{"success":true,"data":{"_id":381738072,"filings":[{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"Our mission is to service the financial needs of our membership including consumer loans to our membership and servicing of their related share and share draft accounts.","primary_activities":"The Credit Union provides several deposit account types to members including savings, checking, IRA and other. The total number of members at 12/31/2010 was 1,789.\n\nThe Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2010 was 888.","year":2010,"name":"St Cletus Credit Union","phone":"5867565010","website":"www.stcletuscu.org","type":"990","principal_officer":"Stephen J Samoranski","year_formation":1962,"state_legal_domicile":"MI","total_volunteers":10,"tax_period_begin":"2010-01-01T00:00:00","tax_period_end":"2010-12-31T00:00:00","address":"26256 Ryan Road, Warren, MI, 48091, USA","city":"Warren","state":"MI","country":"USA","zip_code":"48091"},"Governance":{"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":7,"Total Gross UBI":2530,"Number of employees":7,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Family or business relationship":true,"Delegation of management duties":false,"Conflict of interest policy":true,"Whistle blower policy":false,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":false,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":false,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":false,"Independent audit financial statements":false,"Consolidated audit financial statements":false,"Accountant compile or review":false,"Financial statements audited by independent accountant":false,"Audit committee":false,"Federal grant audit required":false,"Federal grant audit performed":false,"Political activities":false,"Donor advised funds":false,"Conservation easements":false,"Collections of art":false,"School":false,"Hospital":false,"Foreign activities":false,"Foreign office":false,"Gaming":false,"Fundraising activities":false,"Professional fundraising":false,"Loan to officer or DQP":false,"Grant to related person":false,"Business relationship through family member":false,"Business relationship with organization":false,"Transfers to exempt non-charitable organization":false},"Revenues":{"value":600233,"Contributions":{"value":0},"Program revenue":{"value":537103,"Total revenue":{"value":537103,"VARIOUS":537103},"Unrelated business revenue":2530},"Investment income":{"value":60600,"Investment income total":60600,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2530,"Other total":2530,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0}},"Expenses":{"value":561237,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":222906,"Current officers":66786,"Disqualified persons":0,"Other salaries and wages":124139,"Pension plan contributions":9156,"Other employee benefits":6822,"Payroll taxes":16003},"Other expenses":{"value":338331,"Management services":0,"Legal":0,"Accounting":10303,"Lobbying services":0,"Investment management fees":0,"Other services":21581,"Advertising":5364,"Office expenses":62844,"Information technology":27644,"Royalties":0,"Occupancy":9727,"Travel":1978,"Conferences and meetings":0,"Interest":66108,"Payments to affiliates":0,"Depreciation and depletion":2256,"Insurance":11287,"Travel entertainment public officials":0,"Itemized Expenses":{"value":119239,"VARIOUS":119239},"All other expenses":0}},"Assets":{"value":12964146,"Non-interest bearing cash":127203,"Savings and temp cash investments":3214958,"Pledges and grants receivable":0,"Accounts receivable":500,"Receivables from officers":247485,"Receivables from disqual persons":0,"Other net note and loans":7196969,"Inventories for sale or use":0,"Prepaid expenses deferred charges":20103,"Land, building, equipment":4952,"Investments publicly traded":0,"Investments other":2031582,"Investments program related":0,"Intangible assets":0,"Other assets":120394},"Liabilities":{"value":11558894,"Accounts payable, accrued":148716,"Other liabilities":11410178},"Fund balance":{"value":1405252},"Form990Details":{"program_service_accomplishments":[{"description":"The Credit Union provides several deposit account types to members including savings, checking, IRA and other. The total number of members at 12/31/2010 was 1,789."},{"description":"The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2010 was 888."}],"program_service_revenue_detail":[{"business_code":"525990","description":"Miscellaneous Oper Income","total_revenue":860,"related_or_exempt_function_income":860},{"business_code":"522100","description":"Loan Interest","total_revenue":468207,"related_or_exempt_function_income":468207},{"business_code":"525990","description":"Fees and Other Charges","total_revenue":42985,"related_or_exempt_function_income":42985},{"business_code":"525990","description":"Debit Card Interchange","total_revenue":25051,"related_or_exempt_function_income":25051}],"functional_expense_allocations":{"current_officers_directors":{"total":66786},"disqualified_persons":{"total":0},"other_salaries_and_wages":{"total":124139},"pension_plan_contributions":{"total":9156},"other_employee_benefits":{"total":6822},"payroll_taxes":{"total":16003},"management_fees":{"total":0},"legal_fees":{"total":0},"accounting_fees":{"total":10303},"lobbying_fees":{"total":0},"professional_fundraising_fees":{"total":0},"investment_management_fees":{"total":0},"other_service_fees":{"total":21581},"advertising":{"total":5364},"office_expenses":{"total":62844},"information_technology":{"total":27644},"royalties":{"total":0},"occupancy":{"total":9727},"travel":{"total":1978},"conferences_meetings":{"total":0},"interest":{"total":66108},"payments_to_affiliates":{"total":0},"depreciation_depletion":{"total":2256},"insurance":{"total":11287},"all_other_expenses":{"total":0}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"backup_withholding_compliance":true,"employment_tax_returns_filed":true,"lobbying_activities":false,"deductible_non_cash_contributions":false,"deductible_contributions_of_art":false,"method_of_accounting_accrual":true,"schedule_o_part_vi":true},"principal_officer_detail":{"person_name":"Stephen J Samoranski","address_line1":"26256 Ryan Road","city":"Warren","state":"MI","zip":"48091"},"audit_financial_statement_detail":{"accountant_compile_or_review":false,"federal_grant_audit_required":false,"federal_grant_audit_performed":false},"related_party_due_diligence":{"officer_entity_with_business_relationship":false,"officer_mailing_address":false,"related_entity":false,"related_org_controlled_entity":false,"compensation_from_other_sources":false,"excess_benefit_transaction":false,"excess_business_holdings":false,"distribution_to_donor":false,"annual_disclosure_covered_persons":true},"grant_due_diligence":{"grants_to_organizations":false,"grants_to_individuals":false,"more_than_5000_to_organizations":false,"more_than_5000_to_individuals":false},"books_are_in_care_of":{"person_name":"Stephen J Samoranski","phone":"5867565010","address_line1":"26256 Ryan Road","city":"Warren","state":"MI","zip":"48091"},"officers_directors_key_employees":[{"title":"Director","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"CEO","average_hours_per_week":41.0,"reportable_comp_from_org":60860,"reportable_comp_from_related_orgs":0,"other_compensation":5926,"officer":true},{"title":"President","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Vice President","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Director","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Treasurer","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Secretary","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Director","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"land_buildings_equipment":{"leasehold_improvements":{"other_cost_or_other_basis":18801,"book_value":3316,"depreciation":15485},"equipment":{"other_cost_or_other_basis":47292,"book_value":1636,"depreciation":45656},"total_book_value":4952},"securities":{"total_book_value":2031582},"other_liabilities":{"liabilities":[{"description":"Member Share Accounts","amount":11410178}],"total_liability":11410178}},"ScheduleI":{"reported_domestic_org_grants":0,"reported_domestic_individual_grants":0,"total_domestic_grants":0},"ScheduleF":{"reported_foreign_grants":0},"source_xml":"201121059349300202_public.xml"},{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"Our mission is to service the financial needs of our membership including consumer loans to our membership and servicing of their related share and share draft accounts.","primary_activities":"The Credit Union provides several deposit account types to members including savings, checking, IRA and other. The total number of members at 12/31/2011 was 1,626.\n\nThe Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2011 was 975.","year":2011,"name":"St Cletus Credit Union","phone":"5867565010","website":"www.stcletuscu.org","type":"990","year_formation":1962,"state_legal_domicile":"MI","total_volunteers":2,"tax_period_begin":"2011-01-01T00:00:00","tax_period_end":"2011-12-31T00:00:00","address":"26256 Ryan Road, Warren, MI, 48091, USA","city":"Warren","state":"MI","country":"USA","zip_code":"48091"},"Governance":{"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":7,"Total Gross UBI":3055,"Net unrelated business taxable income":-441,"Number of employees":7,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Family or business relationship":true,"Delegation of management duties":false,"Conflict of interest policy":true,"Whistle blower policy":false,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":false,"Material diversion or misuse":false,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":false,"Form 990 provided to governing body":false,"Document retention policy":true,"Investment in joint venture":false,"Independent audit financial statements":true,"Consolidated audit financial statements":false,"Accountant compile or review":false,"Financial statements audited by independent accountant":true,"Audit committee":true,"Federal grant audit required":false,"Federal grant audit performed":false,"Political activities":false,"Donor advised funds":false,"Conservation easements":false,"Collections of art":false,"School":false,"Hospital":false,"Foreign activities":false,"Foreign office":false,"Gaming":false,"Fundraising activities":false,"Professional fundraising":false,"Loan to officer or DQP":true,"Grant to related person":false,"Business relationship through family member":false,"Business relationship with organization":false,"Transfers to exempt non-charitable organization":false},"Revenues":{"value":608610,"Contributions":{"value":0},"Program revenue":{"value":545592,"Total revenue":{"value":545592,"VARIOUS":545592},"Unrelated business revenue":3055},"Investment income":{"value":59963,"Investment income total":59963,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":3055,"Other total":3055,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0}},"Expenses":{"value":579026,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":246074,"Current officers":68727,"Disqualified persons":0,"Other salaries and wages":133675,"Pension plan contributions":10560,"Other employee benefits":16931,"Payroll taxes":16181},"Other expenses":{"value":332952,"Management services":0,"Legal":0,"Accounting":12852,"Lobbying services":0,"Investment management fees":0,"Other services":16830,"Advertising":5022,"Office expenses":67709,"Information technology":31738,"Royalties":0,"Occupancy":9419,"Travel":603,"Conferences and meetings":0,"Interest":53537,"Payments to affiliates":0,"Depreciation and depletion":4068,"Insurance":11713,"Travel entertainment public officials":0,"Itemized Expenses":{"value":115211,"VARIOUS":115211},"All other expenses":4250}},"Assets":{"value":14402337,"Non-interest bearing cash":128487,"Savings and temp cash investments":3529306,"Pledges and grants receivable":0,"Accounts receivable":430,"Receivables from officers":226013,"Receivables from disqual persons":0,"Other net note and loans":7341753,"Inventories for sale or use":0,"Prepaid expenses deferred charges":12770,"Land, building, equipment":14097,"Investments publicly traded":0,"Investments other":3001354,"Investments program related":0,"Intangible assets":0,"Other assets":148127},"Liabilities":{"value":12967501,"Accounts payable, accrued":191946,"Other liabilities":12775555},"Fund balance":{"value":1434836},"Form990Details":{"program_service_accomplishments":[{"description":"The Credit Union provides several deposit account types to members including savings, checking, IRA and other. The total number of members at 12/31/2011 was 1,626."},{"description":"The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2011 was 975."}],"program_service_revenue_detail":[{"business_code":"525990","description":"Miscellaneous Oper Income","total_revenue":954,"related_or_exempt_function_income":954},{"business_code":"522100","description":"Loan Interest","total_revenue":465988,"related_or_exempt_function_income":465988},{"business_code":"525990","description":"Fees and Other Charges","total_revenue":37319,"related_or_exempt_function_income":37319},{"business_code":"525990","description":"Debit Card Interchange","total_revenue":41331,"related_or_exempt_function_income":41331}],"functional_expense_allocations":{"current_officers_directors":{"total":68727},"disqualified_persons":{"total":0},"other_salaries_and_wages":{"total":133675},"pension_plan_contributions":{"total":10560},"other_employee_benefits":{"total":16931},"payroll_taxes":{"total":16181},"management_fees":{"total":0},"legal_fees":{"total":0},"accounting_fees":{"total":12852},"lobbying_fees":{"total":0},"professional_fundraising_fees":{"total":0},"investment_management_fees":{"total":0},"other_service_fees":{"total":16830},"advertising":{"total":5022},"office_expenses":{"total":67709},"information_technology":{"total":31738},"royalties":{"total":0},"occupancy":{"total":9419},"travel":{"total":603},"conferences_meetings":{"total":0},"interest":{"total":53537},"payments_to_affiliates":{"total":0},"depreciation_depletion":{"total":4068},"insurance":{"total":11713},"all_other_expenses":{"total":4250}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"backup_withholding_compliance":true,"employment_tax_returns_filed":true,"lobbying_activities":false,"deductible_non_cash_contributions":false,"deductible_contributions_of_art":false,"method_of_accounting_accrual":true,"schedule_o_part_vi":true},"audit_financial_statement_detail":{"accountant_compile_or_review":false,"audited_financial_statement_separate":true,"federal_grant_audit_required":false,"federal_grant_audit_performed":false},"related_party_due_diligence":{"officer_entity_with_business_relationship":false,"officer_mailing_address":false,"related_entity":false,"related_org_controlled_entity":false,"compensation_from_other_sources":false,"excess_benefit_transaction":false,"excess_business_holdings":false,"distribution_to_donor":false,"annual_disclosure_covered_persons":true},"grant_due_diligence":{"grants_to_organizations":false,"grants_to_individuals":false,"more_than_5000_to_organizations":false,"more_than_5000_to_individuals":false},"books_are_in_care_of":{"person_name":"Stephen J Samoranski","phone":"5867565010","address_line1":"26256 Ryan Road","city":"Warren","state":"MI","zip":"48091"},"officers_directors_key_employees":[{"title":"Director","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Director","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Director","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Secretary","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Treasurer","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Vice President","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"President","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"CEO","average_hours_per_week":41.0,"reportable_comp_from_org":62484,"reportable_comp_from_related_orgs":0,"other_compensation":6243,"officer":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"land_buildings_equipment":{"leasehold_improvements":{"other_cost_or_other_basis":18801,"book_value":2297,"depreciation":16504},"equipment":{"other_cost_or_other_basis":60505,"book_value":11800,"depreciation":48705},"total_book_value":14097},"securities":{"total_book_value":3001354},"other_liabilities":{"liabilities":[{"description":"Member Share Accounts","amount":12775555}],"total_liability":12775555},"net_assets_reconciliation":{"total_revenue":608610,"total_expenses":579026,"excess_or_deficit_for_year":29584,"excess_or_deficit_per_financial_statements":29584},"revenue_reconciliation":{"total_revenue_audited_financial_statements":608610,"revenue_subtotal":608610,"total_revenue_per_990":608610},"expense_reconciliation":{"total_expenses_audited_financial_statements":579026,"expenses_subtotal":579026,"total_expenses_per_990":579026}},"ScheduleI":{"reported_domestic_org_grants":0,"reported_domestic_individual_grants":0,"total_domestic_grants":0},"ScheduleF":{"reported_foreign_grants":0},"ScheduleL":{"loans_between_organization_and_interested_persons":[{"person_name":"No loans requiring reporting","purpose":"per 10/21/11 instructions","loan_from_organization":true,"default":false,"approved_by_board":true,"written_agreement":true,"name":"No loans requiring reporting"}]},"source_xml":"201231319349300013_public.xml"}],"Latest":{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"Our mission is to service the financial needs of our membership including consumer loans to our membership and servicing of their related share and share draft accounts.","primary_activities":"The Credit Union provides several deposit account types to members including savings, checking, IRA and other. The total number of members at 12/31/2011 was 1,626.\n\nThe Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2011 was 975.","year":2011,"name":"St Cletus Credit Union","phone":"5867565010","website":"www.stcletuscu.org","type":"990","year_formation":1962,"state_legal_domicile":"MI","total_volunteers":2,"tax_period_begin":"2011-01-01T00:00:00","tax_period_end":"2011-12-31T00:00:00","address":"26256 Ryan Road, Warren, MI, 48091, USA","city":"Warren","state":"MI","country":"USA","zip_code":"48091"},"Governance":{"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":7,"Total Gross UBI":3055,"Net unrelated business taxable income":-441,"Number of employees":7,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Family or business relationship":true,"Delegation of management duties":false,"Conflict of interest policy":true,"Whistle blower policy":false,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":false,"Material diversion or misuse":false,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":false,"Form 990 provided to governing body":false,"Document retention policy":true,"Investment in joint venture":false,"Independent audit financial statements":true,"Consolidated audit financial statements":false,"Accountant compile or review":false,"Financial statements audited by independent accountant":true,"Audit committee":true,"Federal grant audit required":false,"Federal grant audit performed":false,"Political activities":false,"Donor advised funds":false,"Conservation easements":false,"Collections of art":false,"School":false,"Hospital":false,"Foreign activities":false,"Foreign office":false,"Gaming":false,"Fundraising activities":false,"Professional fundraising":false,"Loan to officer or DQP":true,"Grant to related person":false,"Business relationship through family member":false,"Business relationship with organization":false,"Transfers to exempt non-charitable organization":false},"Revenues":{"value":608610,"Contributions":{"value":0},"Program revenue":{"value":545592,"Total revenue":{"value":545592,"VARIOUS":545592},"Unrelated business revenue":3055},"Investment income":{"value":59963,"Investment income total":59963,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":3055,"Other total":3055,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0}},"Expenses":{"value":579026,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":246074,"Current officers":68727,"Disqualified persons":0,"Other salaries and wages":133675,"Pension plan contributions":10560,"Other employee benefits":16931,"Payroll taxes":16181},"Other expenses":{"value":332952,"Management services":0,"Legal":0,"Accounting":12852,"Lobbying services":0,"Investment management fees":0,"Other services":16830,"Advertising":5022,"Office expenses":67709,"Information technology":31738,"Royalties":0,"Occupancy":9419,"Travel":603,"Conferences and meetings":0,"Interest":53537,"Payments to affiliates":0,"Depreciation and depletion":4068,"Insurance":11713,"Travel entertainment public officials":0,"Itemized Expenses":{"value":115211,"VARIOUS":115211},"All other expenses":4250}},"Assets":{"value":14402337,"Non-interest bearing cash":128487,"Savings and temp cash investments":3529306,"Pledges and grants receivable":0,"Accounts receivable":430,"Receivables from officers":226013,"Receivables from disqual persons":0,"Other net note and loans":7341753,"Inventories for sale or use":0,"Prepaid expenses deferred charges":12770,"Land, building, equipment":14097,"Investments publicly traded":0,"Investments other":3001354,"Investments program related":0,"Intangible assets":0,"Other assets":148127},"Liabilities":{"value":12967501,"Accounts payable, accrued":191946,"Other liabilities":12775555},"Fund balance":{"value":1434836},"Form990Details":{"program_service_accomplishments":[{"description":"The Credit Union provides several deposit account types to members including savings, checking, IRA and other. The total number of members at 12/31/2011 was 1,626."},{"description":"The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2011 was 975."}],"program_service_revenue_detail":[{"business_code":"525990","description":"Miscellaneous Oper Income","total_revenue":954,"related_or_exempt_function_income":954},{"business_code":"522100","description":"Loan Interest","total_revenue":465988,"related_or_exempt_function_income":465988},{"business_code":"525990","description":"Fees and Other Charges","total_revenue":37319,"related_or_exempt_function_income":37319},{"business_code":"525990","description":"Debit Card Interchange","total_revenue":41331,"related_or_exempt_function_income":41331}],"functional_expense_allocations":{"current_officers_directors":{"total":68727},"disqualified_persons":{"total":0},"other_salaries_and_wages":{"total":133675},"pension_plan_contributions":{"total":10560},"other_employee_benefits":{"total":16931},"payroll_taxes":{"total":16181},"management_fees":{"total":0},"legal_fees":{"total":0},"accounting_fees":{"total":12852},"lobbying_fees":{"total":0},"professional_fundraising_fees":{"total":0},"investment_management_fees":{"total":0},"other_service_fees":{"total":16830},"advertising":{"total":5022},"office_expenses":{"total":67709},"information_technology":{"total":31738},"royalties":{"total":0},"occupancy":{"total":9419},"travel":{"total":603},"conferences_meetings":{"total":0},"interest":{"total":53537},"payments_to_affiliates":{"total":0},"depreciation_depletion":{"total":4068},"insurance":{"total":11713},"all_other_expenses":{"total":4250}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"backup_withholding_compliance":true,"employment_tax_returns_filed":true,"lobbying_activities":false,"deductible_non_cash_contributions":false,"deductible_contributions_of_art":false,"method_of_accounting_accrual":true,"schedule_o_part_vi":true},"audit_financial_statement_detail":{"accountant_compile_or_review":false,"audited_financial_statement_separate":true,"federal_grant_audit_required":false,"federal_grant_audit_performed":false},"related_party_due_diligence":{"officer_entity_with_business_relationship":false,"officer_mailing_address":false,"related_entity":false,"related_org_controlled_entity":false,"compensation_from_other_sources":false,"excess_benefit_transaction":false,"excess_business_holdings":false,"distribution_to_donor":false,"annual_disclosure_covered_persons":true},"grant_due_diligence":{"grants_to_organizations":false,"grants_to_individuals":false,"more_than_5000_to_organizations":false,"more_than_5000_to_individuals":false},"books_are_in_care_of":{"person_name":"Stephen J Samoranski","phone":"5867565010","address_line1":"26256 Ryan Road","city":"Warren","state":"MI","zip":"48091"},"officers_directors_key_employees":[{"title":"Director","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Director","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Director","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Secretary","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Treasurer","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Vice President","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"President","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"CEO","average_hours_per_week":41.0,"reportable_comp_from_org":62484,"reportable_comp_from_related_orgs":0,"other_compensation":6243,"officer":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"land_buildings_equipment":{"leasehold_improvements":{"other_cost_or_other_basis":18801,"book_value":2297,"depreciation":16504},"equipment":{"other_cost_or_other_basis":60505,"book_value":11800,"depreciation":48705},"total_book_value":14097},"securities":{"total_book_value":3001354},"other_liabilities":{"liabilities":[{"description":"Member Share Accounts","amount":12775555}],"total_liability":12775555},"net_assets_reconciliation":{"total_revenue":608610,"total_expenses":579026,"excess_or_deficit_for_year":29584,"excess_or_deficit_per_financial_statements":29584},"revenue_reconciliation":{"total_revenue_audited_financial_statements":608610,"revenue_subtotal":608610,"total_revenue_per_990":608610},"expense_reconciliation":{"total_expenses_audited_financial_statements":579026,"expenses_subtotal":579026,"total_expenses_per_990":579026}},"ScheduleI":{"reported_domestic_org_grants":0,"reported_domestic_individual_grants":0,"total_domestic_grants":0},"ScheduleF":{"reported_foreign_grants":0},"ScheduleL":{"loans_between_organization_and_interested_persons":[{"person_name":"No loans requiring reporting","purpose":"per 10/21/11 instructions","loan_from_organization":true,"default":false,"approved_by_board":true,"written_agreement":true,"name":"No loans requiring reporting"}]},"Ratings":{"Mission Deployment Rate":{"score":null},"Program Expense Ratio":{"score":null},"Fundraising Efficiency":{"score":null,"percentile":null},"Filing Consistency Score":{"score":1.0},"Grant Itemization Coverage":{"score":null},"Independent Voting Board Pct":{"score":1.0},"Operating Margin":{"score":0.04860912571268957,"percentile":0.5489047726978371},"Operating Reserve Ratio":{"score":24.873385651076116,"percentile":0.9580643375228393},"Liabilities to Assets Ratio":{"score":0.9003747794541955,"percentile":0.07619820008371704},"Officer Compensation Ratio":{"score":0.11869415190336877,"percentile":0.4720944524106594},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Foreign Oversight Score":{"score":null},"Major-Donor Itemization":{"score":null},"Related-Party Transparency":{"score":null},"Pay-Setting Controls":{"score":null,"weight":5,"atoms":{"Compensation committee":{"value":null},"Independent compensation consultant":{"value":null},"Form 990 of other organizations reviewed":{"value":null},"Written employment contract":{"value":null},"Compensation survey or study":{"value":null},"Board or committee approval":{"value":null}}},"Governance Policy Score":{"score":0.7777777777777778,"weight":5,"atoms":{"Conflict of interest policy":{"value":true},"Whistle blower policy":{"value":false},"Document retention policy":{"value":true},"Compensation process for CEO":{"value":true},"Compensation process for other employees":{"value":true},"Form 990 provided to governing body":{"value":false},"Minutes of governing body":{"value":true},"Audit committee":{"value":true},"Independent audit financial statements":{"value":true}}},"Categories":{"Financial Efficiency":{"score":null,"weight":45},"Transparency & Controls":{"score":1.0,"weight":20},"Accountability":{"score":0.9074074074074074,"weight":14},"Sustainability":{"score":0.6045967749520968,"weight":13},"Growth":{"score":null,"weight":8}},"Overall Score":{"score":0.8630523782570417,"percentile":0.8675065539791158}},"source_xml":"201231319349300013_public.xml"},"sector":"Public, Societal Benefit","donation_categories":[],"zakat_policy":null},"error":null}