{"success":true,"data":{"_id":351082817,"filings":[{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"Provide cooperative financial services to credit union members.","primary_activities":"Provide cooperative financial services to credit union members, educate members in the concepts of thrift and encourage savings among members. Total membership was 3,343 at december 31, 2010.","year":2010,"name":"NEW ALBANY SCHOOLS CREDIT UNION","phone":"8129486466","website":"NASCU.COM","type":"990","principal_officer":"JENNIFER JOHNSON","year_formation":1954,"state_legal_domicile":"IN","total_volunteers":0,"tax_period_begin":"2010-01-01T00:00:00","tax_period_end":"2010-12-31T00:00:00","address":"3105 GRANT LINE RD, NEW ALBANY, IN, 471502155, USA","city":"NEW ALBANY","state":"IN","country":"USA","zip_code":"471502155"},"Governance":{"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":8,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":8,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":false,"Delegation of management duties":false,"Conflict of interest policy":false,"Whistle blower policy":false,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":false,"Material diversion or misuse":false,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":false,"Minutes of governing body":true,"Local chapters":false,"Form 990 provided to governing body":false,"Document retention policy":true,"Investment in joint venture":false,"Independent audit financial statements":true,"Consolidated audit financial statements":false,"Accountant compile or review":false,"Financial statements audited by independent accountant":true,"Audit committee":true,"Federal grant audit required":false,"Political activities":false,"Donor advised funds":false,"Conservation easements":false,"Collections of art":false,"School":false,"Hospital":false,"Foreign activities":false,"Foreign office":false,"Gaming":false,"Fundraising activities":false,"Professional fundraising":false,"Loan to officer or DQP":true,"Grant to related person":false,"Business relationship through family member":false,"Business relationship with organization":false},"Revenues":{"value":642534,"Contributions":{"value":0},"Program revenue":{"value":545099,"Total revenue":{"value":545099,"VARIOUS":545099},"Unrelated business revenue":0},"Investment income":{"value":0},"Other revenues":{"value":97435,"Other total":97435}},"Expenses":{"value":772625,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":222586,"Other salaries and wages":155568,"Pension plan contributions":1600,"Other employee benefits":52511,"Payroll taxes":12907},"Other expenses":{"value":550039,"Legal":9261,"Accounting":21650,"Other services":10079,"Advertising":98,"Office expenses":46500,"Information technology":17409,"Conferences and meetings":1592,"Depreciation and depletion":9807,"Itemized Expenses":{"value":371313,"VARIOUS":371313},"All other expenses":62330}},"Assets":{"value":13529798,"Non-interest bearing cash":202464,"Savings and temp cash investments":5746967,"Other net note and loans":5516053,"Prepaid expenses deferred charges":12823,"Land, building, equipment":152075,"Investments other":1750000,"Other assets":149416},"Liabilities":{"value":12481203,"Accounts payable, accrued":317,"Other liabilities":12480886},"Fund balance":{"value":1048595},"Form990Details":{"program_service_accomplishments":[{"description":"PROVIDE COOPERATIVE FINANCIAL SERVICES TO CREDIT UNION MEMBERS, EDUCATE MEMBERS IN THE CONCEPTS OF THRIFT AND ENCOURAGE SAVINGS AMONG MEMBERS. TOTAL MEMBERSHIP WAS 3,343 AT DECEMBER 31, 2010.","expense":772625,"revenue":642534}],"program_service_revenue_detail":[{"business_code":"522130","description":"LOAN & VISA INTEREST","total_revenue":481598,"related_or_exempt_function_income":481598},{"business_code":"522130","description":"INVESTMENT INTEREST","total_revenue":63501,"related_or_exempt_function_income":63501}],"functional_expense_allocations":{"other_salaries_and_wages":{"total":155568},"pension_plan_contributions":{"total":1600},"other_employee_benefits":{"total":52511},"payroll_taxes":{"total":12907},"legal_fees":{"total":9261},"accounting_fees":{"total":21650},"other_service_fees":{"total":10079},"advertising":{"total":98},"office_expenses":{"total":46500},"information_technology":{"total":17409},"conferences_meetings":{"total":1592},"depreciation_depletion":{"total":9807},"all_other_expenses":{"total":62330}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"employment_tax_returns_filed":true,"deductible_non_cash_contributions":false,"deductible_contributions_of_art":false,"method_of_accounting_accrual":true,"schedule_o_part_vi":true,"schedule_o_part_xi":true,"schedule_o_part_xii":true},"principal_officer_detail":{"person_name":"JENNIFER JOHNSON","address_line1":"3105 GRANT LINE RD","city":"NEW ALBANY","state":"IN","zip":"47150"},"audit_financial_statement_detail":{"accountant_compile_or_review":false,"audited_financial_statement_separate":true,"federal_grant_audit_required":false},"related_party_due_diligence":{"officer_entity_with_business_relationship":false,"officer_mailing_address":false,"related_entity":false,"related_org_controlled_entity":false,"compensation_from_other_sources":false},"grant_due_diligence":{"grants_to_organizations":false,"grants_to_individuals":false,"more_than_5000_to_organizations":false,"more_than_5000_to_individuals":false},"books_are_in_care_of":{"phone":"8129486466","business_name_line1":"JENNIFER RUSS","address_line1":"3105 GRANTLINE RD","city":"NEW ALBANY","state":"IN","zip":"47150"},"officers_directors_key_employees":[{"title":"BOARD MEMBER","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"VICE CHAIRPERSON","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"CHAIRPERSON","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"SECRETARY","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"TREASURER","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"LOAN OFFICER","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"officer":true},{"title":"MANAGER","average_hours_per_week":40.0,"reportable_comp_from_org":38515,"reportable_comp_from_related_orgs":0,"other_compensation":0,"officer":true},{"title":"ASSISTANT MANAGER","average_hours_per_week":40.0,"reportable_comp_from_org":38593,"reportable_comp_from_related_orgs":0,"other_compensation":1350,"officer":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"land_buildings_equipment":{"land":{"other_cost_or_other_basis":54717,"book_value":54717},"buildings":{"other_cost_or_other_basis":200829,"book_value":96129,"depreciation":104700},"equipment":{"other_cost_or_other_basis":160825,"book_value":1229,"depreciation":159596},"total_book_value":152075},"securities":{"other_securities":[{"description":"US AGENCY BONDS","book_value":1750000,"method_of_valuation":"C"}],"total_book_value":1750000},"other_liabilities":{"liabilities":[{"description":"MEMBER DEPOSITS","amount":12480886}],"total_liability":12480886},"net_assets_reconciliation":{"total_revenue":642534,"total_expenses":772625,"excess_or_deficit_for_year":-130091,"prior_period_adjustments":15510,"total_adjustments":15510,"excess_or_deficit_per_financial_statements":-114581},"revenue_reconciliation":{"total_revenue_audited_financial_statements":642534,"revenue_not_reported":0,"revenue_subtotal":642534,"revenue_not_reported_financial_statement":0,"total_revenue_per_990":642534},"expense_reconciliation":{"total_expenses_audited_financial_statements":772625,"expenses_not_reported":0,"expenses_subtotal":772625,"expenses_not_reported_financial_statement":0,"total_expenses_per_990":772625}},"ScheduleL":{"loans_summary":{"total_balance_due":246203},"loans_between_organization_and_interested_persons":[{"person_name":"STEPHEN CUNNINGHAM","purpose":"REAL ESTATE","original_principal":220000,"balance_due":164929,"loan_from_organization":true,"default":false,"approved_by_board":true,"written_agreement":true,"name":"STEPHEN CUNNINGHAM"},{"person_name":"STEPHEN CUNNINGHAM","purpose":"REAL ESTATE","original_principal":25000,"balance_due":0,"loan_from_organization":true,"default":false,"approved_by_board":true,"written_agreement":true,"name":"STEPHEN CUNNINGHAM"},{"person_name":"MICHELLE ENGLE","purpose":"AUTO","original_principal":28000,"balance_due":11448,"loan_from_organization":true,"default":false,"approved_by_board":true,"written_agreement":true,"name":"MICHELLE ENGLE"},{"person_name":"CONNIE BEYER","purpose":"REAL ESTATE","original_principal":63500,"balance_due":61350,"loan_from_organization":true,"default":false,"approved_by_board":true,"written_agreement":true,"name":"CONNIE BEYER"},{"person_name":"CONNIE BEYER","purpose":"LINE OF CREDIT","original_principal":3000,"balance_due":206,"loan_from_organization":true,"default":false,"approved_by_board":true,"written_agreement":true,"name":"CONNIE BEYER"},{"person_name":"CONNIE BEYER","purpose":"SIGNATURE","original_principal":5000,"balance_due":764,"loan_from_organization":true,"default":false,"approved_by_board":true,"written_agreement":true,"name":"CONNIE BEYER"},{"person_name":"JENNIFER RUSS","purpose":"AUTO","original_principal":8500,"balance_due":7506,"loan_from_organization":true,"default":false,"approved_by_board":true,"written_agreement":true,"name":"JENNIFER RUSS"}]},"source_xml":"201112909349301361_public.xml"}],"Latest":{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"Provide cooperative financial services to credit union members.","primary_activities":"Provide cooperative financial services to credit union members, educate members in the concepts of thrift and encourage savings among members. Total membership was 3,343 at december 31, 2010.","year":2010,"name":"NEW ALBANY SCHOOLS CREDIT UNION","phone":"8129486466","website":"NASCU.COM","type":"990","principal_officer":"JENNIFER JOHNSON","year_formation":1954,"state_legal_domicile":"IN","total_volunteers":0,"tax_period_begin":"2010-01-01T00:00:00","tax_period_end":"2010-12-31T00:00:00","address":"3105 GRANT LINE RD, NEW ALBANY, IN, 471502155, USA","city":"NEW ALBANY","state":"IN","country":"USA","zip_code":"471502155"},"Governance":{"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":8,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":8,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":false,"Delegation of management duties":false,"Conflict of interest policy":false,"Whistle blower policy":false,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":false,"Material diversion or misuse":false,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":false,"Minutes of governing body":true,"Local chapters":false,"Form 990 provided to governing body":false,"Document retention policy":true,"Investment in joint venture":false,"Independent audit financial statements":true,"Consolidated audit financial statements":false,"Accountant compile or review":false,"Financial statements audited by independent accountant":true,"Audit committee":true,"Federal grant audit required":false,"Political activities":false,"Donor advised funds":false,"Conservation easements":false,"Collections of art":false,"School":false,"Hospital":false,"Foreign activities":false,"Foreign office":false,"Gaming":false,"Fundraising activities":false,"Professional fundraising":false,"Loan to officer or DQP":true,"Grant to related person":false,"Business relationship through family member":false,"Business relationship with organization":false},"Revenues":{"value":642534,"Contributions":{"value":0},"Program revenue":{"value":545099,"Total revenue":{"value":545099,"VARIOUS":545099},"Unrelated business revenue":0},"Investment income":{"value":0},"Other revenues":{"value":97435,"Other total":97435}},"Expenses":{"value":772625,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":222586,"Other salaries and wages":155568,"Pension plan contributions":1600,"Other employee benefits":52511,"Payroll taxes":12907},"Other expenses":{"value":550039,"Legal":9261,"Accounting":21650,"Other services":10079,"Advertising":98,"Office expenses":46500,"Information technology":17409,"Conferences and meetings":1592,"Depreciation and depletion":9807,"Itemized Expenses":{"value":371313,"VARIOUS":371313},"All other expenses":62330}},"Assets":{"value":13529798,"Non-interest bearing cash":202464,"Savings and temp cash investments":5746967,"Other net note and loans":5516053,"Prepaid expenses deferred charges":12823,"Land, building, equipment":152075,"Investments other":1750000,"Other assets":149416},"Liabilities":{"value":12481203,"Accounts payable, accrued":317,"Other liabilities":12480886},"Fund balance":{"value":1048595},"Form990Details":{"program_service_accomplishments":[{"description":"PROVIDE COOPERATIVE FINANCIAL SERVICES TO CREDIT UNION MEMBERS, EDUCATE MEMBERS IN THE CONCEPTS OF THRIFT AND ENCOURAGE SAVINGS AMONG MEMBERS. TOTAL MEMBERSHIP WAS 3,343 AT DECEMBER 31, 2010.","expense":772625,"revenue":642534}],"program_service_revenue_detail":[{"business_code":"522130","description":"LOAN & VISA INTEREST","total_revenue":481598,"related_or_exempt_function_income":481598},{"business_code":"522130","description":"INVESTMENT INTEREST","total_revenue":63501,"related_or_exempt_function_income":63501}],"functional_expense_allocations":{"other_salaries_and_wages":{"total":155568},"pension_plan_contributions":{"total":1600},"other_employee_benefits":{"total":52511},"payroll_taxes":{"total":12907},"legal_fees":{"total":9261},"accounting_fees":{"total":21650},"other_service_fees":{"total":10079},"advertising":{"total":98},"office_expenses":{"total":46500},"information_technology":{"total":17409},"conferences_meetings":{"total":1592},"depreciation_depletion":{"total":9807},"all_other_expenses":{"total":62330}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"employment_tax_returns_filed":true,"deductible_non_cash_contributions":false,"deductible_contributions_of_art":false,"method_of_accounting_accrual":true,"schedule_o_part_vi":true,"schedule_o_part_xi":true,"schedule_o_part_xii":true},"principal_officer_detail":{"person_name":"JENNIFER JOHNSON","address_line1":"3105 GRANT LINE RD","city":"NEW ALBANY","state":"IN","zip":"47150"},"audit_financial_statement_detail":{"accountant_compile_or_review":false,"audited_financial_statement_separate":true,"federal_grant_audit_required":false},"related_party_due_diligence":{"officer_entity_with_business_relationship":false,"officer_mailing_address":false,"related_entity":false,"related_org_controlled_entity":false,"compensation_from_other_sources":false},"grant_due_diligence":{"grants_to_organizations":false,"grants_to_individuals":false,"more_than_5000_to_organizations":false,"more_than_5000_to_individuals":false},"books_are_in_care_of":{"phone":"8129486466","business_name_line1":"JENNIFER RUSS","address_line1":"3105 GRANTLINE RD","city":"NEW ALBANY","state":"IN","zip":"47150"},"officers_directors_key_employees":[{"title":"BOARD MEMBER","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"VICE CHAIRPERSON","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"CHAIRPERSON","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"SECRETARY","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"TREASURER","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"LOAN OFFICER","average_hours_per_week":1.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"officer":true},{"title":"MANAGER","average_hours_per_week":40.0,"reportable_comp_from_org":38515,"reportable_comp_from_related_orgs":0,"other_compensation":0,"officer":true},{"title":"ASSISTANT MANAGER","average_hours_per_week":40.0,"reportable_comp_from_org":38593,"reportable_comp_from_related_orgs":0,"other_compensation":1350,"officer":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"land_buildings_equipment":{"land":{"other_cost_or_other_basis":54717,"book_value":54717},"buildings":{"other_cost_or_other_basis":200829,"book_value":96129,"depreciation":104700},"equipment":{"other_cost_or_other_basis":160825,"book_value":1229,"depreciation":159596},"total_book_value":152075},"securities":{"other_securities":[{"description":"US AGENCY BONDS","book_value":1750000,"method_of_valuation":"C"}],"total_book_value":1750000},"other_liabilities":{"liabilities":[{"description":"MEMBER DEPOSITS","amount":12480886}],"total_liability":12480886},"net_assets_reconciliation":{"total_revenue":642534,"total_expenses":772625,"excess_or_deficit_for_year":-130091,"prior_period_adjustments":15510,"total_adjustments":15510,"excess_or_deficit_per_financial_statements":-114581},"revenue_reconciliation":{"total_revenue_audited_financial_statements":642534,"revenue_not_reported":0,"revenue_subtotal":642534,"revenue_not_reported_financial_statement":0,"total_revenue_per_990":642534},"expense_reconciliation":{"total_expenses_audited_financial_statements":772625,"expenses_not_reported":0,"expenses_subtotal":772625,"expenses_not_reported_financial_statement":0,"total_expenses_per_990":772625}},"ScheduleL":{"loans_summary":{"total_balance_due":246203},"loans_between_organization_and_interested_persons":[{"person_name":"STEPHEN CUNNINGHAM","purpose":"REAL ESTATE","original_principal":220000,"balance_due":164929,"loan_from_organization":true,"default":false,"approved_by_board":true,"written_agreement":true,"name":"STEPHEN CUNNINGHAM"},{"person_name":"STEPHEN CUNNINGHAM","purpose":"REAL ESTATE","original_principal":25000,"balance_due":0,"loan_from_organization":true,"default":false,"approved_by_board":true,"written_agreement":true,"name":"STEPHEN CUNNINGHAM"},{"person_name":"MICHELLE ENGLE","purpose":"AUTO","original_principal":28000,"balance_due":11448,"loan_from_organization":true,"default":false,"approved_by_board":true,"written_agreement":true,"name":"MICHELLE ENGLE"},{"person_name":"CONNIE BEYER","purpose":"REAL ESTATE","original_principal":63500,"balance_due":61350,"loan_from_organization":true,"default":false,"approved_by_board":true,"written_agreement":true,"name":"CONNIE BEYER"},{"person_name":"CONNIE BEYER","purpose":"LINE OF CREDIT","original_principal":3000,"balance_due":206,"loan_from_organization":true,"default":false,"approved_by_board":true,"written_agreement":true,"name":"CONNIE BEYER"},{"person_name":"CONNIE BEYER","purpose":"SIGNATURE","original_principal":5000,"balance_due":764,"loan_from_organization":true,"default":false,"approved_by_board":true,"written_agreement":true,"name":"CONNIE BEYER"},{"person_name":"JENNIFER RUSS","purpose":"AUTO","original_principal":8500,"balance_due":7506,"loan_from_organization":true,"default":false,"approved_by_board":true,"written_agreement":true,"name":"JENNIFER RUSS"}]},"Ratings":{"Mission Deployment Rate":{"score":null},"Program Expense Ratio":{"score":null},"Fundraising Efficiency":{"score":null,"percentile":null},"Filing Consistency Score":{"score":1.0},"Grant Itemization Coverage":{"score":null},"Independent Voting Board Pct":{"score":1.0},"Operating Margin":{"score":-0.20246555046114292,"percentile":0.19634492509605836},"Operating Reserve Ratio":{"score":17.511468047241546,"percentile":0.9376100437406567},"Liabilities to Assets Ratio":{"score":0.9224973647056667,"percentile":0.0727762662201758},"Officer Compensation Ratio":{"score":0.10154732243973467,"percentile":0.5286876850593121},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Foreign Oversight Score":{"score":null},"Major-Donor Itemization":{"score":null},"Related-Party Transparency":{"score":null},"Pay-Setting Controls":{"score":null,"weight":5,"atoms":{"Compensation committee":{"value":null},"Independent compensation consultant":{"value":null},"Form 990 of other organizations reviewed":{"value":null},"Written employment contract":{"value":null},"Compensation survey or study":{"value":null},"Board or committee approval":{"value":null}}},"Governance Policy Score":{"score":0.6666666666666666,"weight":5,"atoms":{"Conflict of interest policy":{"value":false},"Whistle blower policy":{"value":false},"Document retention policy":{"value":true},"Compensation process for CEO":{"value":true},"Compensation process for other employees":{"value":true},"Form 990 provided to governing body":{"value":false},"Minutes of governing body":{"value":true},"Audit committee":{"value":true},"Independent audit financial statements":{"value":true}}},"Categories":{"Financial Efficiency":{"score":null,"weight":45},"Transparency & Controls":{"score":1.0,"weight":20},"Accountability":{"score":0.861111111111111,"weight":14},"Sustainability":{"score":0.43892573659004275,"weight":13},"Growth":{"score":null,"weight":8}},"Overall Score":{"score":0.803438087898428,"percentile":0.6896404764644808}},"source_xml":"201112909349301361_public.xml"},"sector":"Public, Societal Benefit","donation_categories":[],"zakat_policy":null},"error":null}