{"success":true,"data":{"_id":390980210,"filings":[{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"A cooperative non-profit corporation incorporated to encourage thrift among its members create a source of credit at a fair and reasonable cost and provide an opportunity for its members to improve their economic and social conditions","primary_activities":"We have deposit transaction and investment accounts with 357 members at 123110 During 2010 we opened 6 new deposit transaction and investment accounts\n\nWe funded 21 loans during 2010 As of 123110 we had 56 consumer loans","year":2010,"name":"Western States Envelope Credit Un","type":"990","principal_officer":"Beth L Gahagan","year_formation":1933,"state_legal_domicile":"WI","tax_period_begin":"2010-01-01T00:00:00","tax_period_end":"2010-12-31T00:00:00","address":"4480 North 132nd Street, Butler, WI, 53007, USA","city":"Butler","state":"WI","country":"USA","zip_code":"53007"},"Governance":{"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":1,"Total Gross UBI":60,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Family or business relationship":false,"Delegation of management duties":false,"Conflict of interest policy":false,"Whistle blower policy":false,"Compensation process for CEO":false,"Compensation process for other employees":false,"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":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,"Federal grant audit required":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},"Revenues":{"value":28897,"Contributions":{"value":0},"Program revenue":{"value":21284,"Total revenue":{"value":21284,"VARIOUS":21284},"Unrelated business revenue":60},"Investment income":{"value":7613,"Investment income total":7613},"Other revenues":{"value":0}},"Expenses":{"value":39992,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":15897,"Current officers":14688,"Other employee benefits":1209},"Other expenses":{"value":24095,"Other services":1005,"Office expenses":11726,"Occupancy":310,"Conferences and meetings":799,"Insurance":2042,"Itemized Expenses":{"value":7399,"VARIOUS":7399},"All other expenses":814}},"Assets":{"value":1103404,"Non-interest bearing cash":109767,"Savings and temp cash investments":767645,"Accounts receivable":109,"Other net note and loans":214963,"Prepaid expenses deferred charges":2704,"Land, building, equipment":367,"Investments program related":7849},"Liabilities":{"value":794220,"Accounts payable, accrued":1679,"Other liabilities":792541},"Fund balance":{"value":309184},"Form990Details":{"program_service_accomplishments":[{"description":"We have deposit transaction and investment accounts with 357 members at 123110 During 2010 we opened 6 new deposit transaction and investment accounts"},{"description":"We funded 21 loans during 2010 As of 123110 we had 56 consumer loans"}],"program_service_revenue_detail":[{"business_code":"522100","description":"Interest on Loans","total_revenue":21224},{"business_code":"524298","description":"Insurance Sales","total_revenue":60}],"functional_expense_allocations":{"current_officers_directors":{"total":14688},"other_employee_benefits":{"total":1209},"other_service_fees":{"total":1005},"office_expenses":{"total":11726},"occupancy":{"total":310},"conferences_meetings":{"total":799},"insurance":{"total":2042},"all_other_expenses":{"total":814}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"backup_withholding_compliance":true,"employment_tax_returns_filed":true,"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":"Beth L Gahagan"},"audit_financial_statement_detail":{"accountant_compile_or_review":false,"federal_grant_audit_required":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},"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":"Beth L Gahagan","phone":"2627812520","address_line1":"4480 North 132nd Street","city":"Butler","state":"WI","zip":"53007"},"officers_directors_key_employees":[{"title":"Chair","reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true,"officer":true},{"title":"Director","reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"President","reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true,"officer":true},{"title":"Treasurer","reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true,"officer":true},{"title":"Vice Chair","reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true,"officer":true},{"title":"Secretary","reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true,"officer":true},{"title":"Director","reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Office Mgr","average_hours_per_week":16.0,"reportable_comp_from_org":14688,"reportable_comp_from_related_orgs":0,"other_compensation":0,"officer":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"land_buildings_equipment":{"equipment":{"other_cost_or_other_basis":820,"depreciation":820},"other_land_buildings":{"other_cost_or_other_basis":8919,"book_value":367,"depreciation":8552},"total_book_value":367},"program_related_investments":{"investments":[{"description":"NCUA Capitalization","book_value":7849}],"total_book_value":7849},"other_liabilities":{"liabilities":[{"description":"Member SharesCertificates","amount":792541}],"total_liability":792541}},"source_xml":"201121199349300407_public.xml"}],"Latest":{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"A cooperative non-profit corporation incorporated to encourage thrift among its members create a source of credit at a fair and reasonable cost and provide an opportunity for its members to improve their economic and social conditions","primary_activities":"We have deposit transaction and investment accounts with 357 members at 123110 During 2010 we opened 6 new deposit transaction and investment accounts\n\nWe funded 21 loans during 2010 As of 123110 we had 56 consumer loans","year":2010,"name":"Western States Envelope Credit Un","type":"990","principal_officer":"Beth L Gahagan","year_formation":1933,"state_legal_domicile":"WI","tax_period_begin":"2010-01-01T00:00:00","tax_period_end":"2010-12-31T00:00:00","address":"4480 North 132nd Street, Butler, WI, 53007, USA","city":"Butler","state":"WI","country":"USA","zip_code":"53007"},"Governance":{"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":1,"Total Gross UBI":60,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Family or business relationship":false,"Delegation of management duties":false,"Conflict of interest policy":false,"Whistle blower policy":false,"Compensation process for CEO":false,"Compensation process for other employees":false,"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":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,"Federal grant audit required":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},"Revenues":{"value":28897,"Contributions":{"value":0},"Program revenue":{"value":21284,"Total revenue":{"value":21284,"VARIOUS":21284},"Unrelated business revenue":60},"Investment income":{"value":7613,"Investment income total":7613},"Other revenues":{"value":0}},"Expenses":{"value":39992,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":15897,"Current officers":14688,"Other employee benefits":1209},"Other expenses":{"value":24095,"Other services":1005,"Office expenses":11726,"Occupancy":310,"Conferences and meetings":799,"Insurance":2042,"Itemized Expenses":{"value":7399,"VARIOUS":7399},"All other expenses":814}},"Assets":{"value":1103404,"Non-interest bearing cash":109767,"Savings and temp cash investments":767645,"Accounts receivable":109,"Other net note and loans":214963,"Prepaid expenses deferred charges":2704,"Land, building, equipment":367,"Investments program related":7849},"Liabilities":{"value":794220,"Accounts payable, accrued":1679,"Other liabilities":792541},"Fund balance":{"value":309184},"Form990Details":{"program_service_accomplishments":[{"description":"We have deposit transaction and investment accounts with 357 members at 123110 During 2010 we opened 6 new deposit transaction and investment accounts"},{"description":"We funded 21 loans during 2010 As of 123110 we had 56 consumer loans"}],"program_service_revenue_detail":[{"business_code":"522100","description":"Interest on Loans","total_revenue":21224},{"business_code":"524298","description":"Insurance Sales","total_revenue":60}],"functional_expense_allocations":{"current_officers_directors":{"total":14688},"other_employee_benefits":{"total":1209},"other_service_fees":{"total":1005},"office_expenses":{"total":11726},"occupancy":{"total":310},"conferences_meetings":{"total":799},"insurance":{"total":2042},"all_other_expenses":{"total":814}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"backup_withholding_compliance":true,"employment_tax_returns_filed":true,"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":"Beth L Gahagan"},"audit_financial_statement_detail":{"accountant_compile_or_review":false,"federal_grant_audit_required":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},"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":"Beth L Gahagan","phone":"2627812520","address_line1":"4480 North 132nd Street","city":"Butler","state":"WI","zip":"53007"},"officers_directors_key_employees":[{"title":"Chair","reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true,"officer":true},{"title":"Director","reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"President","reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true,"officer":true},{"title":"Treasurer","reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true,"officer":true},{"title":"Vice Chair","reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true,"officer":true},{"title":"Secretary","reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true,"officer":true},{"title":"Director","reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"Office Mgr","average_hours_per_week":16.0,"reportable_comp_from_org":14688,"reportable_comp_from_related_orgs":0,"other_compensation":0,"officer":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"land_buildings_equipment":{"equipment":{"other_cost_or_other_basis":820,"depreciation":820},"other_land_buildings":{"other_cost_or_other_basis":8919,"book_value":367,"depreciation":8552},"total_book_value":367},"program_related_investments":{"investments":[{"description":"NCUA Capitalization","book_value":7849}],"total_book_value":7849},"other_liabilities":{"liabilities":[{"description":"Member SharesCertificates","amount":792541}],"total_liability":792541}},"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":-0.3839498909921445,"percentile":0.1346948797651427},"Operating Reserve Ratio":{"score":27.590618123624726,"percentile":0.9627180111843198},"Liabilities to Assets Ratio":{"score":0.7197907566041087,"percentile":0.10259348402399888},"Officer Compensation Ratio":{"score":0.3672734546909382,"percentile":0.11170599080057357},"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":0.3333333333333333,"weight":5,"atoms":{"Conflict of interest policy":{"value":false},"Whistle blower policy":{"value":false},"Document retention policy":{"value":true},"Compensation process for CEO":{"value":false},"Compensation process for other employees":{"value":false},"Form 990 provided to governing body":{"value":true},"Minutes of governing body":{"value":true},"Audit committee":{"value":false},"Independent audit financial statements":{"value":false}}},"Categories":{"Financial Efficiency":{"score":null,"weight":45},"Transparency & Controls":{"score":1.0,"weight":20},"Accountability":{"score":0.7222222222222222,"weight":14},"Sustainability":{"score":0.37174988492305205,"weight":13},"Growth":{"score":null,"weight":8}},"Overall Score":{"score":0.7434863747895912,"percentile":0.4782071500023396}},"source_xml":"201121199349300407_public.xml"},"sector":"Public, Societal Benefit","donation_categories":[],"zakat_policy":null},"error":null}