{"success":true,"data":{"_id":381676999,"filings":[{"Organization":{"value":null,"Person":["Richard Barry","Ken Murdoch","Robert Swanson","Loren DeYoung","John Maurer","Dan Dowsett"],"Title":["President","Vice President","Director","Director","Secretary/Treas","General Manager"],"Hours":[1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,120177],"Direct compensation":[0,0,0,0,0,85348],"Other compensation":[0,0,0,0,0,34829]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2016,"name":"Gabriels Community Credit Union","phone":5174840601,"website":"www.gabrielscu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1957,"state_legal_domicile":"MI","total_volunteers":5,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"1901 E Michigan Avenue, Lansing, MI, 48912, USA","city":"Lansing","state":"MI","country":"USA","zip_code":48912},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":8,"Total Gross UBI":331,"Net unrelated business taxable income":-736,"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":933136,"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":878831,"Total revenue":{"value":878831,"ATM Interchange":61362,"Courtesy Pay Fees":51803,"Draft Income":45593,"Interest on Loans":660109,"Other Operating Income":59964},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":27145,"Investment income total":27145,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":27160,"Other total":27160,"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":836715,"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":439720,"Current officers":120177,"Disqualified persons":0,"Other salaries and wages":241714,"Pension plan contributions":22115,"Other employee benefits":29155,"Payroll taxes":26559},"Other expenses":{"value":396995,"Management services":0,"Legal":6598,"Accounting":7176,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":9569,"Office expenses":116858,"Information technology":51067,"Royalties":0,"Occupancy":47818,"Travel":2163,"Conferences and meetings":0,"Interest":51765,"Payments to affiliates":0,"Depreciation and depletion":21413,"Insurance":10337,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":72442,"Provision for Loan Losses":44500,"Loan Servicing Expenses":17904,"Examination Fees":7247,"Association Dues":2791},"All other expenses":-211},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":13811461,"Non-interest bearing cash":154611,"Savings and temp cash investments":1606028,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":9984874,"Inventories for sale or use":0,"Prepaid expenses deferred charges":17475,"Land, building, equipment":353464,"Investments publicly traded":0,"Investments other":1555800,"Investments program related":0,"Intangible assets":0,"Other assets":139209},"Liabilities":{"value":12151811,"Sum of Total Liabilities":0,"Accounts payable, accrued":63120,"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":12088691},"Fund balance":{"value":1659650,"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":0.10333006121294216,"percentile":0.6289304843459292},"Liabilities to Assets Ratio":{"score":0.879835304896419,"percentile":0.0679009083415679},"Operating Reserve Ratio":{"score":16.506768732483582,"percentile":0.933107785990992},"Officer Compensation Ratio":{"score":0.1436295512809021,"percentile":0.4272488006380318},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.03771068117435156,"percentile":0.5517159030429881},"Asset Growth":{"score":0.019124108289121824,"percentile":0.4001464046335861},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5749526653140649,"percentile":0.5315736814560005}},"source_xml":"201741149349300609_public.xml"},{"Organization":{"value":null,"Person":["Richard Barry","Ken Murdoch","Robert Swanson","Loren DeYoung","John Maurer","Robert Maurer","Dan Dowsett"],"Title":["President","Vice President","Secretary/Treas","Director","Secretary/Treas","Director","General Manager"],"Hours":[1.0,1.0,1.0,1.0,0.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,126937],"Direct compensation":[0,0,0,0,0,0,91250],"Other compensation":[0,0,0,0,0,0,35687]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2017,"name":"Gabriels Community Credit Union","phone":5174840601,"website":"www.gabrielscu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"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":"1901 E Michigan Avenue, Lansing, MI, 48912, USA","city":"Lansing","state":"MI","country":"USA","zip_code":48912},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":12,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":12,"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":1146290,"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":1074098,"Total revenue":{"value":1074098,"Courtesy Pay Fees":58016,"Draft Income":54630,"Interchange Income":68955,"Interest on Loans":796685,"Other Operating Income":95812},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":37992,"Investment income total":37992,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":34200,"Other total":34200,"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":987484,"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":491688,"Current officers":126937,"Disqualified persons":0,"Other salaries and wages":288794,"Pension plan contributions":21332,"Other employee benefits":22637,"Payroll taxes":31988},"Other expenses":{"value":495796,"Management services":0,"Legal":3498,"Accounting":8007,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":19464,"Office expenses":123577,"Information technology":71922,"Royalties":0,"Occupancy":50463,"Travel":1783,"Conferences and meetings":0,"Interest":65216,"Payments to affiliates":0,"Depreciation and depletion":24224,"Insurance":11300,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":115802,"Provision for Loan Losses":82000,"Loan Servicing Expenses":24491,"Examination Fees":6790,"Association Dues":2521},"All other expenses":540},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":15558106,"Non-interest bearing cash":395344,"Savings and temp cash investments":2305702,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":11717211,"Inventories for sale or use":0,"Prepaid expenses deferred charges":12969,"Land, building, equipment":334070,"Investments publicly traded":0,"Investments other":663800,"Investments program related":0,"Intangible assets":0,"Other assets":129010},"Liabilities":{"value":13739650,"Sum of Total Liabilities":0,"Accounts payable, accrued":150907,"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":13588743},"Fund balance":{"value":1818456,"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":0.13853911313890901,"percentile":0.6831156062990874},"Liabilities to Assets Ratio":{"score":0.8831184207126497,"percentile":0.06738163947213606},"Operating Reserve Ratio":{"score":15.755299326368831,"percentile":0.9297589313736407},"Officer Compensation Ratio":{"score":0.12854588023704688,"percentile":0.4659028583959245},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07531729427948426,"percentile":0.6984557866495551},"Asset Growth":{"score":0.029380423759970055,"percentile":0.44340137606898233},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6046639206475954,"percentile":0.6191293746898987}},"source_xml":"201811109349300206_public.xml"},{"Organization":{"value":null,"Person":["Richard Barry","Ken Murdoch","Robert Swanson","Loren DeYoung","John Maurer","Dan Dowsett"],"Title":["President","Vice President","Director","Director","Secretary/Treas","General Manager"],"Hours":[1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,79210],"Direct compensation":[0,0,0,0,0,79210],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2014,"name":"Gabriels Community Credit Union","phone":5174840601,"website":"www.gabrielscu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Dan Dowsett","year_formation":1957,"state_legal_domicile":"MI","total_volunteers":5,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"1901 E Michigan Avenue, Lansing, MI, 48912, USA","city":"Lansing","state":"MI","country":"USA","zip_code":48912},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":10,"Total Gross UBI":243,"Net unrelated business taxable income":-653,"Number of employees":10,"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":874243,"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":838148,"Total revenue":{"value":838148,"ATM Interchange":46016,"Courtesy Pay Fees":65235,"Draft Income":45726,"Interest on Loans":632668,"Other Operating Income":48503},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":19959,"Investment income total":19959,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":16136,"Other total":16136,"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":790097,"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":368634,"Current officers":79210,"Disqualified persons":0,"Other salaries and wages":196299,"Pension plan contributions":20978,"Other employee benefits":49463,"Payroll taxes":22684},"Other expenses":{"value":421463,"Management services":0,"Legal":1120,"Accounting":5785,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":17010,"Office expenses":34978,"Information technology":48320,"Royalties":0,"Occupancy":50296,"Travel":3798,"Conferences and meetings":0,"Interest":55261,"Payments to affiliates":0,"Depreciation and depletion":15925,"Insurance":8194,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":171282,"Provision for Loan Losses":78000,"Co-Op Expense":57218,"Loss on Disposal of Assets":18908,"Loan Servicing Expenses":17156},"All other expenses":9494},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":15645973,"Non-interest bearing cash":161648,"Savings and temp cash investments":4513298,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":9597380,"Inventories for sale or use":0,"Prepaid expenses deferred charges":11525,"Land, building, equipment":363687,"Investments publicly traded":0,"Investments other":861800,"Investments program related":0,"Intangible assets":0,"Other assets":136635},"Liabilities":{"value":14178527,"Sum of Total Liabilities":0,"Accounts payable, accrued":79400,"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":14099127},"Fund balance":{"value":1467446,"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":0.09625012725294912,"percentile":0.6167040884476037},"Liabilities to Assets Ratio":{"score":0.9062093485652826,"percentile":0.06363368582164518},"Operating Reserve Ratio":{"score":19.802597655730878,"percentile":0.945329256209103},"Officer Compensation Ratio":{"score":0.10025351317623026,"percentile":0.5511570674568154},"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":0.59787568077199,"percentile":0.5992802951293931}},"source_xml":"201540919349300804_public.xml"},{"Organization":{"value":null,"Person":["Dan Dowsett","Malissa Richardson","Richard Barry","Ken Murdoch","Robert Swanson","Loren DeYoung","Robert Maurer"],"Title":["General Manager","CEO","Chairperson","ViceChairperson","Secretary/Treas","Board Member","Board Member"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[119972,108696,0,0,0,0,0],"Direct compensation":[96361,81525,0,0,0,0,0],"Other compensation":[23611,27171,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2019,"name":"Gabriels Community Credit Union","phone":5174840601,"website":"www.gabrielscu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1957,"state_legal_domicile":"MI","total_volunteers":5,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"1901 E Michigan Avenue, Lansing, MI, 48912, USA","city":"Lansing","state":"MI","country":"USA","zip_code":48912},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":8,"Total Gross UBI":13328,"Net unrelated business taxable income":1697,"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":1446276,"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":1334788,"Total revenue":{"value":1334788,"Courtesy Pay Fees":67944,"Draft Income":58201,"Insurance Reimbursement":13328,"Interest on Loans":980734,"Other Operating Income":214581},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":111488,"Investment income total":111488,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1213918,"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":564151,"Current officers":226668,"Disqualified persons":0,"Other salaries and wages":258943,"Pension plan contributions":24665,"Other employee benefits":15692,"Payroll taxes":38183},"Other expenses":{"value":649767,"Management services":0,"Legal":1088,"Accounting":7728,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":30234,"Office expenses":156157,"Information technology":71257,"Royalties":0,"Occupancy":52799,"Travel":3793,"Conferences and meetings":0,"Interest":141229,"Payments to affiliates":0,"Depreciation and depletion":32897,"Insurance":16955,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":132445,"Loan Servicing Expenses":115717,"Extend Expense":8352,"Examination Fees":5968,"Edoc Expense":2408},"All other expenses":3185},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":19648568,"Non-interest bearing cash":267234,"Savings and temp cash investments":3022296,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":13883392,"Inventories for sale or use":0,"Prepaid expenses deferred charges":28251,"Land, building, equipment":1007152,"Investments publicly traded":0,"Investments other":1259800,"Investments program related":0,"Intangible assets":0,"Other assets":180443},"Liabilities":{"value":17378635,"Sum of Total Liabilities":0,"Accounts payable, accrued":151860,"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":17226775},"Fund balance":{"value":2269933,"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":0.16065951450483865,"percentile":0.7122577205478492},"Liabilities to Assets Ratio":{"score":0.8844733621300036,"percentile":0.06716184637671184},"Operating Reserve Ratio":{"score":16.18607517146957,"percentile":0.9317137603346956},"Officer Compensation Ratio":{"score":0.1883718669630074,"percentile":0.33409440662412143},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10055219976931905,"percentile":0.765136619640629},"Asset Growth":{"score":0.058554665298455995,"percentile":0.5585880672093152},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6158657300704806,"percentile":0.6512159168607685}},"source_xml":"202041069349301539_public.xml"},{"Organization":{"value":null,"Person":["Malissa Richardson","CHARLES DION","Ken Murdoch","Katie St Marie","Loren DeYoung","SHARON BYERS"],"Title":["CEO","Director","chairperson","Director","Vice Chair","Secretary Treas"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[176279,0,0,0,0,0],"Direct compensation":[140500,0,0,0,0,0],"Other compensation":[35779,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2022,"name":"Gabriels Community Credit Union","phone":5174840601,"website":"www.gabrielscu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1957,"state_legal_domicile":"MI","total_volunteers":8,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"1901 E Michigan Avenue, Lansing, MI, 48912, USA","city":"Lansing","state":"MI","country":"USA","zip_code":48912},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":19,"Total Gross UBI":33147,"Net unrelated business taxable income":8365,"Number of employees":19,"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":2722307,"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":2647104,"Total revenue":{"value":2647104,"Fees and Charges":429750,"Insurance":23639,"Interchange Income":116221,"Interest on Loans":1745844,"Operating Income":331650},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":75203,"Investment income total":75203,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1866259,"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":810402,"Current officers":176279,"Disqualified persons":0,"Other salaries and wages":525820,"Pension plan contributions":15843,"Other employee benefits":29442,"Payroll taxes":63018},"Other expenses":{"value":1055857,"Management services":0,"Legal":19906,"Accounting":18473,"Lobbying services":0,"Investment management fees":0,"Other services":37010,"Advertising":47518,"Office expenses":125646,"Information technology":115300,"Royalties":0,"Occupancy":49117,"Travel":377,"Conferences and meetings":0,"Interest":246509,"Payments to affiliates":0,"Depreciation and depletion":58700,"Insurance":29161,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":306385,"Provision for Loan Losses":132000,"ATM/Debit Card Expense":108674,"Loan Servicing Expenses":62733,"Dues and Subscriptions":2978},"All other expenses":1755},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":35016585,"Non-interest bearing cash":1020233,"Savings and temp cash investments":2530624,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":27682467,"Inventories for sale or use":0,"Prepaid expenses deferred charges":41791,"Land, building, equipment":2551177,"Investments publicly traded":0,"Investments other":743825,"Investments program related":0,"Intangible assets":0,"Other assets":446468},"Liabilities":{"value":31254370,"Sum of Total Liabilities":0,"Accounts payable, accrued":537247,"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":30717123},"Fund balance":{"value":3762215,"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":0.31445681916110124,"percentile":0.843884020128482},"Liabilities to Assets Ratio":{"score":0.8925590545165955,"percentile":0.06588364608272577},"Operating Reserve Ratio":{"score":18.762982522790246,"percentile":0.9418581363667504},"Officer Compensation Ratio":{"score":0.09445580704500287,"percentile":0.5709241350747992},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.13741387462801125,"percentile":0.8315352460111018},"Asset Growth":{"score":0.1083315068450719,"percentile":0.7027915847895062},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6715542377394552,"percentile":0.7925298922102567}},"source_xml":"202302129349300110_public.xml"},{"Organization":{"value":null,"Person":["Richard Barry","Ken Murdoch","Robert Swanson","Loren DeYoung","John Maurer","Dan Dowsett"],"Title":["President","Vice President","Director","Director","Secretary/Treas","General Manager"],"Hours":[1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,81180],"Direct compensation":[0,0,0,0,0,81180],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2015,"name":"Gabriels Community Credit Union","phone":5174840601,"website":"www.gabrielscu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1957,"state_legal_domicile":"MI","total_volunteers":5,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"1901 E Michigan Avenue, Lansing, MI, 48912, USA","city":"Lansing","state":"MI","country":"USA","zip_code":48912},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":8,"Total Gross UBI":0,"Net unrelated business taxable income":null,"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":880501,"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":850586,"Total revenue":{"value":850586,"ATM Interchange":50760,"Courtesy Pay Fees":55044,"Draft Income":41482,"Interest on Loans":627893,"Other Operating Income":75407},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":29915,"Investment income total":29915,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":784718,"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":406340,"Current officers":81180,"Disqualified persons":0,"Other salaries and wages":224740,"Pension plan contributions":24036,"Other employee benefits":51804,"Payroll taxes":24580},"Other expenses":{"value":378378,"Management services":0,"Legal":1822,"Accounting":8148,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":12126,"Office expenses":107933,"Information technology":49763,"Royalties":0,"Occupancy":46760,"Travel":3311,"Conferences and meetings":0,"Interest":56812,"Payments to affiliates":0,"Depreciation and depletion":17985,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":72596,"Provision for Loan Losses":47500,"Loan Servicing Expenses":14901,"Examination Fees":7539,"Association Dues":2656},"All other expenses":1122},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":14485435,"Non-interest bearing cash":162768,"Savings and temp cash investments":3214500,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":9378925,"Inventories for sale or use":0,"Prepaid expenses deferred charges":23380,"Land, building, equipment":355364,"Investments publicly traded":0,"Investments other":1207800,"Investments program related":0,"Intangible assets":0,"Other assets":142698},"Liabilities":{"value":12922206,"Sum of Total Liabilities":0,"Accounts payable, accrued":77610,"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":12844596},"Fund balance":{"value":1563229,"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":0.10878238639138399,"percentile":0.6379858963669724},"Liabilities to Assets Ratio":{"score":0.8920827023834631,"percentile":0.06596128036340218},"Operating Reserve Ratio":{"score":18.45941471968274,"percentile":0.9407795752000855},"Officer Compensation Ratio":{"score":0.10345117609128375,"percentile":0.5407192118178484},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.032370423522926434,"percentile":0.5262453556993278},"Asset Growth":{"score":0.06894896869764013,"percentile":0.5942923500354798},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5936877826969343,"percentile":0.5869336408831084}},"source_xml":"201621279349300497_public.xml"},{"Organization":{"value":null,"Person":["Richard Barry","Ken Murdoch","Robert Swanson","Loren DeYoung","John Maurer","Robert Maurer","Dan Dowsett","Malissa Richardson"],"Title":["President","Vice President","Secretary/Treas","Director","Secretary/Treas","Director","General Manager","CEO"],"Hours":[1.0,1.0,1.0,1.0,0.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,132339,90221],"Direct compensation":[0,0,0,0,0,0,96167,77658],"Other compensation":[0,0,0,0,0,0,36172,12563]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2018,"name":"Gabriels Community Credit Union","phone":5174840601,"website":"www.gabrielscu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"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":"1901 E Michigan Avenue, Lansing, MI, 48912, USA","city":"Lansing","state":"MI","country":"USA","zip_code":48912},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":8,"Total Gross UBI":5509,"Net unrelated business taxable income":1520,"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":1298020,"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":1213232,"Total revenue":{"value":1213232,"Courtesy Pay Fees":58560,"Draft Income":53827,"Interchange Income":71810,"Interest on Loans":904058,"Other Operating Income":124977},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":63903,"Investment income total":63903,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":20885,"Other total":20885,"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":1078901,"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":534139,"Current officers":222560,"Disqualified persons":0,"Other salaries and wages":236613,"Pension plan contributions":14817,"Other employee benefits":23321,"Payroll taxes":36828},"Other expenses":{"value":544762,"Management services":0,"Legal":3908,"Accounting":6257,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":13791,"Office expenses":131348,"Information technology":64376,"Royalties":0,"Occupancy":47818,"Travel":3049,"Conferences and meetings":0,"Interest":91603,"Payments to affiliates":0,"Depreciation and depletion":23149,"Insurance":12425,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":143507,"Provision for Loan Losses":98000,"Loan Servicing Expenses":34273,"Examination Fees":8038,"Association Dues":3196},"All other expenses":3531},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":17170589,"Non-interest bearing cash":203920,"Savings and temp cash investments":3541284,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":11945788,"Inventories for sale or use":0,"Prepaid expenses deferred charges":33963,"Land, building, equipment":345954,"Investments publicly traded":0,"Investments other":909800,"Investments program related":0,"Intangible assets":0,"Other assets":189880},"Liabilities":{"value":15133014,"Sum of Total Liabilities":0,"Accounts payable, accrued":159514,"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":14973500},"Fund balance":{"value":2037575,"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":0.16881018782453275,"percentile":0.7222188368140651},"Liabilities to Assets Ratio":{"score":0.8813334242640133,"percentile":0.0676745603728412},"Operating Reserve Ratio":{"score":15.914888391057197,"percentile":0.9304795888816653},"Officer Compensation Ratio":{"score":0.2062839871313494,"percentile":0.3036960812132762},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.09308708153624483,"percentile":0.7476602467460148},"Asset Growth":{"score":0.04284326223170997,"percentile":0.4987334681497028},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6102999032104748,"percentile":0.6353419328079469}},"source_xml":"201901289349300235_public.xml"},{"Organization":{"value":null,"Person":["Malissa Richardson","CHARLES DION","Ken Murdoch","Robert Swanson","Loren DeYoung","sharon BYERS"],"Title":["CEO","Chairperson","chairperson","vice chair","Secretary","Board Member"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[121859,0,0,0,0,0],"Direct compensation":[92000,0,0,0,0,0],"Other compensation":[29859,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2020,"name":"Gabriels Community Credit Union","phone":5174840601,"website":"www.gabrielscu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1957,"state_legal_domicile":"MI","total_volunteers":5,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"1901 E Michigan Avenue, Lansing, MI, 48912, USA","city":"Lansing","state":"MI","country":"USA","zip_code":48912},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":9,"Total Gross UBI":24764,"Net unrelated business taxable income":299,"Number of employees":9,"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":1409505,"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":1334705,"Total revenue":{"value":1309941,"Draft Income":46641,"Fees and Charges":146990,"Interchange Income":84577,"Interest on Loans":997244,"Operating Income":34489},"Total other revenue":24764,"Unrelated business revenue":0},"Investment income":{"value":74800,"Investment income total":74800,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1229504,"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":549054,"Current officers":121859,"Disqualified persons":0,"Other salaries and wages":330840,"Pension plan contributions":21982,"Other employee benefits":37443,"Payroll taxes":36930},"Other expenses":{"value":680450,"Management services":0,"Legal":6788,"Accounting":21310,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":37750,"Office expenses":155887,"Information technology":91928,"Royalties":0,"Occupancy":41396,"Travel":3265,"Conferences and meetings":0,"Interest":121326,"Payments to affiliates":0,"Depreciation and depletion":60890,"Insurance":19786,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":117976,"allowance for loan loss":48728,"Visa expense":39925,"Loan Servicing Expenses":20882,"Examination Fees":8441},"All other expenses":2148},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":21140860,"Non-interest bearing cash":359780,"Savings and temp cash investments":2819181,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":14965660,"Inventories for sale or use":0,"Prepaid expenses deferred charges":20697,"Land, building, equipment":971735,"Investments publicly traded":0,"Investments other":1839800,"Investments program related":0,"Intangible assets":0,"Other assets":164007},"Liabilities":{"value":18690926,"Sum of Total Liabilities":0,"Accounts payable, accrued":216486,"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":18474440},"Fund balance":{"value":2449934,"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":0.12770511633516732,"percentile":0.667475292351507},"Liabilities to Assets Ratio":{"score":0.8841137966951202,"percentile":0.06722002087727147},"Operating Reserve Ratio":{"score":17.1946248243194,"percentile":0.9359388827464367},"Officer Compensation Ratio":{"score":0.09911232497006923,"percentile":0.5550036214064927},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.09097780046050312,"percentile":0.7424097477750332},"Asset Growth":{"score":0.06603522657097381,"percentile":0.5846498862995038},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6208997332711605,"percentile":0.6652172443590821}},"source_xml":"202111379349303476_public.xml"},{"Organization":{"value":null,"Person":["Richard Barry","Ken Murdoch","Robert Swanson","Loren DeYoung","John Maurer","Dan Dowsett"],"Title":["President","Vice President","Director","Director","Secretary/Treas","General Manager"],"Hours":[1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,69240],"Direct compensation":[0,0,0,0,0,69240],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2013,"name":"Gabriels Community Credit Union","phone":5174840601,"website":"www.gabrielscu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Dan Dowsett","year_formation":1957,"state_legal_domicile":"MI","total_volunteers":5,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"1901 E Michigan Avenue, Lansing, MI, 48912, USA","city":"Lansing","state":"MI","country":"USA","zip_code":48912},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":7,"Total Gross UBI":19108,"Net unrelated business taxable income":5800,"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":824833,"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":772828,"Total revenue":{"value":762512,"ATM Fee":17395,"ATM Interchange":41137,"Draft Income":41828,"Fees & Charges":76542,"Interest on Loans":585610},"Total other revenue":10316,"Unrelated business revenue":0},"Investment income":{"value":31727,"Investment income total":31727,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":20278,"Other total":19108,"Royalties revenue":0,"Net rental income":1170,"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":694099,"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":329481,"Current officers":69240,"Disqualified persons":0,"Other salaries and wages":175063,"Pension plan contributions":24423,"Other employee benefits":40309,"Payroll taxes":20446},"Other expenses":{"value":364618,"Management services":0,"Legal":0,"Accounting":13533,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":12565,"Office expenses":38343,"Information technology":82597,"Royalties":0,"Occupancy":44154,"Travel":515,"Conferences and meetings":0,"Interest":43895,"Payments to affiliates":0,"Depreciation and depletion":14070,"Insurance":9255,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":102497,"ATM Operating Expense":55709,"Provision for Loan Losses":29500,"Loan Servicing Expenses":9013,"NCUA Stabilization Expense":8275},"All other expenses":3194},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":12524705,"Non-interest bearing cash":114304,"Savings and temp cash investments":1660014,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":9528855,"Inventories for sale or use":0,"Prepaid expenses deferred charges":17220,"Land, building, equipment":350962,"Investments publicly traded":0,"Investments other":713800,"Investments program related":0,"Intangible assets":0,"Other assets":139550},"Liabilities":{"value":11141405,"Sum of Total Liabilities":0,"Accounts payable, accrued":48679,"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":11092726},"Fund balance":{"value":1383300,"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":0.15849753828956892,"percentile":0.7095112600600121},"Liabilities to Assets Ratio":{"score":0.8895542849113013,"percentile":0.06635600664008666},"Operating Reserve Ratio":{"score":18.044551281589513,"percentile":0.9392505525680851},"Officer Compensation Ratio":{"score":0.09975522223774995,"percentile":0.5528571505318315},"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":0.6185298013010695,"percentile":0.6586241493901567}},"source_xml":"201400829349300200_public.xml"},{"Organization":{"value":null,"Person":["KEN MURDOCH","LOREN DEYOUNG","SHARON BYERS","CHARLES DION","KATIE ST MARIE","MALISSA RICHARDSON","AMY COE","HEATHER LUCIANI"],"Title":["CHAIRPERSON","VICE CHAIR","SECRETARY TREAS","DIRECTOR","DIRECTOR","CEO - PART YEAR","CEO","INTERM CEO - PART YEAR"],"Hours":[1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,82238,0,0],"Direct compensation":[0,0,0,0,0,82238,0,0],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2023,"name":"GABRIELS COMMUNITY CREDIT UNION","phone":5174840601,"website":"WWW.MSUFCU.ORG/GCCU","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"AMY COE","year_formation":1957,"state_legal_domicile":"MI","total_volunteers":0,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"3777 WEST RD, EAST LANSING, MI, 48823, USA","city":"EAST LANSING","state":"MI","country":"USA","zip_code":48823},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":24,"Total Gross UBI":14059,"Net unrelated business taxable income":8318,"Number of employees":24,"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":2577153,"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":2440221,"Total revenue":{"value":2440221,"INTEREST ON LOANS":1865384,"FEES AND CHARGES":533489,"OPERATING INCOME":33920,"INSURANCE":7428},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":136932,"Investment income total":136932,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":8684909,"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":938336,"Current officers":82238,"Disqualified persons":0,"Other salaries and wages":694365,"Pension plan contributions":33964,"Other employee benefits":53308,"Payroll taxes":74461},"Other expenses":{"value":7746573,"Management services":131812,"Legal":61360,"Accounting":33851,"Lobbying services":0,"Investment management fees":0,"Other services":14032,"Advertising":62497,"Office expenses":114822,"Information technology":0,"Royalties":0,"Occupancy":142689,"Travel":3662,"Conferences and meetings":0,"Interest":453277,"Payments to affiliates":0,"Depreciation and depletion":105021,"Insurance":25193,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":6598357,"LOAN SERVICING EXPENSE":3553111,"PROVISION FOR LOAN LOSS":2792224,"DATA PROCESSING FEE":188622,"ATM/DEBIT CARD SERVICES":64400},"All other expenses":0},"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":-2.3699625128969837,"percentile":0.02168533951375258},"Liabilities to Assets Ratio":{"score":null,"percentile":null},"Operating Reserve Ratio":{"score":0.0,"percentile":0.01998217959084195},"Officer Compensation Ratio":{"score":0.009469068702965109,"percentile":0.9628125752424731},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.13449136455763883,"percentile":0.8272469932256413},"Asset Growth":{"score":0.024007516241714558,"percentile":0.4207731409457201},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.49290139673304073,"percentile":0.30446927765333176}},"source_xml":"202433199349305288_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["KEN MURDOCH","LOREN DEYOUNG","SHARON BYERS","CHARLES DION","KATIE ST MARIE","MALISSA RICHARDSON","AMY COE","HEATHER LUCIANI"],"Title":["CHAIRPERSON","VICE CHAIR","SECRETARY TREAS","DIRECTOR","DIRECTOR","CEO - PART YEAR","CEO","INTERM CEO - PART YEAR"],"Hours":[1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,82238,0,0],"Direct compensation":[0,0,0,0,0,82238,0,0],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide financial services and products to members.","year":2023,"name":"GABRIELS COMMUNITY CREDIT UNION","phone":5174840601,"website":"WWW.MSUFCU.ORG/GCCU","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"AMY COE","year_formation":1957,"state_legal_domicile":"MI","total_volunteers":0,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"3777 WEST RD, EAST LANSING, MI, 48823, USA","city":"EAST LANSING","state":"MI","country":"USA","zip_code":48823},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":24,"Total Gross UBI":14059,"Net unrelated business taxable income":8318,"Number of employees":24,"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":2577153,"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":2440221,"Total revenue":{"value":2440221,"INTEREST ON LOANS":1865384,"FEES AND CHARGES":533489,"OPERATING INCOME":33920,"INSURANCE":7428},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":136932,"Investment income total":136932,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":8684909,"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":938336,"Current officers":82238,"Disqualified persons":0,"Other salaries and wages":694365,"Pension plan contributions":33964,"Other employee benefits":53308,"Payroll taxes":74461},"Other expenses":{"value":7746573,"Management services":131812,"Legal":61360,"Accounting":33851,"Lobbying services":0,"Investment management fees":0,"Other services":14032,"Advertising":62497,"Office expenses":114822,"Information technology":0,"Royalties":0,"Occupancy":142689,"Travel":3662,"Conferences and meetings":0,"Interest":453277,"Payments to affiliates":0,"Depreciation and depletion":105021,"Insurance":25193,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":6598357,"LOAN SERVICING EXPENSE":3553111,"PROVISION FOR LOAN LOSS":2792224,"DATA PROCESSING FEE":188622,"ATM/DEBIT CARD SERVICES":64400},"All other expenses":0},"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":-2.3699625128969837,"percentile":0.02168533951375258},"Liabilities to Assets Ratio":{"score":null,"percentile":null},"Operating Reserve Ratio":{"score":0.0,"percentile":0.01998217959084195},"Officer Compensation Ratio":{"score":0.009469068702965109,"percentile":0.9628125752424731},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.13449136455763883,"percentile":0.8272469932256413},"Asset Growth":{"score":0.024007516241714558,"percentile":0.4207731409457201},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.49290139673304073,"percentile":0.30446927765333176}},"source_xml":"202433199349305288_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}