{"success":true,"data":{"_id":566055648,"filings":[{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"To provide loans and share accounts to members at reasonable rates","primary_activities":"Total # loans: 341 total amount of loans: $2,276,183.59 total members: 781 total amount of shares: $3,771,669.20","year":2010,"name":"STATE CHARTERED CREDIT UNION","phone":"8282589845","type":"990","principal_officer":"MARLENE CLINARD","year_formation":1928,"state_legal_domicile":"NC","total_volunteers":16,"tax_period_begin":"2010-01-01T00:00:00","tax_period_end":"2010-12-31T00:00:00","address":"591 BREVARD ROAD, ASHEVILLE, NC, 28806, USA","city":"ASHEVILLE","state":"NC","country":"USA","zip_code":"28806"},"Governance":{"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":2,"Total Gross UBI":0,"Number of employees":2,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":false,"Conflict of interest policy":false,"Whistle blower policy":false,"Compensation process for CEO":false,"Compensation process for other employees":false,"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":false,"Document retention policy":false,"Investment in joint venture":false,"Independent audit financial statements":false,"Consolidated audit financial statements":false,"Accountant compile or review":false,"Financial statements audited by independent accountant":true,"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":218064,"Contributions":{"value":0},"Program revenue":{"value":211517,"Total revenue":{"value":211517,"VARIOUS":211517}},"Investment income":{"value":6547,"Investment income total":6547},"Other revenues":{"value":0}},"Expenses":{"value":231029,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":65556,"Current officers":30160,"Other salaries and wages":24854,"Other employee benefits":6270,"Payroll taxes":4272},"Other expenses":{"value":165473,"Legal":2672,"Other services":8555,"Advertising":1220,"Office expenses":8664,"Information technology":8618,"Occupancy":253,"Conferences and meetings":154,"Depreciation and depletion":4124,"Insurance":7100,"Itemized Expenses":{"value":124113,"VARIOUS":124113}}},"Assets":{"value":4154327,"Non-interest bearing cash":31463,"Savings and temp cash investments":1776842,"Accounts receivable":5250,"Other net note and loans":2259847,"Prepaid expenses deferred charges":23975,"Land, building, equipment":18625,"Other assets":38325},"Liabilities":{"value":3775373,"Accounts payable, accrued":3704,"Other liabilities":3771669},"Fund balance":{"value":378954},"Form990Details":{"program_service_accomplishments":[{"description":"TOTAL # LOANS: 341 TOTAL AMOUNT OF LOANS: $2,276,183.59 TOTAL MEMBERS: 781 TOTAL AMOUNT OF SHARES: $3,771,669.20"}],"program_service_revenue_detail":[{"business_code":"522100","description":"LOAN INTEREST INCOME","total_revenue":171750},{"business_code":"522100","description":"FEE INCOME","total_revenue":25416},{"business_code":"524298","description":"OTHER INCOME","total_revenue":14351}],"functional_expense_allocations":{"current_officers_directors":{"total":30160},"other_salaries_and_wages":{"total":24854},"other_employee_benefits":{"total":6270},"payroll_taxes":{"total":4272},"legal_fees":{"total":2672},"other_service_fees":{"total":8555},"advertising":{"total":1220},"office_expenses":{"total":8664},"information_technology":{"total":8618},"occupancy":{"total":253},"conferences_meetings":{"total":154},"depreciation_depletion":{"total":4124},"insurance":{"total":7100}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"employment_tax_returns_filed":true,"lobbying_activities":false,"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":"MARLENE CLINARD","address_line1":"591 BREVARD ROAD","city":"ASHEVILLE","state":"NC","zip":"28806"},"audit_financial_statement_detail":{"accountant_compile_or_review":false,"audited_financial_statement_consolidated":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,"excess_benefit_transaction":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":{"person_name":"MARLENE CLINARD","phone":"8282589845","address_line1":"591 BREVARD ROAD","city":"ASHEVILLE","state":"NC","zip":"28806"},"officers_directors_key_employees":[{"title":"152 STRADLEY MOUNTAIN ROAD ASHEVILLE NC 28806","average_hours_per_week":0.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true,"officer":true},{"title":"PO BOX 17611 ASHEVILLE NC 28816","average_hours_per_week":0.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"152 STRDLEY MOUNTAIN ROAD ASHEVILLE NC NC 28806","average_hours_per_week":0.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"PO BOX 1085 ENKA NC 28728","average_hours_per_week":0.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"PO BOX 235 SWANNANOA, NC 28778","average_hours_per_week":0.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"5 CHAZ LANE CANDLER NC 28715","average_hours_per_week":0.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"118 BARTKLETTE ROAD WEAVERVILLE NC 28787","average_hours_per_week":0.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"officer":true},{"title":"176 CLARAS TRAIL MILLS RIVER NC 28759","average_hours_per_week":0.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"officer":true},{"title":"24 LAUREK PARK DRIVE ARDEN NC 28704","average_hours_per_week":40.0,"reportable_comp_from_org":30160,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true,"key_employee":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"land_buildings_equipment":{"equipment":{"other_cost_or_other_basis":150802,"book_value":18625,"depreciation":132177},"total_book_value":18625},"other_assets":{"assets":[{"description":"NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT"},{"description":"ALL OTHER ASSETS"}],"total_book_value":38325},"other_liabilities":{"liabilities":[{"description":"SHARES","amount":3771669}],"total_liability":3771669}},"source_xml":"201121119349300417_public.xml"},{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"To provide loans and share accounts to members at reasonable rates","primary_activities":"Total # loans: 323 total amount of loans: $2,128,052 total members: 1,142 total amount of shares: $3,810,160","year":2012,"name":"STATE CHARTERED CREDIT UNION","phone":"8282589845","type":"990","principal_officer":"MARLENE CLINARD","year_formation":1928,"state_legal_domicile":"NC","total_volunteers":8,"tax_period_begin":"2012-01-01T00:00:00","tax_period_end":"2012-12-31T00:00:00","address":"591 BREVARD ROAD, ASHEVILLE, NC, 28806, USA","city":"ASHEVILLE","state":"NC","country":"USA","zip_code":"28806"},"Governance":{"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":2,"Total Gross UBI":0,"Number of employees":2,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":false,"Conflict of interest policy":false,"Whistle blower policy":false,"Compensation process for CEO":false,"Compensation process for other employees":false,"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":false,"Document retention policy":false,"Investment in joint venture":false,"Independent audit financial statements":false,"Consolidated audit financial statements":false,"Accountant compile or review":false,"Financial statements audited by independent accountant":true,"Audit committee":true,"Federal grant audit required":false,"Audited financial statements consolidated":true,"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":218009,"Contributions":{"value":0},"Program revenue":{"value":218009,"Total revenue":{"value":218009,"VARIOUS":218009}},"Investment income":{"value":0},"Other revenues":{"value":0}},"Expenses":{"value":211042,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":72504,"Current officers":32240,"Other salaries and wages":27160,"Other employee benefits":8560,"Payroll taxes":4544},"Other expenses":{"value":138538,"Legal":248,"Accounting":6165,"Office expenses":17866,"Conferences and meetings":255,"Interest":30992,"Depreciation and depletion":1458,"Insurance":8343,"Itemized Expenses":{"value":73211,"VARIOUS":73211}}},"Assets":{"value":4126433,"Non-interest bearing cash":38094,"Savings and temp cash investments":1918680,"Other net note and loans":2114181,"Prepaid expenses deferred charges":6288,"Land, building, equipment":11129,"Other assets":38061},"Liabilities":{"value":3811844,"Accounts payable, accrued":1684,"Other liabilities":3810160},"Fund balance":{"value":314589},"Form990Details":{"program_service_accomplishments":[{"description":"TOTAL # LOANS: 323 TOTAL AMOUNT OF LOANS: $2,128,052 TOTAL MEMBERS: 1,142 TOTAL AMOUNT OF SHARES: $3,810,160"}],"program_service_revenue_detail":[{"business_code":"522100","description":"LOAN INTEREST INCOME","total_revenue":161183},{"business_code":"522100","description":"FEE INCOME","total_revenue":2109},{"business_code":"524298","description":"OTHER INCOME","total_revenue":54717}],"functional_expense_allocations":{"current_officers_directors":{"total":32240},"other_salaries_and_wages":{"total":27160},"other_employee_benefits":{"total":8560},"payroll_taxes":{"total":4544},"legal_fees":{"total":248},"accounting_fees":{"total":6165},"office_expenses":{"total":17866},"conferences_meetings":{"total":255},"interest":{"total":30992},"depreciation_depletion":{"total":1458},"insurance":{"total":8343}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"employment_tax_returns_filed":true,"lobbying_activities":false,"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":"MARLENE CLINARD","address_line1":"591 BREVARD ROAD","city":"ASHEVILLE","state":"NC","zip":"28806"},"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,"excess_benefit_transaction":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":{"person_name":"MARLENE CLINARD","phone":"8282589845","address_line1":"591 BREVARD ROAD","city":"ASHEVILLE","state":"NC","zip":"28806"},"officers_directors_key_employees":[{"title":"152 STRADLEY MOUNTAIN ROAD ASHEVILLE NC 28806","average_hours_per_week":0.0,"individual_trustee_or_director":true,"officer":true},{"title":"152 STRADLEY MTN. RD. ASHEVILLE NC 28806","average_hours_per_week":0.0,"individual_trustee_or_director":true},{"title":"PO BOX 235 SWANNANOA, NC 28778","average_hours_per_week":0.0,"individual_trustee_or_director":true},{"title":"176 CLARAS TRAIL MILLS RIVER NC 28759","average_hours_per_week":0.0,"officer":true},{"title":"24 LAUREK PARK DRIVE ARDEN NC 28704","average_hours_per_week":40.0,"reportable_comp_from_org":32240,"individual_trustee_or_director":true,"key_employee":true},{"title":"441 MERRIL COVE ROAD ASHEVILLE, NC 28803","average_hours_per_week":0.0,"officer":true},{"title":"193 BROOKSHIRE RD. LEICESTER, NC 28704","average_hours_per_week":0.0,"individual_trustee_or_director":true},{"title":"PO BOX 1712 ENKA, NC 28728","average_hours_per_week":0.0,"individual_trustee_or_director":true},{"title":"2 ANDWAY DRIVE, ASHEVILLE, NC 28806","average_hours_per_week":0.0,"individual_trustee_or_director":true,"officer":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"land_buildings_equipment":{"equipment":{"other_cost_or_other_basis":173977,"book_value":11129,"depreciation":162848},"total_book_value":11129},"other_assets":{"assets":[{"description":"NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT","book_value":38061}],"total_book_value":38061},"other_liabilities":{"liabilities":[{"description":"SHARES","amount":3810160}],"total_liability":3810160}},"source_xml":"201331269349301408_public.xml"},{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"To provide loans and share accounts to members at reasonable rates","primary_activities":"Total # loans: 324 total amount of loans: $2,257,671 total members: 743 total amount of shares: $3,977,102","year":2011,"name":"STATE CHARTERED CREDIT UNION","phone":"8282589845","type":"990","principal_officer":"MARLENE CLINARD","year_formation":1928,"state_legal_domicile":"NC","total_volunteers":16,"tax_period_begin":"2011-01-01T00:00:00","tax_period_end":"2011-12-31T00:00:00","address":"591 BREVARD ROAD, ASHEVILLE, NC, 28806, USA","city":"ASHEVILLE","state":"NC","country":"USA","zip_code":"28806"},"Governance":{"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":2,"Total Gross UBI":0,"Number of employees":2,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":false,"Conflict of interest policy":false,"Whistle blower policy":false,"Compensation process for CEO":false,"Compensation process for other employees":false,"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":false,"Document retention policy":false,"Investment in joint venture":false,"Independent audit financial statements":false,"Consolidated audit financial statements":false,"Accountant compile or review":false,"Financial statements audited by independent accountant":true,"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":224248,"Contributions":{"value":0},"Program revenue":{"value":215909,"Total revenue":{"value":215909,"VARIOUS":215909}},"Investment income":{"value":8339,"Investment income total":8339},"Other revenues":{"value":0}},"Expenses":{"value":289884,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":69961,"Current officers":30800,"Other salaries and wages":26066,"Other employee benefits":8632,"Payroll taxes":4463},"Other expenses":{"value":219923,"Legal":64019,"Investment management fees":7158,"Other services":35103,"Advertising":716,"Office expenses":32113,"Occupancy":98,"Conferences and meetings":208,"Interest":44855,"Depreciation and depletion":1295,"Insurance":7597,"Itemized Expenses":{"value":26761,"VARIOUS":26761}}},"Assets":{"value":4288500,"Non-interest bearing cash":29592,"Savings and temp cash investments":1963895,"Other net note and loans":2240184,"Prepaid expenses deferred charges":4022,"Land, building, equipment":13090,"Other assets":37717},"Liabilities":{"value":3980639,"Accounts payable, accrued":3537,"Other liabilities":3977102},"Fund balance":{"value":307861},"Form990Details":{"program_service_accomplishments":[{"description":"TOTAL # LOANS: 324 TOTAL AMOUNT OF LOANS: $2,257,671 TOTAL MEMBERS: 743 TOTAL AMOUNT OF SHARES: $3,977,102"}],"program_service_revenue_detail":[{"business_code":"522100","description":"LOAN INTEREST INCOME","total_revenue":162552},{"business_code":"522100","description":"FEE INCOME","total_revenue":24415},{"business_code":"524298","description":"OTHER INCOME","total_revenue":28942}],"functional_expense_allocations":{"current_officers_directors":{"total":30800},"other_salaries_and_wages":{"total":26066},"other_employee_benefits":{"total":8632},"payroll_taxes":{"total":4463},"legal_fees":{"total":64019},"investment_management_fees":{"total":7158},"other_service_fees":{"total":35103},"advertising":{"total":716},"office_expenses":{"total":32113},"occupancy":{"total":98},"conferences_meetings":{"total":208},"interest":{"total":44855},"depreciation_depletion":{"total":1295},"insurance":{"total":7597}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"employment_tax_returns_filed":true,"lobbying_activities":false,"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":"MARLENE CLINARD","address_line1":"591 BREVARD ROAD","city":"ASHEVILLE","state":"NC","zip":"28806"},"audit_financial_statement_detail":{"accountant_compile_or_review":false,"audited_financial_statement_consolidated":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,"excess_benefit_transaction":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":{"person_name":"MARLENE CLINARD","phone":"8282589845","address_line1":"591 BREVARD ROAD","city":"ASHEVILLE","state":"NC","zip":"28806"},"officers_directors_key_employees":[{"title":"152 STRADLEY MOUNTAIN ROAD ASHEVILLE NC 28806","average_hours_per_week":0.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true,"officer":true},{"title":"152 STRADLEY MTN. RD. ASHEVILLE NC 28806","average_hours_per_week":0.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"PO BOX 235 SWANNANOA, NC 28778","average_hours_per_week":0.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"5 CHAZ LANE CANDLER NC 28715","average_hours_per_week":0.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"176 CLARAS TRAIL MILLS RIVER NC 28759","average_hours_per_week":0.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"officer":true},{"title":"24 LAUREK PARK DRIVE ARDEN NC 28704","average_hours_per_week":40.0,"reportable_comp_from_org":30800,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true,"key_employee":true},{"title":"441 MERRIL COVE ROAD ASHEVILLE, NC 28803","average_hours_per_week":0.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"officer":true},{"title":"193 BROOKSHIRE RD. LEICESTER, NC 28704","average_hours_per_week":0.0,"reportable_comp_from_org":0,"reportable_comp_from_related_orgs":0,"other_compensation":0,"individual_trustee_or_director":true},{"title":"PO BOX 1712 ENKA, NC 28728","average_hours_per_week":0.0,"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":{"land_buildings_equipment":{"equipment":{"other_cost_or_other_basis":160053,"book_value":13090,"depreciation":146963},"total_book_value":13090},"other_assets":{"assets":[{"description":"NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT","book_value":37717}],"total_book_value":37717},"other_liabilities":{"liabilities":[{"description":"SHARES","amount":3977102}],"total_liability":3977102}},"source_xml":"201221239349301357_public.xml"}],"Latest":{"Organization":{"Hours":[0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"mission":"To provide loans and share accounts to members at reasonable rates","primary_activities":"Total # loans: 323 total amount of loans: $2,128,052 total members: 1,142 total amount of shares: $3,810,160","year":2012,"name":"STATE CHARTERED CREDIT UNION","phone":"8282589845","type":"990","principal_officer":"MARLENE CLINARD","year_formation":1928,"state_legal_domicile":"NC","total_volunteers":8,"tax_period_begin":"2012-01-01T00:00:00","tax_period_end":"2012-12-31T00:00:00","address":"591 BREVARD ROAD, ASHEVILLE, NC, 28806, USA","city":"ASHEVILLE","state":"NC","country":"USA","zip_code":"28806"},"Governance":{"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":2,"Total Gross UBI":0,"Number of employees":2,"Prohibited tax shelter transactions":false,"Taxable party notification":false,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":false,"Conflict of interest policy":false,"Whistle blower policy":false,"Compensation process for CEO":false,"Compensation process for other employees":false,"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":false,"Document retention policy":false,"Investment in joint venture":false,"Independent audit financial statements":false,"Consolidated audit financial statements":false,"Accountant compile or review":false,"Financial statements audited by independent accountant":true,"Audit committee":true,"Federal grant audit required":false,"Audited financial statements consolidated":true,"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":218009,"Contributions":{"value":0},"Program revenue":{"value":218009,"Total revenue":{"value":218009,"VARIOUS":218009}},"Investment income":{"value":0},"Other revenues":{"value":0}},"Expenses":{"value":211042,"Grant expense":{"value":0},"Total professional fundraising expense":{"value":0},"Benefits paid to members":{"value":0},"Salaries":{"value":72504,"Current officers":32240,"Other salaries and wages":27160,"Other employee benefits":8560,"Payroll taxes":4544},"Other expenses":{"value":138538,"Legal":248,"Accounting":6165,"Office expenses":17866,"Conferences and meetings":255,"Interest":30992,"Depreciation and depletion":1458,"Insurance":8343,"Itemized Expenses":{"value":73211,"VARIOUS":73211}}},"Assets":{"value":4126433,"Non-interest bearing cash":38094,"Savings and temp cash investments":1918680,"Other net note and loans":2114181,"Prepaid expenses deferred charges":6288,"Land, building, equipment":11129,"Other assets":38061},"Liabilities":{"value":3811844,"Accounts payable, accrued":1684,"Other liabilities":3810160},"Fund balance":{"value":314589},"Form990Details":{"program_service_accomplishments":[{"description":"TOTAL # LOANS: 323 TOTAL AMOUNT OF LOANS: $2,128,052 TOTAL MEMBERS: 1,142 TOTAL AMOUNT OF SHARES: $3,810,160"}],"program_service_revenue_detail":[{"business_code":"522100","description":"LOAN INTEREST INCOME","total_revenue":161183},{"business_code":"522100","description":"FEE INCOME","total_revenue":2109},{"business_code":"524298","description":"OTHER INCOME","total_revenue":54717}],"functional_expense_allocations":{"current_officers_directors":{"total":32240},"other_salaries_and_wages":{"total":27160},"other_employee_benefits":{"total":8560},"payroll_taxes":{"total":4544},"legal_fees":{"total":248},"accounting_fees":{"total":6165},"office_expenses":{"total":17866},"conferences_meetings":{"total":255},"interest":{"total":30992},"depreciation_depletion":{"total":1458},"insurance":{"total":8343}},"tax_and_disclosure_flags":{"activities_conducted_through_partnership":false,"foreign_financial_account":false,"employment_tax_returns_filed":true,"lobbying_activities":false,"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":"MARLENE CLINARD","address_line1":"591 BREVARD ROAD","city":"ASHEVILLE","state":"NC","zip":"28806"},"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,"excess_benefit_transaction":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":{"person_name":"MARLENE CLINARD","phone":"8282589845","address_line1":"591 BREVARD ROAD","city":"ASHEVILLE","state":"NC","zip":"28806"},"officers_directors_key_employees":[{"title":"152 STRADLEY MOUNTAIN ROAD ASHEVILLE NC 28806","average_hours_per_week":0.0,"individual_trustee_or_director":true,"officer":true},{"title":"152 STRADLEY MTN. RD. ASHEVILLE NC 28806","average_hours_per_week":0.0,"individual_trustee_or_director":true},{"title":"PO BOX 235 SWANNANOA, NC 28778","average_hours_per_week":0.0,"individual_trustee_or_director":true},{"title":"176 CLARAS TRAIL MILLS RIVER NC 28759","average_hours_per_week":0.0,"officer":true},{"title":"24 LAUREK PARK DRIVE ARDEN NC 28704","average_hours_per_week":40.0,"reportable_comp_from_org":32240,"individual_trustee_or_director":true,"key_employee":true},{"title":"441 MERRIL COVE ROAD ASHEVILLE, NC 28803","average_hours_per_week":0.0,"officer":true},{"title":"193 BROOKSHIRE RD. LEICESTER, NC 28704","average_hours_per_week":0.0,"individual_trustee_or_director":true},{"title":"PO BOX 1712 ENKA, NC 28728","average_hours_per_week":0.0,"individual_trustee_or_director":true},{"title":"2 ANDWAY DRIVE, ASHEVILLE, NC 28806","average_hours_per_week":0.0,"individual_trustee_or_director":true,"officer":true}]},"ScheduleB":{"attached":false,"required":false},"ScheduleD":{"land_buildings_equipment":{"equipment":{"other_cost_or_other_basis":173977,"book_value":11129,"depreciation":162848},"total_book_value":11129},"other_assets":{"assets":[{"description":"NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT","book_value":38061}],"total_book_value":38061},"other_liabilities":{"liabilities":[{"description":"SHARES","amount":3810160}],"total_liability":3810160}},"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":0.03195739625428308,"percentile":0.5146192203082502},"Operating Reserve Ratio":{"score":19.552662503198416,"percentile":0.9447275898344499},"Liabilities to Assets Ratio":{"score":0.9237624844508562,"percentile":0.0725826705734617},"Officer Compensation Ratio":{"score":0.1527658001724775,"percentile":0.37947168476135495},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.00012493923409977875,"percentile":0.35987320409904966},"Asset Growth":{"score":-0.0033288355877752547,"percentile":0.30707792548999},"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":0.3333333333333333,"weight":5,"atoms":{"Conflict of interest policy":{"value":false},"Whistle blower policy":{"value":false},"Document retention policy":{"value":false},"Compensation process for CEO":{"value":false},"Compensation process for other employees":{"value":false},"Form 990 provided to governing body":{"value":false},"Minutes of governing body":{"value":true},"Audit committee":{"value":true},"Independent audit financial statements":{"value":true}}},"Categories":{"Financial Efficiency":{"score":null,"weight":45},"Transparency & Controls":{"score":1.0,"weight":20},"Accountability":{"score":0.7222222222222222,"weight":14},"Sustainability":{"score":0.5732176719004637,"weight":13},"Growth":{"score":0.3422747778960298,"weight":8}},"Overall Score":{"score":0.7327479830724615,"percentile":0.4419070213887986}},"source_xml":"201331269349301408_public.xml"},"sector":"Public, Societal Benefit","donation_categories":[],"zakat_policy":null},"error":null}