{"success":true,"data":{"_id":420894163,"filings":[{"Organization":{"value":null,"Person":["DAN AASTRUP","JOEL MCANULTY","RANDY SWARTS","CRAIG MARKLEY","TAMI LICHTENBERG","JOHN NARIGON","BETHANY FISHER","KELLY MOLITOR","NOEMI CALDERON","JERRY OBER","STEPHEN HINDMAN","JANET BORER","RANDY SCHMERBACH"],"Title":["DIRECTOR","VICE-CHAIRMAN","CHAIRMAN","DIRECTOR","DIRECTOR","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","VICE PRESIDENT","CFO","CEO","VICE PRESIDENT"],"Hours":[1.0,1.0,1.5,1.0,1.0,1.5,1.0,1.0,1.0,55.0,55.0,55.0,55.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,108333,57359,214246,105689],"Direct compensation":[0,0,0,0,0,0,0,0,0,92294,51388,192152,92793],"Other compensation":[0,0,0,0,0,0,0,0,0,16039,5971,22094,12896]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative that provides deposit, loan, and other financial services to our member owners.","year":2019,"name":"MEMBERS1ST COMMUNITY CREDIT UNION","phone":6417521582,"website":"WWW.MEMBERS1ST.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JANET BORER","year_formation":1964,"state_legal_domicile":"IA","total_volunteers":0,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"PO BOX 807, AMES, IA, 50010, USA","city":"AMES","state":"IA","country":"USA","zip_code":50010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":69,"Total Gross UBI":19502,"Net unrelated business taxable income":980,"Number of employees":69,"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":7960513,"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":5817920,"Total revenue":5066714,"Total other revenue":751206,"Unrelated business revenue":0},"Investment income":{"value":1288864,"Investment income total":1288864,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":853729,"Other total":853729,"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":6514903,"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":2539207,"Current officers":485627,"Disqualified persons":0,"Other salaries and wages":1639940,"Pension plan contributions":0,"Other employee benefits":248588,"Payroll taxes":165052},"Other expenses":{"value":3975696,"Management services":105538,"Legal":-8894,"Accounting":32400,"Lobbying services":0,"Investment management fees":21349,"Other services":105490,"Advertising":174838,"Office expenses":280452,"Information technology":353220,"Royalties":0,"Occupancy":242833,"Travel":21945,"Conferences and meetings":66804,"Interest":635537,"Payments to affiliates":14136,"Depreciation and depletion":118106,"Insurance":54849,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1209372,"PROVISION FOR LOAN LOSS":547788,"ATM/DEBIT CARD EXPENSE":394820,"MORTGAGE PROCESSING EXP":140813,"DEALER FEES ON LOANS PU":125951},"All other expenses":547721},"Functional Expenses":{"value":null,"Program Service Expenses":6514903,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":177733915,"Non-interest bearing cash":7106928,"Savings and temp cash investments":31008506,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":118135522,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1863259,"Investments publicly traded":0,"Investments other":13692866,"Investments program related":3453800,"Intangible assets":0,"Other assets":2473034},"Liabilities":{"value":157808505,"Sum of Total Liabilities":0,"Accounts payable, accrued":985246,"Grants payable":0,"Deferred, revenue":25833,"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":156797426},"Fund balance":{"value":19925410,"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":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.18159759301944486,"percentile":0.7368982156770394},"Liabilities to Assets Ratio":{"score":0.8878919085307945,"percentile":0.06662291288737253},"Operating Reserve Ratio":{"score":27.281129895564064,"percentile":0.9630791355100855},"Officer Compensation Ratio":{"score":0.07454094097793935,"percentile":0.6461829691821482},"Program Expense Growth":{"score":0.5200141547591186,"percentile":0.935940500479434},"Revenue Growth":{"score":0.10810930089361287,"percentile":0.7814581291324862},"Asset Growth":{"score":0.03576704067732982,"percentile":0.4699361645518552},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.8259946871772488,"percentile":0.972285922898306}},"source_xml":"202013109349302056_public.xml"},{"Organization":{"value":null,"Person":["EUGENE GOODMAN","LARRY MUCKELROY","VIRTUS BROCKMAN","CANDACE BAKER","DONALD SHIRLEY","MACKENZIE LEWIS","ROBERT NORTH","JOEL MCANULTY","STEVE HUBBARD","RANDY SWARTS","WARREN MUELLER","STEVE CRANDELL","JERRY OBER","CAROL ANDERSON","JANET BORER"],"Title":["CHAIRMAN","DIRECTOR","BOARD CFO","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","VICE-CHAIRMAN","DIRECTOR","DIRECTOR","CEO - PART YEAR","SENIOR VICE PRESIDENT - PART YEAR","VICE PRESIDENT","VICE PRESIDENT","CEO - PART YEAR"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,55.0,55.0,55.0,55.0,55.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,52695,74342,110196,90976,120015],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,47288,69909,91360,73681,116731],"Other compensation":[0,0,0,0,0,0,0,0,0,0,5407,4433,18836,17295,3284]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative that provides deposit, loan, and other financial services to our member owners.","year":2014,"name":"MEMBERS1ST COMMUNITY CREDIT UNION","phone":6417521582,"website":"WWW.MEMBERS1ST.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JANET BORER","year_formation":1964,"state_legal_domicile":"IA","total_volunteers":10,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"910 S 12TH AVENUE, MARSHALLTOWN, IA, 50158, USA","city":"MARSHALLTOWN","state":"IA","country":"USA","zip_code":50158},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":46,"Total Gross UBI":1800,"Net unrelated business taxable income":-22,"Number of employees":46,"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":4250600,"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":3599049,"Total revenue":{"value":3599049,"LOAN INTEREST":2735315,"FEE INCOME":487856,"OTHER OPERATING INCOME":375878},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":651551,"Investment income total":651551,"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":4093476,"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":279752,"Benefits paid to members Total":279752},"Salaries":{"value":1921513,"Current officers":308375,"Disqualified persons":0,"Other salaries and wages":1330760,"Pension plan contributions":0,"Other employee benefits":172447,"Payroll taxes":109931},"Other expenses":{"value":1892211,"Management services":0,"Legal":13425,"Accounting":24000,"Lobbying services":0,"Investment management fees":0,"Other services":278819,"Advertising":0,"Office expenses":222702,"Information technology":0,"Royalties":0,"Occupancy":339331,"Travel":40170,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":147892,"Insurance":6393,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":783479,"LOAN SERVICING EXPENSE":383602,"EDUCATION AND PROMOTION":239444,"PROVISION FOR LOAN AND":104387,"MISCELLANEOUS OPERATING":56046},"All other expenses":36000},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":145364264,"Non-interest bearing cash":5372185,"Savings and temp cash investments":67640934,"Pledges and grants receivable":0,"Accounts receivable":3927,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":61650310,"Inventories for sale or use":0,"Prepaid expenses deferred charges":202353,"Land, building, equipment":2001695,"Investments publicly traded":0,"Investments other":174600,"Investments program related":3631196,"Intangible assets":0,"Other assets":4687064},"Liabilities":{"value":131238466,"Sum of Total Liabilities":0,"Accounts payable, accrued":289714,"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":130948752},"Fund balance":{"value":14125798,"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":0.03696513433397638,"percentile":0.49487443543790005},"Liabilities to Assets Ratio":{"score":0.902824823575621,"percentile":0.06420703239582258},"Operating Reserve Ratio":{"score":35.51120465833927,"percentile":0.9729767580880467},"Officer Compensation Ratio":{"score":0.10949716084813982,"percentile":0.5214180675706102},"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":0.5704870904389904,"percentile":0.5183204966499566}},"source_xml":"201512109349301116_public.xml"},{"Organization":{"value":null,"Person":["KELLY MOLITOR","JOHN DOSTART","JACK EVANS","CRAIG MARKLEY","JON NUNEZ","DIRK DAHMS","RONDA KELLEY","TAMI LICHTENBERG","SCOTT SMITH","DAVID BEENKEN- DRAPER","NICHOLAS TONELLI","THOMAS BLANFORD","ERIC KRIEGER","AMY LANG"],"Title":["CHAIRMAN","VICE-CHAIRMAN","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","ASSOCIATE DIRECTOR","CEO","CFO","VICE PRESIDENT OF LENDING","DIRECTOR OF BUSINESS SERVICES"],"Hours":[2.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,55.0,55.0,45.0,50.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,286004,156674,138120,112465],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,252328,137374,125042,101909],"Other compensation":[0,0,0,0,0,0,0,0,0,0,33676,19300,13078,10556]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative that provides deposit, loan, and other financial services to our member owners.","year":2024,"name":"MEMBERS1ST COMMUNITY CREDIT UNION","phone":6417521582,"website":"WWW.MEMBERS1ST.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"NICK TONELLI","year_formation":1964,"state_legal_domicile":"IA","total_volunteers":0,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO BOX 807, AMES, IA, 50010, USA","city":"AMES","state":"IA","country":"USA","zip_code":50010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":87,"Total Gross UBI":55642,"Net unrelated business taxable income":23876,"Number of employees":87,"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":15919606,"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":10796262,"Total revenue":9560352,"Total other revenue":1235910,"Unrelated business revenue":0},"Investment income":{"value":3037218,"Investment income total":2803231,"Net investment gain":233987,"Income from invest bond proceeds":0},"Other revenues":{"value":2086126,"Other total":2086126,"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":14148299,"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":4801496,"Current officers":693263,"Disqualified persons":0,"Other salaries and wages":3404764,"Pension plan contributions":0,"Other employee benefits":376445,"Payroll taxes":327024},"Other expenses":{"value":9346803,"Management services":165564,"Legal":24186,"Accounting":71088,"Lobbying services":0,"Investment management fees":6393,"Other services":168489,"Advertising":372215,"Office expenses":355029,"Information technology":419437,"Royalties":0,"Occupancy":412707,"Travel":121447,"Conferences and meetings":137228,"Interest":3622345,"Payments to affiliates":19739,"Depreciation and depletion":474810,"Insurance":90424,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1980571,"ATM/DEBIT CARD EXPENSE":987481,"PROVISION FOR LOAN LOSS":901639,"MORTGAGE PROCESSING EXP":91451},"All other expenses":905131},"Functional Expenses":{"value":null,"Program Service Expenses":14148299,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":271103287,"Non-interest bearing cash":34158637,"Savings and temp cash investments":8323000,"Pledges and grants receivable":0,"Accounts receivable":11040,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":173623149,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":11883096,"Investments publicly traded":38455,"Investments other":31592631,"Investments program related":3406600,"Intangible assets":0,"Other assets":8066679},"Liabilities":{"value":245343218,"Sum of Total Liabilities":0,"Accounts payable, accrued":1885116,"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":243458102},"Fund balance":{"value":25760069,"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":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.11126575620024767,"percentile":0.6420038889847899},"Liabilities to Assets Ratio":{"score":0.9049806098440998,"percentile":0.06383914013172018},"Operating Reserve Ratio":{"score":19.161546345606634,"percentile":0.9432186148704019},"Officer Compensation Ratio":{"score":0.048999741947777606,"percentile":0.7617656639872002},"Program Expense Growth":{"score":0.2390092758991528,"percentile":0.8324731512655088},"Revenue Growth":{"score":0.11251499667694675,"percentile":0.790172658377967},"Asset Growth":{"score":0.06536511303213464,"percentile":0.5823884926294435},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.810867814831442,"percentile":0.9650262789870296}},"source_xml":"202521889349300327_public.xml"},{"Organization":{"value":null,"Person":["EUGENE GOODMAN","VIRTUS BROCKMAN","CANDACE BAKER","DONALD SHIRLEY","ROBERT NORTH","JOEL MCANULTY","STEVE HUBBARD","RANDY SWARTS","JEFF VANCE","TAMI LICHTENBERG","SUSAN KLAESSY","JERRY OBER","CAROL ANDERSON","JANET BORER"],"Title":["VICE-CHAIRMAN","BOARD CFO","SECRETARY","DIRECTOR","DIRECTOR","CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","VICE PRESIDENT","VICE PRESIDENT","CEO"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,55.0,55.0,55.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,105835,101316,177882],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,94503,88785,159936],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,11332,12531,17946]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative that provides deposit, loan, and other financial services to our member owners.","year":2015,"name":"MEMBERS1ST COMMUNITY CREDIT UNION","phone":6417521582,"website":"WWW.MEMBERS1ST.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JANET BORER","year_formation":1964,"state_legal_domicile":"IA","total_volunteers":9,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"910 S 12TH AVENUE, MARSHALLTOWN, IA, 50158, USA","city":"MARSHALLTOWN","state":"IA","country":"USA","zip_code":50158},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":0,"Total Gross UBI":8160,"Net unrelated business taxable income":-648,"Number of employees":0,"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":5510929,"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":4591625,"Total revenue":{"value":4591625,"LOAN INTEREST":2921055,"OTHER OPERATING INCOME":1145931,"FEE INCOME":524639},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":919304,"Investment income total":866133,"Net investment gain":53171,"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":4875083,"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":233170,"Benefits paid to members Total":233170},"Salaries":{"value":1911991,"Current officers":385033,"Disqualified persons":0,"Other salaries and wages":1189625,"Pension plan contributions":0,"Other employee benefits":219102,"Payroll taxes":118231},"Other expenses":{"value":2729922,"Management services":0,"Legal":12083,"Accounting":24000,"Lobbying services":0,"Investment management fees":0,"Other services":465997,"Advertising":0,"Office expenses":755356,"Information technology":0,"Royalties":0,"Occupancy":340078,"Travel":48992,"Conferences and meetings":0,"Interest":3413,"Payments to affiliates":0,"Depreciation and depletion":165452,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":902051,"EDUCATION AND PROMOTION":320251,"LOAN SERVICING EXPENSE":317020,"PROVISION FOR LOAN AND":208934,"MISCELLANEOUS OPERATING":55846},"All other expenses":12500},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":150023984,"Non-interest bearing cash":6079317,"Savings and temp cash investments":41651573,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":71777271,"Inventories for sale or use":0,"Prepaid expenses deferred charges":142640,"Land, building, equipment":2022110,"Investments publicly traded":0,"Investments other":19642500,"Investments program related":3034211,"Intangible assets":0,"Other assets":5674362},"Liabilities":{"value":135262340,"Sum of Total Liabilities":0,"Accounts payable, accrued":874233,"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":134388107},"Fund balance":{"value":14761644,"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":0.1153790948858169,"percentile":0.648592051772696},"Liabilities to Assets Ratio":{"score":0.9016047727408706,"percentile":0.06440757055092071},"Operating Reserve Ratio":{"score":30.77362662338262,"percentile":0.9681176753278274},"Officer Compensation Ratio":{"score":0.07897978352368565,"percentile":0.6284095065949646},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.1328437657431269,"percentile":0.8247547280107709},"Asset Growth":{"score":0.015481686742637219,"percentile":0.3847932630318207},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6195258489471968,"percentile":0.6613959370712204}},"source_xml":"201602239349301185_public.xml"},{"Organization":{"value":null,"Person":["EUGENE GOODMAN","VIRTUS BROCKMAN","CANDACE BAKER","DONALD SHIRLEY","TOM DONALD","JOEL MCANULTY","RANDY SWARTS","JEFF VANCE","TAMI LICHTENBERG","SUSAN KLAESSY","JERRY OBER","CAROL ANDERSON","JANET BORER"],"Title":["DIRECTOR","BOARD CFO","SECRETARY","DIRECTOR","DIRECTOR","CHAIRMAN","VICE-CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","VICE PRESIDENT","VICE PRESIDENT","CEO"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,55.0,55.0,55.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,108419,102388,188151],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,96815,91100,169430],"Other compensation":[0,0,0,0,0,0,0,0,0,0,11604,11288,18721]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative that provides deposit, loan, and other financial services to our member owners.","year":2017,"name":"MEMBERS1ST COMMUNITY CREDIT UNION","phone":6417521582,"website":"WWW.MEMBERS1ST.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JANET BORER","year_formation":1964,"state_legal_domicile":"IA","total_volunteers":0,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"910 S 12TH AVENUE, MARSHALLTOWN, IA, 50158, USA","city":"MARSHALLTOWN","state":"IA","country":"USA","zip_code":50158},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":57,"Total Gross UBI":0,"Net unrelated business taxable income":-781,"Number of employees":57,"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":6152522,"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":4542137,"Total revenue":3951407,"Total other revenue":590730,"Unrelated business revenue":0},"Investment income":{"value":901097,"Investment income total":901097,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":709288,"Other total":709288,"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":5113450,"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":2150494,"Current officers":398959,"Disqualified persons":0,"Other salaries and wages":1428056,"Pension plan contributions":0,"Other employee benefits":187885,"Payroll taxes":135594},"Other expenses":{"value":2962956,"Management services":93342,"Legal":10200,"Accounting":31400,"Lobbying services":0,"Investment management fees":0,"Other services":116000,"Advertising":215783,"Office expenses":206555,"Information technology":404481,"Royalties":0,"Occupancy":145739,"Travel":18842,"Conferences and meetings":34183,"Interest":317310,"Payments to affiliates":23311,"Depreciation and depletion":118700,"Insurance":44195,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1075856,"LOAN SERVICING EXPENSE":431171,"CARD EXPENSE":419128,"PROVISION FOR LOAN LOSS":225557},"All other expenses":107059},"Functional Expenses":{"value":null,"Program Service Expenses":5113450,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":162935375,"Non-interest bearing cash":8801726,"Savings and temp cash investments":28537865,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":97959408,"Inventories for sale or use":0,"Prepaid expenses deferred charges":58978,"Land, building, equipment":1838387,"Investments publicly traded":0,"Investments other":20111818,"Investments program related":3387800,"Intangible assets":0,"Other assets":2239393},"Liabilities":{"value":146142812,"Sum of Total Liabilities":0,"Accounts payable, accrued":1025466,"Grants payable":0,"Deferred, revenue":733,"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":145116613},"Fund balance":{"value":16792563,"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":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.1688855399460579,"percentile":0.7223113637554036},"Liabilities to Assets Ratio":{"score":0.8969372795809382,"percentile":0.06517735848438219},"Operating Reserve Ratio":{"score":31.86407904643636,"percentile":0.9694124741651559},"Officer Compensation Ratio":{"score":0.07802129677614918,"percentile":0.6321744995352976},"Program Expense Growth":{"score":1.0,"percentile":0.9852677932581034},"Revenue Growth":{"score":0.09767205703299064,"percentile":0.7585795152149404},"Asset Growth":{"score":0.030257488646708155,"percentile":0.4470023356893956},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.8252298945809783,"percentile":0.9719569480977757}},"source_xml":"201832999349300538_public.xml"},{"Organization":{"value":null,"Person":["EUGENE GOODMAN","CANDACE BAKER","DAN AASTRUP","TERRI LEAVY","JOEL MCANULTY","RANDY SWARTS","CRAIG MARKLEY","TAMI LICHTENBERG","JOHN NARIGON","JERRY OBER","CAROL ANDERSON","JANET BORER","RANDY SCHMERBACH"],"Title":["DIRECTOR","SECRETARY","DIRECTOR","DIRECTOR","VICE-CHAIRMAN","CHAIRMAN","DIRECTOR","DIRECTOR","TREASURER","VICE PRESIDENT","VICE PRESIDENT","CEO","VICE PRESIDENT"],"Hours":[0.5,0.5,0.5,0.5,0.5,2.0,0.5,0.5,0.5,55.0,55.0,55.0,55.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,98180,105740,205476,97832],"Direct compensation":[0,0,0,0,0,0,0,0,0,86119,93954,178634,86625],"Other compensation":[0,0,0,0,0,0,0,0,0,12061,11786,26842,11207]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative that provides deposit, loan, and other financial services to our member owners.","year":2018,"name":"MEMBERS1ST COMMUNITY CREDIT UNION","phone":6417521582,"website":"WWW.MEMBERS1ST.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JANET BORER","year_formation":1964,"state_legal_domicile":"IA","total_volunteers":0,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"910 S 12TH AVENUE, MARSHALLTOWN, IA, 50158, USA","city":"MARSHALLTOWN","state":"IA","country":"USA","zip_code":50158},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":59,"Total Gross UBI":0,"Net unrelated business taxable income":789,"Number of employees":59,"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":7228648,"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":5081964,"Total revenue":4413496,"Total other revenue":668468,"Unrelated business revenue":0},"Investment income":{"value":1099663,"Investment income total":1099663,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1047021,"Other total":1047021,"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":5877420,"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":2435233,"Current officers":507228,"Disqualified persons":0,"Other salaries and wages":1550327,"Pension plan contributions":0,"Other employee benefits":223561,"Payroll taxes":154117},"Other expenses":{"value":3442187,"Management services":120632,"Legal":12700,"Accounting":67200,"Lobbying services":0,"Investment management fees":11113,"Other services":103603,"Advertising":178481,"Office expenses":223823,"Information technology":350048,"Royalties":0,"Occupancy":228728,"Travel":25722,"Conferences and meetings":35792,"Interest":430644,"Payments to affiliates":16789,"Depreciation and depletion":103302,"Insurance":39914,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1123658,"ATM/DEBIT CARD EXPENSE":390822,"PROVISION FOR LOAN LOSS":381263,"DEALER FEES ON LOANS PU":190619,"MORTGAGE PROCESSING EXP":160954},"All other expenses":370038},"Functional Expenses":{"value":null,"Program Service Expenses":5877420,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":169759406,"Non-interest bearing cash":7375549,"Savings and temp cash investments":21582893,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":113973627,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1779013,"Investments publicly traded":0,"Investments other":19015939,"Investments program related":3395600,"Intangible assets":0,"Other assets":2636785},"Liabilities":{"value":151615954,"Sum of Total Liabilities":0,"Accounts payable, accrued":1539436,"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":150076518},"Fund balance":{"value":18143452,"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":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.18692679460944842,"percentile":0.7427587987720411},"Liabilities to Assets Ratio":{"score":0.8931225525141152,"percentile":0.06579658917167705},"Operating Reserve Ratio":{"score":28.883320572632208,"percentile":0.9655751649216421},"Officer Compensation Ratio":{"score":0.08630113212940371,"percentile":0.6003574032732826},"Program Expense Growth":{"score":0.6976302018987448,"percentile":0.9615364511255774},"Revenue Growth":{"score":0.10675888701218533,"percentile":0.7786352230258206},"Asset Growth":{"score":0.033283670050508855,"percentile":0.4596729810557114},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.826541240349331,"percentile":0.972522304791453}},"source_xml":"201902989349301225_public.xml"},{"Organization":{"value":null,"Person":["TAMI LICHTENBERG","CRAIG MARKLEY","JOHN NARIGON","KELLY MOLITOR","JACK EVANS","JON NUNEZ","JOHN MCANULTY","RONDA KELLEY","DAN AASTRUP","JANET BORER","STEPHEN HINDMAN","JERRY OBER","RANDY SCHMERBACH"],"Title":["CHAIRMAN","VICE-CHAIRMAN","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CFO","VICE PRESIDENT","VICE PRESIDENT"],"Hours":[1.0,1.0,1.0,1.0,0.75,0.75,0.75,0.75,0.75,55.0,55.0,55.0,55.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,255577,144332,133640,126924],"Direct compensation":[0,0,0,0,0,0,0,0,0,224267,122728,106532,102426],"Other compensation":[0,0,0,0,0,0,0,0,0,31310,21604,27108,24498]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative that provides deposit, loan, and other financial services to our member owners.","year":2022,"name":"MEMBERS1ST COMMUNITY CREDIT UNION","phone":6417521582,"website":"WWW.MEMBERS1ST.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"NICK TONELLI","year_formation":1964,"state_legal_domicile":"IA","total_volunteers":0,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"PO BOX 807, AMES, IA, 50010, USA","city":"AMES","state":"IA","country":"USA","zip_code":50010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":71,"Total Gross UBI":51061,"Net unrelated business taxable income":17147,"Number of employees":71,"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":8850118,"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":6432090,"Total revenue":5361482,"Total other revenue":1070608,"Unrelated business revenue":0},"Investment income":{"value":1352520,"Investment income total":1352520,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1065508,"Other total":1065508,"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":7573629,"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":3643807,"Current officers":660473,"Disqualified persons":0,"Other salaries and wages":2392984,"Pension plan contributions":0,"Other employee benefits":351622,"Payroll taxes":238728},"Other expenses":{"value":3929822,"Management services":193185,"Legal":13780,"Accounting":59279,"Lobbying services":0,"Investment management fees":25756,"Other services":105955,"Advertising":188095,"Office expenses":264736,"Information technology":381746,"Royalties":0,"Occupancy":298171,"Travel":42481,"Conferences and meetings":88619,"Interest":448466,"Payments to affiliates":16457,"Depreciation and depletion":130171,"Insurance":68662,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":952871,"ATM/DEBIT CARD EXPENSE":733017,"MORTGAGE PROCESSING EXP":217798,"DEALER FEES ON LOANS PU":2056},"All other expenses":651392},"Functional Expenses":{"value":null,"Program Service Expenses":7573629,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":237018229,"Non-interest bearing cash":16939188,"Savings and temp cash investments":23204639,"Pledges and grants receivable":0,"Accounts receivable":-1317,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":143121181,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":2985643,"Investments publicly traded":134451,"Investments other":40903790,"Investments program related":3537900,"Intangible assets":0,"Other assets":6192754},"Liabilities":{"value":215416559,"Sum of Total Liabilities":0,"Accounts payable, accrued":1644191,"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":213772368},"Fund balance":{"value":21601670,"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":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.14423412207611244,"percentile":0.6909056003052166},"Liabilities to Assets Ratio":{"score":0.9088607231134108,"percentile":0.06319123187372692},"Operating Reserve Ratio":{"score":31.29519930273849,"percentile":0.9687566879583304},"Officer Compensation Ratio":{"score":0.08720693870798266,"percentile":0.5970231696757144},"Program Expense Growth":{"score":0.30207594361369444,"percentile":0.8661436451211267},"Revenue Growth":{"score":0.08660664737713292,"percentile":0.730971700667245},"Asset Growth":{"score":0.06171139843718646,"percentile":0.5697887786539689},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.8090274007135717,"percentile":0.9640195561020026}},"source_xml":"202332629349300603_public.xml"},{"Organization":{"value":null,"Person":["DAN AASTRUP","JOEL MCANULTY","RANDY SWARTS","CRAIG MARKLEY","TAMI LICHTENBERG","JOHN NARIGON","BETHANY FISHER","KELLY MOLITOR","NOEMI CALDERON","JERRY OBER","STEPHEN HINDMAN","JANET BORER","RANDY SCHMERBACH"],"Title":["DIRECTOR","VICE-CHAIRMAN","CHAIRMAN","DIRECTOR","DIRECTOR","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","VICE PRESIDENT","CFO","CEO","VICE PRESIDENT"],"Hours":[1.0,1.0,1.5,1.0,1.0,1.5,1.0,1.0,1.0,55.0,55.0,55.0,55.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,117594,126008,207808,116198],"Direct compensation":[0,0,0,0,0,0,0,0,0,98015,106823,182969,98854],"Other compensation":[0,0,0,0,0,0,0,0,0,19579,19185,24839,17344]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative that provides deposit, loan, and other financial services to our member owners.","year":2020,"name":"MEMBERS1ST COMMUNITY CREDIT UNION","phone":6417521582,"website":"WWW.MEMBERS1ST.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JANET BORER","year_formation":1964,"state_legal_domicile":"IA","total_volunteers":0,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"PO BOX 807, AMES, IA, 50010, USA","city":"AMES","state":"IA","country":"USA","zip_code":50010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":65,"Total Gross UBI":31834,"Net unrelated business taxable income":0,"Number of employees":65,"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":7830882,"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":5847209,"Total revenue":5034544,"Total other revenue":812665,"Unrelated business revenue":0},"Investment income":{"value":1129494,"Investment income total":1115614,"Net investment gain":13880,"Income from invest bond proceeds":0},"Other revenues":{"value":854179,"Other total":854179,"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":6935077,"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":2924565,"Current officers":567608,"Disqualified persons":0,"Other salaries and wages":1851464,"Pension plan contributions":0,"Other employee benefits":316818,"Payroll taxes":188675},"Other expenses":{"value":4010512,"Management services":169394,"Legal":6000,"Accounting":50167,"Lobbying services":0,"Investment management fees":23233,"Other services":82273,"Advertising":192371,"Office expenses":278457,"Information technology":361550,"Royalties":0,"Occupancy":255643,"Travel":13558,"Conferences and meetings":59617,"Interest":646741,"Payments to affiliates":13935,"Depreciation and depletion":159852,"Insurance":59222,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1194554,"ATM/DEBIT CARD EXPENSE":528882,"MORTGAGE PROCESSING EXP":408763,"PROVISION FOR LOAN LOSS":164120,"DEALER FEES ON LOANS PU":92789},"All other expenses":443945},"Functional Expenses":{"value":null,"Program Service Expenses":6935077,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":227098240,"Non-interest bearing cash":18160364,"Savings and temp cash investments":50832145,"Pledges and grants receivable":0,"Accounts receivable":3926,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":126531359,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1955535,"Investments publicly traded":945530,"Investments other":19955369,"Investments program related":3463300,"Intangible assets":0,"Other assets":5250712},"Liabilities":{"value":206262665,"Sum of Total Liabilities":0,"Accounts payable, accrued":1358914,"Grants payable":0,"Deferred, revenue":15833,"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":204887918},"Fund balance":{"value":20835575,"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":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.11439388309005295,"percentile":0.6470264307080207},"Liabilities to Assets Ratio":{"score":0.9082530318156583,"percentile":0.06329385660886908},"Operating Reserve Ratio":{"score":32.74631846192912,"percentile":0.9703738223888443},"Officer Compensation Ratio":{"score":0.0818459549908386,"percentile":0.6171438311306163},"Program Expense Growth":{"score":0.404731321693375,"percentile":0.9049559511945576},"Revenue Growth":{"score":0.0963955696771867,"percentile":0.7555908687120487},"Asset Growth":{"score":0.057001015883290485,"percentile":0.553010560927121},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.8084962882202756,"percentile":0.9637349779006928}},"source_xml":"202123149349303952_public.xml"},{"Organization":{"value":null,"Person":["EUGENE GOODMAN","LARRY MUCKELROY","VIRTUS BROCKMAN","CANDACE BAKER","DONALD SHIRLEY","FRAN FRAZIER","ROBERT NORTH","JOEL MCANULTY","STEVE HUBBARD","RANDY SWARTS","WARREN MUELLER","STEVE CRANDELL","JERRY OBER"],"Title":["CHAIRMAN","VICE CHAIRMAN","BOARD CFO","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","SENIOR VICE PRESIDENT","VICE PRESIDENT"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,55.0,55.0,55.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,156959,109641,71167],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,139167,102890,65411],"Other compensation":[0,0,0,0,0,0,0,0,0,0,17792,6751,5756]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative that provides deposit, loan, and other financial services to our member owners.","year":2013,"name":"MEMBERS1ST COMMUNITY CREDIT UNION","phone":6417521582,"website":"WWW.MEMBERS1ST.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JANET BORER","year_formation":1964,"state_legal_domicile":"IA","total_volunteers":10,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"910 S 12TH AVENUE, MARSHALLTOWN, IA, 50158, USA","city":"MARSHALLTOWN","state":"IA","country":"USA","zip_code":50158},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":45,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":45,"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":4268403,"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":3928774,"Total revenue":{"value":3928774,"LOAN INTEREST":3044146,"FEE INCOME":527366,"OTHER OPERATING INCOME":357262},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":339629,"Investment income total":373982,"Net investment gain":-34353,"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":4113681,"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":465789,"Benefits paid to members Total":465789},"Salaries":{"value":1937021,"Current officers":337767,"Disqualified persons":0,"Other salaries and wages":1264152,"Pension plan contributions":0,"Other employee benefits":218744,"Payroll taxes":116358},"Other expenses":{"value":1710871,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":159269,"Advertising":0,"Office expenses":292790,"Information technology":0,"Royalties":0,"Occupancy":384607,"Travel":20005,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":120774,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":733426,"LOAN SERVICING EXPENSE":315321,"EDUCATION AND PROMOTION":200030,"PROVISION FOR LOAN AND":145000,"MISCELLANEOUS OPERATING":73075},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":145473792,"Non-interest bearing cash":37428116,"Savings and temp cash investments":46857983,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":52753630,"Inventories for sale or use":0,"Prepaid expenses deferred charges":234288,"Land, building, equipment":2078780,"Investments publicly traded":0,"Investments other":175300,"Investments program related":1441161,"Intangible assets":0,"Other assets":4504534},"Liabilities":{"value":131505118,"Sum of Total Liabilities":0,"Accounts payable, accrued":254713,"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":131250405},"Fund balance":{"value":13968674,"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":0.03624821742464336,"percentile":0.49314475228560906},"Liabilities to Assets Ratio":{"score":0.90397807187153,"percentile":0.06400690392030585},"Operating Reserve Ratio":{"score":35.36341101801525,"percentile":0.9728437820251526},"Officer Compensation Ratio":{"score":0.08210821403020799,"percentile":0.6161333537154459},"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":0.577143294330748,"percentile":0.5380211875770315}},"source_xml":"201431329349302023_public.xml"},{"Organization":{"value":null,"Person":["EUGENE GOODMAN","VIRTUS BROCKMAN","CANDACE BAKER","DONALD SHIRLEY","TOM DONALD","JOEL MCANULTY","RANDY SWARTS","JEFF VANCE","TAMI LICHTENBERG","SUSAN KLAESSY","JERRY OBER","CAROL ANDERSON","JANET BORER"],"Title":["DIRECTOR","BOARD CFO","SECRETARY","DIRECTOR","DIRECTOR","CHAIRMAN","VICE-CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","VICE PRESIDENT","VICE PRESIDENT","CEO"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,55.0,55.0,55.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,109190,102861,184663],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,94447,87284,162032],"Other compensation":[0,0,0,0,0,0,0,0,0,0,14743,15577,22631]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative that provides deposit, loan, and other financial services to our member owners.","year":2016,"name":"MEMBERS1ST COMMUNITY CREDIT UNION","phone":6417521582,"website":"WWW.MEMBERS1ST.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JANET BORER","year_formation":1964,"state_legal_domicile":"IA","total_volunteers":9,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"910 S 12TH AVENUE, MARSHALLTOWN, IA, 50158, USA","city":"MARSHALLTOWN","state":"IA","country":"USA","zip_code":50158},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":0,"Total Gross UBI":14187,"Net unrelated business taxable income":-1552,"Number of employees":0,"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":5499103,"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":4684078,"Total revenue":{"value":4684078,"LOAN INTEREST":3184641,"OTHER OPERATING INCOME":955549,"FEE INCOME":543888},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":815025,"Investment income total":818951,"Net investment gain":-3926,"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":4507258,"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":241071,"Benefits paid to members Total":241071},"Salaries":{"value":2029778,"Current officers":396714,"Disqualified persons":0,"Other salaries and wages":1281116,"Pension plan contributions":0,"Other employee benefits":228146,"Payroll taxes":123802},"Other expenses":{"value":2236409,"Management services":0,"Legal":8700,"Accounting":21683,"Lobbying services":0,"Investment management fees":0,"Other services":357711,"Advertising":0,"Office expenses":695735,"Information technology":0,"Royalties":0,"Occupancy":246075,"Travel":45537,"Conferences and meetings":0,"Interest":1245,"Payments to affiliates":0,"Depreciation and depletion":135198,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":688525,"LOAN SERVICING EXPENSE":359881,"EDUCATION AND PROMOTION":197766,"PROVISION FOR LOAN AND":94069,"MISCELLANEOUS OPERATING":36809},"All other expenses":36000},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":156447289,"Non-interest bearing cash":9284600,"Savings and temp cash investments":33543694,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":85949947,"Inventories for sale or use":0,"Prepaid expenses deferred charges":89991,"Land, building, equipment":1934466,"Investments publicly traded":0,"Investments other":16925100,"Investments program related":3433217,"Intangible assets":0,"Other assets":5286274},"Liabilities":{"value":140693800,"Sum of Total Liabilities":0,"Accounts payable, accrued":1107135,"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":139586665},"Fund balance":{"value":15753489,"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":0.18036487041613877,"percentile":0.7355563712237951},"Liabilities to Assets Ratio":{"score":0.899304813137414,"percentile":0.06477648701397663},"Operating Reserve Ratio":{"score":34.7100807186986,"percentile":0.972262567501014},"Officer Compensation Ratio":{"score":0.08801670550032858,"percentile":0.5940200640082988},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10143724971561575,"percentile":0.7671257843622257},"Asset Growth":{"score":0.02516633119587523,"percentile":0.425665164023935},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6307560311695289,"percentile":0.6921359823837494}},"source_xml":"201702649349300810_public.xml"},{"Organization":{"value":null,"Person":["TAMI LICHTENBERG","CRAIG MARKLEY","JOHN NARIGON","KELLY MOLITOR","JACK EVANS","JON NUNEZ","CRAIG MARKLEY","JOHN MCANULTY","RONDA KELLEY","DAVID HICKS","JOHN DOSTART","DEBRA BORTON","NICHOLAS TONELLI","THOMAS BLANFORD","JERRY OBER","ERIC KRIEGER","JANET BORER","STEPHEN HINDMAN"],"Title":["CHAIRMAN","VICE-CHAIRMAN","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CEO","CFO","VICE PRESIDENT","VICE PRESIDENT OF LENDING","FORMER CEO","FORMER CFO"],"Hours":[2.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,55.0,55.0,40.0,45.0,55.0,45.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,189267,79220,204489,66623,184393,93333],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,171080,73076,141029,63986,165554,78647],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,18187,6144,63460,2637,18839,14686]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative that provides deposit, loan, and other financial services to our member owners.","year":2023,"name":"MEMBERS1ST COMMUNITY CREDIT UNION","phone":6417521582,"website":"WWW.MEMBERS1ST.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"NICK TONELLI","year_formation":1964,"state_legal_domicile":"IA","total_volunteers":0,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"PO BOX 807, AMES, IA, 50010, USA","city":"AMES","state":"IA","country":"USA","zip_code":50010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":12,"Number of independent voting members":12,"Number of employees total":88,"Total Gross UBI":48914,"Net unrelated business taxable income":15427,"Number of employees":88,"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":11956678,"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":8378246,"Total revenue":7224698,"Total other revenue":1153548,"Unrelated business revenue":0},"Investment income":{"value":2021057,"Investment income total":2074003,"Net investment gain":-52946,"Income from invest bond proceeds":0},"Other revenues":{"value":1557375,"Other total":1557375,"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":10591203,"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":4322682,"Current officers":817325,"Disqualified persons":0,"Other salaries and wages":2813696,"Pension plan contributions":0,"Other employee benefits":407153,"Payroll taxes":284508},"Other expenses":{"value":6268521,"Management services":182538,"Legal":60218,"Accounting":59279,"Lobbying services":0,"Investment management fees":19508,"Other services":136585,"Advertising":230411,"Office expenses":334800,"Information technology":372893,"Royalties":0,"Occupancy":407487,"Travel":56207,"Conferences and meetings":96435,"Interest":1554774,"Payments to affiliates":8930,"Depreciation and depletion":131138,"Insurance":77709,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1887114,"PROVISION FOR LOAN LOSS":865122,"ATM/DEBIT CARD EXPENSE":843624,"MORTGAGE PROCESSING EXP":178368},"All other expenses":652495},"Functional Expenses":{"value":null,"Program Service Expenses":10591203,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":260872184,"Non-interest bearing cash":24583617,"Savings and temp cash investments":13288000,"Pledges and grants receivable":0,"Accounts receivable":1251611,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":167914645,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":8588378,"Investments publicly traded":66162,"Investments other":34641423,"Investments program related":3392300,"Intangible assets":0,"Other assets":7146048},"Liabilities":{"value":237171780,"Sum of Total Liabilities":0,"Accounts payable, accrued":8167041,"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":229004739},"Fund balance":{"value":23700404,"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":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.11420187112172796,"percentile":0.6467288771081214},"Liabilities to Assets Ratio":{"score":0.9091493633525911,"percentile":0.06314145580458612},"Operating Reserve Ratio":{"score":24.631024823148042,"percentile":0.9580484772523022},"Officer Compensation Ratio":{"score":0.07717017604138075,"percentile":0.6355883405851002},"Program Expense Growth":{"score":0.26098080051869593,"percentile":0.8455596867526249},"Revenue Growth":{"score":0.09720144403183269,"percentile":0.7574733660502636},"Asset Growth":{"score":0.06538105609125952,"percentile":0.582436995121995},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.8039807328739486,"percentile":0.9612159708566324}},"source_xml":"202443099349300534_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["KELLY MOLITOR","JOHN DOSTART","JACK EVANS","CRAIG MARKLEY","JON NUNEZ","DIRK DAHMS","RONDA KELLEY","TAMI LICHTENBERG","SCOTT SMITH","DAVID BEENKEN- DRAPER","NICHOLAS TONELLI","THOMAS BLANFORD","ERIC KRIEGER","AMY LANG"],"Title":["CHAIRMAN","VICE-CHAIRMAN","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","ASSOCIATE DIRECTOR","CEO","CFO","VICE PRESIDENT OF LENDING","DIRECTOR OF BUSINESS SERVICES"],"Hours":[2.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,55.0,55.0,45.0,50.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,286004,156674,138120,112465],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,252328,137374,125042,101909],"Other compensation":[0,0,0,0,0,0,0,0,0,0,33676,19300,13078,10556]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative that provides deposit, loan, and other financial services to our member owners.","year":2024,"name":"MEMBERS1ST COMMUNITY CREDIT UNION","phone":6417521582,"website":"WWW.MEMBERS1ST.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"NICK TONELLI","year_formation":1964,"state_legal_domicile":"IA","total_volunteers":0,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO BOX 807, AMES, IA, 50010, USA","city":"AMES","state":"IA","country":"USA","zip_code":50010},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":87,"Total Gross UBI":55642,"Net unrelated business taxable income":23876,"Number of employees":87,"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":15919606,"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":10796262,"Total revenue":9560352,"Total other revenue":1235910,"Unrelated business revenue":0},"Investment income":{"value":3037218,"Investment income total":2803231,"Net investment gain":233987,"Income from invest bond proceeds":0},"Other revenues":{"value":2086126,"Other total":2086126,"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":14148299,"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":4801496,"Current officers":693263,"Disqualified persons":0,"Other salaries and wages":3404764,"Pension plan contributions":0,"Other employee benefits":376445,"Payroll taxes":327024},"Other expenses":{"value":9346803,"Management services":165564,"Legal":24186,"Accounting":71088,"Lobbying services":0,"Investment management fees":6393,"Other services":168489,"Advertising":372215,"Office expenses":355029,"Information technology":419437,"Royalties":0,"Occupancy":412707,"Travel":121447,"Conferences and meetings":137228,"Interest":3622345,"Payments to affiliates":19739,"Depreciation and depletion":474810,"Insurance":90424,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1980571,"ATM/DEBIT CARD EXPENSE":987481,"PROVISION FOR LOAN LOSS":901639,"MORTGAGE PROCESSING EXP":91451},"All other expenses":905131},"Functional Expenses":{"value":null,"Program Service Expenses":14148299,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":271103287,"Non-interest bearing cash":34158637,"Savings and temp cash investments":8323000,"Pledges and grants receivable":0,"Accounts receivable":11040,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":173623149,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":11883096,"Investments publicly traded":38455,"Investments other":31592631,"Investments program related":3406600,"Intangible assets":0,"Other assets":8066679},"Liabilities":{"value":245343218,"Sum of Total Liabilities":0,"Accounts payable, accrued":1885116,"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":243458102},"Fund balance":{"value":25760069,"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":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.11126575620024767,"percentile":0.6420038889847899},"Liabilities to Assets Ratio":{"score":0.9049806098440998,"percentile":0.06383914013172018},"Operating Reserve Ratio":{"score":19.161546345606634,"percentile":0.9432186148704019},"Officer Compensation Ratio":{"score":0.048999741947777606,"percentile":0.7617656639872002},"Program Expense Growth":{"score":0.2390092758991528,"percentile":0.8324731512655088},"Revenue Growth":{"score":0.11251499667694675,"percentile":0.790172658377967},"Asset Growth":{"score":0.06536511303213464,"percentile":0.5823884926294435},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.810867814831442,"percentile":0.9650262789870296}},"source_xml":"202521889349300327_public.xml"},"sector":"Public, Societal Benefit","donation_categories":[],"zakat_policy":null},"error":null}