{"success":true,"data":{"_id":381298238,"filings":[{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"Provide financial services to member owners with a common bond.","primary_activities":"Provide 6,975 members with Shares, Christmas Savings, Certificates of Deposit, Money Market, IRA, Savings Draft and Special Premium Deposit accounts totaling 10,688.\n\nProvide 1,576 loans including new and used vehicle, Line of Credit, Home Equity, Credit Card and Mortgages.\n\nOffer Money Orders, Courtesy Pay, ATM/Debit Cards, check cashing, wire transfers, bilingual services and various insurance programs to all eligible members.","year":2010,"name":"Credit Unions Chartered in the State of Michigan","phone":"3135549300","website":"www.craftsmancu.org","type":"990","principal_officer":"Margie L Wilkes","year_formation":1947,"state_legal_domicile":"MI","total_volunteers":8,"tax_period_begin":"2010-01-01T00:00:00","tax_period_end":"2010-12-31T00:00:00","address":"2444 Clark Street, Detroit, MI, 48209, USA","city":"Detroit","state":"MI","country":"USA","zip_code":"48209"},"Governance":{"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":20,"Total Gross UBI":25023,"Net unrelated business taxable income":3964,"Number of employees":20,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Family or business relationship":false,"Delegation of management duties":false,"Conflict of interest policy":true,"Whistle blower policy":true,"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":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":false,"Independent audit financial statements":false,"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":false,"Grant to related person":false,"Business relationship through family member":false,"Business relationship with organization":false},"Revenues":{"value":1847232,"Contributions":{"value":0},"Program revenue":{"value":1416653,"Total revenue":{"value":1416653,"VARIOUS":1416653},"Total other revenue":0,"Unrelated business revenue":25023},"Investment income":{"value":481178,"Investment income total":496939,"Net investment gain":-15761,"Income from invest bond proceeds":0},"Other revenues":{"value":-50599,"Other total":0,"Royalties revenue":0,"Net rental income":-50599}},"Expenses":{"value":4753637,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":836699,"Current officers":210051,"Other salaries and wages":401922,"Pension plan contributions":17012,"Other employee benefits":141587,"Payroll taxes":66127},"Other expenses":{"value":3916938,"Accounting":21132,"Investment management fees":8474,"Other services":232659,"Advertising":23616,"Office expenses":196529,"Information technology":126018,"Occupancy":159111,"Conferences and meetings":19488,"Interest":157931,"Depreciation and depletion":58480,"Insurance":89107,"Itemized Expenses":{"value":2813184,"VARIOUS":2813184},"All other expenses":11209}},"Assets":{"value":33286791,"Non-interest bearing cash":1615641,"Savings and temp cash investments":376143,"Accounts receivable":44205,"Other net note and loans":12304286,"Prepaid expenses deferred charges":60558,"Land, building, equipment":671133,"Investments other":13713669,"Investments program related":2791776,"Other assets":1709380},"Liabilities":{"value":27495305,"Accounts payable, accrued":253424,"Other liabilities":27241881},"Fund balance":{"value":5791486},"Form990Details":{"program_service_accomplishments":[{"description":"Provide 6,975 members with Shares, Christmas Savings, Certificates of Deposit, Money Market, IRA, Savings Draft and Special Premium Deposit accounts totaling 10,688.","expense":0,"grants":0,"revenue":0},{"description":"Provide 1,576 loans including new and used vehicle, Line of Credit, Home Equity, Credit Card and Mortgages.","expense":0,"grants":0,"revenue":0},{"description":"Offer Money Orders, Courtesy Pay, ATM/Debit Cards, check cashing, wire transfers, bilingual services and various insurance programs to all eligible members.","expense":0,"grants":0,"revenue":0}],"program_service_revenue_detail":[{"business_code":"522100","description":"Loan Interest","total_revenue":902297,"related_or_exempt_function_income":902297,"unrelated_business_revenue":0,"exclusion_amount":0},{"business_code":"524298","description":"Other Income","total_revenue":402642,"related_or_exempt_function_income":379418,"unrelated_business_revenue":23224,"exclusion_amount":0},{"business_code":"522100","description":"Fee income","total_revenue":111714,"related_or_exempt_function_income":109915,"unrelated_business_revenue":1799,"exclusion_amount":0}],"functional_expense_allocations":{"current_officers_directors":{"total":210051},"other_salaries_and_wages":{"total":401922},"pension_plan_contributions":{"total":17012},"other_employee_benefits":{"total":141587},"payroll_taxes":{"total":66127},"accounting_fees":{"total":21132},"investment_management_fees":{"total":8474},"other_service_fees":{"total":232659},"advertising":{"total":23616},"office_expenses":{"total":196529},"information_technology":{"total":126018},"occupancy":{"total":159111},"conferences_meetings":{"total":19488},"interest":{"total":157931},"depreciation_depletion":{"total":58480},"insurance":{"total":89107},"all_other_expenses":{"total":11209}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"backup_withholding_compliance":true,"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},"principal_officer_detail":{"person_name":"Margie L Wilkes","address_line1":"2444 Clark Street","city":"Detroit","state":"MI","zip":"48209"},"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,"annual_disclosure_covered_persons":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":"3135549300","business_name_line1":"Craftsman Credit Union","address_line1":"2444 Clark Street","city":"Detroit","state":"MI","zip":"48209"},"officers_directors_key_employees":[{"title":"Director","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":"Chairman","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":"Director","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":"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":"CEO","average_hours_per_week":40.0,"reportable_comp_from_org":114747,"reportable_comp_from_related_orgs":0,"other_compensation":38285,"officer":true},{"title":"Accounting Manager thru 5-14-10","average_hours_per_week":40.0,"reportable_comp_from_org":18763,"reportable_comp_from_related_orgs":0,"other_compensation":13102,"officer":true},{"title":"Comptroller from Aug 2010","average_hours_per_week":40.0,"reportable_comp_from_org":23077,"reportable_comp_from_related_orgs":0,"other_compensation":2077,"officer":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"land_buildings_equipment":{"land":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":201000,"book_value":201000},"buildings":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":1143429,"book_value":354992,"depreciation":788437},"leasehold_improvements":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":0,"book_value":0,"depreciation":0},"equipment":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":1129988,"book_value":45451,"depreciation":1084537},"other_land_buildings":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":69690,"book_value":69690,"depreciation":0},"total_book_value":671133},"securities":{"other_securities":[{"description":"Government Investments","book_value":470669,"method_of_valuation":"F"},{"description":"Other Investments","book_value":2960000,"method_of_valuation":"C"},{"description":"Bank Certificates","book_value":10283000,"method_of_valuation":"F"}],"total_book_value":13713669},"program_related_investments":{"investments":[{"description":"Central Corporate Credit Union","book_value":2047826,"method_of_valuation":"C"},{"description":"CU Certificates","book_value":743950,"method_of_valuation":"C"}],"total_book_value":2791776},"other_assets":{"assets":[{"description":"NCUSIF","book_value":289744},{"description":"Other Real Estate Owned","book_value":552947},{"description":"Accrued Income","book_value":88268},{"description":"Other Assets","book_value":778421}],"total_book_value":1709380},"other_liabilities":{"liabilities":[{"description":"Member Shares","amount":27241881}],"total_liability":27241881}},"ScheduleJ":{"compensation_process":{"board_or_committee_approval":true},"compensation_arrangements":{"severance_payment":false,"supplemental_nonqualified_retirement_plan":true,"equity_based_compensation_arrangement":false},"compensation":[{"person_name":"Margie L Wilkes","base_compensation_filing_org":104977,"bonus_filing_org":0,"bonus_related_orgs":0,"compensation_based_on_related_orgs":0,"comp_report_prior_990_filing_org":0,"comp_report_prior_990_related_orgs":0,"deferred_compensation_filing_org":15149,"deferred_compensation_related_orgs":0,"nontaxable_benefits_filing_org":23136,"nontaxable_benefits_related_orgs":0,"other_compensation_filing_org":9770,"other_compensation_related_orgs":0,"total_compensation_filing_org":153032,"total_compensation_related_orgs":0,"name":"Margie L Wilkes"}],"supplemental_information":[{"identifier":"SchJ_P01_S00_L04","form_and_line_reference":"Schedule J, Part I, Line 4","explanation":"Margie Wilkes has a 457(f) plan with a contract value at Feb 24, 2011 of $531,054.72."}]},"source_xml":"201142999349300139_public.xml"},{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"Provide financial services to member owners with a common bond.","primary_activities":"Provide 7,123 members with Shares, Christmas Savings, Certificates of Deposit, Money Market, IRA, Savings Draft and Special Premium Deposit accounts.\n\nProvide 1,290 loans including New and Used Vehicle, Line of Credit, Home Equity, Credit Card and Mortgages.\n\nOffer Money Orders, Courtesy Pay, ATM/Debit Cards, Check Cashing, Wire Transfers, Bilingual Services and various insurance programs to all eligible members.","year":2012,"name":"Credit Unions Chartered in the State of Michigan","phone":"3135549300","website":"www.craftsmancu.org","type":"990","principal_officer":"Margie Wilkes","year_formation":1947,"state_legal_domicile":"MI","total_volunteers":8,"tax_period_begin":"2012-01-01T00:00:00","tax_period_end":"2012-12-31T00:00:00","address":"2444 Clark Street, Detroit, MI, 48209, USA","city":"Detroit","state":"MI","country":"USA","zip_code":"48209"},"Governance":{"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":22,"Total Gross UBI":25958,"Net unrelated business taxable income":1868,"Number of employees":22,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Family or business relationship":false,"Delegation of management duties":false,"Conflict of interest policy":true,"Whistle blower policy":true,"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":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":false,"Document retention policy":true,"Investment in joint venture":false,"Independent audit financial statements":false,"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,"Audited financial statements separate":true,"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":false,"Grant to related person":false,"Business relationship through family member":false,"Business relationship with organization":false},"Revenues":{"value":1472761,"Contributions":{"value":0},"Program revenue":{"value":1249056,"Total revenue":{"value":1249056,"VARIOUS":1249056},"Total other revenue":0,"Unrelated business revenue":25958},"Investment income":{"value":327526,"Investment income total":217695,"Net investment gain":109831,"Income from invest bond proceeds":0},"Other revenues":{"value":-103821,"Other total":0,"Royalties revenue":0,"Net rental income":-103821}},"Expenses":{"value":2252211,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":586773,"Current officers":184089,"Other salaries and wages":263484,"Pension plan contributions":29245,"Other employee benefits":59680,"Payroll taxes":50275},"Other expenses":{"value":1665438,"Accounting":22582,"Other services":273399,"Advertising":2660,"Office expenses":148128,"Information technology":129302,"Occupancy":127236,"Conferences and meetings":12097,"Interest":41210,"Depreciation and depletion":116176,"Itemized Expenses":{"value":779699,"VARIOUS":779699},"All other expenses":12949}},"Assets":{"value":26204960,"Non-interest bearing cash":963773,"Savings and temp cash investments":8048,"Accounts receivable":44268,"Other net note and loans":7791445,"Prepaid expenses deferred charges":67895,"Land, building, equipment":524349,"Investments other":9503613,"Investments program related":5356075,"Other assets":1945494},"Liabilities":{"value":23733734,"Accounts payable, accrued":392549,"Other liabilities":23341185},"Fund balance":{"value":2471226},"Form990Details":{"program_service_accomplishments":[{"description":"Provide 7,123 members with Shares, Christmas Savings, Certificates of Deposit, Money Market, IRA, Savings Draft and Special Premium Deposit accounts.","expense":0,"grants":0,"revenue":0},{"description":"Provide 1,290 loans including New and Used Vehicle, Line of Credit, Home Equity, Credit Card and Mortgages.","expense":0,"grants":0,"revenue":0},{"description":"Offer Money Orders, Courtesy Pay, ATM/Debit Cards, Check Cashing, Wire Transfers, Bilingual Services and various insurance programs to all eligible members.","expense":0,"grants":0,"revenue":0}],"program_service_revenue_detail":[{"business_code":"522130","description":"Loan Interest","total_revenue":688928,"related_or_exempt_function_income":688928,"unrelated_business_revenue":0,"exclusion_amount":0},{"business_code":"524298","description":"Other Income","total_revenue":560128,"related_or_exempt_function_income":534170,"unrelated_business_revenue":25958,"exclusion_amount":0}],"functional_expense_allocations":{"current_officers_directors":{"total":184089},"other_salaries_and_wages":{"total":263484},"pension_plan_contributions":{"total":29245},"other_employee_benefits":{"total":59680},"payroll_taxes":{"total":50275},"accounting_fees":{"total":22582},"other_service_fees":{"total":273399},"advertising":{"total":2660},"office_expenses":{"total":148128},"information_technology":{"total":129302},"occupancy":{"total":127236},"conferences_meetings":{"total":12097},"interest":{"total":41210},"depreciation_depletion":{"total":116176},"all_other_expenses":{"total":12949}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"backup_withholding_compliance":true,"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},"principal_officer_detail":{"person_name":"Margie Wilkes","address_line1":"2444 Clark Street","city":"Detroit","state":"MI","zip":"48209"},"audit_financial_statement_detail":{"accountant_compile_or_review":false,"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,"annual_disclosure_covered_persons":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":"3135549300","business_name_line1":"Craftsman Credit Union","address_line1":"2444 Clark Street","city":"Detroit","state":"MI","zip":"48209"},"officers_directors_key_employees":[{"title":"Director","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":"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":"Director","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":"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":"CEO","average_hours_per_week":40.0,"reportable_comp_from_org":115073,"reportable_comp_from_related_orgs":0,"other_compensation":17278,"officer":true},{"title":"Comptroller","average_hours_per_week":40.0,"reportable_comp_from_org":50050,"reportable_comp_from_related_orgs":0,"other_compensation":1688,"officer":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"land_buildings_equipment":{"land":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":201000,"book_value":201000},"buildings":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":1153360,"book_value":306137,"depreciation":847223},"leasehold_improvements":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":0,"book_value":0,"depreciation":0},"equipment":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":1140652,"book_value":17212,"depreciation":1123440},"other_land_buildings":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":0,"book_value":0,"depreciation":0},"total_book_value":524349},"securities":{"other_securities":[{"description":"Government Investments","book_value":279413,"method_of_valuation":"F"},{"description":"Bank Certificates","book_value":9224000,"method_of_valuation":"F"},{"description":"Service Center Stock","book_value":200,"method_of_valuation":"C"}],"total_book_value":9503613},"program_related_investments":{"investments":[{"description":"Central Corporate Credit Union","book_value":4660125,"method_of_valuation":"C"},{"description":"Central Corporate Credit Union - CDs","book_value":695950,"method_of_valuation":"C"}],"total_book_value":5356075},"other_assets":{"assets":[{"description":"NCUSIF","book_value":253017},{"description":"Other Real Estate Owned","book_value":462434},{"description":"Accrued Income","book_value":51215},{"description":"Other Assets","book_value":177787},{"description":"Land Contracts","book_value":375136},{"description":"CUNA Mutual 457(f)","book_value":625905}],"total_book_value":1945494},"other_liabilities":{"liabilities":[{"description":"Member Shares","amount":23341185}],"total_liability":23341185}},"source_xml":"201343199349305439_public.xml"},{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"Provide financial services to member owners with a common bond.","primary_activities":"Provide 7,264 members with Shares, Christmas Savings, Certificates of Deposit, Money Market, IRA, Savings Draft and Special Premium Deposit accounts totaling 10,371\n\nProvide 1,672 loans including new and used vehicle, Line of Credit, Home Equity, Credit Card and Mortgages.\n\nOffer Money Orders, Courtesy Pay, ATM/Debit Cards, check cashing, wire transfers, bilingual services and various insurance programs to all eligible members.","year":2011,"name":"Credit Unions Chartered in the State of Michigan","phone":"3135549300","website":"www.craftsmancu.org","type":"990","principal_officer":"Margie L Wilkes","year_formation":1947,"state_legal_domicile":"MI","total_volunteers":8,"tax_period_begin":"2011-01-01T00:00:00","tax_period_end":"2011-12-31T00:00:00","address":"2444 Clark Street, Detroit, MI, 48209, USA","city":"Detroit","state":"MI","country":"USA","zip_code":"48209"},"Governance":{"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":19,"Total Gross UBI":27700,"Net unrelated business taxable income":1694,"Number of employees":19,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Family or business relationship":false,"Delegation of management duties":false,"Conflict of interest policy":true,"Whistle blower policy":true,"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":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":false,"Independent audit financial statements":false,"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":false,"Grant to related person":false,"Business relationship through family member":false,"Business relationship with organization":false},"Revenues":{"value":1600886,"Contributions":{"value":0},"Program revenue":{"value":1299106,"Total revenue":{"value":1299106,"VARIOUS":1299106},"Total other revenue":0,"Unrelated business revenue":27700},"Investment income":{"value":347766,"Investment income total":364330,"Net investment gain":-16564,"Income from invest bond proceeds":0},"Other revenues":{"value":-45986,"Other total":0,"Royalties revenue":0,"Net rental income":-45986}},"Expenses":{"value":4127472,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":793617,"Current officers":215915,"Other salaries and wages":352855,"Pension plan contributions":31917,"Other employee benefits":136481,"Payroll taxes":56449},"Other expenses":{"value":3333855,"Accounting":23266,"Investment management fees":3561,"Other services":239104,"Advertising":6876,"Office expenses":180841,"Information technology":129771,"Occupancy":138300,"Conferences and meetings":26033,"Interest":82501,"Depreciation and depletion":53070,"Insurance":116137,"Itemized Expenses":{"value":2323940,"VARIOUS":2323940},"All other expenses":10455}},"Assets":{"value":29095107,"Non-interest bearing cash":1433079,"Savings and temp cash investments":869702,"Accounts receivable":63312,"Other net note and loans":9586953,"Prepaid expenses deferred charges":85245,"Land, building, equipment":559701,"Investments other":12268176,"Investments program related":2420529,"Other assets":1808410},"Liabilities":{"value":25839684,"Accounts payable, accrued":240953,"Other liabilities":25598731},"Fund balance":{"value":3255423},"Form990Details":{"program_service_accomplishments":[{"description":"Provide 7,264 members with Shares, Christmas Savings, Certificates of Deposit, Money Market, IRA, Savings Draft and Special Premium Deposit accounts totaling 10,371","expense":0,"grants":0,"revenue":0},{"description":"Provide 1,672 loans including new and used vehicle, Line of Credit, Home Equity, Credit Card and Mortgages.","expense":0,"grants":0,"revenue":0},{"description":"Offer Money Orders, Courtesy Pay, ATM/Debit Cards, check cashing, wire transfers, bilingual services and various insurance programs to all eligible members.","expense":0,"grants":0,"revenue":0}],"program_service_revenue_detail":[{"business_code":"522100","description":"Loan Interest","total_revenue":802825,"related_or_exempt_function_income":802825,"unrelated_business_revenue":0,"exclusion_amount":0},{"business_code":"524298","description":"Other Income","total_revenue":396111,"related_or_exempt_function_income":372270,"unrelated_business_revenue":23841,"exclusion_amount":0},{"business_code":"522100","description":"Fee Income","total_revenue":100170,"related_or_exempt_function_income":96311,"unrelated_business_revenue":3859,"exclusion_amount":0}],"functional_expense_allocations":{"current_officers_directors":{"total":215915},"other_salaries_and_wages":{"total":352855},"pension_plan_contributions":{"total":31917},"other_employee_benefits":{"total":136481},"payroll_taxes":{"total":56449},"accounting_fees":{"total":23266},"investment_management_fees":{"total":3561},"other_service_fees":{"total":239104},"advertising":{"total":6876},"office_expenses":{"total":180841},"information_technology":{"total":129771},"occupancy":{"total":138300},"conferences_meetings":{"total":26033},"interest":{"total":82501},"depreciation_depletion":{"total":53070},"insurance":{"total":116137},"all_other_expenses":{"total":10455}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"backup_withholding_compliance":true,"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},"principal_officer_detail":{"person_name":"Margie L Wilkes","address_line1":"2444 Clark Street","city":"Detroit","state":"MI","zip":"48209"},"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,"annual_disclosure_covered_persons":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":"3135549300","business_name_line1":"Craftsman Credit Union","address_line1":"2444 Clark Street","city":"Detroit","state":"MI","zip":"48209"},"officers_directors_key_employees":[{"title":"Director","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":"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":"Director","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":"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":"CEO","average_hours_per_week":40.0,"reportable_comp_from_org":132362,"reportable_comp_from_related_orgs":0,"other_compensation":31722,"officer":true},{"title":"Comptroller","average_hours_per_week":40.0,"reportable_comp_from_org":50000,"reportable_comp_from_related_orgs":0,"other_compensation":1038,"officer":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"land_buildings_equipment":{"land":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":201000,"book_value":201000},"buildings":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":1153360,"book_value":334877,"depreciation":818483},"leasehold_improvements":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":0,"book_value":0,"depreciation":0},"equipment":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":1131386,"book_value":23824,"depreciation":1107562},"other_land_buildings":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":0,"book_value":0,"depreciation":0},"total_book_value":559701},"securities":{"other_securities":[{"description":"Government Investments","book_value":325976,"method_of_valuation":"F"},{"description":"Bank Certificates","book_value":11942000,"method_of_valuation":"F"},{"description":"Service Center Stock","book_value":200,"method_of_valuation":"C"}],"total_book_value":12268176},"program_related_investments":{"investments":[{"description":"Central Corporate Credit Union","book_value":1775579,"method_of_valuation":"C"},{"description":"CU Certificates","book_value":644950,"method_of_valuation":"C"}],"total_book_value":2420529},"other_assets":{"assets":[{"description":"NCUSIF","book_value":270412},{"description":"Other Real Estate Owned","book_value":514224},{"description":"Accrued Income","book_value":74102},{"description":"Other Assets","book_value":151830},{"description":"Land Contracts","book_value":189484},{"description":"CUNA Mutual 457(f)","book_value":608358}],"total_book_value":1808410},"other_liabilities":{"liabilities":[{"description":"Member Shares","amount":25598731}],"total_liability":25598731}},"ScheduleJ":{"compensation_process":{"board_or_committee_approval":true},"compensation_arrangements":{"severance_payment":false,"supplemental_nonqualified_retirement_plan":true,"equity_based_compensation_arrangement":false},"compensation":[{"person_name":"Margie L Wilkes","base_compensation_filing_org":129246,"bonus_filing_org":0,"bonus_related_orgs":0,"compensation_based_on_related_orgs":0,"comp_report_prior_990_filing_org":0,"comp_report_prior_990_related_orgs":0,"deferred_compensation_filing_org":3072,"deferred_compensation_related_orgs":0,"nontaxable_benefits_filing_org":28650,"nontaxable_benefits_related_orgs":0,"other_compensation_filing_org":3116,"other_compensation_related_orgs":0,"total_compensation_filing_org":164084,"total_compensation_related_orgs":0,"name":"Margie L Wilkes"}],"supplemental_information":[{"identifier":"SchJ_P01_S00_L04","form_and_line_reference":"Schedule J, Part I, Line 4","explanation":"Margie Wilkes has a 457(f) plan with a contract value at December 31, 2011 of $608,357.70."}]},"source_xml":"201223149349301442_public.xml"}],"Latest":{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"Provide financial services to member owners with a common bond.","primary_activities":"Provide 7,123 members with Shares, Christmas Savings, Certificates of Deposit, Money Market, IRA, Savings Draft and Special Premium Deposit accounts.\n\nProvide 1,290 loans including New and Used Vehicle, Line of Credit, Home Equity, Credit Card and Mortgages.\n\nOffer Money Orders, Courtesy Pay, ATM/Debit Cards, Check Cashing, Wire Transfers, Bilingual Services and various insurance programs to all eligible members.","year":2012,"name":"Credit Unions Chartered in the State of Michigan","phone":"3135549300","website":"www.craftsmancu.org","type":"990","principal_officer":"Margie Wilkes","year_formation":1947,"state_legal_domicile":"MI","total_volunteers":8,"tax_period_begin":"2012-01-01T00:00:00","tax_period_end":"2012-12-31T00:00:00","address":"2444 Clark Street, Detroit, MI, 48209, USA","city":"Detroit","state":"MI","country":"USA","zip_code":"48209"},"Governance":{"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":22,"Total Gross UBI":25958,"Net unrelated business taxable income":1868,"Number of employees":22,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Family or business relationship":false,"Delegation of management duties":false,"Conflict of interest policy":true,"Whistle blower policy":true,"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":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":false,"Document retention policy":true,"Investment in joint venture":false,"Independent audit financial statements":false,"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,"Audited financial statements separate":true,"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":false,"Grant to related person":false,"Business relationship through family member":false,"Business relationship with organization":false},"Revenues":{"value":1472761,"Contributions":{"value":0},"Program revenue":{"value":1249056,"Total revenue":{"value":1249056,"VARIOUS":1249056},"Total other revenue":0,"Unrelated business revenue":25958},"Investment income":{"value":327526,"Investment income total":217695,"Net investment gain":109831,"Income from invest bond proceeds":0},"Other revenues":{"value":-103821,"Other total":0,"Royalties revenue":0,"Net rental income":-103821}},"Expenses":{"value":2252211,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":586773,"Current officers":184089,"Other salaries and wages":263484,"Pension plan contributions":29245,"Other employee benefits":59680,"Payroll taxes":50275},"Other expenses":{"value":1665438,"Accounting":22582,"Other services":273399,"Advertising":2660,"Office expenses":148128,"Information technology":129302,"Occupancy":127236,"Conferences and meetings":12097,"Interest":41210,"Depreciation and depletion":116176,"Itemized Expenses":{"value":779699,"VARIOUS":779699},"All other expenses":12949}},"Assets":{"value":26204960,"Non-interest bearing cash":963773,"Savings and temp cash investments":8048,"Accounts receivable":44268,"Other net note and loans":7791445,"Prepaid expenses deferred charges":67895,"Land, building, equipment":524349,"Investments other":9503613,"Investments program related":5356075,"Other assets":1945494},"Liabilities":{"value":23733734,"Accounts payable, accrued":392549,"Other liabilities":23341185},"Fund balance":{"value":2471226},"Form990Details":{"program_service_accomplishments":[{"description":"Provide 7,123 members with Shares, Christmas Savings, Certificates of Deposit, Money Market, IRA, Savings Draft and Special Premium Deposit accounts.","expense":0,"grants":0,"revenue":0},{"description":"Provide 1,290 loans including New and Used Vehicle, Line of Credit, Home Equity, Credit Card and Mortgages.","expense":0,"grants":0,"revenue":0},{"description":"Offer Money Orders, Courtesy Pay, ATM/Debit Cards, Check Cashing, Wire Transfers, Bilingual Services and various insurance programs to all eligible members.","expense":0,"grants":0,"revenue":0}],"program_service_revenue_detail":[{"business_code":"522130","description":"Loan Interest","total_revenue":688928,"related_or_exempt_function_income":688928,"unrelated_business_revenue":0,"exclusion_amount":0},{"business_code":"524298","description":"Other Income","total_revenue":560128,"related_or_exempt_function_income":534170,"unrelated_business_revenue":25958,"exclusion_amount":0}],"functional_expense_allocations":{"current_officers_directors":{"total":184089},"other_salaries_and_wages":{"total":263484},"pension_plan_contributions":{"total":29245},"other_employee_benefits":{"total":59680},"payroll_taxes":{"total":50275},"accounting_fees":{"total":22582},"other_service_fees":{"total":273399},"advertising":{"total":2660},"office_expenses":{"total":148128},"information_technology":{"total":129302},"occupancy":{"total":127236},"conferences_meetings":{"total":12097},"interest":{"total":41210},"depreciation_depletion":{"total":116176},"all_other_expenses":{"total":12949}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"backup_withholding_compliance":true,"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},"principal_officer_detail":{"person_name":"Margie Wilkes","address_line1":"2444 Clark Street","city":"Detroit","state":"MI","zip":"48209"},"audit_financial_statement_detail":{"accountant_compile_or_review":false,"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,"annual_disclosure_covered_persons":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":"3135549300","business_name_line1":"Craftsman Credit Union","address_line1":"2444 Clark Street","city":"Detroit","state":"MI","zip":"48209"},"officers_directors_key_employees":[{"title":"Director","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":"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":"Director","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":"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":"CEO","average_hours_per_week":40.0,"reportable_comp_from_org":115073,"reportable_comp_from_related_orgs":0,"other_compensation":17278,"officer":true},{"title":"Comptroller","average_hours_per_week":40.0,"reportable_comp_from_org":50050,"reportable_comp_from_related_orgs":0,"other_compensation":1688,"officer":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"land_buildings_equipment":{"land":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":201000,"book_value":201000},"buildings":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":1153360,"book_value":306137,"depreciation":847223},"leasehold_improvements":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":0,"book_value":0,"depreciation":0},"equipment":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":1140652,"book_value":17212,"depreciation":1123440},"other_land_buildings":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":0,"book_value":0,"depreciation":0},"total_book_value":524349},"securities":{"other_securities":[{"description":"Government Investments","book_value":279413,"method_of_valuation":"F"},{"description":"Bank Certificates","book_value":9224000,"method_of_valuation":"F"},{"description":"Service Center Stock","book_value":200,"method_of_valuation":"C"}],"total_book_value":9503613},"program_related_investments":{"investments":[{"description":"Central Corporate Credit Union","book_value":4660125,"method_of_valuation":"C"},{"description":"Central Corporate Credit Union - CDs","book_value":695950,"method_of_valuation":"C"}],"total_book_value":5356075},"other_assets":{"assets":[{"description":"NCUSIF","book_value":253017},{"description":"Other Real Estate Owned","book_value":462434},{"description":"Accrued Income","book_value":51215},{"description":"Other Assets","book_value":177787},{"description":"Land Contracts","book_value":375136},{"description":"CUNA Mutual 457(f)","book_value":625905}],"total_book_value":1945494},"other_liabilities":{"liabilities":[{"description":"Member Shares","amount":23341185}],"total_liability":23341185}},"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":-0.5292440524973163,"percentile":0.10969407028450547},"Operating Reserve Ratio":{"score":11.635215350604362,"percentile":0.9082442832622778},"Liabilities to Assets Ratio":{"score":0.9056962498702535,"percentile":0.07539765592298033},"Officer Compensation Ratio":{"score":0.08173701309513184,"percentile":0.6042756848358443},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.11414759436271446,"percentile":0.14535808933464237},"Asset Growth":{"score":-0.11991334538583588,"percentile":0.11288654038148284},"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":0.8888888888888888,"weight":5,"atoms":{"Conflict of interest policy":{"value":true},"Whistle blower policy":{"value":true},"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":0.9537037037037037,"weight":14},"Sustainability":{"score":0.39871298000618133,"weight":13},"Growth":{"score":0.13453423968358919,"weight":8}},"Overall Score":{"score":0.7202071728981985,"percentile":0.4014323273992369}},"source_xml":"201343199349305439_public.xml"},"sector":"Public, Societal Benefit","donation_categories":[],"zakat_policy":null},"error":null}