{"success":true,"data":{"_id":590690964,"filings":[{"Organization":{"value":null,"Person":["CHARLES ATKINS","GARY D BLISS","CHARLES CUNNINGHAM","FRANK GILLMORE","JIM MANN","RICHARD MAXWELL","DALLAS SHAW","KELLI GARRETT","RAY CRISP","ROBIN MONTGOMERY"],"Title":["TREASURER","CHAIRPERSON","BOARD MEMBER","BOARD MEMBER","SECRETARY","VICE-CHAIRPERSON","BOARD MEMBER","BOARD MEMBER","PRESIDENT/CEO","VP OF FINANCE"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,129693,125919],"Direct compensation":[0,0,0,0,0,0,0,0,102338,81927],"Other compensation":[0,0,0,0,0,0,0,0,27355,43992]},"Basic":{"value":null,"mission":"To provide residents of bay county with financial and depository services.","year":2016,"name":"BAY CREDIT UNION","phone":8507856103,"website":"www.baycu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ROBERT A LITTLE","year_formation":1952,"state_legal_domicile":"FL","total_volunteers":11,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"601 HIGHWAY 231, PANAMA CITY, FL, 32405, USA","city":"PANAMA CITY","state":"FL","country":"USA","zip_code":32405},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":53,"Total Gross UBI":28425,"Net unrelated business taxable income":-17585,"Number of employees":53,"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":4603734,"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":3411390,"Total revenue":3411390,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":241261,"Investment income total":241261,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":951083,"Other total":951083,"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":4558279,"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":1957237,"Current officers":255612,"Disqualified persons":0,"Other salaries and wages":1275378,"Pension plan contributions":59692,"Other employee benefits":187249,"Payroll taxes":179306},"Other expenses":{"value":2601042,"Management services":0,"Legal":4226,"Accounting":45359,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":27447,"Office expenses":322515,"Information technology":343649,"Royalties":0,"Occupancy":136915,"Travel":7987,"Conferences and meetings":20388,"Interest":270299,"Payments to affiliates":0,"Depreciation and depletion":225660,"Insurance":49622,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":853402,"PROVISION FOR LOAN LOSS":357520,"VISA EXPENSE":201258,"LOSS ON SALE OF REPOS":166234,"COLLECTION EXPENSE":128390},"All other expenses":293573},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":82379530,"Non-interest bearing cash":2871865,"Savings and temp cash investments":17735641,"Pledges and grants receivable":0,"Accounts receivable":3963,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":55466661,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1424175,"Land, building, equipment":3670582,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1206643},"Liabilities":{"value":74795792,"Sum of Total Liabilities":0,"Accounts payable, accrued":383103,"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":74412689},"Fund balance":{"value":7583738,"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":0.009873507027121897,"percentile":0.4246937694518023},"Liabilities to Assets Ratio":{"score":0.9079414752669747,"percentile":0.06334465687696339},"Operating Reserve Ratio":{"score":18.072507189665224,"percentile":0.939352406573706},"Officer Compensation Ratio":{"score":0.05607642709013643,"percentile":0.7275452040905532},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.01554953481239137,"percentile":0.4421354642172924},"Asset Growth":{"score":0.047644314033443845,"percentile":0.5176387865181014},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5519175595422932,"percentile":0.46302093259656313}},"source_xml":"201733199349301043_public.xml"},{"Organization":{"value":null,"Person":["THOMAS JAMES","RICHARD MAXWELL","RAY GEIGER","LANCE RODAN","KELLI GARRETT","JIM MANN","GARY D BLISS","FORREST WATSON","ERIC SESPICO","CHARLES ATKINS","AMY TOPOL","STEFANIA JONES","MICHAEL AKERS"],"Title":["VICE-CHAIRPERSON","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","SECRETARY","CHAIRPERSON","BOARD MEMBER","TREASURER","BOARD MEMBER","BOARD MEMBER","VP/CFO","PRESIDENT/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,191594,244320],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,174234,214227],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,17360,30093]},"Basic":{"value":null,"mission":"To provide residents of bay county with financial and depository services.","year":2024,"name":"HELLO CREDIT UNION","phone":8507856103,"website":"WWW.HELLO.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MIKE AKERS","year_formation":1952,"state_legal_domicile":"FL","total_volunteers":11,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"601 HIGHWAY 231, PANAMA CITY, FL, 32405, USA","city":"PANAMA CITY","state":"FL","country":"USA","zip_code":32405},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":62,"Total Gross UBI":8088,"Net unrelated business taxable income":0,"Number of employees":62,"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":9964143,"Contributions":{"value":799700,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":799700,"Related organizations":0},"Program revenue":{"value":6504599,"Total revenue":6504599,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":763377,"Investment income total":763377,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1896467,"Other total":1896467,"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":9299864,"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":2665256,"Current officers":435912,"Disqualified persons":0,"Other salaries and wages":1952689,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":276655},"Other expenses":{"value":6634608,"Management services":236708,"Legal":96460,"Accounting":99933,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":263156,"Office expenses":517001,"Information technology":750788,"Royalties":0,"Occupancy":177075,"Travel":8928,"Conferences and meetings":36009,"Interest":1320602,"Payments to affiliates":0,"Depreciation and depletion":712181,"Insurance":82418,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2029246,"PROVISION FOR LOAN LOSS":1433899,"ATM EXPENSE":276477,"VISA/MASTERCARD EXPENSE":253886,"LOAN SERVICING":64984},"All other expenses":304103},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":163318016,"Non-interest bearing cash":7391794,"Savings and temp cash investments":30025589,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":107503939,"Inventories for sale or use":0,"Prepaid expenses deferred charges":6188841,"Land, building, equipment":5697577,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":274407,"Other assets":6235869},"Liabilities":{"value":142348271,"Sum of Total Liabilities":0,"Accounts payable, accrued":4252857,"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":138095414},"Fund balance":{"value":20969745,"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":0.06666694767427565,"percentile":0.5605559279504528},"Liabilities to Assets Ratio":{"score":0.871601764988377,"percentile":0.06912830836745965},"Operating Reserve Ratio":{"score":17.561333800150194,"percentile":0.9373917169655024},"Officer Compensation Ratio":{"score":0.046873158575222174,"percentile":0.7722626147287461},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07760320890951325,"percentile":0.7054499193835353},"Asset Growth":{"score":0.08794289538900255,"percentile":0.6514837977844173},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6151222462640895,"percentile":0.6491230771722886}},"source_xml":"202513079349303431_public.xml"},{"Organization":{"value":null,"Person":["CHARLES ATKINS","GARY D BLISS","CHARLES CUNNINGHAM","FRANK GILLMORE","JIM MANN","RICHARD MAXWELL","DALLAS SHAW","EARL C MIRUS JR","RAY CRISP","ROBIN MONTGOMERY"],"Title":["TREASURER","CHAIRPERSON","BOARD MEMBER","BOARD MEMBER","SECRETARY","VICE-CHAIRPERSON","BOARD MEMBER","CHAIRPERSON","PRESIDENT/CEO","VP OF FINANCE"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,122935,104268],"Direct compensation":[0,0,0,0,0,0,0,0,101580,65305],"Other compensation":[0,0,0,0,0,0,0,0,21355,38963]},"Basic":{"value":null,"mission":"To provide residents of bay county with financial and depository services.","year":2014,"name":"BAY CREDIT UNION","phone":8507856103,"website":"WWW.BAYCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RAY CRISP","year_formation":1952,"state_legal_domicile":"FL","total_volunteers":12,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"601 HIGHWAY 231, PANAMA CITY, FL, 32405, USA","city":"PANAMA CITY","state":"FL","country":"USA","zip_code":32405},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":45,"Total Gross UBI":20698,"Net unrelated business taxable income":-12237,"Number of employees":45,"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":4850572,"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":3782047,"Total revenue":3782047,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":168016,"Investment income total":168016,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":900509,"Other total":900509,"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":4426526,"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":1830062,"Current officers":227203,"Disqualified persons":0,"Other salaries and wages":1186646,"Pension plan contributions":82172,"Other employee benefits":165463,"Payroll taxes":168578},"Other expenses":{"value":2596464,"Management services":0,"Legal":9073,"Accounting":44152,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":40355,"Office expenses":309528,"Information technology":354140,"Royalties":0,"Occupancy":121631,"Travel":6606,"Conferences and meetings":30371,"Interest":272992,"Payments to affiliates":0,"Depreciation and depletion":195925,"Insurance":46204,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":894487,"PROVISION FOR LOAN LOSS":499535,"VISA EXPENSE":211439,"COLLECTION EXPENSE":116286,"ATM EXPENSE":67227},"All other expenses":271000},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":75718269,"Non-interest bearing cash":2738371,"Savings and temp cash investments":12271122,"Pledges and grants receivable":0,"Accounts receivable":5482,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":55320348,"Inventories for sale or use":0,"Prepaid expenses deferred charges":76046,"Land, building, equipment":3985082,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1321818},"Liabilities":{"value":68025184,"Sum of Total Liabilities":0,"Accounts payable, accrued":754373,"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":67270811},"Fund balance":{"value":7693085,"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":0.0874218545771509,"percentile":0.6008897260244659},"Liabilities to Assets Ratio":{"score":0.8983985621752658,"percentile":0.06492724909993396},"Operating Reserve Ratio":{"score":17.10557421327696,"percentile":0.9355832020918873},"Officer Compensation Ratio":{"score":0.05132760995868995,"percentile":0.7503212380472829},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.608567366778119,"percentile":0.6303363162381762}},"source_xml":"201523109349301792_public.xml"},{"Organization":{"value":null,"Person":["GARY D BLISS","RICHARD MAXWELL","JIM MANN","CHARLES ATKINS","CHARLES CUNNINGHAM","FRANK GILLMORE","DALLAS SHAW","KELLI GARRETT","ROBERT LITTLE","STEFANIA JONES"],"Title":["CHAIRPERSON","VICE-CHAIRPERSON","SECRETARY","TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","PRESIDENT/CEO","VP/CFO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,166376,116909],"Direct compensation":[0,0,0,0,0,0,0,0,157358,104948],"Other compensation":[0,0,0,0,0,0,0,0,9018,11961]},"Basic":{"value":null,"mission":"To provide residents of bay county with financial and depository services.","year":2019,"name":"BAY CREDIT UNION","phone":8507856103,"website":"WWW.BAYCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MIKE AKERS","year_formation":1952,"state_legal_domicile":"FL","total_volunteers":7,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"601 HIGHWAY 231, PANAMA CITY, FL, 32405, USA","city":"PANAMA CITY","state":"FL","country":"USA","zip_code":32405},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":34,"Total Gross UBI":9882,"Net unrelated business taxable income":-15322,"Number of employees":34,"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":5724439,"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":2625186,"Total revenue":2625186,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2292034,"Investment income total":1095731,"Net investment gain":1196303,"Income from invest bond proceeds":0},"Other revenues":{"value":807219,"Other total":807219,"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":3579920,"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":1567291,"Current officers":283284,"Disqualified persons":0,"Other salaries and wages":968944,"Pension plan contributions":0,"Other employee benefits":173313,"Payroll taxes":141750},"Other expenses":{"value":2012629,"Management services":0,"Legal":9238,"Accounting":47294,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":16380,"Office expenses":336009,"Information technology":393842,"Royalties":0,"Occupancy":93687,"Travel":5090,"Conferences and meetings":41083,"Interest":259881,"Payments to affiliates":0,"Depreciation and depletion":153330,"Insurance":54442,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":418206,"VISA EXPENSE":166659,"ATM EXPENSE":112359,"PROVISION FOR LOAN LOSS":101000,"STATEMENT PROCESSING EX":38188},"All other expenses":184147},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":101786940,"Non-interest bearing cash":25402280,"Savings and temp cash investments":20555920,"Pledges and grants receivable":0,"Accounts receivable":2185,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":50016597,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1219551,"Land, building, equipment":3154530,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1435877},"Liabilities":{"value":91954158,"Sum of Total Liabilities":0,"Accounts payable, accrued":452316,"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":91501842},"Fund balance":{"value":9832782,"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":0.37462518161168284,"percentile":0.8741855743976731},"Liabilities to Assets Ratio":{"score":0.9033983927604072,"percentile":0.06411034801461081},"Operating Reserve Ratio":{"score":28.432741513776843,"percentile":0.9649040197774611},"Officer Compensation Ratio":{"score":0.07913165657333125,"percentile":0.6277838799304729},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.01739771615128272,"percentile":0.45144968253155016},"Asset Growth":{"score":0.06618392834782717,"percentile":0.5851422006169629},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6367574069435811,"percentile":0.7080793611209382}},"source_xml":"202043179349304274_public.xml"},{"Organization":{"value":null,"Person":["GARY D BLISS","RICHARD MAXWELL","JIM MANN","CHARLES ATKINS","DALLAS SHAW","KELLI GARRETT","THOMAS JAMES","AMY TOPOL","ERIC SESPICO","FORREST WATSON","RAY GEIGER","LANCE RODAN","STEFANIA JONES","MICHAEL AKERS"],"Title":["CHAIRPERSON","BOARD MEMBER","SECRETARY","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","VICE-CHAIRPERSON","BOARD MEMBER","TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","VP/CFO","PRESIDENT/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,157684,228001],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,144072,202826],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,13612,25175]},"Basic":{"value":null,"mission":"To provide residents of bay county with financial and depository services.","year":2023,"name":"HELLO CREDIT UNION","phone":8507856103,"website":"WWW.HELLO.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MIKE AKERS","year_formation":1952,"state_legal_domicile":"FL","total_volunteers":12,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"601 HIGHWAY 231, PANAMA CITY, FL, 32405, USA","city":"PANAMA CITY","state":"FL","country":"USA","zip_code":32405},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":12,"Number of independent voting members":12,"Number of employees total":56,"Total Gross UBI":21671,"Net unrelated business taxable income":0,"Number of employees":56,"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":8646304,"Contributions":{"value":251826,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":251826,"Related organizations":0},"Program revenue":{"value":6054543,"Total revenue":6054543,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":650583,"Investment income total":665296,"Net investment gain":-14713,"Income from invest bond proceeds":0},"Other revenues":{"value":1689352,"Other total":1689352,"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":7946914,"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":2995359,"Current officers":385686,"Disqualified persons":0,"Other salaries and wages":1941345,"Pension plan contributions":14078,"Other employee benefits":379248,"Payroll taxes":275002},"Other expenses":{"value":4951555,"Management services":0,"Legal":49741,"Accounting":80834,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":211445,"Office expenses":535619,"Information technology":533957,"Royalties":0,"Occupancy":180992,"Travel":13669,"Conferences and meetings":45824,"Interest":841585,"Payments to affiliates":0,"Depreciation and depletion":618401,"Insurance":82087,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1401048,"PROVISION FOR LOAN LOSS":761858,"ATM EXPENSE":304084,"VISA/MASTERCARD EXPENSE":263898,"STATEMENT PROCESSING EX":71208},"All other expenses":356353},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":167506584,"Non-interest bearing cash":7503870,"Savings and temp cash investments":32959019,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":109363457,"Inventories for sale or use":0,"Prepaid expenses deferred charges":5607282,"Land, building, equipment":6152697,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":447317,"Other assets":5472942},"Liabilities":{"value":148080088,"Sum of Total Liabilities":0,"Accounts payable, accrued":5054299,"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":143025789},"Fund balance":{"value":19426496,"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":0.08088889773017464,"percentile":0.5886857485480506},"Liabilities to Assets Ratio":{"score":0.8840254780671786,"percentile":0.06723456450241137},"Operating Reserve Ratio":{"score":21.078192616655976,"percentile":0.949257506529064},"Officer Compensation Ratio":{"score":0.04853267570279482,"percentile":0.7640713497663302},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0647408943710631,"percentile":0.6633647372188818},"Asset Growth":{"score":0.09392744284861185,"percentile":0.6676020451790905},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6173067586678469,"percentile":0.6552460081557753}},"source_xml":"202413039349301391_public.xml"},{"Organization":{"value":null,"Person":["GARY D BLISS","RICHARD MAXWELL","JIM MANN","CHARLES ATKINS","FRANK GILLMORE","DALLAS SHAW","KELLI GARRETT","THOMAS JAMES","AMY TOPOL","ERIC SESPICO","FORREST WATSON","RAY GEIGER","LANCE RODAN","CAROL KILGORE","STEFANIA JONES","MICHAEL AKERS"],"Title":["CHAIRPERSON","BOARD MEMBER","SECRETARY","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","VICE-CHAIRPERSON","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","VP/CFO","PRESIDENT/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,145775,219984],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,132701,196962],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,13074,23022]},"Basic":{"value":null,"mission":"To provide residents of bay county with financial and depository services.","year":2022,"name":"HELLO CREDIT UNION","phone":8507856103,"website":"WWW.HELLO.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MIKE AKERS","year_formation":1952,"state_legal_domicile":"FL","total_volunteers":14,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"601 HIGHWAY 231, PANAMA CITY, FL, 32405, USA","city":"PANAMA CITY","state":"FL","country":"USA","zip_code":32405},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":14,"Number of independent voting members":14,"Number of employees total":59,"Total Gross UBI":20647,"Net unrelated business taxable income":0,"Number of employees":59,"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":7848025,"Contributions":{"value":1199439,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":1199439,"Related organizations":0},"Program revenue":{"value":4891201,"Total revenue":4891201,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":515279,"Investment income total":511729,"Net investment gain":3550,"Income from invest bond proceeds":0},"Other revenues":{"value":1242106,"Other total":1242106,"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":6042145,"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":2552712,"Current officers":365759,"Disqualified persons":0,"Other salaries and wages":1682510,"Pension plan contributions":0,"Other employee benefits":248197,"Payroll taxes":256246},"Other expenses":{"value":3489433,"Management services":0,"Legal":52375,"Accounting":60808,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":179617,"Office expenses":534617,"Information technology":468187,"Royalties":0,"Occupancy":140672,"Travel":5248,"Conferences and meetings":19578,"Interest":148569,"Payments to affiliates":0,"Depreciation and depletion":614016,"Insurance":94870,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":791540,"ATM EXPENSE":275695,"VISA/MASTERCARD EXPENSE":274699,"PROVISION FOR LOAN LOSS":173811,"LOAN SERVICING":67335},"All other expenses":379336},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":168547425,"Non-interest bearing cash":2957261,"Savings and temp cash investments":37816896,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":112273599,"Inventories for sale or use":0,"Prepaid expenses deferred charges":3019887,"Land, building, equipment":6395335,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":672479,"Other assets":5411968},"Liabilities":{"value":149754550,"Sum of Total Liabilities":0,"Accounts payable, accrued":2216649,"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":147537901},"Fund balance":{"value":18792875,"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":0.23010630062977627,"percentile":0.7844548216828531},"Liabilities to Assets Ratio":{"score":0.888500966419392,"percentile":0.06652418010825373},"Operating Reserve Ratio":{"score":27.895296289645483,"percentile":0.9640760517992287},"Officer Compensation Ratio":{"score":0.060534628017037,"percentile":0.7068448245632457},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.044813401988753984,"percentile":0.5840657966975666},"Asset Growth":{"score":0.09169574036946138,"percentile":0.6616810963918351},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.643018608758845,"percentile":0.7241335313714969}},"source_xml":"202312939349301111_public.xml"},{"Organization":{"value":null,"Person":["CHARLES ATKINS","GARY D BLISS","CHARLES CUNNINGHAM","FRANK GILLMORE","JIM MANN","RICHARD MAXWELL","DALLAS SHAW","RAY CRISP","ROBIN MONTGOMERY"],"Title":["TREASURER","CHAIRPERSON","BOARD MEMBER","BOARD MEMBER","SECRETARY","VICE-CHAIRPERSON","BOARD MEMBER","PRESIDENT/CEO","VP OF FINANCE"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,129046,97377],"Direct compensation":[0,0,0,0,0,0,0,104977,74080],"Other compensation":[0,0,0,0,0,0,0,24069,23297]},"Basic":{"value":null,"mission":"To provide residents of bay county with financial and depository services.","year":2015,"name":"BAY CREDIT UNION","phone":8507856103,"website":"WWW.BAYCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RAY CRISP","year_formation":1952,"state_legal_domicile":"FL","total_volunteers":12,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"601 HIGHWAY 231, PANAMA CITY, FL, 32405, USA","city":"PANAMA CITY","state":"FL","country":"USA","zip_code":32405},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":49,"Total Gross UBI":26379,"Net unrelated business taxable income":-6996,"Number of employees":49,"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":4936261,"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":3923730,"Total revenue":3923730,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":174430,"Investment income total":174430,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":838101,"Other total":838101,"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":5036828,"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":2056032,"Current officers":226423,"Disqualified persons":0,"Other salaries and wages":1314526,"Pension plan contributions":144018,"Other employee benefits":195519,"Payroll taxes":175546},"Other expenses":{"value":2980796,"Management services":0,"Legal":30746,"Accounting":43318,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":57383,"Office expenses":350420,"Information technology":359920,"Royalties":0,"Occupancy":139093,"Travel":7668,"Conferences and meetings":30909,"Interest":312515,"Payments to affiliates":0,"Depreciation and depletion":228337,"Insurance":45749,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1111154,"PROVISION FOR LOAN LOSS":613688,"COLLECTION EXPENSE":267774,"VISA EXPENSE":121187,"ATM EXPENSE":108505},"All other expenses":263584},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":81641845,"Non-interest bearing cash":6237285,"Savings and temp cash investments":17049050,"Pledges and grants receivable":0,"Accounts receivable":24752,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":52555645,"Inventories for sale or use":0,"Prepaid expenses deferred charges":262929,"Land, building, equipment":3890090,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1622094},"Liabilities":{"value":73966538,"Sum of Total Liabilities":0,"Accounts payable, accrued":378208,"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":73588330},"Fund balance":{"value":7675307,"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":-0.02037311236176531,"percentile":0.33772578153166327},"Liabilities to Assets Ratio":{"score":0.9059880751102575,"percentile":0.06367383442062294},"Operating Reserve Ratio":{"score":16.208980135910934,"percentile":0.9318226875351513},"Officer Compensation Ratio":{"score":0.04495349056985865,"percentile":0.78190244228826},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0579129792168138,"percentile":0.6381803160322197},"Asset Growth":{"score":0.06320864768830937,"percentile":0.5749468645381455},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5617445954089384,"percentile":0.49218669849889496}},"source_xml":"201622669349300922_public.xml"},{"Organization":{"value":null,"Person":["GARY D BLISS","RICHARD MAXWELL","JIM MANN","CHARLES ATKINS","CHARLES CUNNINGHAM","FRANK GILLMORE","DALLAS SHAW","KELLI GARRETT","ROBERT LITTLE","STEFANIA JONES"],"Title":["CHAIRPERSON","VICE-CHAIRPERSON","SECRETARY","TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","PRESIDENT/CEO","VP/CFO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,141153,105724],"Direct compensation":[0,0,0,0,0,0,0,0,135428,98265],"Other compensation":[0,0,0,0,0,0,0,0,5725,7459]},"Basic":{"value":null,"mission":"To provide residents of bay county with financial and depository services.","year":2018,"name":"BAY CREDIT UNION","phone":8507856103,"website":"WWW.BAYCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ROBERT A LITTLE","year_formation":1952,"state_legal_domicile":"FL","total_volunteers":7,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"601 HIGHWAY 231, PANAMA CITY, FL, 32405, USA","city":"PANAMA CITY","state":"FL","country":"USA","zip_code":32405},"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":21120,"Net unrelated business taxable income":-12837,"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":4302755,"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":2640864,"Total revenue":2640864,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":600148,"Investment income total":506448,"Net investment gain":93700,"Income from invest bond proceeds":0},"Other revenues":{"value":1061743,"Other total":1061743,"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":3957885,"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":1619594,"Current officers":246877,"Disqualified persons":0,"Other salaries and wages":1058636,"Pension plan contributions":0,"Other employee benefits":157590,"Payroll taxes":156491},"Other expenses":{"value":2338291,"Management services":0,"Legal":18935,"Accounting":46573,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":17675,"Office expenses":334271,"Information technology":353760,"Royalties":0,"Occupancy":130352,"Travel":4286,"Conferences and meetings":27193,"Interest":242599,"Payments to affiliates":0,"Depreciation and depletion":199752,"Insurance":58350,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":760981,"PROVISION FOR LOAN LOSS":463886,"VISA EXPENSE":166708,"ATM EXPENSE":87169,"STATEMENT PROCESSING EX":43218},"All other expenses":143564},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":110747504,"Non-interest bearing cash":28567596,"Savings and temp cash investments":24435333,"Pledges and grants receivable":0,"Accounts receivable":5075,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":51851952,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1262120,"Land, building, equipment":3266758,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1358670},"Liabilities":{"value":103478529,"Sum of Total Liabilities":0,"Accounts payable, accrued":430185,"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":103048344},"Fund balance":{"value":7268975,"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":0.08015097303936664,"percentile":0.5872870428246886},"Liabilities to Assets Ratio":{"score":0.9343644349763404,"percentile":0.05947318483267867},"Operating Reserve Ratio":{"score":27.981486071475043,"percentile":0.9642106445923708},"Officer Compensation Ratio":{"score":0.06237599121753159,"percentile":0.6984557619434377},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.014511291226065114,"percentile":0.3142913856149095},"Asset Growth":{"score":0.07330444628746431,"percentile":0.6082655536699705},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.574777146125667,"percentile":0.5310353226942817}},"source_xml":"201903179349301605_public.xml"},{"Organization":{"value":null,"Person":["CHARLES ATKINS","GARY D BLISS","CHARLES CUNNINGHAM","FRANK GILLMORE","JIM MANN","RICHARD MAXWELL","DALLAS SHAW","RAY CRISP","ROBIN MONTGOMERY"],"Title":["TREASURER","CHAIRPERSON","BOARD MEMBER","BOARD MEMBER","SECRETARY","VICE-CHAIRPERSON","BOARD MEMBER","PRESIDENT/CEO","VP OF FINANCE"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,127124,96912],"Direct compensation":[0,0,0,0,0,0,0,93943,65628],"Other compensation":[0,0,0,0,0,0,0,33181,31284]},"Basic":{"value":null,"mission":"To provide residents of bay county with financial and depository services.","year":2013,"name":"BAY CREDIT UNION","phone":8507856103,"website":"WWW.BAYCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RAY CRISP","year_formation":1952,"state_legal_domicile":"FL","total_volunteers":12,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"601 HIGHWAY 231, PANAMA CITY, FL, 32405, USA","city":"PANAMA CITY","state":"FL","country":"USA","zip_code":32405},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":42,"Total Gross UBI":17606,"Net unrelated business taxable income":-6461,"Number of employees":42,"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":4388953,"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":3287737,"Total revenue":3287737,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":223043,"Investment income total":223043,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":878173,"Other total":878173,"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":3942888,"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":1822172,"Current officers":224036,"Disqualified persons":0,"Other salaries and wages":1117920,"Pension plan contributions":169270,"Other employee benefits":157835,"Payroll taxes":153111},"Other expenses":{"value":2120716,"Management services":0,"Legal":10694,"Accounting":38999,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":45826,"Office expenses":270555,"Information technology":324465,"Royalties":0,"Occupancy":105427,"Travel":5368,"Conferences and meetings":23240,"Interest":275597,"Payments to affiliates":0,"Depreciation and depletion":183720,"Insurance":49538,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":528044,"VISA EXPENSE":202348,"PROVISION FOR LOAN LOSS":171496,"COLLECTION EXPENSE":104068,"NCUSIF ASSESSMENT FEE":50132},"All other expenses":259243},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":71977754,"Non-interest bearing cash":1122706,"Savings and temp cash investments":13769885,"Pledges and grants receivable":0,"Accounts receivable":7872,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":52592104,"Inventories for sale or use":0,"Prepaid expenses deferred charges":83097,"Land, building, equipment":3386557,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1015533},"Liabilities":{"value":64540518,"Sum of Total Liabilities":0,"Accounts payable, accrued":629112,"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":421707,"Unsecured notes loans payable":0,"Other liabilities":63489699},"Fund balance":{"value":7437236,"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":0.10163357866899007,"percentile":0.6260519589726574},"Liabilities to Assets Ratio":{"score":0.8966731304230471,"percentile":0.06522283291791824},"Operating Reserve Ratio":{"score":18.255084597888654,"percentile":0.9400288060911929},"Officer Compensation Ratio":{"score":0.05682027995722932,"percentile":0.7240082889428179},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6125908695809099,"percentile":0.6418530340575912}},"source_xml":"201413109349300901_public.xml"},{"Organization":{"value":null,"Person":["GARY D BLISS","RICHARD MAXWELL","JIM MANN","CHARLES ATKINS","CHARLES CUNNINGHAM","FRANK GILLMORE","DALLAS SHAW","KELLI GARRETT","RAY CRISP","ROBIN MONTGOMERY","ROBERT LITTLE","STEFANIA JONES"],"Title":["CHAIRPERSON","VICE-CHAIRPERSON","SECRETARY","TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","PRESIDENT/CEO, ENDING OCT 2017","VP OF FINANCE, ENDING OCT 2017","PRESIDENT/CEO, STARTING OCT 2017","VP/CFO, STARTING OCT 2017"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,123379,126224,26578,19385],"Direct compensation":[0,0,0,0,0,0,0,0,104838,79507,26000,19385],"Other compensation":[0,0,0,0,0,0,0,0,18541,46717,578,0]},"Basic":{"value":null,"mission":"To provide residents of bay county with financial and depository services.","year":2017,"name":"BAY CREDIT UNION","phone":8507856103,"website":"WWW.BAYCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ROBERT A LITTLE","year_formation":1952,"state_legal_domicile":"FL","total_volunteers":7,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"601 HIGHWAY 231, PANAMA CITY, FL, 32405, USA","city":"PANAMA CITY","state":"FL","country":"USA","zip_code":32405},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":50,"Total Gross UBI":31743,"Net unrelated business taxable income":-10601,"Number of employees":50,"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":4331558,"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":3031030,"Total revenue":3031030,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":251086,"Investment income total":251086,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1049442,"Other total":1049442,"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":4496849,"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":1886559,"Current officers":295566,"Disqualified persons":0,"Other salaries and wages":1231368,"Pension plan contributions":0,"Other employee benefits":177812,"Payroll taxes":181813},"Other expenses":{"value":2610290,"Management services":0,"Legal":9110,"Accounting":43100,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":37122,"Office expenses":350936,"Information technology":355000,"Royalties":0,"Occupancy":133883,"Travel":6253,"Conferences and meetings":36986,"Interest":238785,"Payments to affiliates":0,"Depreciation and depletion":203245,"Insurance":53160,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":879020,"PROVISION FOR LOAN LOSS":534028,"VISA EXPENSE":191762,"ATM EXPENSE":102755,"COLLECTION EXPENSE":50475},"All other expenses":263690},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":82887206,"Non-interest bearing cash":6009935,"Savings and temp cash investments":17044053,"Pledges and grants receivable":0,"Accounts receivable":2918,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":53654053,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1483767,"Land, building, equipment":3494772,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1197708},"Liabilities":{"value":75437541,"Sum of Total Liabilities":0,"Accounts payable, accrued":398977,"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":75038564},"Fund balance":{"value":7449665,"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":-0.038159710662999315,"percentile":0.30444644942128885},"Liabilities to Assets Ratio":{"score":0.9101228602156043,"percentile":0.06297307749662834},"Operating Reserve Ratio":{"score":18.43228580723969,"percentile":0.9406811567462414},"Officer Compensation Ratio":{"score":0.06572735708937524,"percentile":0.6834695369630099},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.007823693901253764,"percentile":0.3380101801558912},"Asset Growth":{"score":0.03608696491539161,"percentile":0.4712538623263758},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5133646948474899,"percentile":0.3559409349243848}},"source_xml":"201920579349300032_public.xml"},{"Organization":{"value":null,"Person":["GARY D BLISS","RICHARD MAXWELL","JIM MANN","CHARLES ATKINS","FRANK GILLMORE","DALLAS SHAW","KELLI GARRETT","STEFANIA JONES","MICHAEL AKERS"],"Title":["CHAIRPERSON","VICE-CHAIRPERSON","SECRETARY","TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","VP/CFO","PRESIDENT/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,130188,58022],"Direct compensation":[0,0,0,0,0,0,0,117605,55846],"Other compensation":[0,0,0,0,0,0,0,12583,2176]},"Basic":{"value":null,"mission":"To provide residents of bay county with financial and depository services.","year":2020,"name":"BAY CREDIT UNION","phone":8507856103,"website":"WWW.BAYCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MIKE AKERS","year_formation":1952,"state_legal_domicile":"FL","total_volunteers":7,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"601 HIGHWAY 231, PANAMA CITY, FL, 32405, USA","city":"PANAMA CITY","state":"FL","country":"USA","zip_code":32405},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":32,"Total Gross UBI":20139,"Net unrelated business taxable income":0,"Number of employees":32,"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":4008457,"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":2551884,"Total revenue":2551884,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":592203,"Investment income total":522514,"Net investment gain":69689,"Income from invest bond proceeds":0},"Other revenues":{"value":864370,"Other total":864370,"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":3650913,"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":1734763,"Current officers":188211,"Disqualified persons":0,"Other salaries and wages":1197248,"Pension plan contributions":0,"Other employee benefits":188286,"Payroll taxes":161018},"Other expenses":{"value":1916150,"Management services":0,"Legal":8578,"Accounting":47008,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":31233,"Office expenses":333296,"Information technology":415367,"Royalties":0,"Occupancy":91043,"Travel":4549,"Conferences and meetings":24725,"Interest":203002,"Payments to affiliates":0,"Depreciation and depletion":141679,"Insurance":56711,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":391993,"VISA EXPENSE":164415,"ATM EXPENSE":140955,"PROVISION FOR LOAN LOSS":54371,"STATEMENT PROCESSING EX":32252},"All other expenses":166966},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":107126544,"Non-interest bearing cash":11527684,"Savings and temp cash investments":32652142,"Pledges and grants receivable":0,"Accounts receivable":2284,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":54815583,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2518088,"Land, building, equipment":4120964,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1489799},"Liabilities":{"value":96394353,"Sum of Total Liabilities":0,"Accounts payable, accrued":542593,"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":95851760},"Fund balance":{"value":10732191,"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":0.08919741436667526,"percentile":0.6041016744726933},"Liabilities to Assets Ratio":{"score":0.8998176306331697,"percentile":0.06469352689874196},"Operating Reserve Ratio":{"score":29.342398463069376,"percentile":0.9662299406720627},"Officer Compensation Ratio":{"score":0.05155148862763917,"percentile":0.7492296880120456},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.0011968777987987915,"percentile":0.36418988362056537},"Asset Growth":{"score":0.06189634876108689,"percentile":0.5704319273124264},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5841809854762846,"percentile":0.5588703905280855}},"source_xml":"202133129349300538_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["THOMAS JAMES","RICHARD MAXWELL","RAY GEIGER","LANCE RODAN","KELLI GARRETT","JIM MANN","GARY D BLISS","FORREST WATSON","ERIC SESPICO","CHARLES ATKINS","AMY TOPOL","STEFANIA JONES","MICHAEL AKERS"],"Title":["VICE-CHAIRPERSON","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","SECRETARY","CHAIRPERSON","BOARD MEMBER","TREASURER","BOARD MEMBER","BOARD MEMBER","VP/CFO","PRESIDENT/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,191594,244320],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,174234,214227],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,17360,30093]},"Basic":{"value":null,"mission":"To provide residents of bay county with financial and depository services.","year":2024,"name":"HELLO CREDIT UNION","phone":8507856103,"website":"WWW.HELLO.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MIKE AKERS","year_formation":1952,"state_legal_domicile":"FL","total_volunteers":11,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"601 HIGHWAY 231, PANAMA CITY, FL, 32405, USA","city":"PANAMA CITY","state":"FL","country":"USA","zip_code":32405},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":62,"Total Gross UBI":8088,"Net unrelated business taxable income":0,"Number of employees":62,"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":9964143,"Contributions":{"value":799700,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":799700,"Related organizations":0},"Program revenue":{"value":6504599,"Total revenue":6504599,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":763377,"Investment income total":763377,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1896467,"Other total":1896467,"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":9299864,"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":2665256,"Current officers":435912,"Disqualified persons":0,"Other salaries and wages":1952689,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":276655},"Other expenses":{"value":6634608,"Management services":236708,"Legal":96460,"Accounting":99933,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":263156,"Office expenses":517001,"Information technology":750788,"Royalties":0,"Occupancy":177075,"Travel":8928,"Conferences and meetings":36009,"Interest":1320602,"Payments to affiliates":0,"Depreciation and depletion":712181,"Insurance":82418,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2029246,"PROVISION FOR LOAN LOSS":1433899,"ATM EXPENSE":276477,"VISA/MASTERCARD EXPENSE":253886,"LOAN SERVICING":64984},"All other expenses":304103},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":163318016,"Non-interest bearing cash":7391794,"Savings and temp cash investments":30025589,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":107503939,"Inventories for sale or use":0,"Prepaid expenses deferred charges":6188841,"Land, building, equipment":5697577,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":274407,"Other assets":6235869},"Liabilities":{"value":142348271,"Sum of Total Liabilities":0,"Accounts payable, accrued":4252857,"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":138095414},"Fund balance":{"value":20969745,"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":0.06666694767427565,"percentile":0.5605559279504528},"Liabilities to Assets Ratio":{"score":0.871601764988377,"percentile":0.06912830836745965},"Operating Reserve Ratio":{"score":17.561333800150194,"percentile":0.9373917169655024},"Officer Compensation Ratio":{"score":0.046873158575222174,"percentile":0.7722626147287461},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07760320890951325,"percentile":0.7054499193835353},"Asset Growth":{"score":0.08794289538900255,"percentile":0.6514837977844173},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6151222462640895,"percentile":0.6491230771722886}},"source_xml":"202513079349303431_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}