{"success":true,"data":{"_id":610925915,"filings":[{"Organization":{"value":null,"Person":["Roger Hamilton","Jeff Pohlman","William Neu","Mary Alexander","Steve Montgomery","Angela Tubesing","Norma Swecker","Bill Howard","Bryan Bishop","Chris Bryant","Mike Cooper"],"Title":["Director","Chairperson","Vice Chairperson","Secretary","Treasurer","Supervisory Committee","Director","Supervisory Committee","Supervisory Committee","Director","CEO"],"Hours":[0.75,2.5,1.5,1.5,1.5,0.75,0.75,1.0,0.75,0.75,50.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,75100],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,75100],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"C & o united credit union is a non profit, member owned financial institution. our mission is to provide financial services at a reasonable cost. significant activitites are making loans to, and hold deposit accounts for our members. we offer commonly requested services too.","year":2014,"name":"C & O United Credit Union","phone":8593313447,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Jeff Pohlman","year_formation":1929,"state_legal_domicile":"KY","total_volunteers":0,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"3029 Dixie Hwy, Edgewood, KY, 41017, USA","city":"Edgewood","state":"KY","country":"USA","zip_code":41017},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":8,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":8,"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":601743,"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":529173,"Total revenue":{"value":529173,"Interest on loans":320321,"Fee Income":115165,"Sundry":93687},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":72570,"Investment income total":72570,"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":662556,"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":261798,"Current officers":75100,"Disqualified persons":0,"Other salaries and wages":134401,"Pension plan contributions":6047,"Other employee benefits":29228,"Payroll taxes":17022},"Other expenses":{"value":400758,"Management services":0,"Legal":1100,"Accounting":10000,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":21082,"Office expenses":27096,"Information technology":0,"Royalties":0,"Occupancy":66945,"Travel":426,"Conferences and meetings":3000,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":5578,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":244693,"Outside Services & Insurance":202431,"Provision for Loan Losses":17115,"Dividends":16676,"Dues":8471},"All other expenses":20838},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":14942390,"Non-interest bearing cash":1625746,"Savings and temp cash investments":7785980,"Pledges and grants receivable":0,"Accounts receivable":5340152,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":24751,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":165761},"Liabilities":{"value":57615,"Sum of Total Liabilities":0,"Accounts payable, accrued":57615,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":14884775,"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":-0.1010614165848211,"percentile":0.22210929225245835},"Liabilities to Assets Ratio":{"score":0.003855808876625493,"percentile":0.5383388394269074},"Operating Reserve Ratio":{"score":22.55264460664457,"percentile":0.95322334582729},"Officer Compensation Ratio":{"score":0.11334890937520753,"percentile":0.5096263968543824},"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":0.5424491273418094,"percentile":0.43536525102177176}},"source_xml":"201501249349301305_public.xml"},{"Organization":{"value":null,"Person":["Roger Hamilton","Jeff Pohlman","William Neu","Mary Alexander","Steve Montgomery","Bill Howard","Bryan Bishop","Chris Bryant","Angela Tubesing","Brandon Hamilton","Mike Cooper"],"Title":["Secretary","Chairperson","Vice Chairperson","Director","Treasurer","Supervisory Committee","Supervisory Committee","Director","Director","Supervisory Committee","CEO"],"Hours":[1.5,2.5,1.5,0.75,1.5,1.5,0.75,0.75,0.75,0.75,50.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,77563],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,77563],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"C & o united credit union is a non profit, member owned financial institution. our mission is to provide financial services at a reasonable cost. significant activities are making loans to, and hold deposit accounts for our members. we offer commonly requested services too.","year":2016,"name":"C & O United Credit Union","phone":8593313447,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JEFF POHLMAN","year_formation":1929,"state_legal_domicile":"KY","total_volunteers":10,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"3029 DIXIE HWY, EDGEWOOD, KY, 41017, USA","city":"EDGEWOOD","state":"KY","country":"USA","zip_code":41017},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":8,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":8,"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":657869,"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":553586,"Total revenue":{"value":553586,"Interest on loans":333747,"Fee income":113219,"Sundry":106620},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":104283,"Investment income total":104283,"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":636072,"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":269871,"Current officers":76563,"Disqualified persons":0,"Other salaries and wages":133427,"Pension plan contributions":5402,"Other employee benefits":38367,"Payroll taxes":16112},"Other expenses":{"value":366201,"Management services":0,"Legal":500,"Accounting":10340,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":6188,"Office expenses":25541,"Information technology":0,"Royalties":0,"Occupancy":65923,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":4275,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":233356,"Outside services & insurance":202920,"Provision for loan losses":17509,"Dividends":12577,"Dues":350},"All other expenses":20078},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":15492023,"Non-interest bearing cash":1413375,"Savings and temp cash investments":1020673,"Pledges and grants receivable":0,"Accounts receivable":4701456,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":19530,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":8169791,"Investments program related":0,"Intangible assets":0,"Other assets":167198},"Liabilities":{"value":13775897,"Sum of Total Liabilities":0,"Accounts payable, accrued":43378,"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":13732519},"Fund balance":{"value":1716126,"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":0.033132736152638294,"percentile":0.485555097449823},"Liabilities to Assets Ratio":{"score":0.88922518382525,"percentile":0.06641213274273924},"Operating Reserve Ratio":{"score":24.35576947263832,"percentile":0.9574626146287007},"Officer Compensation Ratio":{"score":0.12194059791973236,"percentile":0.4844211146313125},"Program Expense Growth":{"score":-1.2,"percentile":0.005880029237335701},"Revenue Growth":{"score":0.015022571915286723,"percentile":0.43949285678489947},"Asset Growth":{"score":0.017687975515829613,"percentile":0.39407994836867616},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.48196064330920557,"percentile":0.27903602584042064}},"source_xml":"201741309349301864_public.xml"},{"Organization":{"value":null,"Person":["JEFF POHLMAN","WILLIAM NEU","MARY ALEXANDER","STEVE MONTGOMERY","CHRIS BRYANT","ANGELA TUBESING","BRANDON HAMILTON","BRYAN BISHOP","BILL HOWARD","DYAN PRICE","MIKE COOPER"],"Title":["CHAIRPERSON","VICE CHAIRPERSON","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","CEO"],"Hours":[2.5,1.5,1.5,1.5,0.75,0.75,0.75,0.75,1.5,0.75,50.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,84643],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,84643],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"C & o united credit union is a non-profit, member owned financial institution. our mission is to provide financial services at a reasonable cost. significant activities are making loans to and hold deposit account for our members. we offer commonly requested services too.","year":2019,"name":"C & O United Credit Union","phone":8593313447,"website":"www.co-united.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JEFF POHLMAN","year_formation":1929,"state_legal_domicile":"KY","total_volunteers":10,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"6720 DIXIE HWY, FLORENCE, KY, 41042, USA","city":"FLORENCE","state":"KY","country":"USA","zip_code":41042},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":7,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":7,"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":754622,"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":502810,"Total revenue":{"value":502810,"INTEREST ON LOANS":319694,"INCOME":87721,"SUNDRY":95395},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":251812,"Investment income total":251812,"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":693060,"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":304080,"Current officers":84643,"Disqualified persons":0,"Other salaries and wages":148510,"Pension plan contributions":6527,"Other employee benefits":46011,"Payroll taxes":18389},"Other expenses":{"value":388980,"Management services":0,"Legal":1800,"Accounting":11400,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":18875,"Office expenses":29550,"Information technology":0,"Royalties":0,"Occupancy":85842,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":3824,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":220527,"OUTSIDE SERVICES & INSURANCE":159604,"PROVISION FOR LOAN LOSSES":40456,"DIVIDENDS":20117,"DUES":350},"All other expenses":17162},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":17263469,"Non-interest bearing cash":1575852,"Savings and temp cash investments":1805529,"Pledges and grants receivable":0,"Accounts receivable":4667711,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":27073,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":8986617,"Investments program related":0,"Intangible assets":0,"Other assets":200687},"Liabilities":{"value":15372603,"Sum of Total Liabilities":0,"Accounts payable, accrued":110010,"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":15262593},"Fund balance":{"value":1890866,"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":0.08157991683253338,"percentile":0.5900088430484244},"Liabilities to Assets Ratio":{"score":0.8904701019244742,"percentile":0.06621528170387377},"Operating Reserve Ratio":{"score":24.90905405015439,"percentile":0.9586305001415649},"Officer Compensation Ratio":{"score":0.12212939716619052,"percentile":0.4838755838083326},"Program Expense Growth":{"score":-0.7499999999999999,"percentile":0.01641129699117653},"Revenue Growth":{"score":0.03325845076322304,"percentile":0.530501972226725},"Asset Growth":{"score":0.02257462914209389,"percentile":0.4147414494731592},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5098009411850895,"percentile":0.3467514388397849}},"source_xml":"202021289349301652_public.xml"},{"Organization":{"value":null,"Person":["Roger Hamilton","Jeff Pohlman","William Neu","Mary Alexander","Steve Montgomery","Bill Howard","Bryan Bishop","Chris Bryant","Angela Tubesing","Brandon Hamilton","Mike Cooper"],"Title":["Director","Chairperson","Vice Chairperson","Secretary","Treasurer","Supervisory Committee","Supervisory Committee","Director","Director","Supervisory Committee","CEO"],"Hours":[0.75,2.5,1.5,1.5,1.5,1.0,0.75,0.75,0.75,0.75,50.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,77563],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,77563],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"C & o united credit union is a non profit, member owned financial institution. our mission is to provide financial services at a reasonable cost. significant activitites are making loans to, and hold deposit accounts for our members. we offer commonly requested services too.","year":2015,"name":"C & O United Credit Union","phone":8593313447,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JEFF POHLMAN","year_formation":1929,"state_legal_domicile":"KY","total_volunteers":7,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"3029 Dixie Hwy, Edgewood, KY, 41017, USA","city":"Edgewood","state":"KY","country":"USA","zip_code":41017},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":635869,"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":556315,"Total revenue":{"value":556315,"Interest on loans":338241,"Fee income":118717,"Sundry":99357},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":79554,"Investment income total":79554,"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":633558,"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":262359,"Current officers":77563,"Disqualified persons":0,"Other salaries and wages":130482,"Pension plan contributions":5586,"Other employee benefits":32660,"Payroll taxes":16068},"Other expenses":{"value":371199,"Management services":0,"Legal":0,"Accounting":10031,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":1356,"Office expenses":28121,"Information technology":0,"Royalties":0,"Occupancy":66170,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":4961,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":239699,"Outside services & insurance":203609,"Provision for loan losses":18556,"Dividends":15184,"Dues":2350},"All other expenses":20861},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":15643558,"Non-interest bearing cash":1443870,"Savings and temp cash investments":8951070,"Pledges and grants receivable":0,"Accounts receivable":5064926,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":21189,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":162503},"Liabilities":{"value":44980,"Sum of Total Liabilities":0,"Accounts payable, accrued":44980,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":15598578,"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":0.003634396392967734,"percentile":0.40641766049908706},"Liabilities to Assets Ratio":{"score":0.0028753049657884735,"percentile":0.5472417912502274},"Operating Reserve Ratio":{"score":24.69159571815051,"percentile":0.9581764010331715},"Officer Compensation Ratio":{"score":0.12242446626828167,"percentile":0.4830296935796834},"Program Expense Growth":{"score":-1.5,"percentile":0.002735216165196088},"Revenue Growth":{"score":-0.0013318962896755773,"percentile":0.36363078975018837},"Asset Growth":{"score":0.02693770840103923,"percentile":0.4331280995686082},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4905228061318855,"percentile":0.29880571148250046}},"source_xml":"201601169349300910_public.xml"},{"Organization":{"value":null,"Person":["JEFF POHLMAN","WILLIAM NEU","MARY ALEXANDER","STEVE MONTGOMERY","CHRIS BRYANT","ANGELA TUBESING","BRANDON HAMILTON","BRYAN BISHOP","BILL HOWARD","MIKE COOPER"],"Title":["CHAIRPERSON","VICE CHAIRPERSON","DIRECTOR","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","CEO"],"Hours":[2.5,1.5,0.75,1.5,0.75,0.75,0.75,0.75,1.5,50.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,79348],"Direct compensation":[0,0,0,0,0,0,0,0,0,79348],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"C & o united credit union is a non-profit, member owned financial institution. our mission is to provide financial services at a reasonable cost. significant activities are making loans to and hold deposit account for our members. we offer commonly requested services too.","year":2017,"name":"C & O United Credit Union","phone":8593313447,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JEFF POHLMAN","year_formation":1929,"state_legal_domicile":"KY","total_volunteers":10,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"3029 DIXIE HWY, EDGEWOOD, KY, 41017, USA","city":"EDGEWOOD","state":"KY","country":"USA","zip_code":41017},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":7,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":7,"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":672364,"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":549178,"Total revenue":{"value":549178,"INTEREST ON LOANS":342690,"FEE INCOME":113028,"SUNDRY":93460},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":123186,"Investment income total":123186,"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":647125,"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":273834,"Current officers":79348,"Disqualified persons":0,"Other salaries and wages":135333,"Pension plan contributions":5564,"Other employee benefits":37545,"Payroll taxes":16044},"Other expenses":{"value":373291,"Management services":0,"Legal":2400,"Accounting":10386,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":7301,"Office expenses":29285,"Information technology":0,"Royalties":0,"Occupancy":66386,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":4425,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":234066,"OUTSIDE SERVICES & INSURANCE":217335,"PROVISION FOR LOAN LOSSES":4820,"DIVIDENDS":11561,"DUES":350},"All other expenses":19042},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":15947977,"Non-interest bearing cash":1515735,"Savings and temp cash investments":1228515,"Pledges and grants receivable":0,"Accounts receivable":4815539,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":22785,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":8194617,"Investments program related":0,"Intangible assets":0,"Other assets":170786},"Liabilities":{"value":14206612,"Sum of Total Liabilities":0,"Accounts payable, accrued":101985,"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":14104627},"Fund balance":{"value":1741365,"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":0.03753770279194008,"percentile":0.49623584505935686},"Liabilities to Assets Ratio":{"score":0.8908096619401946,"percentile":0.06616058947975609},"Operating Reserve Ratio":{"score":24.64435310025111,"percentile":0.9580765679403604},"Officer Compensation Ratio":{"score":0.12261618698087695,"percentile":0.48249490732080874},"Program Expense Growth":{"score":-1.0,"percentile":0.008996993147392333},"Revenue Growth":{"score":0.019621080689678192,"percentile":0.46273766738870126},"Asset Growth":{"score":0.018148717968802672,"percentile":0.39604247696902595},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4861754543621678,"percentile":0.2886770873351101}},"source_xml":"201831349349307888_public.xml"},{"Organization":{"value":null,"Person":["MIKE COOPER","JEFF POHLMAN","WILLIAM NEU","MARY ALEXANDER","STEVE MONTGOMERY","CHRIS BRYANT","ANGELA TUBESING","BRANDON HAMILTON","BRYAN BISHOP","BILL HOWARD","DYAN PRICE"],"Title":["CEO","CHAIRPERSON","VICE CHAIRPERSON","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE"],"Hours":[50.0,2.5,1.5,1.5,1.5,0.75,0.75,0.75,0.75,1.5,0.75],"Total Compensation":[51243,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[51243,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"C & o united credit union is a non-profit, member owned financial institution. our mission is to provide financial services at a reasonable cost. significant activities are making loans to and hold deposit account for our members. we offer commonly requested services too.","year":2020,"name":"C & O UNITED CREDIT UNION","phone":8593313447,"website":"www.co-united.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JUDY HESTER","year_formation":1929,"state_legal_domicile":"KY","total_volunteers":10,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"6720 DIXIE HWY, FLORENCE, KY, 41042, USA","city":"FLORENCE","state":"KY","country":"USA","zip_code":41042},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":7,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":7,"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":604569,"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":411292,"Total revenue":{"value":411292,"INTEREST ON LOANS":272629,"INCOME":52857,"SUNDRY":85806},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":193277,"Investment income total":193277,"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":589487,"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":256172,"Current officers":51243,"Disqualified persons":0,"Other salaries and wages":152178,"Pension plan contributions":5889,"Other employee benefits":30740,"Payroll taxes":16122},"Other expenses":{"value":333315,"Management services":0,"Legal":-1677,"Accounting":8312,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":16779,"Office expenses":39972,"Information technology":0,"Royalties":0,"Occupancy":39336,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":13612,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":202822,"OUTSIDE SERVICES & INSURANCE":162450,"DIVIDENDS":23204,"PROVISION FOR LOAN LOSSES":16668,"DUES":500},"All other expenses":14159},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":19325920,"Non-interest bearing cash":2823669,"Savings and temp cash investments":1391249,"Pledges and grants receivable":0,"Accounts receivable":4158541,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":24948,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":10622617,"Investments program related":0,"Intangible assets":0,"Other assets":304896},"Liabilities":{"value":17419972,"Sum of Total Liabilities":0,"Accounts payable, accrued":60404,"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":17359568},"Fund balance":{"value":1905948,"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":0.02494669756471139,"percentile":0.4650952303992171},"Liabilities to Assets Ratio":{"score":0.901378666578357,"percentile":0.06444403203366583},"Operating Reserve Ratio":{"score":32.78430228317164,"percentile":0.9704114113671091},"Officer Compensation Ratio":{"score":0.08692812564144757,"percentile":0.5980238793053346},"Program Expense Growth":{"score":-0.6666666666666666,"percentile":0.020760479211243178},"Revenue Growth":{"score":0.014380995226327629,"percentile":0.43627071789948685},"Asset Growth":{"score":0.03304857925262333,"percentile":0.45868610953096406},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4904281710005934,"percentile":0.2985725293442522}},"source_xml":"202101329349302225_public.xml"},{"Organization":{"value":null,"Person":["JEFF POHLMAN","WILLIAM NEU","MARY ALEXANDER","STEVE MONTGOMERY","CHRIS BRYANT","ANGELA TUBESING","BRANDON HAMILTON","BRYAN BISHOP","BILL HOWARD","DYAN PRICE","MIKE COOPER"],"Title":["CHAIRPERSON","VICE CHAIRPERSON","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","CEO"],"Hours":[2.5,1.5,1.5,1.5,0.75,0.75,0.75,0.75,1.5,0.75,50.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,83974],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,83974],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"C & o united credit union is a non-profit, member owned financial institution. our mission is to provide financial services at a reasonable cost. significant activities are making loans to and hold deposit account for our members. we offer commonly requested services too.","year":2018,"name":"C & O United Credit Union","phone":8593313447,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JEFF POHLMAN","year_formation":1929,"state_legal_domicile":"KY","total_volunteers":10,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"3029 DIXIE HWY, EDGEWOOD, KY, 41017, USA","city":"EDGEWOOD","state":"KY","country":"USA","zip_code":41017},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":719103,"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":542988,"Total revenue":{"value":542988,"INTEREST ON LOANS":343203,"FEE INCOME":96353,"SUNDRY":103432},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":176115,"Investment income total":176115,"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":631164,"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":283714,"Current officers":83974,"Disqualified persons":0,"Other salaries and wages":138708,"Pension plan contributions":6495,"Other employee benefits":37869,"Payroll taxes":16668},"Other expenses":{"value":347450,"Management services":0,"Legal":1800,"Accounting":11400,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":11582,"Office expenses":30341,"Information technology":0,"Royalties":0,"Occupancy":63206,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":3536,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":206315,"OUTSIDE SERVICES & INSURANCE":176632,"PROVISION FOR LOAN LOSSES":17494,"DIVIDENDS":11839,"DUES":350},"All other expenses":19270},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":16113825,"Non-interest bearing cash":1344506,"Savings and temp cash investments":1130801,"Pledges and grants receivable":0,"Accounts receivable":4693454,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":25943,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":8740617,"Investments program related":0,"Intangible assets":0,"Other assets":178504},"Liabilities":{"value":14284521,"Sum of Total Liabilities":0,"Accounts payable, accrued":89959,"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":14194562},"Fund balance":{"value":1829304,"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":0.12228985277491541,"percentile":0.6593198780682412},"Liabilities to Assets Ratio":{"score":0.8864761160059762,"percentile":0.06685048989484345},"Operating Reserve Ratio":{"score":25.530329676597525,"percentile":0.9598951873780253},"Officer Compensation Ratio":{"score":0.13304624471611182,"percentile":0.45380447921341976},"Program Expense Growth":{"score":-0.8571428571428571,"percentile":0.011761772269261124},"Revenue Growth":{"score":0.02803098236003776,"percentile":0.5050233058433848},"Asset Growth":{"score":0.017138448979033383,"percentile":0.3917832291838096},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5157308722931695,"percentile":0.36211906167987534}},"source_xml":"201911349349305316_public.xml"},{"Organization":{"value":null,"Person":["Roger Hamilton","Jeff Pohlman","William Neu","Mary Alexander","Steve Montgomery","Angela Tubesing","Norma Swecker","Bill Howard","Bryan Bishop","Chris Bryant","Mike Cooper"],"Title":["Director","Chairperson","Vice Chairperson","Secretary","Treasurer","Supervisory Committee","Director","Supervisory Committee","Supervisory Committee","Director","CEO"],"Hours":[0.75,2.5,1.5,1.5,1.5,1.0,0.75,0.75,0.75,0.75,50.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,75144],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,75144],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"C & o united credit union is a non profit, member owned financial institution. our mission is to provide financial services at a reasonable cost. significant activitites are making loans to, and hold deposit accounts for our members. we offer commonly requested services too.","year":2013,"name":"C & O United Credit Union","phone":8593313447,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Jeff Pohlman","year_formation":1929,"state_legal_domicile":"KY","total_volunteers":0,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"3029 Dixie Hwy, Edgewood, KY, 41017, USA","city":"Edgewood","state":"KY","country":"USA","zip_code":41017},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":637534,"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":541293,"Total revenue":{"value":541293,"Interest on loans":327603,"Fee Income":116119,"Sundry":97571},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":96241,"Investment income total":96241,"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":624215,"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":264903,"Current officers":75144,"Disqualified persons":0,"Other salaries and wages":134998,"Pension plan contributions":6256,"Other employee benefits":32143,"Payroll taxes":16362},"Other expenses":{"value":359312,"Management services":0,"Legal":4800,"Accounting":9600,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":22785,"Office expenses":27467,"Information technology":0,"Royalties":0,"Occupancy":65558,"Travel":249,"Conferences and meetings":3000,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":6548,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":199284,"Outside Service & Insurance":208276,"Provision for Loan Losses":-39266,"Dividends":21866,"Dues":8408},"All other expenses":20021},"Functional Expenses":{"value":null,"Program Service Expenses":624215,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":14827993,"Non-interest bearing cash":957836,"Savings and temp cash investments":8121121,"Pledges and grants receivable":0,"Accounts receivable":5547097,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":18474,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":183465},"Liabilities":{"value":43172,"Sum of Total Liabilities":0,"Accounts payable, accrued":43172,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":14784821,"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":0.020891434809751322,"percentile":0.4546331643052256},"Liabilities to Assets Ratio":{"score":0.0029115201227839804,"percentile":0.5468784054615204},"Operating Reserve Ratio":{"score":23.754624608508287,"percentile":0.9561227494357106},"Officer Compensation Ratio":{"score":0.12038159928870662,"percentile":0.4888166181289123},"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":0.8018575968954385,"percentile":0.9599782656648501}},"source_xml":"201441209349301209_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["MIKE COOPER","JEFF POHLMAN","WILLIAM NEU","MARY ALEXANDER","STEVE MONTGOMERY","CHRIS BRYANT","ANGELA TUBESING","BRANDON HAMILTON","BRYAN BISHOP","BILL HOWARD","DYAN PRICE"],"Title":["CEO","CHAIRPERSON","VICE CHAIRPERSON","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE"],"Hours":[50.0,2.5,1.5,1.5,1.5,0.75,0.75,0.75,0.75,1.5,0.75],"Total Compensation":[51243,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[51243,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"C & o united credit union is a non-profit, member owned financial institution. our mission is to provide financial services at a reasonable cost. significant activities are making loans to and hold deposit account for our members. we offer commonly requested services too.","year":2020,"name":"C & O UNITED CREDIT UNION","phone":8593313447,"website":"www.co-united.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JUDY HESTER","year_formation":1929,"state_legal_domicile":"KY","total_volunteers":10,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"6720 DIXIE HWY, FLORENCE, KY, 41042, USA","city":"FLORENCE","state":"KY","country":"USA","zip_code":41042},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":7,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":7,"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":604569,"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":411292,"Total revenue":{"value":411292,"INTEREST ON LOANS":272629,"INCOME":52857,"SUNDRY":85806},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":193277,"Investment income total":193277,"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":589487,"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":256172,"Current officers":51243,"Disqualified persons":0,"Other salaries and wages":152178,"Pension plan contributions":5889,"Other employee benefits":30740,"Payroll taxes":16122},"Other expenses":{"value":333315,"Management services":0,"Legal":-1677,"Accounting":8312,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":16779,"Office expenses":39972,"Information technology":0,"Royalties":0,"Occupancy":39336,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":13612,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":202822,"OUTSIDE SERVICES & INSURANCE":162450,"DIVIDENDS":23204,"PROVISION FOR LOAN LOSSES":16668,"DUES":500},"All other expenses":14159},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":19325920,"Non-interest bearing cash":2823669,"Savings and temp cash investments":1391249,"Pledges and grants receivable":0,"Accounts receivable":4158541,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":24948,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":10622617,"Investments program related":0,"Intangible assets":0,"Other assets":304896},"Liabilities":{"value":17419972,"Sum of Total Liabilities":0,"Accounts payable, accrued":60404,"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":17359568},"Fund balance":{"value":1905948,"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":0.02494669756471139,"percentile":0.4650952303992171},"Liabilities to Assets Ratio":{"score":0.901378666578357,"percentile":0.06444403203366583},"Operating Reserve Ratio":{"score":32.78430228317164,"percentile":0.9704114113671091},"Officer Compensation Ratio":{"score":0.08692812564144757,"percentile":0.5980238793053346},"Program Expense Growth":{"score":-0.6666666666666666,"percentile":0.020760479211243178},"Revenue Growth":{"score":0.014380995226327629,"percentile":0.43627071789948685},"Asset Growth":{"score":0.03304857925262333,"percentile":0.45868610953096406},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4904281710005934,"percentile":0.2985725293442522}},"source_xml":"202101329349302225_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}