{"success":true,"data":{"_id":430492210,"filings":[{"Organization":{"value":null,"Person":["JIM BOXDORFER","RAY BRODZINSKI","BOB BLANKMANN","JIM KNORR","DAVE MOSER","DEBORAH HALTER","PATTY SADAUSKAS"],"Title":["CHAIRMAN","VICE CHAIRMAN","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","PRESIDENT/MANAGER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,62360],"Direct compensation":[0,0,0,0,0,0,60930],"Other compensation":[0,0,0,0,0,0,1430]},"Basic":{"value":null,"mission":"The mission of 1st city credit union is to improve the economic welfare of its members by offering fair and competitive returns on their investments, as a member owned and controlled, not for profit organization, and by offering loans at reasonable rates and terms giving priority to the needs of its members.","year":2013,"name":"1ST CITY CREDIT UNION","phone":3143536676,"website":"WWW.1STCCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PATTY SADAUSKAS","year_formation":1928,"state_legal_domicile":"MO","total_volunteers":7,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"5011 HAMPTON AVE, ST LOUIS, MO, 63109, USA","city":"ST LOUIS","state":"MO","country":"USA","zip_code":63109},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":4,"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":365382,"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":256394,"Total revenue":{"value":256394,"INTEREST ON LOANS":223836,"FEES & OTHER INCOME":32558},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":106947,"Investment income total":106947,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2041,"Other total":0,"Royalties revenue":2041,"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":457996,"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":174525,"Current officers":62360,"Disqualified persons":0,"Other salaries and wages":97639,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":14526},"Other expenses":{"value":283471,"Management services":0,"Legal":0,"Accounting":9175,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":13804,"Office expenses":59836,"Information technology":24904,"Royalties":0,"Occupancy":54456,"Travel":0,"Conferences and meetings":1800,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":5336,"Insurance":10006,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":93333,"PROVISION FOR LOAN LOSS":47843,"LOAN SERVICING":22956,"MEMBER DIVIDENDS":17058,"NCUSIF ASSESSMENTS":5476},"All other expenses":10821},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":8838257,"Non-interest bearing cash":150691,"Savings and temp cash investments":5422249,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":3096974,"Inventories for sale or use":0,"Prepaid expenses deferred charges":42117,"Land, building, equipment":15906,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":110320},"Liabilities":{"value":6897654,"Sum of Total Liabilities":0,"Accounts payable, accrued":36462,"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":6861192},"Fund balance":{"value":1940603,"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":-0.2534717090606543,"percentile":0.12832488124860011},"Liabilities to Assets Ratio":{"score":0.7804314810035509,"percentile":0.08163725986631336},"Operating Reserve Ratio":{"score":19.297672905440223,"percentile":0.9436761495305722},"Officer Compensation Ratio":{"score":0.1361583943964576,"percentile":0.4457861040552427},"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":0.4818937316949418,"percentile":0.27888903709975815}},"source_xml":"201412119349300226_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["JIM BOXDORFER","RAY BRODZINSKI","BOB BLANKMANN","JIM KNORR","DAVE MOSER","DEBORAH HALTER","PATTY SADAUSKAS"],"Title":["CHAIRMAN","VICE CHAIRMAN","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","PRESIDENT/MANAGER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,62360],"Direct compensation":[0,0,0,0,0,0,60930],"Other compensation":[0,0,0,0,0,0,1430]},"Basic":{"value":null,"mission":"The mission of 1st city credit union is to improve the economic welfare of its members by offering fair and competitive returns on their investments, as a member owned and controlled, not for profit organization, and by offering loans at reasonable rates and terms giving priority to the needs of its members.","year":2013,"name":"1ST CITY CREDIT UNION","phone":3143536676,"website":"WWW.1STCCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PATTY SADAUSKAS","year_formation":1928,"state_legal_domicile":"MO","total_volunteers":7,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"5011 HAMPTON AVE, ST LOUIS, MO, 63109, USA","city":"ST LOUIS","state":"MO","country":"USA","zip_code":63109},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":4,"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":365382,"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":256394,"Total revenue":{"value":256394,"INTEREST ON LOANS":223836,"FEES & OTHER INCOME":32558},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":106947,"Investment income total":106947,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2041,"Other total":0,"Royalties revenue":2041,"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":457996,"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":174525,"Current officers":62360,"Disqualified persons":0,"Other salaries and wages":97639,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":14526},"Other expenses":{"value":283471,"Management services":0,"Legal":0,"Accounting":9175,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":13804,"Office expenses":59836,"Information technology":24904,"Royalties":0,"Occupancy":54456,"Travel":0,"Conferences and meetings":1800,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":5336,"Insurance":10006,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":93333,"PROVISION FOR LOAN LOSS":47843,"LOAN SERVICING":22956,"MEMBER DIVIDENDS":17058,"NCUSIF ASSESSMENTS":5476},"All other expenses":10821},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":8838257,"Non-interest bearing cash":150691,"Savings and temp cash investments":5422249,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":3096974,"Inventories for sale or use":0,"Prepaid expenses deferred charges":42117,"Land, building, equipment":15906,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":110320},"Liabilities":{"value":6897654,"Sum of Total Liabilities":0,"Accounts payable, accrued":36462,"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":6861192},"Fund balance":{"value":1940603,"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":-0.2534717090606543,"percentile":0.12832488124860011},"Liabilities to Assets Ratio":{"score":0.7804314810035509,"percentile":0.08163725986631336},"Operating Reserve Ratio":{"score":19.297672905440223,"percentile":0.9436761495305722},"Officer Compensation Ratio":{"score":0.1361583943964576,"percentile":0.4457861040552427},"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":0.4818937316949418,"percentile":0.27888903709975815}},"source_xml":"201412119349300226_public.xml"},"sector":"Public, Societal Benefit","donation_categories":[],"zakat_policy":null},"error":null}