{"success":true,"data":{"_id":381439781,"filings":[{"Organization":{"value":null,"Person":["Jonathan Gallimore","Carol Palazzolo","Frederick Morgan","Edward Carey","Bernard Hanus","Nora Sharpley","George Sciotti","Dean J Trudeau","Susan Wyputa","Linda Wallace"],"Title":["Chairperson until 11/2013","Vice Chairperson","Treasurer 1/13 Chairperson from 11/13","Secretary","Director","Director","Director","President/CEO/Treasurer","SVP of Finance/CFO","VP of Operations"],"Hours":[2.0,2.0,2.0,2.0,2.0,0.0,0.0,45.0,45.0,45.0],"Total Compensation":[0,0,0,0,0,0,0,286186,178819,195346],"Direct compensation":[0,0,0,0,0,0,0,204799,137462,114124],"Other compensation":[0,0,0,0,0,0,0,81387,41357,81222]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2013,"name":"Credit Unions Chartered in the State of Michigan Public Service Credit Union","phone":7346418400,"website":"www.pscunow.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Dean J Trudeau","year_formation":1951,"state_legal_domicile":"MI","total_volunteers":11,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"7665 Merriman Road, Romulus, MI, 48174, USA","city":"Romulus","state":"MI","country":"USA","zip_code":48174},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":101,"Total Gross UBI":206817,"Net unrelated business taxable income":-82550,"Number of employees":101,"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":11562064,"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":10558145,"Total revenue":{"value":10558145,"Fee/Other Revenue":5815829,"Loan Interest Income":4742316},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":859611,"Investment income total":879100,"Net investment gain":-19489,"Income from invest bond proceeds":0},"Other revenues":{"value":144308,"Other total":126605,"Royalties revenue":0,"Net rental income":17703,"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":9784419,"Grant expense":{"value":10000,"Grants to domestic orgs":0,"Grants to domestic individuals":10000,"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":3915627,"Current officers":660351,"Disqualified persons":0,"Other salaries and wages":2347656,"Pension plan contributions":280498,"Other employee benefits":382586,"Payroll taxes":244536},"Other expenses":{"value":5858792,"Management services":85420,"Legal":15436,"Accounting":43109,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":176512,"Office expenses":1918172,"Information technology":439398,"Royalties":0,"Occupancy":454791,"Travel":28145,"Conferences and meetings":238828,"Interest":573237,"Payments to affiliates":0,"Depreciation and depletion":271582,"Insurance":61879,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1552283,"Provision for Loan Loss":1199100,"Loan Servicing":240925,"Miscellaneous Expenses":63023,"Exam & Association Dues":49235},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":138647899,"Non-interest bearing cash":2329757,"Savings and temp cash investments":2054264,"Pledges and grants receivable":0,"Accounts receivable":181830,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":82903584,"Inventories for sale or use":0,"Prepaid expenses deferred charges":431034,"Land, building, equipment":6176627,"Investments publicly traded":0,"Investments other":37543081,"Investments program related":1009852,"Intangible assets":0,"Other assets":6017870},"Liabilities":{"value":121880128,"Sum of Total Liabilities":0,"Accounts payable, accrued":1393892,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":2008846,"Other liabilities":118477390},"Fund balance":{"value":16767771,"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":0.153748067819033,"percentile":0.7034758132741107},"Liabilities to Assets Ratio":{"score":0.8790622063447208,"percentile":0.06802442673536174},"Operating Reserve Ratio":{"score":14.170274085768403,"percentile":0.9219359778863637},"Officer Compensation Ratio":{"score":0.06749005740657672,"percentile":0.6758369893340666},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5440586178252758,"percentile":0.4400230942309819}},"source_xml":"201510169349300516_public.xml"},{"Organization":{"value":null,"Person":["Frederick Morgan","Carol Palazzolo","Edward Carey","Bernard Hanus","Nora Sharpley","George Sciotti","Dean J Trudeau","Susan Wyputa","Linda Wallace","Robert Mercier"],"Title":["Chairperson","Vice Chairperson","Secretary","Director","Director","Director","President/CEO/Treasurer","SVP of Finance/CFO","VP of Operations","VP of Growth & Development"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,406274,194899,196362,122926],"Direct compensation":[0,0,0,0,0,0,207903,129044,114459,104650],"Other compensation":[0,0,0,0,0,0,198371,65855,81903,18276]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2014,"name":"Credit Unions Chartered in the State of Michigan","phone":7346418400,"website":"www.pscunow.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Dean J Trudeau","year_formation":1951,"state_legal_domicile":"MI","total_volunteers":10,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"7665 Merriman Road, Romulus, MI, 48174, USA","city":"Romulus","state":"MI","country":"USA","zip_code":48174},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":111,"Total Gross UBI":223225,"Net unrelated business taxable income":-83330,"Number of employees":111,"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":11588205,"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":10786005,"Total revenue":{"value":10786005,"Fee & Other Income":5930408,"Loan Interest Income":4855597},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":782686,"Investment income total":848506,"Net investment gain":-65820,"Income from invest bond proceeds":0},"Other revenues":{"value":19514,"Other total":0,"Royalties revenue":0,"Net rental income":19514,"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":9778836,"Grant expense":{"value":10000,"Grants to domestic orgs":0,"Grants to domestic individuals":10000,"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":4117185,"Current officers":920461,"Disqualified persons":0,"Other salaries and wages":2509642,"Pension plan contributions":-18460,"Other employee benefits":428444,"Payroll taxes":277098},"Other expenses":{"value":5651651,"Management services":182488,"Legal":7381,"Accounting":43136,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":305507,"Office expenses":1846823,"Information technology":441730,"Royalties":0,"Occupancy":449430,"Travel":40523,"Conferences and meetings":235635,"Interest":544339,"Payments to affiliates":0,"Depreciation and depletion":291106,"Insurance":53371,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1210182,"Provision for Loan Loss":606500,"Loan Servicing":279433,"Miscellaneous Expenses":276070,"Exam Fees & Association Dues":48179},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":148456345,"Non-interest bearing cash":2173150,"Savings and temp cash investments":3657626,"Pledges and grants receivable":0,"Accounts receivable":652225,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":88401145,"Inventories for sale or use":0,"Prepaid expenses deferred charges":770611,"Land, building, equipment":5984510,"Investments publicly traded":0,"Investments other":36735539,"Investments program related":3512647,"Intangible assets":0,"Other assets":6568892},"Liabilities":{"value":128230058,"Sum of Total Liabilities":0,"Accounts payable, accrued":1434600,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":623210,"Other liabilities":126172248},"Fund balance":{"value":20226287,"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":0.15613884980460735,"percentile":0.7065450990374549},"Liabilities to Assets Ratio":{"score":0.8637559950704701,"percentile":0.07026619340481423},"Operating Reserve Ratio":{"score":15.181392243412201,"percentile":0.9270468663827015},"Officer Compensation Ratio":{"score":0.0941278696155657,"percentile":0.5720962693408259},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5375526321881552,"percentile":0.42146591571085656}},"source_xml":"201533029349301463_public.xml"},{"Organization":{"value":null,"Person":["FREDERICK MORGAN","JEFF KING","EDWARD CAREY","NORA SHARPLEY","CHARLIE LOWLER","DALE REAUME","DEAN J TRUDEAU","SUSAN WYPUTA","DONNA FOLLBAUM","ROBERT MERCIER","ANGLEO FANARAS"],"Title":["CHAIRPERSON","VICE CHAIRPERSON","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/CEO/TREASURER","SVP OF FINANCE","VP OF OPERATIONS","VP OF GROWTH & DEVELOPMENT","VP OF INFORMATION SERVICES"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,352522,311099,199644,200986,220419],"Direct compensation":[0,0,0,0,0,0,315855,195758,168597,156647,143320],"Other compensation":[0,0,0,0,0,0,36667,115341,31047,44339,77099]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2019,"name":"PUBLIC SERVICE CREDIT UNION","phone":7346418400,"website":"WWW.PSCUNOW.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DEAN J TRUDEAU","year_formation":1951,"state_legal_domicile":"MI","total_volunteers":11,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"7665 MERRIMAN ROAD, ROMULUS, MI, 48174, USA","city":"ROMULUS","state":"MI","country":"USA","zip_code":48174},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":226,"Total Gross UBI":3208073,"Net unrelated business taxable income":0,"Number of employees":226,"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":22992823,"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":22988942,"Total revenue":{"value":22988942,"FEE AND OTHER INCOME":10545613,"LOAN INTEREST INCOME":9235256,"NON-MEMBER SHARED BRANCH INCOME":2943052,"NON-MEMBER ATM FEE INCOME":265021},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3881,"Investment income total":0,"Net investment gain":3881,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":20961439,"Grant expense":{"value":10000,"Grants to domestic orgs":0,"Grants to domestic individuals":10000,"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":9442018,"Current officers":863265,"Disqualified persons":0,"Other salaries and wages":6105979,"Pension plan contributions":390711,"Other employee benefits":1526329,"Payroll taxes":555734},"Other expenses":{"value":11509421,"Management services":0,"Legal":62678,"Accounting":88766,"Lobbying services":0,"Investment management fees":0,"Other services":75035,"Advertising":392106,"Office expenses":3342331,"Information technology":802913,"Royalties":0,"Occupancy":1352286,"Travel":55746,"Conferences and meetings":326687,"Interest":2102735,"Payments to affiliates":0,"Depreciation and depletion":469840,"Insurance":70740,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2367558,"LOAN SERVICING":1097883,"PROVISION FOR LOAN LOSS":1066600,"MISCELLANEOUS EXPENSES":142419,"EXAM FEES":60656},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":293173964,"Non-interest bearing cash":7076503,"Savings and temp cash investments":9279844,"Pledges and grants receivable":0,"Accounts receivable":167084,"Receivables from officers":4936803,"Receivables from disqual persons":0,"Other net note and loans":190232629,"Inventories for sale or use":0,"Prepaid expenses deferred charges":803455,"Land, building, equipment":8511426,"Investments publicly traded":0,"Investments other":51280464,"Investments program related":14080687,"Intangible assets":0,"Other assets":6805069},"Liabilities":{"value":260315511,"Sum of Total Liabilities":0,"Accounts payable, accrued":2779833,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":7000000,"Other liabilities":250535678},"Fund balance":{"value":32858453,"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":0.08834861208647585,"percentile":0.602579259821154},"Liabilities to Assets Ratio":{"score":0.8879216539160346,"percentile":0.06661656285386074},"Operating Reserve Ratio":{"score":13.986347215952112,"percentile":0.9209216817470549},"Officer Compensation Ratio":{"score":0.06128729997973899,"percentile":0.7034134014994528},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.12300075302429482,"percentile":0.8091885691760379},"Asset Growth":{"score":0.13901698005536534,"percentile":0.7639459385050074},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.566968607489442,"percentile":0.5077263081647946}},"source_xml":"202033159349305643_public.xml"},{"Organization":{"value":null,"Person":["FREDERICK MORGAN","JEFF KING","EDWARD CAREY","NORA SHARPLEY","CHARLIE LOWLER","DALE REAUME","DEAN J TRUDEAU","SUSAN WYPUTA","DONNA FOLLBAUM","ROBERT MERCIER","ANGLEO FANARAS"],"Title":["CHAIRPERSON","VICE CHAIRPERSON","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/CEO/TREASURER","SVP OF FINANCE","VP OF OPERATIONS","VP OF GROWTH & DEVELOPMENT","VP OF INFORMATION SERVICES"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,318083,280586,196396,172529,158580],"Direct compensation":[0,0,0,0,0,0,291740,175658,163323,142038,109679],"Other compensation":[0,0,0,0,0,0,26343,104928,33073,30491,48901]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2017,"name":"PUBLIC SERVICE CREDIT UNION","phone":7346418400,"website":"WWW.PSCUNOW.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DEAN J TRUDEAU","year_formation":1951,"state_legal_domicile":"MI","total_volunteers":9,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"7665 MERRIMAN ROAD, ROMULUS, MI, 48174, USA","city":"ROMULUS","state":"MI","country":"USA","zip_code":48174},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":136,"Total Gross UBI":200890,"Net unrelated business taxable income":-178277,"Number of employees":136,"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":16788669,"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":15476947,"Total revenue":{"value":15476947,"LOAN INTEREST INCOME":7673094,"FEE AND OTHER INCOME":7602963,"NON-MEMBER ATM FEE INCOME":128412,"NON-MEMBER SHARED BRANCH INCOME":72478},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1306798,"Investment income total":1328045,"Net investment gain":-21247,"Income from invest bond proceeds":0},"Other revenues":{"value":4924,"Other total":0,"Royalties revenue":0,"Net rental income":4924,"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":13572812,"Grant expense":{"value":8000,"Grants to domestic orgs":0,"Grants to domestic individuals":8000,"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":5952012,"Current officers":795065,"Disqualified persons":0,"Other salaries and wages":3711319,"Pension plan contributions":236815,"Other employee benefits":134418,"Payroll taxes":1074395},"Other expenses":{"value":7612800,"Management services":0,"Legal":11210,"Accounting":51618,"Lobbying services":0,"Investment management fees":0,"Other services":32224,"Advertising":353000,"Office expenses":2549220,"Information technology":780084,"Royalties":0,"Occupancy":530039,"Travel":33398,"Conferences and meetings":350946,"Interest":952851,"Payments to affiliates":0,"Depreciation and depletion":283374,"Insurance":57547,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1627289,"LOAN SERVICING":1021410,"PROVISION FOR LOAN LOSS":359500,"MISCELLANEOUS EXPENSES":190909,"EXAM FEES":55470},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":269159657,"Non-interest bearing cash":3659171,"Savings and temp cash investments":7223406,"Pledges and grants receivable":0,"Accounts receivable":777524,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":182568768,"Inventories for sale or use":0,"Prepaid expenses deferred charges":917599,"Land, building, equipment":7346564,"Investments publicly traded":0,"Investments other":46104613,"Investments program related":13380830,"Intangible assets":0,"Other assets":7181182},"Liabilities":{"value":241290914,"Sum of Total Liabilities":0,"Accounts payable, accrued":1743826,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":12000000,"Other liabilities":227547088},"Fund balance":{"value":27868743,"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":0.1915492526536797,"percentile":0.7476490718060016},"Liabilities to Assets Ratio":{"score":0.8964601779084598,"percentile":0.06525806536191914},"Operating Reserve Ratio":{"score":19.830795342925253,"percentile":0.9454218140157983},"Officer Compensation Ratio":{"score":0.08297278412166911,"percentile":0.6127820264931647},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10388238883202794,"percentile":0.7725302651202416},"Asset Growth":{"score":0.18471115555612594,"percentile":0.8297338222459345},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5903970008004863,"percentile":0.5771971866954991}},"source_xml":"201823199349311032_public.xml"},{"Organization":{"value":null,"Person":["FREDERICK MORGAN","CHARLIE LOWLER","EDWARD CAREY","NORA SHARPLEY","DALE REAUME","DEAN J TRUDEAU","MELISSA ESPINOZA","DONNA FOLLBAUM","ROBERT MERCIER","ANGELO FANARAS","ASHLEY CARR","TANIS CAMPBELL","BRIAN BUCZEK","DAMIKA CLARK","DANETTE KRAHN"],"Title":["CHAIRPERSON","VICE CHAIRPERSON","SECRETARY","DIRECTOR","DIRECTOR","PRESIDENT/CEO, BOARD TREASURER","CFO/SVP OF SUPPORT","COO/EVP OF BRANCH SERVICES","CLO/SVP OF SALES & LENDING","CIO/SVP OF ELECTRONIC SERVICES","VP HR/SD","VP RISK","COMMERCIAL RELATIONSHIP MANAGER","AVP BRANCH OPERATIONS","AVP BRANCH ADMINISTRATION"],"Hours":[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":[0,0,0,0,0,459780,231132,247736,248258,329384,168899,179657,140783,169312,139574],"Direct compensation":[0,0,0,0,0,437322,221791,202481,192672,194228,123275,122530,124707,110100,112845],"Other compensation":[0,0,0,0,0,22458,9341,45255,55586,135156,45624,57127,16076,59212,26729]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2023,"name":"PUBLIC SERVICE CREDIT UNION","phone":7346418400,"website":"WWW.PSCUNOW.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DEAN J TRUDEAU","year_formation":1951,"state_legal_domicile":"MI","total_volunteers":6,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"7665 MERRIMAN ROAD, ROMULUS, MI, 48174, USA","city":"ROMULUS","state":"MI","country":"USA","zip_code":48174},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":5,"Number of employees total":159,"Total Gross UBI":1399846,"Net unrelated business taxable income":0,"Number of employees":159,"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":30634389,"Contributions":{"value":4000000,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":4000000,"Related organizations":0},"Program revenue":{"value":24272162,"Total revenue":{"value":24272162,"LOAN INTEREST INCOME":13551376,"FEE AND OTHER INCOME":9320940,"FINANCE AND INSURANCE":1399846},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2362227,"Investment income total":2359955,"Net investment gain":2272,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":26874380,"Grant expense":{"value":10000,"Grants to domestic orgs":0,"Grants to domestic individuals":10000,"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":10269611,"Current officers":1516290,"Disqualified persons":0,"Other salaries and wages":6250720,"Pension plan contributions":338205,"Other employee benefits":1562932,"Payroll taxes":601464},"Other expenses":{"value":16594769,"Management services":0,"Legal":22125,"Accounting":118988,"Lobbying services":0,"Investment management fees":0,"Other services":43605,"Advertising":282096,"Office expenses":3586428,"Information technology":861599,"Royalties":0,"Occupancy":927710,"Travel":74982,"Conferences and meetings":372586,"Interest":4053379,"Payments to affiliates":0,"Depreciation and depletion":735836,"Insurance":95803,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":5419632,"PROVISION FOR LOAN LOSS":4355306,"LOAN SERVICING":779070,"MISCELLANEOUS EXPENSES":222274,"EXAM FEES":62982},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":415528255,"Non-interest bearing cash":4999625,"Savings and temp cash investments":16661587,"Pledges and grants receivable":0,"Accounts receivable":7020563,"Receivables from officers":5496528,"Receivables from disqual persons":0,"Other net note and loans":257305682,"Inventories for sale or use":0,"Prepaid expenses deferred charges":668704,"Land, building, equipment":10355735,"Investments publicly traded":0,"Investments other":92111313,"Investments program related":6232794,"Intangible assets":0,"Other assets":14675724},"Liabilities":{"value":381389344,"Sum of Total Liabilities":0,"Accounts payable, accrued":5233732,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":15000000,"Other liabilities":361155612},"Fund balance":{"value":34138911,"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":0.12273817506201935,"percentile":0.6600160719704713},"Liabilities to Assets Ratio":{"score":0.9178421428886948,"percentile":0.061731133845596683},"Operating Reserve Ratio":{"score":15.461873166934456,"percentile":0.9283962298658983},"Officer Compensation Ratio":{"score":0.08612347522063765,"percentile":0.6010191707443101},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0908578299446875,"percentile":0.7420984245983385},"Asset Growth":{"score":0.10866984189216607,"percentile":0.7035732318949026},"Independent Voting Board Pct":{"score":0.8333333333333334,"percentile":0.20587825144360158},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5600613701172517,"percentile":0.4871608834763257}},"source_xml":"202402259349302600_public.xml"},{"Organization":{"value":null,"Person":["Frederick Morgan","Carol Palazzolo","Edward Carey","George Sciotti","Bernard Hanus","Nora Sharpley","Dean J Trudeau","Susan Wyputa","Linda Wallace","Robert Mercier","Angelo Fanaras"],"Title":["Chairperson","Vice Chairperson","Secretary","Director","Director","Director","President/CEO/Treasurer","SVP of Finance/CFO","VP of Operations","VP of Growth & Development","VP of Information Services"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,301386,196892,140088,135741,139817],"Direct compensation":[0,0,0,0,0,0,217477,140345,123592,116999,104269],"Other compensation":[0,0,0,0,0,0,83909,56547,16496,18742,35548]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2015,"name":"Credit Unions Chartered in the State of Michigan","phone":7346418400,"website":"www.pscunow.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Dean J Trudeau","year_formation":1951,"state_legal_domicile":"MI","total_volunteers":10,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"7665 Merriman Road, Romulus, MI, 48174, USA","city":"Romulus","state":"MI","country":"USA","zip_code":48174},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":109,"Total Gross UBI":262346,"Net unrelated business taxable income":-79854,"Number of employees":109,"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":12146474,"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":10912692,"Total revenue":{"value":10912692,"Fee and Other Income":6049633,"Loan Interest Income":4863059},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1240749,"Investment income total":1257227,"Net investment gain":-16478,"Income from invest bond proceeds":0},"Other revenues":{"value":-6967,"Other total":0,"Royalties revenue":0,"Net rental income":-6967,"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":11076579,"Grant expense":{"value":10000,"Grants to domestic orgs":0,"Grants to domestic individuals":10000,"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":4598966,"Current officers":913924,"Disqualified persons":0,"Other salaries and wages":2317810,"Pension plan contributions":541117,"Other employee benefits":544885,"Payroll taxes":281230},"Other expenses":{"value":6467613,"Management services":69199,"Legal":24440,"Accounting":46483,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":231815,"Office expenses":1970729,"Information technology":521899,"Royalties":0,"Occupancy":439320,"Travel":36327,"Conferences and meetings":288337,"Interest":511670,"Payments to affiliates":0,"Depreciation and depletion":251076,"Insurance":62440,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1999060,"Provision for Loan Loss":1430814,"Loan Servicing":386765,"Miscellaneous Expenses":124947,"Exam Fees & Association Dues":56534},"All other expenses":14818},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":156473106,"Non-interest bearing cash":2465077,"Savings and temp cash investments":2115565,"Pledges and grants receivable":0,"Accounts receivable":283477,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":100174234,"Inventories for sale or use":0,"Prepaid expenses deferred charges":681590,"Land, building, equipment":5797798,"Investments publicly traded":0,"Investments other":36073244,"Investments program related":5178282,"Intangible assets":0,"Other assets":3703839},"Liabilities":{"value":136124766,"Sum of Total Liabilities":0,"Accounts payable, accrued":1886452,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":4000000,"Other liabilities":130238314},"Fund balance":{"value":20348340,"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":0.08808276377160977,"percentile":0.602091557242689},"Liabilities to Assets Ratio":{"score":0.869956310575186,"percentile":0.06937001932048906},"Operating Reserve Ratio":{"score":14.126483095547822,"percentile":0.9216944788055759},"Officer Compensation Ratio":{"score":0.08250959073193989,"percentile":0.6146178817873289},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.02483557760555981,"percentile":0.4891396645604758},"Asset Growth":{"score":0.06027767310481476,"percentile":0.5647391925652688},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5170925220365039,"percentile":0.36567518928050113}},"source_xml":"201603169349300745_public.xml"},{"Organization":{"value":null,"Person":["FREDERICK MORGAN","CHARLIE LOWLER","EDWARD CAREY","JUANITA HENRY","DALE REAUME","DEAN J TRUDEAU","MELISSA ESPINOZA","DONNA FOLLBAUM","ROBERT MERCIER","ANGELO FANARAS","ASHLEY CARR","TANIS CAMPBELL","DAMIKA CLARK","BRIAN BUCZEK","DAWN SEWARD"],"Title":["CHAIRPERSON","VICE CHAIRPERSON","SECRETARY","DIRECTOR","DIRECTOR","PRESIDENT/CEO, BOARD TREASURER","CFO/SVP OF SUPPORT","COO/EVP OF BRANCH SERVICES","CLO/SVP OF SALES & LENDING","CIO/SVP OF ELECTRONIC SERVICES","VP OF PEOPLE & CULTURE","VP OF RISK MANAGEMENT","VP OF BRANCH EXPERIENCE","COMMERCIAL RELATIONSHIP MANAGER","AVP OF CONSUMER LENDING & COLLECTIONS"],"Hours":[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":[0,0,0,0,0,498212,252895,262330,236877,319226,182655,184647,170625,148882,149366],"Direct compensation":[0,0,0,0,0,457521,238628,215156,187188,204095,139498,135676,119180,131161,112907],"Other compensation":[0,0,0,0,0,40691,14267,47174,49689,115131,43157,48971,51445,17721,36459]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2024,"name":"PUBLIC SERVICE CREDIT UNION","phone":7346418400,"website":"WWW.PSCUNOW.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DEAN J TRUDEAU","year_formation":1951,"state_legal_domicile":"MI","total_volunteers":5,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"7665 MERRIMAN ROAD, ROMULUS, MI, 48174, USA","city":"ROMULUS","state":"MI","country":"USA","zip_code":48174},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":5,"Number of employees total":175,"Total Gross UBI":1596262,"Net unrelated business taxable income":0,"Number of employees":175,"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":31835970,"Contributions":{"value":2289320,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":2289320,"Related organizations":0},"Program revenue":{"value":26998903,"Total revenue":{"value":26998903,"LOAN INTEREST INCOME":16543685,"FEE AND OTHER INCOME":8858956,"FINANCE AND INSURANCE":1596262},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2547747,"Investment income total":2547747,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":29530611,"Grant expense":{"value":10000,"Grants to domestic orgs":0,"Grants to domestic individuals":10000,"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":11311903,"Current officers":1569540,"Disqualified persons":0,"Other salaries and wages":6939574,"Pension plan contributions":503751,"Other employee benefits":1664023,"Payroll taxes":635015},"Other expenses":{"value":18208708,"Management services":0,"Legal":32241,"Accounting":158658,"Lobbying services":0,"Investment management fees":0,"Other services":32126,"Advertising":442881,"Office expenses":4140712,"Information technology":950109,"Royalties":0,"Occupancy":946549,"Travel":62215,"Conferences and meetings":491450,"Interest":5785475,"Payments to affiliates":0,"Depreciation and depletion":711787,"Insurance":112196,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4342309,"PROVISION FOR LOAN LOSS":3391123,"LOAN SERVICING":608438,"MISCELLANEOUS EXPENSES":284087,"EXAM FEES":58661},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":419478532,"Non-interest bearing cash":5197902,"Savings and temp cash investments":3300581,"Pledges and grants receivable":0,"Accounts receivable":9971200,"Receivables from officers":8012079,"Receivables from disqual persons":0,"Other net note and loans":267296170,"Inventories for sale or use":0,"Prepaid expenses deferred charges":532419,"Land, building, equipment":9889708,"Investments publicly traded":0,"Investments other":93730284,"Investments program related":4678756,"Intangible assets":0,"Other assets":16869433},"Liabilities":{"value":380154720,"Sum of Total Liabilities":0,"Accounts payable, accrued":4960952,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":20000000,"Other liabilities":355193768},"Fund balance":{"value":39323812,"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":0.0724136566280217,"percentile":0.5721762112418604},"Liabilities to Assets Ratio":{"score":0.9062554838920815,"percentile":0.06362569706980777},"Operating Reserve Ratio":{"score":14.204871412921324,"percentile":0.9221172537654153},"Officer Compensation Ratio":{"score":0.08146512782955964,"percentile":0.6186597914480108},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.09272589222654568,"percentile":0.7468144667848687},"Asset Growth":{"score":0.09867355297102638,"percentile":0.6798288787204987},"Independent Voting Board Pct":{"score":0.8333333333333334,"percentile":0.20587825144360158},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5434074913651041,"percentile":0.4381538374160539}},"source_xml":"202543139349300214_public.xml"},{"Organization":{"value":null,"Person":["FREDERICK MORGAN","JEFF KING","EDWARD CAREY","NORA SHARPLEY","CHARLIE LOWLER","DALE REAUME","DEAN J TRUDEAU","MELISSA ESPINOZA","SUSAN WYPUTA","DONNA FOLLBAUM","ROBERT MERCIER","ANGELO FANARAS","ASHLEY CARR","TANIS CAMPBELL","BRIAN BUCZEK","DAMIKA CLARK","DANETTE KRAHN"],"Title":["CHAIRPERSON","VICE CHAIRPERSON","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/CEO, BOARD TREASURER","CFO/SVP OF SUPPORT","CFO/SVP OF SUPPORT","COO/EVP OF BRANCH SERVICES","CLO/SVP OF SALES & LENDING","CIO/SVP OF ELECTRONIC SERV","AVP HR/SD","AVP RISK","COMMERCIAL RELATIONSHIP MANAGER","AVP BRANCH SERVICES","AVP BRANCH SERVICES"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,448163,195579,26488,238076,237634,292316,160045,170024,117156,161363,134944],"Direct compensation":[0,0,0,0,0,0,381645,195114,24144,196655,170824,173767,109279,108699,102613,100460,104984],"Other compensation":[0,0,0,0,0,0,66518,465,2344,41421,66810,118549,50766,61325,14543,60903,29960]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2022,"name":"PUBLIC SERVICE CREDIT UNION","phone":7346418400,"website":"WWW.PSCUNOW.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DEAN J TRUDEAU","year_formation":1951,"state_legal_domicile":"MI","total_volunteers":6,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"7665 MERRIMAN ROAD, ROMULUS, MI, 48174, USA","city":"ROMULUS","state":"MI","country":"USA","zip_code":48174},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":5,"Number of employees total":155,"Total Gross UBI":1458922,"Net unrelated business taxable income":0,"Number of employees":155,"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":20530252,"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":18943858,"Total revenue":{"value":18943858,"LOAN INTEREST INCOME":10352016,"FEE AND OTHER INCOME":7132920,"FINANCE AND INSURANCE":1458922},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1586394,"Investment income total":1586394,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":19446149,"Grant expense":{"value":10000,"Grants to domestic orgs":0,"Grants to domestic individuals":10000,"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":9628870,"Current officers":1438256,"Disqualified persons":0,"Other salaries and wages":5869602,"Pension plan contributions":67771,"Other employee benefits":1701289,"Payroll taxes":551952},"Other expenses":{"value":9807279,"Management services":0,"Legal":16910,"Accounting":89413,"Lobbying services":0,"Investment management fees":0,"Other services":48587,"Advertising":287277,"Office expenses":3337436,"Information technology":924058,"Royalties":0,"Occupancy":1052559,"Travel":97545,"Conferences and meetings":443511,"Interest":1048628,"Payments to affiliates":0,"Depreciation and depletion":730125,"Insurance":90724,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1640506,"PROVISION FOR LOAN LOSS":767141,"LOAN SERVICING":629838,"MISCELLANEOUS EXPENSES":190911,"EXAM FEES":52616},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":391529125,"Non-interest bearing cash":5849136,"Savings and temp cash investments":5970149,"Pledges and grants receivable":0,"Accounts receivable":6645876,"Receivables from officers":5389389,"Receivables from disqual persons":0,"Other net note and loans":247841658,"Inventories for sale or use":0,"Prepaid expenses deferred charges":721819,"Land, building, equipment":10027942,"Investments publicly traded":0,"Investments other":91658873,"Investments program related":3439702,"Intangible assets":0,"Other assets":13984581},"Liabilities":{"value":363581738,"Sum of Total Liabilities":0,"Accounts payable, accrued":3407515,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":10425210,"Other liabilities":349749013},"Fund balance":{"value":27947387,"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":0.052805148227113824,"percentile":0.5312083794354593},"Liabilities to Assets Ratio":{"score":0.9286199027977804,"percentile":0.06018909990118528},"Operating Reserve Ratio":{"score":20.134018565835323,"percentile":0.9463922563471314},"Officer Compensation Ratio":{"score":0.11219640454261663,"percentile":0.5131086124030364},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07788888653018534,"percentile":0.7063166968610952},"Asset Growth":{"score":0.11784846436855725,"percentile":0.7236353206925932},"Independent Voting Board Pct":{"score":0.8333333333333334,"percentile":0.20587825144360158},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5291196001802899,"percentile":0.3980651082127109}},"source_xml":"202313139349304951_public.xml"},{"Organization":{"value":null,"Person":["Frederick Morgan","Carol Palazzolo","Edward Carey","Nora Sharpley","Jeff King","Charlie Lowler","Dale Reaume","Dean J Trudeau","Susan Wyputa","Linda Wallace","Robert Mercier"],"Title":["Chairperson","Vice Chairperson","Secretary","Director","Director","Director","Director","President/CEO/Treasurer","SVP of Finance/CFO","VP of Operations","VP of Growth & Development"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,363551,227953,125364,155923],"Direct compensation":[0,0,0,0,0,0,0,271534,160718,119739,131141],"Other compensation":[0,0,0,0,0,0,0,92017,67235,5625,24782]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2016,"name":"Credit Unions Chartered in the State of Michigan","phone":7346418400,"website":"www.pscunow.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Dean J Trudeau","year_formation":1951,"state_legal_domicile":"MI","total_volunteers":9,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"7665 Merriman Road, Romulus, MI, 48174, USA","city":"Romulus","state":"MI","country":"USA","zip_code":48174},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":7,"Number of employees total":99,"Total Gross UBI":207686,"Net unrelated business taxable income":-208893,"Number of employees":99,"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":15092120,"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":14081998,"Total revenue":{"value":14081998,"Loan Interest Income":6523433,"Fee/Other Income":7558565},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1006055,"Investment income total":1074986,"Net investment gain":-68931,"Income from invest bond proceeds":0},"Other revenues":{"value":4067,"Other total":0,"Royalties revenue":0,"Net rental income":4067,"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":12637910,"Grant expense":{"value":10000,"Grants to domestic orgs":0,"Grants to domestic individuals":10000,"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":5908881,"Current officers":872791,"Disqualified persons":0,"Other salaries and wages":3440656,"Pension plan contributions":596443,"Other employee benefits":660499,"Payroll taxes":338492},"Other expenses":{"value":6719029,"Management services":64664,"Legal":31019,"Accounting":31759,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":254064,"Office expenses":2402673,"Information technology":609396,"Royalties":0,"Occupancy":479735,"Travel":34225,"Conferences and meetings":339221,"Interest":715437,"Payments to affiliates":0,"Depreciation and depletion":325524,"Insurance":77333,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1350979,"Loan Servicing":662913,"Provision for Loan Loss":353200,"Miscellaneous Expenses":273048,"Exam Fees & Association Dues":61818},"All other expenses":3000},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":239040778,"Non-interest bearing cash":3815583,"Savings and temp cash investments":5737395,"Pledges and grants receivable":0,"Accounts receivable":224949,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":147543171,"Inventories for sale or use":0,"Prepaid expenses deferred charges":566507,"Land, building, equipment":7142560,"Investments publicly traded":0,"Investments other":54984744,"Investments program related":13894628,"Intangible assets":0,"Other assets":5131241},"Liabilities":{"value":214543361,"Sum of Total Liabilities":0,"Accounts payable, accrued":380249,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":4000000,"Other liabilities":210163112},"Fund balance":{"value":24497417,"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":0.16261532508355353,"percentile":0.7146632172188154},"Liabilities to Assets Ratio":{"score":0.8975178327105344,"percentile":0.06507596278798426},"Operating Reserve Ratio":{"score":18.914581445824506,"percentile":0.9423807444194009},"Officer Compensation Ratio":{"score":0.06906134004752368,"percentile":0.6690840307939208},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.08849921459827342,"percentile":0.7359931867258741},"Asset Growth":{"score":0.18118206084324792,"percentile":0.8255244787594128},"Independent Voting Board Pct":{"score":0.875,"percentile":0.22520058322737488},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5843469807457756,"percentile":0.5593553533799311}},"source_xml":"201703199349311920_public.xml"},{"Organization":{"value":null,"Person":["FREDERICK MORGAN","JEFF KING","EDWARD CAREY","NORA SHARPLEY","CHARLIE LOWLER","DALE REAUME","DEAN J TRUDEAU","SUSAN WYPUTA","DONNA FOLLBAUM","ROBERT MERCIER","ANGLEO FANARAS"],"Title":["CHAIRPERSON","VICE CHAIRPERSON","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/CEO/TREASURER","SVP OF FINANCE","VP OF OPERATIONS","VP OF GROWTH & DEVELOPMENT","VP OF INFORMATION SERVICES"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,323500,306643,186567,195040,173400],"Direct compensation":[0,0,0,0,0,0,283702,180298,161928,148463,112876],"Other compensation":[0,0,0,0,0,0,39798,126345,24639,46577,60524]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2018,"name":"PUBLIC SERVICE CREDIT UNION","phone":7346418400,"website":"WWW.PSCUNOW.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DEAN J TRUDEAU","year_formation":1951,"state_legal_domicile":"MI","total_volunteers":9,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"7665 MERRIMAN ROAD, ROMULUS, MI, 48174, USA","city":"ROMULUS","state":"MI","country":"USA","zip_code":48174},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":215,"Total Gross UBI":1434867,"Net unrelated business taxable income":0,"Number of employees":215,"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":18969550,"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":18181378,"Total revenue":{"value":18181378,"LOAN INTEREST INCOME":8902132,"FEE AND OTHER INCOME":7844379,"NON-MEMBER SHARED BRANCH INCOME":1239245,"NON-MEMBER ATM FEE INCOME":195622},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":784872,"Investment income total":809296,"Net investment gain":-24424,"Income from invest bond proceeds":0},"Other revenues":{"value":3300,"Other total":0,"Royalties revenue":0,"Net rental income":3300,"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":16945864,"Grant expense":{"value":10000,"Grants to domestic orgs":0,"Grants to domestic individuals":10000,"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":7755925,"Current officers":816710,"Disqualified persons":0,"Other salaries and wages":5140362,"Pension plan contributions":381000,"Other employee benefits":951742,"Payroll taxes":466111},"Other expenses":{"value":9179939,"Management services":0,"Legal":45922,"Accounting":53468,"Lobbying services":0,"Investment management fees":0,"Other services":51530,"Advertising":323519,"Office expenses":2608522,"Information technology":820461,"Royalties":0,"Occupancy":985053,"Travel":41741,"Conferences and meetings":357038,"Interest":1496369,"Payments to affiliates":0,"Depreciation and depletion":342899,"Insurance":67578,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1985839,"LOAN SERVICING":1198992,"PROVISION FOR LOAN LOSS":420100,"MISCELLANEOUS EXPENSES":306233,"EXAM FEES":60514},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":285973059,"Non-interest bearing cash":6498272,"Savings and temp cash investments":8478311,"Pledges and grants receivable":0,"Accounts receivable":443062,"Receivables from officers":4796944,"Receivables from disqual persons":0,"Other net note and loans":199150082,"Inventories for sale or use":0,"Prepaid expenses deferred charges":826149,"Land, building, equipment":8018019,"Investments publicly traded":0,"Investments other":40196092,"Investments program related":10834249,"Intangible assets":0,"Other assets":6731879},"Liabilities":{"value":254616747,"Sum of Total Liabilities":0,"Accounts payable, accrued":2223834,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":7000000,"Other liabilities":245392913},"Fund balance":{"value":31356312,"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":0.10668075942760899,"percentile":0.6345475218574519},"Liabilities to Assets Ratio":{"score":0.8903522167100363,"percentile":0.06623351244524632},"Operating Reserve Ratio":{"score":16.875684768861593,"percentile":0.934653380108034},"Officer Compensation Ratio":{"score":0.06993741953788842,"percentile":0.6652633614759514},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.11061043185255125,"percentile":0.786460017509129},"Asset Growth":{"score":0.16361059791540955,"percentile":0.802450188921414},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5715462301011363,"percentile":0.5215016529733822}},"source_xml":"201943129349301769_public.xml"},{"Organization":{"value":null,"Person":["FREDERICK MORGAN","JEFF KING","EDWARD CAREY","NORA SHARPLEY","CHARLIE LOWLER","DALE REAUME","DEAN J TRUDEAU","SUSAN WYPUTA","DONNA FOLLBAUM","ROBERT MERCIER","ANGLEO FANARAS"],"Title":["CHAIRPERSON","VICE CHAIRPERSON","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/CEO/TREASURER","CFO/SVP OF SUPPORT","COO/EVP OF OPERATIONS","CLO/SVP OF MARKETING","CIO/SVP OF ELECTRONIC SERVICES"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,385951,271590,205340,208280,249154],"Direct compensation":[0,0,0,0,0,0,346400,203717,170024,156655,140012],"Other compensation":[0,0,0,0,0,0,39551,67873,35316,51625,109142]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2020,"name":"PUBLIC SERVICE CREDIT UNION","phone":7346418400,"website":"WWW.PSCUNOW.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DEAN J TRUDEAU","year_formation":1951,"state_legal_domicile":"MI","total_volunteers":7,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"7665 MERRIMAN ROAD, ROMULUS, MI, 48174, USA","city":"ROMULUS","state":"MI","country":"USA","zip_code":48174},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":179,"Total Gross UBI":1883297,"Net unrelated business taxable income":0,"Number of employees":179,"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":19412411,"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":18288702,"Total revenue":{"value":18288702,"LOAN INTEREST INCOME":8756638,"FEE AND OTHER INCOME":7648767,"FINANCE AND INSURANCE":1883297},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1123709,"Investment income total":1066512,"Net investment gain":57197,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":18613765,"Grant expense":{"value":10000,"Grants to domestic orgs":0,"Grants to domestic individuals":10000,"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":8452035,"Current officers":862881,"Disqualified persons":0,"Other salaries and wages":5386473,"Pension plan contributions":395963,"Other employee benefits":1421437,"Payroll taxes":385281},"Other expenses":{"value":10151730,"Management services":0,"Legal":24842,"Accounting":96515,"Lobbying services":0,"Investment management fees":0,"Other services":39760,"Advertising":267111,"Office expenses":3092008,"Information technology":845892,"Royalties":0,"Occupancy":1439744,"Travel":49243,"Conferences and meetings":28193,"Interest":1767535,"Payments to affiliates":0,"Depreciation and depletion":576493,"Insurance":82805,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1841589,"PROVISION FOR LOAN LOSS":1139600,"LOAN SERVICING":424875,"MISCELLANEOUS EXPENSES":215190,"EXAM FEES":61924},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":337086473,"Non-interest bearing cash":7931528,"Savings and temp cash investments":13223665,"Pledges and grants receivable":0,"Accounts receivable":120857,"Receivables from officers":5054388,"Receivables from disqual persons":0,"Other net note and loans":180425932,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1075786,"Land, building, equipment":10208167,"Investments publicly traded":0,"Investments other":88105441,"Investments program related":24065843,"Intangible assets":0,"Other assets":6874866},"Liabilities":{"value":303735904,"Sum of Total Liabilities":0,"Accounts payable, accrued":4739626,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":5000000,"Other liabilities":293996278},"Fund balance":{"value":33350569,"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":0.04114099995101072,"percentile":0.5047729839266029},"Liabilities to Assets Ratio":{"score":0.901062274308468,"percentile":0.06449565166092296},"Operating Reserve Ratio":{"score":18.10952663257541,"percentile":0.9394914453750299},"Officer Compensation Ratio":{"score":0.07093218378979213,"percentile":0.6610671208035762},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.09937869593737637,"percentile":0.7624707749567381},"Asset Growth":{"score":0.12905381689155004,"percentile":0.745972821221775},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5412162422407791,"percentile":0.43182712204245155}},"source_xml":"202143079349303574_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["FREDERICK MORGAN","CHARLIE LOWLER","EDWARD CAREY","JUANITA HENRY","DALE REAUME","DEAN J TRUDEAU","MELISSA ESPINOZA","DONNA FOLLBAUM","ROBERT MERCIER","ANGELO FANARAS","ASHLEY CARR","TANIS CAMPBELL","DAMIKA CLARK","BRIAN BUCZEK","DAWN SEWARD"],"Title":["CHAIRPERSON","VICE CHAIRPERSON","SECRETARY","DIRECTOR","DIRECTOR","PRESIDENT/CEO, BOARD TREASURER","CFO/SVP OF SUPPORT","COO/EVP OF BRANCH SERVICES","CLO/SVP OF SALES & LENDING","CIO/SVP OF ELECTRONIC SERVICES","VP OF PEOPLE & CULTURE","VP OF RISK MANAGEMENT","VP OF BRANCH EXPERIENCE","COMMERCIAL RELATIONSHIP MANAGER","AVP OF CONSUMER LENDING & COLLECTIONS"],"Hours":[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":[0,0,0,0,0,498212,252895,262330,236877,319226,182655,184647,170625,148882,149366],"Direct compensation":[0,0,0,0,0,457521,238628,215156,187188,204095,139498,135676,119180,131161,112907],"Other compensation":[0,0,0,0,0,40691,14267,47174,49689,115131,43157,48971,51445,17721,36459]},"Basic":{"value":null,"mission":"To provide financial services to member owners with a common bond.","year":2024,"name":"PUBLIC SERVICE CREDIT UNION","phone":7346418400,"website":"WWW.PSCUNOW.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DEAN J TRUDEAU","year_formation":1951,"state_legal_domicile":"MI","total_volunteers":5,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"7665 MERRIMAN ROAD, ROMULUS, MI, 48174, USA","city":"ROMULUS","state":"MI","country":"USA","zip_code":48174},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":5,"Number of employees total":175,"Total Gross UBI":1596262,"Net unrelated business taxable income":0,"Number of employees":175,"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":31835970,"Contributions":{"value":2289320,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":2289320,"Related organizations":0},"Program revenue":{"value":26998903,"Total revenue":{"value":26998903,"LOAN INTEREST INCOME":16543685,"FEE AND OTHER INCOME":8858956,"FINANCE AND INSURANCE":1596262},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2547747,"Investment income total":2547747,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":29530611,"Grant expense":{"value":10000,"Grants to domestic orgs":0,"Grants to domestic individuals":10000,"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":11311903,"Current officers":1569540,"Disqualified persons":0,"Other salaries and wages":6939574,"Pension plan contributions":503751,"Other employee benefits":1664023,"Payroll taxes":635015},"Other expenses":{"value":18208708,"Management services":0,"Legal":32241,"Accounting":158658,"Lobbying services":0,"Investment management fees":0,"Other services":32126,"Advertising":442881,"Office expenses":4140712,"Information technology":950109,"Royalties":0,"Occupancy":946549,"Travel":62215,"Conferences and meetings":491450,"Interest":5785475,"Payments to affiliates":0,"Depreciation and depletion":711787,"Insurance":112196,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4342309,"PROVISION FOR LOAN LOSS":3391123,"LOAN SERVICING":608438,"MISCELLANEOUS EXPENSES":284087,"EXAM FEES":58661},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":419478532,"Non-interest bearing cash":5197902,"Savings and temp cash investments":3300581,"Pledges and grants receivable":0,"Accounts receivable":9971200,"Receivables from officers":8012079,"Receivables from disqual persons":0,"Other net note and loans":267296170,"Inventories for sale or use":0,"Prepaid expenses deferred charges":532419,"Land, building, equipment":9889708,"Investments publicly traded":0,"Investments other":93730284,"Investments program related":4678756,"Intangible assets":0,"Other assets":16869433},"Liabilities":{"value":380154720,"Sum of Total Liabilities":0,"Accounts payable, accrued":4960952,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":20000000,"Other liabilities":355193768},"Fund balance":{"value":39323812,"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":0.0724136566280217,"percentile":0.5721762112418604},"Liabilities to Assets Ratio":{"score":0.9062554838920815,"percentile":0.06362569706980777},"Operating Reserve Ratio":{"score":14.204871412921324,"percentile":0.9221172537654153},"Officer Compensation Ratio":{"score":0.08146512782955964,"percentile":0.6186597914480108},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.09272589222654568,"percentile":0.7468144667848687},"Asset Growth":{"score":0.09867355297102638,"percentile":0.6798288787204987},"Independent Voting Board Pct":{"score":0.8333333333333334,"percentile":0.20587825144360158},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5434074913651041,"percentile":0.4381538374160539}},"source_xml":"202543139349300214_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}