{"success":true,"data":{"_id":381231023,"filings":[{"Organization":{"value":null,"Person":["SCOTT MCFARLAND","SHARI WEBER","DUSTIN JANKOVIAK","AMANDA CRAIG","MATTHEW NORDBERG","KENT FIGY","ADAM CARPENTER","RONALD LAUREN","KATHERINE BERRY","JOSHUA VISSERING","LYNNEISE GADDIE","MEGAN HENDRIX","MIMI ELWELL","LARRY OLSON","BRIAN BROWN","MARK FRY","RICHARD ATWELL","RON GRIESINGER","RANDY O'NEIL"],"Title":["CHIEF EXECUTIVE OFFICER","CHIEF FINANCIAL OFFICER","MORTGAGE LOAN OFFICER","CHIEF EXPERIENCE OFFICER","MORTGAGE LOAN OFFICER","CHIEF LENDING OFFICER","MORTGAGE LOAN OFFICER","PRESIDENT OF HONOR HOLDINGS","CHIEF PEOPLE OFFICER","AVP OF FINANCE","VP OF REAL ESTATE LENDING","VP OF OPERATIONS","CHAIR","VICE CHAIR","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[680577,386359,360462,302087,300322,287136,224238,214792,209003,190516,201949,201832,0,0,0,0,0,0,0],"Direct compensation":[595167,303709,301260,250988,244870,235211,184685,182399,171169,163062,163028,161755,0,0,0,0,0,0,0],"Other compensation":[85410,82650,59202,51099,55452,51925,39553,32393,37834,27454,38921,40077,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide financial services to residents of the state of michigan.","year":2019,"name":"HONOR CREDIT UNION","phone":2699836357,"website":"WWW.HONORCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MCFARLAND","year_formation":1934,"state_legal_domicile":"MI","total_volunteers":7,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"8385 EDGEWOOD DRIVE, BERRIEN SPRINGS, MI, 49103, USA","city":"BERRIEN SPRINGS","state":"MI","country":"USA","zip_code":49103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":419,"Total Gross UBI":137103,"Net unrelated business taxable income":63630,"Number of employees":419,"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":69079578,"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":65538383,"Total revenue":{"value":65538383,"LOAN INTEREST INCOME":41839663,"FEES AND CHARGES":23698720},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3336163,"Investment income total":3380376,"Net investment gain":-44213,"Income from invest bond proceeds":0},"Other revenues":{"value":205032,"Other total":96949,"Royalties revenue":0,"Net rental income":108083,"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":57783763,"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":26156466,"Current officers":1508269,"Disqualified persons":0,"Other salaries and wages":15725369,"Pension plan contributions":345620,"Other employee benefits":6936862,"Payroll taxes":1640346},"Other expenses":{"value":31627297,"Management services":0,"Legal":31885,"Accounting":118000,"Lobbying services":0,"Investment management fees":100144,"Other services":287106,"Advertising":2306031,"Office expenses":1388927,"Information technology":1731658,"Royalties":0,"Occupancy":1488488,"Travel":252600,"Conferences and meetings":320149,"Interest":1120859,"Payments to affiliates":0,"Depreciation and depletion":2458473,"Insurance":318287,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":14207289,"FEDERAL INCOME TAXES":401,"INTEREST PAID ON MEMBER":6002358,"PROVISION FOR LOAN LOSS":4526861,"CREDIT AND DEBIT CARD F":3677669},"All other expenses":5497401},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1009278982,"Non-interest bearing cash":17052578,"Savings and temp cash investments":44223372,"Pledges and grants receivable":0,"Accounts receivable":81067,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":799167726,"Inventories for sale or use":0,"Prepaid expenses deferred charges":773263,"Land, building, equipment":35883590,"Investments publicly traded":0,"Investments other":84155898,"Investments program related":0,"Intangible assets":0,"Other assets":27941488},"Liabilities":{"value":890810067,"Sum of Total Liabilities":0,"Accounts payable, accrued":7361357,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":1673334,"Loans from officers, directors":0,"Secured mortgages and notes payable":43394000,"Unsecured notes loans payable":0,"Other liabilities":838381376},"Fund balance":{"value":118468915,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.16351887673662396,"percentile":0.7157684454189891},"Liabilities to Assets Ratio":{"score":0.8826202495912077,"percentile":0.06746480442716143},"Operating Reserve Ratio":{"score":17.466480713621923,"percentile":0.9370263359294653},"Officer Compensation Ratio":{"score":0.061596421126121535,"percentile":0.7020092823266084},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.16223056707006514,"percentile":0.8625169414961599},"Asset Growth":{"score":0.11763856646993667,"percentile":0.7231957142861148},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.659895651695904,"percentile":0.7655153615233073}},"source_xml":"202013219349318406_public.xml"},{"Organization":{"value":null,"Person":["BRIAN BROWN","MIMI ELWELL","RICHARD ATWELL","RON GRIESINGER","CARRIE MUESSIG","PAIGE EAGON","GREG VAUGHN","RANDY O'NEIL","STEPHEN SMITH","SCOTT MCFARLAND","HEATHER LUCIANI","KENT FIGY","KATHERINE BERRY","MEGAN HENDRIX","MATTHEW NORDBERG","MARSHALLL WILLIAMS","JENNIFER PATRICK","EDWARD FREED","TONY MANDARINO"],"Title":["CHAIR","VICE CHAIR","SECRETARY","TREASURER","ASSOCIATE DIRECTOR","ASSOCIATE DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CHIEF EXECUTIVE OFFICER","CHIEF STRATEGY OFFICER","CHIEF LENDING OFFICER","CHIEF PEOPLE OFFICER","CHIEF OPERATIONS OFFICER","MORTGAGE LOAN OFFICER","VP OF FINANCE","VP OF MEMBER EXPERIENCE","VP OF INNOVATION TECHNOLOGY","VP OF BUSINESS SERVICES"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,801759,377305,375147,323137,361631,289918,233027,265165,235883,258448],"Direct compensation":[0,0,0,0,0,0,0,0,0,741008,342559,331927,294086,315264,249275,211663,219562,199352,220159],"Other compensation":[0,0,0,0,0,0,0,0,0,60751,34746,43220,29051,46367,40643,21364,45603,36531,38289]},"Basic":{"value":null,"mission":"To provide financial services to residents of the state of michigan.","year":2024,"name":"HONOR CREDIT UNION","phone":2699836357,"website":"WWW.HONORCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MCFARLAND","year_formation":1934,"state_legal_domicile":"MI","total_volunteers":9,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"8385 EDGEWOOD DRIVE, BERRIEN SPRINGS, MI, 49103, USA","city":"BERRIEN SPRINGS","state":"MI","country":"USA","zip_code":49103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":544,"Total Gross UBI":645076,"Net unrelated business taxable income":27635,"Number of employees":544,"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":127936925,"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":120834197,"Total revenue":{"value":120834197,"LOAN INTEREST INCOME":89038646,"FEES AND CHARGES":29250073,"SALES OF MORTGAGES":1469246,"MORTGAGE PRODUCTION FEES":1076232},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":6467800,"Investment income total":7003710,"Net investment gain":-535910,"Income from invest bond proceeds":0},"Other revenues":{"value":634928,"Other total":496912,"Royalties revenue":0,"Net rental income":138016,"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":111515012,"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":42007499,"Current officers":1179064,"Disqualified persons":0,"Other salaries and wages":27549441,"Pension plan contributions":920744,"Other employee benefits":10053947,"Payroll taxes":2304303},"Other expenses":{"value":69507513,"Management services":0,"Legal":492640,"Accounting":291932,"Lobbying services":0,"Investment management fees":128819,"Other services":709093,"Advertising":3752101,"Office expenses":1688318,"Information technology":3270725,"Royalties":0,"Occupancy":2994795,"Travel":440250,"Conferences and meetings":986062,"Interest":3538526,"Payments to affiliates":0,"Depreciation and depletion":3893565,"Insurance":474446,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":41896991,"INTEREST PAID ON MEMBER":22912233,"CREDIT AND DEBIT CARD F":8945253,"PROVISION FOR LOAN LOSS":7750462,"LOAN SERVICING":2289043},"All other expenses":4949250},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1705014823,"Non-interest bearing cash":34550443,"Savings and temp cash investments":31924373,"Pledges and grants receivable":0,"Accounts receivable":11998,"Receivables from officers":4867977,"Receivables from disqual persons":0,"Other net note and loans":1312903787,"Inventories for sale or use":0,"Prepaid expenses deferred charges":3397878,"Land, building, equipment":59616117,"Investments publicly traded":1350524,"Investments other":214681561,"Investments program related":0,"Intangible assets":346075,"Other assets":41364090},"Liabilities":{"value":1519352936,"Sum of Total Liabilities":0,"Accounts payable, accrued":10645895,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":2603750,"Loans from officers, directors":0,"Secured mortgages and notes payable":40000000,"Unsecured notes loans payable":0,"Other liabilities":1466103291},"Fund balance":{"value":185661887,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.12835944743864994,"percentile":0.6684325589670732},"Liabilities to Assets Ratio":{"score":0.8911083443407694,"percentile":0.06610978921166177},"Operating Reserve Ratio":{"score":15.289554226116211,"percentile":0.9275741225348147},"Officer Compensation Ratio":{"score":0.031577990593768666,"percentile":0.8515145195690258},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.13736259806974244,"percentile":0.8314616147202109},"Asset Growth":{"score":0.11543250238745972,"percentile":0.7185229336886818},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6562912170607521,"percentile":0.7569408183333156}},"source_xml":"202512659349300431_public.xml"},{"Organization":{"value":null,"Person":["SCOTT MCFARLAND","HEATHER LUCIANI","RONALD LAUREN","MATTHEW NORDBERG","AUSTIN WEBER","NITA RICH","AMANDA CRAIG","KENT FIGY","TONY MANDARINO","KATHERINE BERRY","MEGAN HENDRIX","BRIAN BROWN","MIMI ELWELL","RON GRIESINGER","RICHARD ATWELL","PAIGE EAGON","CARRIE MUESSIG","LARRY OLSON","RANDY O'NEIL","STEPHEN SMITH","GREG VAUGHN"],"Title":["CHIEF EXECUTIVE OFFICER","CHIEF STRATEGY OFFICER","PRESIDENT OF HONOR HOLDINGS - PART YEAR","MORTGAGE LOAN OFFICER","SR. COMMERCIAL LOAN OFFICER","MORTGAGE LOAN OFFICER","CHIEF EXPERIENCE OFFICER - PART YEAR","CHIEF LENDING OFFICER","VP OF BUSINESS SERVICES","CHIEF PEOPLE OFFICER","CHIEF OPERATIONS OFFICER","CHAIR","VICE CHAIR","TREASURER","SECRETARY","ASSOCIATE DIRECTOR","ASSOCIATE DIRECTOR","BOARD MEMBER EMERITUS","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[709565,199940,532784,534703,411234,332853,392745,290757,226691,277219,288507,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[656695,196604,162498,494079,375265,295176,332019,251873,205394,249267,249340,0,0,0,0,0,0,0,0,0,0],"Other compensation":[52870,3336,370286,40624,35969,37677,60726,38884,21297,27952,39167,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide financial services to residents of the state of michigan.","year":2022,"name":"HONOR CREDIT UNION","phone":2699836357,"website":"WWW.HONORCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MCFARLAND","year_formation":1934,"state_legal_domicile":"MI","total_volunteers":10,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"8385 EDGEWOOD DRIVE, BERRIEN SPRINGS, MI, 49103, USA","city":"BERRIEN SPRINGS","state":"MI","country":"USA","zip_code":49103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":513,"Total Gross UBI":408707,"Net unrelated business taxable income":3428,"Number of employees":513,"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":90533570,"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":86359390,"Total revenue":{"value":86359390,"LOAN INTEREST INCOME":54420975,"FEES AND CHARGES":29276395,"MORTGAGE PRODUCTION FEES":1433092,"SALES OF MORTGAGES":1228928},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3764648,"Investment income total":5228329,"Net investment gain":-1463681,"Income from invest bond proceeds":0},"Other revenues":{"value":409532,"Other total":275160,"Royalties revenue":0,"Net rental income":134372,"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":71155529,"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":32321427,"Current officers":909504,"Disqualified persons":0,"Other salaries and wages":21358627,"Pension plan contributions":271727,"Other employee benefits":7906654,"Payroll taxes":1874915},"Other expenses":{"value":38834102,"Management services":0,"Legal":351564,"Accounting":237107,"Lobbying services":0,"Investment management fees":169401,"Other services":346865,"Advertising":3152617,"Office expenses":1510594,"Information technology":2204141,"Royalties":0,"Occupancy":2228287,"Travel":298906,"Conferences and meetings":469783,"Interest":887534,"Payments to affiliates":0,"Depreciation and depletion":2939121,"Insurance":448804,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":17689307,"CREDIT AND DEBIT CARD F":6423507,"PROVISION FOR LOAN LOSS":4844528,"INTEREST PAID ON MEMBER":4060278,"LOAN SERVICING":2360994},"All other expenses":5900071},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1585559927,"Non-interest bearing cash":17890281,"Savings and temp cash investments":22553193,"Pledges and grants receivable":0,"Accounts receivable":46792,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1213033033,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1630950,"Land, building, equipment":48608704,"Investments publicly traded":1965679,"Investments other":241640362,"Investments program related":0,"Intangible assets":346075,"Other assets":37844858},"Liabilities":{"value":1442962820,"Sum of Total Liabilities":0,"Accounts payable, accrued":13085755,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":2520986,"Loans from officers, directors":0,"Secured mortgages and notes payable":85000000,"Unsecured notes loans payable":0,"Other liabilities":1342356079},"Fund balance":{"value":142597107,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.21404260320232593,"percentile":0.7699384858883167},"Liabilities to Assets Ratio":{"score":0.9100651419276189,"percentile":0.0629845485249077},"Operating Reserve Ratio":{"score":22.283017908559152,"percentile":0.952549371405175},"Officer Compensation Ratio":{"score":0.058983441750534944,"percentile":0.7140387986209841},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.14013458860997963,"percentile":0.8353075198265549},"Asset Growth":{"score":0.12830890892992547,"percentile":0.7445990512015301},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6701113191658954,"percentile":0.7892967398697259}},"source_xml":"202333199349310188_public.xml"},{"Organization":{"value":null,"Person":["LARRY OLSON","BRIAN BROWN","MIMI ELWELL","MARK FRY","RICHARD ATWELL","SCOTT CARTER","RONALD GRIESINGER","GIL GUZMAN","DANA SLOCUM","TIM HOYLE","SCOTT MCFARLAND","MARY JEAN UNRUH","THOMAS KEMPF","WILLIAM KULICH","KATHY BURDICK","KENT FIGY","SHARI WEBER"],"Title":["BOARD CHAIRMAN","BOARD VICE-CHAIRMAN","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR (PART YEAR)","CEO/PRESIDENT","VICE PRESIDENT OF FINANCE","VICE PRESIDENT OF LENDING","VICE PRESIDENT OF IT","VICE PRESIDENT OF HR","VICE PRESIDENT OF MEMBER SERVICE","CHIEF ADMINISTRATIVE OFFICER"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,304102,159286,137441,132793,122474,129461,119243],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,262640,138457,123278,117103,105440,104100,100860],"Other compensation":[0,0,0,0,0,0,0,0,0,0,41462,20829,14163,15690,17034,25361,18383]},"Basic":{"value":null,"mission":"To provide financial services to residents of the state of michigan.","year":2014,"name":"HONOR CREDIT UNION","phone":2699836357,"website":"WWW.HONORCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MCFARLAND","year_formation":1934,"state_legal_domicile":"MI","total_volunteers":9,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"2920 LAKEVIEW AVENUE, ST JOSEPH, MI, 49085, USA","city":"ST JOSEPH","state":"MI","country":"USA","zip_code":49085},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":274,"Total Gross UBI":166986,"Net unrelated business taxable income":-143439,"Number of employees":274,"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":30476651,"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":28750365,"Total revenue":{"value":28750365,"LOAN INTEREST INCOME":18295385,"FEES AND CHARGES":10454980},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1667966,"Investment income total":1790766,"Net investment gain":-122800,"Income from invest bond proceeds":0},"Other revenues":{"value":58320,"Other total":0,"Royalties revenue":0,"Net rental income":58320,"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":24620104,"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":11898522,"Current officers":463388,"Disqualified persons":0,"Other salaries and wages":7705402,"Pension plan contributions":734380,"Other employee benefits":2217183,"Payroll taxes":778169},"Other expenses":{"value":12721582,"Management services":0,"Legal":214539,"Accounting":70461,"Lobbying services":0,"Investment management fees":94458,"Other services":190470,"Advertising":912941,"Office expenses":914805,"Information technology":1000985,"Royalties":0,"Occupancy":1117618,"Travel":123072,"Conferences and meetings":157214,"Interest":134704,"Payments to affiliates":0,"Depreciation and depletion":1253413,"Insurance":96256,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":5230505,"INTEREST PAID ON MEMBER":1727348,"CREDIT AND DEBIT CARD F":1467102,"PROVISION FOR LOAN LOSS":1263960,"LOAN SERVICING EXPENSE":772095},"All other expenses":1210141},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":598991686,"Non-interest bearing cash":8946753,"Savings and temp cash investments":6673082,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":424046425,"Inventories for sale or use":0,"Prepaid expenses deferred charges":686989,"Land, building, equipment":17445345,"Investments publicly traded":0,"Investments other":126375597,"Investments program related":0,"Intangible assets":0,"Other assets":14817495},"Liabilities":{"value":534523673,"Sum of Total Liabilities":0,"Accounts payable, accrued":3064940,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":848866,"Loans from officers, directors":0,"Secured mortgages and notes payable":24900000,"Unsecured notes loans payable":0,"Other liabilities":505709867},"Fund balance":{"value":64468013,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.19216504464352072,"percentile":0.7483128608983796},"Liabilities to Assets Ratio":{"score":0.8923724410425289,"percentile":0.0659129381727963},"Operating Reserve Ratio":{"score":24.329372694770097,"percentile":0.9574052207048984},"Officer Compensation Ratio":{"score":0.04487389655218353,"percentile":0.782317084784867},"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":0.6456623637217904,"percentile":0.7308396176852853}},"source_xml":"201541339349303764_public.xml"},{"Organization":{"value":null,"Person":["SCOTT MCFARLAND","HEATHER LUCIANI","KENT FIGY","KATHERINE BERRY","MEGAN HENDRIX","MATTHEW NORDBERG","ALEX GRUMBINE","LYNNEISE M GADDIE","EDWARD FREED","TONY MANDARINO","BRIAN BROWN","MIMI ELWELL","RICHARD ATWELL","RON GRIESINGER","CARRIE MUESSIG","PAIGE EAGON","GREG VAUGHN","RANDY O'NEIL","STEPHEN SMITH"],"Title":["CHIEF EXECUTIVE OFFICER","CHIEF STRATEGY OFFICER","CHIEF LENDING OFFICER","CHIEF PEOPLE OFFICER","CHIEF OPERATIONS OFFICER","MORTGAGE LOAN OFFICER","DIRECTOR OF COMMERCIAL RELATIONSHIPS","VP OF REAL ESTATE","VP OF INNOVATION TECHNOLOGY","VP OF BUSINESS SERVICES","CHAIR","VICE CHAIR","SECRETARY","TREASURER","ASSOCIATE DIRECTOR","ASSOCIATE DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[799693,338775,300795,297491,337231,442766,219093,233049,224190,246420,0,0,0,0,0,0,0,0,0],"Direct compensation":[740398,311083,260154,267743,293915,398326,193365,198561,191219,209844,0,0,0,0,0,0,0,0,0],"Other compensation":[59295,27692,40641,29748,43316,44440,25728,34488,32971,36576,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide financial services to residents of the state of michigan.","year":2023,"name":"HONOR CREDIT UNION","phone":2699836357,"website":"WWW.HONORCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MCFARLAND","year_formation":1934,"state_legal_domicile":"MI","total_volunteers":9,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"8385 EDGEWOOD DRIVE, BERRIEN SPRINGS, MI, 49103, USA","city":"BERRIEN SPRINGS","state":"MI","country":"USA","zip_code":49103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":519,"Total Gross UBI":578641,"Net unrelated business taxable income":24188,"Number of employees":519,"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":113682685,"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":107479803,"Total revenue":{"value":107479803,"LOAN INTEREST INCOME":77863304,"FEES AND CHARGES":27726788,"MORTGAGE PRODUCTION FEES":1218296,"SALES OF MORTGAGES":671415},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":5625151,"Investment income total":5642852,"Net investment gain":-17701,"Income from invest bond proceeds":0},"Other revenues":{"value":577731,"Other total":446145,"Royalties revenue":0,"Net rental income":131586,"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":94196589,"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":36728913,"Current officers":1138468,"Disqualified persons":0,"Other salaries and wages":23929918,"Pension plan contributions":536685,"Other employee benefits":9063346,"Payroll taxes":2060496},"Other expenses":{"value":57467676,"Management services":0,"Legal":268805,"Accounting":188727,"Lobbying services":0,"Investment management fees":173699,"Other services":597555,"Advertising":3106613,"Office expenses":1723580,"Information technology":3052671,"Royalties":0,"Occupancy":2771944,"Travel":345456,"Conferences and meetings":655576,"Interest":6536359,"Payments to affiliates":0,"Depreciation and depletion":3152376,"Insurance":511221,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":29351165,"INTEREST PAID ON MEMBER":11640339,"PROVISION FOR LOAN LOSS":7895438,"CREDIT AND DEBIT CARD F":7236882,"LOAN SERVICING":2578506},"All other expenses":5031929},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1701973478,"Non-interest bearing cash":22655556,"Savings and temp cash investments":18874917,"Pledges and grants receivable":0,"Accounts receivable":199229,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1329813043,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2088291,"Land, building, equipment":54870189,"Investments publicly traded":1456060,"Investments other":226437206,"Investments program related":0,"Intangible assets":346075,"Other assets":45232912},"Liabilities":{"value":1537891407,"Sum of Total Liabilities":0,"Accounts payable, accrued":13790375,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":2865337,"Loans from officers, directors":0,"Secured mortgages and notes payable":170000000,"Unsecured notes loans payable":0,"Other liabilities":1351235695},"Fund balance":{"value":164082071,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.17140777419182174,"percentile":0.7253080953532929},"Liabilities to Assets Ratio":{"score":0.9035930505845403,"percentile":0.0640740913716564},"Operating Reserve Ratio":{"score":18.068313259198803,"percentile":0.9393388664578795},"Officer Compensation Ratio":{"score":0.036514092882917445,"percentile":0.8254662774529717},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.14043658846839707,"percentile":0.8357103921748136},"Asset Growth":{"score":0.12487252070515219,"percentile":0.7379132769825955},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6675722045824359,"percentile":0.783643972871678}},"source_xml":"202403119349304065_public.xml"},{"Organization":{"value":null,"Person":["MIMI ELWELL","LARRY OLSON","BRIAN BROWN","MARK FRY","RICHARD ATWELL","RANDY O'NEIL","RONALD GRIESINGER","SCOTT CLEVELAND","DAVID RHOUTSONG","GIL GUZMAN PART YEAR","SCOTT MCFARLAND","SHARI WEBER","AMANDA CRAIG","KENT FIGY","MARY UNRUH","RON LAUREN","DUSTIN JANKOVIAK"],"Title":["BOARD CHAIRMAN","BOARD VICE-CHAIRMAN","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CFO","COO","CLO","VP OF ACCT. & OPER. EFFIC.","PRESIDENT, NORTHERN MKT.","MORTGAGE LOAN OFFICER"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,563734,312520,221581,232247,221522,185579,172463],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,485323,243985,182532,186612,166014,154956,147373],"Other compensation":[0,0,0,0,0,0,0,0,0,0,78411,68535,39049,45635,55508,30623,25090]},"Basic":{"value":null,"mission":"To provide financial services to residents of the state of michigan.","year":2017,"name":"HONOR CREDIT UNION","phone":2699836357,"website":"WWW.HONORCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MCFARLAND","year_formation":1934,"state_legal_domicile":"MI","total_volunteers":9,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"8385 EDGEWOOD DRIVE, BERRIEN SPRINGS, MI, 49103, USA","city":"BERRIEN SPRINGS","state":"MI","country":"USA","zip_code":49103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":384,"Total Gross UBI":102006,"Net unrelated business taxable income":31946,"Number of employees":384,"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":49336526,"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":46993453,"Total revenue":{"value":46993453,"LOAN INTEREST INCOME":28897021,"FEES AND CHARGES":18096432},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2305561,"Investment income total":2310811,"Net investment gain":-5250,"Income from invest bond proceeds":0},"Other revenues":{"value":37512,"Other total":0,"Royalties revenue":0,"Net rental income":37512,"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":40922549,"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":19476125,"Current officers":876254,"Disqualified persons":0,"Other salaries and wages":12318668,"Pension plan contributions":176653,"Other employee benefits":4919459,"Payroll taxes":1185091},"Other expenses":{"value":21446424,"Management services":0,"Legal":436578,"Accounting":86110,"Lobbying services":0,"Investment management fees":73011,"Other services":249071,"Advertising":1438525,"Office expenses":1190658,"Information technology":1539216,"Royalties":0,"Occupancy":1519555,"Travel":224592,"Conferences and meetings":215714,"Interest":809756,"Payments to affiliates":0,"Depreciation and depletion":1780051,"Insurance":280501,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":8293897,"FEDERAL INCOME TAXES":43280,"PROVISION FOR LOAN LOSS":3025610,"CREDIT AND DEBIT CARD F":2718490,"INTEREST PAID ON MEMBER":2506517},"All other expenses":3309189},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":852520992,"Non-interest bearing cash":10642971,"Savings and temp cash investments":19920985,"Pledges and grants receivable":0,"Accounts receivable":282816,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":681232046,"Inventories for sale or use":0,"Prepaid expenses deferred charges":949846,"Land, building, equipment":34259379,"Investments publicly traded":0,"Investments other":83942542,"Investments program related":0,"Intangible assets":0,"Other assets":21290407},"Liabilities":{"value":757330790,"Sum of Total Liabilities":0,"Accounts payable, accrued":6243722,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":1216251,"Loans from officers, directors":0,"Secured mortgages and notes payable":45394000,"Unsecured notes loans payable":0,"Other liabilities":704476817},"Fund balance":{"value":95190202,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.17054255096923523,"percentile":0.7242662501459745},"Liabilities to Assets Ratio":{"score":0.8883426884578111,"percentile":0.06654937540251019},"Operating Reserve Ratio":{"score":20.832548627408325,"percentile":0.9485315946477336},"Officer Compensation Ratio":{"score":0.046664883949433356,"percentile":0.7732979999970697},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.16470678355318347,"percentile":0.8651514298888727},"Asset Growth":{"score":0.13234986859504214,"percentile":0.7520723601116622},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6686746384958366,"percentile":0.7860777864415586}},"source_xml":"201833189349306053_public.xml"},{"Organization":{"value":null,"Person":["LARRY OLSON","BRIAN BROWN","MIMI ELWELL","MARK FRY","RICHARD ATWELL","SCOTT CARTER","RONALD GRIESINGER","GIL GUZMAN","TIM HOYLE","DANA SLOCUM","RON WILLGING","SCOTT MCFARLAND","MARY JEAN UNRUH","MARILYN AREND","KATHY BURDICK","KENT FIGY","THOMAS KEMPF","WILLIAM KULICH"],"Title":["BOARD CHAIRMAN","BOARD VICE-CHAIRMAN","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR (PART YEAR)","CEO/PRESIDENT","VP OF FINANCE","VP OF RETAIL DELIVERY","VICE PRESIDENT","VICE PRESIDENT","VICE PRESIDENT","VICE PRESIDENT"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,302209,155506,131864,117162,123372,136619,132495],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,260021,132103,114599,100896,102197,123242,109597],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,42188,23403,17265,16266,21175,13377,22898]},"Basic":{"value":null,"mission":"To serve the people of allegan, barry, berrien, branch, calhoun, cass, kalamazoo, kent, muskegon, newaygo, oceana, ottawa, st. joseph and van buren counties by providing financial services.","year":2013,"name":"HONOR CREDIT UNION","phone":2699836357,"website":"WWW.HONORCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MCFARLAND","year_formation":1934,"state_legal_domicile":"MI","total_volunteers":10,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"2920 LAKEVIEW AVENUE, ST JOSEPH, MI, 49085, USA","city":"ST JOSEPH","state":"MI","country":"USA","zip_code":49085},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":221,"Total Gross UBI":257203,"Net unrelated business taxable income":-70621,"Number of employees":221,"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":25258836,"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":24001866,"Total revenue":{"value":24001866,"LOAN INTEREST INCOME":15408129,"FEES AND CHARGES":8593737},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1215241,"Investment income total":1351525,"Net investment gain":-136284,"Income from invest bond proceeds":0},"Other revenues":{"value":41729,"Other total":0,"Royalties revenue":0,"Net rental income":41729,"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":20157913,"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":9566724,"Current officers":457715,"Disqualified persons":0,"Other salaries and wages":6124579,"Pension plan contributions":682116,"Other employee benefits":1675509,"Payroll taxes":626805},"Other expenses":{"value":10591189,"Management services":0,"Legal":50838,"Accounting":77058,"Lobbying services":0,"Investment management fees":89256,"Other services":173691,"Advertising":744243,"Office expenses":845383,"Information technology":792403,"Royalties":0,"Occupancy":1171316,"Travel":118233,"Conferences and meetings":89677,"Interest":6370,"Payments to affiliates":0,"Depreciation and depletion":974589,"Insurance":82683,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4328784,"INTEREST PAID ON MEMBER":1624399,"CREDIT AND DEBIT CARD F":1197813,"PROVISION FOR LOAN LOSS":898403,"LOAN SERVICING EXPENSE":608169},"All other expenses":1046665},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":472518124,"Non-interest bearing cash":6710011,"Savings and temp cash investments":18530945,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":311354627,"Inventories for sale or use":0,"Prepaid expenses deferred charges":385408,"Land, building, equipment":13221762,"Investments publicly traded":0,"Investments other":112550366,"Investments program related":0,"Intangible assets":0,"Other assets":9765005},"Liabilities":{"value":422073504,"Sum of Total Liabilities":0,"Accounts payable, accrued":2100428,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":719271,"Loans from officers, directors":0,"Secured mortgages and notes payable":4000000,"Unsecured notes loans payable":0,"Other liabilities":415253805},"Fund balance":{"value":50444620,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.20194608334287456,"percentile":0.7582411647470723},"Liabilities to Assets Ratio":{"score":0.8932429944210987,"percentile":0.06577631003239746},"Operating Reserve Ratio":{"score":23.440825644996085,"percentile":0.955402698201529},"Officer Compensation Ratio":{"score":0.05453079393685249,"percentile":0.7349609068802816},"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":0.6441914370798295,"percentile":0.7271281019873878}},"source_xml":"201401349349304270_public.xml"},{"Organization":{"value":null,"Person":["LARRY OLSON","BRIAN BROWN","MIMI ELWELL","MARK FRY","RICHARD ATWELL","RONALD GRIESINGER","GIL GUZMAN","SCOTT CARTER","DANA SLOCUM","SCOTT MCFARLAND","SHARI WEBER","THOMAS KEMPF","MARY UNRUH","RON LAUREN","KIP KULICH","KATHY BURDICK"],"Title":["BOARD CHAIRMAN","BOARD VICE-CHAIRMAN","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR (PART YEAR)","DIRECTOR (PART YEAR)","CEO","CFO","VICE PRESIDENT OF LENDING","VICE PRESIDENT OF ACCOUNTING AND OPERATION EFFIC.","PRESIDENT, NORTHERN MARKET","VICE PRESIDENT OF IT","VICE PRESIDENT OF TALENT SERVICES"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,506720,202430,166706,172393,155483,150837,135339],"Direct compensation":[0,0,0,0,0,0,0,0,0,457313,170332,151037,149696,143431,125578,117557],"Other compensation":[0,0,0,0,0,0,0,0,0,49407,32098,15669,22697,12052,25259,17782]},"Basic":{"value":null,"mission":"To provide financial services to residents of the state of michigan.","year":2015,"name":"Honor Credit Union","phone":2699836357,"website":"WWW.HONORCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MCFARLAND","year_formation":1934,"state_legal_domicile":"MI","total_volunteers":0,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"8385 Edgewood Drive, Berrien Springs, MI, 49103, USA","city":"Berrien Springs","state":"MI","country":"USA","zip_code":49103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":308,"Total Gross UBI":211400,"Net unrelated business taxable income":-31740,"Number of employees":308,"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":36570015,"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":35635605,"Total revenue":{"value":35635605,"Loan Interest Income":22222943,"Fees and Charges":13412662},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":891183,"Investment income total":1722314,"Net investment gain":-831131,"Income from invest bond proceeds":0},"Other revenues":{"value":43227,"Other total":0,"Royalties revenue":0,"Net rental income":43227,"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":29868248,"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":14974211,"Current officers":709150,"Disqualified persons":0,"Other salaries and wages":9520067,"Pension plan contributions":911256,"Other employee benefits":2902492,"Payroll taxes":931246},"Other expenses":{"value":14894037,"Management services":0,"Legal":75270,"Accounting":74083,"Lobbying services":0,"Investment management fees":96371,"Other services":200723,"Advertising":1074471,"Office expenses":1032247,"Information technology":1037629,"Royalties":0,"Occupancy":1187158,"Travel":140516,"Conferences and meetings":246839,"Interest":590423,"Payments to affiliates":0,"Depreciation and depletion":1190346,"Insurance":133660,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":6856111,"INTEREST PAID ON MEMBER":2071320,"CREDIT AND DEBIT CARD F":2039701,"PROVISION FOR LOAN LOSS":1806457,"LOAN SERVICING EXPENSE":938633},"All other expenses":958190},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":664782324,"Non-interest bearing cash":8468435,"Savings and temp cash investments":26574700,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":491673220,"Inventories for sale or use":0,"Prepaid expenses deferred charges":653526,"Land, building, equipment":25266006,"Investments publicly traded":0,"Investments other":97965990,"Investments program related":0,"Intangible assets":0,"Other assets":14180447},"Liabilities":{"value":593767567,"Sum of Total Liabilities":0,"Accounts payable, accrued":3212921,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":844388,"Loans from officers, directors":0,"Secured mortgages and notes payable":39900000,"Unsecured notes loans payable":0,"Other liabilities":549810258},"Fund balance":{"value":71014757,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.18325852477774482,"percentile":0.7387632245761339},"Liabilities to Assets Ratio":{"score":0.8931759247557852,"percentile":0.06578921493921175},"Operating Reserve Ratio":{"score":22.25715830402908,"percentile":0.9524784373655462},"Officer Compensation Ratio":{"score":0.04988267139070226,"percentile":0.7573579507576627},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.18381102027915952,"percentile":0.8834780622148012},"Asset Growth":{"score":0.16609894979804132,"percentile":0.805862465434965},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.675790280580235,"percentile":0.8018363793333431}},"source_xml":"201632239349300638_public.xml"},{"Organization":{"value":null,"Person":["MIMI ELWELL","LARRY OLSON","BRIAN BROWN","MARK FRY","RICHARD ATWELL","RON GRIESINGER","RANDY O'NEIL","SCOTT MCFARLAND","SHARI WEBER","AMANDA CRAIG","KENT FIGY","KATHERINE BERRY","LYNNEISE GADDIE","MEGAN HENDRIX","CHAD JANKOVIAK","MATTHEW NORDBERG","ADAM CARPENTER","STACEY DONNER","NITA SNYDER"],"Title":["CHAIR","VICE CHAIR","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","CHIEF EXECUTIVE OFFICER","CHIEF FINANCIAL OFFICER","CHIEF EXPERIENCE OFFICER","CHIEF LENDING OFFICER","CHIEF PEOPLE OFFICER","VP OF REAL ESTATE LENDING","VP OF OPERATIONS","MORTGAGE LOAN OFFICER","MORTGAGE LOAN OFFICER","MORTGAGE LOAN OFFICER","MORTGAGE LOAN OFFICER","MORTGAGE LOAN OFFICER"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,923242,343594,298239,278494,223332,277531,205908,392391,586867,447604,358862,332762],"Direct compensation":[0,0,0,0,0,0,0,878487,305031,268342,242152,195268,251790,176483,380161,549358,407771,328753,299801],"Other compensation":[0,0,0,0,0,0,0,44755,38563,29897,36342,28064,25741,29425,12230,37509,39833,30109,32961]},"Basic":{"value":null,"mission":"To provide financial services to residents of the state of michigan.","year":2020,"name":"HONOR CREDIT UNION","phone":2699836357,"website":"WWW.HONORCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MCFARLAND","year_formation":1934,"state_legal_domicile":"MI","total_volunteers":0,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"8385 EDGEWOOD DRIVE, BERRIEN SPRINGS, MI, 49103, USA","city":"BERRIEN SPRINGS","state":"MI","country":"USA","zip_code":49103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":412,"Total Gross UBI":124514,"Net unrelated business taxable income":40973,"Number of employees":412,"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":75345313,"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":71376912,"Total revenue":{"value":71376912,"LOAN INTEREST INCOME":43162400,"FEES AND CHARGES":28214512},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3814948,"Investment income total":3268683,"Net investment gain":546265,"Income from invest bond proceeds":0},"Other revenues":{"value":153453,"Other total":14227,"Royalties revenue":0,"Net rental income":139226,"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":61331077,"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":26939206,"Current officers":1266837,"Disqualified persons":0,"Other salaries and wages":17000621,"Pension plan contributions":4874,"Other employee benefits":7118219,"Payroll taxes":1548655},"Other expenses":{"value":34391871,"Management services":0,"Legal":196125,"Accounting":296197,"Lobbying services":0,"Investment management fees":83365,"Other services":323488,"Advertising":2438840,"Office expenses":1442364,"Information technology":1877389,"Royalties":0,"Occupancy":1469294,"Travel":135272,"Conferences and meetings":156176,"Interest":804844,"Payments to affiliates":0,"Depreciation and depletion":2336898,"Insurance":329149,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":14517394,"FEDERAL INCOME TAXES":14041,"INTEREST PAID ON MEMBER":5239376,"PROVISION FOR LOAN LOSS":4790278,"CREDIT AND DEBIT CARD F":4473699},"All other expenses":7985076},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1214960101,"Non-interest bearing cash":13748279,"Savings and temp cash investments":76033980,"Pledges and grants receivable":0,"Accounts receivable":164384,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":839183125,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1142663,"Land, building, equipment":40869324,"Investments publicly traded":0,"Investments other":204561664,"Investments program related":0,"Intangible assets":0,"Other assets":39256682},"Liabilities":{"value":1079988759,"Sum of Total Liabilities":0,"Accounts payable, accrued":6883691,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":1488586,"Loans from officers, directors":0,"Secured mortgages and notes payable":20394000,"Unsecured notes loans payable":0,"Other liabilities":1051222482},"Fund balance":{"value":134971342,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.18600010328446046,"percentile":0.741761382800872},"Liabilities to Assets Ratio":{"score":0.888908827632357,"percentile":0.06646498140874059},"Operating Reserve Ratio":{"score":19.8098608475439,"percentile":0.9453541134366653},"Officer Compensation Ratio":{"score":0.07612496353194645,"percentile":0.639831955017394},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.15180395756543652,"percentile":0.8505620755177078},"Asset Growth":{"score":0.12082806936391807,"percentile":0.7298133607264945},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6605593579584084,"percentile":0.7670720422815612}},"source_xml":"202132739349300713_public.xml"},{"Organization":{"value":null,"Person":["LARRY OLSON","BRIAN BROWN","MIMI ELWELL","MARK FRY","RICHARD ATWELL","RONALD GRIESINGER","GIL GUZMAN","SCOTT MCFARLAND","SHARI WEBER","THOMAS KEMPF","MARY UNRUH","RON LAUREN","PATRICK SWEM","KENT FIGY"],"Title":["BOARD CHAIRMAN","BOARD VICE-CHAIRMAN","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CFO","VICE PRESIDENT OF LENDING","VICE PRESIDENT OF ACCOUNTING AND OPERATION EFFIC","PRESIDENT, NORTHERN MARKET","BUSINESS DEVELOPMENT OFFICER","VICE PRESIDENT OF MEMBER SERVICE"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,632633,354540,170147,185746,175226,166674,170262],"Direct compensation":[0,0,0,0,0,0,0,454835,239741,154401,162582,158843,141427,145750],"Other compensation":[0,0,0,0,0,0,0,177798,114799,15746,23164,16383,25247,24512]},"Basic":{"value":null,"mission":"To provide financial services to residents of the state of michigan.","year":2016,"name":"Honor Credit Union","phone":2699836357,"website":"WWW.HONORCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MCFARLAND","year_formation":1934,"state_legal_domicile":"MI","total_volunteers":7,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"8385 Edgewood Drive, Berrien Springs, MI, 49103, USA","city":"Berrien Springs","state":"MI","country":"USA","zip_code":49103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":333,"Total Gross UBI":192880,"Net unrelated business taxable income":-123575,"Number of employees":333,"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":43216020,"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":41605926,"Total revenue":{"value":41605926,"Loan Interest Income":25443211,"Fees and Charges":16162715},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1572557,"Investment income total":1574947,"Net investment gain":-2390,"Income from invest bond proceeds":0},"Other revenues":{"value":37537,"Other total":0,"Royalties revenue":0,"Net rental income":37537,"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":37658842,"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":17402548,"Current officers":987173,"Disqualified persons":0,"Other salaries and wages":11142378,"Pension plan contributions":1040543,"Other employee benefits":3133794,"Payroll taxes":1098660},"Other expenses":{"value":20256294,"Management services":0,"Legal":64051,"Accounting":74333,"Lobbying services":0,"Investment management fees":76369,"Other services":229629,"Advertising":1314636,"Office expenses":1249773,"Information technology":1344116,"Royalties":0,"Occupancy":1373502,"Travel":211700,"Conferences and meetings":174608,"Interest":781117,"Payments to affiliates":0,"Depreciation and depletion":1611509,"Insurance":322979,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":10175867,"PROVISION FOR LOAN LOSS":3627536,"CREDIT AND DEBIT CARD F":2677604,"INTEREST PAID ON MEMBER":2504439,"LOAN SERVICING EXPENSE":1366288},"All other expenses":1252105},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":712966023,"Non-interest bearing cash":7633549,"Savings and temp cash investments":23661908,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":557356723,"Inventories for sale or use":0,"Prepaid expenses deferred charges":880404,"Land, building, equipment":29980963,"Investments publicly traded":0,"Investments other":77969367,"Investments program related":0,"Intangible assets":0,"Other assets":15483109},"Liabilities":{"value":636670547,"Sum of Total Liabilities":0,"Accounts payable, accrued":3991778,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":909162,"Loans from officers, directors":0,"Secured mortgages and notes payable":45394000,"Unsecured notes loans payable":0,"Other liabilities":586375607},"Fund balance":{"value":76295476,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.12859069391396988,"percentile":0.6687739303916151},"Liabilities to Assets Ratio":{"score":0.8929886228252983,"percentile":0.06581768767011945},"Operating Reserve Ratio":{"score":18.932234374068113,"percentile":0.9424355111565502},"Officer Compensation Ratio":{"score":0.04926407455651451,"percentile":0.7604562923341931},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.17699009017918202,"percentile":0.877401660931545},"Asset Growth":{"score":0.12855065240883057,"percentile":0.7450526756694396},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6578267789381195,"percentile":0.7606115371562538}},"source_xml":"201713199349306971_public.xml"},{"Organization":{"value":null,"Person":["MIMI ELWELL","LARRY OLSON","BRIAN BROWN","MARK FRY","RICHARD ATWELL","SCOTT CLEVELAND","RONALD GRIESINGER","RANDY O'NEIL","DAVID RHOUTSONG","SCOTT MCFARLAND","SHARI WEBER","KENT FIGY","AMANDA CRAIG","ROB VILAND","DUSTIN JANKOVIAK","MARY UNRUH","RON LAUREN","MATTHEW NORDBERG","KATHY BURDICK"],"Title":["BOARD CHAIRMAN","BOARD VICE-CHAIRMAN","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CFO","CLO","COO","CRO - PART YEAR","MORTGAGE LOAN OFFICER","VP OF OPERATIONAL EFFICIENCIES","PRESIDENT OF HONOR HOLDINGS","MORTGAGE LOAN OFFICER","VP OF ORGANIZATIONAL DESIGN"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,629050,342152,275713,261353,341457,221821,225915,192419,189295,187183],"Direct compensation":[0,0,0,0,0,0,0,0,0,548482,273995,227783,220709,314966,184041,169007,163087,152087,150033],"Other compensation":[0,0,0,0,0,0,0,0,0,80568,68157,47930,40644,26491,37780,56908,29332,37208,37150]},"Basic":{"value":null,"mission":"To provide financial services to residents of the state of michigan.","year":2018,"name":"HONOR CREDIT UNION","phone":2699836357,"website":"WWW.HONORCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MCFARLAND","year_formation":1934,"state_legal_domicile":"MI","total_volunteers":9,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"8385 EDGEWOOD DRIVE, BERRIEN SPRINGS, MI, 49103, USA","city":"BERRIEN SPRINGS","state":"MI","country":"USA","zip_code":49103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":423,"Total Gross UBI":113625,"Net unrelated business taxable income":47525,"Number of employees":423,"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":60329871,"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":57486940,"Total revenue":{"value":57486940,"LOAN INTEREST INCOME":36299305,"FEES AND CHARGES":21187635},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2312966,"Investment income total":2383067,"Net investment gain":-70101,"Income from invest bond proceeds":0},"Other revenues":{"value":529965,"Other total":412027,"Royalties revenue":0,"Net rental income":117938,"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":49616444,"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":24318174,"Current officers":1508269,"Disqualified persons":0,"Other salaries and wages":15065557,"Pension plan contributions":19462,"Other employee benefits":6245421,"Payroll taxes":1479465},"Other expenses":{"value":25298270,"Management services":0,"Legal":71131,"Accounting":79403,"Lobbying services":0,"Investment management fees":62910,"Other services":282316,"Advertising":1905721,"Office expenses":1256033,"Information technology":1696613,"Royalties":0,"Occupancy":1585506,"Travel":284509,"Conferences and meetings":340140,"Interest":995239,"Payments to affiliates":0,"Depreciation and depletion":2082633,"Insurance":312541,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":9713116,"FEDERAL INCOME TAXES":20904,"INTEREST PAID ON MEMBER":3691962,"PROVISION FOR LOAN LOSS":3003367,"CREDIT AND DEBIT CARD F":2996883},"All other expenses":4630459},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":934030474,"Non-interest bearing cash":15269518,"Savings and temp cash investments":31096819,"Pledges and grants receivable":0,"Accounts receivable":112346,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":756937330,"Inventories for sale or use":0,"Prepaid expenses deferred charges":735836,"Land, building, equipment":34306028,"Investments publicly traded":0,"Investments other":73013664,"Investments program related":0,"Intangible assets":0,"Other assets":22558933},"Liabilities":{"value":828770549,"Sum of Total Liabilities":0,"Accounts payable, accrued":7501328,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":1351156,"Loans from officers, directors":0,"Secured mortgages and notes payable":52394000,"Unsecured notes loans payable":0,"Other liabilities":767524065},"Fund balance":{"value":105259925,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.17758080404315799,"percentile":0.7324597757464876},"Liabilities to Assets Ratio":{"score":0.8873056844181724,"percentile":0.06671570531256094},"Operating Reserve Ratio":{"score":18.82501845557493,"percentile":0.9420634611082402},"Officer Compensation Ratio":{"score":0.057770323080791525,"percentile":0.7196205996736583},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.16680906114068605,"percentile":0.8673598086818292},"Asset Growth":{"score":0.12612195182219596,"percentile":0.740356625090031},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6659508287393232,"percentile":0.7796130816379465}},"source_xml":"201943039349301324_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["BRIAN BROWN","MIMI ELWELL","RICHARD ATWELL","RON GRIESINGER","CARRIE MUESSIG","PAIGE EAGON","GREG VAUGHN","RANDY O'NEIL","STEPHEN SMITH","SCOTT MCFARLAND","HEATHER LUCIANI","KENT FIGY","KATHERINE BERRY","MEGAN HENDRIX","MATTHEW NORDBERG","MARSHALLL WILLIAMS","JENNIFER PATRICK","EDWARD FREED","TONY MANDARINO"],"Title":["CHAIR","VICE CHAIR","SECRETARY","TREASURER","ASSOCIATE DIRECTOR","ASSOCIATE DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CHIEF EXECUTIVE OFFICER","CHIEF STRATEGY OFFICER","CHIEF LENDING OFFICER","CHIEF PEOPLE OFFICER","CHIEF OPERATIONS OFFICER","MORTGAGE LOAN OFFICER","VP OF FINANCE","VP OF MEMBER EXPERIENCE","VP OF INNOVATION TECHNOLOGY","VP OF BUSINESS SERVICES"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,801759,377305,375147,323137,361631,289918,233027,265165,235883,258448],"Direct compensation":[0,0,0,0,0,0,0,0,0,741008,342559,331927,294086,315264,249275,211663,219562,199352,220159],"Other compensation":[0,0,0,0,0,0,0,0,0,60751,34746,43220,29051,46367,40643,21364,45603,36531,38289]},"Basic":{"value":null,"mission":"To provide financial services to residents of the state of michigan.","year":2024,"name":"HONOR CREDIT UNION","phone":2699836357,"website":"WWW.HONORCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MCFARLAND","year_formation":1934,"state_legal_domicile":"MI","total_volunteers":9,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"8385 EDGEWOOD DRIVE, BERRIEN SPRINGS, MI, 49103, USA","city":"BERRIEN SPRINGS","state":"MI","country":"USA","zip_code":49103},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":544,"Total Gross UBI":645076,"Net unrelated business taxable income":27635,"Number of employees":544,"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":127936925,"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":120834197,"Total revenue":{"value":120834197,"LOAN INTEREST INCOME":89038646,"FEES AND CHARGES":29250073,"SALES OF MORTGAGES":1469246,"MORTGAGE PRODUCTION FEES":1076232},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":6467800,"Investment income total":7003710,"Net investment gain":-535910,"Income from invest bond proceeds":0},"Other revenues":{"value":634928,"Other total":496912,"Royalties revenue":0,"Net rental income":138016,"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":111515012,"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":42007499,"Current officers":1179064,"Disqualified persons":0,"Other salaries and wages":27549441,"Pension plan contributions":920744,"Other employee benefits":10053947,"Payroll taxes":2304303},"Other expenses":{"value":69507513,"Management services":0,"Legal":492640,"Accounting":291932,"Lobbying services":0,"Investment management fees":128819,"Other services":709093,"Advertising":3752101,"Office expenses":1688318,"Information technology":3270725,"Royalties":0,"Occupancy":2994795,"Travel":440250,"Conferences and meetings":986062,"Interest":3538526,"Payments to affiliates":0,"Depreciation and depletion":3893565,"Insurance":474446,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":41896991,"INTEREST PAID ON MEMBER":22912233,"CREDIT AND DEBIT CARD F":8945253,"PROVISION FOR LOAN LOSS":7750462,"LOAN SERVICING":2289043},"All other expenses":4949250},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1705014823,"Non-interest bearing cash":34550443,"Savings and temp cash investments":31924373,"Pledges and grants receivable":0,"Accounts receivable":11998,"Receivables from officers":4867977,"Receivables from disqual persons":0,"Other net note and loans":1312903787,"Inventories for sale or use":0,"Prepaid expenses deferred charges":3397878,"Land, building, equipment":59616117,"Investments publicly traded":1350524,"Investments other":214681561,"Investments program related":0,"Intangible assets":346075,"Other assets":41364090},"Liabilities":{"value":1519352936,"Sum of Total Liabilities":0,"Accounts payable, accrued":10645895,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":2603750,"Loans from officers, directors":0,"Secured mortgages and notes payable":40000000,"Unsecured notes loans payable":0,"Other liabilities":1466103291},"Fund balance":{"value":185661887,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.12835944743864994,"percentile":0.6684325589670732},"Liabilities to Assets Ratio":{"score":0.8911083443407694,"percentile":0.06610978921166177},"Operating Reserve Ratio":{"score":15.289554226116211,"percentile":0.9275741225348147},"Officer Compensation Ratio":{"score":0.031577990593768666,"percentile":0.8515145195690258},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.13736259806974244,"percentile":0.8314616147202109},"Asset Growth":{"score":0.11543250238745972,"percentile":0.7185229336886818},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6562912170607521,"percentile":0.7569408183333156}},"source_xml":"202512659349300431_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}