{"success":true,"data":{"_id":381502320,"filings":[{"Organization":{"value":null,"Person":["Adam Johnson","Kyle Gurzynski","Stephanie Overholt","Amy Baldwin","Kevin Richardson","Rick Chapman","Tangee Pettis","Kathy Couturier","David Kasley","Marcia Hansen","Robert Thompson"],"Title":["President/CEO","Executive VP","VP of Lending","VP / Controller","Chairperson","Vice Chair","Secretary","Director","Treasurer","Director","Director"],"Hours":[40.0,40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[106341,83437,76392,70363,0,0,0,0,0,0,0],"Direct compensation":[94205,73160,65075,65600,0,0,0,0,0,0,0],"Other compensation":[12136,10277,11317,4763,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2019,"name":"Safe Harbor Credit Union","phone":2318432323,"website":"www.safeharborcu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1952,"state_legal_domicile":"MI","total_volunteers":7,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"1200 East Tinkham Ave PO Box 980, Ludington, MI, 49431, USA","city":"Ludington","state":"MI","country":"USA","zip_code":49431},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":26,"Total Gross UBI":13834,"Net unrelated business taxable income":null,"Number of employees":26,"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":4169000,"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":3987861,"Total revenue":{"value":3974027,"Income on Loans":3097437,"Interchange Income":297304,"Non-Return Item Fees":141290,"Other Fees & Charges":330649,"Return Item Fees":107347},"Total other revenue":13834,"Unrelated business revenue":0},"Investment income":{"value":181139,"Investment income total":176439,"Net investment gain":4700,"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":3194519,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1234424,"Current officers":336533,"Disqualified persons":0,"Other salaries and wages":580884,"Pension plan contributions":32458,"Other employee benefits":207605,"Payroll taxes":76944},"Other expenses":{"value":1960095,"Management services":0,"Legal":2873,"Accounting":17067,"Lobbying services":0,"Investment management fees":0,"Other services":84339,"Advertising":164186,"Office expenses":112676,"Information technology":142811,"Royalties":0,"Occupancy":110362,"Travel":20526,"Conferences and meetings":36292,"Interest":479784,"Payments to affiliates":0,"Depreciation and depletion":82820,"Insurance":17718,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":642490,"Provision for Loan Losses":372027,"Loan Servicing":209454,"Postage and Shipping":33090,"Miscellaneous Operating Exp":27919},"All other expenses":46151},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":68656173,"Non-interest bearing cash":726467,"Savings and temp cash investments":4653276,"Pledges and grants receivable":0,"Accounts receivable":1426,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":59157850,"Inventories for sale or use":0,"Prepaid expenses deferred charges":69945,"Land, building, equipment":1171421,"Investments publicly traded":1624229,"Investments other":523460,"Investments program related":0,"Intangible assets":0,"Other assets":728099},"Liabilities":{"value":61197377,"Sum of Total Liabilities":0,"Accounts payable, accrued":651270,"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":0,"Other liabilities":60546107},"Fund balance":{"value":7458796,"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":0.2337445430558887,"percentile":0.787565683428649},"Liabilities to Assets Ratio":{"score":0.8913601548982347,"percentile":0.06607107449121893},"Operating Reserve Ratio":{"score":21.49186559854551,"percentile":0.9504070017353579},"Officer Compensation Ratio":{"score":0.10534700216214084,"percentile":0.5345518320214383},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.17038089583136223,"percentile":0.8709747411076217},"Asset Growth":{"score":0.08656590506211342,"percentile":0.6476041591027544},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6597620344327001,"percentile":0.7651941861253428}},"source_xml":"202021559349300442_public.xml"},{"Organization":{"value":null,"Person":["Kevin Richardson","Rick Chapman","Tangee Pettis","Ronald Lamb","David Kasley","Kelli Smith","Marcia Hansen","Jean Mazur"],"Title":["Chairperson","Vice Chair","Secretary","Treasurer","Director","Director","Director","President/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,69150],"Direct compensation":[0,0,0,0,0,0,0,69150],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2014,"name":"Safe Harbor Credit Union","phone":2318432323,"website":"www.safeharborcu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Jean Mazur","year_formation":1952,"state_legal_domicile":"MI","total_volunteers":7,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"1200 East Tinkham Ave PO Box 980, Ludington, MI, 49431, USA","city":"Ludington","state":"MI","country":"USA","zip_code":49431},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":20,"Total Gross UBI":12481,"Net unrelated business taxable income":1635,"Number of employees":20,"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":1716781,"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":1466630,"Total revenue":{"value":1466630,"Income on Loans":1035201,"Interchange Income":135950,"Non-Return Item Fees":121940,"Other Fees & Charges":116569,"Return Item Fees":56970},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":229405,"Investment income total":229405,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":20746,"Other total":20746,"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":1396200,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":603559,"Current officers":69150,"Disqualified persons":0,"Other salaries and wages":358474,"Pension plan contributions":23585,"Other employee benefits":112705,"Payroll taxes":39645},"Other expenses":{"value":792641,"Management services":0,"Legal":7707,"Accounting":10682,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":72343,"Office expenses":54878,"Information technology":98499,"Royalties":0,"Occupancy":86221,"Travel":8355,"Conferences and meetings":0,"Interest":107717,"Payments to affiliates":0,"Depreciation and depletion":73675,"Insurance":14845,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":181540,"ATM Processing":61981,"Loan Servicing Expenses":60569,"Professional Services":37329,"Postage and Shipping":21661},"All other expenses":76179},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":42976286,"Non-interest bearing cash":573603,"Savings and temp cash investments":4637535,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":24179749,"Inventories for sale or use":0,"Prepaid expenses deferred charges":44077,"Land, building, equipment":1242799,"Investments publicly traded":0,"Investments other":11774013,"Investments program related":0,"Intangible assets":0,"Other assets":524510},"Liabilities":{"value":39134568,"Sum of Total Liabilities":0,"Accounts payable, accrued":215046,"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":0,"Other liabilities":38919522},"Fund balance":{"value":3841718,"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":0.18673377676011094,"percentile":0.7425564215633426},"Liabilities to Assets Ratio":{"score":0.9106084225146863,"percentile":0.06289687709448687},"Operating Reserve Ratio":{"score":30.780895287208136,"percentile":0.9681251527052241},"Officer Compensation Ratio":{"score":0.049527288354104,"percentile":0.7591215244387552},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6432175124211034,"percentile":0.7246400925689093}},"source_xml":"201520899349300957_public.xml"},{"Organization":{"value":null,"Person":["Kevin Richardson","Rick Chapman","Tangee Pettis","Kathy Couturier","David Kasley","Marcia Hansen","Robert Thompson","Adam Johnson","Kyle Gurzynski","Amy Baldwin"],"Title":["Chairperson","Vice Chair","Secretary","Director","Treasurer","Director","Director","President/CEO","Executive VP","VP / Controller"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,86326,66586,57252],"Direct compensation":[0,0,0,0,0,0,0,73397,62250,53477],"Other compensation":[0,0,0,0,0,0,0,12929,4336,3775]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2017,"name":"Safe Harbor Credit Union","phone":2318432323,"website":"www.safeharborcu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1952,"state_legal_domicile":"MI","total_volunteers":7,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"1200 East Tinkham Ave PO Box 980, Ludington, MI, 49431, USA","city":"Ludington","state":"MI","country":"USA","zip_code":49431},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":21,"Total Gross UBI":13757,"Net unrelated business taxable income":9506,"Number of employees":21,"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":2655993,"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":2437120,"Total revenue":{"value":2437120,"Income on Loans":1838525,"Interchange Income":211619,"Non-Return Item Fees":117840,"Other Fees & Charges":199676,"Return Item Fees":69460},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":201697,"Investment income total":202496,"Net investment gain":-799,"Income from invest bond proceeds":0},"Other revenues":{"value":17176,"Other total":17176,"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":1867067,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":830402,"Current officers":210164,"Disqualified persons":0,"Other salaries and wages":413044,"Pension plan contributions":20211,"Other employee benefits":135114,"Payroll taxes":51869},"Other expenses":{"value":1036665,"Management services":0,"Legal":0,"Accounting":16386,"Lobbying services":0,"Investment management fees":0,"Other services":34212,"Advertising":81088,"Office expenses":78918,"Information technology":117378,"Royalties":0,"Occupancy":91358,"Travel":7743,"Conferences and meetings":23299,"Interest":147470,"Payments to affiliates":0,"Depreciation and depletion":78049,"Insurance":14440,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":283442,"Provision for Loan Losses":105888,"ATM Processing":90531,"Loan Servicing":60980,"Postage and Shipping":26043},"All other expenses":62882},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":55500247,"Non-interest bearing cash":256961,"Savings and temp cash investments":3681091,"Pledges and grants receivable":0,"Accounts receivable":488,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":45140664,"Inventories for sale or use":0,"Prepaid expenses deferred charges":51378,"Land, building, equipment":1107183,"Investments publicly traded":2921333,"Investments other":1682286,"Investments program related":0,"Intangible assets":0,"Other assets":658863},"Liabilities":{"value":50036942,"Sum of Total Liabilities":0,"Accounts payable, accrued":311349,"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":0,"Other liabilities":49725593},"Fund balance":{"value":5463305,"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":0.29703617441762836,"percentile":0.8335154999950068},"Liabilities to Assets Ratio":{"score":0.9015625101632431,"percentile":0.06441555930275812},"Operating Reserve Ratio":{"score":29.725900034653282,"percentile":0.9667689181184735},"Officer Compensation Ratio":{"score":0.11256371624585514,"percentile":0.5119657814936605},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.11743013921741938,"percentile":0.7994174449046166},"Asset Growth":{"score":0.07186676748834249,"percentile":0.6037276268235044},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6579871340678184,"percentile":0.7609959077134691}},"source_xml":"201820969349300432_public.xml"},{"Organization":{"value":null,"Person":["ADAM JOHNSON","JULEE SARTO","TANGEE PETTIS","KATHY COUTURIER","DAVID KASLEY","ROBERT THOMPSON","CHRISTOPHER SIMPLER","CHRISTOPHER TOOMAN"],"Title":["CEO","Secretary","Director","Director","Chairman","Treasurer","Director","Director"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[192449,0,0,0,0,0,0,0],"Direct compensation":[159210,0,0,0,0,0,0,0],"Other compensation":[33239,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2024,"name":"Safe Harbor Credit Union","phone":2318432323,"website":"WWW.SAFEHARBORCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ADAM JOHNSON","year_formation":1952,"state_legal_domicile":"MI","total_volunteers":7,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"5511 W US HIGHWAY 10, LUDINGTON, MI, 49431, USA","city":"LUDINGTON","state":"MI","country":"USA","zip_code":49431},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":43,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":43,"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":10880980,"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":10361975,"Total revenue":{"value":10361975,"VARIOUS":10361975},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":519005,"Investment income total":519005,"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":8990637,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2553978,"Current officers":192449,"Disqualified persons":0,"Other salaries and wages":1737701,"Pension plan contributions":72118,"Other employee benefits":393993,"Payroll taxes":157717},"Other expenses":{"value":6436659,"Management services":0,"Legal":12064,"Accounting":4834,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":296913,"Office expenses":236587,"Information technology":299887,"Royalties":0,"Occupancy":200936,"Travel":59521,"Conferences and meetings":0,"Interest":3363757,"Payments to affiliates":7270,"Depreciation and depletion":200028,"Insurance":57616,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1675340,"PRO SERVICES":981167,"CREDIT LOSS EXPENSE":305218,"MISC":209549,"LOAN SERVICING EXPENSE":179406},"All other expenses":21906},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":172313288,"Non-interest bearing cash":355813,"Savings and temp cash investments":17722454,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":141786577,"Inventories for sale or use":0,"Prepaid expenses deferred charges":5704,"Land, building, equipment":5408963,"Investments publicly traded":3671077,"Investments other":776499,"Investments program related":0,"Intangible assets":0,"Other assets":2586201},"Liabilities":{"value":156964281,"Sum of Total Liabilities":0,"Accounts payable, accrued":535428,"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":0,"Other liabilities":156428853},"Fund balance":{"value":15349007,"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":0.17372911263507515,"percentile":0.728005031509092},"Liabilities to Assets Ratio":{"score":0.9109238342663394,"percentile":0.06284792038450887},"Operating Reserve Ratio":{"score":19.16585977167135,"percentile":0.9432351863554433},"Officer Compensation Ratio":{"score":0.021405491068096732,"percentile":0.9050390540485762},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.1793035799348626,"percentile":0.8794980529702947},"Asset Growth":{"score":0.14450753040246705,"percentile":0.7732743976649274},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6798068990779684,"percentile":0.8106813018122812}},"source_xml":"202531019349300333_public.xml"},{"Organization":{"value":null,"Person":["Kevin Richardson","Rick Chapman","Tangee Pettis","Ronald Lamb","David Kasley","Kelli Smith","Marcia Hansen","David Eyke","Jean Mazur"],"Title":["Chairman","Vice Chair","Secretary","Director","Treasurer","Director","Director","President/CEO","CEO/PRESIDENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,7692,64541],"Direct compensation":[0,0,0,0,0,0,0,7692,64541],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2015,"name":"Safe Harbor Credit Union","phone":2318432323,"website":"www.safeharborcu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"David Eyke","year_formation":1952,"state_legal_domicile":"MI","total_volunteers":7,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"1200 East Tinkham Ave PO Box 980, Ludington, MI, 49431, USA","city":"Ludington","state":"MI","country":"USA","zip_code":49431},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":20,"Total Gross UBI":11293,"Net unrelated business taxable income":3827,"Number of employees":20,"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":1761962,"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":1534791,"Total revenue":{"value":1534791,"Income on Loans":1108235,"Interchange Income":157929,"Non-Return Item Fees":90060,"Other Fees & Charges":116942,"Return Item Fees":61625},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":215878,"Investment income total":215878,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":11293,"Other total":11293,"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":1486783,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":682605,"Current officers":7692,"Disqualified persons":0,"Other salaries and wages":462653,"Pension plan contributions":24411,"Other employee benefits":146162,"Payroll taxes":41687},"Other expenses":{"value":804178,"Management services":0,"Legal":1039,"Accounting":12552,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":65161,"Office expenses":44193,"Information technology":102724,"Royalties":0,"Occupancy":96169,"Travel":11915,"Conferences and meetings":0,"Interest":103086,"Payments to affiliates":0,"Depreciation and depletion":77503,"Insurance":15468,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":274368,"Postage and Shipping":20437},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":45612806,"Non-interest bearing cash":560834,"Savings and temp cash investments":4202344,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":26810375,"Inventories for sale or use":0,"Prepaid expenses deferred charges":35277,"Land, building, equipment":1205434,"Investments publicly traded":0,"Investments other":12253104,"Investments program related":0,"Intangible assets":0,"Other assets":545438},"Liabilities":{"value":41495909,"Sum of Total Liabilities":0,"Accounts payable, accrued":213794,"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":0,"Other liabilities":41282115},"Fund balance":{"value":4116897,"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":0.15617760201411834,"percentile":0.7065940119579862},"Liabilities to Assets Ratio":{"score":0.9097425183620582,"percentile":0.06304190366630451},"Operating Reserve Ratio":{"score":30.6788589861466,"percentile":0.967997835198198},"Officer Compensation Ratio":{"score":0.04858341802401561,"percentile":0.7638144570063593},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.028945700360343083,"percentile":0.5095584894218712},"Asset Growth":{"score":0.04547041312058645,"percentile":0.5091146837230962},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6150216466285752,"percentile":0.6488434985880082}},"source_xml":"201601319349301490_public.xml"},{"Organization":{"value":null,"Person":["ADAM JOHNSON","PAUL WILLIAMS","JULEE SARTO","TANGEE PETTIS","KATHY COUTURIER","DAVID KASLEY","ROBERT THOMPSON","CHRISTOPHER SIMPLER","CHRISTOPHER TOOMAN"],"Title":["CEO","CFO","Secretary","Director","Director","Chairman","Treasurer","Director","Director"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[167359,108518,0,0,0,0,0,0,0],"Direct compensation":[139286,102053,0,0,0,0,0,0,0],"Other compensation":[28073,6465,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2023,"name":"Safe Harbor Credit Union","phone":2318432323,"website":"WWW.SAFEHARBORCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ADAM JOHNSON","year_formation":1952,"state_legal_domicile":"MI","total_volunteers":7,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"5511 W US HIGHWAY 10, LUDINGTON, MI, 49431, USA","city":"LUDINGTON","state":"MI","country":"USA","zip_code":49431},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":43,"Total Gross UBI":16718,"Net unrelated business taxable income":5049,"Number of employees":43,"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":8484424,"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":8287539,"Total revenue":{"value":8287539,"FEE AND OTHER INCOME":1203108,"INSURANCE SALES":9245,"INTEREST ON LOANS":7067965,"NON-MEMBER ATM SERVICES":7221},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":196885,"Investment income total":196885,"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":6772288,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2152769,"Current officers":275877,"Disqualified persons":0,"Other salaries and wages":1329813,"Pension plan contributions":3407,"Other employee benefits":405818,"Payroll taxes":137854},"Other expenses":{"value":4619519,"Management services":0,"Legal":9088,"Accounting":4316,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":205310,"Office expenses":260752,"Information technology":273841,"Royalties":0,"Occupancy":179207,"Travel":60979,"Conferences and meetings":0,"Interest":1930881,"Payments to affiliates":21234,"Depreciation and depletion":193691,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1456239,"PRO SERVICES":833122,"CREDIT LOSS EXPENSE":336958,"LOAN SERVICING EXPENSE":156422,"MISC":129737},"All other expenses":23981},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":144959154,"Non-interest bearing cash":447529,"Savings and temp cash investments":7321525,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":126295702,"Inventories for sale or use":0,"Prepaid expenses deferred charges":24565,"Land, building, equipment":5461648,"Investments publicly traded":2621181,"Investments other":726907,"Investments program related":0,"Intangible assets":0,"Other assets":2060097},"Liabilities":{"value":131917613,"Sum of Total Liabilities":0,"Accounts payable, accrued":9253147,"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":0,"Other liabilities":122664466},"Fund balance":{"value":13041541,"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":0.2017975527861408,"percentile":0.7580925917509582},"Liabilities to Assets Ratio":{"score":0.9100329945358263,"percentile":0.0629911033982102},"Operating Reserve Ratio":{"score":21.404753312322217,"percentile":0.9501733842145288},"Officer Compensation Ratio":{"score":0.04073615888751335,"percentile":0.8035512737924941},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.17618795162032683,"percentile":0.8766614284862386},"Asset Growth":{"score":0.14306498456386746,"percentile":0.7708764680765285},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6791143836141819,"percentile":0.8091994153247861}},"source_xml":"202421429349301612_public.xml"},{"Organization":{"value":null,"Person":["Kevin Richardson","Rick Chapman","Tangee Pettis","Kathy Couturier","David Kasley","Marcia Hansen","Robert Thompson","Stephanie A Overholt","Adam Johnson","Kyle Gurzynski","Amy Baldwin"],"Title":["Chairperson","Vice Chair","Secretary","Director","Treasurer","Director","Director","Vice President","President/CEO","Executive VP","VP / Controller"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,70662,89238,74906,69204],"Direct compensation":[0,0,0,0,0,0,0,62196,78396,65667,64727],"Other compensation":[0,0,0,0,0,0,0,8466,10842,9239,4477]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2018,"name":"Safe Harbor Credit Union","phone":2318432323,"website":"www.safeharborcu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1952,"state_legal_domicile":"MI","total_volunteers":7,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"1200 East Tinkham Ave PO Box 980, Ludington, MI, 49431, USA","city":"Ludington","state":"MI","country":"USA","zip_code":49431},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":27,"Total Gross UBI":13818,"Net unrelated business taxable income":9669,"Number of employees":27,"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":3463967,"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":3243717,"Total revenue":{"value":3149983,"Fannie Mae less fees 145":104089,"Income on Loans":2511056,"Interchange Income":254601,"Non-Return Item Fees":132325,"Other Fees & Charges":147912},"Total other revenue":93734,"Unrelated business revenue":0},"Investment income":{"value":168615,"Investment income total":168615,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":51635,"Other total":51635,"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":2499611,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1095526,"Current officers":304010,"Disqualified persons":0,"Other salaries and wages":523140,"Pension plan contributions":23594,"Other employee benefits":177541,"Payroll taxes":67241},"Other expenses":{"value":1404085,"Management services":0,"Legal":467,"Accounting":16721,"Lobbying services":0,"Investment management fees":0,"Other services":11675,"Advertising":107215,"Office expenses":97801,"Information technology":128295,"Royalties":0,"Occupancy":100064,"Travel":12863,"Conferences and meetings":34086,"Interest":292238,"Payments to affiliates":0,"Depreciation and depletion":80427,"Insurance":12861,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":409456,"Provision for Loan Losses":176751,"ATM Processing":101192,"Loan Servicing":82536,"Professional and Outside Srvcs":48977},"All other expenses":99916},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":60570880,"Non-interest bearing cash":290361,"Savings and temp cash investments":2491711,"Pledges and grants receivable":0,"Accounts receivable":503,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":52591980,"Inventories for sale or use":0,"Prepaid expenses deferred charges":52846,"Land, building, equipment":1164998,"Investments publicly traded":2793778,"Investments other":451770,"Investments program related":0,"Intangible assets":0,"Other assets":732933},"Liabilities":{"value":54153837,"Sum of Total Liabilities":0,"Accounts payable, accrued":1077049,"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":0,"Other liabilities":53076788},"Fund balance":{"value":6417043,"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":0.27839641659403797,"percentile":0.8213918212297971},"Liabilities to Assets Ratio":{"score":0.8940572928773695,"percentile":0.06564562224592901},"Operating Reserve Ratio":{"score":24.232122518263843,"percentile":0.9571871642127059},"Officer Compensation Ratio":{"score":0.1216229245270564,"percentile":0.48532561157326304},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.15596836474199047,"percentile":0.8554950920405134},"Asset Growth":{"score":0.07866661637515977,"percentile":0.6247303275432198},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6604473865027265,"percentile":0.7668132621041228}},"source_xml":"201901289349300945_public.xml"},{"Organization":{"value":null,"Person":["Adam Johnson","Paul Williams","JULEE SARTO","Tangee Pettis","Kathy Couturier","David Kasley","Marcia Hansen","Robert Thompson"],"Title":["CEO","EVP Finance","Director","Secretary","Director","vice chair","Director","Treasurer"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[150765,95172,0,0,0,0,0,0],"Direct compensation":[130470,91807,0,0,0,0,0,0],"Other compensation":[20295,3365,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2022,"name":"Safe Harbor Credit Union","phone":2318432323,"website":"www.safeharborcu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Adam Johnson","year_formation":1952,"state_legal_domicile":"MI","total_volunteers":7,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"5511 W US Highway 10, Ludington, MI, 49431, USA","city":"Ludington","state":"MI","country":"USA","zip_code":49431},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":36,"Total Gross UBI":7744,"Net unrelated business taxable income":3650,"Number of employees":36,"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":6315016,"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":6129607,"Total revenue":{"value":6129607,"Fees & Charges":713297,"Income from Insurance":6209,"Income on Loans":4850362,"Non-Member ATM Fees":1535,"OIther Program Revenue":558204},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":185409,"Investment income total":192190,"Net investment gain":-6781,"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":4749542,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1862409,"Current officers":245937,"Disqualified persons":0,"Other salaries and wages":1187514,"Pension plan contributions":52344,"Other employee benefits":254630,"Payroll taxes":121984},"Other expenses":{"value":2887133,"Management services":0,"Legal":1881,"Accounting":18642,"Lobbying services":0,"Investment management fees":0,"Other services":207589,"Advertising":174268,"Office expenses":180877,"Information technology":250614,"Royalties":0,"Occupancy":168968,"Travel":53981,"Conferences and meetings":0,"Interest":553419,"Payments to affiliates":0,"Depreciation and depletion":190317,"Insurance":19329,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":910147,"ATM, Debit, and Card Expense":407231,"Kasasa Expense":206847,"Provision for Loan Losses":200447,"Loan Servicing":95622},"All other expenses":157101},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":130837946,"Non-interest bearing cash":425543,"Savings and temp cash investments":9135996,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":105334059,"Inventories for sale or use":0,"Prepaid expenses deferred charges":54947,"Land, building, equipment":5603330,"Investments publicly traded":8305293,"Investments other":401100,"Investments program related":0,"Intangible assets":0,"Other assets":1577678},"Liabilities":{"value":119650107,"Sum of Total Liabilities":0,"Accounts payable, accrued":5509541,"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":0,"Other liabilities":114140566},"Fund balance":{"value":11187839,"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":0.24789707579521572,"percentile":0.7991582493984221},"Liabilities to Assets Ratio":{"score":0.9144908694913324,"percentile":0.06225675274854031},"Operating Reserve Ratio":{"score":27.54748689452583,"percentile":0.9635186840462474},"Officer Compensation Ratio":{"score":0.05178120332444686,"percentile":0.7481137185129328},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.1703288011458513,"percentile":0.8709215473993736},"Asset Growth":{"score":0.13881092316098856,"percentile":0.7635988513039741},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6831086923850156,"percentile":0.8176979643359319}},"source_xml":"202322099349300242_public.xml"},{"Organization":{"value":null,"Person":["Kevin Richardson","Rick Chapman","Tangee Pettis","Ron Lamb","David Kasley","Kelli Smith","Marcia Hansen","Jean Mazur"],"Title":["Chairperson","Vice Chair","Secretary","Treasurer","Director","Director","Director","President/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,67250],"Direct compensation":[0,0,0,0,0,0,0,67250],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2013,"name":"Safe Harbor Credit Union","phone":2318432323,"website":"www.safeharborcu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Jean Mazur","year_formation":1952,"state_legal_domicile":"MI","total_volunteers":7,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"1200 East Tinkham Ave PO Box 980, Ludington, MI, 49431, USA","city":"Ludington","state":"MI","country":"USA","zip_code":49431},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":17,"Total Gross UBI":11112,"Net unrelated business taxable income":4650,"Number of employees":17,"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":1662746,"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":1429611,"Total revenue":{"value":1429611,"Income on Loans":1028045,"Interchange Income":117855,"Non-Return Item Fees":120985,"Other Program Revenue":107535,"Return Item Fees":55191},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":212418,"Investment income total":212418,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":20717,"Other total":21076,"Royalties revenue":0,"Net rental income":-359,"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":1472465,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":638192,"Current officers":67250,"Disqualified persons":0,"Other salaries and wages":363561,"Pension plan contributions":28073,"Other employee benefits":141236,"Payroll taxes":38072},"Other expenses":{"value":834273,"Management services":0,"Legal":4318,"Accounting":12894,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":50619,"Office expenses":50260,"Information technology":105938,"Royalties":0,"Occupancy":82588,"Travel":6106,"Conferences and meetings":0,"Interest":135902,"Payments to affiliates":0,"Depreciation and depletion":75668,"Insurance":15930,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":187903,"VISA & ATM Processing":100516,"Provision for Loan Losses":31030,"NCUSIF Stabilization":29435,"Loss on Disposal of F/A":26922},"All other expenses":106147},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":41664354,"Non-interest bearing cash":558928,"Savings and temp cash investments":4461848,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":21997473,"Inventories for sale or use":0,"Prepaid expenses deferred charges":18411,"Land, building, equipment":1302413,"Investments publicly traded":0,"Investments other":12780632,"Investments program related":0,"Intangible assets":0,"Other assets":544649},"Liabilities":{"value":38143217,"Sum of Total Liabilities":0,"Accounts payable, accrued":279581,"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":0,"Other liabilities":37863636},"Fund balance":{"value":3521137,"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":0.11443780348892735,"percentile":0.6471014305195021},"Liabilities to Assets Ratio":{"score":0.9154880212471314,"percentile":0.062104147104466656},"Operating Reserve Ratio":{"score":28.295649811710295,"percentile":0.9646918239324175},"Officer Compensation Ratio":{"score":0.04567171375890089,"percentile":0.7783093623736109},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6229635427226338,"percentile":0.6709398060108596}},"source_xml":"201411109349300001_public.xml"},{"Organization":{"value":null,"Person":["Kevin Richardson","Rick Chapman","Tangee Pettis","Ronald Lamb","David Kasley","Kelli Smith","Marcia Hansen","Adam Johnson","David Eyke"],"Title":["Chairperson","Vice Chair","Secretary","Director","Treasurer","Director","Director","President/CEO","President / CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,70655,32505],"Direct compensation":[0,0,0,0,0,0,0,61696,31907],"Other compensation":[0,0,0,0,0,0,0,8959,598]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2016,"name":"Safe Harbor Credit Union","phone":2318432323,"website":"www.safeharborcu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1952,"state_legal_domicile":"MI","total_volunteers":7,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"1200 East Tinkham Ave PO Box 980, Ludington, MI, 49431, USA","city":"Ludington","state":"MI","country":"USA","zip_code":49431},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":20,"Total Gross UBI":13613,"Net unrelated business taxable income":9136,"Number of employees":20,"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":2040942,"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":1815231,"Total revenue":{"value":1815231,"Income on Loans":1343585,"Interchange Income":178669,"Non-Return Item Fees":93240,"Other Fees & Charges":131289,"Return Item Fees":68448},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":212088,"Investment income total":212088,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":13623,"Other total":13623,"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":1432832,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":666512,"Current officers":103160,"Disqualified persons":0,"Other salaries and wages":414478,"Pension plan contributions":28720,"Other employee benefits":75951,"Payroll taxes":44203},"Other expenses":{"value":766320,"Management services":0,"Legal":1754,"Accounting":12163,"Lobbying services":0,"Investment management fees":0,"Other services":30804,"Advertising":55721,"Office expenses":73314,"Information technology":108871,"Royalties":0,"Occupancy":84098,"Travel":9457,"Conferences and meetings":14042,"Interest":102241,"Payments to affiliates":0,"Depreciation and depletion":84019,"Insurance":12048,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":156668,"ATM Processing":74468,"Loan Servicing":43434,"Postage and Shipping":23559,"Operating Fees":15207},"All other expenses":21120},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":49054280,"Non-interest bearing cash":425860,"Savings and temp cash investments":4830043,"Pledges and grants receivable":0,"Accounts receivable":487,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":32838817,"Inventories for sale or use":0,"Prepaid expenses deferred charges":22496,"Land, building, equipment":1140829,"Investments publicly traded":0,"Investments other":9226931,"Investments program related":0,"Intangible assets":0,"Other assets":568817},"Liabilities":{"value":44329273,"Sum of Total Liabilities":0,"Accounts payable, accrued":58761,"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":0,"Other liabilities":44270512},"Fund balance":{"value":4725007,"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":0.2979555518971142,"percentile":0.8340678083893404},"Liabilities to Assets Ratio":{"score":0.9036779869157187,"percentile":0.0640601622658886},"Operating Reserve Ratio":{"score":34.235890879042344,"percentile":0.9718333256201828},"Officer Compensation Ratio":{"score":0.07199727532606753,"percentile":0.6566325461637755},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06570304678179296,"percentile":0.6667976911690885},"Asset Growth":{"score":0.05533793451822594,"percentile":0.5468807430245426},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6506117722267026,"percentile":0.7431512746123647}},"source_xml":"201701149349300105_public.xml"},{"Organization":{"value":null,"Person":["Adam Johnson","Kyle Gurzynski","Stephanie Overholt","Amy Baldwin","Kevin Richardson","JULEE SARTO","Tangee Pettis","Kathy Couturier","David Kasley","Marcia Hansen","Robert Thompson"],"Title":["President/CEO","Executive VP","VP of Lending","VP / Controller","Chairperson","Director","Secretary","Director","vice chair","Director","Treasurer"],"Hours":[40.0,40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[129254,109442,85341,75648,0,0,0,0,0,0,0],"Direct compensation":[112400,86821,68990,70639,0,0,0,0,0,0,0],"Other compensation":[16854,22621,16351,5009,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2020,"name":"Safe Harbor Credit Union","phone":2318432323,"website":"www.safeharborcu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1952,"state_legal_domicile":"MI","total_volunteers":7,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"1200 East Tinkham Ave PO Box 980, Ludington, MI, 49431, USA","city":"Ludington","state":"MI","country":"USA","zip_code":49431},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":29,"Total Gross UBI":19210,"Net unrelated business taxable income":1697,"Number of employees":29,"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":4822067,"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":4679199,"Total revenue":{"value":4659989,"Income on Loans":3393447,"Interchange Income":351107,"Non-Return Item Fees":105120,"Other Fees & Charges":723195,"Return Item Fees":87120},"Total other revenue":19210,"Unrelated business revenue":0},"Investment income":{"value":142868,"Investment income total":142868,"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":3585695,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1416313,"Current officers":399715,"Disqualified persons":0,"Other salaries and wages":701003,"Pension plan contributions":37546,"Other employee benefits":191959,"Payroll taxes":86090},"Other expenses":{"value":2169382,"Management services":0,"Legal":17162,"Accounting":20674,"Lobbying services":0,"Investment management fees":0,"Other services":68899,"Advertising":221168,"Office expenses":139779,"Information technology":163828,"Royalties":0,"Occupancy":126047,"Travel":302,"Conferences and meetings":18007,"Interest":555708,"Payments to affiliates":0,"Depreciation and depletion":101907,"Insurance":17286,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":650116,"Provision for Loan Losses":312943,"Loan Servicing":268567,"Postage and Shipping":34925,"Card/Check Losses":33681},"All other expenses":68499},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":90114212,"Non-interest bearing cash":869302,"Savings and temp cash investments":12066626,"Pledges and grants receivable":0,"Accounts receivable":1985,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":68461859,"Inventories for sale or use":0,"Prepaid expenses deferred charges":83976,"Land, building, equipment":3048339,"Investments publicly traded":2585944,"Investments other":2052046,"Investments program related":0,"Intangible assets":0,"Other assets":944135},"Liabilities":{"value":81381342,"Sum of Total Liabilities":0,"Accounts payable, accrued":438235,"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":0,"Other liabilities":80943107},"Fund balance":{"value":8732870,"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":0.2563987601167715,"percentile":0.8057107465151072},"Liabilities to Assets Ratio":{"score":0.9030910906705815,"percentile":0.0641586902052167},"Operating Reserve Ratio":{"score":25.1315887157162,"percentile":0.9590856097063634},"Officer Compensation Ratio":{"score":0.11146653577618844,"percentile":0.5153268765014918},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.17129692315587658,"percentile":0.871905071068194},"Asset Growth":{"score":0.10881017926534538,"percentile":0.7038908811669308},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6659965161467953,"percentile":0.7797096742389533}},"source_xml":"202141319349302244_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["ADAM JOHNSON","JULEE SARTO","TANGEE PETTIS","KATHY COUTURIER","DAVID KASLEY","ROBERT THOMPSON","CHRISTOPHER SIMPLER","CHRISTOPHER TOOMAN"],"Title":["CEO","Secretary","Director","Director","Chairman","Treasurer","Director","Director"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[192449,0,0,0,0,0,0,0],"Direct compensation":[159210,0,0,0,0,0,0,0],"Other compensation":[33239,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2024,"name":"Safe Harbor Credit Union","phone":2318432323,"website":"WWW.SAFEHARBORCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ADAM JOHNSON","year_formation":1952,"state_legal_domicile":"MI","total_volunteers":7,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"5511 W US HIGHWAY 10, LUDINGTON, MI, 49431, USA","city":"LUDINGTON","state":"MI","country":"USA","zip_code":49431},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":43,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":43,"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":10880980,"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":10361975,"Total revenue":{"value":10361975,"VARIOUS":10361975},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":519005,"Investment income total":519005,"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":8990637,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2553978,"Current officers":192449,"Disqualified persons":0,"Other salaries and wages":1737701,"Pension plan contributions":72118,"Other employee benefits":393993,"Payroll taxes":157717},"Other expenses":{"value":6436659,"Management services":0,"Legal":12064,"Accounting":4834,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":296913,"Office expenses":236587,"Information technology":299887,"Royalties":0,"Occupancy":200936,"Travel":59521,"Conferences and meetings":0,"Interest":3363757,"Payments to affiliates":7270,"Depreciation and depletion":200028,"Insurance":57616,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1675340,"PRO SERVICES":981167,"CREDIT LOSS EXPENSE":305218,"MISC":209549,"LOAN SERVICING EXPENSE":179406},"All other expenses":21906},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":172313288,"Non-interest bearing cash":355813,"Savings and temp cash investments":17722454,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":141786577,"Inventories for sale or use":0,"Prepaid expenses deferred charges":5704,"Land, building, equipment":5408963,"Investments publicly traded":3671077,"Investments other":776499,"Investments program related":0,"Intangible assets":0,"Other assets":2586201},"Liabilities":{"value":156964281,"Sum of Total Liabilities":0,"Accounts payable, accrued":535428,"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":0,"Other liabilities":156428853},"Fund balance":{"value":15349007,"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":0.17372911263507515,"percentile":0.728005031509092},"Liabilities to Assets Ratio":{"score":0.9109238342663394,"percentile":0.06284792038450887},"Operating Reserve Ratio":{"score":19.16585977167135,"percentile":0.9432351863554433},"Officer Compensation Ratio":{"score":0.021405491068096732,"percentile":0.9050390540485762},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.1793035799348626,"percentile":0.8794980529702947},"Asset Growth":{"score":0.14450753040246705,"percentile":0.7732743976649274},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6798068990779684,"percentile":0.8106813018122812}},"source_xml":"202531019349300333_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}