1036599753539057,"percentile":0.6919388016295716},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.651718337949869,"percentile":0.7458530676550176}},"source_xml":"202532879349301263_public.xml"},{"Organization":{"value":null,"Person":["STEEL NOWLIN","DALE MCMAHAN","KENNETH NOETZEL","ROBERT VASIL","DARLENE DEMARCO","STEVE KOSMOS","KAREN NEWMAN","DAVID TOETZ","ROBERT MOULTON","PEGGY A KOCH","JOSEPH C ANDERSON"],"Title":["DIRECTOR","DIRECTOR","TREASURER","VICE CHAIR","CHAIR","DIRECTOR","DIRECTOR","DIRECTOR","SECRETARY","VP OF FINANCE","PRESIDENT/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,37.5,37.5],"Total Compensation":[0,0,0,0,0,0,0,0,0,111594,231306],"Direct compensation":[0,0,0,0,0,0,0,0,0,93814,202933],"Other compensation":[0,0,0,0,0,0,0,0,0,17780,28373]},"Basic":{"value":null,"mission":"The purpose of this credit union shall be to promote thrift and to provide credit for its members.","year":2019,"name":"P S E CREDIT UNION INC","phone":4405455105,"website":"WWW.PSECREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOSEPH C ANDERSON","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":13,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"5255 REGENCY DRIVE, PARMA, OH, 44129, USA","city":"PARMA","state":"OH","country":"USA","zip_code":44129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":64,"Total Gross UBI":45188,"Net unrelated business taxable income":0,"Number of employees":64,"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":6905667,"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":5777268,"Total revenue":{"value":5777268,"INTEREST INCOME":3955038,"FEES & COMMISSIONS":1079730,"OTHER OPERATING INCOME":742500},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1128399,"Investment income total":1128399,"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":5698516,"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":2285958,"Current officers":296747,"Disqualified persons":0,"Other salaries and wages":1507506,"Pension plan contributions":122125,"Other employee benefits":215833,"Payroll taxes":143747},"Other expenses":{"value":3412558,"Management services":0,"Legal":23523,"Accounting":30021,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":315088,"Office expenses":958622,"Information technology":0,"Royalties":0,"Occupancy":355053,"Travel":9888,"Conferences and meetings":0,"Interest":461118,"Payments to affiliates":0,"Depreciation and depletion":177918,"Insurance":83194,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":998133,"LOAN PROCESSING":412837,"PROVISION FOR LOAN LOSS":334527,"MISCELLANEOUS EXPENSES":139167,"DIRECTOR AND DUES":111602},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":150854517,"Non-interest bearing cash":1601577,"Savings and temp cash investments":11158286,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":85648866,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":2518654,"Investments publicly traded":32055207,"Investments other":12524887,"Investments program related":0,"Intangible assets":0,"Other assets":5347040},"Liabilities":{"value":138032839,"Sum of Total Liabilities":0,"Accounts payable, accrued":656302,"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":137376537},"Fund balance":{"value":12821678,"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":0.17480585148400582,"percentile":0.7292512919634645},"Liabilities to Assets Ratio":{"score":0.9150063368669299,"percentile":0.06217276843435213},"Operating Reserve Ratio":{"score":26.47259690066677,"percentile":0.9616923851399047},"Officer Compensation Ratio":{"score":0.060173560976226094,"percentile":0.7085302559599365},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07941778349378337,"percentile":0.7107967269631348},"Asset Growth":{"score":0.03577798014783162,"percentile":0.4699754151238622},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6330438319502347,"percentile":0.6983279080822409}},"source_xml":"202043179349307204_public.xml"},{"Organization":{"value":null,"Person":["STEEL NOWLIN","DALE MCMAHAN","KENNETH NOETZEL","ROBERT VASIL","DARLENE DEMARCO","STEVE KOSMOS","KAREN NEWMAN","DAVID TOETZ","ROBERT MOULTON","JANICE L THOMAS","PEGGY A KOCH"],"Title":["DIRECTOR","DIRECTOR","TREASURER","SECRETARY","VICE CHAIR","DIRECTOR","DIRECTOR","CHAIR","DIRECTOR","CEO","VP OF FINANCE"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,37.5,37.5],"Total Compensation":[0,0,0,0,0,0,0,0,0,171937,95102],"Direct compensation":[0,0,0,0,0,0,0,0,0,138279,74825],"Other compensation":[0,0,0,0,0,0,0,0,0,33658,20277]},"Basic":{"value":null,"mission":"The purpose of this credit union shall be to promote thrift and to provide credit for its members.","year":2015,"name":"P S E CREDIT UNION INC","phone":4405455105,"website":"WWW.PSECREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JANICE L THOMAS","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":13,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"5255 REGENCY DRIVE, PARMA, OH, 44129, USA","city":"PARMA","state":"OH","country":"USA","zip_code":44129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":76,"Total Gross UBI":29628,"Net unrelated business taxable income":-143484,"Number of employees":76,"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":4624449,"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":4064102,"Total revenue":{"value":4064102,"INTEREST INCOME":2462402,"FEES & COMMISSIONS":872400,"OTHER OPERATING INCOME":729300},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":560347,"Investment income total":560347,"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":4960738,"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":2003597,"Current officers":267039,"Disqualified persons":0,"Other salaries and wages":1253593,"Pension plan contributions":118256,"Other employee benefits":243858,"Payroll taxes":120851},"Other expenses":{"value":2957141,"Management services":0,"Legal":28266,"Accounting":35433,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":214836,"Office expenses":848433,"Information technology":0,"Royalties":0,"Occupancy":455513,"Travel":6183,"Conferences and meetings":0,"Interest":116129,"Payments to affiliates":0,"Depreciation and depletion":210690,"Insurance":50918,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":990740,"LOAN PROCESSING":477041,"PROVISION FOR LOAN LOSS":269625,"MISCELLANEOUS EXPENSES":144277,"DIRECTOR AND DUES":99797},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":123661560,"Non-interest bearing cash":1736594,"Savings and temp cash investments":10694060,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":53060625,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":2693819,"Investments publicly traded":26230762,"Investments other":24468500,"Investments program related":0,"Intangible assets":0,"Other assets":4777200},"Liabilities":{"value":113680114,"Sum of Total Liabilities":0,"Accounts payable, accrued":547174,"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":113132940},"Fund balance":{"value":9981446,"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":-0.07271979861817052,"percentile":0.2538230032981575},"Liabilities to Assets Ratio":{"score":0.9192841655887246,"percentile":0.06150150844021873},"Operating Reserve Ratio":{"score":24.928057075378703,"percentile":0.9586670786634248},"Officer Compensation Ratio":{"score":0.053830498607263674,"percentile":0.7382423944358787},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.041962846989168856,"percentile":0.5712799890029008},"Asset Growth":{"score":0.017733967526594594,"percentile":0.39427676195116834},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.526844161456506,"percentile":0.3918221864205202}},"source_xml":"201603139349302510_public.xml"},{"Organization":{"value":null,"Person":["STEEL NOWLIN","DALE MCMAHAN","KENNETH NOETZEL","ROBERT VASIL","DARLENE DEMARCO","STEVE KOSMOS","KAREN NEWMAN","DAVID TOETZ","ROBERT MOULTON","PEGGY A KOCH","JOSEPH C ANDERSON"],"Title":["DIRECTOR","DIRECTOR","TREASURER","VICE CHAIR","CHAIR","DIRECTOR","DIRECTOR","DIRECTOR","SECRETARY","VP OF FINANCE","CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,37.5,37.5],"Total Compensation":[0,0,0,0,0,0,0,0,0,101733,197671],"Direct compensation":[0,0,0,0,0,0,0,0,0,84597,177868],"Other compensation":[0,0,0,0,0,0,0,0,0,17136,19803]},"Basic":{"value":null,"mission":"The purpose of this credit union shall be to promote thrift and to provide credit for its members.","year":2018,"name":"P S E CREDIT UNION INC","phone":4405455105,"website":"WWW.PSECREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOSEPH C ANDERSON","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":13,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"5255 REGENCY DRIVE, PARMA, OH, 44129, USA","city":"PARMA","state":"OH","country":"USA","zip_code":44129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":69,"Total Gross UBI":35296,"Net unrelated business taxable income":0,"Number of employees":69,"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":6014477,"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":5096505,"Total revenue":{"value":5096505,"INTEREST INCOME":3291565,"FEES & COMMISSIONS":1108190,"OTHER OPERATING INCOME":696750},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":917972,"Investment income total":917972,"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":5053332,"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":2148627,"Current officers":262465,"Disqualified persons":0,"Other salaries and wages":1459898,"Pension plan contributions":109981,"Other employee benefits":188396,"Payroll taxes":127887},"Other expenses":{"value":2904705,"Management services":0,"Legal":27496,"Accounting":30675,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":279480,"Office expenses":877352,"Information technology":0,"Royalties":0,"Occupancy":336027,"Travel":8520,"Conferences and meetings":0,"Interest":122208,"Payments to affiliates":0,"Depreciation and depletion":189570,"Insurance":57124,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":976253,"LOAN PROCESSING":422218,"PROVISION FOR LOAN LOSS":287222,"MISCELLANEOUS EXPENSES":164250,"DIRECTOR AND DUES":102563},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":133698433,"Non-interest bearing cash":1788942,"Savings and temp cash investments":4283172,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":85228772,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":2404599,"Investments publicly traded":29163745,"Investments other":5479324,"Investments program related":0,"Intangible assets":0,"Other assets":5349879},"Liabilities":{"value":122866914,"Sum of Total Liabilities":0,"Accounts payable, accrued":588082,"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":122278832},"Fund balance":{"value":10831519,"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":0.15980524989953407,"percentile":0.7111804134731455},"Liabilities to Assets Ratio":{"score":0.9189854454015927,"percentile":0.06155066998998743},"Operating Reserve Ratio":{"score":26.45748052967824,"percentile":0.9616685383687474},"Officer Compensation Ratio":{"score":0.05924882829784388,"percentile":0.712804150527436},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06666485651759146,"percentile":0.670125937504112},"Asset Growth":{"score":0.02425842193252114,"percentile":0.42184524228396836},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.622807074319403,"percentile":0.6705012396050463}},"source_xml":"201903109349300310_public.xml"},{"Organization":{"value":null,"Person":["STEEL NOWLIN","KENNETH NOETZEL","ROBERT VASIL","DARLENE DEMARCO","ROBERT MOULTON","KAREN NEWMAN","DAVID TOETZ","NAKITA GUZMAN","PEGGY A KOCH","JOSEPH C ANDERSON"],"Title":["DIRECTOR","TREASURER","CHAIR","DIRECTOR","DIRECTOR","VICE CHAIR","DIRECTOR","SECRETARY","VP OF FINANCE","PRESIDENT/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,37.5,37.5],"Total Compensation":[0,0,0,0,0,0,0,0,107742,225798],"Direct compensation":[0,0,0,0,0,0,0,0,97750,215068],"Other compensation":[0,0,0,0,0,0,0,0,9992,10730]},"Basic":{"value":null,"mission":"The purpose of this credit union shall be to promote thrift and to provide credit for its members.","year":2020,"name":"P S E CREDIT UNION INC","phone":4405455105,"website":"WWW.PSECREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOSEPH C ANDERSON","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":11,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"5255 REGENCY DRIVE, PARMA, OH, 44129, USA","city":"PARMA","state":"OH","country":"USA","zip_code":44129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":67,"Total Gross UBI":39903,"Net unrelated business taxable income":0,"Number of employees":67,"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":6926615,"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":6038763,"Total revenue":{"value":6038763,"INTEREST INCOME":4375885,"FEES & COMMISSIONS":896913,"OTHER OPERATING INCOME":765965},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":887852,"Investment income total":887852,"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":5798059,"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":1686293,"Current officers":312818,"Disqualified persons":0,"Other salaries and wages":977988,"Pension plan contributions":125841,"Other employee benefits":136220,"Payroll taxes":133426},"Other expenses":{"value":4111766,"Management services":0,"Legal":21253,"Accounting":31896,"Lobbying services":0,"Investment management fees":0,"Other services":1265,"Advertising":354597,"Office expenses":981273,"Information technology":0,"Royalties":0,"Occupancy":811350,"Travel":10467,"Conferences and meetings":0,"Interest":612184,"Payments to affiliates":0,"Depreciation and depletion":222254,"Insurance":95899,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":969328,"LOAN PROCESSING":449639,"PROVISION FOR LOAN LOSS":260757,"MISCELLANEOUS EXPENSES":148447,"DIRECTOR AND DUES":110485},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":178224900,"Non-interest bearing cash":1636242,"Savings and temp cash investments":10537111,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":104896979,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":2433967,"Investments publicly traded":37711750,"Investments other":15104304,"Investments program related":0,"Intangible assets":0,"Other assets":5904547},"Liabilities":{"value":163324964,"Sum of Total Liabilities":0,"Accounts payable, accrued":665901,"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":162659063},"Fund balance":{"value":14899936,"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":0.1629303779696143,"percentile":0.7150447379989602},"Liabilities to Assets Ratio":{"score":0.9163981239433996,"percentile":0.06195912053264901},"Operating Reserve Ratio":{"score":30.738717905423176,"percentile":0.9680703859680748},"Officer Compensation Ratio":{"score":0.05752614797469291,"percentile":0.7207697796436419},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07681832273081247,"percentile":0.7030780399294372},"Asset Growth":{"score":0.05302396290053645,"percentile":0.5382458975442319},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6350253818179293,"percentile":0.7035755061162315}},"source_xml":"202123149349305917_public.xml"},{"Organization":{"value":null,"Person":["STEELE NOWLIN","DALE MCMAHAN","KENNETH NOETZEL","ROBERT VASIL","DARLENE DEMARCO","STEVE KOSMOS","KAREN NEUMAN","DAVID TOETZ","ROBERT MOULTON","JANICE L THOMAS","PEGGY A KOCH"],"Title":["DIRECTOR","CHAIR","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","VICE CHAIR","DIRECTOR","CEO","VP OF FINANCE"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,37.5,37.5],"Total Compensation":[0,0,0,0,0,0,0,0,0,150394,82768],"Direct compensation":[0,0,0,0,0,0,0,0,0,124211,71642],"Other compensation":[0,0,0,0,0,0,0,0,0,26183,11126]},"Basic":{"value":null,"mission":"The purpose of this credit union shall be to promote thrift and to provide credit for its members.","year":2013,"name":"P S E CREDIT UNION INC","phone":4405455105,"website":"WWW.PSECREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JANICE L THOMAS","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":14,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"5255 REGENCY DRIVE, PARMA, OH, 44129, USA","city":"PARMA","state":"OH","country":"USA","zip_code":44129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":64,"Total Gross UBI":40232,"Net unrelated business taxable income":-117063,"Number of employees":64,"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":4249414,"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":3806504,"Total revenue":{"value":3806504,"INTEREST INCOME":2387358,"FEES & COMMISSIONS":719768,"OTHER OPERATING INCOME":699378},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":442910,"Investment income total":442910,"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":4848931,"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":1902924,"Current officers":233162,"Disqualified persons":0,"Other salaries and wages":1244469,"Pension plan contributions":128387,"Other employee benefits":183176,"Payroll taxes":113730},"Other expenses":{"value":2946007,"Management services":0,"Legal":21777,"Accounting":30440,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":210334,"Office expenses":783653,"Information technology":0,"Royalties":0,"Occupancy":351691,"Travel":7118,"Conferences and meetings":0,"Interest":184032,"Payments to affiliates":0,"Depreciation and depletion":224592,"Insurance":143949,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":988421,"LOAN PROCESSING":394716,"PROVISION FOR LOAN LOSS":389631,"MISCELLANEOUS EXPENSES":117125,"DIRECTOR AND DUES":86949},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":119377233,"Non-interest bearing cash":1672030,"Savings and temp cash investments":8685443,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":50906430,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":2927593,"Investments publicly traded":34403263,"Investments other":16305500,"Investments program related":0,"Intangible assets":0,"Other assets":4476974},"Liabilities":{"value":109188936,"Sum of Total Liabilities":0,"Accounts payable, accrued":425330,"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":108763606},"Fund balance":{"value":10188297,"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":-0.14108227628562434,"percentile":0.18747853690856892},"Liabilities to Assets Ratio":{"score":0.9146546058744719,"percentile":0.06223094293491175},"Operating Reserve Ratio":{"score":24.619288870062288,"percentile":0.958023215842178},"Officer Compensation Ratio":{"score":0.04808523775652819,"percentile":0.766243216883422},"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":0.5186742413358589,"percentile":0.3698686680600266}},"source_xml":"201413219349302831_public.xml"},{"Organization":{"value":null,"Person":["STEEL NOWLIN","KENNETH NOETZEL","ROBERT VASIL","DARLENE DEMARCO","ROBERT MOULTON","KAREN NEWMAN","DAVID TOETZ","FELISA WASHINGTON","JOSEPH C ANDERSON","ANDREW PACE","DAVID LEUENBERGER","CHERYL SCHILL"],"Title":["SECRETARY","TREASURER","CHAIR","DIRECTOR","DIRECTOR","VICE CHAIR","DIRECTOR","DIRECTOR","PRESIDENT/CEO","VP OF FINANCE","VP OF OPERATIONS","VP OF LENDING"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,37.5,37.5,37.5,37.5],"Total Compensation":[0,0,0,0,0,0,0,0,689546,134448,114279,115862],"Direct compensation":[0,0,0,0,0,0,0,0,656157,130954,103361,104654],"Other compensation":[0,0,0,0,0,0,0,0,33389,3494,10918,11208]},"Basic":{"value":null,"mission":"The purpose of this credit union shall be to promote thrift and to provide credit for its members.","year":2023,"name":"P S E CREDIT UNION INC","phone":4405455105,"website":"WWW.PSECREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOSEPH C ANDERSON","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":10,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"5255 REGENCY DRIVE, PARMA, OH, 44129, USA","city":"PARMA","state":"OH","country":"USA","zip_code":44129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":90,"Total Gross UBI":70955,"Net unrelated business taxable income":0,"Number of employees":90,"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":16506657,"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":14225593,"Total revenue":{"value":14225593,"INTEREST INCOME":10476603,"FEES & COMMISSIONS":2531442,"OTHER OPERATING INCOME":1217548},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2281064,"Investment income total":2281064,"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":13252535,"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":3700108,"Current officers":1054135,"Disqualified persons":0,"Other salaries and wages":1902808,"Pension plan contributions":157507,"Other employee benefits":350886,"Payroll taxes":234772},"Other expenses":{"value":9552427,"Management services":0,"Legal":22675,"Accounting":45179,"Lobbying services":0,"Investment management fees":0,"Other services":11740,"Advertising":592161,"Office expenses":2276024,"Information technology":0,"Royalties":0,"Occupancy":591649,"Travel":21126,"Conferences and meetings":0,"Interest":3130756,"Payments to affiliates":0,"Depreciation and depletion":209903,"Insurance":89151,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2562063,"PROVISION FOR LOAN LOSS":1522754,"LOAN PROCESSING":671126,"MISCELLANEOUS EXPENSES":215424,"DIRECTOR AND DUES":152759},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":301964607,"Non-interest bearing cash":3049225,"Savings and temp cash investments":18585939,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":190342741,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":4637891,"Investments publicly traded":55129632,"Investments other":18931098,"Investments program related":0,"Intangible assets":0,"Other assets":11288081},"Liabilities":{"value":275171065,"Sum of Total Liabilities":0,"Accounts payable, accrued":1600708,"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":273570357},"Fund balance":{"value":26793542,"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":0.19713997813124728,"percentile":0.7534313942281531},"Liabilities to Assets Ratio":{"score":0.9112692634206631,"percentile":0.0627868781268794},"Operating Reserve Ratio":{"score":22.785422336179455,"percentile":0.9538084000857675},"Officer Compensation Ratio":{"score":0.0795421404282275,"percentile":0.6261658462540787},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.132428139796947,"percentile":0.8241379609619774},"Asset Growth":{"score":0.09671817967424082,"percentile":0.6748129359792331},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6561119267614921,"percentile":0.7565048517283576}},"source_xml":"202443209349314634_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["DR KAREN NEUMAN","STEELE NOWLIN","DARLENE DEMARCO","KENNETH NOETZEL","ROBERT VASIL","FELISA WASHINGTON","ROBERT MOULTON","DAVID TOETZ","JOSEPH C ANDERSON","ANDREW PACE","SABREENA DIGIOVANNI"],"Title":["CHAIRPERSON","VICE CHAIRPERSON","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/CEO","VP OF FINANCE","VP OF BRANCH SERVICES"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,37.5,37.5,37.5],"Total Compensation":[0,0,0,0,0,0,0,0,382717,162490,115415],"Direct compensation":[0,0,0,0,0,0,0,0,351880,154996,104923],"Other compensation":[0,0,0,0,0,0,0,0,30837,7494,10492]},"Basic":{"value":null,"mission":"The purpose of this credit union shall be to promote thrift and to provide credit for its members.","year":2024,"name":"P S E CREDIT UNION INC","phone":4405455105,"website":"WWW.PSECREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOSEPH C ANDERSON","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":10,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"5255 REGENCY DRIVE, PARMA, OH, 44129, USA","city":"PARMA","state":"OH","country":"USA","zip_code":44129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":101,"Total Gross UBI":73409,"Net unrelated business taxable income":0,"Number of employees":101,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":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":19534332,"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":15969410,"Total revenue":{"value":15969410,"INTEREST INCOME":12428121,"FEES & COMMISSIONS":2344857,"OTHER OPERATING INCOME":1196432},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3564922,"Investment income total":3564922,"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":17231781,"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":4080319,"Current officers":660621,"Disqualified persons":0,"Other salaries and wages":2597274,"Pension plan contributions":214960,"Other employee benefits":347977,"Payroll taxes":259487},"Other expenses":{"value":13151462,"Management services":0,"Legal":42554,"Accounting":54616,"Lobbying services":0,"Investment management fees":0,"Other services":2048,"Advertising":491555,"Office expenses":2361505,"Information technology":0,"Royalties":0,"Occupancy":677355,"Travel":18671,"Conferences and meetings":0,"Interest":5327836,"Payments to affiliates":0,"Depreciation and depletion":283164,"Insurance":131161,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3760997,"PROVISION FOR LOAN LOSS":2489842,"LOAN PROCESSING":750396,"MISCELLANEOUS EXPENSES":347022,"DIRECTOR AND DUES":173737},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":320712477,"Non-interest bearing cash":3224217,"Savings and temp cash investments":28308085,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":196707077,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":4895012,"Investments publicly traded":50150329,"Investments other":26344593,"Investments program related":0,"Intangible assets":0,"Other assets":11083164},"Liabilities":{"value":290892868,"Sum of Total Liabilities":0,"Accounts payable, accrued":1813685,"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":289079183},"Fund balance":{"value":29819609,"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":0.11787201118523019,"percentile":0.6524722729976834},"Liabilities to Assets Ratio":{"score":0.9070207393272074,"percentile":0.0634933705650137},"Operating Reserve Ratio":{"score":18.61168482816721,"percentile":0.9413381555007528},"Officer Compensation Ratio":{"score":0.038337418517563567,"percentile":0.8159617337233285},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.14938705435825117,"percentile":0.8475266745449348},"Asset Growth":{"score":0.1036599753539057,"percentile":0.6919388016295716},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.651718337949869,"percentile":0.7458530676550176}},"source_xml":"202532879349301263_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}