{"success":true,"data":{"_id":410787859,"filings":[{"Organization":{"value":null,"Person":["TIM AMLIE","GAY PIRRI","BETTY MAGNUSON","JANET SCHMIEL","MARY KAY MYRMEL","THERESA MYRE","THOMAS OPITZ","VERNONE FEYEREISEN"],"Title":["PRESIDENT","VICE PRESIDE","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","MANAGER/TREA"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,103526],"Direct compensation":[0,0,0,0,0,0,0,88800],"Other compensation":[0,0,0,0,0,0,0,14726]},"Basic":{"value":null,"mission":"The purpose of the wmscu shall be to provide financial services to meet members needs while maintaining the credit union's long-term financial stability and safeguarding the asets of its members.","year":2014,"name":"WEST METRO SCHOOLS CREDIT UNION","phone":9529884165,"website":"WWW.WESTMETROSCHOOLSCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"VERNONE FEYEREISEN","year_formation":1954,"state_legal_domicile":"MN","total_volunteers":10,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"1001 HIGHWAY 7 ROOM/SUITE RM 249, HOPKINS, MN, 55305, USA","city":"HOPKINS","state":"MN","country":"USA","zip_code":55305},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":5,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":924988,"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":793242,"Total revenue":{"value":793242,"INTEREST ON LOANS":682969,"OTHER MEMBER RELATD REVENUE":90213,"FEES AND OTHER CHARGES":20060},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":127643,"Investment income total":127543,"Net investment gain":100,"Income from invest bond proceeds":0},"Other revenues":{"value":4103,"Other total":0,"Royalties revenue":4103,"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":746485,"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":340258,"Current officers":88800,"Disqualified persons":0,"Other salaries and wages":176563,"Pension plan contributions":15922,"Other employee benefits":38281,"Payroll taxes":20692},"Other expenses":{"value":406227,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":45625,"Advertising":9719,"Office expenses":200516,"Information technology":9051,"Royalties":0,"Occupancy":19109,"Travel":5136,"Conferences and meetings":0,"Interest":2,"Payments to affiliates":0,"Depreciation and depletion":17581,"Insurance":16226,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":83262,"DIVIDENDS PAID TO MEMBERS":63595,"PROVISION FOR LOAN LOSSES":19667},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":26662758,"Non-interest bearing cash":40966,"Savings and temp cash investments":6254396,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":11513053,"Inventories for sale or use":0,"Prepaid expenses deferred charges":28618,"Land, building, equipment":43284,"Investments publicly traded":0,"Investments other":0,"Investments program related":8027387,"Intangible assets":0,"Other assets":755054},"Liabilities":{"value":21822430,"Sum of Total Liabilities":0,"Accounts payable, accrued":537656,"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":21284774},"Fund balance":{"value":4840328,"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":0.19297871972393155,"percentile":0.7491661875578166},"Liabilities to Assets Ratio":{"score":0.8184610909344037,"percentile":0.07644498085157636},"Operating Reserve Ratio":{"score":35.71774114684153,"percentile":0.9731521733199495},"Officer Compensation Ratio":{"score":0.1386846353242195,"percentile":0.4394756262005219},"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":0.6222293425790887,"percentile":0.6688857633505273}},"source_xml":"201510849349300821_public.xml"},{"Organization":{"value":null,"Person":["MARY KAY MYRMEL","LISA WALKER","BETTY MAGNUSON","GAY PIRRI","JOHN TOOP","THERESA MYRE","THOMAS OPITZ","CRYSTAL SCHUMAN","VERNONE FEYEREISEN"],"Title":["CAHIR","VICE CHAIR","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT","PRES (PARTIA"],"Hours":[2.0,2.0,1.5,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,91610,103492],"Direct compensation":[0,0,0,0,0,0,0,76546,101081],"Other compensation":[0,0,0,0,0,0,0,15064,2411]},"Basic":{"value":null,"mission":"We are a not-for-profit, member owned and controlled financial organization. we provide financial services and build life-long relationships while maintating financial stability and safeguarding member assets.","year":2017,"name":"WEST METRO SCHOOLS CREDIT UNION","phone":9529884165,"website":"WWW.WESTMETROSCHOOLSCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CRYSTAL SCHUMAN","year_formation":1954,"state_legal_domicile":"MN","total_volunteers":10,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"1001 HIGHWAY 7 RM 249, HOPKINS, MN, 55305, USA","city":"HOPKINS","state":"MN","country":"USA","zip_code":55305},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1155811,"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":969504,"Total revenue":{"value":969504,"INTEREST ON LOANS":844871,"OTHER MEMBER RELATD REVENUE":99504,"MEMBER FEE INCOME":25129},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":183624,"Investment income total":183624,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2683,"Other total":0,"Royalties revenue":2683,"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":967115,"Grant expense":{"value":4000,"Grants to domestic orgs":2000,"Grants to domestic individuals":2000,"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":371037,"Current officers":177627,"Disqualified persons":0,"Other salaries and wages":101671,"Pension plan contributions":15622,"Other employee benefits":54113,"Payroll taxes":22004},"Other expenses":{"value":592078,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":6650,"Advertising":10722,"Office expenses":272521,"Information technology":44241,"Royalties":0,"Occupancy":17235,"Travel":0,"Conferences and meetings":9028,"Interest":147,"Payments to affiliates":0,"Depreciation and depletion":17579,"Insurance":16962,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":196993,"PROVISION FOR LOAN LOSSES":124046,"DIVIDENDS PAID TO MEMBERS":72947},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":28524551,"Non-interest bearing cash":51769,"Savings and temp cash investments":7951933,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":15014955,"Inventories for sale or use":0,"Prepaid expenses deferred charges":30043,"Land, building, equipment":45563,"Investments publicly traded":0,"Investments other":0,"Investments program related":4602569,"Intangible assets":0,"Other assets":827719},"Liabilities":{"value":23081818,"Sum of Total Liabilities":0,"Accounts payable, accrued":89104,"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":22992714},"Fund balance":{"value":5442733,"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":0.1632585258316455,"percentile":0.715447861985673},"Liabilities to Assets Ratio":{"score":0.8091912822746973,"percentile":0.07769860037067809},"Operating Reserve Ratio":{"score":29.494476871933536,"percentile":0.9664492097119411},"Officer Compensation Ratio":{"score":0.2017360913645223,"percentile":0.3111352266883251},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.05299307742161652,"percentile":0.6187080592107566},"Asset Growth":{"score":0.01453766411838151,"percentile":0.38088166317009486},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5921089392593476,"percentile":0.5822781974900723}},"source_xml":"201800749349301750_public.xml"},{"Organization":{"value":null,"Person":["MARY KAY MYRMEL","LISA WALKER","BETTY MAGNUSON","JOHN TOOP","THERESA MYRE","THOMAS OPITZ","COLLEEN LUCK","CRYSTAL SCHUMAN"],"Title":["CAHIR","VICE CHAIR","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT"],"Hours":[2.0,2.0,1.5,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,109213],"Direct compensation":[0,0,0,0,0,0,0,84918],"Other compensation":[0,0,0,0,0,0,0,24295]},"Basic":{"value":null,"mission":"We are a not-for-profit, member owned and controlled financial organization. we provide financial services and build life-long relationships while maintating financial stability and safeguarding member assets.","year":2019,"name":"WEST METRO SCHOOLS CREDIT UNION","phone":9529884165,"website":"WWW.WESTMETROSCHOOLSCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CRYSTAL SCHUMAN","year_formation":1954,"state_legal_domicile":"MN","total_volunteers":10,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"1001 HIGHWAY 7 RM 249, HOPKINS, MN, 55305, USA","city":"HOPKINS","state":"MN","country":"USA","zip_code":55305},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1551731,"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":1257184,"Total revenue":{"value":1257184,"INTEREST ON LOANS":1099969,"OTHER MEMBER RELATD REVENUE":130514,"MEMBER FEE INCOME":26701},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":291367,"Investment income total":291367,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":3180,"Other total":0,"Royalties revenue":3180,"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":1278141,"Grant expense":{"value":4000,"Grants to domestic orgs":4000,"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":385188,"Current officers":84918,"Disqualified persons":0,"Other salaries and wages":200932,"Pension plan contributions":16037,"Other employee benefits":60859,"Payroll taxes":22442},"Other expenses":{"value":888953,"Management services":0,"Legal":0,"Accounting":9000,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":22293,"Office expenses":329873,"Information technology":55614,"Royalties":0,"Occupancy":22182,"Travel":0,"Conferences and meetings":11678,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":20836,"Insurance":19301,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":398176,"DIVIDENDS PAID TO MEMBERS":230319,"PROVISION FOR LOAN LOSSES":167857},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":30501263,"Non-interest bearing cash":37850,"Savings and temp cash investments":5956720,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":18327512,"Inventories for sale or use":0,"Prepaid expenses deferred charges":10975,"Land, building, equipment":47213,"Investments publicly traded":0,"Investments other":0,"Investments program related":5362181,"Intangible assets":0,"Other assets":758812},"Liabilities":{"value":24593188,"Sum of Total Liabilities":0,"Accounts payable, accrued":17891,"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":24575297},"Fund balance":{"value":5908075,"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":0.17631277586128008,"percentile":0.7310017631069813},"Liabilities to Assets Ratio":{"score":0.8063006440093973,"percentile":0.07810029120024646},"Operating Reserve Ratio":{"score":23.863770116129597,"percentile":0.956380213727697},"Officer Compensation Ratio":{"score":0.0854467543095793,"percentile":0.6034757688101909},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.08827571719439148,"percentile":0.7354021766305482},"Asset Growth":{"score":0.02241501492819695,"percentile":0.4140800773348413},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6264366856573181,"percentile":0.6804086806950588}},"source_xml":"202030849349300538_public.xml"},{"Organization":{"value":null,"Person":["CRYSTAL SCHUMAN","MARY KAY MYRMEL","LISA WALKER","BETTY MAGNUSON","JOHN TOOP","PATRICIA WRIGHT","THOMAS OPITZ","COLLEEN LUCK"],"Title":["PRESIDENT","CAHIR","VICE CHAIR","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,2.0,2.0,1.5,1.0,1.0,1.0,1.0],"Total Compensation":[172087,0,0,0,0,0,0,0],"Direct compensation":[140126,0,0,0,0,0,0,0],"Other compensation":[31961,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"We are a not-for-profit, member owned and controlled financial organization. we provide financial services and build life-long relationships while maintating financial stability and safeguarding member assets.","year":2024,"name":"WEST METRO SCHOOLS CREDIT UNION","phone":9529884165,"website":"WMSCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CRYSTAL SCHUMAN","year_formation":1954,"state_legal_domicile":"MN","total_volunteers":9,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"1001 HIGHWAY 7 RM 249, HOPKINS, MN, 55305, USA","city":"HOPKINS","state":"MN","country":"USA","zip_code":55305},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"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":2309606,"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":1806380,"Total revenue":{"value":1806380,"INTEREST ON LOANS":1667963,"OTHER MEMBER RELATED INCOME":112555,"MEMBER FEE INCOME":25862},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":499973,"Investment income total":499346,"Net investment gain":627,"Income from invest bond proceeds":0},"Other revenues":{"value":3253,"Other total":0,"Royalties revenue":3253,"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":2035782,"Grant expense":{"value":6000,"Grants to domestic orgs":6000,"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":551799,"Current officers":140126,"Disqualified persons":0,"Other salaries and wages":291020,"Pension plan contributions":23055,"Other employee benefits":63863,"Payroll taxes":33735},"Other expenses":{"value":1477983,"Management services":0,"Legal":3986,"Accounting":14400,"Lobbying services":0,"Investment management fees":0,"Other services":43090,"Advertising":29826,"Office expenses":320918,"Information technology":118502,"Royalties":0,"Occupancy":36828,"Travel":0,"Conferences and meetings":12254,"Interest":3,"Payments to affiliates":0,"Depreciation and depletion":21193,"Insurance":21107,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":855876,"DIVIDENDS EXPENSE":688508,"CREDIT LOSS EXPENSE":120153,"LOAN SERVICING EXPENSE":47215},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":40368184,"Non-interest bearing cash":74737,"Savings and temp cash investments":7017486,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":859213,"Receivables from disqual persons":0,"Other net note and loans":21461716,"Inventories for sale or use":0,"Prepaid expenses deferred charges":29859,"Land, building, equipment":40424,"Investments publicly traded":0,"Investments other":0,"Investments program related":10191181,"Intangible assets":0,"Other assets":693568},"Liabilities":{"value":33093870,"Sum of Total Liabilities":0,"Accounts payable, accrued":33090,"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":33060780},"Fund balance":{"value":7274314,"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":0.11855874984737656,"percentile":0.6535404088997874},"Liabilities to Assets Ratio":{"score":0.8198008114509189,"percentile":0.07625550404517618},"Operating Reserve Ratio":{"score":19.82932553682074,"percentile":0.9454163575512115},"Officer Compensation Ratio":{"score":0.08453115313918681,"percentile":0.6068822840208308},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07738166432610656,"percentile":0.7047939569707695},"Asset Growth":{"score":0.04526273161693786,"percentile":0.508295748574293},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6141527062223997,"percentile":0.6463562891082543}},"source_xml":"202531019349301013_public.xml"},{"Organization":{"value":null,"Person":["CRYSTAL SCHUMAN","MARY KAY MYRMEL","LISA WALKER","BETTY MAGNUSON","JOHN TOOP","PATRICIA WRIGHT","THOMAS OPITZ","COLLEEN LUCK"],"Title":["PRESIDENT","CAHIR","VICE CHAIR","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,2.0,2.0,1.5,1.0,1.0,1.0,1.0],"Total Compensation":[162705,0,0,0,0,0,0,0],"Direct compensation":[132678,0,0,0,0,0,0,0],"Other compensation":[30027,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"We are a not-for-profit, member owned and controlled financial organization. we provide financial services and build life-long relationships while maintating financial stability and safeguarding member assets.","year":2023,"name":"WEST METRO SCHOOLS CREDIT UNION","phone":9529884165,"website":"WWW.WMSCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CRYSTAL SCHUMAN","year_formation":1954,"state_legal_domicile":"MN","total_volunteers":10,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"1001 HIGHWAY 7 RM 249, HOPKINS, MN, 55305, USA","city":"HOPKINS","state":"MN","country":"USA","zip_code":55305},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":7,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":7,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1884691,"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":1493762,"Total revenue":{"value":1493762,"INTEREST ON LOANS":1348344,"OTHER MEMBER RELATED INCOME":120660,"MEMBER FEE INCOME":24758},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":387605,"Investment income total":393545,"Net investment gain":-5940,"Income from invest bond proceeds":0},"Other revenues":{"value":3324,"Other total":0,"Royalties revenue":3324,"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":1602601,"Grant expense":{"value":6000,"Grants to domestic orgs":6000,"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":507556,"Current officers":132678,"Disqualified persons":0,"Other salaries and wages":269645,"Pension plan contributions":20802,"Other employee benefits":53162,"Payroll taxes":31269},"Other expenses":{"value":1089045,"Management services":0,"Legal":0,"Accounting":13000,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":27530,"Office expenses":375969,"Information technology":103275,"Royalties":0,"Occupancy":33508,"Travel":0,"Conferences and meetings":6997,"Interest":945,"Payments to affiliates":0,"Depreciation and depletion":24860,"Insurance":19944,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":483017,"DIVIDENDS EXPENSE":422505,"LOAN SERVICING EXPENSE":50512,"CREDIT LOSS EXPENSE":10000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":39203569,"Non-interest bearing cash":71629,"Savings and temp cash investments":5713829,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":21814699,"Inventories for sale or use":0,"Prepaid expenses deferred charges":83200,"Land, building, equipment":38030,"Investments publicly traded":0,"Investments other":0,"Investments program related":10778181,"Intangible assets":0,"Other assets":704001},"Liabilities":{"value":32203079,"Sum of Total Liabilities":0,"Accounts payable, accrued":109855,"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":32093224},"Fund balance":{"value":7000490,"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":0.149674402859673,"percentile":0.6981667233581003},"Liabilities to Assets Ratio":{"score":0.8214323292861423,"percentile":0.07603755450786831},"Operating Reserve Ratio":{"score":24.462463832232725,"percentile":0.9576927965977529},"Officer Compensation Ratio":{"score":0.10152558247498909,"percentile":0.5468817077214834},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06821752674353397,"percentile":0.675463226209604},"Asset Growth":{"score":0.04657880783532475,"percentile":0.5134939261141626},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6169155727790765,"percentile":0.6541458924246403}},"source_xml":"202420939349301037_public.xml"},{"Organization":{"value":null,"Person":["CRYSTAL SCHUMAN","MARY KAY MYRMEL","LISA WALKER","BETTY MAGNUSON","JOHN TOOP","THERESA MYRE","THOMAS OPITZ","COLLEEN LUCK"],"Title":["PRESIDENT","CAHIR","VICE CHAIR","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,2.0,2.0,1.5,1.0,1.0,1.0,1.0],"Total Compensation":[149229,0,0,0,0,0,0,0],"Direct compensation":[113443,0,0,0,0,0,0,0],"Other compensation":[35786,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"We are a not-for-profit, member owned and controlled financial organization. we provide financial services and build life-long relationships while maintating financial stability and safeguarding member assets.","year":2022,"name":"WEST METRO SCHOOLS CREDIT UNION","phone":9529884165,"website":"WWW.WMSCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CRYSTAL SCHUMAN","year_formation":1954,"state_legal_domicile":"MN","total_volunteers":10,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"1001 HIGHWAY 7 RM 249, HOPKINS, MN, 55305, USA","city":"HOPKINS","state":"MN","country":"USA","zip_code":55305},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1509319,"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":1255165,"Total revenue":{"value":1255165,"INTEREST ON LOANS":1001722,"OTHER MEMBER RELATED INCOME":231576,"MEMBER FEE INCOME":21867},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":252169,"Investment income total":252169,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1985,"Other total":0,"Royalties revenue":1985,"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":1233521,"Grant expense":{"value":4000,"Grants to domestic orgs":4000,"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":458995,"Current officers":113443,"Disqualified persons":0,"Other salaries and wages":245176,"Pension plan contributions":19166,"Other employee benefits":52879,"Payroll taxes":28331},"Other expenses":{"value":770526,"Management services":0,"Legal":0,"Accounting":21000,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":14431,"Office expenses":330690,"Information technology":83426,"Royalties":0,"Occupancy":31531,"Travel":0,"Conferences and meetings":1084,"Interest":199,"Payments to affiliates":0,"Depreciation and depletion":29493,"Insurance":19824,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":238848,"DIVIDENDS EXPENSE":197166,"LOAN SERVICING EXPENSE":38073,"PROVISION FOR LOAN LOSS":3609},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":38718935,"Non-interest bearing cash":64282,"Savings and temp cash investments":5697251,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":19834616,"Inventories for sale or use":0,"Prepaid expenses deferred charges":-3642,"Land, building, equipment":52017,"Investments publicly traded":0,"Investments other":0,"Investments program related":12344181,"Intangible assets":0,"Other assets":730230},"Liabilities":{"value":31967668,"Sum of Total Liabilities":0,"Accounts payable, accrued":94053,"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":31873615},"Fund balance":{"value":6751267,"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":0.1827300921806457,"percentile":0.7381760657259218},"Liabilities to Assets Ratio":{"score":0.8256339695293788,"percentile":0.07548202899548205},"Operating Reserve Ratio":{"score":31.388954869840077,"percentile":0.9688644026111002},"Officer Compensation Ratio":{"score":0.12097807820053327,"percentile":0.4871341170678866},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0637721521813785,"percentile":0.6599183448581701},"Asset Growth":{"score":0.047541562551019025,"percentile":0.5172521683838325},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6200270070952144,"percentile":0.6627922301151732}},"source_xml":"202321019349301617_public.xml"},{"Organization":{"value":null,"Person":["TIM AMLIE","GAY PIRRI","BETTY MAGNUSON","JOHN TOOP","MARY KAY MYRMEL","THERESA MYRE","THOMAS OPITZ","VERNONE FEYEREISEN"],"Title":["BOARD PRESID","BOARD VICE P","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","MANAGER/TREA"],"Hours":[2.0,1.5,1.5,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,108719],"Direct compensation":[0,0,0,0,0,0,0,91464],"Other compensation":[0,0,0,0,0,0,0,17255]},"Basic":{"value":null,"mission":"We are a not-for-profit, member owned and controlled financial organization. we provide financial services and build life-long relationships while maintating financial stability and safeguarding member assets.","year":2015,"name":"WEST METRO SCHOOLS CREDIT UNION","phone":9529884165,"website":"WWW.WESTMETROSCHOOLSCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"VERNONE FEYEREISEN","year_formation":1954,"state_legal_domicile":"MN","total_volunteers":10,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"1001 HIGHWAY 7 RM 249, HOPKINS, MN, 55305, USA","city":"HOPKINS","state":"MN","country":"USA","zip_code":55305},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":957557,"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":826239,"Total revenue":{"value":826239,"INTEREST ON LOANS":707847,"OTHER MEMBER RELATD REVENUE":97563,"MEMBER FEE INCOME":20829},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":128749,"Investment income total":128749,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2569,"Other total":0,"Royalties revenue":2569,"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":751278,"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":357716,"Current officers":91464,"Disqualified persons":0,"Other salaries and wages":181425,"Pension plan contributions":16373,"Other employee benefits":47158,"Payroll taxes":21296},"Other expenses":{"value":393562,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":46980,"Advertising":8119,"Office expenses":209078,"Information technology":20391,"Royalties":0,"Occupancy":12356,"Travel":5767,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":14586,"Insurance":16367,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":59918,"DIVIDENDS PAID TO MEMBERS":58662,"PROVISION FOR LOAN LOSSES":1256},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":25971650,"Non-interest bearing cash":33483,"Savings and temp cash investments":8445477,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":12346950,"Inventories for sale or use":0,"Prepaid expenses deferred charges":22239,"Land, building, equipment":30987,"Investments publicly traded":0,"Investments other":0,"Investments program related":4329064,"Intangible assets":0,"Other assets":763450},"Liabilities":{"value":20925043,"Sum of Total Liabilities":0,"Accounts payable, accrued":577947,"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":20347096},"Fund balance":{"value":5046607,"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":0.21542216285819016,"percentile":0.7712299907941808},"Liabilities to Assets Ratio":{"score":0.805687855796609,"percentile":0.07818837231024871},"Operating Reserve Ratio":{"score":34.56995945575406,"percentile":0.9721356541765498},"Officer Compensation Ratio":{"score":0.14471207728696966,"percentile":0.42466375619216556},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0009449271645068164,"percentile":0.37406123603700153},"Asset Growth":{"score":-0.025840382821875417,"percentile":0.22635047901117716},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.575926753702886,"percentile":0.5344488612172308}},"source_xml":"201621199349300332_public.xml"},{"Organization":{"value":null,"Person":["MARY KAY MYRMEL","LISA WALKER","BETTY MAGNUSON","JOHN TOOP","THERESA MYRE","THOMAS OPITZ","GARY PIRRI","CRYSTAL SCHUMAN"],"Title":["CAHIR","VICE CHAIR","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT"],"Hours":[2.0,2.0,1.5,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,105423],"Direct compensation":[0,0,0,0,0,0,0,81975],"Other compensation":[0,0,0,0,0,0,0,23448]},"Basic":{"value":null,"mission":"We are a not-for-profit, member owned and controlled financial organization. we provide financial services and build life-long relationships while maintating financial stability and safeguarding member assets.","year":2018,"name":"WEST METRO SCHOOLS CREDIT UNION","phone":9529884165,"website":"WWW.WESTMETROSCHOOLSCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CRYSTAL SCHUMAN","year_formation":1954,"state_legal_domicile":"MN","total_volunteers":10,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"1001 HIGHWAY 7 RM 249, HOPKINS, MN, 55305, USA","city":"HOPKINS","state":"MN","country":"USA","zip_code":55305},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":5,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1333786,"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":1111318,"Total revenue":{"value":1111318,"INTEREST ON LOANS":944053,"OTHER MEMBER RELATD REVENUE":146844,"MEMBER FEE INCOME":20421},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":219883,"Investment income total":219883,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2585,"Other total":0,"Royalties revenue":2585,"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":1142034,"Grant expense":{"value":4000,"Grants to domestic orgs":4000,"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":371508,"Current officers":81975,"Disqualified persons":0,"Other salaries and wages":194373,"Pension plan contributions":15631,"Other employee benefits":57856,"Payroll taxes":21673},"Other expenses":{"value":766526,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":9000,"Advertising":18277,"Office expenses":288196,"Information technology":50065,"Royalties":0,"Occupancy":21110,"Travel":0,"Conferences and meetings":12576,"Interest":4,"Payments to affiliates":0,"Depreciation and depletion":18482,"Insurance":18955,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":329861,"PROVISION FOR LOAN LOSSES":195869,"DIVIDENDS PAID TO MEMBERS":133992},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":29480370,"Non-interest bearing cash":29104,"Savings and temp cash investments":6666341,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":17451655,"Inventories for sale or use":0,"Prepaid expenses deferred charges":20922,"Land, building, equipment":37558,"Investments publicly traded":0,"Investments other":0,"Investments program related":4484554,"Intangible assets":0,"Other assets":790236},"Liabilities":{"value":23845885,"Sum of Total Liabilities":0,"Accounts payable, accrued":39883,"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":23806002},"Fund balance":{"value":5634485,"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":0.14376519171741195,"percentile":0.6902742160226907},"Liabilities to Assets Ratio":{"score":0.808873328251986,"percentile":0.07774407480421412},"Operating Reserve Ratio":{"score":25.81391622315973,"percentile":0.960442854749519},"Officer Compensation Ratio":{"score":0.09231161243885909,"percentile":0.578468284244513},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07206560844904446,"percentile":0.688237275295078},"Asset Growth":{"score":0.019132851338706375,"percentile":0.40017696400750585},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.611883519616265,"percentile":0.6398421880883924}},"source_xml":"201910709349300626_public.xml"},{"Organization":{"value":null,"Person":["CRYSTAL SCHUMAN","MARY KAY MYRMEL","LISA WALKER","BETTY MAGNUSON","JOHN TOOP","THERESA MYRE","THOMAS OPITZ","COLLEEN LUCK"],"Title":["PRESIDENT","CAHIR","VICE CHAIR","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,2.0,2.0,1.5,1.0,1.0,1.0,1.0],"Total Compensation":[123670,0,0,0,0,0,0,0],"Direct compensation":[96700,0,0,0,0,0,0,0],"Other compensation":[26970,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"We are a not-for-profit, member owned and controlled financial organization. we provide financial services and build life-long relationships while maintating financial stability and safeguarding member assets.","year":2020,"name":"WEST METRO SCHOOLS CREDIT UNION","phone":9529884165,"website":"WWW.WESTMETROSCHOOLSCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CRYSTAL SCHUMAN","year_formation":1954,"state_legal_domicile":"MN","total_volunteers":10,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"1001 HIGHWAY 7 RM 249, HOPKINS, MN, 55305, USA","city":"HOPKINS","state":"MN","country":"USA","zip_code":55305},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1499922,"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":1247528,"Total revenue":{"value":1247528,"INTEREST ON LOANS":1083916,"OTHER MEMBER RELATD REVENUE":141879,"MEMBER FEE INCOME":21733},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":249958,"Investment income total":249958,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2436,"Other total":0,"Royalties revenue":2436,"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":1206360,"Grant expense":{"value":4000,"Grants to domestic orgs":4000,"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":399621,"Current officers":96700,"Disqualified persons":0,"Other salaries and wages":210820,"Pension plan contributions":16839,"Other employee benefits":51131,"Payroll taxes":24131},"Other expenses":{"value":802739,"Management services":0,"Legal":0,"Accounting":9850,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":14597,"Office expenses":287116,"Information technology":65810,"Royalties":0,"Occupancy":22363,"Travel":0,"Conferences and meetings":7493,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":23702,"Insurance":20629,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":351179,"DIVIDENDS PAID TO MEMBERS":218550,"PROVISION FOR LOAN LOSSES":103844,"LOAN SERVICING EXPENSE":28785},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":35605213,"Non-interest bearing cash":55151,"Savings and temp cash investments":10709450,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":17929713,"Inventories for sale or use":0,"Prepaid expenses deferred charges":41145,"Land, building, equipment":43054,"Investments publicly traded":0,"Investments other":0,"Investments program related":6110181,"Intangible assets":0,"Other assets":716519},"Liabilities":{"value":29403576,"Sum of Total Liabilities":0,"Accounts payable, accrued":1887,"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":29401689},"Fund balance":{"value":6201637,"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":0.19571817734522196,"percentile":0.7519727701771401},"Liabilities to Assets Ratio":{"score":0.8258222187857717,"percentile":0.0754564240216442},"Operating Reserve Ratio":{"score":29.51458354056832,"percentile":0.9664781087651233},"Officer Compensation Ratio":{"score":0.10251500381312378,"percentile":0.5437291549351493},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.08238972342922227,"percentile":0.7194093482622875},"Asset Growth":{"score":0.03595948439099329,"percentile":0.47073070827376823},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6290418444538161,"percentile":0.6875129365090634}},"source_xml":"202130839349300123_public.xml"},{"Organization":{"value":null,"Person":["TIM AMLIE","GAY PIRRI","BETTY MAGNUSON","JANET SCHMIEL","MARY KAY MYRMEL","NYRA RUSTAD","PACY ERCK","THERESA MYRE","THOMAS OPITZ","VERNONE FEYEREISEN"],"Title":["PRESIDENT","VICE PRESIDE","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","MANAGER/TREA"],"Hours":[1.5,2.0,1.5,1.0,1.5,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,116388],"Direct compensation":[0,0,0,0,0,0,0,0,0,86400],"Other compensation":[0,0,0,0,0,0,0,0,0,29988]},"Basic":{"value":null,"mission":"Serve our members.","year":2013,"name":"WEST METRO SCHOOLS CREDIT UNION","phone":9529884165,"website":"WWW.WESTMETROSCHOOLSCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"VERNONE FEYEREISEN","year_formation":1954,"state_legal_domicile":"MN","total_volunteers":12,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"1001 HIGHWAY 7 ROOM/SUITE RM 249, HOPKINS, MN, 55305, USA","city":"HOPKINS","state":"MN","country":"USA","zip_code":55305},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":955769,"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":812374,"Total revenue":{"value":812374,"INTEREST ON LOANS":721177,"OTHER MEMBER RELATD REVENUE":74612,"FEES AND OTHER CHARGES":16585},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":141026,"Investment income total":141026,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2369,"Other total":0,"Royalties revenue":2369,"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":783023,"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":329446,"Current officers":86400,"Disqualified persons":0,"Other salaries and wages":175778,"Pension plan contributions":15647,"Other employee benefits":30263,"Payroll taxes":21358},"Other expenses":{"value":453577,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":45299,"Advertising":7934,"Office expenses":193360,"Information technology":8027,"Royalties":0,"Occupancy":23730,"Travel":4970,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":14647,"Insurance":14948,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":140662,"DIVIDENDS PAID TO MEMBERS":75534,"PROVISION FOR LOAN LOSSES":47191,"NCUA STBLZTN ASSESSMENT":17937},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":27349527,"Non-interest bearing cash":34733,"Savings and temp cash investments":8894285,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":11343915,"Inventories for sale or use":0,"Prepaid expenses deferred charges":10145,"Land, building, equipment":28763,"Investments publicly traded":0,"Investments other":0,"Investments program related":6296665,"Intangible assets":0,"Other assets":741021},"Liabilities":{"value":22687702,"Sum of Total Liabilities":0,"Accounts payable, accrued":540387,"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":22147315},"Fund balance":{"value":4661825,"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":0.180740325329656,"percentile":0.735974780498174},"Liabilities to Assets Ratio":{"score":0.829546412265192,"percentile":0.07496583272291076},"Operating Reserve Ratio":{"score":34.92812727084645,"percentile":0.9724592023174211},"Officer Compensation Ratio":{"score":0.14863931199977523,"percentile":0.41532282287048844},"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":0.6173114960387787,"percentile":0.6552568073285586}},"source_xml":"201431509349300313_public.xml"},{"Organization":{"value":null,"Person":["TIM AMLIE","GAY PIRRI","LISA WALKER","BETTY MAGNUSON","JOHN TOOP","MARY KAY MYRMEL","THERESA MYRE","THOMAS OPITZ","VERNONE FEYEREISEN"],"Title":["CHAIR (PARTI","CHAIR (PARTI","VICE CHAIR","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT"],"Hours":[2.0,2.0,1.5,1.5,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,116116],"Direct compensation":[0,0,0,0,0,0,0,0,98458],"Other compensation":[0,0,0,0,0,0,0,0,17658]},"Basic":{"value":null,"mission":"We are a not-for-profit, member owned and controlled financial organization. we provide financial services and build life-long relationships while maintating financial stability and safeguarding member assets.","year":2016,"name":"WEST METRO SCHOOLS CREDIT UNION","phone":9529884165,"website":"WWW.WESTMETROSCHOOLSCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CRYSTAL SCHUMAN","year_formation":1954,"state_legal_domicile":"MN","total_volunteers":10,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"1001 HIGHWAY 7 RM 249, HOPKINS, MN, 55305, USA","city":"HOPKINS","state":"MN","country":"USA","zip_code":55305},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":5,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1060639,"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":908502,"Total revenue":{"value":908502,"INTEREST ON LOANS":768711,"OTHER MEMBER RELATD REVENUE":105543,"MEMBER FEE INCOME":34248},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":149318,"Investment income total":149318,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2819,"Other total":0,"Royalties revenue":2819,"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":853209,"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":414726,"Current officers":98458,"Disqualified persons":0,"Other salaries and wages":196764,"Pension plan contributions":16870,"Other employee benefits":79574,"Payroll taxes":23060},"Other expenses":{"value":438483,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":52533,"Advertising":11924,"Office expenses":231087,"Information technology":17075,"Royalties":0,"Occupancy":12637,"Travel":4398,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":13389,"Insurance":16906,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":78534,"DIVIDENDS PAID TO MEMBERS":66558,"PROVISION FOR LOAN LOSSES":11976},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":28290176,"Non-interest bearing cash":42264,"Savings and temp cash investments":9389003,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":13328550,"Inventories for sale or use":0,"Prepaid expenses deferred charges":10547,"Land, building, equipment":57955,"Investments publicly traded":0,"Investments other":0,"Investments program related":4683253,"Intangible assets":0,"Other assets":778604},"Liabilities":{"value":23036139,"Sum of Total Liabilities":0,"Accounts payable, accrued":682650,"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":22353489},"Fund balance":{"value":5254037,"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":0.19557078327310234,"percentile":0.7518231781618484},"Liabilities to Assets Ratio":{"score":0.8142805120759942,"percentile":0.07701177255245127},"Operating Reserve Ratio":{"score":33.157381134048045,"percentile":0.9708048830912044},"Officer Compensation Ratio":{"score":0.13609326671425173,"percentile":0.4459629009737017},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.035617664537120605,"percentile":0.5417776385409134},"Asset Growth":{"score":0.007872016607922092,"percentile":0.35283320441389504},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5981392727935344,"percentile":0.6000476363510555}},"source_xml":"201710559349300331_public.xml"},{"Organization":{"value":null,"Person":["CRYSTAL SCHUMAN","MARY KAY MYRMEL","LISA WALKER","BETTY MAGNUSON","JOHN TOOP","THERESA MYRE","THOMAS OPITZ","COLLEEN LUCK"],"Title":["PRESIDENT","CAHIR","VICE CHAIR","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,2.0,2.0,1.5,1.0,1.0,1.0,1.0],"Total Compensation":[139982,0,0,0,0,0,0,0],"Direct compensation":[105952,0,0,0,0,0,0,0],"Other compensation":[34030,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"We are a not-for-profit, member owned and controlled financial organization. we provide financial services and build life-long relationships while maintating financial stability and safeguarding member assets.","year":2021,"name":"WEST METRO SCHOOLS CREDIT UNION","phone":9529884165,"website":"WWW.WMSCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CRYSTAL SCHUMAN","year_formation":1954,"state_legal_domicile":"MN","total_volunteers":10,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"1001 HIGHWAY 7 RM 249, HOPKINS, MN, 55305, USA","city":"HOPKINS","state":"MN","country":"USA","zip_code":55305},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1454568,"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":1267636,"Total revenue":{"value":1267636,"INTEREST ON LOANS":975068,"OTHER MEMBER RELATD REVENUE":272115,"MEMBER FEE INCOME":20453},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":184005,"Investment income total":185525,"Net investment gain":-1520,"Income from invest bond proceeds":0},"Other revenues":{"value":2927,"Other total":0,"Royalties revenue":2927,"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":1180736,"Grant expense":{"value":4000,"Grants to domestic orgs":4000,"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":419967,"Current officers":105952,"Disqualified persons":0,"Other salaries and wages":219945,"Pension plan contributions":17619,"Other employee benefits":50931,"Payroll taxes":25520},"Other expenses":{"value":756769,"Management services":0,"Legal":0,"Accounting":12800,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":25417,"Office expenses":341665,"Information technology":68881,"Royalties":0,"Occupancy":25711,"Travel":0,"Conferences and meetings":1429,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":25171,"Insurance":18311,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":237384,"DIVIDENDS EXPENSE":206109,"LOAN SERVICING EXPENSE":31250,"PROVISION FOR LOAN LOSS":25},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":38809311,"Non-interest bearing cash":89379,"Savings and temp cash investments":9229220,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":17625993,"Inventories for sale or use":0,"Prepaid expenses deferred charges":31430,"Land, building, equipment":40725,"Investments publicly traded":0,"Investments other":0,"Investments program related":11078181,"Intangible assets":0,"Other assets":714383},"Liabilities":{"value":32333842,"Sum of Total Liabilities":0,"Accounts payable, accrued":26184,"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":32307658},"Fund balance":{"value":6475469,"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":0.18825658202297865,"percentile":0.7441882788745707},"Liabilities to Assets Ratio":{"score":0.833146509609511,"percentile":0.07449019472889863},"Operating Reserve Ratio":{"score":32.868745426581384,"percentile":0.9705025545348374},"Officer Compensation Ratio":{"score":0.11855486747249173,"percentile":0.4940394530626159},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0713391727095503,"percentile":0.6858984319334709},"Asset Growth":{"score":0.04586145191070187,"percentile":0.510647698921198},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6238115047799442,"percentile":0.6732744271788781}},"source_xml":"202201049349301465_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["CRYSTAL SCHUMAN","MARY KAY MYRMEL","LISA WALKER","BETTY MAGNUSON","JOHN TOOP","PATRICIA WRIGHT","THOMAS OPITZ","COLLEEN LUCK"],"Title":["PRESIDENT","CAHIR","VICE CHAIR","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,2.0,2.0,1.5,1.0,1.0,1.0,1.0],"Total Compensation":[172087,0,0,0,0,0,0,0],"Direct compensation":[140126,0,0,0,0,0,0,0],"Other compensation":[31961,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"We are a not-for-profit, member owned and controlled financial organization. we provide financial services and build life-long relationships while maintating financial stability and safeguarding member assets.","year":2024,"name":"WEST METRO SCHOOLS CREDIT UNION","phone":9529884165,"website":"WMSCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CRYSTAL SCHUMAN","year_formation":1954,"state_legal_domicile":"MN","total_volunteers":9,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"1001 HIGHWAY 7 RM 249, HOPKINS, MN, 55305, USA","city":"HOPKINS","state":"MN","country":"USA","zip_code":55305},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"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":2309606,"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":1806380,"Total revenue":{"value":1806380,"INTEREST ON LOANS":1667963,"OTHER MEMBER RELATED INCOME":112555,"MEMBER FEE INCOME":25862},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":499973,"Investment income total":499346,"Net investment gain":627,"Income from invest bond proceeds":0},"Other revenues":{"value":3253,"Other total":0,"Royalties revenue":3253,"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":2035782,"Grant expense":{"value":6000,"Grants to domestic orgs":6000,"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":551799,"Current officers":140126,"Disqualified persons":0,"Other salaries and wages":291020,"Pension plan contributions":23055,"Other employee benefits":63863,"Payroll taxes":33735},"Other expenses":{"value":1477983,"Management services":0,"Legal":3986,"Accounting":14400,"Lobbying services":0,"Investment management fees":0,"Other services":43090,"Advertising":29826,"Office expenses":320918,"Information technology":118502,"Royalties":0,"Occupancy":36828,"Travel":0,"Conferences and meetings":12254,"Interest":3,"Payments to affiliates":0,"Depreciation and depletion":21193,"Insurance":21107,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":855876,"DIVIDENDS EXPENSE":688508,"CREDIT LOSS EXPENSE":120153,"LOAN SERVICING EXPENSE":47215},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":40368184,"Non-interest bearing cash":74737,"Savings and temp cash investments":7017486,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":859213,"Receivables from disqual persons":0,"Other net note and loans":21461716,"Inventories for sale or use":0,"Prepaid expenses deferred charges":29859,"Land, building, equipment":40424,"Investments publicly traded":0,"Investments other":0,"Investments program related":10191181,"Intangible assets":0,"Other assets":693568},"Liabilities":{"value":33093870,"Sum of Total Liabilities":0,"Accounts payable, accrued":33090,"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":33060780},"Fund balance":{"value":7274314,"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":0.11855874984737656,"percentile":0.6535404088997874},"Liabilities to Assets Ratio":{"score":0.8198008114509189,"percentile":0.07625550404517618},"Operating Reserve Ratio":{"score":19.82932553682074,"percentile":0.9454163575512115},"Officer Compensation Ratio":{"score":0.08453115313918681,"percentile":0.6068822840208308},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07738166432610656,"percentile":0.7047939569707695},"Asset Growth":{"score":0.04526273161693786,"percentile":0.508295748574293},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6141527062223997,"percentile":0.6463562891082543}},"source_xml":"202531019349301013_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}