{"success":true,"data":{"_id":340813484,"filings":[{"Organization":{"value":null,"Person":["Mark DeGeorge","Phil Pawlowski","Michael Fitchet","Joanne Prickett","Mary Zappitelli","Connie Peet","Mark Astorino","Steve Cervas","Alanna Dammes"],"Title":["Chief Executive Officer","Chief Financial Officer","Chairman of Board","Vice Chairperson of Board","Director","Director","Director","Director","Director"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[161133,122144,0,0,0,0,0,0,0],"Direct compensation":[134133,89644,0,0,0,0,0,0,0],"Other compensation":[27000,32500,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Community first credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services for the member owners.","year":2021,"name":"COMMUNITY FIRST CREDIT UNION INC","phone":4409975919,"website":"www.cfcua.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Mark DeGeorge","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":7,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"2043 East Prospect Road, Ashtabula, OH, 44004, USA","city":"Ashtabula","state":"OH","country":"USA","zip_code":44004},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":18,"Total Gross UBI":5067,"Net unrelated business taxable income":0,"Number of employees":18,"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":2733229,"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":2097890,"Total revenue":{"value":2097890,"Interest on loans to members":1657993,"Fees to members":434830,"ATM surcharges to nonmembers":5067},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":635339,"Investment income total":635339,"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":2645092,"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":1086529,"Current officers":223777,"Disqualified persons":0,"Other salaries and wages":604098,"Pension plan contributions":45296,"Other employee benefits":149706,"Payroll taxes":63652},"Other expenses":{"value":1558563,"Management services":20367,"Legal":138,"Accounting":20665,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":52659,"Office expenses":230157,"Information technology":368553,"Royalties":0,"Occupancy":68159,"Travel":0,"Conferences and meetings":12101,"Interest":174068,"Payments to affiliates":0,"Depreciation and depletion":81343,"Insurance":24673,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":493675,"Share servicing (ATM, debit, draft)":267610,"Loan servicing (credit card, collection)":206951,"Regulators":19114},"All other expenses":12005},"Functional Expenses":{"value":null,"Program Service Expenses":2143705,"Management And General Expenses":501387,"Fundraising Expenses":0}},"Assets":{"value":99249182,"Non-interest bearing cash":908886,"Savings and temp cash investments":5932935,"Pledges and grants receivable":0,"Accounts receivable":247825,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":35633987,"Inventories for sale or use":0,"Prepaid expenses deferred charges":60291,"Land, building, equipment":1072396,"Investments publicly traded":0,"Investments other":0,"Investments program related":54321853,"Intangible assets":0,"Other assets":1071009},"Liabilities":{"value":87246620,"Sum of Total Liabilities":0,"Accounts payable, accrued":572691,"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":86673929},"Fund balance":{"value":12002562,"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":0.8104462907150299,"percentile":0.6387727276389035},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.03224647477397613,"percentile":0.48339436918534917},"Liabilities to Assets Ratio":{"score":0.8790663886781455,"percentile":0.06802381221598963},"Operating Reserve Ratio":{"score":37.522015113273945,"percentile":0.9745272023958326},"Officer Compensation Ratio":{"score":0.10709532976546751,"percentile":0.5290379170783381},"Program Expense Growth":{"score":0.025331255901280377,"percentile":0.42848249487361195},"Revenue Growth":{"score":0.037355266551387115,"percentile":0.5500243431206957},"Asset Growth":{"score":0.03740981924650041,"percentile":0.4767040846107759},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6011121466705894,"percentile":0.6087587690782886}},"source_xml":"202211369349307111_public.xml"},{"Organization":{"value":null,"Person":["Mark DeGeorge","Phil Pawlowski","Michael Fitchet","Joanne Prickett","Mary Zappitelli","Connie Peet","Mark Astorino","Steve Cervas","Lisa Hawkins"],"Title":["Chief Executive Officer","Chief Financial Officer","Chairperson of Board","Vice Chairperson of Board","Treasurer/Secretary of Board","Director","Director","Director","Director"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[179298,139471,0,0,0,0,0,0,0],"Direct compensation":[153298,108471,0,0,0,0,0,0,0],"Other compensation":[26000,31000,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Community first credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services for the member owners.","year":2024,"name":"COMMUNITY FIRST CREDIT UNION INC","phone":4409975919,"website":"www.cfcua.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Mark DeGeorge","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":9,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"2043 East Prospect Road, Ashtabula, OH, 44004, USA","city":"Ashtabula","state":"OH","country":"USA","zip_code":44004},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":19,"Total Gross UBI":5415,"Net unrelated business taxable income":0,"Number of employees":19,"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":3986299,"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":2864624,"Total revenue":{"value":2864624,"Interest on loans to members":2408175,"Fees to members":451034,"ATM surcharges to non-members":5415},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1121675,"Investment income total":1121675,"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":3710327,"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":1263703,"Current officers":261769,"Disqualified persons":0,"Other salaries and wages":711754,"Pension plan contributions":58317,"Other employee benefits":153819,"Payroll taxes":78044},"Other expenses":{"value":2446624,"Management services":22202,"Legal":0,"Accounting":25300,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":27768,"Office expenses":95082,"Information technology":611126,"Royalties":0,"Occupancy":79278,"Travel":0,"Conferences and meetings":19584,"Interest":698982,"Payments to affiliates":0,"Depreciation and depletion":90994,"Insurance":34672,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":712621,"Share servicing (ATM, debit, draft)":221476,"Loan servicing (credit card, collection)":469542,"Regulators":21603},"All other expenses":29015},"Functional Expenses":{"value":null,"Program Service Expenses":3131644,"Management And General Expenses":578683,"Fundraising Expenses":0}},"Assets":{"value":93442029,"Non-interest bearing cash":892127,"Savings and temp cash investments":4060325,"Pledges and grants receivable":0,"Accounts receivable":108098,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":41720231,"Inventories for sale or use":0,"Prepaid expenses deferred charges":120964,"Land, building, equipment":872946,"Investments publicly traded":0,"Investments other":0,"Investments program related":44492706,"Intangible assets":0,"Other assets":1174632},"Liabilities":{"value":81209087,"Sum of Total Liabilities":0,"Accounts payable, accrued":686462,"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":80522625},"Fund balance":{"value":12232942,"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":0.8440345015412388,"percentile":0.6842928552439722},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.06923013050451057,"percentile":0.5657614855180052},"Liabilities to Assets Ratio":{"score":0.8690852271626079,"percentile":0.06949620063156205},"Operating Reserve Ratio":{"score":25.184310978520223,"percentile":0.9591925159940092},"Officer Compensation Ratio":{"score":0.0859139908692684,"percentile":0.6018132917095432},"Program Expense Growth":{"score":0.04486777402990863,"percentile":0.5115651143400906},"Revenue Growth":{"score":0.04429052217769089,"percentile":0.581794425355369},"Asset Growth":{"score":0.03377901067235013,"percentile":0.4617622329313981},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6419827345871072,"percentile":0.7214585362761212}},"source_xml":"202511349349307681_public.xml"},{"Organization":{"value":null,"Person":["Michael Fitchet","Joanne Pickett","Mary Zappitelli","Connie Peet","Mark Astorino","Steve Cervas","Alanna Dammes","Luz Campbell","Mark DeGeorge","Phil Pawlowski"],"Title":["Chairman of Board","Vice Chairperson of Board","Director","Director","Director","Director","Director","Treasurer / Secretary / Chief Operating Officer","Chief Executive Officer","Chief Financial Officer"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,77909,111551,80837],"Direct compensation":[0,0,0,0,0,0,0,72209,103501,69887],"Other compensation":[0,0,0,0,0,0,0,5700,8050,10950]},"Basic":{"value":null,"mission":"Community first credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services for the member owners.","year":2014,"name":"Community First Credit Union Inc","phone":4409975919,"website":"www.cfcua.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Mark DeGeorge","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":10,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"2043 East Prospect Road, Ashtabula, OH, 44004, USA","city":"Ashtabula","state":"OH","country":"USA","zip_code":44004},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":16,"Total Gross UBI":5610,"Net unrelated business taxable income":0,"Number of employees":16,"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":2168161,"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":1596954,"Total revenue":{"value":1596954,"Interest on loans to members":1349355,"Fees to members":241989,"ATM surcharges to nonmembers":5610},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":571207,"Investment income total":571207,"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":2278586,"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":833044,"Current officers":245597,"Disqualified persons":0,"Other salaries and wages":418668,"Pension plan contributions":39686,"Other employee benefits":70172,"Payroll taxes":58921},"Other expenses":{"value":1445542,"Management services":19917,"Legal":8881,"Accounting":16212,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":43082,"Office expenses":119339,"Information technology":178553,"Royalties":0,"Occupancy":45531,"Travel":0,"Conferences and meetings":21049,"Interest":216388,"Payments to affiliates":0,"Depreciation and depletion":45950,"Insurance":24046,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":694188,"Loan servicing (collections, credit card)":354321,"Share servicing (ATM, debit, draft)":333261,"Regulators":6606},"All other expenses":12406},"Functional Expenses":{"value":null,"Program Service Expenses":1830776,"Management And General Expenses":447810,"Fundraising Expenses":0}},"Assets":{"value":71112271,"Non-interest bearing cash":913581,"Savings and temp cash investments":481382,"Pledges and grants receivable":0,"Accounts receivable":16792,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":25826910,"Inventories for sale or use":0,"Prepaid expenses deferred charges":61948,"Land, building, equipment":729612,"Investments publicly traded":0,"Investments other":0,"Investments program related":42227530,"Intangible assets":0,"Other assets":854516},"Liabilities":{"value":60562321,"Sum of Total Liabilities":0,"Accounts payable, accrued":437177,"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":60125144},"Fund balance":{"value":10549950,"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":0.8034702223220892,"percentile":0.62988488153835},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.05093025840793188,"percentile":0.28387612069181617},"Liabilities to Assets Ratio":{"score":0.8516437479545549,"percentile":0.07197271370116005},"Operating Reserve Ratio":{"score":31.208947566604902,"percentile":0.9686467503014696},"Officer Compensation Ratio":{"score":0.1186248840289548,"percentile":0.4938279805054536},"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":0.591505608474183,"percentile":0.5805127327246733}},"source_xml":"201501339349302145_public.xml"},{"Organization":{"value":null,"Person":["Michael Fitchet","Joanne Pickett","Mary Zappitelli","Connie Peet","Mark Astorino","Steve Cervas","Alanna Dammes","Mark DeGeorge","Phil Pawlowski","Luz Campbell"],"Title":["Chairman of Board","Vice Chairperson of Board","Director","Director","Director","Director","Director","Chief Executive Officer","Chief Financial Officer","Chief Operating Officer"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,143677,105649,98529],"Direct compensation":[0,0,0,0,0,0,0,123027,82299,77629],"Other compensation":[0,0,0,0,0,0,0,20650,23350,20900]},"Basic":{"value":null,"mission":"Community first credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services for the member owners.","year":2017,"name":"Community First Credit Union Inc","phone":4409975919,"website":"www.cfcua.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Mark DeGeorge","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":10,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"2043 East Prospect Road, Ashtabula, OH, 44004, USA","city":"Ashtabula","state":"OH","country":"USA","zip_code":44004},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":16,"Total Gross UBI":5133,"Net unrelated business taxable income":0,"Number of employees":16,"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":2723780,"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":1998954,"Total revenue":{"value":1998954,"Interest on loans to members":1589366,"Fees to members":404455,"ATM surcharges to nonmembers":5133},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":724826,"Investment income total":724826,"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":2467150,"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":929245,"Current officers":282955,"Disqualified persons":0,"Other salaries and wages":436184,"Pension plan contributions":44864,"Other employee benefits":108086,"Payroll taxes":57156},"Other expenses":{"value":1537905,"Management services":19888,"Legal":2636,"Accounting":17146,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":63195,"Office expenses":104293,"Information technology":198269,"Royalties":0,"Occupancy":51198,"Travel":0,"Conferences and meetings":33329,"Interest":151532,"Payments to affiliates":0,"Depreciation and depletion":70151,"Insurance":24777,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":786377,"Loan servicing (collections, credit card)":413298,"Share servicing (ATM, debit, draft)":346270,"Regulators":26809},"All other expenses":15114},"Functional Expenses":{"value":null,"Program Service Expenses":2005030,"Management And General Expenses":462120,"Fundraising Expenses":0}},"Assets":{"value":75705249,"Non-interest bearing cash":676549,"Savings and temp cash investments":1815851,"Pledges and grants receivable":0,"Accounts receivable":210485,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":31320459,"Inventories for sale or use":0,"Prepaid expenses deferred charges":56665,"Land, building, equipment":688053,"Investments publicly traded":0,"Investments other":0,"Investments program related":40069802,"Intangible assets":0,"Other assets":867385},"Liabilities":{"value":64749565,"Sum of Total Liabilities":0,"Accounts payable, accrued":556083,"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":64193482},"Fund balance":{"value":10955684,"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":0.812690756540948,"percentile":0.6416454528610442},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.09421832893992907,"percentile":0.6131403745792215},"Liabilities to Assets Ratio":{"score":0.8552850146493806,"percentile":0.07146430134063546},"Operating Reserve Ratio":{"score":30.685304501145048,"percentile":0.9680081418535287},"Officer Compensation Ratio":{"score":0.140994669963318,"percentile":0.4336281413808816},"Program Expense Growth":{"score":0.02792846295759621,"percentile":0.43982738660892323},"Revenue Growth":{"score":0.04907151119488515,"percentile":0.6023725513746234},"Asset Growth":{"score":0.01924271265354379,"percentile":0.4006216169160994},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6197497991238914,"percentile":0.6620196892918002}},"source_xml":"201801299349300630_public.xml"},{"Organization":{"value":null,"Person":["Michael Fitchet","Joanne Pickett","Mary Zappitelli","Connie Peet","Mark Astorino","Steve Cervas","Alanna Dammes","Mark DeGeorge","Phil Pawlowski","Luz Campbell"],"Title":["Chairman of Board","Vice Chairperson of Board","Director","Director","Director","Director","Director","Chief Executive Officer","Chief Financial Officer","Chief Operating Officer"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,138903,98184,83345],"Direct compensation":[0,0,0,0,0,0,0,115903,78034,77295],"Other compensation":[0,0,0,0,0,0,0,23000,20150,6050]},"Basic":{"value":null,"mission":"Community first credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services for the member owners.","year":2015,"name":"Community First Credit Union Inc","phone":4409975919,"website":"www.cfcua.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Mark DeGeorge","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":10,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"2043 East Prospect Road, Ashtabula, OH, 44004, USA","city":"Ashtabula","state":"OH","country":"USA","zip_code":44004},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":16,"Total Gross UBI":4797,"Net unrelated business taxable income":0,"Number of employees":16,"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":2331201,"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":1743867,"Total revenue":{"value":1743867,"Interest on loans to members":1411470,"Fees to members":327600,"ATM surcharges to non members":4797},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":587334,"Investment income total":587334,"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":2181881,"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":820806,"Current officers":271232,"Disqualified persons":0,"Other salaries and wages":378782,"Pension plan contributions":39624,"Other employee benefits":78496,"Payroll taxes":52672},"Other expenses":{"value":1361075,"Management services":19554,"Legal":3669,"Accounting":14384,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":41249,"Office expenses":109447,"Information technology":180123,"Royalties":0,"Occupancy":47763,"Travel":0,"Conferences and meetings":19733,"Interest":197688,"Payments to affiliates":0,"Depreciation and depletion":72350,"Insurance":24877,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":621055,"Loan servicing (collections, credit cards)":291894,"Share servicing (ATM, debit, draft)":315827,"Regulators":13334},"All other expenses":9183},"Functional Expenses":{"value":null,"Program Service Expenses":1729031,"Management And General Expenses":452850,"Fundraising Expenses":0}},"Assets":{"value":73883923,"Non-interest bearing cash":824625,"Savings and temp cash investments":1925329,"Pledges and grants receivable":0,"Accounts receivable":24335,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":25815375,"Inventories for sale or use":0,"Prepaid expenses deferred charges":75543,"Land, building, equipment":731235,"Investments publicly traded":0,"Investments other":0,"Investments program related":43681611,"Intangible assets":0,"Other assets":805870},"Liabilities":{"value":63179785,"Sum of Total Liabilities":0,"Accounts payable, accrued":446554,"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":62733231},"Fund balance":{"value":10704138,"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":0.7924497257183137,"percentile":0.6158322122239855},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.06405282084213244,"percentile":0.5551985365254177},"Liabilities to Assets Ratio":{"score":0.8551222300418455,"percentile":0.07148929179510122},"Operating Reserve Ratio":{"score":33.862489750815925,"percentile":0.971488962077369},"Officer Compensation Ratio":{"score":0.14686043830988033,"percentile":0.4194726665615002},"Program Expense Growth":{"score":-0.033020937752582476,"percentile":0.229378552374848},"Revenue Growth":{"score":0.00574738066374105,"percentile":0.3953709155281113},"Asset Growth":{"score":0.023204372214033573,"percentile":0.41740151681031906},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5614797009341065,"percentile":0.4913989588397529}},"source_xml":"201601319349302990_public.xml"},{"Organization":{"value":null,"Person":["Mark DeGeorge","Phil Pawlowski","Michael Fitchet","Joanne Prickett","Mary Zappitelli","Connie Peet","Mark Astorino","Steve Cervas","Alanna Dammes"],"Title":["Chief Executive Officer","Chief Financial Officer","Chairman of Board","Vice Chairperson of Board","Director","Director","Director","Director","Director"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[163298,117579,0,0,0,0,0,0,0],"Direct compensation":[140698,92879,0,0,0,0,0,0,0],"Other compensation":[22600,24700,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Community first credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services for the member owners.","year":2020,"name":"COMMUNITY FIRST CREDIT UNION INC","phone":4409975919,"website":"www.cfcua.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Mark DeGeorge","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":10,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"2043 East Prospect Road, Ashtabula, OH, 44004, USA","city":"Ashtabula","state":"OH","country":"USA","zip_code":44004},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":16,"Total Gross UBI":3504,"Net unrelated business taxable income":0,"Number of employees":16,"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":2927236,"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":2182186,"Total revenue":{"value":2182186,"Interest on loans to members":1771285,"Fees to members":407397,"ATM surcharges to nonmembers":3504},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":745050,"Investment income total":745050,"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":2704734,"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":980345,"Current officers":301659,"Disqualified persons":0,"Other salaries and wages":478909,"Pension plan contributions":45126,"Other employee benefits":98220,"Payroll taxes":56431},"Other expenses":{"value":1724389,"Management services":20198,"Legal":1829,"Accounting":18256,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":59364,"Office expenses":138797,"Information technology":250423,"Royalties":0,"Occupancy":53268,"Travel":0,"Conferences and meetings":11975,"Interest":236866,"Payments to affiliates":0,"Depreciation and depletion":68403,"Insurance":24999,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":837558,"Share servicing (ATM, debit, draft)":423992,"Loan servicing (credit card, collection)":393973,"Regulators":19593},"All other expenses":2453},"Functional Expenses":{"value":null,"Program Service Expenses":2189981,"Management And General Expenses":514753,"Fundraising Expenses":0}},"Assets":{"value":89464268,"Non-interest bearing cash":677211,"Savings and temp cash investments":3634656,"Pledges and grants receivable":0,"Accounts receivable":93911,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":36125478,"Inventories for sale or use":0,"Prepaid expenses deferred charges":81685,"Land, building, equipment":837410,"Investments publicly traded":0,"Investments other":0,"Investments program related":47049845,"Intangible assets":0,"Other assets":964072},"Liabilities":{"value":77431423,"Sum of Total Liabilities":0,"Accounts payable, accrued":450786,"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":76980637},"Fund balance":{"value":12032845,"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":0.8096844273780712,"percentile":0.6377740004672408},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.0760109536778039,"percentile":0.5793140329742378},"Liabilities to Assets Ratio":{"score":0.8655011071012172,"percentile":0.0700234582528313},"Operating Reserve Ratio":{"score":33.076919209060854,"percentile":0.97071859011422},"Officer Compensation Ratio":{"score":0.10384644109180423,"percentile":0.5394191195611139},"Program Expense Growth":{"score":0.0288217105086184,"percentile":0.44369113651145115},"Revenue Growth":{"score":0.04961496244278117,"percentile":0.604701315928352},"Asset Growth":{"score":0.02595258381221475,"percentile":0.4290011822833011},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6211974316254122,"percentile":0.6660435810616907}},"source_xml":"202101239349301430_public.xml"},{"Organization":{"value":null,"Person":["Michael Fitchet","Joanne Prickett","Mary Zappitelli","Connie Peet","Mark Astorino","Steve Cervas","Alanna Dammes","Mark DeGeorge","Phil Pawlowski","Luz Martinez"],"Title":["Chairman of Board","Vice Chairperson of Board","Director","Director","Director","Director","Director","Chief Executive Officer","Chief Financial Officer","Chief Operating Officer"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,147180,107455,98382],"Direct compensation":[0,0,0,0,0,0,0,126780,84955,80982],"Other compensation":[0,0,0,0,0,0,0,20400,22500,17400]},"Basic":{"value":null,"mission":"Community first credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services for the member owners.","year":2018,"name":"Community First Credit Union Inc","phone":4409975919,"website":"www.cfcua.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Mark DeGeorge","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":10,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"2043 East Prospect Road, Ashtabula, OH, 44004, USA","city":"Ashtabula","state":"OH","country":"USA","zip_code":44004},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":17,"Total Gross UBI":5130,"Net unrelated business taxable income":0,"Number of employees":17,"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":2941376,"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":2173943,"Total revenue":{"value":2173943,"Interest on loans to members":1676117,"Fees to members":492696,"ATM surcharges to nonmembers":5130},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":767433,"Investment income total":767433,"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":2666518,"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":947015,"Current officers":292716,"Disqualified persons":0,"Other salaries and wages":451739,"Pension plan contributions":43117,"Other employee benefits":104898,"Payroll taxes":54545},"Other expenses":{"value":1719503,"Management services":19887,"Legal":6428,"Accounting":17477,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":62052,"Office expenses":125255,"Information technology":202866,"Royalties":0,"Occupancy":54400,"Travel":0,"Conferences and meetings":17424,"Interest":151355,"Payments to affiliates":0,"Depreciation and depletion":79253,"Insurance":26038,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":945043,"Loan servicing (collections, credit card)":523984,"Share servicing (ATM, debit, draft)":401352,"Regulators":19707},"All other expenses":12025},"Functional Expenses":{"value":null,"Program Service Expenses":2155507,"Management And General Expenses":511011,"Fundraising Expenses":0}},"Assets":{"value":74023782,"Non-interest bearing cash":546383,"Savings and temp cash investments":1162119,"Pledges and grants receivable":0,"Accounts receivable":48951,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":34066351,"Inventories for sale or use":0,"Prepaid expenses deferred charges":142708,"Land, building, equipment":641612,"Investments publicly traded":0,"Investments other":0,"Investments program related":36573465,"Intangible assets":0,"Other assets":842193},"Liabilities":{"value":62807520,"Sum of Total Liabilities":0,"Accounts payable, accrued":627667,"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":62179853},"Fund balance":{"value":11216262,"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":0.8083601910806527,"percentile":0.636072800947371},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.09344538066537567,"percentile":0.6117598073972232},"Liabilities to Assets Ratio":{"score":0.8484775879189744,"percentile":0.07239755142707785},"Operating Reserve Ratio":{"score":27.760465895973702,"percentile":0.9638630475890612},"Officer Compensation Ratio":{"score":0.13238875567312877,"percentile":0.45553288886653154},"Program Expense Growth":{"score":0.03507280134620494,"percentile":0.4708590652450169},"Revenue Growth":{"score":0.05754789311193992,"percentile":0.6367656433597034},"Asset Growth":{"score":0.012524461153079898,"percentile":0.37234017797891517},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6239441773296911,"percentile":0.6736407991147878}},"source_xml":"201901289349301180_public.xml"},{"Organization":{"value":null,"Person":["Mark DeGeorge","Phil Pawlowski","Michael Fitchet","Joanne Prickett","Mary Zappitelli","Connie Peet","Mark Astorino","Steve Cervas","Alanna Dammes"],"Title":["Chief Executive Officer","Chief Financial Officer","Chairperson of Board","Vice Chairperson of Board","Treasurer of Board","Director","Director","Director","Director"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[162425,124635,0,0,0,0,0,0,0],"Direct compensation":[132425,88435,0,0,0,0,0,0,0],"Other compensation":[30000,36200,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Community first credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services for the member owners.","year":2022,"name":"708 COMMUNITY FIRST CREDIT UNION INC","phone":4409975919,"website":"www.cfcua.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Mark DeGeorge","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":10,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"2043 East Prospect Road, Ashtabula, OH, 44004, USA","city":"Ashtabula","state":"OH","country":"USA","zip_code":44004},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":19,"Total Gross UBI":5601,"Net unrelated business taxable income":0,"Number of employees":19,"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":2912524,"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":2190522,"Total revenue":{"value":2190522,"Interest on loans to members":1695270,"Fees to members":489651,"ATM surcharges to nonmembers":5601},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":722002,"Investment income total":722002,"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":2909216,"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":1157333,"Current officers":220860,"Disqualified persons":0,"Other salaries and wages":646555,"Pension plan contributions":50511,"Other employee benefits":172697,"Payroll taxes":66710},"Other expenses":{"value":1751883,"Management services":22590,"Legal":141,"Accounting":23746,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":21790,"Office expenses":153748,"Information technology":558665,"Royalties":0,"Occupancy":89705,"Travel":0,"Conferences and meetings":18759,"Interest":213777,"Payments to affiliates":0,"Depreciation and depletion":93784,"Insurance":35546,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":514851,"Share servicing (ATM, debit, draft)":190836,"Loan servicing (Credit card, collection)":303807,"Regulators":20208},"All other expenses":4781},"Functional Expenses":{"value":null,"Program Service Expenses":2384534,"Management And General Expenses":524682,"Fundraising Expenses":0}},"Assets":{"value":100431742,"Non-interest bearing cash":775895,"Savings and temp cash investments":3362918,"Pledges and grants receivable":0,"Accounts receivable":503399,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":38204392,"Inventories for sale or use":0,"Prepaid expenses deferred charges":110948,"Land, building, equipment":1014811,"Investments publicly traded":0,"Investments other":0,"Investments program related":53326218,"Intangible assets":0,"Other assets":3133161},"Liabilities":{"value":89092889,"Sum of Total Liabilities":0,"Accounts payable, accrued":919274,"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":88173615},"Fund balance":{"value":11338853,"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":0.8196483176223422,"percentile":0.6507123407957593},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.001135784632160971,"percentile":0.39842916155713465},"Liabilities to Assets Ratio":{"score":0.8870989114178662,"percentile":0.06675032323718973},"Operating Reserve Ratio":{"score":34.5219268696446,"percentile":0.9720873543603922},"Officer Compensation Ratio":{"score":0.0986726320768207,"percentile":0.5564311832646577},"Program Expense Growth":{"score":0.028324425803014672,"percentile":0.441554034658068},"Revenue Growth":{"score":0.03256219820221704,"percentile":0.5271633671169375},"Asset Growth":{"score":0.0413057712104108,"percentile":0.4925809409876061},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5918857436934474,"percentile":0.5816172481187941}},"source_xml":"202331329349304863_public.xml"},{"Organization":{"value":null,"Person":["Mark DeGeorge","Phil Pawlowski","Michael Fitchet","Joanne Prickett","Mary Zappitelli","Connie Peet","Mark Astorino","Steve Cervas"],"Title":["Chief Executive Officer","Chief Financial Officer","Chairperson of Board","Vice Chairperson of Board","Treasurer/Secretary of Board","Director","Director","Director"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[173522,129474,0,0,0,0,0,0],"Direct compensation":[143622,93574,0,0,0,0,0,0],"Other compensation":[29900,35900,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Community first credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services for the member owners.","year":2023,"name":"COMMUNITY FIRST CREDIT UNION INC","phone":4409975919,"website":"www.cfcua.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Mark DeGeorge","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":9,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"2043 East Prospect Road, Ashtabula, OH, 44004, USA","city":"Ashtabula","state":"OH","country":"USA","zip_code":44004},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":19,"Total Gross UBI":4806,"Net unrelated business taxable income":0,"Number of employees":19,"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":3451816,"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":2523251,"Total revenue":{"value":2523251,"Interest on loans to members":2018150,"Fees to members":500295,"ATM surcharges to nonmembers":4806},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":928565,"Investment income total":928565,"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":3308130,"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":1195549,"Current officers":237196,"Disqualified persons":0,"Other salaries and wages":674274,"Pension plan contributions":53653,"Other employee benefits":159523,"Payroll taxes":70903},"Other expenses":{"value":2112581,"Management services":23052,"Legal":0,"Accounting":27358,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":25987,"Office expenses":132183,"Information technology":601261,"Royalties":0,"Occupancy":80233,"Travel":0,"Conferences and meetings":17995,"Interest":444420,"Payments to affiliates":0,"Depreciation and depletion":92271,"Insurance":34623,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":629359,"Share servicing (ATM, debit, draft)":230595,"Loan servicing (credit card, collection)":376978,"Regulators":21786},"All other expenses":3839},"Functional Expenses":{"value":null,"Program Service Expenses":2770564,"Management And General Expenses":537566,"Fundraising Expenses":0}},"Assets":{"value":92812032,"Non-interest bearing cash":978478,"Savings and temp cash investments":3423677,"Pledges and grants receivable":0,"Accounts receivable":344682,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":40284796,"Inventories for sale or use":0,"Prepaid expenses deferred charges":95194,"Land, building, equipment":934447,"Investments publicly traded":0,"Investments other":0,"Investments program related":45607557,"Intangible assets":0,"Other assets":1143201},"Liabilities":{"value":81026398,"Sum of Total Liabilities":0,"Accounts payable, accrued":944329,"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":80082069},"Fund balance":{"value":11785634,"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":0.8375015492136041,"percentile":0.6750147019728839},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.041626204873029156,"percentile":0.5059110245442997},"Liabilities to Assets Ratio":{"score":0.8730160977404309,"percentile":0.06892428793591956},"Operating Reserve Ratio":{"score":28.055739042903394,"percentile":0.9643290700830333},"Officer Compensation Ratio":{"score":0.09159132198553262,"percentile":0.5810670035901496},"Program Expense Growth":{"score":0.03634790989403541,"percentile":0.4763500631104858},"Revenue Growth":{"score":0.036891392447335455,"percentile":0.5478442409831765},"Asset Growth":{"score":0.03730539496764663,"percentile":0.4762846642127583},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6224076366884447,"percentile":0.6693803254670693}},"source_xml":"202441329349300124_public.xml"},{"Organization":{"value":null,"Person":["Michael Fitchet","Joanne Pickett","Mary Zappitelli","Connie Peet","Mark Astorino","Steve Cervas","Alanna Dammes","Michael Riesterer","Luz Campbell","Mark DeGeorge","Phil Pawlowski"],"Title":["Chairman of Board","Vice Chairperson of Board","Director","Director","Director","Director","Director","Chief Executive Officer","Treasurer / Secretary / Chief Operating Officer","Chief Executive Officer","Chief Financial Officer"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,151165,78411,93316,21000],"Direct compensation":[0,0,0,0,0,0,0,122665,72411,85816,21000],"Other compensation":[0,0,0,0,0,0,0,28500,6000,7500,0]},"Basic":{"value":null,"mission":"Community first credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services for the member owners.","year":2013,"name":"Community First Credit Union Inc","phone":4409975919,"website":"www.cfcua.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Mark DeGeorge","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":10,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"2043 East Prospect Road, Ashtabula, OH, 44004, USA","city":"Ashtabula","state":"OH","country":"USA","zip_code":44004},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":19,"Total Gross UBI":4438,"Net unrelated business taxable income":0,"Number of employees":19,"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":2305129,"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":1608306,"Total revenue":{"value":1608306,"Interest on loans to members":1342284,"Fees to members":261584,"ATM surcharges to nonmembers":4438},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":696823,"Investment income total":696823,"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":2338908,"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":860408,"Current officers":280892,"Disqualified persons":0,"Other salaries and wages":368489,"Pension plan contributions":36711,"Other employee benefits":119463,"Payroll taxes":54853},"Other expenses":{"value":1478500,"Management services":20079,"Legal":9891,"Accounting":15180,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":64255,"Office expenses":121348,"Information technology":182151,"Royalties":0,"Occupancy":47055,"Travel":0,"Conferences and meetings":62467,"Interest":252580,"Payments to affiliates":0,"Depreciation and depletion":45362,"Insurance":71808,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":578786,"Loan servicing (visa, collections)":291770,"Share servicing (ATM, debit, draft)":272196,"Regulators":14820},"All other expenses":7538},"Functional Expenses":{"value":null,"Program Service Expenses":1848080,"Management And General Expenses":490828,"Fundraising Expenses":0}},"Assets":{"value":70549521,"Non-interest bearing cash":933521,"Savings and temp cash investments":2072772,"Pledges and grants receivable":0,"Accounts receivable":1147,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":23841512,"Inventories for sale or use":0,"Prepaid expenses deferred charges":88498,"Land, building, equipment":358454,"Investments publicly traded":0,"Investments other":0,"Investments program related":42462582,"Intangible assets":0,"Other assets":791035},"Liabilities":{"value":59921177,"Sum of Total Liabilities":0,"Accounts payable, accrued":541406,"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":59379771},"Fund balance":{"value":10628344,"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":0.7901465128170925,"percentile":0.6132041842217621},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.014653843667751349,"percentile":0.34979952835716377},"Liabilities to Assets Ratio":{"score":0.8493491685081745,"percentile":0.07228140726574932},"Operating Reserve Ratio":{"score":30.163444222688536,"percentile":0.9673432615390585},"Officer Compensation Ratio":{"score":0.14703100763262172,"percentile":0.41906974540755354},"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":0.5943872283336891,"percentile":0.5889744845544831}},"source_xml":"201431339349301223_public.xml"},{"Organization":{"value":null,"Person":["Michael Fitchet","Joanne Pickett","Mary Zappitelli","Connie Peet","Mark Astorino","Steve Cervas","Alanna Dammes","Mark DeGeorge","Phil Pawlowski","Luz Campbell"],"Title":["Chairman of Board","Vice Chairperson of Board","Director","Director","Director","Director","Director","Chief Executive Officer","Chief Financial Officer","Chief Operating Officer"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,131368,98151,90014],"Direct compensation":[0,0,0,0,0,0,0,113168,76901,73514],"Other compensation":[0,0,0,0,0,0,0,18200,21250,16500]},"Basic":{"value":null,"mission":"Community first credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services for the member owners.","year":2016,"name":"Community First Credit Union Inc","phone":4409975919,"website":"www.cfcua.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Mark DeGeorge","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":10,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"2043 East Prospect Road, Ashtabula, OH, 44004, USA","city":"Ashtabula","state":"OH","country":"USA","zip_code":44004},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":17,"Total Gross UBI":5379,"Net unrelated business taxable income":0,"Number of employees":17,"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":2512585,"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":1846303,"Total revenue":{"value":1846303,"Interest on loans to members":1480028,"Fees to members":360896,"ATM surcharges to nonmembers":5379},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":666282,"Investment income total":666282,"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":2507369,"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":902629,"Current officers":263584,"Disqualified persons":0,"Other salaries and wages":436493,"Pension plan contributions":40255,"Other employee benefits":105069,"Payroll taxes":57228},"Other expenses":{"value":1604740,"Management services":19957,"Legal":7227,"Accounting":15017,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":47868,"Office expenses":108186,"Information technology":199210,"Royalties":0,"Occupancy":45820,"Travel":0,"Conferences and meetings":15870,"Interest":172814,"Payments to affiliates":0,"Depreciation and depletion":71478,"Insurance":24597,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":867256,"Loan servicing (collection, credit card)":447934,"Share servicing (ATM, debit, draft)":405668,"Regulators":13654},"All other expenses":9440},"Functional Expenses":{"value":null,"Program Service Expenses":2045176,"Management And General Expenses":462193,"Fundraising Expenses":0}},"Assets":{"value":74891982,"Non-interest bearing cash":875021,"Savings and temp cash investments":1110758,"Pledges and grants receivable":0,"Accounts receivable":55340,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":27573273,"Inventories for sale or use":0,"Prepaid expenses deferred charges":60235,"Land, building, equipment":676514,"Investments publicly traded":0,"Investments other":0,"Investments program related":43721066,"Intangible assets":0,"Other assets":819775},"Liabilities":{"value":64166568,"Sum of Total Liabilities":0,"Accounts payable, accrued":487813,"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":63678755},"Fund balance":{"value":10725414,"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":0.8156661424784306,"percentile":0.645461319713533},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.0020759496693644195,"percentile":0.4015367624415618},"Liabilities to Assets Ratio":{"score":0.8567882206669334,"percentile":0.07126130510804889},"Operating Reserve Ratio":{"score":29.86875166758463,"percentile":0.9669673717564097},"Officer Compensation Ratio":{"score":0.12743756503330783,"percentile":0.4688888704386273},"Program Expense Growth":{"score":0.026273385854916297,"percentile":0.4326367329590977},"Revenue Growth":{"score":0.033719076671694,"percentile":0.5327069914170552},"Asset Growth":{"score":0.02175893165824132,"percentile":0.4112784275772276},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.581032914013162,"percentile":0.54950610783214}},"source_xml":"201721319349304832_public.xml"},{"Organization":{"value":null,"Person":["Michael Fitchet","Joanne Prickett","Mary Zappitelli","Connie Peet","Mark Astorino","Steve Cervas","Alanna Dammes","Mark DeGeorge","Phil Pawlowski","Luz Martinez"],"Title":["Chairman of Board","Vice Chairperson of Board","Director","Director","Director","Director","Director","Chief Executive Officer","Chief Financial Officer","Chief Operating Officer"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,151909,110795,99654],"Direct compensation":[0,0,0,0,0,0,0,130559,87395,84154],"Other compensation":[0,0,0,0,0,0,0,21350,23400,15500]},"Basic":{"value":null,"mission":"Community first credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services for the member owners.","year":2019,"name":"Community First Credit Union Inc","phone":4409975919,"website":"www.cfcua.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Mark DeGeorge","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":10,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"2043 East Prospect Road, Ashtabula, OH, 44004, USA","city":"Ashtabula","state":"OH","country":"USA","zip_code":44004},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":20,"Total Gross UBI":5865,"Net unrelated business taxable income":0,"Number of employees":20,"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":3075300,"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":2259396,"Total revenue":{"value":2259396,"Interest on loans to members":1795494,"Fees to members":458037,"ATM fees to nonmembers":5865},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":815904,"Investment income total":815904,"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":2577384,"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":988728,"Current officers":302108,"Disqualified persons":0,"Other salaries and wages":492632,"Pension plan contributions":45138,"Other employee benefits":89655,"Payroll taxes":59195},"Other expenses":{"value":1588656,"Management services":20400,"Legal":399,"Accounting":17794,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":64304,"Office expenses":132538,"Information technology":220940,"Royalties":0,"Occupancy":52281,"Travel":0,"Conferences and meetings":18332,"Interest":218807,"Payments to affiliates":0,"Depreciation and depletion":79653,"Insurance":24613,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":727813,"Share servicing (ATM, debit, draft)":457245,"Loan servicing (credit cards, collection)":250274,"Regulators":20294},"All other expenses":10782},"Functional Expenses":{"value":null,"Program Service Expenses":2064695,"Management And General Expenses":512689,"Fundraising Expenses":0}},"Assets":{"value":77472453,"Non-interest bearing cash":850235,"Savings and temp cash investments":2595171,"Pledges and grants receivable":0,"Accounts receivable":39948,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":36267830,"Inventories for sale or use":0,"Prepaid expenses deferred charges":139971,"Land, building, equipment":581392,"Investments publicly traded":0,"Investments other":0,"Investments program related":36144581,"Intangible assets":0,"Other assets":853325},"Liabilities":{"value":65698198,"Sum of Total Liabilities":0,"Accounts payable, accrued":735850,"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":64962348},"Fund balance":{"value":11774255,"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":0.801081639367669,"percentile":0.6268969572958037},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.16190810652619256,"percentile":0.7138178389089647},"Liabilities to Assets Ratio":{"score":0.8480201085152164,"percentile":0.07246350983968419},"Operating Reserve Ratio":{"score":30.058560540454973,"percentile":0.9672127105715363},"Officer Compensation Ratio":{"score":0.14059139033997262,"percentile":0.4346547356422099},"Program Expense Growth":{"score":0.028792075328101928,"percentile":0.4435664579550489},"Revenue Growth":{"score":0.05883309524247277,"percentile":0.6416678635251023},"Asset Growth":{"score":0.01372246588111343,"percentile":0.3774183609129347},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6351202253889616,"percentile":0.703814687794915}},"source_xml":"202001479349301100_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["Mark DeGeorge","Phil Pawlowski","Michael Fitchet","Joanne Prickett","Mary Zappitelli","Connie Peet","Mark Astorino","Steve Cervas","Lisa Hawkins"],"Title":["Chief Executive Officer","Chief Financial Officer","Chairperson of Board","Vice Chairperson of Board","Treasurer/Secretary of Board","Director","Director","Director","Director"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[179298,139471,0,0,0,0,0,0,0],"Direct compensation":[153298,108471,0,0,0,0,0,0,0],"Other compensation":[26000,31000,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Community first credit union, inc. is a financial institution cooperative organized to provide loan and deposit products and services for the member owners.","year":2024,"name":"COMMUNITY FIRST CREDIT UNION INC","phone":4409975919,"website":"www.cfcua.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Mark DeGeorge","year_formation":1955,"state_legal_domicile":"OH","total_volunteers":9,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"2043 East Prospect Road, Ashtabula, OH, 44004, USA","city":"Ashtabula","state":"OH","country":"USA","zip_code":44004},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":19,"Total Gross UBI":5415,"Net unrelated business taxable income":0,"Number of employees":19,"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":3986299,"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":2864624,"Total revenue":{"value":2864624,"Interest on loans to members":2408175,"Fees to members":451034,"ATM surcharges to non-members":5415},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1121675,"Investment income total":1121675,"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":3710327,"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":1263703,"Current officers":261769,"Disqualified persons":0,"Other salaries and wages":711754,"Pension plan contributions":58317,"Other employee benefits":153819,"Payroll taxes":78044},"Other expenses":{"value":2446624,"Management services":22202,"Legal":0,"Accounting":25300,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":27768,"Office expenses":95082,"Information technology":611126,"Royalties":0,"Occupancy":79278,"Travel":0,"Conferences and meetings":19584,"Interest":698982,"Payments to affiliates":0,"Depreciation and depletion":90994,"Insurance":34672,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":712621,"Share servicing (ATM, debit, draft)":221476,"Loan servicing (credit card, collection)":469542,"Regulators":21603},"All other expenses":29015},"Functional Expenses":{"value":null,"Program Service Expenses":3131644,"Management And General Expenses":578683,"Fundraising Expenses":0}},"Assets":{"value":93442029,"Non-interest bearing cash":892127,"Savings and temp cash investments":4060325,"Pledges and grants receivable":0,"Accounts receivable":108098,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":41720231,"Inventories for sale or use":0,"Prepaid expenses deferred charges":120964,"Land, building, equipment":872946,"Investments publicly traded":0,"Investments other":0,"Investments program related":44492706,"Intangible assets":0,"Other assets":1174632},"Liabilities":{"value":81209087,"Sum of Total Liabilities":0,"Accounts payable, accrued":686462,"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":80522625},"Fund balance":{"value":12232942,"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":0.8440345015412388,"percentile":0.6842928552439722},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.06923013050451057,"percentile":0.5657614855180052},"Liabilities to Assets Ratio":{"score":0.8690852271626079,"percentile":0.06949620063156205},"Operating Reserve Ratio":{"score":25.184310978520223,"percentile":0.9591925159940092},"Officer Compensation Ratio":{"score":0.0859139908692684,"percentile":0.6018132917095432},"Program Expense Growth":{"score":0.04486777402990863,"percentile":0.5115651143400906},"Revenue Growth":{"score":0.04429052217769089,"percentile":0.581794425355369},"Asset Growth":{"score":0.03377901067235013,"percentile":0.4617622329313981},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6419827345871072,"percentile":0.7214585362761212}},"source_xml":"202511349349307681_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}