{"success":true,"data":{"_id":590389335,"filings":[{"Organization":{"value":null,"Person":["MICHAEL WELTE","ROBERT DELANCY","RHONDA DIFFENBACH","THOMAS MCGOVERN","LUIS RODRIGUEZ","SCOTT JOHNSON","TARYN GUARIGLIA","RAE FRANKS","ISAAC BROAD","GREGORY MURPHY JR"],"Title":["CEO","BOARD VICE CHAIRPERSON","BOARD CHAIRPERSON","BOARD MEMBER","BOARD MEMBER","BOARD SECRETARY BOARD TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[292248,0,0,0,0,0,0,0,0,0],"Direct compensation":[292248,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Programs of credit unions offering personal financial services to members.","year":2024,"name":"STATE CHARTERED CREDIT UNIONS IN FLORIDA","phone":5616410100,"website":"www.firstchoicecu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1929,"state_legal_domicile":"FL","total_volunteers":12,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"1055 S CONGRESS AVE, WEST PALM BCH, FL, 334065195, USA","city":"WEST PALM BCH","state":"FL","country":"USA","zip_code":334065195},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":35,"Total Gross UBI":37631,"Net unrelated business taxable income":13227,"Number of employees":35,"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":6708335,"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":4548170,"Total revenue":{"value":4519196,"VARIOUS":4519196},"Total other revenue":28974,"Unrelated business revenue":0},"Investment income":{"value":2160165,"Investment income total":2160165,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":5906251,"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":1858510,"Current officers":292248,"Disqualified persons":0,"Other salaries and wages":1229927,"Pension plan contributions":32500,"Other employee benefits":187746,"Payroll taxes":116089},"Other expenses":{"value":4047741,"Management services":0,"Legal":20557,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":435868,"Advertising":42094,"Office expenses":1029916,"Information technology":196447,"Royalties":0,"Occupancy":147879,"Travel":3111,"Conferences and meetings":25602,"Interest":1615164,"Payments to affiliates":0,"Depreciation and depletion":143241,"Insurance":21914,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":358755,"VARIOUS":358755},"All other expenses":7193},"Functional Expenses":{"value":null,"Program Service Expenses":5906251,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":145073459,"Non-interest bearing cash":550755,"Savings and temp cash investments":13269906,"Pledges and grants receivable":0,"Accounts receivable":1178353,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":75336536,"Inventories for sale or use":0,"Prepaid expenses deferred charges":67603,"Land, building, equipment":1795440,"Investments publicly traded":49967082,"Investments other":0,"Investments program related":2287798,"Intangible assets":0,"Other assets":619986},"Liabilities":{"value":134683531,"Sum of Total Liabilities":0,"Accounts payable, accrued":695745,"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":133987786},"Fund balance":{"value":10389928,"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":0.11956528706452495,"percentile":0.655081165896526},"Liabilities to Assets Ratio":{"score":0.9283816070036629,"percentile":0.06022166942790705},"Operating Reserve Ratio":{"score":24.56269789414639,"percentile":0.9579043861689536},"Officer Compensation Ratio":{"score":0.04948113447938464,"percentile":0.7593564396812381},"Program Expense Growth":{"score":0.008728730665011765,"percentile":0.35767193001548414},"Revenue Growth":{"score":0.02834682113085764,"percentile":0.5065636836474982},"Asset Growth":{"score":0.046907718343467346,"percentile":0.5147720929554476},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7318065762359526,"percentile":0.895612996044503}},"source_xml":"202511329349306426_public.xml"},{"Organization":{"value":null,"Person":["ANN VITUNIC","DELORES GRAY","ANTHONY MARASCIULLO","RHONDA DIFFENBACH","ROBERT DELANCY","CARLOS MEGIAS","THOMAS MCGOVERN","MICHAEL WELTE"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/TREASURER"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,181159],"Direct compensation":[0,0,0,0,0,0,0,181159],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union programs","year":2016,"name":"STATE CHARTERED CREDIT UNIONS IN FL","phone":5616410100,"website":"WWW.FIRSTCHOICECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1929,"state_legal_domicile":"FL","total_volunteers":10,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"1055 S CONGRESS AVENUE, WEST PALM BEACH, FL, 33406, USA","city":"WEST PALM BEACH","state":"FL","country":"USA","zip_code":33406},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":40,"Total Gross UBI":62859,"Net unrelated business taxable income":null,"Number of employees":40,"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":4314031,"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":3496712,"Total revenue":{"value":3445909,"INTEREST FROM LOANS":1950590,"FEE INCOME":863615,"INSURANCE RELATED INCOME":119184,"ATM / DEBIT / CREDIT CARD INTERCHANGE":512520},"Total other revenue":50803,"Unrelated business revenue":0},"Investment income":{"value":817319,"Investment income total":762072,"Net investment gain":55247,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3754657,"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":1578901,"Current officers":181159,"Disqualified persons":0,"Other salaries and wages":1106952,"Pension plan contributions":33091,"Other employee benefits":146776,"Payroll taxes":110923},"Other expenses":{"value":2175756,"Management services":0,"Legal":30775,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":44865,"Advertising":44301,"Office expenses":1192956,"Information technology":201761,"Royalties":0,"Occupancy":140223,"Travel":11626,"Conferences and meetings":6457,"Interest":366217,"Payments to affiliates":0,"Depreciation and depletion":71901,"Insurance":14243,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":48127,"ASSOCIATION REGULATOR FEES":46677,"OREO EXPENSES":1450},"All other expenses":2304},"Functional Expenses":{"value":null,"Program Service Expenses":3754657,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":104008527,"Non-interest bearing cash":817079,"Savings and temp cash investments":7500961,"Pledges and grants receivable":0,"Accounts receivable":1322960,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":42647580,"Inventories for sale or use":0,"Prepaid expenses deferred charges":41101,"Land, building, equipment":1575380,"Investments publicly traded":47668365,"Investments other":0,"Investments program related":2074249,"Intangible assets":0,"Other assets":360852},"Liabilities":{"value":94580825,"Sum of Total Liabilities":0,"Accounts payable, accrued":876016,"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":3416898,"Unsecured notes loans payable":0,"Other liabilities":90287911},"Fund balance":{"value":9427702,"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":0.1296638804867188,"percentile":0.6703530025094366},"Liabilities to Assets Ratio":{"score":0.9093564511302039,"percentile":0.06310868143807366},"Operating Reserve Ratio":{"score":27.701205995647538,"percentile":0.963769681417242},"Officer Compensation Ratio":{"score":0.0482491476584945,"percentile":0.7654471423610789},"Program Expense Growth":{"score":-0.03420349545983186,"percentile":0.22690383298728964},"Revenue Growth":{"score":-0.020055599299090968,"percentile":0.29623744103547434},"Asset Growth":{"score":0.03615406886020063,"percentile":0.47152328946708094},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6391515946592478,"percentile":0.7142426890100219}},"source_xml":"201741019349300319_public.xml"},{"Organization":{"value":null,"Person":["MICHAEL J WELTE","ANTHONY MARASCIULLO","ROBERT DELANCY","TARYN GUARIGLIA","CARLOS MEGIAS","RHONDA DIFFENBACH","THOMAS MCGOVERN","LUIS RODRIGUEZ","SCOTT JOHNSON"],"Title":["CEO","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[238887,0,0,0,0,0,0,0,0],"Direct compensation":[238887,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union programs","year":2021,"name":"STATE CHARTERED CREDIT UNIONS IN FLORIDA FIRST CHOICE CREDIT UNION","phone":5616410100,"website":"WWW.FIRSTCHOICECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MICHAEL WELTE","year_formation":1929,"state_legal_domicile":"FL","total_volunteers":11,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"1055 S CONGRESS AVENUE, WEST PALM BEACH, FL, 33406, USA","city":"WEST PALM BEACH","state":"FL","country":"USA","zip_code":33406},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":35,"Total Gross UBI":44430,"Net unrelated business taxable income":1009,"Number of employees":35,"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":3866461,"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":2947973,"Total revenue":{"value":2918670,"LOAN INCOME":1815707,"FEE INCOME":562140,"INSURNCE RELATED":77703,"CARD INCOME":448720,"MORTGAGE INCOME":14400},"Total other revenue":29303,"Unrelated business revenue":0},"Investment income":{"value":902336,"Investment income total":902336,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":16152,"Other total":16152,"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":3496222,"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":1658690,"Current officers":238887,"Disqualified persons":0,"Other salaries and wages":1142139,"Pension plan contributions":37933,"Other employee benefits":136743,"Payroll taxes":102988},"Other expenses":{"value":1837532,"Management services":0,"Legal":44996,"Accounting":348296,"Lobbying services":0,"Investment management fees":0,"Other services":77513,"Advertising":36864,"Office expenses":948700,"Information technology":0,"Royalties":0,"Occupancy":129321,"Travel":20284,"Conferences and meetings":0,"Interest":228780,"Payments to affiliates":0,"Depreciation and depletion":84701,"Insurance":34441,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":-122501,"REGULATORY":37241,"ASSOCIATION DUES":20258,"PROVISION FOR LOAN LOSS":-180000},"All other expenses":6137},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":152179877,"Non-interest bearing cash":701578,"Savings and temp cash investments":9830389,"Pledges and grants receivable":0,"Accounts receivable":713666,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":52856577,"Inventories for sale or use":0,"Prepaid expenses deferred charges":179074,"Land, building, equipment":1791407,"Investments publicly traded":83266179,"Investments other":0,"Investments program related":2259453,"Intangible assets":0,"Other assets":581554},"Liabilities":{"value":139893084,"Sum of Total Liabilities":0,"Accounts payable, accrued":666047,"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":139227037},"Fund balance":{"value":12286793,"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":0.09575655877558314,"percentile":0.6158102048248928},"Liabilities to Assets Ratio":{"score":0.9192613817134312,"percentile":0.0615060149156142},"Operating Reserve Ratio":{"score":43.526949089617304,"percentile":0.9781953612371543},"Officer Compensation Ratio":{"score":0.06832718288483969,"percentile":0.6722580727084653},"Program Expense Growth":{"score":-0.18199263313731415,"percentile":0.09517172650237661},"Revenue Growth":{"score":-0.005739253360627731,"percentile":0.3459343628835581},"Asset Growth":{"score":0.05412843103009543,"percentile":0.5423728148295389},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.524827953294344,"percentile":0.38631580820909117}},"source_xml":"202221119349300842_public.xml"},{"Organization":{"value":null,"Person":["MICHAEL J WELTE","ANTHONY MARASCIULLO","ROBERT DELANCY","TARYN GUARIGLIA","RHONDA DIFFENBACH","THOMAS MCGOVERN","LUIS RODRIGUEZ","SCOTT JOHNSON"],"Title":["CEO","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[254497,0,0,0,0,0,0,0],"Direct compensation":[254497,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Programs of credit unions offering personal financial services to members","year":2022,"name":"STATE CHARTERED CREDIT UNIONS IN FLORIDA FIRST CHOICE CREDIT UNION","phone":5616410100,"website":"WWW.FIRSTCHOICECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MICHAEL WELTE","year_formation":1929,"state_legal_domicile":"FL","total_volunteers":9,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"1055 S CONGRESS AVENUE, WEST PALM BEACH, FL, 33406, USA","city":"WEST PALM BEACH","state":"FL","country":"USA","zip_code":33406},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":30,"Total Gross UBI":40197,"Net unrelated business taxable income":7123,"Number of employees":30,"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":4442723,"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":3220772,"Total revenue":{"value":3193633,"LOAN INCOME":2067508,"FEE INCOME":621220,"INSURANCE RELATED":70987,"CARD INCOME":420718,"MORTGAGE INCOME":13200},"Total other revenue":27139,"Unrelated business revenue":0},"Investment income":{"value":1217525,"Investment income total":1204652,"Net investment gain":12873,"Income from invest bond proceeds":0},"Other revenues":{"value":4426,"Other total":4426,"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":3171142,"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":1727824,"Current officers":254497,"Disqualified persons":0,"Other salaries and wages":1196368,"Pension plan contributions":37145,"Other employee benefits":132888,"Payroll taxes":106926},"Other expenses":{"value":1443318,"Management services":0,"Legal":37781,"Accounting":155461,"Lobbying services":0,"Investment management fees":0,"Other services":423133,"Advertising":23606,"Office expenses":441878,"Information technology":0,"Royalties":0,"Occupancy":101456,"Travel":18214,"Conferences and meetings":496,"Interest":369909,"Payments to affiliates":0,"Depreciation and depletion":115468,"Insurance":46868,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":-296705,"REGULATORY":40689,"ASSOCIATION DUES":22606,"PROVISION FOR LOAN LOSS":-360000},"All other expenses":5753},"Functional Expenses":{"value":null,"Program Service Expenses":3171142,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":148372819,"Non-interest bearing cash":689149,"Savings and temp cash investments":5187435,"Pledges and grants receivable":0,"Accounts receivable":685589,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":66293207,"Inventories for sale or use":0,"Prepaid expenses deferred charges":155648,"Land, building, equipment":1747330,"Investments publicly traded":70530643,"Investments other":0,"Investments program related":2526514,"Intangible assets":0,"Other assets":557304},"Liabilities":{"value":140790306,"Sum of Total Liabilities":0,"Accounts payable, accrued":5883688,"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":134906618},"Fund balance":{"value":7582513,"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":0.2862165838383352,"percentile":0.8266238732959706},"Liabilities to Assets Ratio":{"score":0.9488955386093999,"percentile":0.057810500251543266},"Operating Reserve Ratio":{"score":46.78845002841248,"percentile":0.9796851781606419},"Officer Compensation Ratio":{"score":0.0802540535870043,"percentile":0.6233234206589641},"Program Expense Growth":{"score":-0.11624441551014618,"percentile":0.1289326230226024},"Revenue Growth":{"score":-0.0037115758832169097,"percentile":0.353923497928665},"Asset Growth":{"score":0.055365239793982134,"percentile":0.5469836355954466},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7167217627634797,"percentile":0.8749275805473301}},"source_xml":"202341229349302494_public.xml"},{"Organization":{"value":null,"Person":["ANN VITUNIC","DELORES GRAY","ANTHONY MARASCIULLO","NANCY ROBERTS","ROBERT DELANCY","CARLOS MEGIAS","MICHAEL WELTE"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/TREASURER"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,167887],"Direct compensation":[0,0,0,0,0,0,167887],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union programs","year":2014,"name":"STATE CHARTERED CREDIT UNIONS IN FL","phone":5616410100,"website":"WWW.FIRSTCHOICECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1929,"state_legal_domicile":"FL","total_volunteers":9,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"1055 S CONGRESS AVENUE, WEST PALM BEACH, FL, 33406, USA","city":"WEST PALM BEACH","state":"FL","country":"USA","zip_code":33406},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":34,"Total Gross UBI":67925,"Net unrelated business taxable income":-65444,"Number of employees":34,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"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":4207951,"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":3780753,"Total revenue":{"value":3732012,"INTEREST FROM LOANS":2092036,"FEE INCOME":1007197,"INSURANCE RELATED INCOME":111327,"ATM / DEBIT / CREDIT CARD INTERCHANGE":521452},"Total other revenue":48741,"Unrelated business revenue":0},"Investment income":{"value":427198,"Investment income total":801685,"Net investment gain":-374487,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3753070,"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":1540353,"Current officers":167887,"Disqualified persons":0,"Other salaries and wages":1079703,"Pension plan contributions":29826,"Other employee benefits":148664,"Payroll taxes":114273},"Other expenses":{"value":2212717,"Management services":0,"Legal":58716,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":127548,"Advertising":66072,"Office expenses":1015586,"Information technology":193541,"Royalties":0,"Occupancy":137545,"Travel":6216,"Conferences and meetings":5326,"Interest":420672,"Payments to affiliates":0,"Depreciation and depletion":89388,"Insurance":48993,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":43114,"ASSOCIATION REGULATOR FEES":26470,"OREO EXPENSES":16644},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":3753070,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":94822255,"Non-interest bearing cash":829637,"Savings and temp cash investments":5260614,"Pledges and grants receivable":0,"Accounts receivable":1409166,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":38444267,"Inventories for sale or use":0,"Prepaid expenses deferred charges":95779,"Land, building, equipment":1632784,"Investments publicly traded":43098087,"Investments other":0,"Investments program related":2129262,"Intangible assets":0,"Other assets":1922659},"Liabilities":{"value":86420695,"Sum of Total Liabilities":0,"Accounts payable, accrued":572944,"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":4440794,"Unsecured notes loans payable":0,"Other liabilities":81406957},"Fund balance":{"value":8401560,"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":0.10810035573132862,"percentile":0.6368816871859765},"Liabilities to Assets Ratio":{"score":0.9113967496343554,"percentile":0.06276434574990208},"Operating Reserve Ratio":{"score":25.26525084797246,"percentile":0.959366718678226},"Officer Compensation Ratio":{"score":0.044733245050052356,"percentile":0.7830482035333011},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7476013178763203,"percentile":0.9144053565496882}},"source_xml":"201541269349300244_public.xml"},{"Organization":{"value":null,"Person":["ANN VITUNIC","DELORES GRAY","ANTHONY MARASCIULLO","RHONDA DIFFENBACH","ROBERT DELANCY","CARLOS MEGIAS","THOMAS MCGOVERN","MICHAEL WELTE"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/TREASURER"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,192333],"Direct compensation":[0,0,0,0,0,0,0,192333],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union programs","year":2017,"name":"STATE CHARTERED CREDIT UNIONS IN FL","phone":5616410100,"website":"WWW.FIRSTCHOICECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1929,"state_legal_domicile":"FL","total_volunteers":10,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"1055 S CONGRESS AVENUE, WEST PALM BEACH, FL, 33406, USA","city":"WEST PALM BEACH","state":"FL","country":"USA","zip_code":33406},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":37,"Total Gross UBI":54856,"Net unrelated business taxable income":null,"Number of employees":37,"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":4343634,"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":3521247,"Total revenue":{"value":3479055,"INTEREST FROM LOANS":2010973,"FEE INCOME":858528,"INSURANCE RELATED INCOME":109333,"ATM / DEBIT / CREDIT CARD INTERCHANGE":500221},"Total other revenue":42192,"Unrelated business revenue":0},"Investment income":{"value":822387,"Investment income total":822387,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3966855,"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":1667800,"Current officers":192333,"Disqualified persons":0,"Other salaries and wages":1170041,"Pension plan contributions":33499,"Other employee benefits":165312,"Payroll taxes":106615},"Other expenses":{"value":2299055,"Management services":0,"Legal":40219,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":47116,"Advertising":24067,"Office expenses":1524440,"Information technology":0,"Royalties":0,"Occupancy":137502,"Travel":19725,"Conferences and meetings":2107,"Interest":354854,"Payments to affiliates":0,"Depreciation and depletion":54095,"Insurance":40729,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":51708,"All other expenses":2493},"Functional Expenses":{"value":null,"Program Service Expenses":3966855,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":109203287,"Non-interest bearing cash":705348,"Savings and temp cash investments":8909207,"Pledges and grants receivable":0,"Accounts receivable":1415554,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":45102941,"Inventories for sale or use":0,"Prepaid expenses deferred charges":110329,"Land, building, equipment":1753305,"Investments publicly traded":48680466,"Investments other":0,"Investments program related":2143003,"Intangible assets":0,"Other assets":383134},"Liabilities":{"value":99547341,"Sum of Total Liabilities":0,"Accounts payable, accrued":928050,"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":2904390,"Unsecured notes loans payable":0,"Other liabilities":95714901},"Fund balance":{"value":9655946,"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":0.08674280567837898,"percentile":0.5996310335361249},"Liabilities to Assets Ratio":{"score":0.91157824764011,"percentile":0.06273730689752931},"Operating Reserve Ratio":{"score":27.528933374171732,"percentile":0.9634853389848834},"Officer Compensation Ratio":{"score":0.04848500890503938,"percentile":0.7642945436661527},"Program Expense Growth":{"score":-0.009601001933046879,"percentile":0.289306521588242},"Revenue Growth":{"score":-0.011650058331724129,"percentile":0.32414426021690157},"Asset Growth":{"score":0.03900159179510794,"percentile":0.48324547279697055},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6373296084722652,"percentile":0.7095390493088229}},"source_xml":"201821149349300327_public.xml"},{"Organization":{"value":null,"Person":["MICHAEL WELTE","ROBERT DELANCY","RHONDA DIFFENBACH","PATRICIA ABEL GRINGERI","THOMAS MCGOVERN","CORLETT JAMES","LUIS RODRIGUEZ","SCOTT JOHNSON","TARYN GUARIGLIA","RAE FRANKS"],"Title":["CEO","BOARD CHAIRPERSON","BOARD VICE CHAIRPERSON","SUPERVISORY COMMITTE CHAIRPERSON","BOARD MEMBER","SUPERVISORY COMMITTEE MEMBER","BOARD MEMBER","BOARD SECRETARY BOARD TREASURER","BOARD MEMBER","BOARD MEMBER"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[264337,0,0,0,0,0,0,0,0,0],"Direct compensation":[264337,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Programs of credit unions offering personal financial services to members.","year":2023,"name":"STATE CHARTERED CREDIT UNIONS IN FLORIDA","phone":5616410100,"website":"WWW.FIRSTCHOICECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1929,"state_legal_domicile":"FL","total_volunteers":9,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"1055 S CONGRESS AVE, WEST PALM BCH, FL, 334065195, USA","city":"WEST PALM BCH","state":"FL","country":"USA","zip_code":334065195},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":38,"Total Gross UBI":41075,"Net unrelated business taxable income":7517,"Number of employees":38,"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":6176651,"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":4068946,"Total revenue":{"value":4032051,"LOAN FEE":2639611,"FEE INCOME":609760,"INSURANCE RELATED":61828,"CARD INCOME":525564,"MORTGAGE INCOME":195288},"Total other revenue":36895,"Unrelated business revenue":0},"Investment income":{"value":2107705,"Investment income total":2107705,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":5009381,"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":1834007,"Current officers":264337,"Disqualified persons":0,"Other salaries and wages":1288404,"Pension plan contributions":32812,"Other employee benefits":132649,"Payroll taxes":115805},"Other expenses":{"value":3175374,"Management services":0,"Legal":15071,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":383680,"Advertising":32384,"Office expenses":1087701,"Information technology":186388,"Royalties":0,"Occupancy":146141,"Travel":593,"Conferences and meetings":22627,"Interest":997520,"Payments to affiliates":0,"Depreciation and depletion":98325,"Insurance":18687,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":177899,"VARIOUS":177899},"All other expenses":8358},"Functional Expenses":{"value":null,"Program Service Expenses":5009381,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":141168447,"Non-interest bearing cash":682821,"Savings and temp cash investments":4533532,"Pledges and grants receivable":0,"Accounts receivable":489978,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":67197040,"Inventories for sale or use":0,"Prepaid expenses deferred charges":117951,"Land, building, equipment":1783386,"Investments publicly traded":63377874,"Investments other":0,"Investments program related":2329345,"Intangible assets":0,"Other assets":656520},"Liabilities":{"value":132691101,"Sum of Total Liabilities":0,"Accounts payable, accrued":691539,"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":131999562},"Fund balance":{"value":8477346,"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":0.18898105138205154,"percentile":0.7449458177313005},"Liabilities to Assets Ratio":{"score":0.9399487195605403,"percentile":0.058823228176778375},"Operating Reserve Ratio":{"score":28.180816551985167,"percentile":0.9645188337958865},"Officer Compensation Ratio":{"score":0.05276839593554573,"percentile":0.7433519230571997},"Program Expense Growth":{"score":-0.041969965190118086,"percentile":0.21198353728917113},"Revenue Growth":{"score":0.014892418345238977,"percentile":0.4388312950344233},"Asset Growth":{"score":0.05059970924204247,"percentile":0.5290693941702247},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7247706950824703,"percentile":0.8862987095188508}},"source_xml":"202401319349300605_public.xml"},{"Organization":{"value":null,"Person":["MICHAEL J WELTE","ANTHONY MARASCIULLO","ANN VITUNAC","ROBERT DELANCY","DELORES GRAY","CARLOS MEGIAS","RHONDA DIFFENBACH","THOMAS MCGOVERN","LUIS RODRIGUEZ"],"Title":["CEO","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[198077,0,0,0,0,0,0,0,0],"Direct compensation":[198077,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union programs","year":2018,"name":"STATE CHARTERED CREDIT UNIONS IN FL FIRST CHOICE CREDIT UNION","phone":5616410100,"website":"WWW.FIRSTCHOICECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MICHAEL WELTE","year_formation":1929,"state_legal_domicile":"FL","total_volunteers":11,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"1055 S CONGRESS AVENUE, WEST PALM BEACH, FL, 33406, USA","city":"WEST PALM BEACH","state":"FL","country":"USA","zip_code":33406},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":44,"Total Gross UBI":18655,"Net unrelated business taxable income":null,"Number of employees":44,"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":4805109,"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":3612947,"Total revenue":{"value":3566224,"LOAN INTEREST INCOME":2053825,"FEE INCOME":918798,"INSURANCE RELATED INCO":100313,"CREDITDEBIT CARD INC":493288},"Total other revenue":46723,"Unrelated business revenue":0},"Investment income":{"value":1117959,"Investment income total":1096139,"Net investment gain":21820,"Income from invest bond proceeds":0},"Other revenues":{"value":74203,"Other total":74203,"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":4010479,"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":1589054,"Current officers":198077,"Disqualified persons":0,"Other salaries and wages":1117952,"Pension plan contributions":30701,"Other employee benefits":139217,"Payroll taxes":103107},"Other expenses":{"value":2421425,"Management services":0,"Legal":42510,"Accounting":407558,"Lobbying services":0,"Investment management fees":0,"Other services":91643,"Advertising":22114,"Office expenses":1025020,"Information technology":0,"Royalties":0,"Occupancy":102791,"Travel":303,"Conferences and meetings":9616,"Interest":550364,"Payments to affiliates":0,"Depreciation and depletion":66672,"Insurance":45061,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":51361,"REGULATOR ASSESSMENT":29941,"ASSOCIATION DUES":21420},"All other expenses":6412},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":109584098,"Non-interest bearing cash":760744,"Savings and temp cash investments":7468461,"Pledges and grants receivable":0,"Accounts receivable":1603035,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":45966883,"Inventories for sale or use":0,"Prepaid expenses deferred charges":72744,"Land, building, equipment":1746643,"Investments publicly traded":49591669,"Investments other":0,"Investments program related":1995784,"Intangible assets":0,"Other assets":378135},"Liabilities":{"value":99522683,"Sum of Total Liabilities":0,"Accounts payable, accrued":842898,"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":98679785},"Fund balance":{"value":10061415,"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":0.16537189895171994,"percentile":0.7180447304582183},"Liabilities to Assets Ratio":{"score":0.9081854467607152,"percentile":0.06330573731672984},"Operating Reserve Ratio":{"score":27.32444129491764,"percentile":0.9631518883712433},"Officer Compensation Ratio":{"score":0.04938986091187611,"percentile":0.7598145488235435},"Program Expense Growth":{"score":-0.17801211561123217,"percentile":0.09680411584908667},"Revenue Growth":{"score":0.007382913741128232,"percentile":0.4027586817031282},"Asset Growth":{"score":0.034492495501828306,"percentile":0.4646656538150014},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4877753371376347,"percentile":0.2923506059435847}},"source_xml":"201902039349300615_public.xml"},{"Organization":{"value":null,"Person":["ANN VITUNIC","DELORES GRAY","ANTHONY MARASCIULLO","NANCY ROBERTS","ROBERT DELANCY","CARLOS MEGIAS","MICHAEL WELTE"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/TREASURER"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,167887],"Direct compensation":[0,0,0,0,0,0,167887],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union programs","year":2015,"name":"STATE CHARTERED CREDIT UNIONS IN FL","phone":5616410100,"website":"WWW.FIRSTCHOICECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1929,"state_legal_domicile":"FL","total_volunteers":12,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"1055 S CONGRESS AVENUE, WEST PALM BEACH, FL, 33406, USA","city":"WEST PALM BEACH","state":"FL","country":"USA","zip_code":33406},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":32,"Total Gross UBI":58998,"Net unrelated business taxable income":null,"Number of employees":32,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"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":4341659,"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":3661960,"Total revenue":{"value":3613542,"INTEREST FROM LOANS":2028699,"FEE INCOME":942278,"INSURANCE RELATED INCOME":110836,"ATM / DEBIT / CREDIT CARD INTERCHANGE":531729},"Total other revenue":48418,"Unrelated business revenue":0},"Investment income":{"value":678651,"Investment income total":683528,"Net investment gain":-4877,"Income from invest bond proceeds":0},"Other revenues":{"value":1048,"Other total":1048,"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":3638755,"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":1498824,"Current officers":167887,"Disqualified persons":0,"Other salaries and wages":1062271,"Pension plan contributions":24761,"Other employee benefits":133200,"Payroll taxes":110705},"Other expenses":{"value":2139931,"Management services":0,"Legal":34866,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":31897,"Advertising":38060,"Office expenses":1145220,"Information technology":192847,"Royalties":0,"Occupancy":107187,"Travel":15236,"Conferences and meetings":11996,"Interest":388821,"Payments to affiliates":0,"Depreciation and depletion":80236,"Insurance":46917,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":44496,"ASSOCIATION REGULATOR FEES":36642,"OREO EXPENSES":7854},"All other expenses":2152},"Functional Expenses":{"value":null,"Program Service Expenses":3638755,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":100922462,"Non-interest bearing cash":836555,"Savings and temp cash investments":12698008,"Pledges and grants receivable":0,"Accounts receivable":1316598,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":39947061,"Inventories for sale or use":0,"Prepaid expenses deferred charges":94047,"Land, building, equipment":1606009,"Investments publicly traded":41871872,"Investments other":0,"Investments program related":2037013,"Intangible assets":0,"Other assets":515299},"Liabilities":{"value":92002273,"Sum of Total Liabilities":0,"Accounts payable, accrued":648756,"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":3928925,"Unsecured notes loans payable":0,"Other liabilities":87424592},"Fund balance":{"value":8920189,"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":0.16189756035653652,"percentile":0.7138045916596542},"Liabilities to Assets Ratio":{"score":0.9116134424069045,"percentile":0.0627305471844361},"Operating Reserve Ratio":{"score":27.73543753289243,"percentile":0.9638250544282343},"Officer Compensation Ratio":{"score":0.04613858311427947,"percentile":0.7759909784732658},"Program Expense Growth":{"score":-0.06676795057987192,"percentile":0.17462410057917688},"Revenue Growth":{"score":-0.03518715867008844,"percentile":0.2536527979470588},"Asset Growth":{"score":0.03491801203032858,"percentile":0.46639211826085203},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6370821378457074,"percentile":0.7089208966593159}},"source_xml":"201631239349300043_public.xml"},{"Organization":{"value":null,"Person":["ANN VITUNIC","MARILYN RODRIGUEZ","ANTHONY MARASCIULLO","NANCY ROBERTS","ROBERT DELANCY","MICHAEL WELTE"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/TREASURER"],"Hours":[2.0,2.0,2.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,165865],"Direct compensation":[0,0,0,0,0,165865],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union programs","year":2013,"name":"STATE CHARTERED CREDIT UNIONS IN FL","phone":5616410100,"website":"WWW.FIRSTCHOICECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1929,"state_legal_domicile":"FL","total_volunteers":8,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"1055 S CONGRESS AVENUE, WEST PALM BEACH, FL, 33406, USA","city":"WEST PALM BEACH","state":"FL","country":"USA","zip_code":33406},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":5,"Number of employees total":33,"Total Gross UBI":33562,"Net unrelated business taxable income":-27829,"Number of employees":33,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"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":4651328,"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":4166426,"Total revenue":{"value":4051538,"INTEREST FROM LOANS":2380047,"FEE INCOME":1071392,"INSURANCE RELATED INCOME":32578,"ATM / DEBIT / CREDIT CARD INTERCHANGE":567521},"Total other revenue":114888,"Unrelated business revenue":0},"Investment income":{"value":484902,"Investment income total":783445,"Net investment gain":-298543,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":4152621,"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":1447173,"Current officers":165865,"Disqualified persons":0,"Other salaries and wages":1019987,"Pension plan contributions":1927,"Other employee benefits":154393,"Payroll taxes":105001},"Other expenses":{"value":2705448,"Management services":0,"Legal":75649,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":122247,"Advertising":63981,"Office expenses":1046737,"Information technology":198584,"Royalties":0,"Occupancy":150215,"Travel":1966,"Conferences and meetings":1765,"Interest":662325,"Payments to affiliates":0,"Depreciation and depletion":70921,"Insurance":59009,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":251374,"PROVISION FOR LOAN LOSSES":145000,"ASSOCIATION REGULATOR FEES":28956,"NCUA ASSESSMENTS":67203,"OREO EXPENSES":10215},"All other expenses":675},"Functional Expenses":{"value":null,"Program Service Expenses":4152621,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":94173549,"Non-interest bearing cash":536709,"Savings and temp cash investments":2947992,"Pledges and grants receivable":0,"Accounts receivable":858728,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":39009655,"Inventories for sale or use":0,"Prepaid expenses deferred charges":77170,"Land, building, equipment":3357550,"Investments publicly traded":44929352,"Investments other":0,"Investments program related":2175455,"Intangible assets":0,"Other assets":280938},"Liabilities":{"value":86678334,"Sum of Total Liabilities":0,"Accounts payable, accrued":556825,"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":4955560,"Unsecured notes loans payable":0,"Other liabilities":81165949},"Fund balance":{"value":7495215,"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":0.10721819660965642,"percentile":0.6354338647382476},"Liabilities to Assets Ratio":{"score":0.920410613387842,"percentile":0.06132739461812128},"Operating Reserve Ratio":{"score":22.678098723673553,"percentile":0.9535377998605166},"Officer Compensation Ratio":{"score":0.03994224370584265,"percentile":0.8076674186233576},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8333333333333334,"percentile":0.20587825144360158},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7474301009340346,"percentile":0.9142215706276899}},"source_xml":"201411329349302776_public.xml"},{"Organization":{"value":null,"Person":["MICHAEL J WELTE","ANTHONY MARASCIULLO","ROBERT DELANCY","TARYN GUARIGLIA","CARLOS MEGIAS","RHONDA DIFFENBACH","THOMAS MCGOVERN","LUIS RODRIGUEZ","SCOTT JOHNSON"],"Title":["CEO","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[50.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[671191,0,0,0,0,0,0,0,0],"Direct compensation":[671191,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union programs","year":2020,"name":"STATE CHARTERED CREDIT UNIONS IN FLORIDA FIRST CHOICE CREDIT UNION","phone":5616410100,"website":"WWW.FIRSTCHOICECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MICHAEL WELTE","year_formation":1929,"state_legal_domicile":"FL","total_volunteers":11,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"1055 S CONGRESS AVENUE, WEST PALM BEACH, FL, 33406, USA","city":"WEST PALM BEACH","state":"FL","country":"USA","zip_code":33406},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":31,"Total Gross UBI":57829,"Net unrelated business taxable income":5458,"Number of employees":31,"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":4197551,"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":3053595,"Total revenue":{"value":3007551,"LOAN INCOME":1922953,"FEES TO MEMBERS":598284,"INSURANCE RELATED":91998,"CREDITDEBIT CARD INC":394316},"Total other revenue":46044,"Unrelated business revenue":0},"Investment income":{"value":1143956,"Investment income total":1094862,"Net investment gain":49094,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3685196,"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":1777021,"Current officers":671191,"Disqualified persons":0,"Other salaries and wages":778332,"Pension plan contributions":41648,"Other employee benefits":169400,"Payroll taxes":116450},"Other expenses":{"value":1908175,"Management services":0,"Legal":29511,"Accounting":396722,"Lobbying services":0,"Investment management fees":0,"Other services":65417,"Advertising":34427,"Office expenses":881802,"Information technology":0,"Royalties":0,"Occupancy":119573,"Travel":0,"Conferences and meetings":410,"Interest":211929,"Payments to affiliates":0,"Depreciation and depletion":79396,"Insurance":26649,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":55174,"REGULATORS":32017,"ASSOCIATION DUES":23157},"All other expenses":7165},"Functional Expenses":{"value":null,"Program Service Expenses":3685196,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":128354047,"Non-interest bearing cash":722508,"Savings and temp cash investments":6757615,"Pledges and grants receivable":0,"Accounts receivable":278155,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":46089949,"Inventories for sale or use":0,"Prepaid expenses deferred charges":182550,"Land, building, equipment":1765638,"Investments publicly traded":69957067,"Investments other":0,"Investments program related":2100460,"Intangible assets":0,"Other assets":500105},"Liabilities":{"value":115200892,"Sum of Total Liabilities":0,"Accounts payable, accrued":465797,"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":114735095},"Fund balance":{"value":13153155,"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":0.12206045858644719,"percentile":0.6589660746097309},"Liabilities to Assets Ratio":{"score":0.8975244232073181,"percentile":0.06507493858903075},"Operating Reserve Ratio":{"score":34.82963918337044,"percentile":0.9723757386183707},"Officer Compensation Ratio":{"score":0.18213169665873946,"percentile":0.34553492544981873},"Program Expense Growth":{"score":-0.13586366112674814,"percentile":0.11689535827304347},"Revenue Growth":{"score":0.004839275106541633,"percentile":0.39128367896645183},"Asset Growth":{"score":0.040528887014437694,"percentile":0.4894610812355071},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.672131335726188,"percentile":0.7938119940012595}},"source_xml":"202132259349302768_public.xml"},{"Organization":{"value":null,"Person":["MICHAEL WELTE","ANTHONY MARASCIULLO","ROBERT DELANCY","DELORES GRAY","CARLOS MEGIAS","RHONDA DIFFENBACH","THOMAS MCGOVERN","LUIS RODRIGUEZ","SCOTT JOHNSON"],"Title":["CEO","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[215817,0,0,0,0,0,0,0,0],"Direct compensation":[215817,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union programs","year":2019,"name":"STATE CHARTERED CREDIT UNIONS IN FLORIDA FIRST CHOICE CREDIT UNION","phone":5616410100,"website":"WWW.FIRSTCHOICECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MICHAEL WELTE","year_formation":1929,"state_legal_domicile":"FL","total_volunteers":11,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"1055 S CONGRESS AVENUE, WEST PALM BEACH, FL, 33406, USA","city":"WEST PALM BEACH","state":"FL","country":"USA","zip_code":33406},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":38,"Total Gross UBI":15123,"Net unrelated business taxable income":2164,"Number of employees":38,"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":4922904,"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":3457138,"Total revenue":{"value":3416498,"LOAN INTEREST":2005107,"FEES TO MEMBERS":866608,"INSURANCE INCOME":97544,"CREDITDEBIT CARD INC":447239},"Total other revenue":40640,"Unrelated business revenue":0},"Investment income":{"value":1465766,"Investment income total":1362294,"Net investment gain":103472,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3811061,"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":1640867,"Current officers":215817,"Disqualified persons":0,"Other salaries and wages":1151117,"Pension plan contributions":29364,"Other employee benefits":140226,"Payroll taxes":104343},"Other expenses":{"value":2170194,"Management services":0,"Legal":43284,"Accounting":458376,"Lobbying services":0,"Investment management fees":0,"Other services":46296,"Advertising":32620,"Office expenses":979720,"Information technology":0,"Royalties":0,"Occupancy":98787,"Travel":19309,"Conferences and meetings":8979,"Interest":296986,"Payments to affiliates":0,"Depreciation and depletion":72991,"Insurance":56622,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":51741,"REGULATORY EXP":29907,"ASSOCIATION DUES":21834},"All other expenses":4483},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":113463375,"Non-interest bearing cash":709940,"Savings and temp cash investments":11972009,"Pledges and grants receivable":0,"Accounts receivable":1595039,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":44734359,"Inventories for sale or use":0,"Prepaid expenses deferred charges":77833,"Land, building, equipment":1749709,"Investments publicly traded":50235642,"Investments other":0,"Investments program related":1972792,"Intangible assets":0,"Other assets":416052},"Liabilities":{"value":101351210,"Sum of Total Liabilities":0,"Accounts payable, accrued":1050484,"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":100300726},"Fund balance":{"value":12112165,"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":0.22585104239286405,"percentile":0.7807152251043934},"Liabilities to Assets Ratio":{"score":0.8932504431496067,"percentile":0.06577508099365324},"Operating Reserve Ratio":{"score":29.772122513914105,"percentile":0.9668341936022347},"Officer Compensation Ratio":{"score":0.056629111945466104,"percentile":0.724914251052601},"Program Expense Growth":{"score":-0.25480050096652346,"percentile":0.07245752145885051},"Revenue Growth":{"score":0.015916701871450868,"percentile":0.44398044599284797},"Asset Growth":{"score":0.03293753318480776,"percentile":0.4582330457855119},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5563604361537628,"percentile":0.4761121298108565}},"source_xml":"202001159349300010_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["MICHAEL WELTE","ROBERT DELANCY","RHONDA DIFFENBACH","THOMAS MCGOVERN","LUIS RODRIGUEZ","SCOTT JOHNSON","TARYN GUARIGLIA","RAE FRANKS","ISAAC BROAD","GREGORY MURPHY JR"],"Title":["CEO","BOARD VICE CHAIRPERSON","BOARD CHAIRPERSON","BOARD MEMBER","BOARD MEMBER","BOARD SECRETARY BOARD TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[292248,0,0,0,0,0,0,0,0,0],"Direct compensation":[292248,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Programs of credit unions offering personal financial services to members.","year":2024,"name":"STATE CHARTERED CREDIT UNIONS IN FLORIDA","phone":5616410100,"website":"www.firstchoicecu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1929,"state_legal_domicile":"FL","total_volunteers":12,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"1055 S CONGRESS AVE, WEST PALM BCH, FL, 334065195, USA","city":"WEST PALM BCH","state":"FL","country":"USA","zip_code":334065195},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":35,"Total Gross UBI":37631,"Net unrelated business taxable income":13227,"Number of employees":35,"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":6708335,"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":4548170,"Total revenue":{"value":4519196,"VARIOUS":4519196},"Total other revenue":28974,"Unrelated business revenue":0},"Investment income":{"value":2160165,"Investment income total":2160165,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":5906251,"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":1858510,"Current officers":292248,"Disqualified persons":0,"Other salaries and wages":1229927,"Pension plan contributions":32500,"Other employee benefits":187746,"Payroll taxes":116089},"Other expenses":{"value":4047741,"Management services":0,"Legal":20557,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":435868,"Advertising":42094,"Office expenses":1029916,"Information technology":196447,"Royalties":0,"Occupancy":147879,"Travel":3111,"Conferences and meetings":25602,"Interest":1615164,"Payments to affiliates":0,"Depreciation and depletion":143241,"Insurance":21914,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":358755,"VARIOUS":358755},"All other expenses":7193},"Functional Expenses":{"value":null,"Program Service Expenses":5906251,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":145073459,"Non-interest bearing cash":550755,"Savings and temp cash investments":13269906,"Pledges and grants receivable":0,"Accounts receivable":1178353,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":75336536,"Inventories for sale or use":0,"Prepaid expenses deferred charges":67603,"Land, building, equipment":1795440,"Investments publicly traded":49967082,"Investments other":0,"Investments program related":2287798,"Intangible assets":0,"Other assets":619986},"Liabilities":{"value":134683531,"Sum of Total Liabilities":0,"Accounts payable, accrued":695745,"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":133987786},"Fund balance":{"value":10389928,"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":0.11956528706452495,"percentile":0.655081165896526},"Liabilities to Assets Ratio":{"score":0.9283816070036629,"percentile":0.06022166942790705},"Operating Reserve Ratio":{"score":24.56269789414639,"percentile":0.9579043861689536},"Officer Compensation Ratio":{"score":0.04948113447938464,"percentile":0.7593564396812381},"Program Expense Growth":{"score":0.008728730665011765,"percentile":0.35767193001548414},"Revenue Growth":{"score":0.02834682113085764,"percentile":0.5065636836474982},"Asset Growth":{"score":0.046907718343467346,"percentile":0.5147720929554476},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7318065762359526,"percentile":0.895612996044503}},"source_xml":"202511329349306426_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}