{"success":true,"data":{"_id":381629793,"filings":[{"Organization":{"value":null,"Person":["MILO PERREAULT","WILLIAM CAYEN","RICHARD MAIERLE","STEPHEN THOMAS","DOUGLAS SMITH","EDWARD CALLAGHAN","JAMES MCCANN","RICHARD SHOEMAKER","CHARLES THOMAS","TERESA DIMARIA","ELIZABETH ARGIRI","PETER GATES","ROBERT BREWER","SCOTT TOWNSEND","TODD GUNDERSON","MICHAEL ZALEWSKI","LORI DIETZ"],"Title":["CHAIRMAN","VICE CHAIRMAN","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","TREASURER","DIRECTOR","DIRECTOR","AUDIT COMMITTEE - AT LARGE","AUDIT COMMITTEE - AT LARGE","CEO","CFO","CIO","CHIEF LENDING OFFICER","VP HR","VP MARKETING & BUSINESS DEVELOPMENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,644996,305010,260751,180369,203740,182625],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,606938,264513,227773,158028,172084,151997],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,38058,40497,32978,22341,31656,30628]},"Basic":{"value":null,"mission":"Credit union operated for mutual purposes.","year":2014,"name":"MICHIGAN SCHOOLS & GOVERNMENT CREDIT UNION","phone":5862638800,"website":"WWW.MSGCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PETER GATES","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":11,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"40400 GARFIELD RD, CLINTON TOWNSHIP, MI, 48038, USA","city":"CLINTON TOWNSHIP","state":"MI","country":"USA","zip_code":48038},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":336,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":336,"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":69103677,"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":66126851,"Total revenue":{"value":66126851,"LOAN INCOME":53931215,"FEE INCOME":11974858,"SALE OF LOANS":220778},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2976826,"Investment income total":3381534,"Net investment gain":-404708,"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":56088998,"Grant expense":{"value":85686,"Grants to domestic orgs":43686,"Grants to domestic individuals":42000,"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":19165927,"Current officers":644996,"Disqualified persons":0,"Other salaries and wages":12186121,"Pension plan contributions":1090147,"Other employee benefits":4160590,"Payroll taxes":1084073},"Other expenses":{"value":36837385,"Management services":0,"Legal":0,"Accounting":196704,"Lobbying services":0,"Investment management fees":0,"Other services":1506758,"Advertising":972126,"Office expenses":1572332,"Information technology":1593603,"Royalties":0,"Occupancy":1489547,"Travel":81168,"Conferences and meetings":71376,"Interest":534861,"Payments to affiliates":0,"Depreciation and depletion":1979340,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":26099697,"PROVISION FOR LOAN LOSS":13500000,"DIVIDEND AND INTEREST E":7567624,"OPERATING EXPENSES":3186836,"LOAN SERVICING EXPENSE":1845237},"All other expenses":739873},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1543993714,"Non-interest bearing cash":4277270,"Savings and temp cash investments":66662051,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1165982116,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1027241,"Land, building, equipment":31630033,"Investments publicly traded":221950071,"Investments other":13622200,"Investments program related":0,"Intangible assets":0,"Other assets":38842732},"Liabilities":{"value":1376460570,"Sum of Total Liabilities":0,"Accounts payable, accrued":6448889,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":1533592,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1368478089},"Fund balance":{"value":167533144,"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":0.18833554978557798,"percentile":0.7442724498586518},"Liabilities to Assets Ratio":{"score":0.8914936359643755,"percentile":0.06605263891005567},"Operating Reserve Ratio":{"score":27.527568133771975,"percentile":0.9634833180720734},"Officer Compensation Ratio":{"score":0.03169054651323955,"percentile":0.8509460344500028},"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":0.6503433722777895,"percentile":0.7424889253483183}},"source_xml":"201531359349300633_public.xml"},{"Organization":{"value":null,"Person":["WILLIAM CAYEN","RICHARD MAIERLE","JAMES MCCANN","TERESA DIMARIA","EDWARD CALLAGHAN","RICHARD SHOEMAKER","DOUGLAS SMITH","CHARLES THOMAS","ELIZABETH ARGIRI","CHRISTINA AYAR","STEVE BREWER","PHILIP COOPER","DEBORAH FAHRNEY","VALLORIE MCBRIDE","BRYAN WIEGLAT","ANN JONES"],"Title":["CHAIRPERSON","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SECRETARY","VICE CHAIRPERSON","DIRECTOR","TREASURER","DIRECTOR","PRESIDENT/CEO","CLO","COO","CFO","CIO","VP MARKETING/BUSINESS DEVELOPMENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,5609,0,0,0,0,1515,1072,3383,0,771073,460015,452096,267488,360169,313122],"Direct compensation":[0,5609,0,0,0,0,1515,1072,3383,0,711644,406547,394784,235896,306073,264993],"Other compensation":[0,0,0,0,0,0,0,0,0,0,59429,53468,57312,31592,54096,48129]},"Basic":{"value":null,"mission":"Founded by educators, michigan schools and government credit union has been providing quality financial services for 69 years and welcomes everyone in michigan to bank with us. as a not-for-profit, we give back to our members through better rates, fewer fees, free financial education, grants, scholarships, and community support. we work with our members to personalize plans and offer products and services to help meet their financial goals and increase their financial knowledge. msgcu offers a full range of loan, deposit, checking, credit card, mortgage, and insurance products. with 22 branches in macomb, oakland, wayne and washtenaw counties, msgcu has more than 149,000 members, over 450 team members, $3.6 billion in assets, and earned a 95% or higher member satisfaction rating for over 20 years. msgcu has also earned five stars, as reported by bauer financial, for more than 30 years, and has been honored as a top workplace by the detroit free press for the past 11 years.","year":2023,"name":"MICHIGAN SCHOOLS AND GOVERNMENT CREDIT UNION","phone":5862638800,"website":"WWW.MSGCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEVE BREWER","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":10,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"40400 GARFIELD RD, CLINTON TOWNSHIP, MI, 48038, USA","city":"CLINTON TOWNSHIP","state":"MI","country":"USA","zip_code":48038},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":535,"Total Gross UBI":209715,"Net unrelated business taxable income":0,"Number of employees":535,"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":159278248,"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":151938120,"Total revenue":{"value":151938120,"INTEREST ON LOANS":134344503,"FEES, CHARGES AND OTHER":17383902,"FINANCE & INSURANCE":209715},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":7340128,"Investment income total":7242207,"Net investment gain":97921,"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":139729726,"Grant expense":{"value":153074,"Grants to domestic orgs":73074,"Grants to domestic individuals":80000,"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":41325031,"Current officers":782652,"Disqualified persons":0,"Other salaries and wages":30214682,"Pension plan contributions":2330101,"Other employee benefits":5603522,"Payroll taxes":2394074},"Other expenses":{"value":98251621,"Management services":0,"Legal":0,"Accounting":190496,"Lobbying services":0,"Investment management fees":0,"Other services":1987142,"Advertising":3869610,"Office expenses":3159636,"Information technology":0,"Royalties":0,"Occupancy":2396786,"Travel":132781,"Conferences and meetings":101472,"Interest":63728056,"Payments to affiliates":104162,"Depreciation and depletion":2818858,"Insurance":306069,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":14987233,"PROVISION FOR LOAN LOSS":4500000,"DEBIT/CREDIT CARD EXPEN":4402874,"LOAN SERVICING EXPENSE":3776749,"SOFTWARE LICENSING AND":2307610},"All other expenses":4469320},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3633913845,"Non-interest bearing cash":10401175,"Savings and temp cash investments":23212403,"Pledges and grants receivable":0,"Accounts receivable":2427065,"Receivables from officers":14780775,"Receivables from disqual persons":0,"Other net note and loans":3085379936,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2705977,"Land, building, equipment":67895339,"Investments publicly traded":343931271,"Investments other":22922700,"Investments program related":0,"Intangible assets":0,"Other assets":60257204},"Liabilities":{"value":3203075528,"Sum of Total Liabilities":0,"Accounts payable, accrued":30466396,"Grants payable":0,"Deferred, revenue":3844200,"Tax exempt bond liabilities":0,"Escrow account liability":5069544,"Loans from officers, directors":0,"Secured mortgages and notes payable":325000000,"Unsecured notes loans payable":0,"Other liabilities":2838695388},"Fund balance":{"value":430838317,"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":0.12273189996414326,"percentile":0.6600075122093783},"Liabilities to Assets Ratio":{"score":0.8814395895508634,"percentile":0.06765612479167793},"Operating Reserve Ratio":{"score":26.006734207723273,"percentile":0.9608203612624158},"Officer Compensation Ratio":{"score":0.018861713075999306,"percentile":0.9181894237348398},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.09576738454059117,"percentile":0.7541389604437587},"Asset Growth":{"score":0.10096222522728629,"percentile":0.685477316393534},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6512556216896817,"percentile":0.7447149548344597}},"source_xml":"202403099349300770_public.xml"},{"Organization":{"value":null,"Person":["WILLIAM CAYEN","RICHARD MAIERLE","JAMES MCCANN","TERESA DIMARIA","EDWARD CALLAGHAN","RICHARD SHOEMAKER","DOUGLAS SMITH","CHARLES THOMAS","ELIZABETH ARGIRI","DENISE BROOKS-WILLIAMS","CHRISTINA AYAR","PETER GATES","STEVE BREWER","PHILIP COOPER","DEBORAH FAHRNEY","KAREN HANELINE","ANN JONES"],"Title":["CHAIRMAN","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","VICE CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/CEO","CFO","CLO","CRO","VP HR","VP MARKETING/BUSINESS DEVELOPMENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,882612,410504,373806,341704,230791,248340],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,835439,360252,328150,297779,195856,208288],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,47173,50252,45656,43925,34935,40052]},"Basic":{"value":null,"mission":"Founded in 1954 by a small group of teachers, principals and other school employees, michigan schools and government credit union (msgcu) has been providing quality financial services to its members for more than 60 years. whether it is a checking or savings account, loan, ira, certificate of deposit, mortgage or credit card,msgcu wants to help its 132,000 members achieve their financial success.With 16 offices located throughout macomb, oakland, and wayne counties, providing full online banking and mobile services, with $2.8 billion in assets, $2.1 billion in loans, and a staff of 370 employees, msgcu is a valued resource for financial wellbeing for both consumers and businesses. at the end of 2020 our lending portfolio totaled approximately $2.1 billion. the consumer lending portion of the portfolio was just over $967 million. the mortgage portfolio was just under $992 million and the business loan portfolio was $128 million. member shares totaled over $2.386 billion.","year":2020,"name":"MICHIGAN SCHOOLS AND GOVERNMENT CREDIT UNION","phone":5862638800,"website":"WWW.MSGCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PETER GATES","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":9,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"40400 GARFIELD RD, CLINTON TOWNSHIP, MI, 48038, USA","city":"CLINTON TOWNSHIP","state":"MI","country":"USA","zip_code":48038},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":419,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":419,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":112129376,"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":105482706,"Total revenue":{"value":105482706,"INTEREST ON LOANS":88022158,"FEES, CHARGES AND OTHER":17460548},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":6646670,"Investment income total":6588605,"Net investment gain":58065,"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":86925206,"Grant expense":{"value":202403,"Grants to domestic orgs":97191,"Grants to domestic individuals":105212,"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":30910854,"Current officers":882612,"Disqualified persons":0,"Other salaries and wages":22089113,"Pension plan contributions":1841230,"Other employee benefits":4426070,"Payroll taxes":1671829},"Other expenses":{"value":55811949,"Management services":0,"Legal":0,"Accounting":229121,"Lobbying services":0,"Investment management fees":0,"Other services":2031026,"Advertising":2511971,"Office expenses":2740625,"Information technology":0,"Royalties":0,"Occupancy":1575537,"Travel":38330,"Conferences and meetings":4327,"Interest":25227584,"Payments to affiliates":81257,"Depreciation and depletion":3168413,"Insurance":233399,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":14705533,"PROVISION FOR LOAN LOSS":6500000,"LOAN SERVICING EXPENSE":3398569,"DEBIT/CREDIT CARD EXPEN":2987801,"SOFTWARE LICENSING AND":1819163},"All other expenses":3264826},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2777350124,"Non-interest bearing cash":11421826,"Savings and temp cash investments":279089482,"Pledges and grants receivable":0,"Accounts receivable":3203350,"Receivables from officers":13699637,"Receivables from disqual persons":0,"Other net note and loans":2069233024,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1742924,"Land, building, equipment":50786033,"Investments publicly traded":299658822,"Investments other":13425200,"Investments program related":0,"Intangible assets":0,"Other assets":35089826},"Liabilities":{"value":2457574063,"Sum of Total Liabilities":0,"Accounts payable, accrued":8394117,"Grants payable":0,"Deferred, revenue":1021265,"Tax exempt bond liabilities":0,"Escrow account liability":3577447,"Loans from officers, directors":0,"Secured mortgages and notes payable":60000000,"Unsecured notes loans payable":0,"Other liabilities":2384581234},"Fund balance":{"value":319776061,"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":0.22477758192465103,"percentile":0.779763868800058},"Liabilities to Assets Ratio":{"score":0.8848628920650985,"percentile":0.0671014186384545},"Operating Reserve Ratio":{"score":31.951032983459367,"percentile":0.9695145302620578},"Officer Compensation Ratio":{"score":0.028619512273574593,"percentile":0.8671835127594141},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.099456118893475,"percentile":0.7626421146906743},"Asset Growth":{"score":0.10921629320344933,"percentile":0.7048230822520969},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6730902113332229,"percentile":0.7959634292013231}},"source_xml":"202101379349306310_public.xml"},{"Organization":{"value":null,"Person":["WILLIAM CAYEN","RICHARD MAIERLE","JAMES MCCANN","TERESA DIMARIA","EDWARD CALLAGHAN","RICHARD SHOEMAKER","DOUGLAS SMITH","CHARLES THOMAS","ELIZABETH ARGIRI","DENISE BROOKS-WILLIAMS","CHRISTINA AYAR","PETER GATES","STEVE BREWER","PHILIP COOPER","DEBORAH FAHRNEY","KAREN HANELINE","BRYAN WIEGLAT","ANN JONES"],"Title":["CHAIRPERSON","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","VICE CHAIRPERSON","DIRECTOR","TREASURER","SECRETARY","DIRECTOR","PRESIDENT/CEO","PRESIDENT/CEO","CLO","CRO","VP HR","VP TECHNOLOGY","VP MARKETING/BUSINESS DEVELOPMENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,1029784,506155,443046,435153,315922,298777,290285],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,980279,453519,394961,381700,276416,251651,246972],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,49505,52636,48085,53453,39506,47126,43313]},"Basic":{"value":null,"mission":"Founded by educators, michigan schools and government credit union has been providing quality financial services for over 69 years and welcomes everyone in michigan to bank with us. as a not-for-profit, we give back to our members through better rates, fewer fees, free financial education, grants, scholarships, and community support. we work with our members to personalize plans and offer products and services to help meet their financial goals and increase their financial knowledge. msgcu offers a full range of loan, deposit, checking, credit card, mortgage, and insurance products. with 18 branches in macomb, oakland, wayne and washtenaw counties, msgcu has more than 145,000 members, over 400 team members, $3.4 billion in assets, and earned a 95% or higher member satisfaction rating for over 20 years. msgcu has also earned five stars, as reported by bauer financial, for more than 30 years, and has been honored as a top workplace by the detroit free press for the past 10 years.","year":2022,"name":"MICHIGAN SCHOOLS AND GOVERNMENT CREDIT UNION","phone":5862638800,"website":"WWW.MSGCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEVE BREWER","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":11,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"40400 GARFIELD RD, CLINTON TOWNSHIP, MI, 48038, USA","city":"CLINTON TOWNSHIP","state":"MI","country":"USA","zip_code":48038},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":482,"Total Gross UBI":203353,"Net unrelated business taxable income":0,"Number of employees":482,"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":126760665,"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":119536683,"Total revenue":{"value":119536683,"INTEREST ON LOANS":100307426,"FEES, CHARGES AND OTHER":19025904,"FINANCE & INSURANCE":203353},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":7223982,"Investment income total":7287084,"Net investment gain":-63102,"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":83153428,"Grant expense":{"value":154642,"Grants to domestic orgs":67142,"Grants to domestic individuals":87500,"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":37682798,"Current officers":1535939,"Disqualified persons":0,"Other salaries and wages":26567013,"Pension plan contributions":2414091,"Other employee benefits":5078749,"Payroll taxes":2087006},"Other expenses":{"value":45315988,"Management services":0,"Legal":0,"Accounting":235484,"Lobbying services":0,"Investment management fees":0,"Other services":2355859,"Advertising":3471730,"Office expenses":3067052,"Information technology":0,"Royalties":0,"Occupancy":2014918,"Travel":100142,"Conferences and meetings":80173,"Interest":17174010,"Payments to affiliates":93803,"Depreciation and depletion":2582370,"Insurance":292815,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":10381612,"DEBIT/CREDIT CARD EXPEN":3709944,"LOAN SERVICING EXPENSE":3389265,"SOFTWARE LICENSING AND":2081190,"ONLINE BANKING EXPENSE":1201213},"All other expenses":3466020},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3333677668,"Non-interest bearing cash":11855673,"Savings and temp cash investments":30272664,"Pledges and grants receivable":0,"Accounts receivable":4690959,"Receivables from officers":14430571,"Receivables from disqual persons":0,"Other net note and loans":2788112419,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2338891,"Land, building, equipment":60670144,"Investments publicly traded":360019755,"Investments other":17554900,"Investments program related":0,"Intangible assets":0,"Other assets":43731692},"Liabilities":{"value":2933284782,"Sum of Total Liabilities":0,"Accounts payable, accrued":22964536,"Grants payable":0,"Deferred, revenue":3844260,"Tax exempt bond liabilities":0,"Escrow account liability":5089470,"Loans from officers, directors":0,"Secured mortgages and notes payable":175000000,"Unsecured notes loans payable":0,"Other liabilities":2726386516},"Fund balance":{"value":400392886,"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":0.34401237166119314,"percentile":0.8597356786535251},"Liabilities to Assets Ratio":{"score":0.8798945411419422,"percentile":0.06789250991014907},"Operating Reserve Ratio":{"score":40.09068234685406,"percentile":0.9762670062339097},"Officer Compensation Ratio":{"score":0.03991563643052695,"percentile":0.8078090515138359},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.09115661036173818,"percentile":0.7428618942951428},"Asset Growth":{"score":0.10699155691325023,"percentile":0.6997376099261332},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6825496307456953,"percentile":0.8165094553757182}},"source_xml":"202322629349301517_public.xml"},{"Organization":{"value":null,"Person":["MILO PERREAULT","WILLIAM CAYEN","RICHARD MAIERLE","STEPHEN THOMAS","DOUGLAS SMITH","EDWARD CALLAGHAN","JAMES MCCANN","RICHARD SHOEMAKER","CHARLES THOMAS","TERESA DIMARIA","ELIZABETH ARGIRI","PETER GATES","ROBERT BREWER","SCOTT TOWNSEND","MICHAEL ZALEWSKI","LORIE DIETZ","DEBORAH FAHRNEY"],"Title":["CHAIRMAN","VICE CHAIRMAN","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CFO","CIO","VP HR","VP MARKETING & BUSINESS DEVELOPMENT","VP RETAIL SERVICES"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,665553,312862,257117,210804,200980,203166],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,619021,271772,225358,178016,167594,170231],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,46532,41090,31759,32788,33386,32935]},"Basic":{"value":null,"mission":"Credit union operated for mutual purposes.","year":2015,"name":"MICHIGAN SCHOOLS & GOVERNMENT CREDIT UNION","phone":5862638800,"website":"WWW.MSGCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PETER GATES","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":11,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"40400 GARFIELD RD, CLINTON TOWNSHIP, MI, 48038, USA","city":"CLINTON TOWNSHIP","state":"MI","country":"USA","zip_code":48038},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":349,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":349,"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":68673747,"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":65481844,"Total revenue":{"value":65481844,"LOAN INCOME":53724507,"FEE INCOME":11585997,"SALE OF LOANS":171340},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3191903,"Investment income total":3321369,"Net investment gain":-129466,"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":51943429,"Grant expense":{"value":112121,"Grants to domestic orgs":44621,"Grants to domestic individuals":67500,"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":21560225,"Current officers":665553,"Disqualified persons":0,"Other salaries and wages":13808415,"Pension plan contributions":1206262,"Other employee benefits":4739947,"Payroll taxes":1140048},"Other expenses":{"value":30271083,"Management services":0,"Legal":0,"Accounting":197750,"Lobbying services":0,"Investment management fees":0,"Other services":1238226,"Advertising":1244384,"Office expenses":1619121,"Information technology":1933264,"Royalties":0,"Occupancy":1606937,"Travel":87095,"Conferences and meetings":84190,"Interest":336005,"Payments to affiliates":0,"Depreciation and depletion":2917883,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":18273040,"DIVIDEND AND INTEREST E":7702713,"PROVISION FOR LOAN LOSS":5425000,"OPERATING EXPENSES":3455934,"LOAN SERVICING EXPENSE":1689393},"All other expenses":733188},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1556767455,"Non-interest bearing cash":4643396,"Savings and temp cash investments":112616720,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1145562189,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1017723,"Land, building, equipment":33143437,"Investments publicly traded":199900816,"Investments other":13024400,"Investments program related":0,"Intangible assets":0,"Other assets":46858774},"Liabilities":{"value":1373220595,"Sum of Total Liabilities":0,"Accounts payable, accrued":7576152,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":1703414,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1363941029},"Fund balance":{"value":183546860,"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":0.24362028767703617,"percentile":0.7957838692932633},"Liabilities to Assets Ratio":{"score":0.8820974453117663,"percentile":0.06754899358114032},"Operating Reserve Ratio":{"score":29.970440630709998,"percentile":0.9670985289977748},"Officer Compensation Ratio":{"score":0.035624948826539736,"percentile":0.8300908355217242},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.08597737791190554,"percentile":0.7293011382613664},"Asset Growth":{"score":0.03793821515993427,"percentile":0.478900434475796},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6561983793242939,"percentile":0.7567176354291262}},"source_xml":"201641349349304829_public.xml"},{"Organization":{"value":null,"Person":["MILO PERREAULT","WILLIAM CAYEN","RICHARD MAIERLE","STEPHEN THOMAS","DOUGLAS SMITH","EDWARD CALLAHAN","JAMES MCCANN","RICHARD SHOEMAKER","CHARLES THOMAS","TERESA DIMARIA","ELIZABETH ARGIRI","PETER GATES","LISA BURROUGHS","ROBERT BREWER","SCOTT TOWNSEND","TODD GUNDERSON","MICHAEL ZALEWSKI"],"Title":["CHAIRMAN","VICE CHAIRMAN","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","TREASURER","DIRECTOR","DIRECTOR","AUDIT COMMITTEE - AT LARGE","AUDIT COMMITTEE - AT LARGE","CEO","COO","CFO","CIO","CHIEF LENDING OFFICER","VP HR"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,651341,435838,300023,260522,269935,186120],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,603771,407725,260472,228735,219704,154083],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,47570,28113,39551,31787,50231,32037]},"Basic":{"value":null,"mission":"Credit union operated for mutual purposes.","year":2013,"name":"MICHIGAN SCHOOLS & GOVERNMENT CREDIT UNION","phone":5862638800,"website":"WWW.MSGCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PETER GATES","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":11,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"40400 GARFIELD RD, CLINTON TOWNSHIP, MI, 48038, USA","city":"CLINTON TOWNSHIP","state":"MI","country":"USA","zip_code":48038},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":297,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":297,"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":57481828,"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":51715939,"Total revenue":{"value":51715939,"LOAN INCOME":41580527,"FEE INCOME":10135412},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":5765889,"Investment income total":4688960,"Net investment gain":1076929,"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":42774379,"Grant expense":{"value":97309,"Grants to domestic orgs":50309,"Grants to domestic individuals":47000,"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":16790013,"Current officers":651341,"Disqualified persons":0,"Other salaries and wages":10509678,"Pension plan contributions":968976,"Other employee benefits":3688218,"Payroll taxes":971800},"Other expenses":{"value":25887057,"Management services":0,"Legal":0,"Accounting":199872,"Lobbying services":0,"Investment management fees":0,"Other services":1536925,"Advertising":1435666,"Office expenses":1338644,"Information technology":1149809,"Royalties":0,"Occupancy":1538966,"Travel":73154,"Conferences and meetings":73565,"Interest":115033,"Payments to affiliates":0,"Depreciation and depletion":1443709,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":15421912,"DIVIDEND AND INTEREST E":6456932,"PROVISION FOR LOAN LOSS":4750000,"OPERATING EXPENSES":2659833,"LOAN SERVICING EXPENSE":1555147},"All other expenses":1559802},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1441874463,"Non-interest bearing cash":3786194,"Savings and temp cash investments":208850,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1006635339,"Inventories for sale or use":0,"Prepaid expenses deferred charges":788735,"Land, building, equipment":19970548,"Investments publicly traded":360049256,"Investments other":13710400,"Investments program related":0,"Intangible assets":0,"Other assets":36725141},"Liabilities":{"value":1287355998,"Sum of Total Liabilities":0,"Accounts payable, accrued":6322222,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":1439897,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1279593879},"Fund balance":{"value":154518465,"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":0.2558625832149945,"percentile":0.8053072149207233},"Liabilities to Assets Ratio":{"score":0.892835008202791,"percentile":0.06584022004709676},"Operating Reserve Ratio":{"score":33.7088345104905,"percentile":0.9713394145294335},"Officer Compensation Ratio":{"score":0.049183157048288184,"percentile":0.7608523760382545},"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":0.6578548882754661,"percentile":0.7606823317333892}},"source_xml":"201421359349306382_public.xml"},{"Organization":{"value":null,"Person":["WILLIAM CAYEN","RICHARD MAIERLE","JAMES MCCANN","TERESA DIMARIA","EDWARD CALLAGHAN","RICHARD SHOEMAKER","DOUGLAS SMITH","CHARLES THOMAS","ELIZABETH ARGIRI","CHRISTINA AYAR","WANDA COOK-ROBINSON","STEVE BREWER","PHILIP COOPER","DEBORAH FAHRNEY","VALLORIE MCBRIDE","BRYAN WIELGAT","CHARUMATHI HARI"],"Title":["VICE CHAIRPERSON","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CHAIRPERSON","DIRECTOR","TREASURER","SECRETARY","DIRECTOR","PRESIDENT/CEO","CLO","COO","CFO","CIO","MORTGAGE CONSULTANT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,3981,0,649,864,0,1076,0,0,0,0,853827,471454,492727,330144,395652,595071],"Direct compensation":[0,3981,0,649,864,0,1076,0,0,0,0,791206,415111,433095,289393,338563,560739],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,62621,56343,59632,40751,57089,34332]},"Basic":{"value":null,"mission":"Founded by educators, michigan schools and government credit union has been providing quality financial services for 70 years and welcomes everyone in michigan to bank with us. as a not-for-profit, we give back to our members through better rates, fewer fees, free financial education, grants, scholarships, and community support. we work with our members to personalize plans and offer products and services to help meet their financial goals and increase their financial knowledge. msgcu offers a full range of loan, deposit, checking, credit card, mortgage, and insurance products. with 22 branches in macomb, oakland, wayne and washtenaw counties, msgcu has more than 152,000 members, over 455 team members, $3.9 billion in assets, and earned a 95% or higher member satisfaction rating for over 20 years. msgcu has also earned five stars, as reported by bauer financial, for more than 30 years, and has been honored as a top workplace by the detroit free press for the past 12 years.","year":2024,"name":"MICHIGAN SCHOOLS AND GOVERNMENT CREDIT UNION","phone":5862638800,"website":"WWW.MSGCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEVE BREWER","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":11,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"40400 GARFIELD RD, CLINTON TOWNSHIP, MI, 48038, USA","city":"CLINTON TOWNSHIP","state":"MI","country":"USA","zip_code":48038},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":525,"Total Gross UBI":163402,"Net unrelated business taxable income":0,"Number of employees":525,"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":201599156,"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":189193019,"Total revenue":{"value":189193019,"INTEREST ON LOANS":168237554,"FEES, CHARGES AND OTHER":20792063,"FINANCE & INSURANCE":163402},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":8790361,"Investment income total":8361351,"Net investment gain":429010,"Income from invest bond proceeds":0},"Other revenues":{"value":3615776,"Other total":3615776,"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":177058948,"Grant expense":{"value":155575,"Grants to domestic orgs":73075,"Grants to domestic individuals":82500,"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":46325203,"Current officers":860397,"Disqualified persons":0,"Other salaries and wages":33681860,"Pension plan contributions":2730687,"Other employee benefits":6613490,"Payroll taxes":2438769},"Other expenses":{"value":130578170,"Management services":0,"Legal":0,"Accounting":215924,"Lobbying services":0,"Investment management fees":0,"Other services":1956203,"Advertising":3516444,"Office expenses":2748618,"Information technology":0,"Royalties":0,"Occupancy":3470463,"Travel":124114,"Conferences and meetings":98167,"Interest":89271725,"Payments to affiliates":117277,"Depreciation and depletion":3451628,"Insurance":319687,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":20829862,"PROVISION FOR LOAN LOSS":9150000,"DEBIT/CREDIT CARD EXPEN":4498370,"LOAN SERVICING EXPENSE":4494700,"SOFTWARE LICENSING AND":2686792},"All other expenses":4458058},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3895584180,"Non-interest bearing cash":11254713,"Savings and temp cash investments":44842335,"Pledges and grants receivable":0,"Accounts receivable":3102939,"Receivables from officers":15140624,"Receivables from disqual persons":0,"Other net note and loans":3337509476,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2864727,"Land, building, equipment":74677158,"Investments publicly traded":317820742,"Investments other":18981531,"Investments program related":0,"Intangible assets":0,"Other assets":69389935},"Liabilities":{"value":3431123783,"Sum of Total Liabilities":0,"Accounts payable, accrued":23250471,"Grants payable":0,"Deferred, revenue":3862040,"Tax exempt bond liabilities":0,"Escrow account liability":4934786,"Loans from officers, directors":0,"Secured mortgages and notes payable":175000000,"Unsecured notes loans payable":0,"Other liabilities":3224076486},"Fund balance":{"value":464460397,"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":0.12172773183633764,"percentile":0.6584539155710003},"Liabilities to Assets Ratio":{"score":0.8807725939065704,"percentile":0.06775833984723868},"Operating Reserve Ratio":{"score":22.001622758992106,"percentile":0.951810727773142},"Officer Compensation Ratio":{"score":0.017764959272208034,"percentile":0.9237302000882031},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10234953878959077,"percentile":0.7691773816992926},"Asset Growth":{"score":0.09504041808425454,"percentile":0.6704692994642016},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6513197482574341,"percentile":0.7448787422883407}},"source_xml":"202502599349301155_public.xml"},{"Organization":{"value":null,"Person":["WILLIAM CAYEN","MILO PERREAULT","RICHARD MAIERLE","JAMES MCCANN","ELIZABETH ARGIRI","TERESA DIMARIA","EDWARD CALLAGHAN","RICHARD SHOEMAKER","DOUGLAS SMITH","CHARLES THOMAS","STEPHEN THOMAS","PETER GATES","STEVE BREWER","PHILIP COOPER","SCOTT TOWNSEND","DEBORAH FAHRNEY","MICHAEL ZALEWSKI"],"Title":["CHAIRMAN","VICE CHAIRMAN","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/CEO","CFO","CLO","CIO","VP RETAIL SERVICES","VP HR"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,714682,325968,277581,271451,228773,222183],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,669052,281943,234729,238150,193447,187389],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,45630,44025,42852,33301,35326,34794]},"Basic":{"value":null,"mission":"Credit union operated for mutual purposes.","year":2016,"name":"MICHIGAN SCHOOLS AND GOVERNMENT CREDIT UNION","phone":5862638800,"website":"WWW.MSGCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PETER GATES","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":11,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"40400 GARFIELD RD, CLINTON TOWNSHIP, MI, 48038, USA","city":"CLINTON TOWNSHIP","state":"MI","country":"USA","zip_code":48038},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":382,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":382,"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":75254277,"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":66098068,"Total revenue":{"value":66098068,"INTEREST ON LOANS":53415345,"FEES, CHARGES AND OTHER":12682723},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9156209,"Investment income total":8401787,"Net investment gain":754422,"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":53187529,"Grant expense":{"value":123125,"Grants to domestic orgs":18000,"Grants to domestic individuals":105125,"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":22024911,"Current officers":714682,"Disqualified persons":15193323,"Other salaries and wages":0,"Pension plan contributions":1917631,"Other employee benefits":2942617,"Payroll taxes":1256658},"Other expenses":{"value":31039493,"Management services":0,"Legal":0,"Accounting":214836,"Lobbying services":0,"Investment management fees":0,"Other services":1656751,"Advertising":1492603,"Office expenses":2069075,"Information technology":0,"Royalties":0,"Occupancy":1695761,"Travel":69893,"Conferences and meetings":89261,"Interest":8364823,"Payments to affiliates":66939,"Depreciation and depletion":2688034,"Insurance":211263,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":9513525,"PROVISION FOR LOAN LOSS":3450000,"DEBIT/CREDIT CARD EXPEN":2966120,"LOAN SERVICING EXPENSE":2242277,"SOFTWARE LICENSING AND":855128},"All other expenses":2906729},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1674185767,"Non-interest bearing cash":6622577,"Savings and temp cash investments":42700641,"Pledges and grants receivable":0,"Accounts receivable":3137006,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1245401085,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1586939,"Land, building, equipment":36172753,"Investments publicly traded":304769778,"Investments other":11024400,"Investments program related":0,"Intangible assets":0,"Other assets":22770588},"Liabilities":{"value":1468573051,"Sum of Total Liabilities":0,"Accounts payable, accrued":11494167,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":2020616,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1455058268},"Fund balance":{"value":205612716,"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":0.2932291542711918,"percentile":0.8311244733963644},"Liabilities to Assets Ratio":{"score":0.8771864388929547,"percentile":0.06830116529260136},"Operating Reserve Ratio":{"score":31.477036036022653,"percentile":0.96897211726387},"Officer Compensation Ratio":{"score":0.038366850996217554,"percentile":0.8158176588864626},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07820298998797949,"percentile":0.707222389735742},"Asset Growth":{"score":0.04566369901597361,"percentile":0.5098573606177143},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6618237120838263,"percentile":0.7700682127749015}},"source_xml":"201721359349305107_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["WILLIAM CAYEN","RICHARD MAIERLE","JAMES MCCANN","TERESA DIMARIA","EDWARD CALLAGHAN","RICHARD SHOEMAKER","DOUGLAS SMITH","CHARLES THOMAS","ELIZABETH ARGIRI","CHRISTINA AYAR","WANDA COOK-ROBINSON","STEVE BREWER","PHILIP COOPER","DEBORAH FAHRNEY","VALLORIE MCBRIDE","BRYAN WIELGAT","CHARUMATHI HARI"],"Title":["VICE CHAIRPERSON","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CHAIRPERSON","DIRECTOR","TREASURER","SECRETARY","DIRECTOR","PRESIDENT/CEO","CLO","COO","CFO","CIO","MORTGAGE CONSULTANT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,3981,0,649,864,0,1076,0,0,0,0,853827,471454,492727,330144,395652,595071],"Direct compensation":[0,3981,0,649,864,0,1076,0,0,0,0,791206,415111,433095,289393,338563,560739],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,62621,56343,59632,40751,57089,34332]},"Basic":{"value":null,"mission":"Founded by educators, michigan schools and government credit union has been providing quality financial services for 70 years and welcomes everyone in michigan to bank with us. as a not-for-profit, we give back to our members through better rates, fewer fees, free financial education, grants, scholarships, and community support. we work with our members to personalize plans and offer products and services to help meet their financial goals and increase their financial knowledge. msgcu offers a full range of loan, deposit, checking, credit card, mortgage, and insurance products. with 22 branches in macomb, oakland, wayne and washtenaw counties, msgcu has more than 152,000 members, over 455 team members, $3.9 billion in assets, and earned a 95% or higher member satisfaction rating for over 20 years. msgcu has also earned five stars, as reported by bauer financial, for more than 30 years, and has been honored as a top workplace by the detroit free press for the past 12 years.","year":2024,"name":"MICHIGAN SCHOOLS AND GOVERNMENT CREDIT UNION","phone":5862638800,"website":"WWW.MSGCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEVE BREWER","year_formation":1954,"state_legal_domicile":"MI","total_volunteers":11,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"40400 GARFIELD RD, CLINTON TOWNSHIP, MI, 48038, USA","city":"CLINTON TOWNSHIP","state":"MI","country":"USA","zip_code":48038},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":525,"Total Gross UBI":163402,"Net unrelated business taxable income":0,"Number of employees":525,"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":201599156,"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":189193019,"Total revenue":{"value":189193019,"INTEREST ON LOANS":168237554,"FEES, CHARGES AND OTHER":20792063,"FINANCE & INSURANCE":163402},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":8790361,"Investment income total":8361351,"Net investment gain":429010,"Income from invest bond proceeds":0},"Other revenues":{"value":3615776,"Other total":3615776,"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":177058948,"Grant expense":{"value":155575,"Grants to domestic orgs":73075,"Grants to domestic individuals":82500,"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":46325203,"Current officers":860397,"Disqualified persons":0,"Other salaries and wages":33681860,"Pension plan contributions":2730687,"Other employee benefits":6613490,"Payroll taxes":2438769},"Other expenses":{"value":130578170,"Management services":0,"Legal":0,"Accounting":215924,"Lobbying services":0,"Investment management fees":0,"Other services":1956203,"Advertising":3516444,"Office expenses":2748618,"Information technology":0,"Royalties":0,"Occupancy":3470463,"Travel":124114,"Conferences and meetings":98167,"Interest":89271725,"Payments to affiliates":117277,"Depreciation and depletion":3451628,"Insurance":319687,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":20829862,"PROVISION FOR LOAN LOSS":9150000,"DEBIT/CREDIT CARD EXPEN":4498370,"LOAN SERVICING EXPENSE":4494700,"SOFTWARE LICENSING AND":2686792},"All other expenses":4458058},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":3895584180,"Non-interest bearing cash":11254713,"Savings and temp cash investments":44842335,"Pledges and grants receivable":0,"Accounts receivable":3102939,"Receivables from officers":15140624,"Receivables from disqual persons":0,"Other net note and loans":3337509476,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2864727,"Land, building, equipment":74677158,"Investments publicly traded":317820742,"Investments other":18981531,"Investments program related":0,"Intangible assets":0,"Other assets":69389935},"Liabilities":{"value":3431123783,"Sum of Total Liabilities":0,"Accounts payable, accrued":23250471,"Grants payable":0,"Deferred, revenue":3862040,"Tax exempt bond liabilities":0,"Escrow account liability":4934786,"Loans from officers, directors":0,"Secured mortgages and notes payable":175000000,"Unsecured notes loans payable":0,"Other liabilities":3224076486},"Fund balance":{"value":464460397,"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":0.12172773183633764,"percentile":0.6584539155710003},"Liabilities to Assets Ratio":{"score":0.8807725939065704,"percentile":0.06775833984723868},"Operating Reserve Ratio":{"score":22.001622758992106,"percentile":0.951810727773142},"Officer Compensation Ratio":{"score":0.017764959272208034,"percentile":0.9237302000882031},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10234953878959077,"percentile":0.7691773816992926},"Asset Growth":{"score":0.09504041808425454,"percentile":0.6704692994642016},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6513197482574341,"percentile":0.7448787422883407}},"source_xml":"202502599349301155_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}