{"success":true,"data":{"_id":381427540,"filings":[{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"To provide financial services to member owners with a commond bond.","primary_activities":"Provide 4066 members with Regular Shares, Checking, IRA, Certificates of Deposit, Insurance Shares, and Club accounts.\n\nProvide 3,186 loans including Vehicle, First Mortgage, Second Mortgage, Mobile Home, Overdraft Protection, Home Equity, Signature, and Credit Card Loans.\n\nOffer Money Orders, Safe Deposit Boxes, Courtesy Pay, and various insurance programs.","year":2010,"name":"CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN","phone":"9897995580","website":"www.choicecu.org","type":"990","principal_officer":"Melinda VanDeventer","year_formation":1951,"state_legal_domicile":"MI","total_volunteers":5,"tax_period_begin":"2010-01-01T00:00:00","tax_period_end":"2010-12-31T00:00:00","address":"2510 Weiss Street, Saginaw, MI, 486023898, USA","city":"Saginaw","state":"MI","country":"USA","zip_code":"486023898"},"Governance":{"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":17,"Total Gross UBI":9287,"Net unrelated business taxable income":5941,"Number of employees":17,"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":false,"Compensation process for CEO":true,"Compensation process for other employees":false,"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":false,"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":1640017,"Contributions":{"value":0},"Program revenue":{"value":1368322,"Total revenue":{"value":1368322,"VARIOUS":1368322},"Total other revenue":0,"Unrelated business revenue":9287},"Investment income":{"value":271695,"Investment income total":415361,"Net investment gain":-143666,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0}},"Expenses":{"value":1966443,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":541322,"Other salaries and wages":376881,"Pension plan contributions":75885,"Other employee benefits":58317,"Payroll taxes":30239},"Other expenses":{"value":1425121,"Management services":2261,"Accounting":1301,"Other services":327774,"Advertising":19951,"Office expenses":147111,"Occupancy":47674,"Interest":379988,"Payments to affiliates":0,"Depreciation and depletion":43067,"Insurance":99084,"Itemized Expenses":{"value":330135,"VARIOUS":330135},"All other expenses":26775}},"Assets":{"value":34083130,"Non-interest bearing cash":379529,"Other net note and loans":16897736,"Prepaid expenses deferred charges":347583,"Land, building, equipment":1516668,"Investments other":12911100,"Investments program related":1466747,"Other assets":563767},"Liabilities":{"value":30386674,"Accounts payable, accrued":612812,"Other liabilities":29773862},"Fund balance":{"value":3696456},"Form990Details":{"program_service_accomplishments":[{"description":"Provide 4066 members with Regular Shares, Checking, IRA, Certificates of Deposit, Insurance Shares, and Club accounts.","expense":0,"grants":0,"revenue":0},{"description":"Provide 3,186 loans including Vehicle, First Mortgage, Second Mortgage, Mobile Home, Overdraft Protection, Home Equity, Signature, and Credit Card Loans.","expense":0,"grants":0,"revenue":0},{"description":"Offer Money Orders, Safe Deposit Boxes, Courtesy Pay, and various insurance programs.","expense":0,"grants":0,"revenue":0}],"program_service_revenue_detail":[{"business_code":"522100","description":"Loan Interest","total_revenue":1071369,"related_or_exempt_function_income":1071369,"unrelated_business_revenue":0,"exclusion_amount":0},{"business_code":"522100","description":"Fee Income","total_revenue":178637,"related_or_exempt_function_income":178637,"unrelated_business_revenue":0,"exclusion_amount":0},{"business_code":"524298","description":"Other income","total_revenue":118316,"related_or_exempt_function_income":109029,"unrelated_business_revenue":9287,"exclusion_amount":0}],"functional_expense_allocations":{"other_salaries_and_wages":{"total":376881},"pension_plan_contributions":{"total":75885},"other_employee_benefits":{"total":58317},"payroll_taxes":{"total":30239},"management_fees":{"total":2261},"accounting_fees":{"total":1301},"other_service_fees":{"total":327774},"advertising":{"total":19951},"office_expenses":{"total":147111},"occupancy":{"total":47674},"interest":{"total":379988},"payments_to_affiliates":{"total":0},"depreciation_depletion":{"total":43067},"insurance":{"total":99084},"all_other_expenses":{"total":26775}},"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":"Melinda VanDeventer","address_line1":"PO Box 618","city":"Bridgeport","state":"MI","zip":"48722"},"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":true},"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":"9897995580","business_name_line1":"Consumers Choice Credit Union","address_line1":"2510 Weiss Street","city":"Saginaw","state":"MI","zip":"486023898"},"officers_directors_key_employees":[{"title":"Chairperson","average_hours_per_week":0.0,"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":0.0,"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":0.0,"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":0.0,"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":0.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"President/CEO","average_hours_per_week":55.0,"reportable_comp_from_org":83320,"reportable_comp_from_related_orgs":0,"other_compensation":46399,"highest_compensated_employee":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"land_buildings_equipment":{"land":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":250000,"book_value":250000},"buildings":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":1245364,"book_value":1245364,"depreciation":0},"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":21304,"book_value":21304,"depreciation":0},"other_land_buildings":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":0,"book_value":0,"depreciation":0},"total_book_value":1516668},"securities":{"other_securities":[{"description":"CU Answers Investment","book_value":110000,"method_of_valuation":"C"},{"description":"Co-Op Network Stock","book_value":100,"method_of_valuation":"C"},{"description":"Investments","book_value":12801000,"method_of_valuation":"C"}],"total_book_value":12911100},"other_liabilities":{"federal_income_tax_liability":29773862,"total_liability":29773862},"supplemental_information":[{"identifier":"SchD_P10_S00_L01","form_and_line_reference":"Schedule D, Part X, Line 1","explanation":"Member Shares"}]},"source_xml":"201101339349302275_public.xml"}],"Latest":{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"To provide financial services to member owners with a commond bond.","primary_activities":"Provide 4066 members with Regular Shares, Checking, IRA, Certificates of Deposit, Insurance Shares, and Club accounts.\n\nProvide 3,186 loans including Vehicle, First Mortgage, Second Mortgage, Mobile Home, Overdraft Protection, Home Equity, Signature, and Credit Card Loans.\n\nOffer Money Orders, Safe Deposit Boxes, Courtesy Pay, and various insurance programs.","year":2010,"name":"CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN","phone":"9897995580","website":"www.choicecu.org","type":"990","principal_officer":"Melinda VanDeventer","year_formation":1951,"state_legal_domicile":"MI","total_volunteers":5,"tax_period_begin":"2010-01-01T00:00:00","tax_period_end":"2010-12-31T00:00:00","address":"2510 Weiss Street, Saginaw, MI, 486023898, USA","city":"Saginaw","state":"MI","country":"USA","zip_code":"486023898"},"Governance":{"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":17,"Total Gross UBI":9287,"Net unrelated business taxable income":5941,"Number of employees":17,"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":false,"Compensation process for CEO":true,"Compensation process for other employees":false,"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":false,"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":1640017,"Contributions":{"value":0},"Program revenue":{"value":1368322,"Total revenue":{"value":1368322,"VARIOUS":1368322},"Total other revenue":0,"Unrelated business revenue":9287},"Investment income":{"value":271695,"Investment income total":415361,"Net investment gain":-143666,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0}},"Expenses":{"value":1966443,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":541322,"Other salaries and wages":376881,"Pension plan contributions":75885,"Other employee benefits":58317,"Payroll taxes":30239},"Other expenses":{"value":1425121,"Management services":2261,"Accounting":1301,"Other services":327774,"Advertising":19951,"Office expenses":147111,"Occupancy":47674,"Interest":379988,"Payments to affiliates":0,"Depreciation and depletion":43067,"Insurance":99084,"Itemized Expenses":{"value":330135,"VARIOUS":330135},"All other expenses":26775}},"Assets":{"value":34083130,"Non-interest bearing cash":379529,"Other net note and loans":16897736,"Prepaid expenses deferred charges":347583,"Land, building, equipment":1516668,"Investments other":12911100,"Investments program related":1466747,"Other assets":563767},"Liabilities":{"value":30386674,"Accounts payable, accrued":612812,"Other liabilities":29773862},"Fund balance":{"value":3696456},"Form990Details":{"program_service_accomplishments":[{"description":"Provide 4066 members with Regular Shares, Checking, IRA, Certificates of Deposit, Insurance Shares, and Club accounts.","expense":0,"grants":0,"revenue":0},{"description":"Provide 3,186 loans including Vehicle, First Mortgage, Second Mortgage, Mobile Home, Overdraft Protection, Home Equity, Signature, and Credit Card Loans.","expense":0,"grants":0,"revenue":0},{"description":"Offer Money Orders, Safe Deposit Boxes, Courtesy Pay, and various insurance programs.","expense":0,"grants":0,"revenue":0}],"program_service_revenue_detail":[{"business_code":"522100","description":"Loan Interest","total_revenue":1071369,"related_or_exempt_function_income":1071369,"unrelated_business_revenue":0,"exclusion_amount":0},{"business_code":"522100","description":"Fee Income","total_revenue":178637,"related_or_exempt_function_income":178637,"unrelated_business_revenue":0,"exclusion_amount":0},{"business_code":"524298","description":"Other income","total_revenue":118316,"related_or_exempt_function_income":109029,"unrelated_business_revenue":9287,"exclusion_amount":0}],"functional_expense_allocations":{"other_salaries_and_wages":{"total":376881},"pension_plan_contributions":{"total":75885},"other_employee_benefits":{"total":58317},"payroll_taxes":{"total":30239},"management_fees":{"total":2261},"accounting_fees":{"total":1301},"other_service_fees":{"total":327774},"advertising":{"total":19951},"office_expenses":{"total":147111},"occupancy":{"total":47674},"interest":{"total":379988},"payments_to_affiliates":{"total":0},"depreciation_depletion":{"total":43067},"insurance":{"total":99084},"all_other_expenses":{"total":26775}},"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":"Melinda VanDeventer","address_line1":"PO Box 618","city":"Bridgeport","state":"MI","zip":"48722"},"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":true},"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":"9897995580","business_name_line1":"Consumers Choice Credit Union","address_line1":"2510 Weiss Street","city":"Saginaw","state":"MI","zip":"486023898"},"officers_directors_key_employees":[{"title":"Chairperson","average_hours_per_week":0.0,"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":0.0,"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":0.0,"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":0.0,"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":0.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"President/CEO","average_hours_per_week":55.0,"reportable_comp_from_org":83320,"reportable_comp_from_related_orgs":0,"other_compensation":46399,"highest_compensated_employee":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"land_buildings_equipment":{"land":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":250000,"book_value":250000},"buildings":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":1245364,"book_value":1245364,"depreciation":0},"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":21304,"book_value":21304,"depreciation":0},"other_land_buildings":{"investment_cost_or_other_basis":0,"other_cost_or_other_basis":0,"book_value":0,"depreciation":0},"total_book_value":1516668},"securities":{"other_securities":[{"description":"CU Answers Investment","book_value":110000,"method_of_valuation":"C"},{"description":"Co-Op Network Stock","book_value":100,"method_of_valuation":"C"},{"description":"Investments","book_value":12801000,"method_of_valuation":"C"}],"total_book_value":12911100},"other_liabilities":{"federal_income_tax_liability":29773862,"total_liability":29773862},"supplemental_information":[{"identifier":"SchD_P10_S00_L01","form_and_line_reference":"Schedule D, Part X, Line 1","explanation":"Member Shares"}]},"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":-0.19903818070178542,"percentile":0.19814467037948452},"Operating Reserve Ratio":{"score":17.33237627533572,"percentile":0.9369608548806821},"Liabilities to Assets Ratio":{"score":0.8915458762150072,"percentile":0.07761615738802846},"Officer Compensation Ratio":{"score":0.06596631583015627,"percentile":0.6733970837445763},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Foreign Oversight Score":{"score":null},"Major-Donor Itemization":{"score":null},"Related-Party Transparency":{"score":null},"Pay-Setting Controls":{"score":null,"weight":5,"atoms":{"Compensation committee":{"value":null},"Independent compensation consultant":{"value":null},"Form 990 of other organizations reviewed":{"value":null},"Written employment contract":{"value":null},"Compensation survey or study":{"value":null},"Board or committee approval":{"value":null}}},"Governance Policy Score":{"score":0.7777777777777778,"weight":5,"atoms":{"Conflict of interest policy":{"value":true},"Whistle blower policy":{"value":false},"Document retention policy":{"value":true},"Compensation process for CEO":{"value":true},"Compensation process for other employees":{"value":false},"Form 990 provided to governing body":{"value":true},"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":0.9074074074074074,"weight":14},"Sustainability":{"score":0.4571757717473233,"weight":13},"Growth":{"score":null,"weight":8}},"Overall Score":{"score":0.8222763560940193,"percentile":0.7530152097842403}},"source_xml":"201101339349302275_public.xml"},"sector":"Public, Societal Benefit","donation_categories":[],"zakat_policy":null},"error":null}