{"success":true,"data":{"_id":420772828,"filings":[{"Organization":{"value":null,"Person":["CHARLIE NOURSE","EDWARD MUNN","TERRY CLARK","DAN JONDLE","JEANNE HANDELAND","SHEILA BORCHERS","JUSTINE CHRESTIANSEN","MARK PETERS","LAUREL HASH"],"Title":["BOARD CHAIR","VICE CHAIR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","LOAN MANAGER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,247272,116173],"Direct compensation":[0,0,0,0,0,0,0,184869,101445],"Other compensation":[0,0,0,0,0,0,0,62403,14728]},"Basic":{"value":null,"mission":"To be our members optimum service center for their financial needs.","year":2019,"name":"EMPLOYEES CREDIT UNION","phone":7123625897,"website":"WWW.EMPLOYEESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MARK PETERS","year_formation":1947,"state_legal_domicile":"IA","total_volunteers":7,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"2714 CENTRAL AVE, ESTHERVILLE, IA, 51334, USA","city":"ESTHERVILLE","state":"IA","country":"USA","zip_code":51334},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":7,"Number of employees total":13,"Total Gross UBI":848,"Net unrelated business taxable income":null,"Number of employees":13,"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":5485363,"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":4413647,"Total revenue":{"value":4413647,"INTEREST ON LOANS":3760992,"MEMBER FEE INCOME":522885,"OTHER MEMBER INCOME":128922,"NON-MEMBER ATM FEES":848},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1071716,"Investment income total":1071716,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3775122,"Grant expense":{"value":31615,"Grants to domestic orgs":31615,"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":1042073,"Current officers":286314,"Disqualified persons":0,"Other salaries and wages":516391,"Pension plan contributions":54015,"Other employee benefits":127294,"Payroll taxes":58059},"Other expenses":{"value":2701434,"Management services":0,"Legal":0,"Accounting":35740,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":18156,"Office expenses":423997,"Information technology":21440,"Royalties":0,"Occupancy":53460,"Travel":0,"Conferences and meetings":32653,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":89501,"Insurance":33419,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1993068,"DIVIDENDS EXPENSE":1499690,"PROVISION FOR LOAN LOSS":493378},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":105357507,"Non-interest bearing cash":278434,"Savings and temp cash investments":20409292,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":60656183,"Inventories for sale or use":0,"Prepaid expenses deferred charges":38701,"Land, building, equipment":717083,"Investments publicly traded":0,"Investments other":0,"Investments program related":22178582,"Intangible assets":0,"Other assets":1079232},"Liabilities":{"value":82540801,"Sum of Total Liabilities":0,"Accounts payable, accrued":150129,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":128299,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":82262373},"Fund balance":{"value":22816706,"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":0.31178264774819825,"percentile":0.8423294044709263},"Liabilities to Assets Ratio":{"score":0.7834354034212294,"percentile":0.08122676092574475},"Operating Reserve Ratio":{"score":27.908371438062133,"percentile":0.9640960588360472},"Officer Compensation Ratio":{"score":0.09627370982977504,"percentile":0.5645428407748394},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.09084958868717978,"percentile":0.7420805067176655},"Asset Growth":{"score":0.04505552426931567,"percentile":0.5074770937867186},"Independent Voting Board Pct":{"score":0.875,"percentile":0.22520058322737488},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.58484796895239,"percentile":0.5608434393925426}},"source_xml":"202011849349300536_public.xml"},{"Organization":{"value":null,"Person":["CHARLES NOURSE","EDWARD MUNN","TERRY CLARK","LOWELL SWALVE","DAN JONDLE","DARWIN OLESEN","SHEILA BORCHERS","JOEL JORGENSON","MARK PETERS"],"Title":["BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,45.0],"Total Compensation":[0,0,0,0,0,0,0,0,163010],"Direct compensation":[0,0,0,0,0,0,0,0,131210],"Other compensation":[0,0,0,0,0,0,0,0,31800]},"Basic":{"value":null,"mission":"State chartered credit union","year":2014,"name":"EMPLOYEES CREDIT UNION","phone":7123625897,"website":"WWW.EMPLOYEESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MARK PETERS","year_formation":1947,"state_legal_domicile":null,"total_volunteers":9,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"2714 CENTRAL AVE, ESTHERVILLE, IA, 51334, USA","city":"ESTHERVILLE","state":"IA","country":"USA","zip_code":51334},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":12,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":12,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3397296,"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":3032325,"Total revenue":{"value":3032325,"INTEREST ON LOANS":2626822,"FEE INCOME":352580,"MISCELLANEOUS INCOME":52923},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":364971,"Investment income total":364971,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2170446,"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":658178,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":519640,"Pension plan contributions":41732,"Other employee benefits":56978,"Payroll taxes":39828},"Other expenses":{"value":1512268,"Management services":0,"Legal":0,"Accounting":44977,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":19564,"Office expenses":162607,"Information technology":0,"Royalties":0,"Occupancy":101485,"Travel":0,"Conferences and meetings":27710,"Interest":185207,"Payments to affiliates":0,"Depreciation and depletion":38864,"Insurance":64906,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":827077,"DIVIDEND EXPENSE":399967,"PROVISION FOR LOAN LOSS":271028,"PROFESSIONAL SERVICES":132596,"LOAN SERVICING":23486},"All other expenses":39871},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":83723629,"Non-interest bearing cash":190585,"Savings and temp cash investments":41392125,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":40787151,"Inventories for sale or use":0,"Prepaid expenses deferred charges":16724,"Land, building, equipment":256268,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1080776},"Liabilities":{"value":68806035,"Sum of Total Liabilities":0,"Accounts payable, accrued":117110,"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":3600000,"Unsecured notes loans payable":0,"Other liabilities":65088925},"Fund balance":{"value":14917594,"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":0.3611254362292835,"percentile":0.8680855217959031},"Liabilities to Assets Ratio":{"score":0.8218233707953582,"percentile":0.07598368164291344},"Operating Reserve Ratio":{"score":38.57438931906161,"percentile":0.9752757485006343},"Officer Compensation Ratio":{"score":0.07510437946855163,"percentile":0.6439144009881091},"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":0.6642337495547506,"percentile":0.7756643841081773}},"source_xml":"201511249349300321_public.xml"},{"Organization":{"value":null,"Person":["MARK PETERS","LAUREL HASH","DALLAS QUASTAD","EDWARD MUNN","CHARLIE NOURSE","SHEILA BORCHERS","JUSTINE CHRESTIANSEN","TERRY CLARK","JEANNE HANDELAND","DANNY HOFFMAN","DAN JONDLE"],"Title":["CEO","LOAN MANAGER","LOAN OFFICER","BOARD CHAIR","BOARD CHAIR","VICE CHAIR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[389803,137634,123188,0,0,0,0,0,0,0,0],"Direct compensation":[318383,115029,101776,0,0,0,0,0,0,0,0],"Other compensation":[71420,22605,21412,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To be our members optimum service center for their financial needs.","year":2024,"name":"EMPLOYEES CREDIT UNION","phone":7123625897,"website":"EMPLOYEESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MARK PETERS","year_formation":1947,"state_legal_domicile":"IA","total_volunteers":7,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"2714 CENTRAL AVE, ESTHERVILLE, IA, 51334, USA","city":"ESTHERVILLE","state":"IA","country":"USA","zip_code":51334},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":7,"Number of employees total":16,"Total Gross UBI":306,"Net unrelated business taxable income":null,"Number of employees":16,"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":10760989,"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":7238860,"Total revenue":{"value":7238860,"INTEREST ON LOANS":6284876,"MEMBER FEE INCOME":714665,"OTHER MEMBER RELATED INCOME":239013,"FEE & INSURANCE INCOME":306},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3522129,"Investment income total":3522129,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":8456816,"Grant expense":{"value":8488,"Grants to domestic orgs":8488,"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":1566694,"Current officers":318383,"Disqualified persons":0,"Other salaries and wages":886933,"Pension plan contributions":102283,"Other employee benefits":171839,"Payroll taxes":87256},"Other expenses":{"value":6881634,"Management services":0,"Legal":1506,"Accounting":45093,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":22877,"Office expenses":339059,"Information technology":62855,"Royalties":0,"Occupancy":67634,"Travel":0,"Conferences and meetings":29208,"Interest":13,"Payments to affiliates":0,"Depreciation and depletion":56956,"Insurance":21114,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":6235319,"DIVIDENDS EXPENSE":5362767,"CREDIT LOSS EXPENSE":590133,"DEBIT CARD EXPENSE":282419},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":174076159,"Non-interest bearing cash":348948,"Savings and temp cash investments":49648928,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":88977954,"Inventories for sale or use":0,"Prepaid expenses deferred charges":49280,"Land, building, equipment":556169,"Investments publicly traded":0,"Investments other":0,"Investments program related":32625181,"Intangible assets":0,"Other assets":1869699},"Liabilities":{"value":139587351,"Sum of Total Liabilities":0,"Accounts payable, accrued":325157,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":188600,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":139073594},"Fund balance":{"value":34488808,"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":0.2141227911300718,"percentile":0.7700193960110291},"Liabilities to Assets Ratio":{"score":0.8018751780937445,"percentile":0.07870088146658735},"Operating Reserve Ratio":{"score":20.58412516010754,"percentile":0.9477682958794194},"Officer Compensation Ratio":{"score":0.07693498356828385,"percentile":0.6365607236366247},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10502077582143846,"percentile":0.7749782955672003},"Asset Growth":{"score":0.07551868179713293,"percentile":0.6151677667574009},"Independent Voting Board Pct":{"score":0.875,"percentile":0.22520058322737488},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5846330533396553,"percentile":0.5601826900059456}},"source_xml":"202521369349301987_public.xml"},{"Organization":{"value":null,"Person":["MARK PETERS","LAUREL HASH","CHARLIE NOURSE","EDWARD MUNN","TERRY CLARK","DAN JONDLE","JEANNE HANDELAND","SHEILA BORCHERS","JUSTINE CHRESTIANSEN","DANNY HOFFMAN"],"Title":["CEO","LOAN MANAGER","BOARD CHAIR","VICE CHAIR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[253396,120483,0,0,0,0,0,0,0,0],"Direct compensation":[188299,103770,0,0,0,0,0,0,0,0],"Other compensation":[65097,16713,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To be our members optimum service center for their financial needs.","year":2020,"name":"EMPLOYEES CREDIT UNION","phone":7123625897,"website":"WWW.EMPLOYEESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MARK PETERS","year_formation":1947,"state_legal_domicile":"IA","total_volunteers":8,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"2714 CENTRAL AVE, ESTHERVILLE, IA, 51334, USA","city":"ESTHERVILLE","state":"IA","country":"USA","zip_code":51334},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":14,"Total Gross UBI":627,"Net unrelated business taxable income":null,"Number of employees":14,"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":5619668,"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":4627476,"Total revenue":{"value":4627476,"INTEREST ON LOANS":3963963,"MEMBER FEE INCOME":514499,"OTHER MEMBER INCOME":148387,"FEE & INSURANCE INCOME":627},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":992192,"Investment income total":995912,"Net investment gain":-3720,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3222225,"Grant expense":{"value":61025,"Grants to domestic orgs":58025,"Grants to domestic individuals":3000,"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":1161056,"Current officers":292069,"Disqualified persons":0,"Other salaries and wages":549100,"Pension plan contributions":127491,"Other employee benefits":131145,"Payroll taxes":61251},"Other expenses":{"value":2000144,"Management services":0,"Legal":0,"Accounting":50096,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":18107,"Office expenses":420151,"Information technology":27193,"Royalties":0,"Occupancy":52256,"Travel":0,"Conferences and meetings":33373,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":66517,"Insurance":32210,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1300241,"DIVIDENDS EXPENSE":904590,"PROVISION FOR LOAN LOSS":395651},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":118458064,"Non-interest bearing cash":320893,"Savings and temp cash investments":26265405,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":62880825,"Inventories for sale or use":0,"Prepaid expenses deferred charges":22033,"Land, building, equipment":650566,"Investments publicly traded":0,"Investments other":0,"Investments program related":27136058,"Intangible assets":0,"Other assets":1182284},"Liabilities":{"value":93243915,"Sum of Total Liabilities":0,"Accounts payable, accrued":175926,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":148203,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":92919786},"Fund balance":{"value":25214149,"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":0.4266164833936809,"percentile":0.8950565137845782},"Liabilities to Assets Ratio":{"score":0.7871470447128023,"percentile":0.08071486628877822},"Operating Reserve Ratio":{"score":36.76281575619331,"percentile":0.9739637719044213},"Officer Compensation Ratio":{"score":0.11603131376610883,"percentile":0.5016334179386358},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.087638919206787,"percentile":0.7337478523040295},"Asset Growth":{"score":0.053429289620959004,"percentile":0.5397674179319603},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5932567190910657,"percentile":0.5856445396282645}},"source_xml":"202102459349300325_public.xml"},{"Organization":{"value":null,"Person":["CHARLIE NOURSE","EDWARD MUNN","TERRY CLARK","LOWELL SWALVE","DAN JONDLE","DARWIN OLESEN","SHEILA BORCHERS","JOEL JORGENSON","MARK PETERS"],"Title":["BOARD CHAIR","VICE CHAIR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,45.0],"Total Compensation":[0,0,0,0,0,0,0,0,213427],"Direct compensation":[0,0,0,0,0,0,0,0,157583],"Other compensation":[0,0,0,0,0,0,0,0,55844]},"Basic":{"value":null,"mission":"To be our members optimum service center for their financial needs.","year":2017,"name":"EMPLOYEES CREDIT UNION","phone":7123625897,"website":"WWW.EMPLOYEESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MARK PETERS","year_formation":1947,"state_legal_domicile":"IA","total_volunteers":8,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"2714 CENTRAL AVE, ESTHERVILLE, IA, 51334, USA","city":"ESTHERVILLE","state":"IA","country":"USA","zip_code":51334},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":16,"Total Gross UBI":1120,"Net unrelated business taxable income":-1005,"Number of employees":16,"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":4300269,"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":3703547,"Total revenue":{"value":3703547,"INTEREST ON LOANS":3198501,"MEMBER FEE INCOME":437541,"OTHER MEMBER INCOME":66385,"NON MEMBER ATM FEES":1120},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":596722,"Investment income total":596722,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2660404,"Grant expense":{"value":2250,"Grants to domestic orgs":0,"Grants to domestic individuals":2250,"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":805608,"Current officers":157583,"Disqualified persons":0,"Other salaries and wages":465079,"Pension plan contributions":51600,"Other employee benefits":85572,"Payroll taxes":45774},"Other expenses":{"value":1852546,"Management services":0,"Legal":0,"Accounting":42960,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":19140,"Office expenses":427053,"Information technology":32596,"Royalties":0,"Occupancy":45397,"Travel":0,"Conferences and meetings":32641,"Interest":100354,"Payments to affiliates":0,"Depreciation and depletion":72764,"Insurance":45252,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1034389,"DIVIDENDS EXPENSE":672411,"PROVISION FOR LOAN LOSS":361978},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":93937316,"Non-interest bearing cash":285773,"Savings and temp cash investments":27620147,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":52121423,"Inventories for sale or use":0,"Prepaid expenses deferred charges":10837,"Land, building, equipment":826902,"Investments publicly traded":0,"Investments other":0,"Investments program related":11917616,"Intangible assets":0,"Other assets":1154618},"Liabilities":{"value":74152832,"Sum of Total Liabilities":0,"Accounts payable, accrued":130162,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":94533,"Loans from officers, directors":0,"Secured mortgages and notes payable":2000000,"Unsecured notes loans payable":0,"Other liabilities":71928137},"Fund balance":{"value":19784484,"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":0.38134009756133863,"percentile":0.8771448060898217},"Liabilities to Assets Ratio":{"score":0.7893863179995477,"percentile":0.08040637756397966},"Operating Reserve Ratio":{"score":35.30941766739187,"percentile":0.9727940675700282},"Officer Compensation Ratio":{"score":0.08022352996011133,"percentile":0.6234552857638921},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07547370188713241,"percentile":0.698946568599866},"Asset Growth":{"score":0.04152177182141094,"percentile":0.4934326784001579},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5910437039800239,"percentile":0.5791314385318085}},"source_xml":"201842719349301059_public.xml"},{"Organization":{"value":null,"Person":["MARK PETERS","LAUREL HASH","CHARLIE NOURSE","EDWARD MUNN","TERRY CLARK","DAN JONDLE","JEANNE HANDELAND","SHEILA BORCHERS","JUSTINE CHRESTIANSEN","DANNY HOFFMAN"],"Title":["CEO","LOAN MANAGER","BOARD CHAIR","VICE CHAIR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[344334,114460,0,0,0,0,0,0,0,0],"Direct compensation":[279676,93974,0,0,0,0,0,0,0,0],"Other compensation":[64658,20486,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To be our members optimum service center for their financial needs.","year":2022,"name":"EMPLOYEES CREDIT UNION","phone":7123625897,"website":"WWW.EMPLOYEESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MARK PETERS","year_formation":1947,"state_legal_domicile":"IA","total_volunteers":8,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"2714 CENTRAL AVE, ESTHERVILLE, IA, 51334, USA","city":"ESTHERVILLE","state":"IA","country":"USA","zip_code":51334},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":16,"Total Gross UBI":259,"Net unrelated business taxable income":null,"Number of employees":16,"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":6217747,"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":5139123,"Total revenue":{"value":5139123,"INTEREST ON LOANS":4385853,"MEMBER FEE INCOME":553341,"OTHER MEMBER RELATED INCOME":199670,"FEE & INSURANCE INCOME":259},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1078624,"Investment income total":1078624,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3873087,"Grant expense":{"value":7750,"Grants to domestic orgs":5500,"Grants to domestic individuals":2250,"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":1275438,"Current officers":373650,"Disqualified persons":0,"Other salaries and wages":601016,"Pension plan contributions":79200,"Other employee benefits":152748,"Payroll taxes":68824},"Other expenses":{"value":2589899,"Management services":0,"Legal":3250,"Accounting":42950,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":33726,"Office expenses":386021,"Information technology":46157,"Royalties":0,"Occupancy":71358,"Travel":0,"Conferences and meetings":26805,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":72903,"Insurance":13712,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1893017,"DIVIDENDS EXPENSE":1578144,"PROVISION FOR LOAN LOSS":314873},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":147822214,"Non-interest bearing cash":225494,"Savings and temp cash investments":50295694,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":74077278,"Inventories for sale or use":0,"Prepaid expenses deferred charges":30354,"Land, building, equipment":613860,"Investments publicly traded":0,"Investments other":0,"Investments program related":21132852,"Intangible assets":0,"Other assets":1446682},"Liabilities":{"value":117637107,"Sum of Total Liabilities":0,"Accounts payable, accrued":172105,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":176523,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":117288479},"Fund balance":{"value":30185107,"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":0.3770915735233357,"percentile":0.8752924330285311},"Liabilities to Assets Ratio":{"score":0.7958012792312799,"percentile":0.07954031492888781},"Operating Reserve Ratio":{"score":38.16651007323099,"percentile":0.9749944374374906},"Officer Compensation Ratio":{"score":0.11845693112496569,"percentile":0.4943334634076776},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07511006420311313,"percentile":0.6978348200974789},"Asset Growth":{"score":0.07010110473554947,"percentile":0.5980693765074673},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5891382831172598,"percentile":0.5734816713039781}},"source_xml":"202322019349300127_public.xml"},{"Organization":{"value":null,"Person":["CHARLIE NOURSE","EDWARD MUNN","TERRY CLARK","LOWELL SWALVE","DAN JONDLE","DARWIN OLESEN","SHEILA BORCHERS","JOEL JORGENSON","MARK PETERS"],"Title":["BOARD CHAIR","BOARD VICE C","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,45.0],"Total Compensation":[0,0,0,0,0,0,0,0,197685],"Direct compensation":[0,0,0,0,0,0,0,0,148299],"Other compensation":[0,0,0,0,0,0,0,0,49386]},"Basic":{"value":null,"mission":"To be our memberss optimum service center for their financial needs.","year":2015,"name":"EMPLOYEES CREDIT UNION","phone":7123625897,"website":"WWW.EMPLOYEESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MARK PETERS","year_formation":1947,"state_legal_domicile":"IA","total_volunteers":8,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"2714 CENTRAL AVE, ESTHERVILLE, IA, 51334, USA","city":"ESTHERVILLE","state":"IA","country":"USA","zip_code":51334},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":13,"Total Gross UBI":1006,"Net unrelated business taxable income":null,"Number of employees":13,"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":3634208,"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":3220232,"Total revenue":{"value":3220232,"INTEREST ON LOANS":2797396,"MEMBER FEE INCOME":365096,"OTHER MEMBER INCOME":56734,"NON MEMBER ATM FEES":1006},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":413976,"Investment income total":413976,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2032313,"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":709157,"Current officers":148299,"Disqualified persons":0,"Other salaries and wages":385917,"Pension plan contributions":50419,"Other employee benefits":85509,"Payroll taxes":39013},"Other expenses":{"value":1323156,"Management services":0,"Legal":0,"Accounting":27176,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":28281,"Office expenses":312640,"Information technology":25122,"Royalties":0,"Occupancy":33430,"Travel":0,"Conferences and meetings":24000,"Interest":167749,"Payments to affiliates":0,"Depreciation and depletion":55549,"Insurance":23733,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":625476,"DIVIDENDS EXPENSE":420093,"PROVISION FOR LOAN LOSS":205383},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":85982836,"Non-interest bearing cash":184969,"Savings and temp cash investments":27778391,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":43452462,"Inventories for sale or use":0,"Prepaid expenses deferred charges":44211,"Land, building, equipment":241354,"Investments publicly traded":0,"Investments other":0,"Investments program related":13142641,"Intangible assets":0,"Other assets":1138808},"Liabilities":{"value":69463347,"Sum of Total Liabilities":0,"Accounts payable, accrued":104165,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":78080,"Loans from officers, directors":0,"Secured mortgages and notes payable":3000000,"Unsecured notes loans payable":0,"Other liabilities":66281102},"Fund balance":{"value":16519489,"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":0.44078242081906155,"percentile":0.9000444088557658},"Liabilities to Assets Ratio":{"score":0.8078745739440369,"percentile":0.07787967874565944},"Operating Reserve Ratio":{"score":42.30787088406166,"percentile":0.9775498816856596},"Officer Compensation Ratio":{"score":0.09727094202517034,"percentile":0.5611793038206205},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07033851872806114,"percentile":0.6825427488436667},"Asset Growth":{"score":0.041973676702362225,"percentile":0.4952547460249684},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5900579475841966,"percentile":0.5762088624011401}},"source_xml":"201641189349300149_public.xml"},{"Organization":{"value":null,"Person":["CHARLES NOURSE","EDWARD MUNN","TERRY CLARK","LOWELL SWALVE","DAN JONDLE","DARWIN OLESEN","SHEILA BORCHERS","JOEL JORGENSON","MARK PETERS"],"Title":["BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,45.0],"Total Compensation":[0,0,0,0,0,0,0,0,161875],"Direct compensation":[0,0,0,0,0,0,0,0,130075],"Other compensation":[0,0,0,0,0,0,0,0,31800]},"Basic":{"value":null,"mission":"State chartered credit union","year":2013,"name":"EMPLOYEES CREDIT UNION","phone":7123625897,"website":"WWW.EMPLOYEESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MARK PETERS","year_formation":1947,"state_legal_domicile":null,"total_volunteers":9,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"2714 CENTRAL AVE, ESTHERVILLE, IA, 51334, USA","city":"ESTHERVILLE","state":"IA","country":"USA","zip_code":51334},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":12,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":12,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3156470,"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":2823357,"Total revenue":{"value":2823357,"INTEREST ON LOANS":2406493,"FEE INCOME":347094,"MISCELLANEOUS INCOME":69770},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":333113,"Investment income total":333113,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1937979,"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":625111,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":474702,"Pension plan contributions":38400,"Other employee benefits":75047,"Payroll taxes":36962},"Other expenses":{"value":1312868,"Management services":0,"Legal":0,"Accounting":23153,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":30864,"Office expenses":154874,"Information technology":0,"Royalties":0,"Occupancy":19895,"Travel":0,"Conferences and meetings":27611,"Interest":185194,"Payments to affiliates":0,"Depreciation and depletion":36107,"Insurance":46500,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":703729,"DIVIDEND EXPENSE":413098,"PROVISION FOR LOAN LOSS":123368,"PROFESSIONAL SERVICES":115430,"NCUA STABILIZATION LOSS":51833},"All other expenses":84941},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":79022782,"Non-interest bearing cash":170575,"Savings and temp cash investments":39728855,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":37748111,"Inventories for sale or use":0,"Prepaid expenses deferred charges":33364,"Land, building, equipment":203770,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1138107},"Liabilities":{"value":65332038,"Sum of Total Liabilities":0,"Accounts payable, accrued":102551,"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":3600000,"Unsecured notes loans payable":0,"Other liabilities":61629487},"Fund balance":{"value":13690744,"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":0.386029647042424,"percentile":0.8791677629614654},"Liabilities to Assets Ratio":{"score":0.8267494050006997,"percentile":0.07533454434617597},"Operating Reserve Ratio":{"score":40.77587115237059,"percentile":0.9766758368953605},"Officer Compensation Ratio":{"score":0.08352773688466181,"percentile":0.6107141862921828},"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":0.664293261487493,"percentile":0.7758017735841435}},"source_xml":"201421299349300617_public.xml"},{"Organization":{"value":null,"Person":["MARK PETERS","LAUREL HASH","CHARLIE NOURSE","EDWARD MUNN","TERRY CLARK","DAN JONDLE","JEANNE HANDELAND","SHEILA BORCHERS","JUSTINE CHRESTIANSEN","DANNY HOFFMAN"],"Title":["CEO","LOAN MANAGER","BOARD CHAIR","VICE CHAIR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[355849,126840,0,0,0,0,0,0,0,0],"Direct compensation":[287077,107000,0,0,0,0,0,0,0,0],"Other compensation":[68772,19840,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To be our members optimum service center for their financial needs.","year":2023,"name":"EMPLOYEES CREDIT UNION","phone":7123625897,"website":"WWW.EMPLOYEESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MARK PETERS","year_formation":1947,"state_legal_domicile":"IA","total_volunteers":8,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"2714 CENTRAL AVE, ESTHERVILLE, IA, 51334, USA","city":"ESTHERVILLE","state":"IA","country":"USA","zip_code":51334},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":16,"Total Gross UBI":299,"Net unrelated business taxable income":null,"Number of employees":16,"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":8972529,"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":6359154,"Total revenue":{"value":6359154,"INTEREST ON LOANS":5508886,"MEMBER FEE INCOME":637538,"OTHER MEMBER RELATED INCOME":212431,"FEE & INSURANCE INCOME":299},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2613375,"Investment income total":2613375,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":6973003,"Grant expense":{"value":8125,"Grants to domestic orgs":8125,"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":1432479,"Current officers":394077,"Disqualified persons":0,"Other salaries and wages":704470,"Pension plan contributions":107917,"Other employee benefits":148641,"Payroll taxes":77374},"Other expenses":{"value":5532399,"Management services":0,"Legal":1043,"Accounting":52645,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":26955,"Office expenses":616517,"Information technology":50461,"Royalties":0,"Occupancy":78471,"Travel":0,"Conferences and meetings":33664,"Interest":1587,"Payments to affiliates":0,"Depreciation and depletion":53094,"Insurance":22852,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4595110,"DIVIDENDS EXPENSE":4124595,"CREDIT LOSS EXPENSE":470515},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":158633797,"Non-interest bearing cash":296112,"Savings and temp cash investments":44763688,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":86995968,"Inventories for sale or use":0,"Prepaid expenses deferred charges":26626,"Land, building, equipment":603619,"Investments publicly traded":0,"Investments other":0,"Investments program related":24191464,"Intangible assets":0,"Other assets":1756320},"Liabilities":{"value":126449163,"Sum of Total Liabilities":0,"Accounts payable, accrued":284150,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":182957,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":125982056},"Fund balance":{"value":32184634,"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":0.22284976732869852,"percentile":0.7780345932554381},"Liabilities to Assets Ratio":{"score":0.7971136377703927,"percentile":0.07936148979160419},"Operating Reserve Ratio":{"score":22.749710132062184,"percentile":0.9537136192749813},"Officer Compensation Ratio":{"score":0.06922254299904933,"percentile":0.668367563723812},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.09179929097362739,"percentile":0.7444593853439015},"Asset Growth":{"score":0.07307676842238374,"percentile":0.6075329697795828},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5856922728274756,"percentile":0.5633116503275849}},"source_xml":"202441439349301304_public.xml"},{"Organization":{"value":null,"Person":["CHARLIE NOURSE","EDWARD MUNN","TERRY CLARK","LOWELL SWALVE","DAN JONDLE","DARWIN OLESEN","SHEILA BORCHERS","JOEL JORGENSON","MARK PETERS"],"Title":["BOARD CHAIR","BOARD VICE C","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,45.0],"Total Compensation":[0,0,0,0,0,0,0,0,206229],"Direct compensation":[0,0,0,0,0,0,0,0,150641],"Other compensation":[0,0,0,0,0,0,0,0,55588]},"Basic":{"value":null,"mission":"To be our members optimum service center for their financial needs.","year":2016,"name":"EMPLOYEES CREDIT UNION","phone":7123625897,"website":"WWW.EMPLOYEESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MARK PETERS","year_formation":1947,"state_legal_domicile":"IA","total_volunteers":8,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"2714 CENTRAL AVE, ESTHERVILLE, IA, 51334, USA","city":"ESTHERVILLE","state":"IA","country":"USA","zip_code":51334},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":12,"Total Gross UBI":1308,"Net unrelated business taxable income":null,"Number of employees":12,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3882752,"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":3402212,"Total revenue":{"value":3402212,"INTEREST ON LOANS":2952559,"MEMBER FEE INCOME":387552,"OTHER MEMBER INCOME":60793,"NON MEMBER ATM FEES":1308},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":480540,"Investment income total":480540,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2257622,"Grant expense":{"value":2250,"Grants to domestic orgs":0,"Grants to domestic individuals":2250,"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":747040,"Current officers":150641,"Disqualified persons":0,"Other salaries and wages":413064,"Pension plan contributions":51600,"Other employee benefits":90617,"Payroll taxes":41118},"Other expenses":{"value":1508332,"Management services":0,"Legal":0,"Accounting":33673,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":19830,"Office expenses":350117,"Information technology":24927,"Royalties":0,"Occupancy":33286,"Travel":0,"Conferences and meetings":28297,"Interest":119323,"Payments to affiliates":0,"Depreciation and depletion":60722,"Insurance":35839,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":802318,"DIVIDENDS EXPENSE":481848,"PROVISION FOR LOAN LOSS":320470},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":89808852,"Non-interest bearing cash":276456,"Savings and temp cash investments":28245483,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":46373761,"Inventories for sale or use":0,"Prepaid expenses deferred charges":27629,"Land, building, equipment":193459,"Investments publicly traded":0,"Investments other":0,"Investments program related":13584396,"Intangible assets":0,"Other assets":1107668},"Liabilities":{"value":71664233,"Sum of Total Liabilities":0,"Accounts payable, accrued":125723,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":92377,"Loans from officers, directors":0,"Secured mortgages and notes payable":2000000,"Unsecured notes loans payable":0,"Other liabilities":69446133},"Fund balance":{"value":18144619,"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":0.41855106893255095,"percentile":0.8920923908003764},"Liabilities to Assets Ratio":{"score":0.7979640247489189,"percentile":0.07924432143132214},"Operating Reserve Ratio":{"score":39.78028739975071,"percentile":0.9760729986041555},"Officer Compensation Ratio":{"score":0.09134788729025496,"percentile":0.5819309642220667},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06867472225669094,"percentile":0.6770150826560234},"Asset Growth":{"score":0.040902240666271364,"percentile":0.4909660603107468},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5890360984732582,"percentile":0.5731696952013475}},"source_xml":"201711109349300036_public.xml"},{"Organization":{"value":null,"Person":["CHARLIE NOURSE","EDWARD MUNN","TERRY CLARK","LOWELL SWALVE","DAN JONDLE","JEANNE HANDELAND","SHEILA BORCHERS","JUSTINE CHRESTIANSEN","MARK PETERS"],"Title":["BOARD CHAIR","VICE CHAIR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,235741],"Direct compensation":[0,0,0,0,0,0,0,0,177230],"Other compensation":[0,0,0,0,0,0,0,0,58511]},"Basic":{"value":null,"mission":"To be our members optimum service center for their financial needs.","year":2018,"name":"EMPLOYEES CREDIT UNION","phone":7123625897,"website":"WWW.EMPLOYEESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MARK PETERS","year_formation":1947,"state_legal_domicile":"IA","total_volunteers":8,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"2714 CENTRAL AVE, ESTHERVILLE, IA, 51334, USA","city":"ESTHERVILLE","state":"IA","country":"USA","zip_code":51334},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":15,"Total Gross UBI":1054,"Net unrelated business taxable income":null,"Number of employees":15,"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":4772825,"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":4027142,"Total revenue":{"value":4027142,"INTEREST ON LOANS":3445828,"MEMBER FEE INCOME":458819,"OTHER MEMBER INCOME":121441,"NON-MEMBER ATM FEES":1054},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":745683,"Investment income total":745683,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3450846,"Grant expense":{"value":5750,"Grants to domestic orgs":2750,"Grants to domestic individuals":3000,"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":1321036,"Current officers":177230,"Disqualified persons":0,"Other salaries and wages":551649,"Pension plan contributions":419211,"Other employee benefits":120129,"Payroll taxes":52817},"Other expenses":{"value":2124060,"Management services":0,"Legal":0,"Accounting":36267,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":24474,"Office expenses":403649,"Information technology":27030,"Royalties":0,"Occupancy":58268,"Travel":0,"Conferences and meetings":42853,"Interest":40608,"Payments to affiliates":0,"Depreciation and depletion":113251,"Insurance":20734,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1356926,"DIVIDENDS EXPENSE":1145437,"PROVISION FOR LOAN LOSS":211489},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":97494304,"Non-interest bearing cash":295664,"Savings and temp cash investments":28088062,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":55357386,"Inventories for sale or use":0,"Prepaid expenses deferred charges":43778,"Land, building, equipment":806444,"Investments publicly traded":0,"Investments other":0,"Investments program related":11783108,"Intangible assets":0,"Other assets":1119862},"Liabilities":{"value":76387841,"Sum of Total Liabilities":0,"Accounts payable, accrued":145745,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":105690,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":76136406},"Fund balance":{"value":21106463,"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":0.2769804046869517,"percentile":0.8204268100684802},"Liabilities to Assets Ratio":{"score":0.7835108090006981,"percentile":0.08121426569851188},"Operating Reserve Ratio":{"score":28.252290597725892,"percentile":0.9646271547224994},"Officer Compensation Ratio":{"score":0.06831397286346594,"percentile":0.6723137490861015},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.08176873135031296,"percentile":0.7176184000956367},"Asset Growth":{"score":0.04102380595500724,"percentile":0.49144912270766145},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5847460055578942,"percentile":0.5605424624473765}},"source_xml":"201941929349300134_public.xml"},{"Organization":{"value":null,"Person":["MARK PETERS","LAUREL HASH","CHARLIE NOURSE","EDWARD MUNN","TERRY CLARK","DAN JONDLE","JEANNE HANDELAND","SHEILA BORCHERS","JUSTINE CHRESTIANSEN","DANNY HOFFMAN"],"Title":["CEO","LOAN MANAGER","BOARD CHAIR","VICE CHAIR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[312574,126589,0,0,0,0,0,0,0,0],"Direct compensation":[245996,106963,0,0,0,0,0,0,0,0],"Other compensation":[66578,19626,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To be our members optimum service center for their financial needs.","year":2021,"name":"EMPLOYEES CREDIT UNION","phone":7123625897,"website":"WWW.EMPLOYEESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MARK PETERS","year_formation":1947,"state_legal_domicile":"IA","total_volunteers":8,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"2714 CENTRAL AVE, ESTHERVILLE, IA, 51334, USA","city":"ESTHERVILLE","state":"IA","country":"USA","zip_code":51334},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":14,"Total Gross UBI":310,"Net unrelated business taxable income":null,"Number of employees":14,"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":5411301,"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":4778778,"Total revenue":{"value":4778778,"INTEREST ON LOANS":4063316,"MEMBER FEE INCOME":566596,"OTHER MEMBER RELATED INCOME":148556,"FEE & INSURANCE INCOME":310},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":632523,"Investment income total":632523,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2785003,"Grant expense":{"value":5750,"Grants to domestic orgs":2750,"Grants to domestic individuals":3000,"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":1174534,"Current officers":352959,"Disqualified persons":0,"Other salaries and wages":530851,"Pension plan contributions":73600,"Other employee benefits":153250,"Payroll taxes":63874},"Other expenses":{"value":1604719,"Management services":0,"Legal":0,"Accounting":40668,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":15193,"Office expenses":437845,"Information technology":34097,"Royalties":0,"Occupancy":55246,"Travel":0,"Conferences and meetings":2510,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":65424,"Insurance":21562,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":932174,"DIVIDENDS EXPENSE":669174,"PROVISION FOR LOAN LOSS":263000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":136420831,"Non-interest bearing cash":249494,"Savings and temp cash investments":45382243,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":67081705,"Inventories for sale or use":0,"Prepaid expenses deferred charges":45767,"Land, building, equipment":616290,"Investments publicly traded":0,"Investments other":0,"Investments program related":21813776,"Intangible assets":0,"Other assets":1231556},"Liabilities":{"value":108580384,"Sum of Total Liabilities":0,"Accounts payable, accrued":180280,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":163905,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":108236199},"Fund balance":{"value":27840447,"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":0.48533578154310764,"percentile":0.9141323489879815},"Liabilities to Assets Ratio":{"score":0.7959223177580556,"percentile":0.07952208418751526},"Operating Reserve Ratio":{"score":48.984087629349055,"percentile":0.9805349719972216},"Officer Compensation Ratio":{"score":0.15768851954558039,"percentile":0.3949696881194913},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07669722118059456,"percentile":0.7027054040048143},"Asset Growth":{"score":0.06406891943849036,"percentile":0.5779585048559966},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.589785804305309,"percentile":0.5754011242738806}},"source_xml":"202201729349301815_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["MARK PETERS","LAUREL HASH","DALLAS QUASTAD","EDWARD MUNN","CHARLIE NOURSE","SHEILA BORCHERS","JUSTINE CHRESTIANSEN","TERRY CLARK","JEANNE HANDELAND","DANNY HOFFMAN","DAN JONDLE"],"Title":["CEO","LOAN MANAGER","LOAN OFFICER","BOARD CHAIR","BOARD CHAIR","VICE CHAIR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[389803,137634,123188,0,0,0,0,0,0,0,0],"Direct compensation":[318383,115029,101776,0,0,0,0,0,0,0,0],"Other compensation":[71420,22605,21412,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To be our members optimum service center for their financial needs.","year":2024,"name":"EMPLOYEES CREDIT UNION","phone":7123625897,"website":"EMPLOYEESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MARK PETERS","year_formation":1947,"state_legal_domicile":"IA","total_volunteers":7,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"2714 CENTRAL AVE, ESTHERVILLE, IA, 51334, USA","city":"ESTHERVILLE","state":"IA","country":"USA","zip_code":51334},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":7,"Number of employees total":16,"Total Gross UBI":306,"Net unrelated business taxable income":null,"Number of employees":16,"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":10760989,"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":7238860,"Total revenue":{"value":7238860,"INTEREST ON LOANS":6284876,"MEMBER FEE INCOME":714665,"OTHER MEMBER RELATED INCOME":239013,"FEE & INSURANCE INCOME":306},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3522129,"Investment income total":3522129,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":8456816,"Grant expense":{"value":8488,"Grants to domestic orgs":8488,"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":1566694,"Current officers":318383,"Disqualified persons":0,"Other salaries and wages":886933,"Pension plan contributions":102283,"Other employee benefits":171839,"Payroll taxes":87256},"Other expenses":{"value":6881634,"Management services":0,"Legal":1506,"Accounting":45093,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":22877,"Office expenses":339059,"Information technology":62855,"Royalties":0,"Occupancy":67634,"Travel":0,"Conferences and meetings":29208,"Interest":13,"Payments to affiliates":0,"Depreciation and depletion":56956,"Insurance":21114,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":6235319,"DIVIDENDS EXPENSE":5362767,"CREDIT LOSS EXPENSE":590133,"DEBIT CARD EXPENSE":282419},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":174076159,"Non-interest bearing cash":348948,"Savings and temp cash investments":49648928,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":88977954,"Inventories for sale or use":0,"Prepaid expenses deferred charges":49280,"Land, building, equipment":556169,"Investments publicly traded":0,"Investments other":0,"Investments program related":32625181,"Intangible assets":0,"Other assets":1869699},"Liabilities":{"value":139587351,"Sum of Total Liabilities":0,"Accounts payable, accrued":325157,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":188600,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":139073594},"Fund balance":{"value":34488808,"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":0.2141227911300718,"percentile":0.7700193960110291},"Liabilities to Assets Ratio":{"score":0.8018751780937445,"percentile":0.07870088146658735},"Operating Reserve Ratio":{"score":20.58412516010754,"percentile":0.9477682958794194},"Officer Compensation Ratio":{"score":0.07693498356828385,"percentile":0.6365607236366247},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10502077582143846,"percentile":0.7749782955672003},"Asset Growth":{"score":0.07551868179713293,"percentile":0.6151677667574009},"Independent Voting Board Pct":{"score":0.875,"percentile":0.22520058322737488},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5846330533396553,"percentile":0.5601826900059456}},"source_xml":"202521369349301987_public.xml"},"sector":"Public, Societal Benefit","donation_categories":[],"zakat_policy":null},"error":null}