{"success":true,"data":{"_id":436035234,"filings":[{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.","primary_activities":"Provides financial and financially related services to 1,370 members.\n\nProvides a source of credit to members at a fair and reasonable rate of interest. As of december 31, 2010, there were 284 loans outstanding totaling $2,495,092.\n\nPaid dividends on member deposits totaling $35,582 for the year.","year":2010,"name":"ST LOUIS CARPENTERS' CREDIT UNION","phone":"3146476596","website":"WWW.CARPDC.ORG","type":"990","principal_officer":"JACK MARSH","year_formation":1970,"state_legal_domicile":"MO","total_volunteers":12,"tax_period_begin":"2010-01-01T00:00:00","tax_period_end":"2010-12-31T00:00:00","address":"1401 HAMPTON AVENUE No 152, ST LOUIS, MO, 63139, USA","city":"ST LOUIS","state":"MO","country":"USA","zip_code":"63139"},"Governance":{"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":5,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Family or business relationship":false,"Delegation of management duties":false,"Conflict of interest policy":false,"Whistle blower policy":false,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":false,"Material diversion or misuse":false,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":false,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":false,"Independent audit financial statements":false,"Consolidated audit financial statements":false,"Accountant compile or review":true,"Financial statements audited by independent accountant":false,"Audit committee":true,"Federal grant audit required":false,"Political activities":false,"Donor advised funds":false,"Conservation easements":false,"Collections of art":false,"School":false,"Hospital":false,"Foreign activities":false,"Foreign office":false,"Gaming":false,"Fundraising activities":false,"Professional fundraising":false,"Loan to officer or DQP":false,"Grant to related person":false,"Business relationship through family member":false,"Business relationship with organization":false},"Revenues":{"value":266695,"Contributions":{"value":0},"Program revenue":{"value":220770,"Total revenue":{"value":220770,"VARIOUS":220770},"Unrelated business revenue":0},"Investment income":{"value":44338,"Investment income total":44338},"Other revenues":{"value":1587,"Royalties revenue":1587}},"Expenses":{"value":309758,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":2841,"Benefits paid to members Total":2841},"Salaries":{"value":134711,"Current officers":41128,"Other salaries and wages":72355,"Other employee benefits":12401,"Payroll taxes":8827},"Other expenses":{"value":172206,"Accounting":6573,"Other services":56204,"Office expenses":22270,"Occupancy":12636,"Conferences and meetings":502,"Interest":198,"Depreciation and depletion":3230,"Insurance":9986,"Itemized Expenses":{"value":51588,"VARIOUS":51588},"All other expenses":9019}},"Assets":{"value":5240965,"Non-interest bearing cash":97261,"Savings and temp cash investments":2566581,"Other net note and loans":2484549,"Prepaid expenses deferred charges":9585,"Land, building, equipment":4478,"Other assets":78511},"Liabilities":{"value":4894781,"Accounts payable, accrued":118690,"Escrow account liability":22131,"Other liabilities":4753960},"Fund balance":{"value":346184},"Form990Details":{"program_service_accomplishments":[{"description":"PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 1,370 MEMBERS."},{"description":"PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2010, THERE WERE 284 LOANS OUTSTANDING TOTALING $2,495,092."},{"description":"PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $35,582 FOR THE YEAR."}],"program_service_revenue_detail":[{"business_code":"522100","description":"INTEREST ON LOANS","total_revenue":169705,"related_or_exempt_function_income":169705},{"business_code":"522100","description":"FEES & OTHER INCOME","total_revenue":51065,"related_or_exempt_function_income":51065}],"functional_expense_allocations":{"current_officers_directors":{"total":41128},"other_salaries_and_wages":{"total":72355},"other_employee_benefits":{"total":12401},"payroll_taxes":{"total":8827},"accounting_fees":{"total":6573},"other_service_fees":{"total":56204},"office_expenses":{"total":22270},"occupancy":{"total":12636},"conferences_meetings":{"total":502},"interest":{"total":198},"depreciation_depletion":{"total":3230},"insurance":{"total":9986},"all_other_expenses":{"total":9019}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"backup_withholding_compliance":true,"employment_tax_returns_filed":true,"deductible_non_cash_contributions":false,"deductible_contributions_of_art":false,"method_of_accounting_accrual":true,"schedule_o_part_vi":true},"principal_officer_detail":{"person_name":"JACK MARSH","address_line1":"1401 HAMPTON AVENUE STE 152","city":"ST LOUIS","state":"MO","zip":"63139"},"audit_financial_statement_detail":{"accountant_compile_or_review":true,"audited_financial_statement_separate":true,"federal_grant_audit_required":false},"related_party_due_diligence":{"officer_entity_with_business_relationship":false,"officer_mailing_address":false,"related_entity":false,"related_org_controlled_entity":false,"compensation_from_other_sources":false},"grant_due_diligence":{"grants_to_organizations":false,"grants_to_individuals":false,"more_than_5000_to_organizations":false,"more_than_5000_to_individuals":false},"books_are_in_care_of":{"phone":"3146476596","business_name_line1":"JACK MARSH","address_line1":"1401 HAMPTON AVENUE STE 152","city":"ST LOUIS","state":"MO","zip":"63139"},"officers_directors_key_employees":[{"title":"CHAIRMAN","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"VICE CHAIRMAN","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"SECRETARY","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"TREASURER","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"DIRECTOR","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"DIRECTOR","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"DIRECTOR","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"PRESIDENT","average_hours_per_week":40.0,"reportable_comp_from_org":36400,"reportable_comp_from_related_orgs":0,"other_compensation":4728,"officer":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"escrow_accounts":{"agent_trustee_etc":false,"included_on_financial_statements":true},"land_buildings_equipment":{"equipment":{"other_cost_or_other_basis":20384,"book_value":4478,"depreciation":15906},"total_book_value":4478},"other_liabilities":{"liabilities":[{"description":"MEMBER SHARE DEPOSITS","amount":4753960}],"total_liability":4753960},"supplemental_information":[{"form_and_line_reference":"Part IV, Line 2b:","explanation":"THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO SEVERAL MEMBER HOME/REAL ESTATE LOANS."}]},"source_xml":"201140889349300219_public.xml"},{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.","primary_activities":"Provides financial and financially related services to 1,271 members.\n\nProvides a source of credit to members at a fair and reasonable rate of interest. As of december 31, 2011, there were 294 loans outstanding totaling $2,657,341.\n\nPaid dividends on member deposits totaling $18,795 for the year.","year":2011,"name":"ST LOUIS CARPENTERS' CREDIT UNION","phone":"3147717700","website":"WWW.CARPDC.ORG","type":"990","principal_officer":"PAUL A DICUS VPCONTROL","year_formation":1970,"state_legal_domicile":"MO","total_volunteers":10,"tax_period_begin":"2011-01-01T00:00:00","tax_period_end":"2011-12-31T00:00:00","address":"1001 LYNCH STREET, ST LOUIS, MO, 63118, USA","city":"ST LOUIS","state":"MO","country":"USA","zip_code":"63118"},"Governance":{"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":3,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Family or business relationship":false,"Delegation of management duties":false,"Conflict of interest policy":false,"Whistle blower policy":false,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":false,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":false,"Form 990 provided to governing body":false,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":false,"Consolidated audit financial statements":false,"Accountant compile or review":false,"Financial statements audited by independent accountant":false,"Federal grant audit required":false,"Political activities":false,"Donor advised funds":false,"Conservation easements":false,"Collections of art":false,"School":false,"Hospital":false,"Foreign activities":false,"Foreign office":false,"Gaming":false,"Fundraising activities":false,"Professional fundraising":false,"Loan to officer or DQP":false,"Grant to related person":false,"Business relationship through family member":false,"Business relationship with organization":false},"Revenues":{"value":232884,"Contributions":{"value":0},"Program revenue":{"value":205403,"Total revenue":{"value":205403,"VARIOUS":205403},"Unrelated business revenue":0},"Investment income":{"value":25795,"Investment income total":25795},"Other revenues":{"value":1686,"Royalties revenue":1686}},"Expenses":{"value":334239,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":2304,"Benefits paid to members Total":2304},"Salaries":{"value":139937,"Current officers":54007,"Other salaries and wages":66683,"Other employee benefits":9936,"Payroll taxes":9311},"Other expenses":{"value":191998,"Accounting":3612,"Other services":72198,"Office expenses":23764,"Occupancy":12636,"Conferences and meetings":135,"Interest":19,"Depreciation and depletion":4478,"Insurance":14433,"Itemized Expenses":{"value":51262,"VARIOUS":51262},"All other expenses":9461}},"Assets":{"value":4750386,"Non-interest bearing cash":110343,"Savings and temp cash investments":1807361,"Other net note and loans":2633994,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Other assets":198688},"Liabilities":{"value":4505650,"Accounts payable, accrued":59984,"Escrow account liability":26986,"Other liabilities":4418680},"Fund balance":{"value":244736},"Form990Details":{"program_service_accomplishments":[{"description":"PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 1,271 MEMBERS."},{"description":"PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2011, THERE WERE 294 LOANS OUTSTANDING TOTALING $2,657,341."},{"description":"PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $18,795 FOR THE YEAR."}],"program_service_revenue_detail":[{"business_code":"522100","description":"INTEREST ON LOANS","total_revenue":157404,"related_or_exempt_function_income":157404},{"business_code":"522100","description":"FEES & OTHER INCOME","total_revenue":47999,"related_or_exempt_function_income":47999}],"functional_expense_allocations":{"current_officers_directors":{"total":54007},"other_salaries_and_wages":{"total":66683},"other_employee_benefits":{"total":9936},"payroll_taxes":{"total":9311},"accounting_fees":{"total":3612},"other_service_fees":{"total":72198},"office_expenses":{"total":23764},"occupancy":{"total":12636},"conferences_meetings":{"total":135},"interest":{"total":19},"depreciation_depletion":{"total":4478},"insurance":{"total":14433},"all_other_expenses":{"total":9461}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"backup_withholding_compliance":true,"employment_tax_returns_filed":true,"deductible_non_cash_contributions":false,"deductible_contributions_of_art":false,"method_of_accounting_accrual":true,"schedule_o_part_vi":true,"schedule_o_part_xi":true},"principal_officer_detail":{"person_name":"PAUL A DICUS VPCONTROL","address_line1":"1001 LYNCH STREET","city":"ST LOUIS","state":"MO","zip":"63118"},"audit_financial_statement_detail":{"accountant_compile_or_review":false,"federal_grant_audit_required":false},"related_party_due_diligence":{"officer_entity_with_business_relationship":false,"officer_mailing_address":false,"related_entity":false,"related_org_controlled_entity":false,"compensation_from_other_sources":false},"grant_due_diligence":{"grants_to_organizations":false,"grants_to_individuals":false,"more_than_5000_to_organizations":false,"more_than_5000_to_individuals":false},"books_are_in_care_of":{"phone":"3146579410","business_name_line1":"SUSAN SCHMITZ","address_line1":"1001 LYNCH STREET","city":"ST LOUIS","state":"MO","zip":"63118"},"officers_directors_key_employees":[{"title":"PRESIDENT","average_hours_per_week":40.0,"reportable_comp_from_org":44100,"reportable_comp_from_related_orgs":0,"other_compensation":9907,"individual_trustee_or_director":true,"officer":true},{"title":"CHAIRMAN","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"VICE CHAIRMAN","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"SECRETARY","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"TREASURER","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"DIRECTOR","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"DIRECTOR","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"escrow_accounts":{"agent_trustee_etc":false,"included_on_financial_statements":true},"land_buildings_equipment":{"equipment":{"other_cost_or_other_basis":20384,"book_value":0,"depreciation":20384},"total_book_value":0},"other_liabilities":{"liabilities":[{"description":"MEMBER SHARE DEPOSITS","amount":4418680}],"total_liability":4418680},"supplemental_information":[{"form_and_line_reference":"Part IV, Line 2b:","explanation":"THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO SEVERAL MEMBER REAL ESTATE LOANS."}]},"source_xml":"201230669349300338_public.xml"}],"Latest":{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.","primary_activities":"Provides financial and financially related services to 1,271 members.\n\nProvides a source of credit to members at a fair and reasonable rate of interest. As of december 31, 2011, there were 294 loans outstanding totaling $2,657,341.\n\nPaid dividends on member deposits totaling $18,795 for the year.","year":2011,"name":"ST LOUIS CARPENTERS' CREDIT UNION","phone":"3147717700","website":"WWW.CARPDC.ORG","type":"990","principal_officer":"PAUL A DICUS VPCONTROL","year_formation":1970,"state_legal_domicile":"MO","total_volunteers":10,"tax_period_begin":"2011-01-01T00:00:00","tax_period_end":"2011-12-31T00:00:00","address":"1001 LYNCH STREET, ST LOUIS, MO, 63118, USA","city":"ST LOUIS","state":"MO","country":"USA","zip_code":"63118"},"Governance":{"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":3,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Family or business relationship":false,"Delegation of management duties":false,"Conflict of interest policy":false,"Whistle blower policy":false,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":false,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":false,"Form 990 provided to governing body":false,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":false,"Consolidated audit financial statements":false,"Accountant compile or review":false,"Financial statements audited by independent accountant":false,"Federal grant audit required":false,"Political activities":false,"Donor advised funds":false,"Conservation easements":false,"Collections of art":false,"School":false,"Hospital":false,"Foreign activities":false,"Foreign office":false,"Gaming":false,"Fundraising activities":false,"Professional fundraising":false,"Loan to officer or DQP":false,"Grant to related person":false,"Business relationship through family member":false,"Business relationship with organization":false},"Revenues":{"value":232884,"Contributions":{"value":0},"Program revenue":{"value":205403,"Total revenue":{"value":205403,"VARIOUS":205403},"Unrelated business revenue":0},"Investment income":{"value":25795,"Investment income total":25795},"Other revenues":{"value":1686,"Royalties revenue":1686}},"Expenses":{"value":334239,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":2304,"Benefits paid to members Total":2304},"Salaries":{"value":139937,"Current officers":54007,"Other salaries and wages":66683,"Other employee benefits":9936,"Payroll taxes":9311},"Other expenses":{"value":191998,"Accounting":3612,"Other services":72198,"Office expenses":23764,"Occupancy":12636,"Conferences and meetings":135,"Interest":19,"Depreciation and depletion":4478,"Insurance":14433,"Itemized Expenses":{"value":51262,"VARIOUS":51262},"All other expenses":9461}},"Assets":{"value":4750386,"Non-interest bearing cash":110343,"Savings and temp cash investments":1807361,"Other net note and loans":2633994,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Other assets":198688},"Liabilities":{"value":4505650,"Accounts payable, accrued":59984,"Escrow account liability":26986,"Other liabilities":4418680},"Fund balance":{"value":244736},"Form990Details":{"program_service_accomplishments":[{"description":"PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 1,271 MEMBERS."},{"description":"PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2011, THERE WERE 294 LOANS OUTSTANDING TOTALING $2,657,341."},{"description":"PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $18,795 FOR THE YEAR."}],"program_service_revenue_detail":[{"business_code":"522100","description":"INTEREST ON LOANS","total_revenue":157404,"related_or_exempt_function_income":157404},{"business_code":"522100","description":"FEES & OTHER INCOME","total_revenue":47999,"related_or_exempt_function_income":47999}],"functional_expense_allocations":{"current_officers_directors":{"total":54007},"other_salaries_and_wages":{"total":66683},"other_employee_benefits":{"total":9936},"payroll_taxes":{"total":9311},"accounting_fees":{"total":3612},"other_service_fees":{"total":72198},"office_expenses":{"total":23764},"occupancy":{"total":12636},"conferences_meetings":{"total":135},"interest":{"total":19},"depreciation_depletion":{"total":4478},"insurance":{"total":14433},"all_other_expenses":{"total":9461}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"backup_withholding_compliance":true,"employment_tax_returns_filed":true,"deductible_non_cash_contributions":false,"deductible_contributions_of_art":false,"method_of_accounting_accrual":true,"schedule_o_part_vi":true,"schedule_o_part_xi":true},"principal_officer_detail":{"person_name":"PAUL A DICUS VPCONTROL","address_line1":"1001 LYNCH STREET","city":"ST LOUIS","state":"MO","zip":"63118"},"audit_financial_statement_detail":{"accountant_compile_or_review":false,"federal_grant_audit_required":false},"related_party_due_diligence":{"officer_entity_with_business_relationship":false,"officer_mailing_address":false,"related_entity":false,"related_org_controlled_entity":false,"compensation_from_other_sources":false},"grant_due_diligence":{"grants_to_organizations":false,"grants_to_individuals":false,"more_than_5000_to_organizations":false,"more_than_5000_to_individuals":false},"books_are_in_care_of":{"phone":"3146579410","business_name_line1":"SUSAN SCHMITZ","address_line1":"1001 LYNCH STREET","city":"ST LOUIS","state":"MO","zip":"63118"},"officers_directors_key_employees":[{"title":"PRESIDENT","average_hours_per_week":40.0,"reportable_comp_from_org":44100,"reportable_comp_from_related_orgs":0,"other_compensation":9907,"individual_trustee_or_director":true,"officer":true},{"title":"CHAIRMAN","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"VICE CHAIRMAN","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"SECRETARY","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"TREASURER","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"DIRECTOR","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"DIRECTOR","average_hours_per_week":0.5,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"escrow_accounts":{"agent_trustee_etc":false,"included_on_financial_statements":true},"land_buildings_equipment":{"equipment":{"other_cost_or_other_basis":20384,"book_value":0,"depreciation":20384},"total_book_value":0},"other_liabilities":{"liabilities":[{"description":"MEMBER SHARE DEPOSITS","amount":4418680}],"total_liability":4418680},"supplemental_information":[{"form_and_line_reference":"Part IV, Line 2b:","explanation":"THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO SEVERAL MEMBER REAL ESTATE LOANS."}]},"Ratings":{"Mission Deployment Rate":{"score":null},"Program Expense Ratio":{"score":null},"Fundraising Efficiency":{"score":null,"percentile":null},"Filing Consistency Score":{"score":1.0},"Grant Itemization Coverage":{"score":null},"Independent Voting Board Pct":{"score":1.0},"Operating Margin":{"score":-0.43521667439583656,"percentile":0.12421480378189353},"Operating Reserve Ratio":{"score":14.212542521967814,"percentile":0.9231230275178561},"Liabilities to Assets Ratio":{"score":0.9484808181903533,"percentile":0.06946769917678247},"Officer Compensation Ratio":{"score":0.16158198175557012,"percentile":0.3592152554051286},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Foreign Oversight Score":{"score":null},"Major-Donor Itemization":{"score":null},"Related-Party Transparency":{"score":null},"Pay-Setting Controls":{"score":null,"weight":5,"atoms":{"Compensation committee":{"value":null},"Independent compensation consultant":{"value":null},"Form 990 of other organizations reviewed":{"value":null},"Written employment contract":{"value":null},"Compensation survey or study":{"value":null},"Board or committee approval":{"value":null}}},"Governance Policy Score":{"score":0.4444444444444444,"weight":5,"atoms":{"Conflict of interest policy":{"value":false},"Whistle blower policy":{"value":false},"Document retention policy":{"value":true},"Compensation process for CEO":{"value":true},"Compensation process for other employees":{"value":true},"Form 990 provided to governing body":{"value":false},"Minutes of governing body":{"value":true},"Audit committee":{"value":false},"Independent audit financial statements":{"value":false}}},"Categories":{"Financial Efficiency":{"score":null,"weight":45},"Transparency & Controls":{"score":1.0,"weight":20},"Accountability":{"score":0.7685185185185185,"weight":14},"Sustainability":{"score":0.38039408688283827,"weight":13},"Growth":{"score":null,"weight":8}},"Overall Score":{"score":0.7596677103986417,"percentile":0.5352473186542749}},"source_xml":"201230669349300338_public.xml"},"sector":"Public, Societal Benefit","donation_categories":[],"zakat_policy":null},"error":null}