{"success":true,"data":{"_id":381681122,"filings":[{"Organization":{"value":null,"Person":["Victor Marshall","Cherly Marks","Kathy Egan","Jessica Botke","Bob Stowe","Howard Adams","Teresa Mayer"],"Title":["Board Chairman","Vice Chairman","Secretary/Treasurer","Board Member","Board Member","Board Member","Interim CEO"],"Hours":[10.0,5.0,8.0,2.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,20769],"Direct compensation":[0,0,0,0,0,0,20769],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"A full-service financial services organization serving members since 1936.","year":2016,"name":"Michigan Community Credit Union Michigan EECU A Community Credit Union","phone":5177872060,"website":"www.micommunitycu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Teresa Mayer","year_formation":1936,"state_legal_domicile":"MI","total_volunteers":6,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-04-30T00:00:00","address":"1425 Parnall Road, Jackson, MI, 49201, USA","city":"Jackson","state":"MI","country":"USA","zip_code":49201},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":54,"Total Gross UBI":30091,"Net unrelated business taxable income":-47644,"Number of employees":54,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"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":2648583,"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":2481122,"Total revenue":{"value":2481122,"LOAN INCOME":2024999,"FEES AND CHARGES":456123},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":46824,"Investment income total":93925,"Net investment gain":-47101,"Income from invest bond proceeds":0},"Other revenues":{"value":120637,"Other total":120637,"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":3031914,"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":937655,"Current officers":20769,"Disqualified persons":0,"Other salaries and wages":666585,"Pension plan contributions":56557,"Other employee benefits":117843,"Payroll taxes":75901},"Other expenses":{"value":2094259,"Management services":0,"Legal":13537,"Accounting":11928,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":69052,"Office expenses":140216,"Information technology":401386,"Royalties":0,"Occupancy":115377,"Travel":0,"Conferences and meetings":4675,"Interest":215268,"Payments to affiliates":0,"Depreciation and depletion":316789,"Insurance":26212,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":529403,"CREDIT CARD EXPENSE":213520,"PROVISION FOR LOAN LOSS":195000,"ORIGINATION FEES":61728,"MISCELLANEOUS EXPENSE":59155},"All other expenses":250416},"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":-0.14473059745531855,"percentile":0.18477813608756555},"Liabilities to Assets Ratio":{"score":null,"percentile":null},"Operating Reserve Ratio":{"score":0.0,"percentile":0.01998217959084195},"Officer Compensation Ratio":{"score":0.006850128334774667,"percentile":0.9738741039888218},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.1991671898170118,"percentile":0.0761868286219106},"Asset Growth":{"score":-0.3675212149073282,"percentile":0.02360893870097989},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4196666935901792,"percentile":0.15461995611136187}},"source_xml":"201721889349300222_public.xml"},{"Organization":{"value":null,"Person":["VICTOR MARSHALL","HOWARD ADAMS","KATHY EGAN","JESSICA BOTKE","BOB STOWE","TINA HAMILTON"],"Title":["BOARD CHAIRMAN","VICE CHAIRMAN","SECRETARY/TREASURER","BOARD MEMBER","BOARD MEMBER","CEO"],"Hours":[10.0,5.0,8.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,176944],"Direct compensation":[0,0,0,0,0,148229],"Other compensation":[0,0,0,0,0,28715]},"Basic":{"value":null,"mission":"A full-service financial services organization serving members since 1936.","year":2015,"name":"MICHIGAN COMMUNITY CREDIT UNION","phone":5177872060,"website":"WWW.MICOMMUNITYCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TINA HAMILTON","year_formation":1936,"state_legal_domicile":"MI","total_volunteers":6,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"1425 PARNALL ROAD, JACKSON, MI, 49201, USA","city":"JACKSON","state":"MI","country":"USA","zip_code":49201},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":64,"Total Gross UBI":77337,"Net unrelated business taxable income":-101129,"Number of employees":64,"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":7571495,"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":6877095,"Total revenue":{"value":6877095,"LOAN INCOME":5470400,"FEES AND CHARGES":1406695},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":227745,"Investment income total":295964,"Net investment gain":-68219,"Income from invest bond proceeds":0},"Other revenues":{"value":466655,"Other total":466655,"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":6500860,"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":2534547,"Current officers":169744,"Disqualified persons":0,"Other salaries and wages":1784067,"Pension plan contributions":99050,"Other employee benefits":303598,"Payroll taxes":178088},"Other expenses":{"value":3966313,"Management services":0,"Legal":13277,"Accounting":51580,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":331539,"Office expenses":360925,"Information technology":396601,"Royalties":0,"Occupancy":233265,"Travel":0,"Conferences and meetings":82013,"Interest":377638,"Payments to affiliates":0,"Depreciation and depletion":265970,"Insurance":39553,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1263711,"PROVISION FOR LOAN LOSS":519000,"ORIGINATION FEES":319580,"CREDIT CARD EXPENSE":220705,"MISCELLANEOUS EXPENSE":204426},"All other expenses":550241},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":147031925,"Non-interest bearing cash":1285945,"Savings and temp cash investments":20463080,"Pledges and grants receivable":0,"Accounts receivable":3177,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":116918733,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1197418,"Land, building, equipment":2147751,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":5015821},"Liabilities":{"value":133145524,"Sum of Total Liabilities":0,"Accounts payable, accrued":1514390,"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":131631134},"Fund balance":{"value":13886401,"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":0.14140338202693128,"percentile":0.6870869278385645},"Liabilities to Assets Ratio":{"score":0.9055551983013213,"percentile":0.06374573318715966},"Operating Reserve Ratio":{"score":22.617303710585983,"percentile":0.9533916878643579},"Officer Compensation Ratio":{"score":0.027218552622268438,"percentile":0.8745733309174344},"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":0.6383786106715625,"percentile":0.7122334429182725}},"source_xml":"201631189349300103_public.xml"},{"Organization":{"value":null,"Person":["VICTOR MARSHALL","HOWARD ADAMS","KATHY EGAN","JESSICA BOTKE","BOB STOWE","TOM RUNKEL","BOB ARTHUR","TOM MAINO","TINA HAMILTON","STEVE COBB"],"Title":["BOARD CHAIRMAN","VICE CHAIRMAN","SECRETARY/TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER-EMERITUS","BOARD MEMBER","BOARD MEMBER","CFO/INTERIM CEO","CEO/FORMER CEO"],"Hours":[10.0,5.0,8.0,2.0,2.0,0.0,2.0,2.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,114884,112675],"Direct compensation":[0,0,0,0,0,0,0,0,95801,103377],"Other compensation":[0,0,0,0,0,0,0,0,19083,9298]},"Basic":{"value":null,"mission":"A full-service financial services organization serving members since 1936.","year":2013,"name":"CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN EECU A COMMUNITY CREDIT UNION","phone":5177872060,"website":"WWW.MICOMMUNITYCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN ROOD","year_formation":1936,"state_legal_domicile":"MI","total_volunteers":8,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"1425 PARNALL ROAD, JACKSON, MI, 49201, USA","city":"JACKSON","state":"MI","country":"USA","zip_code":49201},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":56,"Total Gross UBI":149637,"Net unrelated business taxable income":-55990,"Number of employees":56,"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":6796336,"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":6059243,"Total revenue":{"value":6059243,"LOAN INCOME":4926038,"FEES AND CHARGES":1133205},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":305627,"Investment income total":339677,"Net investment gain":-34050,"Income from invest bond proceeds":0},"Other revenues":{"value":431466,"Other total":431466,"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":6117765,"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":2421187,"Current officers":227561,"Disqualified persons":0,"Other salaries and wages":1596416,"Pension plan contributions":89243,"Other employee benefits":351768,"Payroll taxes":156199},"Other expenses":{"value":3696578,"Management services":0,"Legal":128922,"Accounting":61190,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":290723,"Office expenses":419977,"Information technology":224927,"Royalties":0,"Occupancy":232056,"Travel":0,"Conferences and meetings":111940,"Interest":392197,"Payments to affiliates":0,"Depreciation and depletion":221082,"Insurance":88156,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1199545,"CREDIT CARD EXPENSE":415394,"PROVISION FOR LOAN LOSS":337000,"ORIGINATION FEES":256019,"FEES":191132},"All other expenses":325863},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":121527630,"Non-interest bearing cash":1003389,"Savings and temp cash investments":23661574,"Pledges and grants receivable":0,"Accounts receivable":8904,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":90742179,"Inventories for sale or use":0,"Prepaid expenses deferred charges":236992,"Land, building, equipment":1970031,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":3904561},"Liabilities":{"value":109552094,"Sum of Total Liabilities":0,"Accounts payable, accrued":3038373,"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":106513721},"Fund balance":{"value":11975536,"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":0.09984365104962438,"percentile":0.622960254787403},"Liabilities to Assets Ratio":{"score":0.9014583268018969,"percentile":0.06442907872894452},"Operating Reserve Ratio":{"score":19.864710396688988,"percentile":0.945532357946502},"Officer Compensation Ratio":{"score":0.03719642712657319,"percentile":0.8218751510954327},"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":0.6195536716154761,"percentile":0.6614691314645298}},"source_xml":"201403239349300425_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["Victor Marshall","Cherly Marks","Kathy Egan","Jessica Botke","Bob Stowe","Howard Adams","Teresa Mayer"],"Title":["Board Chairman","Vice Chairman","Secretary/Treasurer","Board Member","Board Member","Board Member","Interim CEO"],"Hours":[10.0,5.0,8.0,2.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,20769],"Direct compensation":[0,0,0,0,0,0,20769],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"A full-service financial services organization serving members since 1936.","year":2016,"name":"Michigan Community Credit Union Michigan EECU A Community Credit Union","phone":5177872060,"website":"www.micommunitycu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Teresa Mayer","year_formation":1936,"state_legal_domicile":"MI","total_volunteers":6,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-04-30T00:00:00","address":"1425 Parnall Road, Jackson, MI, 49201, USA","city":"Jackson","state":"MI","country":"USA","zip_code":49201},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":54,"Total Gross UBI":30091,"Net unrelated business taxable income":-47644,"Number of employees":54,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"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":2648583,"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":2481122,"Total revenue":{"value":2481122,"LOAN INCOME":2024999,"FEES AND CHARGES":456123},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":46824,"Investment income total":93925,"Net investment gain":-47101,"Income from invest bond proceeds":0},"Other revenues":{"value":120637,"Other total":120637,"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":3031914,"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":937655,"Current officers":20769,"Disqualified persons":0,"Other salaries and wages":666585,"Pension plan contributions":56557,"Other employee benefits":117843,"Payroll taxes":75901},"Other expenses":{"value":2094259,"Management services":0,"Legal":13537,"Accounting":11928,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":69052,"Office expenses":140216,"Information technology":401386,"Royalties":0,"Occupancy":115377,"Travel":0,"Conferences and meetings":4675,"Interest":215268,"Payments to affiliates":0,"Depreciation and depletion":316789,"Insurance":26212,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":529403,"CREDIT CARD EXPENSE":213520,"PROVISION FOR LOAN LOSS":195000,"ORIGINATION FEES":61728,"MISCELLANEOUS EXPENSE":59155},"All other expenses":250416},"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":-0.14473059745531855,"percentile":0.18477813608756555},"Liabilities to Assets Ratio":{"score":null,"percentile":null},"Operating Reserve Ratio":{"score":0.0,"percentile":0.01998217959084195},"Officer Compensation Ratio":{"score":0.006850128334774667,"percentile":0.9738741039888218},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.1991671898170118,"percentile":0.0761868286219106},"Asset Growth":{"score":-0.3675212149073282,"percentile":0.02360893870097989},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4196666935901792,"percentile":0.15461995611136187}},"source_xml":"201721889349300222_public.xml"},"sector":"Public, Societal Benefit","donation_categories":[],"zakat_policy":null},"error":null}