{"success":true,"data":{"_id":520237444,"filings":[{"Organization":{"value":null,"Person":["Joseph Amellio","Thomas Keefe","David Brignac","Kevin Johnston","Lawrence Schultz Jr","W David Hepner","Ronald Bailey","Christopher Garrity","Blanche Evans","Daniel McCormack"],"Title":["President/CEO","Vice Chair","Treasurer","Board Member","Board member","Secretary","Vice Chair","Chairman","Board member","Board Member"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,0.0,1.0,1.0],"Total Compensation":[90389,2670,1570,1020,950,685,550,440,270,240],"Direct compensation":[90389,2670,1570,1020,950,685,550,440,270,240],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"State chartered credit union offering financial services for u. s. postal employees and their families that live or work in maryland","year":2021,"name":"POST OFFICE CREDIT UNION OF MARYLAND","phone":4107275469,"website":"pocumd.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Joseph Amellio","year_formation":1929,"state_legal_domicile":"MD","total_volunteers":12,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"900 E Fayette Street Suite 606, Baltimore, MD, 21233, USA","city":"Baltimore","state":"MD","country":"USA","zip_code":21233},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":5,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":632384,"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":344711,"Total revenue":344711,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":114268,"Investment income total":114268,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":173405,"Other total":173405,"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":940142,"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":392780,"Current officers":11020,"Disqualified persons":0,"Other salaries and wages":306794,"Pension plan contributions":30559,"Other employee benefits":21975,"Payroll taxes":22432},"Other expenses":{"value":547362,"Management services":0,"Legal":41212,"Accounting":14382,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":50943,"Office expenses":181587,"Information technology":88881,"Royalties":0,"Occupancy":3399,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":15277,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":111782,"All other expenses":39899},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":33224793,"Non-interest bearing cash":184527,"Savings and temp cash investments":427546,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":5846061,"Inventories for sale or use":0,"Prepaid expenses deferred charges":37307,"Land, building, equipment":24667,"Investments publicly traded":26358108,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":346577},"Liabilities":{"value":82263,"Sum of Total Liabilities":0,"Accounts payable, accrued":82263,"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":0},"Fund balance":{"value":33142530,"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":-0.48666316668353404,"percentile":0.07621142528378155},"Liabilities to Assets Ratio":{"score":0.002475952220379522,"percentile":0.5512840996799583},"Operating Reserve Ratio":{"score":35.34018584426608,"percentile":0.9728233708057723},"Officer Compensation Ratio":{"score":0.10507348889848554,"percentile":0.5354377701708435},"Program Expense Growth":{"score":-0.378518963002823,"percentile":0.04897853557966103},"Revenue Growth":{"score":-0.015410002473056754,"percentile":0.3112470257018},"Asset Growth":{"score":0.0005354953923571357,"percentile":0.3222603731551881},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.43376078052553335,"percentile":0.17994761601261344}},"source_xml":"202211229349301616_public.xml"},{"Organization":{"value":null,"Person":["Christopher Garrity","Ronald Bailey","Thomas Keefe","David Brignac","W David Hepner","Lawrence Schultz Jr","Philip Yocum","Blanche Evans","Daniel McCormack","Joseph Amellio"],"Title":["Chairman","Vice Chair","Vice Chair","Treasurer","Secretary","Board member","Board member","Board member","Board Member","President/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,2.0,1.0,1.0,1.0,40.0],"Total Compensation":[5150,5100,4900,11300,8450,6025,4950,5100,5050,12254],"Direct compensation":[5150,5100,4900,11300,8450,6025,4950,5100,5050,12254],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"State chartered credit union offering financial services for u. s. postal employees and their families that live or work in maryland","year":2017,"name":"POST OFFICE CREDIT UNION OF MARYLAND","phone":4107275469,"website":"pocumd.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Josept Amellio","year_formation":1929,"state_legal_domicile":"MD","total_volunteers":12,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"900 E Fayette Street Suite 606, Baltimore, MD, 21233, USA","city":"Baltimore","state":"MD","country":"USA","zip_code":21233},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":5,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":788970,"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":248991,"Total revenue":248991,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":420125,"Investment income total":420125,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":119854,"Other total":119854,"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":752664,"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":348286,"Current officers":57725,"Disqualified persons":0,"Other salaries and wages":225619,"Pension plan contributions":24079,"Other employee benefits":23091,"Payroll taxes":17772},"Other expenses":{"value":404378,"Management services":0,"Legal":26664,"Accounting":11968,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":20820,"Office expenses":146852,"Information technology":66426,"Royalties":0,"Occupancy":2255,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":2879,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":103286,"All other expenses":23228},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":32074171,"Non-interest bearing cash":359024,"Savings and temp cash investments":1727898,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":5019647,"Inventories for sale or use":0,"Prepaid expenses deferred charges":32671,"Land, building, equipment":6582,"Investments publicly traded":24526955,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":401394},"Liabilities":{"value":9316,"Sum of Total Liabilities":0,"Accounts payable, accrued":9316,"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":0},"Fund balance":{"value":32064855,"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":0.046016958819726984,"percentile":0.5159540699524057},"Liabilities to Assets Ratio":{"score":0.0002904517781613124,"percentile":0.5811884558848833},"Operating Reserve Ratio":{"score":42.614195710170804,"percentile":0.9777168090837606},"Officer Compensation Ratio":{"score":0.09071644186516162,"percentile":0.5841814620128378},"Program Expense Growth":{"score":-0.2617298766760768,"percentile":0.07081227865271753},"Revenue Growth":{"score":-0.02021157264611146,"percentile":0.295756177959271},"Asset Growth":{"score":0.0007969294644848409,"percentile":0.32336948217561434},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5128030393649374,"percentile":0.35447024757903545}},"source_xml":"201811289349301981_public.xml"},{"Organization":{"value":null,"Person":["Christopher Garrity","Ronald Bailey","Thomas Keefe","David Brignac","W David Hepner","Lawrence Schultz Jr","Philip Yocum","Blanche Evans","Daniel McCormack"],"Title":["Chairman","Vice Chair","Vice Chair","Treasurer","Secretary","Board member","Board member","Board member","Board Member"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[4700,4650,4450,8000,8000,5900,4650,4650,4650],"Direct compensation":[4700,4650,4450,8000,8000,5900,4650,4650,4650],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union for u. s. postal employees and their families that live and/or work in maryland","year":2014,"name":"POST OFFICE CREDIT UNION OF MARYLAND","phone":4107275469,"website":"pocumd.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Carol Bradley CEO","year_formation":1929,"state_legal_domicile":"MD","total_volunteers":11,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"900 E Fayette Street Suite 606, Baltimore, MD, 21233, USA","city":"Baltimore","state":"MD","country":"USA","zip_code":21233},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":4,"Total Gross UBI":11223,"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":828406,"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":166392,"Total revenue":166392,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":514728,"Investment income total":514728,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":147286,"Other total":147286,"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":779954,"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":344574,"Current officers":54976,"Disqualified persons":0,"Other salaries and wages":219942,"Pension plan contributions":0,"Other employee benefits":50867,"Payroll taxes":18789},"Other expenses":{"value":435380,"Management services":0,"Legal":30831,"Accounting":25493,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":24584,"Office expenses":148003,"Information technology":69932,"Royalties":0,"Occupancy":2028,"Travel":3349,"Conferences and meetings":11952,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":6746,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":104495,"Dividend Expense":87349,"Association Dues":8573,"Consultant Fees":5029,"Loan Servicing Expense":3544},"All other expenses":7967},"Functional Expenses":{"value":null,"Program Service Expenses":779954,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":32121660,"Non-interest bearing cash":286376,"Savings and temp cash investments":658553,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":4043878,"Inventories for sale or use":0,"Prepaid expenses deferred charges":41708,"Land, building, equipment":10224,"Investments publicly traded":26641955,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":438966},"Liabilities":{"value":22038,"Sum of Total Liabilities":0,"Accounts payable, accrued":22038,"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":0},"Fund balance":{"value":32099622,"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":0.05848822920162336,"percentile":0.5435109979682796},"Liabilities to Assets Ratio":{"score":0.0006860791129723681,"percentile":0.5739426579683498},"Operating Reserve Ratio":{"score":41.184044187221296,"percentile":0.9769094544161896},"Officer Compensation Ratio":{"score":0.06365760032001887,"percentile":0.6926619999443236},"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":0.840538928260504,"percentile":0.9781206759562218}},"source_xml":"201531129349300123_public.xml"},{"Organization":{"value":null,"Person":["Joseph Amellio","Thomas Keefe","Michael Thomas","David Brignac","Ronald Bailey","Lawrence Schultz Jr","Roger Evans","Blanche Evans"],"Title":["President/CEO","Secretary/Treasurer","Board Member","Vice Chairperson","Chairperson","Board member","Board Member","Board member"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[100012,4020,1560,750,700,440,410,380],"Direct compensation":[100012,4020,1560,750,700,440,410,380],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"State chartered credit union offering financial services for u. s. postal employees and their families that live or work in maryland","year":2024,"name":"POST OFFICE CREDIT UNION OF MARYLAND INC","phone":4107275469,"website":"www.pocumd.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Joseph Amellio","year_formation":1929,"state_legal_domicile":"MD","total_volunteers":10,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"900 E Fayette Street Suite 606, Baltimore, MD, 21233, USA","city":"Baltimore","state":"MD","country":"USA","zip_code":21233},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1124526,"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":624071,"Total revenue":624071,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":308995,"Investment income total":308995,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":191460,"Other total":191460,"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":1301869,"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":550660,"Current officers":11260,"Disqualified persons":0,"Other salaries and wages":441226,"Pension plan contributions":41757,"Other employee benefits":22756,"Payroll taxes":33661},"Other expenses":{"value":751209,"Management services":0,"Legal":1380,"Accounting":16377,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":54320,"Office expenses":315561,"Information technology":135847,"Royalties":0,"Occupancy":5869,"Travel":0,"Conferences and meetings":11100,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":3242,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":175835,"All other expenses":31678},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":28141403,"Non-interest bearing cash":253096,"Savings and temp cash investments":4618313,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":13709779,"Inventories for sale or use":0,"Prepaid expenses deferred charges":95216,"Land, building, equipment":15307,"Investments publicly traded":9061308,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":388384},"Liabilities":{"value":74511,"Sum of Total Liabilities":0,"Accounts payable, accrued":74511,"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":0},"Fund balance":{"value":28066892,"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":-0.15770466845586495,"percentile":0.17582258794594063},"Liabilities to Assets Ratio":{"score":0.0026477357934144223,"percentile":0.5495179710045179},"Operating Reserve Ratio":{"score":21.616155696156834,"percentile":0.9507438879007748},"Officer Compensation Ratio":{"score":0.08316658588536942,"percentile":0.6120279534486877},"Program Expense Growth":{"score":-0.3180393699526447,"percentile":0.05883928120027318},"Revenue Growth":{"score":-0.0013645582006669454,"percentile":0.3634910862743155},"Asset Growth":{"score":-0.007166245954965531,"percentile":0.29074664961322766},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4572816874310429,"percentile":0.22583450107721748}},"source_xml":"202531289349302833_public.xml"},{"Organization":{"value":null,"Person":["Christopher Garrity","Ronald Bailey","Thomas Keefe","David Brignac","W David Hepner","Lawrence Schultz Jr","Philip Yocum","Blanche Evans","Daniel McCormack","Joseph Amellio"],"Title":["Chairman","Vice Chair","Vice Chair","Treasurer","Secretary","Board member","Board member","Board member","Board Member","President/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[4950,4950,4790,8025,8025,5975,1350,4950,4790,87820],"Direct compensation":[4950,4950,4790,8025,8025,5975,1350,4950,4790,87820],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"State chartered credit union offering financial services for u. s. postal employees and their families that live or work in maryland","year":2019,"name":"POST OFFICE CREDIT UNION OF MARYLAND","phone":4107275469,"website":"pocumd.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Joe Amellio","year_formation":1929,"state_legal_domicile":"MD","total_volunteers":12,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"900 E Fayette Street Suite 606, Baltimore, MD, 21233, USA","city":"Baltimore","state":"MD","country":"USA","zip_code":21233},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":936356,"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":333896,"Total revenue":333896,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":471373,"Investment income total":471373,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":131087,"Other total":131087,"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":1012268,"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":441137,"Current officers":50455,"Disqualified persons":0,"Other salaries and wages":286661,"Pension plan contributions":28722,"Other employee benefits":53887,"Payroll taxes":21412},"Other expenses":{"value":571131,"Management services":0,"Legal":9196,"Accounting":10663,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":2540,"Office expenses":250954,"Information technology":86033,"Royalties":0,"Occupancy":2784,"Travel":0,"Conferences and meetings":12256,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":10945,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":161638,"All other expenses":24122},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":30943806,"Non-interest bearing cash":171970,"Savings and temp cash investments":3186289,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":6424728,"Inventories for sale or use":0,"Prepaid expenses deferred charges":11039,"Land, building, equipment":12699,"Investments publicly traded":20739752,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":397329},"Liabilities":{"value":48866,"Sum of Total Liabilities":0,"Accounts payable, accrued":48866,"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":0},"Fund balance":{"value":30894940,"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":-0.08107172912866474,"percentile":0.24373858571143536},"Liabilities to Assets Ratio":{"score":0.0015791851849122891,"percentile":0.5614183434851934},"Operating Reserve Ratio":{"score":30.568788107497223,"percentile":0.9678666779568329},"Officer Compensation Ratio":{"score":0.13398131720058323,"percentile":0.451369858665027},"Program Expense Growth":{"score":-0.3808649383380383,"percentile":0.048642203391428114},"Revenue Growth":{"score":0.00968539200661664,"percentile":0.41344389785576163},"Asset Growth":{"score":-0.007129064200046072,"percentile":0.290895241064397},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.46460346495400684,"percentile":0.24098694040036533}},"source_xml":"202041689349300129_public.xml"},{"Organization":{"value":null,"Person":["Christopher Garrity","Ronald Bailey","Thomas Keefe","David Brignac","W David Hepner","Lawrence Schultz Jr","Philip Yocum","Blanche Evans","Daniel McCormack"],"Title":["Chairman","Vice Chair","Vice Chair","Treasurer","Secretary","Board member","Board member","Board member","Board Member"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[4950,4850,4600,8200,8200,6075,4800,4950,4950],"Direct compensation":[4950,4850,4600,8200,8200,6075,4800,4950,4950],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union for u. s. postal employees and their families that live and/or work in maryland","year":2015,"name":"POST OFFICE CREDIT UNION OF MARYLAND","phone":4107275469,"website":"pocumd.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Carol Bradley","year_formation":1929,"state_legal_domicile":"MD","total_volunteers":12,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"900 E Fayette Street Suite 606, Baltimore, MD, 21233, USA","city":"Baltimore","state":"MD","country":"USA","zip_code":21233},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":4,"Total Gross UBI":11672,"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":801607,"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":201303,"Total revenue":201303,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":467896,"Investment income total":467896,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":132408,"Other total":132408,"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":772619,"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":355124,"Current officers":55520,"Disqualified persons":0,"Other salaries and wages":228710,"Pension plan contributions":0,"Other employee benefits":52510,"Payroll taxes":18384},"Other expenses":{"value":417495,"Management services":0,"Legal":28016,"Accounting":20506,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":22097,"Office expenses":136312,"Information technology":70283,"Royalties":0,"Occupancy":2232,"Travel":1390,"Conferences and meetings":15940,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":6379,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":107341,"Dividend Expense":91411,"Association Dues":8669,"Loan Servicing Expense":3771,"State Annual Assessment":3490},"All other expenses":6999},"Functional Expenses":{"value":null,"Program Service Expenses":772619,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":32443139,"Non-interest bearing cash":204980,"Savings and temp cash investments":1675371,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":4336156,"Inventories for sale or use":0,"Prepaid expenses deferred charges":33609,"Land, building, equipment":3845,"Investments publicly traded":25778055,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":411123},"Liabilities":{"value":21540,"Sum of Total Liabilities":0,"Accounts payable, accrued":21540,"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":0},"Fund balance":{"value":32421599,"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":0.036162358861636684,"percentile":0.49294135605773276},"Liabilities to Assets Ratio":{"score":0.0006639308237097526,"percentile":0.5743101405528708},"Operating Reserve Ratio":{"score":41.99112240315084,"percentile":0.9773724455409468},"Officer Compensation Ratio":{"score":0.06675347098634644,"percentile":0.6789617039315825},"Program Expense Growth":{"score":-0.03065774335248622,"percentile":0.2344723783441488},"Revenue Growth":{"score":-0.02298717454475951,"percentile":0.2872908192419001},"Asset Growth":{"score":0.004749095916275538,"percentile":0.33982304159971877},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6870597777628171,"percentile":0.8261521167478572}},"source_xml":"201611259349301311_public.xml"},{"Organization":{"value":null,"Person":["Christopher Garrity","Ronald Bailey","Thomas Keefe","David Brignac","W David Hepner","Lawrence Schultz Jr","Philip Yocum","Blanche Evans","Daniel McCormack","Joseph Amellio"],"Title":["Chairman","Vice Chair","Vice Chair","Treasurer","Secretary","Board member","Board member","Board member","Board Member","President/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[5000,5000,4800,8350,8320,6025,4950,5000,4900,83500],"Direct compensation":[5000,5000,4800,8350,8320,6025,4950,5000,4900,83500],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"State chartered credit union offering financial services for u. s. postal employees and their families that live or work in maryland","year":2018,"name":"POST OFFICE CREDIT UNION OF MARYLAND","phone":4107275469,"website":"pocumd.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Joseph Amellio","year_formation":1929,"state_legal_domicile":"MD","total_volunteers":12,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"900 E Fayette Street Suite 606, Baltimore, MD, 21233, USA","city":"Baltimore","state":"MD","country":"USA","zip_code":21233},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":800990,"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":277133,"Total revenue":277133,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":409088,"Investment income total":409088,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":114769,"Other total":114769,"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":913111,"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":462431,"Current officers":138785,"Disqualified persons":0,"Other salaries and wages":210805,"Pension plan contributions":46276,"Other employee benefits":45325,"Payroll taxes":21240},"Other expenses":{"value":450680,"Management services":0,"Legal":21591,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":21034,"Office expenses":176084,"Information technology":88354,"Royalties":0,"Occupancy":3037,"Travel":0,"Conferences and meetings":12000,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":3207,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":103505,"All other expenses":21868},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":30914361,"Non-interest bearing cash":192701,"Savings and temp cash investments":750169,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":5552699,"Inventories for sale or use":0,"Prepaid expenses deferred charges":9893,"Land, building, equipment":27639,"Investments publicly traded":23991638,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":389622},"Liabilities":{"value":69599,"Sum of Total Liabilities":0,"Accounts payable, accrued":69599,"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":0},"Fund balance":{"value":30844762,"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":-0.1399780271913507,"percentile":0.18830373863870042},"Liabilities to Assets Ratio":{"score":0.0022513484914017793,"percentile":0.5536741703578797},"Operating Reserve Ratio":{"score":33.85608211926042,"percentile":0.9714814846999722},"Officer Compensation Ratio":{"score":0.14877161703232136,"percentile":0.41499853239022105},"Program Expense Growth":{"score":-0.3509004868635955,"percentile":0.05334828333480434},"Revenue Growth":{"score":-0.01227468760170733,"percentile":0.32198375576136856},"Asset Growth":{"score":-0.005525068834537332,"percentile":0.29694823999033315},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.44584367037536654,"percentile":0.20306444526349282}},"source_xml":"201900849349301500_public.xml"},{"Organization":{"value":null,"Person":["Joseph Amellio","Thomas Keefe","Lawrence Schultz Jr","Ronald Bailey","David Brignac","Roger Evans","Blanche Evans","Michael Thomas"],"Title":["President/CEO","Secretary/Treasurer","Board member","Chairperson","Vice Chairperson","Board Member","Board member","Board Member"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[107000,4910,735,470,450,445,210,50],"Direct compensation":[107000,4910,735,470,450,445,210,50],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"State chartered credit union offering financial services for u. s. postal employees and their families that live or work in maryland","year":2023,"name":"POST OFFICE CREDIT UNION OF MARYLAND INC","phone":4107275469,"website":"www.pocumd.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Joseph Amellio","year_formation":1929,"state_legal_domicile":"MD","total_volunteers":10,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"900 E Fayette Street Suite 606, Baltimore, MD, 21233, USA","city":"Baltimore","state":"MD","country":"USA","zip_code":21233},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":5,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":663816,"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":417985,"Total revenue":417985,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":131378,"Investment income total":131378,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":114453,"Other total":114453,"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":1168336,"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":432450,"Current officers":9220,"Disqualified persons":0,"Other salaries and wages":343791,"Pension plan contributions":34379,"Other employee benefits":18592,"Payroll taxes":26468},"Other expenses":{"value":735886,"Management services":0,"Legal":-1256,"Accounting":14854,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":62235,"Office expenses":371655,"Information technology":136582,"Royalties":0,"Occupancy":4146,"Travel":0,"Conferences and meetings":5465,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":3978,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":138227,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":1168336,"Fundraising Expenses":0}},"Assets":{"value":29313870,"Non-interest bearing cash":142472,"Savings and temp cash investments":1434866,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":8533758,"Inventories for sale or use":0,"Prepaid expenses deferred charges":116382,"Land, building, equipment":17547,"Investments publicly traded":18716308,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":352537},"Liabilities":{"value":92244,"Sum of Total Liabilities":0,"Accounts payable, accrued":92244,"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":0},"Fund balance":{"value":29221626,"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":-0.7600298878002338,"percentile":0.05220700192533483},"Liabilities to Assets Ratio":{"score":0.003146769771442665,"percentile":0.544649748538673},"Operating Reserve Ratio":{"score":25.09027368839101,"percentile":0.959000731368346},"Officer Compensation Ratio":{"score":0.09780576820366743,"percentile":0.5593439369157338},"Program Expense Growth":{"score":-0.3289969158602349,"percentile":0.05698538390284156},"Revenue Growth":{"score":-0.025232414465531868,"percentile":0.28061696862495106},"Asset Growth":{"score":-0.0033727432119872573,"percentile":0.30529599557253545},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.42717617684951054,"percentile":0.1678995388953206}},"source_xml":"202422229349300437_public.xml"},{"Organization":{"value":null,"Person":["Joseph Amellio","Thomas Keefe","Lawrence Schultz Jr","Ronald Bailey","David Brignac","Kevin Johnston","Christopher Garrity","W David Hepner","Blanche Evans","Daniel McCormack"],"Title":["President/CEO","Vice Chair","Board member","Vice Chair","Treasurer","Board Member","Chairman","Secretary","Board member","Board Member"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[107000,2680,670,640,570,450,300,270,270,190],"Direct compensation":[107000,2680,670,640,570,450,300,270,270,190],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"State chartered credit union offering financial services for u. s. postal employees and their families that live or work in maryland","year":2022,"name":"POST OFFICE CREDIT UNION OF MARYLAND INC","phone":4107275469,"website":"www.pocumd.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Joseph Amellio","year_formation":1929,"state_legal_domicile":"MD","total_volunteers":12,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"900 E Fayette Street Suite 606, Baltimore, MD, 21233, USA","city":"Baltimore","state":"MD","country":"USA","zip_code":21233},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":5,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":610602,"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":336551,"Total revenue":336551,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":129764,"Investment income total":129764,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":144287,"Other total":144287,"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":1059465,"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":441860,"Current officers":8365,"Disqualified persons":0,"Other salaries and wages":349986,"Pension plan contributions":34999,"Other employee benefits":21620,"Payroll taxes":26890},"Other expenses":{"value":617605,"Management services":0,"Legal":19424,"Accounting":18850,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":48085,"Office expenses":285039,"Information technology":132931,"Royalties":0,"Occupancy":3758,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":3889,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":100829,"All other expenses":4800},"Functional Expenses":{"value":null,"Program Service Expenses":100829,"Management And General Expenses":958636,"Fundraising Expenses":0}},"Assets":{"value":32370622,"Non-interest bearing cash":131038,"Savings and temp cash investments":277315,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":6228319,"Inventories for sale or use":0,"Prepaid expenses deferred charges":158981,"Land, building, equipment":20777,"Investments publicly traded":25197508,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":356684},"Liabilities":{"value":104822,"Sum of Total Liabilities":0,"Accounts payable, accrued":104822,"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":0},"Fund balance":{"value":32265800,"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":0.09516973189298372,"percentile":0.44682135290374037},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.7351155089567345,"percentile":0.0536615498996368},"Liabilities to Assets Ratio":{"score":0.0032381830661147013,"percentile":0.5437845052627439},"Operating Reserve Ratio":{"score":30.55374363475905,"percentile":0.9678474792851385},"Officer Compensation Ratio":{"score":0.1066953603941612,"percentile":0.5303253112138574},"Program Expense Growth":{"score":-0.3381780798305878,"percentile":0.05548881277736694},"Revenue Growth":{"score":-0.02441352213554695,"percentile":0.28298800817839265},"Asset Growth":{"score":0.0008471032431277756,"percentile":0.32357638876233696},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.428614359814479,"percentile":0.17050133959738684}},"source_xml":"202331799349301248_public.xml"},{"Organization":{"value":null,"Person":["Joseph Amellio","David Brignac","W David Hepner","Lawrence Schultz Jr","Ronald Bailey","Christopher Garrity","Blanche Evans","Thomas Keefe","Kevin Johnston","Daniel McCormack"],"Title":["President/CEO","Treasurer","Secretary","Board member","Vice Chair","Chairman","Board member","Vice Chair","Board Member","Board Member"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[90389,4075,4065,1600,650,520,460,450,410,320],"Direct compensation":[90389,4075,4065,1600,650,520,460,450,410,320],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"State chartered credit union offering financial services for u. s. postal employees and their families that live or work in maryland","year":2020,"name":"POST OFFICE CREDIT UNION OF MARYLAND","phone":4107275469,"website":"pocumd.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Joseph Amellio","year_formation":1929,"state_legal_domicile":"MD","total_volunteers":12,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"900 E Fayette Street Suite 606, Baltimore, MD, 21233, USA","city":"Baltimore","state":"MD","country":"USA","zip_code":21233},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":5,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":758266,"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":357520,"Total revenue":357520,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":231892,"Investment income total":231892,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":168854,"Other total":168854,"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":931851,"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":397274,"Current officers":15250,"Disqualified persons":0,"Other salaries and wages":296869,"Pension plan contributions":28769,"Other employee benefits":36280,"Payroll taxes":20106},"Other expenses":{"value":534577,"Management services":0,"Legal":17934,"Accounting":8542,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":39450,"Office expenses":183740,"Information technology":77545,"Royalties":0,"Occupancy":3282,"Travel":0,"Conferences and meetings":2000,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":21783,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":161345,"All other expenses":18956},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":32544577,"Non-interest bearing cash":203561,"Savings and temp cash investments":7475179,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":6149837,"Inventories for sale or use":0,"Prepaid expenses deferred charges":46236,"Land, building, equipment":10360,"Investments publicly traded":18323334,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":336070},"Liabilities":{"value":46230,"Sum of Total Liabilities":0,"Accounts payable, accrued":46230,"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":0},"Fund balance":{"value":32498347,"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":-0.22892362310851336,"percentile":0.1379652102776644},"Liabilities to Assets Ratio":{"score":0.0014205131626077057,"percentile":0.5633731296078711},"Operating Reserve Ratio":{"score":34.924657482795,"percentile":0.9724565751307682},"Officer Compensation Ratio":{"score":0.11046723134921785,"percentile":0.5183827282108787},"Program Expense Growth":{"score":-0.3854209054004102,"percentile":0.04796739677172513},"Revenue Growth":{"score":-0.0001181145658270608,"percentile":0.3687930991522323},"Asset Growth":{"score":-0.002999452457250817,"percentile":0.30674462204082226},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.44789768252914697,"percentile":0.20709653640531137}},"source_xml":"202131339349302398_public.xml"},{"Organization":{"value":null,"Person":["Christopher Garrity","Ronald Bailey","David Brignac","W David Hepner","Lawrence Schultz Jr","Philip Yocum","Blanche Evans","Thomas Keefe","Daniel McCormack"],"Title":["Chairman","Vice Chair","Treasurer","Secretary","Board member","Board member","Board member","Vice Chair","Board Member"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[4800,4850,8000,8050,5950,4650,4800,4600,3650],"Direct compensation":[4800,4850,8000,8050,5950,4650,4800,4600,3650],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union for u. s. postal employees and their families that live and/or work in maryland","year":2013,"name":"POST OFFICE CREDIT UNION OF MARYLAND","phone":4107275469,"website":"pocumd.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Carol Bradley","year_formation":1929,"state_legal_domicile":"MD","total_volunteers":11,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"900 E Fayette Street Suite 606, Baltimore, MD, 21233, USA","city":"Baltimore","state":"MD","country":"USA","zip_code":21233},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":6,"Total Gross UBI":6078,"Net unrelated business taxable income":0,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":839451,"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":155192,"Total revenue":155192,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":540195,"Investment income total":540195,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":144064,"Other total":144064,"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":821134,"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":363265,"Current officers":54684,"Disqualified persons":0,"Other salaries and wages":227541,"Pension plan contributions":0,"Other employee benefits":59844,"Payroll taxes":21196},"Other expenses":{"value":457869,"Management services":0,"Legal":36327,"Accounting":14398,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":21261,"Office expenses":149312,"Information technology":69447,"Royalties":0,"Occupancy":2559,"Travel":1667,"Conferences and meetings":17226,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":8759,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":122892,"Dividend Expense":91040,"Member Share Insurance":18938,"Association Dues":8639,"Loan Servicing Expense":4275},"All other expenses":14021},"Functional Expenses":{"value":null,"Program Service Expenses":821134,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":32136975,"Non-interest bearing cash":100709,"Savings and temp cash investments":286287,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2630098,"Inventories for sale or use":0,"Prepaid expenses deferred charges":61925,"Land, building, equipment":16194,"Investments publicly traded":28591341,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":450421},"Liabilities":{"value":15881,"Sum of Total Liabilities":0,"Accounts payable, accrued":15881,"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":0},"Fund balance":{"value":32121094,"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":0.021820213449027997,"percentile":0.4570604679865954},"Liabilities to Assets Ratio":{"score":0.0004941659879313469,"percentile":0.5772170220227356},"Operating Reserve Ratio":{"score":39.1373088923367,"percentile":0.9756623491211758},"Officer Compensation Ratio":{"score":0.06009981318518049,"percentile":0.7088486857688737},"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":0.822543581591763,"percentile":0.9707516404243435}},"source_xml":"201441199349300714_public.xml"},{"Organization":{"value":null,"Person":["Christopher Garrity","Ronald Bailey","Thomas Keefe","David Brignac","W David Hepner","Lawrence Schultz Jr","Philip Yocum","Blanche Evans","Daniel McCormack"],"Title":["Chairman","Vice Chair","Vice Chair","Treasurer","Secretary","Board member","Board member","Board member","Board Member"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[5000,4950,4750,8350,8350,6050,5050,5000,5000],"Direct compensation":[5000,4950,4750,8350,8350,6050,5050,5000,5000],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union for u. s. postal employees and their families that live and/or work in maryland","year":2016,"name":"POST OFFICE CREDIT UNION OF MARYLAND","phone":4107275469,"website":"pocumd.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Carol Bradley","year_formation":1929,"state_legal_domicile":"MD","total_volunteers":12,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"900 E Fayette Street Suite 606, Baltimore, MD, 21233, USA","city":"Baltimore","state":"MD","country":"USA","zip_code":21233},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":4,"Total Gross UBI":15308,"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":766661,"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":217936,"Total revenue":217936,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":423235,"Investment income total":423235,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":125490,"Other total":125490,"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":774344,"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":365763,"Current officers":55645,"Disqualified persons":0,"Other salaries and wages":236672,"Pension plan contributions":0,"Other employee benefits":54475,"Payroll taxes":18971},"Other expenses":{"value":408581,"Management services":0,"Legal":39259,"Accounting":11928,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":22969,"Office expenses":131160,"Information technology":68556,"Royalties":0,"Occupancy":2460,"Travel":1750,"Conferences and meetings":5843,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":3345,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":116967,"Dividend Expense":100917,"Association Dues":8576,"Loan Servicing":3959,"State Annual Assessment":3515},"All other expenses":4344},"Functional Expenses":{"value":null,"Program Service Expenses":774344,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":32504326,"Non-interest bearing cash":269101,"Savings and temp cash investments":1012955,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":4862979,"Inventories for sale or use":0,"Prepaid expenses deferred charges":33784,"Land, building, equipment":6555,"Investments publicly traded":25923235,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":395717},"Liabilities":{"value":8279,"Sum of Total Liabilities":0,"Accounts payable, accrued":8279,"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":0},"Fund balance":{"value":32496047,"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":-0.010021378418883965,"percentile":0.3603168252905886},"Liabilities to Assets Ratio":{"score":0.00025470455840247234,"percentile":0.5819512792654609},"Operating Reserve Ratio":{"score":41.97659696465654,"percentile":0.9773629472507401},"Officer Compensation Ratio":{"score":0.06779932433130495,"percentile":0.6745403158022746},"Program Expense Growth":{"score":-0.018767802681722755,"percentile":0.2630850359168501},"Revenue Growth":{"score":-0.030304021012785353,"percentile":0.26637981259576615},"Asset Growth":{"score":0.004407011743253609,"percentile":0.33841254425852446},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6663761037162635,"percentile":0.7805832073263188}},"source_xml":"201721079349301107_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["Joseph Amellio","Thomas Keefe","Michael Thomas","David Brignac","Ronald Bailey","Lawrence Schultz Jr","Roger Evans","Blanche Evans"],"Title":["President/CEO","Secretary/Treasurer","Board Member","Vice Chairperson","Chairperson","Board member","Board Member","Board member"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[100012,4020,1560,750,700,440,410,380],"Direct compensation":[100012,4020,1560,750,700,440,410,380],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"State chartered credit union offering financial services for u. s. postal employees and their families that live or work in maryland","year":2024,"name":"POST OFFICE CREDIT UNION OF MARYLAND INC","phone":4107275469,"website":"www.pocumd.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Joseph Amellio","year_formation":1929,"state_legal_domicile":"MD","total_volunteers":10,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"900 E Fayette Street Suite 606, Baltimore, MD, 21233, USA","city":"Baltimore","state":"MD","country":"USA","zip_code":21233},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1124526,"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":624071,"Total revenue":624071,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":308995,"Investment income total":308995,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":191460,"Other total":191460,"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":1301869,"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":550660,"Current officers":11260,"Disqualified persons":0,"Other salaries and wages":441226,"Pension plan contributions":41757,"Other employee benefits":22756,"Payroll taxes":33661},"Other expenses":{"value":751209,"Management services":0,"Legal":1380,"Accounting":16377,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":54320,"Office expenses":315561,"Information technology":135847,"Royalties":0,"Occupancy":5869,"Travel":0,"Conferences and meetings":11100,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":3242,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":175835,"All other expenses":31678},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":28141403,"Non-interest bearing cash":253096,"Savings and temp cash investments":4618313,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":13709779,"Inventories for sale or use":0,"Prepaid expenses deferred charges":95216,"Land, building, equipment":15307,"Investments publicly traded":9061308,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":388384},"Liabilities":{"value":74511,"Sum of Total Liabilities":0,"Accounts payable, accrued":74511,"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":0},"Fund balance":{"value":28066892,"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":-0.15770466845586495,"percentile":0.17582258794594063},"Liabilities to Assets Ratio":{"score":0.0026477357934144223,"percentile":0.5495179710045179},"Operating Reserve Ratio":{"score":21.616155696156834,"percentile":0.9507438879007748},"Officer Compensation Ratio":{"score":0.08316658588536942,"percentile":0.6120279534486877},"Program Expense Growth":{"score":-0.3180393699526447,"percentile":0.05883928120027318},"Revenue Growth":{"score":-0.0013645582006669454,"percentile":0.3634910862743155},"Asset Growth":{"score":-0.007166245954965531,"percentile":0.29074664961322766},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4572816874310429,"percentile":0.22583450107721748}},"source_xml":"202531289349302833_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}