{"success":true,"data":{"_id":381652510,"filings":[{"Organization":{"value":null,"Person":["LANA FORREST","GLENN WALLIS","JOLENE DEPLONTY","SUSAN WILLIAMS","KURT BUNKER","SABRINA OSHELSKI"],"Title":["CHAIRPERSON","VICE-CHAIRPE","TREASURER","SECRETARY","BOARD MEMBER","MANAGER/CEO"],"Hours":[40.0,0,0,0,0,0],"Total Compensation":[0,0,0,0,0,83761],"Direct compensation":[0,0,0,0,0,79522],"Other compensation":[0,0,0,0,0,4239]},"Basic":{"value":null,"mission":"Promote thrift among its members and to create a source of credit for them at legitimate rates of interest for provident purposes.","year":2016,"name":"FEDERAL EMPLOYEES OF CC CREDIT UNION","phone":9066324210,"website":"WWW.FECCCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SABRINA OSHELSKI","year_formation":1957,"state_legal_domicile":"MI","total_volunteers":null,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"119 WATER STREET, SAULT STE MARIE, MI, 49783, USA","city":"SAULT STE MARIE","state":"MI","country":"USA","zip_code":49783},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":0,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":5,"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":445417,"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":434924,"Total revenue":{"value":434924,"INTEREST ON LOANS":390230,"FEE INCOME":40318,"INSURANCE SALES TO MEMBERS":4376},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9725,"Investment income total":9725,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":768,"Other total":768,"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":386619,"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":191785,"Current officers":79522,"Disqualified persons":0,"Other salaries and wages":92777,"Pension plan contributions":3931,"Other employee benefits":1676,"Payroll taxes":13879},"Other expenses":{"value":194834,"Management services":0,"Legal":194,"Accounting":11100,"Lobbying services":0,"Investment management fees":0,"Other services":43986,"Advertising":8826,"Office expenses":19044,"Information technology":36320,"Royalties":0,"Occupancy":2490,"Travel":6261,"Conferences and meetings":3743,"Interest":24586,"Payments to affiliates":0,"Depreciation and depletion":6480,"Insurance":11379,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":18201,"PROVISION FOR LOAN LOSS":6000,"MISCELLANEOUS":5631,"BANK SERVICE CHARGES":3690,"ASSOCIATION DUES":2880},"All other expenses":2224},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":10743858,"Non-interest bearing cash":284081,"Savings and temp cash investments":1095594,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":170501,"Receivables from disqual persons":0,"Other net note and loans":9031888,"Inventories for sale or use":0,"Prepaid expenses deferred charges":33002,"Land, building, equipment":10344,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":118448},"Liabilities":{"value":9832830,"Sum of Total Liabilities":0,"Accounts payable, accrued":84578,"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":9748252},"Fund balance":{"value":911028,"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":0.13200663647772762,"percentile":0.6737826134540287},"Liabilities to Assets Ratio":{"score":0.9152047616414886,"percentile":0.06214347634428161},"Operating Reserve Ratio":{"score":27.789265400820963,"percentile":0.9639073055795988},"Officer Compensation Ratio":{"score":0.21664998357556148,"percentile":0.2872676426963581},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.031848181601999086,"percentile":0.5237144550542562},"Asset Growth":{"score":0.042330236167628515,"percentile":0.4966784203439079},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5019436318577515,"percentile":0.32636240064011096}},"source_xml":"201742499349300704_public.xml"},{"Organization":{"value":null,"Person":["SABRINA OSHELSKI","KALI BROSCO","JOLENE DEPLONTY","APRIL JONES","GLENN WALLIS","SUSAN WILLIAMS"],"Title":["MANAGER/CEO","CHAIRPERSON","TREASURER","CHAIRPERSON","VICE-CHAIRPE","SECRETARY"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[91812,0,0,0,0,0],"Direct compensation":[87316,0,0,0,0,0],"Other compensation":[4496,0,0,0,0,0]},"Basic":{"value":null,"mission":"Promote thrift among its members and to create a source of credit for them at legitimate rates of interest for provident purposes.","year":2019,"name":"FEDERAL EMPLOYEES OF CHIPPEWA COUNTY CREDIT UNION","phone":9066324210,"website":"WWW.FECCCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SABRINA OSHELSKI","year_formation":1957,"state_legal_domicile":"MI","total_volunteers":null,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"119 WATER STREET, SAULT STE MARIE, MI, 49783, USA","city":"SAULT STE MARIE","state":"MI","country":"USA","zip_code":49783},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":0,"Number of employees total":5,"Total Gross UBI":2316,"Net unrelated business taxable income":1316,"Number of employees":5,"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":502661,"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":434633,"Total revenue":{"value":434633,"INTEREST ON LOANS":398385,"FEE INCOME":34647,"INSURANCE SALES TO MEMBERS":1601},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":65483,"Investment income total":65483,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2545,"Other total":2545,"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":401253,"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":219185,"Current officers":90762,"Disqualified persons":0,"Other salaries and wages":108146,"Pension plan contributions":2407,"Other employee benefits":2170,"Payroll taxes":15700},"Other expenses":{"value":182068,"Management services":0,"Legal":-617,"Accounting":14400,"Lobbying services":0,"Investment management fees":0,"Other services":45668,"Advertising":5717,"Office expenses":19145,"Information technology":36744,"Royalties":0,"Occupancy":3232,"Travel":8650,"Conferences and meetings":4000,"Interest":24022,"Payments to affiliates":0,"Depreciation and depletion":3293,"Insurance":12423,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":17391,"MISCELLANEOUS":5939,"TELEPHONE":4395,"BANK SERVICE CHARGES":4375,"ASSOCIATION DUES":2682},"All other expenses":-12000},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":12019947,"Non-interest bearing cash":337777,"Savings and temp cash investments":3008125,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":96106,"Receivables from disqual persons":0,"Other net note and loans":8426138,"Inventories for sale or use":0,"Prepaid expenses deferred charges":26683,"Land, building, equipment":5171,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":119947},"Liabilities":{"value":10900063,"Sum of Total Liabilities":0,"Accounts payable, accrued":56972,"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":10843091},"Fund balance":{"value":1119884,"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":0.20174232733392883,"percentile":0.7580424560074136},"Liabilities to Assets Ratio":{"score":0.9068312031658708,"percentile":0.06352573525194474},"Operating Reserve Ratio":{"score":29.95603023528796,"percentile":0.9670815533301713},"Officer Compensation Ratio":{"score":0.22881324251781296,"percentile":0.26920310009977794},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.039201283662853206,"percentile":0.5586453634264139},"Asset Growth":{"score":0.03479982249440695,"percentile":0.4659087755027087},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5184680881250056,"percentile":0.36930931090678454}},"source_xml":"202022869349300602_public.xml"},{"Organization":{"value":null,"Person":["LANA FORREST","GLENN WALLIS","JOLENE DEPLONTY","SUSAN WILLIAMS","KALI BROSCO","SABRINA OSHELSKI"],"Title":["CHAIRPERSON","VICE-CHAIRPE","TREASURER","SECRETARY","BOARD MEMBER","MANAGER/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,91752],"Direct compensation":[0,0,0,0,0,87450],"Other compensation":[0,0,0,0,0,4302]},"Basic":{"value":null,"mission":"Promote thrift among its members and to create a source of credit for them at legitimate rates of interest for provident purposes.","year":2017,"name":"FEDERAL EMPLOYEES OF CC CREDIT UNION","phone":9066324210,"website":"WWW.FECCCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SABRINA OSHELSKI","year_formation":1957,"state_legal_domicile":"MI","total_volunteers":5,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"119 WATER STREET, SAULT STE MARIE, MI, 49783, USA","city":"SAULT STE MARIE","state":"MI","country":"USA","zip_code":49783},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":0,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":5,"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":461729,"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":442225,"Total revenue":{"value":442225,"INTEREST ON LOANS":401125,"FEE INCOME":39422,"INSURANCE SALES TO MEMBERS":1678},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":16752,"Investment income total":16752,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2752,"Other total":2752,"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":400041,"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":202286,"Current officers":87450,"Disqualified persons":0,"Other salaries and wages":94427,"Pension plan contributions":3962,"Other employee benefits":2030,"Payroll taxes":14417},"Other expenses":{"value":197755,"Management services":0,"Legal":776,"Accounting":9300,"Lobbying services":0,"Investment management fees":0,"Other services":43865,"Advertising":5864,"Office expenses":19038,"Information technology":38771,"Royalties":0,"Occupancy":4735,"Travel":8317,"Conferences and meetings":4000,"Interest":23567,"Payments to affiliates":0,"Depreciation and depletion":5706,"Insurance":11776,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":19204,"MISCELLANEOUS":6043,"PROVISION FOR LOAN LOSS":6000,"BANK SERVICE CHARGES":4298,"ASSOCIATION DUES":2863},"All other expenses":2836},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":10779389,"Non-interest bearing cash":48380,"Savings and temp cash investments":1516981,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":145594,"Receivables from disqual persons":0,"Other net note and loans":8921613,"Inventories for sale or use":0,"Prepaid expenses deferred charges":21920,"Land, building, equipment":7053,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":117848},"Liabilities":{"value":9806673,"Sum of Total Liabilities":0,"Accounts payable, accrued":67376,"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":9739297},"Fund balance":{"value":972716,"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":0.1336021779008899,"percentile":0.6760707191157196},"Liabilities to Assets Ratio":{"score":0.9097614901920693,"percentile":0.06303678267153694},"Operating Reserve Ratio":{"score":26.94571056466712,"percentile":0.9625272242216909},"Officer Compensation Ratio":{"score":0.22935649095967664,"percentile":0.2684397476590281},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.036017827065539805,"percentile":0.5436970915080165},"Asset Growth":{"score":0.027953232332115947,"percentile":0.4374465035730637},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.49946175363726797,"percentile":0.32024726905919004}},"source_xml":"201823179349306137_public.xml"},{"Organization":{"value":null,"Person":["SABRINA OSHELSKI","JOLENE DEPLONTY","BOBBIE LIVERMORE","DESIREE MCCURLEY","KALI PERRON","SUSAN WILLIAMS","BRAD BISDORF"],"Title":["MANAGER/CEO","TREASURER","VICE-CHAIRPE","DIRECTOR","CHAIRPERSON","SECRETARY","VP OF FINANC"],"Hours":[40.0,40.0,0,0,0,0,0],"Total Compensation":[120889,0,0,0,0,0,0],"Direct compensation":[116946,0,0,0,0,0,0],"Other compensation":[3943,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Promote thrift among its members and to create a source of credit for them at legitimate rates of interest for provident purposes.","year":2023,"name":"FEDERAL EMPLOYEES OF CHIPPEWA COUNTY CREDIT UNION","phone":9066324210,"website":"WWW.FECCCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"BRAD BISDORF","year_formation":1957,"state_legal_domicile":"MI","total_volunteers":null,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"119 WATER STREET, SAULT STE MARIE, MI, 49783, USA","city":"SAULT STE MARIE","state":"MI","country":"USA","zip_code":49783},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":0,"Number of employees total":4,"Total Gross UBI":2423,"Net unrelated business taxable income":1423,"Number of employees":4,"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":777802,"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":524808,"Total revenue":{"value":524808,"INTEREST ON LOANS":474797,"FEE INCOME":48901,"INSURANCE SALES TO MEMBERS":1110},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":235024,"Investment income total":235024,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":17970,"Other total":17970,"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":441529,"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":211411,"Current officers":0,"Disqualified persons":116946,"Other salaries and wages":69239,"Pension plan contributions":7395,"Other employee benefits":2338,"Payroll taxes":15493},"Other expenses":{"value":230118,"Management services":0,"Legal":2029,"Accounting":16500,"Lobbying services":0,"Investment management fees":0,"Other services":25924,"Advertising":6832,"Office expenses":15428,"Information technology":60102,"Royalties":0,"Occupancy":4181,"Travel":0,"Conferences and meetings":3140,"Interest":41241,"Payments to affiliates":0,"Depreciation and depletion":2627,"Insurance":14114,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":30943,"PROVISION FOR LOAN LOSS":10530,"MISCELLANEOUS":9670,"BANK SERVICE CHARGES":5779,"TELEPHONE":4964},"All other expenses":7057},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":0,"Non-interest bearing cash":0,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":0,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"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":0},"Fund balance":{"value":0,"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":0.4323375357738859,"percentile":0.8970963863745723},"Liabilities to Assets Ratio":{"score":null,"percentile":null},"Operating Reserve Ratio":{"score":0.0,"percentile":0.01998217959084195},"Officer Compensation Ratio":{"score":0.2737962851817208,"percentile":0.21339290380147563},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.05856091072810546,"percentile":0.6406367454857439},"Asset Growth":{"score":-0.020463182243815426,"percentile":0.24429948522874811},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.503719521122197,"percentile":0.3307518644071864}},"source_xml":"202403199349310360_public.xml"},{"Organization":{"value":null,"Person":["LANA FORREST","GLENN WALLIS","JOLENE DEPLONTY","SUSAN WILLIAMS","KURT BUNKER","SABRINA OSHELSKI"],"Title":["CHAIRPERSON","VICE-CHAIRPE","TREASURER","SECRETARY","BOARD MEMBER","MANAGER/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,71928],"Direct compensation":[0,0,0,0,0,68193],"Other compensation":[0,0,0,0,0,3735]},"Basic":{"value":null,"mission":"Promote thrift among its members and to create a source of credit for them at legitimate rates of interest for provident purposes.","year":2014,"name":"FEDERAL EMPLOYEES OF CC CREDIT UNION","phone":9066324210,"website":"WWW.FECCCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SABRINA OSHELSKI","year_formation":1957,"state_legal_domicile":"MI","total_volunteers":null,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"119 WATER STREET, SAULT STE MARIE, MI, 49783, USA","city":"SAULT STE MARIE","state":"MI","country":"USA","zip_code":49783},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":0,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":6,"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":418185,"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":388238,"Total revenue":{"value":388238,"INTEREST ON LOANS":343320,"FEE INCOME":41402,"INSURANCE SALES TO MEMBERS":3516},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":28955,"Investment income total":28955,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":992,"Other total":992,"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":377944,"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":191872,"Current officers":68193,"Disqualified persons":0,"Other salaries and wages":103580,"Pension plan contributions":4506,"Other employee benefits":1633,"Payroll taxes":13960},"Other expenses":{"value":186072,"Management services":0,"Legal":455,"Accounting":13200,"Lobbying services":0,"Investment management fees":0,"Other services":32562,"Advertising":6213,"Office expenses":17608,"Information technology":31677,"Royalties":0,"Occupancy":3051,"Travel":8232,"Conferences and meetings":3600,"Interest":29602,"Payments to affiliates":0,"Depreciation and depletion":6597,"Insurance":11446,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":18666,"PROVISION FOR LOAN LOSS":5500,"MISCELLANEOUS":5315,"ASSOCIATION DUES":4756,"BANK SERVICE CHARGES":3095},"All other expenses":3163},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":9864351,"Non-interest bearing cash":296338,"Savings and temp cash investments":1578203,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":180691,"Receivables from disqual persons":0,"Other net note and loans":7657745,"Inventories for sale or use":0,"Prepaid expenses deferred charges":21199,"Land, building, equipment":20917,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":109258},"Liabilities":{"value":9046751,"Sum of Total Liabilities":0,"Accounts payable, accrued":41555,"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":9005196},"Fund balance":{"value":817600,"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":0.09622774609323624,"percentile":0.6166592516037833},"Liabilities to Assets Ratio":{"score":0.9171156825218405,"percentile":0.06183928925508781},"Operating Reserve Ratio":{"score":26.100033338272336,"percentile":0.9610040622368392},"Officer Compensation Ratio":{"score":0.1903139089388904,"percentile":0.33070742698458205},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4899506589252866,"percentile":0.29744561566584}},"source_xml":"201610519349300606_public.xml"},{"Organization":{"value":null,"Person":["SABRINA OSHELSKI","JOLENE DEPLONTY","BOBBIE LIVERMORE","DESIREE MCCURLEY","KALI PERRON","SUSAN WILLIAMS"],"Title":["MANAGER/CEO","TREASURER","VICE-CHAIRPE","DIRECTOR","CHAIRPERSON","SECRETARY"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[89300,0,0,0,0,0],"Direct compensation":[89300,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Promote thrift among its members and to create a source of credit for them at legitimate rates of interest for provident purposes.","year":2022,"name":"FEDERAL EMPLOYEES OF CHIPPEWA COUNTY CREDIT UNION","phone":9066324210,"website":"WWW.FECCCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SABRINA OSHELSKI","year_formation":1957,"state_legal_domicile":"MI","total_volunteers":null,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"119 WATER STREET, SAULT STE MARIE, MI, 49783, USA","city":"SAULT STE MARIE","state":"MI","country":"USA","zip_code":49783},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":1,"Number of employees total":8,"Total Gross UBI":2326,"Net unrelated business taxable income":1326,"Number of employees":8,"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":541573,"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":459317,"Total revenue":{"value":459317,"INTEREST ON LOANS":413816,"FEE INCOME":44378,"INSURANCE SALES TO MEMBERS":1123},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":79526,"Investment income total":79526,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2730,"Other total":2730,"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":387360,"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":208788,"Current officers":89300,"Disqualified persons":0,"Other salaries and wages":97427,"Pension plan contributions":6490,"Other employee benefits":1619,"Payroll taxes":13952},"Other expenses":{"value":178572,"Management services":0,"Legal":356,"Accounting":18000,"Lobbying services":0,"Investment management fees":0,"Other services":27901,"Advertising":4563,"Office expenses":13151,"Information technology":41855,"Royalties":0,"Occupancy":3340,"Travel":6402,"Conferences and meetings":8819,"Interest":11964,"Payments to affiliates":0,"Depreciation and depletion":2111,"Insurance":13577,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":21628,"PROVISION FOR LOAN LOSS":6000,"TELEPHONE":5363,"MISCELLANEOUS":5190,"BANK SERVICE CHARGES":5075},"All other expenses":4905},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":16629347,"Non-interest bearing cash":297543,"Savings and temp cash investments":5434390,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":139950,"Receivables from disqual persons":0,"Other net note and loans":10533725,"Inventories for sale or use":0,"Prepaid expenses deferred charges":64792,"Land, building, equipment":6103,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":152844},"Liabilities":{"value":15217843,"Sum of Total Liabilities":0,"Accounts payable, accrued":153949,"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":15063894},"Fund balance":{"value":1411504,"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":0.28475016295125494,"percentile":0.8256580469193114},"Liabilities to Assets Ratio":{"score":0.9151196977247513,"percentile":0.06215576673172379},"Operating Reserve Ratio":{"score":42.92995404791409,"percentile":0.9778807051126467},"Officer Compensation Ratio":{"score":0.23053490293267245,"percentile":0.26680266680081094},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.03190199664786858,"percentile":0.5239725845227027},"Asset Growth":{"score":0.06823980657660053,"percentile":0.5919521748601768},"Independent Voting Board Pct":{"score":0.2,"percentile":0.11166982829196659},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5363178910839933,"percentile":0.41801218026699155}},"source_xml":"202323129349303862_public.xml"},{"Organization":{"value":null,"Person":["SABRINA OSHELSKI","KALI BROSCO","JOLENE DEPLONTY","DESIREE MCCURLEY","GLENN WALLIS","SUSAN WILLIAMS"],"Title":["MANAGER/CEO","CHAIRPERSON","TREASURER","DIRECTOR","VICE-CHAIRPE","SECRETARY"],"Hours":[40.0,0,0,0,0,0],"Total Compensation":[90386,0,0,0,0,0],"Direct compensation":[85816,0,0,0,0,0],"Other compensation":[4570,0,0,0,0,0]},"Basic":{"value":null,"mission":"Promote thrift among its members and to create a source of credit for them at legitimate rates of interest for provident purposes.","year":2020,"name":"FEDERAL EMPLOYEES OF CHIPPEWA COUNTY CREDIT UNION","phone":9066324210,"website":"WWW.FECCCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SABRINA OSHELSKI","year_formation":1957,"state_legal_domicile":"MI","total_volunteers":null,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"119 WATER STREET, SAULT STE MARIE, MI, 49783, USA","city":"SAULT STE MARIE","state":"MI","country":"USA","zip_code":49783},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":1,"Number of employees total":4,"Total Gross UBI":2482,"Net unrelated business taxable income":1482,"Number of employees":4,"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":476793,"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":428280,"Total revenue":{"value":428280,"INTEREST ON LOANS":400122,"FEE INCOME":26783,"INSURANCE SALES TO MEMBERS":1375},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":27354,"Investment income total":27354,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":21159,"Other total":21159,"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":391867,"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":206069,"Current officers":85816,"Disqualified persons":0,"Other salaries and wages":97122,"Pension plan contributions":5980,"Other employee benefits":2279,"Payroll taxes":14872},"Other expenses":{"value":185798,"Management services":0,"Legal":0,"Accounting":14400,"Lobbying services":0,"Investment management fees":0,"Other services":49132,"Advertising":4700,"Office expenses":16267,"Information technology":41249,"Royalties":0,"Occupancy":2862,"Travel":1738,"Conferences and meetings":3600,"Interest":18574,"Payments to affiliates":0,"Depreciation and depletion":4274,"Insurance":12454,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":16535,"MISCELLANEOUS":4952,"TELEPHONE":4475,"BANK SERVICE CHARGES":4440,"ASSOCIATION DUES":2668},"All other expenses":13},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":14872119,"Non-interest bearing cash":104134,"Savings and temp cash investments":4898690,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":125970,"Receivables from disqual persons":0,"Other net note and loans":9587509,"Inventories for sale or use":0,"Prepaid expenses deferred charges":21383,"Land, building, equipment":7803,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":126630},"Liabilities":{"value":13667309,"Sum of Total Liabilities":0,"Accounts payable, accrued":81731,"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":13585578},"Fund balance":{"value":1204810,"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":0.17811922574366654,"percentile":0.7330762823490186},"Liabilities to Assets Ratio":{"score":0.918988679420868,"percentile":0.06155026031040602},"Operating Reserve Ratio":{"score":37.951955638009835,"percentile":0.974844687798274},"Officer Compensation Ratio":{"score":0.2306547884869101,"percentile":0.2666375912250122},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.029523856631155452,"percentile":0.5123360408930832},"Asset Growth":{"score":0.057904247115741755,"percentile":0.5562759281568744},"Independent Voting Board Pct":{"score":0.2,"percentile":0.11166982829196659},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5153274779881769,"percentile":0.36105134346709045}},"source_xml":"202113099349304381_public.xml"},{"Organization":{"value":null,"Person":["LANA FORREST","GLENN WALLIS","JOLENE DEPLONTY","SUSAN WILLIAMS","KURT BUNKER","SABRINA OSHELSKI"],"Title":["CHAIRPERSON","VICE-CHAIRPE","TREASURER","SECRETARY","BOARD MEMBER","MANAGER/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,82617],"Direct compensation":[0,0,0,0,0,78686],"Other compensation":[0,0,0,0,0,3931]},"Basic":{"value":null,"mission":"Promote thrift among its members and to create a source of credit for them at legitimate rates of interest for provident purposes.","year":2015,"name":"FEDERAL EMPLOYEES OF CC CREDIT UNION","phone":9066324210,"website":"WWW.FECCCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SABRINA OSHELSKI","year_formation":1957,"state_legal_domicile":"MI","total_volunteers":null,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"119 WATER STREET, SAULT STE MARIE, MI, 49783, USA","city":"SAULT STE MARIE","state":"MI","country":"USA","zip_code":49783},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":0,"Number of employees total":7,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":7,"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":418983,"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":407223,"Total revenue":{"value":407223,"INTEREST ON LOANS":363443,"FEE INCOME":41035,"INSURANCE SALES TO MEMBERS":2745},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":10501,"Investment income total":10501,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1259,"Other total":1259,"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":384350,"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":191905,"Current officers":78686,"Disqualified persons":0,"Other salaries and wages":93155,"Pension plan contributions":3752,"Other employee benefits":1825,"Payroll taxes":14487},"Other expenses":{"value":192445,"Management services":0,"Legal":-893,"Accounting":12600,"Lobbying services":0,"Investment management fees":0,"Other services":39268,"Advertising":6477,"Office expenses":20497,"Information technology":32636,"Royalties":0,"Occupancy":2530,"Travel":9816,"Conferences and meetings":3600,"Interest":26684,"Payments to affiliates":0,"Depreciation and depletion":7796,"Insurance":11377,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":17463,"PROVISION FOR LOAN LOSS":6000,"MISCELLANEOUS":5131,"BANK SERVICE CHARGES":3624,"TELEPHONE":2708},"All other expenses":2594},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":10557705,"Non-interest bearing cash":304112,"Savings and temp cash investments":1717015,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":157038,"Receivables from disqual persons":0,"Other net note and loans":8212353,"Inventories for sale or use":0,"Prepaid expenses deferred charges":42244,"Land, building, equipment":13251,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":111692},"Liabilities":{"value":9705475,"Sum of Total Liabilities":0,"Accounts payable, accrued":51574,"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":9653901},"Fund balance":{"value":852230,"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":0.082659678316304,"percentile":0.591994503818163},"Liabilities to Assets Ratio":{"score":0.9192788584261447,"percentile":0.06150314715854436},"Operating Reserve Ratio":{"score":27.46898660075452,"percentile":0.9633929832694691},"Officer Compensation Ratio":{"score":0.21495251723689346,"percentile":0.2898863860023726},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4815355465817804,"percentile":0.2780886984057021}},"source_xml":"201632519349300103_public.xml"},{"Organization":{"value":null,"Person":["KALI BROSCO","GLENN WALLIS","SUSAN WILLIAMS","JOLENE DEPLONTY","APRIL JONES","SABRINA OSHELSKI"],"Title":["CHAIRPERSON","VICE-CHAIRPE","SECRETARY","TREASURER","CHAIRPERSON","MANAGER/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,85137],"Direct compensation":[0,0,0,0,0,84143],"Other compensation":[0,0,0,0,0,994]},"Basic":{"value":null,"mission":"Promote thrift among its members and to create a source of credit for them at legitimate rates of interest for provident purposes.","year":2018,"name":"FEDERAL EMPLOYEES OF CC CREDIT UNION","phone":9066324210,"website":"WWW.FECCCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SABRINA OSHELSKI","year_formation":1957,"state_legal_domicile":"MI","total_volunteers":5,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"119 WATER STREET, SAULT STE MARIE, MI, 49783, USA","city":"SAULT STE MARIE","state":"MI","country":"USA","zip_code":49783},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":0,"Number of employees total":5,"Total Gross UBI":2931,"Net unrelated business taxable income":1931,"Number of employees":5,"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":480666,"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":428596,"Total revenue":{"value":428596,"INTEREST ON LOANS":390913,"FEE INCOME":36024,"INSURANCE SALES TO MEMBERS":1659},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":41542,"Investment income total":41542,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":10528,"Other total":10528,"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":434906,"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":204338,"Current officers":84143,"Disqualified persons":0,"Other salaries and wages":98621,"Pension plan contributions":5263,"Other employee benefits":1991,"Payroll taxes":14320},"Other expenses":{"value":230568,"Management services":0,"Legal":1244,"Accounting":13000,"Lobbying services":0,"Investment management fees":0,"Other services":44454,"Advertising":4458,"Office expenses":15216,"Information technology":37699,"Royalties":0,"Occupancy":2635,"Travel":6827,"Conferences and meetings":4100,"Interest":22018,"Payments to affiliates":0,"Depreciation and depletion":6153,"Insurance":12375,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":56442,"PROVISION FOR LOAN LOSS":42500,"MISCELLANEOUS":5782,"BANK SERVICE CHARGES":4339,"ASSOCIATION DUES":3821},"All other expenses":3947},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":11374502,"Non-interest bearing cash":146886,"Savings and temp cash investments":2650646,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":137859,"Receivables from disqual persons":0,"Other net note and loans":8283568,"Inventories for sale or use":0,"Prepaid expenses deferred charges":37604,"Land, building, equipment":2630,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":115309},"Liabilities":{"value":10356026,"Sum of Total Liabilities":0,"Accounts payable, accrued":52582,"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":10303444},"Fund balance":{"value":1018476,"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":0.09520124161059863,"percentile":0.6148539572285042},"Liabilities to Assets Ratio":{"score":0.9104597282588723,"percentile":0.06292186754895261},"Operating Reserve Ratio":{"score":26.153932114066027,"percentile":0.9611111706157661},"Officer Compensation Ratio":{"score":0.1957595434415713,"percentile":0.32118334768383827},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.03768752977554854,"percentile":0.5515988768848421},"Asset Growth":{"score":0.03040133023742304,"percentile":0.44759165499195785},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4926086507407973,"percentile":0.3037781305951964}},"source_xml":"201942419349300214_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["SABRINA OSHELSKI","JOLENE DEPLONTY","BOBBIE LIVERMORE","DESIREE MCCURLEY","KALI PERRON","SUSAN WILLIAMS","BRAD BISDORF"],"Title":["MANAGER/CEO","TREASURER","VICE-CHAIRPE","DIRECTOR","CHAIRPERSON","SECRETARY","VP OF FINANC"],"Hours":[40.0,40.0,0,0,0,0,0],"Total Compensation":[120889,0,0,0,0,0,0],"Direct compensation":[116946,0,0,0,0,0,0],"Other compensation":[3943,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Promote thrift among its members and to create a source of credit for them at legitimate rates of interest for provident purposes.","year":2023,"name":"FEDERAL EMPLOYEES OF CHIPPEWA COUNTY CREDIT UNION","phone":9066324210,"website":"WWW.FECCCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"BRAD BISDORF","year_formation":1957,"state_legal_domicile":"MI","total_volunteers":null,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"119 WATER STREET, SAULT STE MARIE, MI, 49783, USA","city":"SAULT STE MARIE","state":"MI","country":"USA","zip_code":49783},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":0,"Number of employees total":4,"Total Gross UBI":2423,"Net unrelated business taxable income":1423,"Number of employees":4,"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":777802,"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":524808,"Total revenue":{"value":524808,"INTEREST ON LOANS":474797,"FEE INCOME":48901,"INSURANCE SALES TO MEMBERS":1110},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":235024,"Investment income total":235024,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":17970,"Other total":17970,"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":441529,"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":211411,"Current officers":0,"Disqualified persons":116946,"Other salaries and wages":69239,"Pension plan contributions":7395,"Other employee benefits":2338,"Payroll taxes":15493},"Other expenses":{"value":230118,"Management services":0,"Legal":2029,"Accounting":16500,"Lobbying services":0,"Investment management fees":0,"Other services":25924,"Advertising":6832,"Office expenses":15428,"Information technology":60102,"Royalties":0,"Occupancy":4181,"Travel":0,"Conferences and meetings":3140,"Interest":41241,"Payments to affiliates":0,"Depreciation and depletion":2627,"Insurance":14114,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":30943,"PROVISION FOR LOAN LOSS":10530,"MISCELLANEOUS":9670,"BANK SERVICE CHARGES":5779,"TELEPHONE":4964},"All other expenses":7057},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":0,"Non-interest bearing cash":0,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":0,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"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":0},"Fund balance":{"value":0,"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":0.4323375357738859,"percentile":0.8970963863745723},"Liabilities to Assets Ratio":{"score":null,"percentile":null},"Operating Reserve Ratio":{"score":0.0,"percentile":0.01998217959084195},"Officer Compensation Ratio":{"score":0.2737962851817208,"percentile":0.21339290380147563},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.05856091072810546,"percentile":0.6406367454857439},"Asset Growth":{"score":-0.020463182243815426,"percentile":0.24429948522874811},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.503719521122197,"percentile":0.3307518644071864}},"source_xml":"202403199349310360_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}