{"success":true,"data":{"_id":630317160,"filings":[{"Organization":{"value":null,"Person":["JAMES HILDRETH","DEBRA BRADSHAW","THOMAS POND","CURTIS FLAKES","BETSY HICKS"],"Title":["BOARD PRESIDENT","BOARD VICE-PRESIDENT","BOARD SECRETARY/TREASURER","BOARD MEMBER","BOARD MEMBER"],"Hours":[1.0,1.0,30.0,1.0,1.0],"Total Compensation":[0,0,61880,0,0],"Direct compensation":[0,0,61880,0,0],"Other compensation":[0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide thrift opportunities and low cost loans to members","year":2014,"name":"MOBILE GOVERNMENT EMPLOYEES CREDIT UNION","phone":2516944100,"website":"WWW.MOBGECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TOMMY POND","year_formation":1928,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"PO BOX 2288, MOBILE, AL, 366280001, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366280001},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"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":585509,"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":374689,"Total revenue":374689,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":206271,"Investment income total":206271,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":4549,"Other total":4549,"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":523457,"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":244977,"Current officers":61880,"Disqualified persons":0,"Other salaries and wages":165140,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":17957},"Other expenses":{"value":278480,"Management services":0,"Legal":490,"Accounting":4236,"Lobbying services":0,"Investment management fees":1440,"Other services":0,"Advertising":0,"Office expenses":10365,"Information technology":34545,"Royalties":0,"Occupancy":0,"Travel":1043,"Conferences and meetings":0,"Interest":199053,"Payments to affiliates":0,"Depreciation and depletion":352,"Insurance":10636,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":16320,"EDUCATION":10492,"DUES":5828},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":21850300,"Non-interest bearing cash":17339,"Savings and temp cash investments":14285043,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":7275405,"Inventories for sale or use":0,"Prepaid expenses deferred charges":28038,"Land, building, equipment":12309,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":232166},"Liabilities":{"value":18616766,"Sum of Total Liabilities":0,"Accounts payable, accrued":118105,"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":18498661},"Fund balance":{"value":3233534,"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":0.10597958357599968,"percentile":0.6333764650183964},"Liabilities to Assets Ratio":{"score":0.8520142057546121,"percentile":0.07192232311264714},"Operating Reserve Ratio":{"score":41.74230165992622,"percentile":0.9772265356360692},"Officer Compensation Ratio":{"score":0.11821410354623207,"percentile":0.49507728027732695},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5168968745935326,"percentile":0.3651758275316111}},"source_xml":"201511469349300241_public.xml"},{"Organization":{"value":null,"Person":["JAMES HILDRETH","DEBRA BRADSHAW","ELIZABETH BATTLES","CURTIS FLAKES","BETSY HICKS"],"Title":["BOARD PRESIDENT","BOARD VICE-PRESIDENT","BOARD SECRETARY/TREASURER","BOARD MEMBER","BOARD MEMBER"],"Hours":[1.0,1.0,30.0,1.0,1.0],"Total Compensation":[0,0,64480,0,0],"Direct compensation":[0,0,64480,0,0],"Other compensation":[0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide thrift opportunities and low cost loans to members","year":2017,"name":"MOBILE GOVERNMENT EMPLOYEES CREDIT UNION","phone":2516944100,"website":"WWW.MOBGECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ELIZABETH BATTLES","year_formation":1928,"state_legal_domicile":"AL","total_volunteers":7,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"PO BOX 2288, MOBILE, AL, 366280001, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366280001},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":5,"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":530806,"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":241677,"Total revenue":241677,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":286216,"Investment income total":286216,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2913,"Other total":2913,"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":533016,"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":252097,"Current officers":64480,"Disqualified persons":0,"Other salaries and wages":169260,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":18357},"Other expenses":{"value":280919,"Management services":0,"Legal":681,"Accounting":6962,"Lobbying services":0,"Investment management fees":1483,"Other services":0,"Advertising":0,"Office expenses":15565,"Information technology":33927,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":167151,"Payments to affiliates":0,"Depreciation and depletion":4619,"Insurance":9266,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":41265,"BAD DEBTS":28500,"DUES":6255,"SUPERVISORY COMMITTEE":4450,"EDUCATION":2060},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":22130277,"Non-interest bearing cash":76255,"Savings and temp cash investments":16582037,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":5185612,"Inventories for sale or use":0,"Prepaid expenses deferred charges":30372,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":256001},"Liabilities":{"value":18886685,"Sum of Total Liabilities":0,"Accounts payable, accrued":55866,"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":18830819},"Fund balance":{"value":3243592,"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":-0.00416347968937804,"percentile":0.3746599278249097},"Liabilities to Assets Ratio":{"score":0.8534319294783341,"percentile":0.07172690595231658},"Operating Reserve Ratio":{"score":41.5189731640326,"percentile":0.9771030578633818},"Officer Compensation Ratio":{"score":0.12097197832710463,"percentile":0.487149745524767},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.035347378533975946,"percentile":0.2532406866915781},"Asset Growth":{"score":-0.009509589035201453,"percentile":0.28215638156826783},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4268352224101307,"percentile":0.16728318610794413}},"source_xml":"201810969349301056_public.xml"},{"Organization":{"value":null,"Person":["WINIFRED MAIBEN","DEBRA BRADSHAW","JANET DRISKELL","CURTIS FLAKES","BETSY HICKS","BRIAN IVEY","LAUREN LOCKLIER","CLARA POTTER","SONYA RODGERS","LITA TROTTER","KAREN WILLIAMS"],"Title":["MANAGER/BOD","BOARD MEMBER","BOARD PRESID","BOARD VICE P","BOARD MEMBER","SUPERVI COMM","CREDIT COMM","SUPERVISORY","CREDIT COMM","SUPERVISORY","CREDIT COMM"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[59940,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[59940,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2024,"name":"MOBILE GOVERNMENT EMPLOYEES CREDIT UNION","phone":2516944100,"website":"HTTP://MOBGECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"WINIFRED MAIBEN","year_formation":1928,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO BOX 2288, MOBILE, AL, 366280001, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366280001},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":4,"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":635507,"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":178610,"Total revenue":{"value":178610,"INTEREST ON LOANS":172817,"FEE INCOME":5793},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":456897,"Investment income total":456897,"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":619137,"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":241799,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":224400,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":17399},"Other expenses":{"value":377338,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":31435,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":274332,"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":71571,"PROFESSIONAL AND OUTSIDE":52591,"OPERATING FEES":10122,"MISC OP EXP":5831,"EDUCATIONAL AND PROMOTION":3027},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":619137,"Fundraising Expenses":0}},"Assets":{"value":16685016,"Non-interest bearing cash":345244,"Savings and temp cash investments":12101015,"Pledges and grants receivable":0,"Accounts receivable":3562094,"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":9422,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":420000,"Investments program related":0,"Intangible assets":0,"Other assets":247241},"Liabilities":{"value":13456173,"Sum of Total Liabilities":0,"Accounts payable, accrued":34929,"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":13421244},"Fund balance":{"value":3228843,"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":0.025758960955583495,"percentile":0.46718279308672933},"Liabilities to Assets Ratio":{"score":0.8064824750542643,"percentile":0.07807263782850157},"Operating Reserve Ratio":{"score":26.948827157801908,"percentile":0.9625316702298727},"Officer Compensation Ratio":{"score":0.096812175657407,"percentile":0.5627167532662254},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.0018664776510173575,"percentile":0.3613955341362224},"Asset Growth":{"score":-0.010297095472962666,"percentile":0.27931940629584784},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4590302679356684,"percentile":0.2294394249400496}},"source_xml":"202531339349303683_public.xml"},{"Organization":{"value":null,"Person":["WINIFRED MAIBEN","DEBRA BRADSHAW","JANET DRISKELL","CURTIS FLAKES","BETSY HICKS","BRIAN IVEY","LAUREN LOCKLIER","CLARA POTTER","SONYA RODGERS","LITA TROTTER","KAREN WILLIAMS"],"Title":["MANAGER/BOD","BOARD MEMBER","BOARD PRESID","BOARD VICE P","BOARD MEMBER","SUPERVI COMM","CREDIT COMM","SUPERVISORY","CREDIT COMM","SUPERVISORY","CREDIT COMM"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[74880,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[74880,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2023,"name":"MOBILE GOVERNMENT EMPLOYEES CREDIT UNION","phone":2516944100,"website":"HTTP://MOBGECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"WINIFRED MAIBEN","year_formation":1928,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"PO BOX 2288, MOBILE, AL, 366280001, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366280001},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":4,"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":620832,"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":158334,"Total revenue":{"value":158334,"INTEREST ON LOANS":154042,"FEE INCOME":4292},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":462498,"Investment income total":462498,"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":620385,"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":240833,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":252720,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":-11887},"Other expenses":{"value":379552,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":24384,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":284846,"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":70322,"PROFESSIONAL AND OUTSIDE":52034,"OPERATING FEES":8444,"MISC OP EXP":6774,"EDUCATIONAL AND PROMOTION":3070},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":620385,"Fundraising Expenses":0}},"Assets":{"value":20865997,"Non-interest bearing cash":131777,"Savings and temp cash investments":16317015,"Pledges and grants receivable":0,"Accounts receivable":3717871,"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":11539,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":420000,"Investments program related":0,"Intangible assets":0,"Other assets":267795},"Liabilities":{"value":17653524,"Sum of Total Liabilities":0,"Accounts payable, accrued":180206,"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":800000,"Other liabilities":16673318},"Fund balance":{"value":3212473,"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":0.0007200015463120458,"percentile":0.39700905643104023},"Liabilities to Assets Ratio":{"score":0.8460426789096155,"percentile":0.07273615160110974},"Operating Reserve Ratio":{"score":33.633948274055626,"percentile":0.9712688846723666},"Officer Compensation Ratio":{"score":0.1206992432118765,"percentile":0.48792872642239715},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.011830430351100884,"percentile":0.32351797429400053},"Asset Growth":{"score":-0.0012373312200008972,"percentile":0.313882058199066},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4397833959081603,"percentile":0.19147213323459422}},"source_xml":"202401169349302450_public.xml"},{"Organization":{"value":null,"Person":["ELIZABETH BATTLES","JAMES HILDRETH","DEBRA BRADSHAW","CURTIS FLAKES","BETSY HICKS"],"Title":["MANAGER, BOARD SECRETARY/TREASURER","BOARD PRESIDENT","BOARD VICE-PRESIDENT","BOARD MEMBER","BOARD MEMBER"],"Hours":[30.0,1.0,1.0,1.0,1.0],"Total Compensation":[67080,0,0,0,0],"Direct compensation":[67080,0,0,0,0],"Other compensation":[0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide thrift opportunities and low cost loans to members","year":2019,"name":"MOBILE GOVERNMENT EMPLOYEES CREDIT UNION","phone":2516944100,"website":"WWW.MOBGECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ELIZABETH BATTLES","year_formation":1928,"state_legal_domicile":"AL","total_volunteers":7,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"PO BOX 2288, MOBILE, AL, 366280001, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366280001},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":5,"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":567875,"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":202537,"Total revenue":202537,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":358408,"Investment income total":358408,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":6930,"Other total":6930,"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":565395,"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":265707,"Current officers":67080,"Disqualified persons":0,"Other salaries and wages":179540,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":19087},"Other expenses":{"value":299688,"Management services":0,"Legal":0,"Accounting":7284,"Lobbying services":0,"Investment management fees":1483,"Other services":0,"Advertising":0,"Office expenses":16814,"Information technology":39214,"Royalties":0,"Occupancy":0,"Travel":2823,"Conferences and meetings":0,"Interest":208016,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":9580,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":14474,"DUES":6506,"SUPERVISORY COMMITTEE":5045,"EDUCATIONAL & PROMOTION":2674,"STATE EXCISE TAX":249},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":20154673,"Non-interest bearing cash":17872,"Savings and temp cash investments":15335781,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":4529535,"Inventories for sale or use":0,"Prepaid expenses deferred charges":27853,"Land, building, equipment":520,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":243112},"Liabilities":{"value":16908652,"Sum of Total Liabilities":0,"Accounts payable, accrued":116241,"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":16792411},"Fund balance":{"value":3246021,"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":0.00436715826546335,"percentile":0.40867152711640603},"Liabilities to Assets Ratio":{"score":0.8389444968916142,"percentile":0.07370586317029724},"Operating Reserve Ratio":{"score":35.64706621034852,"percentile":0.9730893229315604},"Officer Compensation Ratio":{"score":0.11864271880720559,"percentile":0.49377669963131493},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.005708840854172174,"percentile":0.34605502861121584},"Asset Growth":{"score":-0.01840700649715919,"percentile":0.2511770265280598},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4408446328037813,"percentile":0.1934767796786766}},"source_xml":"202041889349300034_public.xml"},{"Organization":{"value":null,"Person":["JAMES HILDRETH","DEBRA BRADSHAW","THOMAS POND","CURTIS FLAKES","BETSY HICKS"],"Title":["BOARD PRESIDENT","BOARD VICE-PRESIDENT","BOARD SECRETARY/TREASURER","BOARD MEMBER","BOARD MEMBER"],"Hours":[1.0,1.0,30.0,1.0,1.0],"Total Compensation":[0,0,62660,0,0],"Direct compensation":[0,0,62660,0,0],"Other compensation":[0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide thrift opportunities and low cost loans to members","year":2015,"name":"MOBILE GOVERNMENT EMPLOYEES CREDIT UNION","phone":2516944100,"website":"WWW.MOBGECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ELIZABETH BATTLES","year_formation":1928,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"PO BOX 2288, MOBILE, AL, 366280001, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366280001},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"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":537251,"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":328711,"Total revenue":328711,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":206580,"Investment income total":206580,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1960,"Other total":1960,"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":528346,"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":248043,"Current officers":62660,"Disqualified persons":0,"Other salaries and wages":167057,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":18326},"Other expenses":{"value":280303,"Management services":0,"Legal":0,"Accounting":5429,"Lobbying services":0,"Investment management fees":1440,"Other services":0,"Advertising":0,"Office expenses":13229,"Information technology":31277,"Royalties":0,"Occupancy":0,"Travel":3553,"Conferences and meetings":0,"Interest":189358,"Payments to affiliates":0,"Depreciation and depletion":4220,"Insurance":10120,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":21677,"SUPERVISORY COMMITTEE":9619,"DUES":6456,"EDUCATION":5602},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":21677940,"Non-interest bearing cash":41925,"Savings and temp cash investments":15259612,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":6109064,"Inventories for sale or use":0,"Prepaid expenses deferred charges":25944,"Land, building, equipment":8088,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":233307},"Liabilities":{"value":18435501,"Sum of Total Liabilities":0,"Accounts payable, accrued":32099,"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":18403402},"Fund balance":{"value":3242439,"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":0.016575120381348753,"percentile":0.4431771469052693},"Liabilities to Assets Ratio":{"score":0.8504267933207675,"percentile":0.07214170652848993},"Operating Reserve Ratio":{"score":41.0298175816605,"percentile":0.9768189175223043},"Officer Compensation Ratio":{"score":0.11859652576152749,"percentile":0.4939217512467357},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.04722366947865512,"percentile":0.22573506005709645},"Asset Growth":{"score":-0.033319111775863455,"percentile":0.20337431560319577},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.43243917582374947,"percentile":0.17753800058915487}},"source_xml":"201600789349301005_public.xml"},{"Organization":{"value":null,"Person":["WINIFRED MAIBEN","DEBRA BRADSHAW","JANET DRISKELL","CURTIS FLAKES","BETSY HICKS","BRIAN IVEY","LAUREN LOCKLIER","CLARA POTTER","SONYA RODGERS","LITA TROTTER","KAREN WILLIAMS"],"Title":["MANAGER/BOD","BOARD MEM","BOARD PRESID","BOARD VICE P","BOARD MEMBER","SUPERVI COMM","CREDIT COMM","SUPERVISORY","CREDIT COMM","SUPERVISORY","CREDIT COMM"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[71620,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[71620,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2022,"name":"MOBILE GOVERNMENT EMPLOYEES CREDIT UNION","phone":2516944100,"website":"HTTP://MOBGECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"WINIFRED MAIBEN","year_formation":1928,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"PO BOX 2288, MOBILE, AL, 366280001, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366280001},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":4,"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":482433,"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":122232,"Total revenue":{"value":122232,"INTEREST ON LOANS":112865,"FEE INCOME":9367},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":360201,"Investment income total":360201,"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":474261,"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":210253,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":241600,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":-31347},"Other expenses":{"value":264008,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":22772,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":174767,"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":66469,"PROFESSIONAL AND OUTSIDE":50328,"OPERATING FEES":8706,"MISC OP EXP":4909,"EDUCATIONAL AND PROMOTION":2526},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":474261,"Fundraising Expenses":0}},"Assets":{"value":22863008,"Non-interest bearing cash":77480,"Savings and temp cash investments":18797015,"Pledges and grants receivable":0,"Accounts receivable":3279245,"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":10323,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":420000,"Investments program related":0,"Intangible assets":0,"Other assets":278945},"Liabilities":{"value":19630982,"Sum of Total Liabilities":0,"Accounts payable, accrued":153927,"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":19477055},"Fund balance":{"value":3232026,"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":0.016939139735465857,"percentile":0.44415581292356804},"Liabilities to Assets Ratio":{"score":0.8586351367239167,"percentile":0.07099788113720497},"Operating Reserve Ratio":{"score":48.20764937450054,"percentile":0.98025406511664},"Officer Compensation Ratio":{"score":0.1510138931938321,"percentile":0.40988998054745507},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.026863822556845083,"percentile":0.2758902876967712},"Asset Growth":{"score":0.0014534198642964468,"percentile":0.32615431025951075},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.44020317010115334,"percentile":0.19226507249544686}},"source_xml":"202310729349301851_public.xml"},{"Organization":{"value":null,"Person":["ELIZABETH BATTLES","JAMES HILDRETH","DEBRA BRADSHAW","CURTIS FLAKES","BETSY HICKS"],"Title":["MANAGER, TREASURER","BOARD PRESIDENT","BOARD VICE-PRESIDENT","BOARD MEMBER","BOARD MEMBER"],"Hours":[30.0,1.0,1.0,1.0,1.0],"Total Compensation":[69160,0,0,0,0],"Direct compensation":[69160,0,0,0,0],"Other compensation":[0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide thrift opportunities and low cost loans to members","year":2020,"name":"MOBILE GOVERNMENT EMPLOYEES CREDIT UNION","phone":2516944100,"website":"WWW.MOBGECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"WINIFRED MAIBEN","year_formation":1928,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"PO BOX 2288, MOBILE, AL, 366280001, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366280001},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":5,"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":478105,"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":164973,"Total revenue":164973,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":310693,"Investment income total":310693,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2439,"Other total":2439,"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":481825,"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":253684,"Current officers":69160,"Disqualified persons":0,"Other salaries and wages":166060,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":18464},"Other expenses":{"value":228141,"Management services":0,"Legal":280,"Accounting":8595,"Lobbying services":0,"Investment management fees":1483,"Other services":0,"Advertising":0,"Office expenses":16527,"Information technology":46193,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":132009,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":9928,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":13126,"DUES":6127,"SUPERVISORY COMMITTEE E":5194,"EDUCATIONAL & PROMOTION":1805},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":22020717,"Non-interest bearing cash":71597,"Savings and temp cash investments":18194604,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":3507543,"Inventories for sale or use":0,"Prepaid expenses deferred charges":25703,"Land, building, equipment":130,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":221140},"Liabilities":{"value":18778416,"Sum of Total Liabilities":0,"Accounts payable, accrued":58607,"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":18719809},"Fund balance":{"value":3242301,"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":-0.007780717624789534,"percentile":0.3656198010915326},"Liabilities to Assets Ratio":{"score":0.8527613337930822,"percentile":0.07182563873143537},"Operating Reserve Ratio":{"score":45.70272816894101,"percentile":0.9792294623220005},"Officer Compensation Ratio":{"score":0.1435375914491776,"percentile":0.42747394809496436},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.015972719613319763,"percentile":0.30937124756883755},"Asset Growth":{"score":-0.010699978244694567,"percentile":0.27786180826824514},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4268941776420929,"percentile":0.1673901779123719}},"source_xml":"202101339349304175_public.xml"},{"Organization":{"value":null,"Person":["BERNARD DIPIRRO","DEBRA BRADSHAW","THOMAS POND","CURTIS FLAKES","JAMES HILDRETH"],"Title":["BOARD PRESIDENT","BOARD VICE-PRESIDENT","BOARD SECRETARY/TREASURER","BOARD MEMBER","BOARD MEMBER"],"Hours":[1.0,1.0,30.0,1.0,1.0],"Total Compensation":[0,0,60840,0,0],"Direct compensation":[0,0,60840,0,0],"Other compensation":[0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide thrift opportunities and low cost loans to members","year":2013,"name":"MOBILE GOVERNMENT EMPLOYEES CREDIT UNION","phone":2516944100,"website":"WWW.MOBGECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TOMMY POND","year_formation":1928,"state_legal_domicile":"AL","total_volunteers":9,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"PO BOX 2288, MOBILE, AL, 366280001, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366280001},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":5,"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":591211,"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":370262,"Total revenue":370262,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":212881,"Investment income total":212881,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":8068,"Other total":8068,"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":497554,"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":237177,"Current officers":60840,"Disqualified persons":0,"Other salaries and wages":158860,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":17477},"Other expenses":{"value":260377,"Management services":0,"Legal":1138,"Accounting":3566,"Lobbying services":0,"Investment management fees":1440,"Other services":0,"Advertising":0,"Office expenses":9670,"Information technology":31817,"Royalties":0,"Occupancy":0,"Travel":539,"Conferences and meetings":0,"Interest":167083,"Payments to affiliates":0,"Depreciation and depletion":480,"Insurance":10115,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":34529,"STABILIZATION EXPENSE":11305,"EDUCATION":8341,"SUPERVISORY COMMITTEE":8150,"DUES":6733},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":23159252,"Non-interest bearing cash":3919,"Savings and temp cash investments":15716195,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":7192737,"Inventories for sale or use":0,"Prepaid expenses deferred charges":29663,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":216738},"Liabilities":{"value":19987770,"Sum of Total Liabilities":0,"Accounts payable, accrued":124927,"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":19862843},"Fund balance":{"value":3171482,"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":0.1584155233918178,"percentile":0.7094071163000474},"Liabilities to Assets Ratio":{"score":0.8630576669747365,"percentile":0.07036881813995638},"Operating Reserve Ratio":{"score":46.54620804977952,"percentile":0.9795784739642771},"Officer Compensation Ratio":{"score":0.12227818488043508,"percentile":0.4834399405727927},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5331097885857665,"percentile":0.40905126667297287}},"source_xml":"201411119349300236_public.xml"},{"Organization":{"value":null,"Person":["JAMES HILDRETH","DEBRA BRADSHAW","ELIZABETH BATTLES","CURTIS FLAKES","BETSY HICKS"],"Title":["BOARD PRESIDENT","BOARD VICE-PRESIDENT","BOARD SECRETARY/TREASURER","BOARD MEMBER","BOARD MEMBER"],"Hours":[1.0,1.0,30.0,1.0,1.0],"Total Compensation":[0,0,65650,0,0],"Direct compensation":[0,0,65650,0,0],"Other compensation":[0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide thrift opportunities and low cost loans to members","year":2018,"name":"MOBILE GOVERNMENT EMPLOYEES CREDIT UNION","phone":2516944100,"website":"WWW.MOBGECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ELIZABETH BATTLES","year_formation":1928,"state_legal_domicile":"AL","total_volunteers":7,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"PO BOX 2288, MOBILE, AL, 366280001, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366280001},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":5,"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":579169,"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":220139,"Total revenue":220139,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":339231,"Investment income total":339231,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":19799,"Other total":19799,"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":579220,"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":256849,"Current officers":65650,"Disqualified persons":0,"Other salaries and wages":172509,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":18690},"Other expenses":{"value":322371,"Management services":0,"Legal":1079,"Accounting":6836,"Lobbying services":0,"Investment management fees":1483,"Other services":0,"Advertising":0,"Office expenses":16535,"Information technology":36373,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":189328,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":9280,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":61457,"BAD DEBTS":46000,"DUES":6460,"SUPERVISORY COMMITTEE":4554,"EDUCATION":4443},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":20559698,"Non-interest bearing cash":11007,"Savings and temp cash investments":15517486,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":4748318,"Inventories for sale or use":0,"Prepaid expenses deferred charges":28904,"Land, building, equipment":909,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":253074},"Liabilities":{"value":17316157,"Sum of Total Liabilities":0,"Accounts payable, accrued":37934,"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":17278223},"Fund balance":{"value":3243541,"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":-8.805719919401763e-05,"percentile":0.38616832281060165},"Liabilities to Assets Ratio":{"score":0.8422379064128277,"percentile":0.07326361406216969},"Operating Reserve Ratio":{"score":35.495490487206936,"percentile":0.9729630158809391},"Officer Compensation Ratio":{"score":0.11334208072925658,"percentile":0.5096478859825928},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.012854420127282587,"percentile":0.31995483574202843},"Asset Growth":{"score":-0.015722745774426127,"percentile":0.2603053077707441},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.43554219467422506,"percentile":0.183408950874363}},"source_xml":"201930809349300713_public.xml"},{"Organization":{"value":null,"Person":["JAMES HILDRETH","DEBRA BRADSHAW","ELIZABETH BATTLES","CURTIS FLAKES","BETSY HICKS","THOMAS POND"],"Title":["BOARD PRESIDENT","BOARD VICE-PRESIDENT","BOARD SECRETARY/TREASURER","BOARD MEMBER","BOARD MEMBER","PART YEAR MANAGER"],"Hours":[1.0,1.0,30.0,1.0,1.0,30.0],"Total Compensation":[0,0,62520,0,0,30320],"Direct compensation":[0,0,62520,0,0,30320],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide thrift opportunities and low cost loans to members","year":2016,"name":"MOBILE GOVERNMENT EMPLOYEES CREDIT UNION","phone":2516944100,"website":"WWW.MOBGECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ELIZABETH BATTLES","year_formation":1928,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"PO BOX 2288, MOBILE, AL, 366280001, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366280001},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"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":511467,"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":265023,"Total revenue":265023,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":240214,"Investment income total":240214,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":6230,"Other total":6230,"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":508104,"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":248519,"Current officers":92840,"Disqualified persons":0,"Other salaries and wages":137500,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":18179},"Other expenses":{"value":259585,"Management services":0,"Legal":929,"Accounting":7313,"Lobbying services":0,"Investment management fees":1472,"Other services":0,"Advertising":0,"Office expenses":12472,"Information technology":32068,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":151245,"Payments to affiliates":0,"Depreciation and depletion":4902,"Insurance":9220,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":39964,"BAD DEBTS":23098,"DUES":6518,"SUPERVISORY COMMITTEE":5455,"EDUCATION":4893},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":21804309,"Non-interest bearing cash":64063,"Savings and temp cash investments":15859551,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":5595529,"Inventories for sale or use":0,"Prepaid expenses deferred charges":31844,"Land, building, equipment":4619,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":248703},"Liabilities":{"value":18558507,"Sum of Total Liabilities":0,"Accounts payable, accrued":83316,"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":18475191},"Fund balance":{"value":3245802,"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":0.006575204265377825,"percentile":0.4151873395426927},"Liabilities to Assets Ratio":{"score":0.8511394238634208,"percentile":0.07204235922999903},"Operating Reserve Ratio":{"score":42.91308275471163,"percentile":0.977871004731159},"Officer Compensation Ratio":{"score":0.18271849857509487,"percentile":0.34445216642157667},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.051673423389013755,"percentile":0.21646703627894892},"Asset Growth":{"score":-0.019152911126760774,"percentile":0.24863050548849158},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.41981049362610784,"percentile":0.15488333593646728}},"source_xml":"201720759349300232_public.xml"},{"Organization":{"value":null,"Person":["WINIFRED MAIBEN","DEBRA BRADSHAW","JANET DRISKELL","CURTIS FLAKES","BETSY HICKS","BRIAN IVEY","MARIE KLUSMAN","CLARA POTTER","SONYA RODGERS","LITA TROTTER","KAREN WILLIAMS"],"Title":["MANAGER/BOD","BOARD VICE P","BOARD PRESID","BOARD MEMBER","BOARD MEMBER","SUPERVI COMM","CREDIT COMM","SUPERVISORY","CREDIT COMM","SUPERVISORY","CREDIT COMM"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[67700,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[67700,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2021,"name":"MOBILE GOVERNMENT EMPLOYEES CREDIT UNION","phone":2516944100,"website":"HTTP://MOBGECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"WINIFRED MAIBEN","year_formation":1928,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"PO BOX 2288, MOBILE, AL, 366280001, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366280001},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":null,"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":403023,"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":131122,"Total revenue":{"value":131122,"INTEREST ON LOANS":130033,"FEE INCOME":1089},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":271901,"Investment income total":271901,"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":418968,"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":237325,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":219790,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":17535},"Other expenses":{"value":181643,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":18825,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":105863,"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":76955,"PROFESSIONAL AND OUTSIDE":59255,"OPERATING FEES":13049,"MISC OP EXP":2684,"EDUCATIONAL AND PROMOTION":1967},"All other expenses":-20000},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":418968,"Fundraising Expenses":0}},"Assets":{"value":23671029,"Non-interest bearing cash":2195865,"Savings and temp cash investments":9032945,"Pledges and grants receivable":0,"Accounts receivable":2848044,"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":11738,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":9346000,"Investments program related":0,"Intangible assets":0,"Other assets":236437},"Liabilities":{"value":20955660,"Sum of Total Liabilities":0,"Accounts payable, accrued":56831,"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":20898829},"Fund balance":{"value":2715369,"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":-0.03956349885738531,"percentile":0.30209373794372935},"Liabilities to Assets Ratio":{"score":0.8852872428993265,"percentile":0.06703627958501097},"Operating Reserve Ratio":{"score":56.49841754024174,"percentile":0.9829263181252235},"Officer Compensation Ratio":{"score":0.1615875198105822,"percentile":0.386456086233918},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.02965923113709176,"percentile":0.26811952682236745},"Asset Growth":{"score":-0.001319191397962104,"percentile":0.3135481479757779},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.41045636713368816,"percentile":0.13865057936562059}},"source_xml":"202200809349300925_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["WINIFRED MAIBEN","DEBRA BRADSHAW","JANET DRISKELL","CURTIS FLAKES","BETSY HICKS","BRIAN IVEY","LAUREN LOCKLIER","CLARA POTTER","SONYA RODGERS","LITA TROTTER","KAREN WILLIAMS"],"Title":["MANAGER/BOD","BOARD MEMBER","BOARD PRESID","BOARD VICE P","BOARD MEMBER","SUPERVI COMM","CREDIT COMM","SUPERVISORY","CREDIT COMM","SUPERVISORY","CREDIT COMM"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[59940,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[59940,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2024,"name":"MOBILE GOVERNMENT EMPLOYEES CREDIT UNION","phone":2516944100,"website":"HTTP://MOBGECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"WINIFRED MAIBEN","year_formation":1928,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO BOX 2288, MOBILE, AL, 366280001, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366280001},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":4,"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":635507,"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":178610,"Total revenue":{"value":178610,"INTEREST ON LOANS":172817,"FEE INCOME":5793},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":456897,"Investment income total":456897,"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":619137,"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":241799,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":224400,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":17399},"Other expenses":{"value":377338,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":31435,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":274332,"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":71571,"PROFESSIONAL AND OUTSIDE":52591,"OPERATING FEES":10122,"MISC OP EXP":5831,"EDUCATIONAL AND PROMOTION":3027},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":619137,"Fundraising Expenses":0}},"Assets":{"value":16685016,"Non-interest bearing cash":345244,"Savings and temp cash investments":12101015,"Pledges and grants receivable":0,"Accounts receivable":3562094,"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":9422,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":420000,"Investments program related":0,"Intangible assets":0,"Other assets":247241},"Liabilities":{"value":13456173,"Sum of Total Liabilities":0,"Accounts payable, accrued":34929,"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":13421244},"Fund balance":{"value":3228843,"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":0.025758960955583495,"percentile":0.46718279308672933},"Liabilities to Assets Ratio":{"score":0.8064824750542643,"percentile":0.07807263782850157},"Operating Reserve Ratio":{"score":26.948827157801908,"percentile":0.9625316702298727},"Officer Compensation Ratio":{"score":0.096812175657407,"percentile":0.5627167532662254},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.0018664776510173575,"percentile":0.3613955341362224},"Asset Growth":{"score":-0.010297095472962666,"percentile":0.27931940629584784},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4590302679356684,"percentile":0.2294394249400496}},"source_xml":"202531339349303683_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}