{"success":true,"data":{"_id":626118790,"filings":[{"Organization":{"value":null,"Person":["WANDA MASON","SHANNON PLUNKETT","TERESA LABORG","MARILYN WORSHAM","CAROLYN MITCHELL","CHERYL COVINGTON","RHEA ANN PENDLEY","JEAN COOPER"],"Title":["PRESIDENT/CE","CONTROLLER","CHAIRPERSON/","VICE CHAIRPE","BOARD MEM","BOARD MEM","BOARD MEM/SU","SUPERVISORY"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[181445,80501,0,0,0,0,0,0],"Direct compensation":[138755,77565,0,0,0,0,0,0],"Other compensation":[42690,2936,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2016,"name":"THE CREDIT UNION FOR ROBERTSON COUNTY","phone":6153828255,"website":"WWW.TCURC.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SHANNON PLUNKETT","year_formation":1991,"state_legal_domicile":"TN","total_volunteers":7,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"2416 MEMORIAL BLVD, SPRINGFIELD, TN, 37172, USA","city":"SPRINGFIELD","state":"TN","country":"USA","zip_code":37172},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":42,"Total Gross UBI":0,"Net unrelated business taxable income":null,"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":3596623,"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":3005404,"Total revenue":{"value":3005404,"INTEREST ON LOANS":2197458,"FEE INCOME":807946},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":246185,"Investment income total":246185,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":345034,"Other total":345034,"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":3222476,"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":1857248,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":1612773,"Pension plan contributions":45485,"Other employee benefits":78663,"Payroll taxes":120327},"Other expenses":{"value":1365228,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":551303,"Information technology":0,"Royalties":0,"Occupancy":220997,"Travel":0,"Conferences and meetings":26888,"Interest":167900,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":342462,"PROVISION FOR LOAN LOSSES":189704,"LOAN SERVICING EXP":65954,"EDUCATIONAL & PROMO":53753,"MISC OPERATING EXP":33051},"All other expenses":55678},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":3222476,"Fundraising Expenses":0}},"Assets":{"value":51028994,"Non-interest bearing cash":4722027,"Savings and temp cash investments":8367370,"Pledges and grants receivable":0,"Accounts receivable":30002888,"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":148207,"Land, building, equipment":2123179,"Investments publicly traded":0,"Investments other":5123679,"Investments program related":0,"Intangible assets":0,"Other assets":541644},"Liabilities":{"value":45145569,"Sum of Total Liabilities":0,"Accounts payable, accrued":1074720,"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":44070849},"Fund balance":{"value":5883425,"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":0.10402730561418308,"percentile":0.6300990955389583},"Liabilities to Assets Ratio":{"score":0.884704272241777,"percentile":0.06712907201019938},"Operating Reserve Ratio":{"score":15.835337175513487,"percentile":0.9301212810404629},"Officer Compensation Ratio":{"score":0.0812871841403939,"percentile":0.6193362105973635},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.026110075492884688,"percentile":0.4954411592196875},"Asset Growth":{"score":0.08287882647731765,"percentile":0.6371026685622824},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5961246388183109,"percentile":0.5940994919789144}},"source_xml":"201741369349300134_public.xml"},{"Organization":{"value":null,"Person":["RANDY WILLIAMSON","MARILYN WORSHAM","CAROLYN MITCHELL","RHEA ANN PENDLEY","CHERYL COVINGTON","ROBERT GARDNER","WANDA MASON","SHANNON PLUNKETT","PEGGY MORELAND"],"Title":["BOARD CHAIRP","BOARD VICE C","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/CE","CONTROLLER","VICE PRESIDE"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,141185,75615,61031],"Direct compensation":[0,0,0,0,0,0,99185,72615,58031],"Other compensation":[0,0,0,0,0,0,42000,3000,3000]},"Basic":{"value":null,"mission":"Credit union - to provide services for approximately 7,000 members in the form of loans, savings, and other financial services.","year":2014,"name":"THE CREDIT UNION FOR ROBERTSON COUNTY","phone":6153828255,"website":"WWW.TCURC.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"WANDA E MASON","year_formation":1991,"state_legal_domicile":"TN","total_volunteers":7,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"2416 MEMORIAL BLVD, SPRINGFIELD, TN, 37172, USA","city":"SPRINGFIELD","state":"TN","country":"USA","zip_code":37172},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":47,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":47,"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":3303595,"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":2908535,"Total revenue":{"value":2908535,"INTEREST ON LOANS":2056029,"FEE INCOME":852506},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":133576,"Investment income total":133576,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":261484,"Other total":261484,"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":3027730,"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":1667833,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":1244334,"Pension plan contributions":150843,"Other employee benefits":157117,"Payroll taxes":115539},"Other expenses":{"value":1359897,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":67166,"Office expenses":482677,"Information technology":0,"Royalties":0,"Occupancy":198632,"Travel":21585,"Conferences and meetings":0,"Interest":170534,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":401303,"PROVISION FOR LOAN LOSSES":273661,"LOAN SERVICEING EXP":74950,"PROF & OUTSIDE SERVICES":31868,"MISC OPERATING EXP":20824},"All other expenses":18000},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":3027730,"Fundraising Expenses":0}},"Assets":{"value":41887234,"Non-interest bearing cash":2898988,"Savings and temp cash investments":6902225,"Pledges and grants receivable":0,"Accounts receivable":28259753,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":15385,"Prepaid expenses deferred charges":68378,"Land, building, equipment":2187869,"Investments publicly traded":0,"Investments other":1088679,"Investments program related":0,"Intangible assets":0,"Other assets":465957},"Liabilities":{"value":36768689,"Sum of Total Liabilities":0,"Accounts payable, accrued":550075,"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":36218614},"Fund balance":{"value":5118545,"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":0.08350448526529432,"percentile":0.5936198394066536},"Liabilities to Assets Ratio":{"score":0.877801790397523,"percentile":0.06821328902238981},"Operating Reserve Ratio":{"score":13.834534122923774,"percentile":0.9200920970385745},"Officer Compensation Ratio":{"score":0.09176214523752117,"percentile":0.5804584705503708},"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":0.5933526285332528,"percentile":0.5859339174619225}},"source_xml":"201511359349308276_public.xml"},{"Organization":{"value":null,"Person":["WANDA MASON","SHANNON PLUNKETT","TERESA LABORG","MARILYN WORSHAM","CHERYL COVINGTON","RHEA ANN PENDLEY","MARK REID"],"Title":["PRESIDENT/CE","CONTROLLER","BOARD CHAIR/","VICE CHAIR/P","BOARD MEM/LE","BOARD MEM/SC","BOARD MEMBER"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[171522,80655,0,0,0,0,0],"Direct compensation":[146262,80018,0,0,0,0,0],"Other compensation":[25260,637,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2019,"name":"THE CREDIT UNION FOR ROBERTSON COUNTY","phone":6153828255,"website":"WWW.TCURC.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"WANDA MASON","year_formation":1991,"state_legal_domicile":"TN","total_volunteers":6,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"2416 MEMORIAL BLVD, SPRINGFIELD, TN, 37172, USA","city":"SPRINGFIELD","state":"TN","country":"USA","zip_code":37172},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":54,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":54,"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":4451401,"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":3574313,"Total revenue":{"value":3574313,"INTEREST ON LOANS":2805425,"FEE INCOME":768888},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":319097,"Investment income total":319097,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":557991,"Other total":557991,"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":4093678,"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":2083390,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":1862782,"Pension plan contributions":35836,"Other employee benefits":53576,"Payroll taxes":131196},"Other expenses":{"value":2010288,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":675133,"Information technology":0,"Royalties":0,"Occupancy":340609,"Travel":0,"Conferences and meetings":17307,"Interest":391695,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":524729,"PROVISION FOR LOAN LOSSES":334088,"LOAN SERVICING EXP":79120,"PROF & OUTSIDE SERVICES":58776,"EDUCATIONAL & PROMO":52745},"All other expenses":60815},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":4093678,"Fundraising Expenses":0}},"Assets":{"value":60869212,"Non-interest bearing cash":12316465,"Savings and temp cash investments":6363382,"Pledges and grants receivable":0,"Accounts receivable":38406893,"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":159704,"Land, building, equipment":2222857,"Investments publicly traded":0,"Investments other":744055,"Investments program related":0,"Intangible assets":0,"Other assets":655856},"Liabilities":{"value":53896177,"Sum of Total Liabilities":0,"Accounts payable, accrued":1241527,"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":52654650},"Fund balance":{"value":6973035,"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":0.08036189055984846,"percentile":0.5876942428881123},"Liabilities to Assets Ratio":{"score":0.8854423316667874,"percentile":0.06701395204782436},"Operating Reserve Ratio":{"score":14.869076659180326,"percentile":0.925551390903346},"Officer Compensation Ratio":{"score":0.06160157198489964,"percentile":0.7019873048091204},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.05778311964289616,"percentile":0.6376702163668081},"Asset Growth":{"score":0.0677395304990696,"percentile":0.5902716896558201},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6043425787363521,"percentile":0.6181854469947602}},"source_xml":"202021409349301602_public.xml"},{"Organization":{"value":null,"Person":["BRENDA BELLAR","SHANNON PLUNKETT","TERESA LABORG","MARILYN WORSHAM","WANDA MASON","RHEA ANN PENDLEY","MARK REID"],"Title":["PRES/CEO/TRE","VP OF FINANC","BOD CHAIR/SC","VICE CHAIR/P","BOARD SECRET","BOARD MEM/SC","BOARD MEMBER"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[145419,92828,0,0,0,0,0],"Direct compensation":[117023,91708,0,0,0,0,0],"Other compensation":[28396,1120,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2024,"name":"THE CREDIT UNION FOR ROBERTSON COUNTY","phone":6153828255,"website":"WWW.TCURC.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"BRENDA BELLAR","year_formation":1991,"state_legal_domicile":"TN","total_volunteers":5,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"3564 TOM AUSTIN HWY, SPRINGFIELD, TN, 37172, USA","city":"SPRINGFIELD","state":"TN","country":"USA","zip_code":37172},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":56,"Total Gross UBI":0,"Net unrelated business taxable income":null,"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":6625117,"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":5098496,"Total revenue":{"value":5098496,"INTEREST ON LOANS":4259451,"FEE INCOME":839045},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":733091,"Investment income total":733091,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":793530,"Other total":793530,"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":6194426,"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":2545518,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":2151533,"Pension plan contributions":42668,"Other employee benefits":181506,"Payroll taxes":169811},"Other expenses":{"value":3648908,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":903792,"Information technology":0,"Royalties":0,"Occupancy":330867,"Travel":0,"Conferences and meetings":25981,"Interest":803610,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1486227,"PROVISION FOR LOAN LOSSES":1037230,"PROF & OUTSIDE SERVICES":185035,"LOAN SERVICING EXP":137009,"MISC OPERATING EXP":126953},"All other expenses":98431},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":6194426,"Fundraising Expenses":0}},"Assets":{"value":83892720,"Non-interest bearing cash":12783657,"Savings and temp cash investments":7465000,"Pledges and grants receivable":0,"Accounts receivable":56815516,"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":95110,"Land, building, equipment":3417240,"Investments publicly traded":0,"Investments other":2403944,"Investments program related":0,"Intangible assets":0,"Other assets":912253},"Liabilities":{"value":73845136,"Sum of Total Liabilities":0,"Accounts payable, accrued":750734,"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":73094402},"Fund balance":{"value":10047584,"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":0.06500881418396083,"percentile":0.5571858277258407},"Liabilities to Assets Ratio":{"score":0.8802329451232479,"percentile":0.06784109512268265},"Operating Reserve Ratio":{"score":13.543259698315874,"percentile":0.918433533895457},"Officer Compensation Ratio":{"score":0.038461513625314116,"percentile":0.8153146179306262},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06802886444615555,"percentile":0.6748156628034037},"Asset Growth":{"score":0.07478965111694692,"percentile":0.6129220733161435},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6104422319651356,"percentile":0.6357411022315691}},"source_xml":"202520909349301362_public.xml"},{"Organization":{"value":null,"Person":["WANDA MASON","SHANNON PLUNKETT","TERESA LABORG","MARILYN WORSHAM","CHERYL COVINGTON","RHEA ANN PENDLEY","ALFRED BOYTER","MARK REID"],"Title":["PRESIDENT/CE","CONTROLLER","BOARD CHARI/","VICE CHAIR/P","BOARD MEM/LE","BOARD MEM/ME","BOARD MEMBER","BOARD MEMBER"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[182608,82535,0,0,0,0,0,0],"Direct compensation":[150768,79197,0,0,0,0,0,0],"Other compensation":[31840,3338,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2017,"name":"THE CREDIT UNION FOR ROBERTSON COUNTY","phone":6153828255,"website":"WWW.TCURC.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"WANDA MASON","year_formation":1991,"state_legal_domicile":"TN","total_volunteers":7,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"2416 MEMORIAL BLVD, SPRINGFIELD, TN, 37172, USA","city":"SPRINGFIELD","state":"TN","country":"USA","zip_code":37172},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":48,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":48,"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":3943646,"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":3291540,"Total revenue":{"value":3291540,"INTEREST ON LOANS":2479357,"FEE INCOME":812183},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":247911,"Investment income total":247911,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":404195,"Other total":404195,"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":3552251,"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":1994700,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":1643062,"Pension plan contributions":71713,"Other employee benefits":161780,"Payroll taxes":118145},"Other expenses":{"value":1557551,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":609110,"Information technology":0,"Royalties":0,"Occupancy":305214,"Travel":0,"Conferences and meetings":19865,"Interest":157680,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":404629,"PROVISION FOR LOAN LOSSES":219656,"PROF & OUTSIDE SERVICES":64602,"LOAN SERVICING EXP":64066,"EDUCATIONAL & PROMO":56305},"All other expenses":61053},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":3552251,"Fundraising Expenses":0}},"Assets":{"value":52261798,"Non-interest bearing cash":4497311,"Savings and temp cash investments":7092098,"Pledges and grants receivable":0,"Accounts receivable":35127790,"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":155296,"Land, building, equipment":2545056,"Investments publicly traded":0,"Investments other":2184055,"Investments program related":0,"Intangible assets":0,"Other assets":660192},"Liabilities":{"value":46002224,"Sum of Total Liabilities":0,"Accounts payable, accrued":1471386,"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":44530838},"Fund balance":{"value":6259574,"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":0.09924699123602879,"percentile":0.6219218742452889},"Liabilities to Assets Ratio":{"score":0.8802265853922592,"percentile":0.06784170964205476},"Operating Reserve Ratio":{"score":14.712304395156762,"percentile":0.9247666704592463},"Officer Compensation Ratio":{"score":0.07464084041358564,"percentile":0.6457839551424216},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.04407978037639875,"percentile":0.5808148212229457},"Asset Growth":{"score":0.07269152636206656,"percentile":0.6063299397475683},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6025683411998852,"percentile":0.6129886450697877}},"source_xml":"201811359349308416_public.xml"},{"Organization":{"value":null,"Person":["WANDA MASON","PEGGY MORELAND","SHANNON PLUNKETT","RANDY WILLIAMSON","MARILYN WORSHAM","CAROLYN MITCHELL","CHERYL COVINGTON","ROBERT GARDNER","RHEA ANN PENDLEY","TERESA LABORG","CAROL COBB"],"Title":["PRESIDENT/CE","VICE PRESIDE","CONTROLLER","CHAIRMAN","VICE CHAIRPE","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SUPERVISORY","SUPERVISORY"],"Hours":[40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[551579,69408,82592,0,0,0,0,0,0,0,0],"Direct compensation":[405652,63006,79669,0,0,0,0,0,0,0,0],"Other compensation":[145927,6402,2923,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2015,"name":"THE CREDIT UNION FOR ROBERTSON COUNTY","phone":6153828255,"website":"WWW.TCURC.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"WANDA MASON","year_formation":1991,"state_legal_domicile":"TN","total_volunteers":null,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"2416 MEMORIAL BLVD, SPRINGFIELD, TN, 37172, USA","city":"SPRINGFIELD","state":"TN","country":"USA","zip_code":37172},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":47,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":47,"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":3353854,"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":2936671,"Total revenue":{"value":2936671,"INTEREST ON LOANS":2165513,"FEE INCOME":771158},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":158365,"Investment income total":158365,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":258818,"Other total":258818,"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":2983449,"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":1784631,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":1549037,"Pension plan contributions":33600,"Other employee benefits":88996,"Payroll taxes":112998},"Other expenses":{"value":1198818,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":469225,"Information technology":0,"Royalties":0,"Occupancy":210325,"Travel":0,"Conferences and meetings":20374,"Interest":170588,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":286982,"PROVISION FOR LOAN LOSSES":120641,"LOAN SERVICEING EXP":75378,"EDUCATIONAL & PROMO":48234,"PROF & OUTSIDE SERVICES":42729},"All other expenses":41324},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":2983449,"Fundraising Expenses":0}},"Assets":{"value":45955322,"Non-interest bearing cash":4568292,"Savings and temp cash investments":7823562,"Pledges and grants receivable":0,"Accounts receivable":29206190,"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":89761,"Land, building, equipment":2174319,"Investments publicly traded":0,"Investments other":1635679,"Investments program related":0,"Intangible assets":0,"Other assets":457519},"Liabilities":{"value":40466762,"Sum of Total Liabilities":0,"Accounts payable, accrued":1059691,"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":39407071},"Fund balance":{"value":5488560,"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":0.11044159942561602,"percentile":0.6406434983825109},"Liabilities to Assets Ratio":{"score":0.8805674781258197,"percentile":0.06779295777186747},"Operating Reserve Ratio":{"score":15.403421342211649,"percentile":0.9281130999812257},"Officer Compensation Ratio":{"score":0.23582739306085004,"percentile":0.2594206628712308},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.005381074484660795,"percentile":0.39369951322157615},"Asset Growth":{"score":0.06951731165558073,"percentile":0.5961626397916131},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5627900577645176,"percentile":0.4952800615472855}},"source_xml":"201601339349305780_public.xml"},{"Organization":{"value":null,"Person":["BRENDA BELLAR","SHANNON PLUNKETT","SAMANTHA WHITBY","PEGGY MORELAND","TERESA LABORG","MARILYN WORSHAM","WANDA MASON","RHEA ANN PENDLEY","MARK REID","BAYARD SHELTON"],"Title":["PRES/CEO/TRE","VP IT AND MA","CONTROLLER","LOAN OFFICER","BOD CHAIR/SC","VICE CHAIR/P","BOARD SECRET","BOARD MEM/SC","BOARD MEMBER","BOARD MEMBER"],"Hours":[40.0,40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[164273,108038,105458,212162,0,0,0,0,0,0],"Direct compensation":[138216,101607,98447,108019,0,0,0,0,0,0],"Other compensation":[26057,6431,7011,104143,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2025,"name":"THE CREDIT UNION FOR ROBERTSON COUNTY","phone":6153828255,"website":"WWW.TCURC.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"BRENDA BELLAR","year_formation":1991,"state_legal_domicile":"TN","total_volunteers":6,"tax_period_begin":"2025-01-01T00:00:00","tax_period_end":"2025-12-31T00:00:00","address":"3564 TOM AUSTIN HWY, SPRINGFIELD, TN, 37172, USA","city":"SPRINGFIELD","state":"TN","country":"USA","zip_code":37172},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":59,"Total Gross UBI":0,"Net unrelated business taxable income":null,"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":6762060,"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":5244220,"Total revenue":{"value":5244220,"INTEREST ON LOANS":4307772,"FEE INCOME":936448},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":751880,"Investment income total":751880,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":765960,"Other total":765960,"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":6115914,"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":2888615,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":2424485,"Pension plan contributions":80822,"Other employee benefits":197550,"Payroll taxes":185758},"Other expenses":{"value":3227299,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":344899,"Information technology":0,"Royalties":0,"Occupancy":986856,"Travel":0,"Conferences and meetings":36891,"Interest":728294,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1061070,"PROVISION FOR LOAN LOSSES":635062,"PROF & OUTSIDE SERVICES":203700,"LOAN SERVICING EXP":143695,"EDUCATIONAL & PROMO":78613},"All other expenses":69289},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":6115914,"Fundraising Expenses":0}},"Assets":{"value":83568581,"Non-interest bearing cash":12120279,"Savings and temp cash investments":7469000,"Pledges and grants receivable":0,"Accounts receivable":57170603,"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":143313,"Land, building, equipment":3287153,"Investments publicly traded":0,"Investments other":2518490,"Investments program related":0,"Intangible assets":0,"Other assets":859743},"Liabilities":{"value":72874852,"Sum of Total Liabilities":0,"Accounts payable, accrued":1143924,"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":71730928},"Fund balance":{"value":10693729,"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":0.09555460909841083,"percentile":0.6154561975625469},"Liabilities to Assets Ratio":{"score":0.8720364894074245,"percentile":0.06907402582292338},"Operating Reserve Ratio":{"score":13.66411970475713,"percentile":0.9191319613625721},"Officer Compensation Ratio":{"score":0.0964583543849701,"percentile":0.5639025624320223},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06726254956284951,"percentile":0.6721923730861113},"Asset Growth":{"score":0.06820307176493025,"percentile":0.5918265730297545},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6041945849866865,"percentile":0.6177440808034105}},"source_xml":"202620829349300907_public.xml"},{"Organization":{"value":null,"Person":["WANDA MASON","SHANNON PLUNKETT","BRENDA BELLAR","TERESA LABORG","CHERYL COVINGTON","MARILYN WORSHAM","RHEA ANN PENDLEY","MARK REID"],"Title":["TREASURER OF","CONTROLLER","PRES/CEO/SEC","BOARD CHAIR/","BOARD MEM/LE","VICE CHAIR/P","BOARD MEM/SC","BOARD MEMBER"],"Hours":[20.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[520769,80957,117828,0,0,0,0,0],"Direct compensation":[520110,80348,99274,0,0,0,0,0],"Other compensation":[659,609,18554,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2022,"name":"THE CREDIT UNION FOR ROBERTSON COUNTY","phone":6153828255,"website":"WWW.TCURC.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"BRENDA BELLAR","year_formation":1991,"state_legal_domicile":"TN","total_volunteers":6,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"3564 TOM AUSTIN HWY, SPRINGFIELD, TN, 37172, USA","city":"SPRINGFIELD","state":"TN","country":"USA","zip_code":37172},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":50,"Total Gross UBI":0,"Net unrelated business taxable income":null,"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":5294390,"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":4090677,"Total revenue":{"value":4090677,"INTEREST ON LOANS":3342699,"FEE INCOME":747978},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":524086,"Investment income total":524086,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":679627,"Other total":679627,"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":4239785,"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":2077302,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":1830058,"Pension plan contributions":33672,"Other employee benefits":69951,"Payroll taxes":143621},"Other expenses":{"value":2162483,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":809397,"Information technology":0,"Royalties":0,"Occupancy":329596,"Travel":0,"Conferences and meetings":4460,"Interest":100392,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":873232,"PROVISION FOR LOAN LOSSES":383840,"PROF & OUTSIDE SERVICES":293890,"LOAN SERVICING EXP":101566,"MISC OPERATING EXP":93936},"All other expenses":45406},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":4239785,"Fundraising Expenses":0}},"Assets":{"value":86365962,"Non-interest bearing cash":17655786,"Savings and temp cash investments":11291000,"Pledges and grants receivable":0,"Accounts receivable":50568089,"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":152674,"Land, building, equipment":3459535,"Investments publicly traded":0,"Investments other":2195989,"Investments program related":0,"Intangible assets":0,"Other assets":1042889},"Liabilities":{"value":77187670,"Sum of Total Liabilities":0,"Accounts payable, accrued":1167477,"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":76020193},"Fund balance":{"value":9178292,"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":0.19919291929759614,"percentile":0.7554839026559512},"Liabilities to Assets Ratio":{"score":0.8937279017398081,"percentile":0.06569867575172106},"Operating Reserve Ratio":{"score":20.370363591550042,"percentile":0.9471133180377179},"Officer Compensation Ratio":{"score":0.16971473789354885,"percentile":0.3696427969663212},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0565339335240252,"percentile":0.6328421874260712},"Asset Growth":{"score":0.086280879798808,"percentile":0.6468012045439826},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5514009905143678,"percentile":0.4614818504902524}},"source_xml":"202330939349301628_public.xml"},{"Organization":{"value":null,"Person":["BRENDA BELLAR","SHANNON PLUNKETT","TERESA LABORG","MARILYN WORSHAM","WANDA MASON","RHEA ANN PENDLEY","MARK REID"],"Title":["PRES/CEO/TRE","VP OF FINANC","BOD CHAIR/SC","VICE CHAIR/P","BOARD SECRET","BOARD MEM/SC","BOARD MEMBER"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[123905,86742,0,0,0,0,0],"Direct compensation":[101589,86148,0,0,0,0,0],"Other compensation":[22316,594,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2023,"name":"THE CREDIT UNION FOR ROBERTSON COUNTY","phone":6153828255,"website":"WWW.TCURC.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"BRENDA BELLAR","year_formation":1991,"state_legal_domicile":"TN","total_volunteers":5,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"3564 TOM AUSTIN HWY, SPRINGFIELD, TN, 37172, USA","city":"SPRINGFIELD","state":"TN","country":"USA","zip_code":37172},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":5,"Number of employees total":52,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":52,"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":6256723,"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":4732072,"Total revenue":{"value":4732072,"INTEREST ON LOANS":3925979,"FEE INCOME":806093},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":712679,"Investment income total":712679,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":811972,"Other total":811972,"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":5280015,"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":2289081,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":2004067,"Pension plan contributions":44948,"Other employee benefits":83831,"Payroll taxes":156235},"Other expenses":{"value":2990934,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":864488,"Information technology":0,"Royalties":0,"Occupancy":333915,"Travel":0,"Conferences and meetings":25469,"Interest":539512,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1140060,"PROVISION FOR LOAN LOSSES":697204,"MISC OPERATING EXP":160290,"PROF & OUTSIDE SERVICES":160107,"LOAN SERVICING EXP":122459},"All other expenses":87490},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":5280015,"Fundraising Expenses":0}},"Assets":{"value":82577595,"Non-interest bearing cash":10253646,"Savings and temp cash investments":8310000,"Pledges and grants receivable":0,"Accounts receivable":57000585,"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":151426,"Land, building, equipment":3533375,"Investments publicly traded":0,"Investments other":2297890,"Investments program related":0,"Intangible assets":0,"Other assets":1030673},"Liabilities":{"value":72960703,"Sum of Total Liabilities":0,"Accounts payable, accrued":1392920,"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":71567783},"Fund balance":{"value":9616892,"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":0.15610536058572513,"percentile":0.7065045420741809},"Liabilities to Assets Ratio":{"score":0.8835411469660748,"percentile":0.06731465686057621},"Operating Reserve Ratio":{"score":15.639651591898886,"percentile":0.9292183371969818},"Officer Compensation Ratio":{"score":0.03989515181301568,"percentile":0.8079169855441658},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06496882925156393,"percentile":0.6641777610544225},"Asset Growth":{"score":0.08090316277215535,"percentile":0.6313647956573167},"Independent Voting Board Pct":{"score":0.8333333333333334,"percentile":0.20587825144360158},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5698043299640764,"percentile":0.5162316566551002}},"source_xml":"202431169349301898_public.xml"},{"Organization":{"value":null,"Person":["WANDA MASON","SHANNON PLUNKETT","BRENDA BELLAR","TERESA LABORG","CHERYL COVINGTON","MARILYN WORSHAM","ALFRED BOYTER","RHEA ANN PENDLEY","MARK REID"],"Title":["PRESIDENT/CE","CONTROLLER","SVP, DIR OF","BOARD CHAIR/","BOARD MEM/LE","VICE CHAIR/P","BOARD MEM","BOARD MEM/SC","BOARD MEMBER"],"Hours":[40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[187423,76880,77688,0,0,0,0,0,0],"Direct compensation":[165037,76243,76912,0,0,0,0,0,0],"Other compensation":[22386,637,776,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2020,"name":"THE CREDIT UNION FOR ROBERTSON COUNTY","phone":6153828255,"website":"WWW.TCURC.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"WANDA MASON","year_formation":1991,"state_legal_domicile":"TN","total_volunteers":6,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"2416 MEMORIAL BLVD, SPRINGFIELD, TN, 37172, USA","city":"SPRINGFIELD","state":"TN","country":"USA","zip_code":37172},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":58,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":58,"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":4459903,"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":3465593,"Total revenue":{"value":3465593,"INTEREST ON LOANS":2793862,"FEE INCOME":671731},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":258254,"Investment income total":258254,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":736056,"Other total":736056,"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":4078659,"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":2087084,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":1859754,"Pension plan contributions":36142,"Other employee benefits":57677,"Payroll taxes":133511},"Other expenses":{"value":1991575,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":608103,"Information technology":0,"Royalties":0,"Occupancy":298765,"Travel":0,"Conferences and meetings":11585,"Interest":341185,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":683812,"PROVISION FOR LOAN LOSSES":350408,"PROF & OUTSIDE SERVICES":203056,"LOAN SERVICING EXP":75536,"EDUCATIONAL & PROMO":54812},"All other expenses":48125},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":4078659,"Fundraising Expenses":0}},"Assets":{"value":69404196,"Non-interest bearing cash":21363902,"Savings and temp cash investments":4158924,"Pledges and grants receivable":0,"Accounts receivable":39041970,"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":147997,"Land, building, equipment":2219400,"Investments publicly traded":0,"Investments other":1740055,"Investments program related":0,"Intangible assets":0,"Other assets":731948},"Liabilities":{"value":62049918,"Sum of Total Liabilities":0,"Accounts payable, accrued":374998,"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":61674920},"Fund balance":{"value":7354278,"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":0.08548257663899865,"percentile":0.5973351833286832},"Liabilities to Assets Ratio":{"score":0.8940369830089235,"percentile":0.06564828516320816},"Operating Reserve Ratio":{"score":17.01642525153488,"percentile":0.9352451033787843},"Officer Compensation Ratio":{"score":0.08384888268423518,"percentile":0.6094907711520176},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.05281464448383521,"percentile":0.6179849047454667},"Asset Growth":{"score":0.07492034832440514,"percentile":0.6133288774588731},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5324159424882657,"percentile":0.4071252142085916}},"source_xml":"202131379349301623_public.xml"},{"Organization":{"value":null,"Person":["WANDA MASON","SHANNON PLUNKETT","TERESA LABORG","MARILYN WORSHAM","CHERYL COVINGTON","RHEA ANN PENDLEY","ALFRED BOYTER","MARK REID"],"Title":["PRESIDENT/CE","CONTROLLER","BOARD CHAIR/","VICE CHAIR/P","BOARD MEM/LE","BOARD MEM/ME","BOARD MEMBER","BOARD MEMBER"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[193589,80390,0,0,0,0,0,0],"Direct compensation":[162547,78633,0,0,0,0,0,0],"Other compensation":[31042,1757,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2018,"name":"THE CREDIT UNION FOR ROBERTSON COUNTY","phone":6153828255,"website":"WWW.TCURC.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"WANDA MASON","year_formation":1991,"state_legal_domicile":"TN","total_volunteers":7,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"2416 MEMORIAL BLVD, SPRINGFIELD, TN, 37172, USA","city":"SPRINGFIELD","state":"TN","country":"USA","zip_code":37172},"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":0,"Net unrelated business taxable income":null,"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":4350088,"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":3571632,"Total revenue":{"value":3571632,"INTEREST ON LOANS":2767065,"FEE INCOME":804567},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":263734,"Investment income total":263734,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":514722,"Other total":514722,"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":3943133,"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":2100945,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":1846889,"Pension plan contributions":51826,"Other employee benefits":75272,"Payroll taxes":126958},"Other expenses":{"value":1842188,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":614228,"Information technology":0,"Royalties":0,"Occupancy":320019,"Travel":0,"Conferences and meetings":23018,"Interest":229127,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":597697,"PROVISION FOR LOAN LOSSES":421964,"EDUCATIONAL & PROMO":65056,"LOAN SERVICING EXP":63353,"PROF & OUTSIDE SERVICES":47324},"All other expenses":58099},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":3943133,"Fundraising Expenses":0}},"Assets":{"value":54409375,"Non-interest bearing cash":3871318,"Savings and temp cash investments":7085339,"Pledges and grants receivable":0,"Accounts receivable":38462536,"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":176398,"Land, building, equipment":2306651,"Investments publicly traded":0,"Investments other":1840055,"Investments program related":0,"Intangible assets":0,"Other assets":667078},"Liabilities":{"value":47742787,"Sum of Total Liabilities":0,"Accounts payable, accrued":1384585,"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":46358202},"Fund balance":{"value":6666588,"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":0.09355098103762499,"percentile":0.6119509753949668},"Liabilities to Assets Ratio":{"score":0.8774735420136696,"percentile":0.06826122153341428},"Operating Reserve Ratio":{"score":13.798513770648873,"percentile":0.9198942496744815},"Officer Compensation Ratio":{"score":0.06948256627407698,"percentile":0.6672218024787709},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.05741253242381255,"percentile":0.6362465847539553},"Asset Growth":{"score":0.0648915188986996,"percentile":0.580760434974839},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6057054386229391,"percentile":0.6221039468376722}},"source_xml":"201931359349313193_public.xml"},{"Organization":{"value":null,"Person":["CHERYL COVINGTON","CAROLYN MITCHELL","RHEA ANN PENDLEY","RANDY WILLIAMSON","MARILYN WORSHAM","WANDA MASON","PEGGY MORELAND"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","BOARD CHAIRP","BOARD VICE C","PRESIDENT/CE","VICE PRESIDE"],"Hours":[1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,301133,64000],"Direct compensation":[0,0,0,0,0,263133,62000],"Other compensation":[0,0,0,0,0,38000,2000]},"Basic":{"value":null,"mission":"Credit union - to provide services for approximately 6,500 members in the form of loans, savings, and other financial services.","year":2013,"name":"THE CREDIT UNION FOR ROBERTSON COUNTY","phone":6153828255,"website":"WWW.TCURC.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"WANDA E MASON","year_formation":1991,"state_legal_domicile":"TN","total_volunteers":7,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"2416 MEMORIAL BLVD, SPRINGFIELD, TN, 37172, USA","city":"SPRINGFIELD","state":"TN","country":"USA","zip_code":37172},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":40,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":40,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3318068,"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":3170859,"Total revenue":{"value":3170859,"INTEREST ON LOANS":2151569,"FEES TO MEMBERS":1019290},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":147209,"Investment income total":147209,"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":2906745,"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":1598847,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":1246156,"Pension plan contributions":149880,"Other employee benefits":116440,"Payroll taxes":86371},"Other expenses":{"value":1307898,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":431098,"Information technology":0,"Royalties":0,"Occupancy":215841,"Travel":24203,"Conferences and meetings":0,"Interest":178200,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":26975,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":409540,"PROVISION FOR LOAN LOSSES":236000,"EDUCATIONAL & PROMO":75456,"LOAN SERVICING EXP":74199,"MISC OPERATING EXP":23885},"All other expenses":22041},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":2906745,"Fundraising Expenses":0}},"Assets":{"value":40029125,"Non-interest bearing cash":3058493,"Savings and temp cash investments":5398929,"Pledges and grants receivable":0,"Accounts receivable":27109611,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":17021,"Prepaid expenses deferred charges":90378,"Land, building, equipment":2201691,"Investments publicly traded":0,"Investments other":1688679,"Investments program related":0,"Intangible assets":0,"Other assets":464323},"Liabilities":{"value":35177478,"Sum of Total Liabilities":0,"Accounts payable, accrued":865507,"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":34311971},"Fund balance":{"value":4851647,"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":0.12396460832026347,"percentile":0.6618609042898466},"Liabilities to Assets Ratio":{"score":0.8787970758791255,"percentile":0.06806785277099076},"Operating Reserve Ratio":{"score":13.771116833433961,"percentile":0.9197356080189012},"Officer Compensation Ratio":{"score":0.1256157660888726,"percentile":0.4739461414072546},"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":0.6006443404911177,"percentile":0.6074022729858893}},"source_xml":"201441359349309044_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["BRENDA BELLAR","SHANNON PLUNKETT","SAMANTHA WHITBY","PEGGY MORELAND","TERESA LABORG","MARILYN WORSHAM","WANDA MASON","RHEA ANN PENDLEY","MARK REID","BAYARD SHELTON"],"Title":["PRES/CEO/TRE","VP IT AND MA","CONTROLLER","LOAN OFFICER","BOD CHAIR/SC","VICE CHAIR/P","BOARD SECRET","BOARD MEM/SC","BOARD MEMBER","BOARD MEMBER"],"Hours":[40.0,40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[164273,108038,105458,212162,0,0,0,0,0,0],"Direct compensation":[138216,101607,98447,108019,0,0,0,0,0,0],"Other compensation":[26057,6431,7011,104143,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2025,"name":"THE CREDIT UNION FOR ROBERTSON COUNTY","phone":6153828255,"website":"WWW.TCURC.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"BRENDA BELLAR","year_formation":1991,"state_legal_domicile":"TN","total_volunteers":6,"tax_period_begin":"2025-01-01T00:00:00","tax_period_end":"2025-12-31T00:00:00","address":"3564 TOM AUSTIN HWY, SPRINGFIELD, TN, 37172, USA","city":"SPRINGFIELD","state":"TN","country":"USA","zip_code":37172},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":59,"Total Gross UBI":0,"Net unrelated business taxable income":null,"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":6762060,"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":5244220,"Total revenue":{"value":5244220,"INTEREST ON LOANS":4307772,"FEE INCOME":936448},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":751880,"Investment income total":751880,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":765960,"Other total":765960,"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":6115914,"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":2888615,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":2424485,"Pension plan contributions":80822,"Other employee benefits":197550,"Payroll taxes":185758},"Other expenses":{"value":3227299,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":344899,"Information technology":0,"Royalties":0,"Occupancy":986856,"Travel":0,"Conferences and meetings":36891,"Interest":728294,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1061070,"PROVISION FOR LOAN LOSSES":635062,"PROF & OUTSIDE SERVICES":203700,"LOAN SERVICING EXP":143695,"EDUCATIONAL & PROMO":78613},"All other expenses":69289},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":6115914,"Fundraising Expenses":0}},"Assets":{"value":83568581,"Non-interest bearing cash":12120279,"Savings and temp cash investments":7469000,"Pledges and grants receivable":0,"Accounts receivable":57170603,"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":143313,"Land, building, equipment":3287153,"Investments publicly traded":0,"Investments other":2518490,"Investments program related":0,"Intangible assets":0,"Other assets":859743},"Liabilities":{"value":72874852,"Sum of Total Liabilities":0,"Accounts payable, accrued":1143924,"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":71730928},"Fund balance":{"value":10693729,"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":0.09555460909841083,"percentile":0.6154561975625469},"Liabilities to Assets Ratio":{"score":0.8720364894074245,"percentile":0.06907402582292338},"Operating Reserve Ratio":{"score":13.66411970475713,"percentile":0.9191319613625721},"Officer Compensation Ratio":{"score":0.0964583543849701,"percentile":0.5639025624320223},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06726254956284951,"percentile":0.6721923730861113},"Asset Growth":{"score":0.06820307176493025,"percentile":0.5918265730297545},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6041945849866865,"percentile":0.6177440808034105}},"source_xml":"202620829349300907_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}