{"success":true,"data":{"_id":630458217,"filings":[{"Organization":{"value":null,"Person":["LOIS WATSON","D LLOYD SCOTT","BOB CLARDY","CAROLYN TWILLEY","CARLOS MONTGOMERY","ERNEST SCARBOROUGH","G MILTON WILLAMS","PETER KINGSFORD","MILDRED BLASS","MARILYN HOWELL","V SUE SMITH","TINA WILLIAMS","JANET JACKSON"],"Title":["SECRETARY","CHAIRMAN","VICE CHAIRMAN","SECRETARY","DIRECTOR","DIRECTOR","TREASURER","DIRECTOR","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","CEO","SENIOR VICE PRESIDENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,137195,91407],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,122987,79739],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,14208,11668]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative servicing a select field of membership for the purpose of providing financial services to its members.","year":2016,"name":"MOBILE EDUCATORS CREDIT UNION","phone":2514734712,"website":"WWW.YOURMECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TINA B WILLIAMS","year_formation":1954,"state_legal_domicile":"AL","total_volunteers":11,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"3150 AIRPORT BOULEVARD, MOBILE, AL, 366063802, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366063802},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":28,"Total Gross UBI":23069,"Net unrelated business taxable income":542,"Number of employees":28,"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":3053432,"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":1565584,"Total revenue":{"value":1565584,"INCOME FROM INVESTMENT":945680,"INTEREST ON LOANS":619904},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1487848,"Other total":1487848,"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":2670236,"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":1039052,"Current officers":228602,"Disqualified persons":0,"Other salaries and wages":584284,"Pension plan contributions":16966,"Other employee benefits":147775,"Payroll taxes":61425},"Other expenses":{"value":1631184,"Management services":0,"Legal":11681,"Accounting":22992,"Lobbying services":0,"Investment management fees":0,"Other services":62945,"Advertising":15548,"Office expenses":161516,"Information technology":361257,"Royalties":0,"Occupancy":206813,"Travel":11209,"Conferences and meetings":4389,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":39123,"Insurance":48979,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":532353,"CARD PROCESSING AND FEE":335955,"OTHER EXPENSES":79080,"MEMBER SHARES DIVIDENDS":71006,"ODP EXPENSES":46312},"All other expenses":152379},"Functional Expenses":{"value":null,"Program Service Expenses":2670236,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":79469316,"Non-interest bearing cash":965539,"Savings and temp cash investments":17152337,"Pledges and grants receivable":0,"Accounts receivable":105386,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":10971427,"Inventories for sale or use":0,"Prepaid expenses deferred charges":108285,"Land, building, equipment":2416921,"Investments publicly traded":0,"Investments other":0,"Investments program related":46891504,"Intangible assets":0,"Other assets":857917},"Liabilities":{"value":71510966,"Sum of Total Liabilities":0,"Accounts payable, accrued":30265,"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":71480701},"Fund balance":{"value":7958350,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.12549681800675436,"percentile":0.6641909935416602},"Liabilities to Assets Ratio":{"score":0.8998563168707782,"percentile":0.06468840590397439},"Operating Reserve Ratio":{"score":29.761158189763,"percentile":0.9668190367561601},"Officer Compensation Ratio":{"score":0.0856111594630587,"percentile":0.6028931204021202},"Program Expense Growth":{"score":0.7921352262343182,"percentile":0.9713762027624655},"Revenue Growth":{"score":-0.010491738086560044,"percentile":0.3282978489304285},"Asset Growth":{"score":0.019899178334221772,"percentile":0.40340868788982476},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7715325404359852,"percentile":0.937979150797049}},"source_xml":"201732899349300928_public.xml"},{"Organization":{"value":null,"Person":["D LLOYD SCOTT","PETER KINGSFORD","G MILTON WILLAMS","CARLOS M MONTGOMERY","CHRISTINE NASSAR","KATHRYN SMITH","MILDRED BLASS","MARILYN HOWELL","VIRGINIA SUE SMITH","BARBARA SCARBROUGH","TINA B WILLIAMS"],"Title":["BOARD MEMBER","BOARD CHAIRPERSON","BOARD TREASURER","BOARD MEMBER","BOARD VICE CHAIRPERSON","BOARD MEMBER","BOARD SECRETARY","SUPERVISORY COMMITTEE CHAIRMAN","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","PRESIDENT/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,178127],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,154453],"Other compensation":[0,0,0,0,0,0,0,0,0,0,23674]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative servicing a select field of membership for the purpose of providing financial services to its members.","year":2021,"name":"MOBILE EDUCATORS CREDIT UNION","phone":2514734712,"website":"WWW.YOURMECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TINA B WILLIAMS","year_formation":1954,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"3150 AIRPORT BOULEVARD, MOBILE, AL, 366063802, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366063802},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":29,"Total Gross UBI":6853,"Net unrelated business taxable income":0,"Number of employees":29,"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":2821272,"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":2821272,"Total revenue":{"value":2821272,"INCOME FROM INVESTMENT":1244771,"FINANCIAL SERVICES FEE":1089649,"INTEREST ON LOANS":486852},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"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":2606372,"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":961416,"Current officers":178127,"Disqualified persons":0,"Other salaries and wages":579024,"Pension plan contributions":18340,"Other employee benefits":129759,"Payroll taxes":56166},"Other expenses":{"value":1644956,"Management services":0,"Legal":12215,"Accounting":21600,"Lobbying services":0,"Investment management fees":0,"Other services":29457,"Advertising":13543,"Office expenses":210898,"Information technology":0,"Royalties":0,"Occupancy":149999,"Travel":4809,"Conferences and meetings":3190,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":131825,"Insurance":41148,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":934800,"PY UBIT PAID IN TAX YEA":179,"COST OF FINANCIAL SERVI":853875,"BANK SERVICE CHARGES":40443,"MEMBER SHARES DIVIDENDS":40303},"All other expenses":91472},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":110627739,"Non-interest bearing cash":1039603,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":70845,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":10847342,"Inventories for sale or use":0,"Prepaid expenses deferred charges":110319,"Land, building, equipment":3487774,"Investments publicly traded":0,"Investments other":0,"Investments program related":93747676,"Intangible assets":0,"Other assets":1324180},"Liabilities":{"value":100271572,"Sum of Total Liabilities":0,"Accounts payable, accrued":310761,"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":99960811},"Fund balance":{"value":10356167,"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":0.07617131563351566,"percentile":0.5796297251155007},"Liabilities to Assets Ratio":{"score":0.9063872488616982,"percentile":0.06360234533366763},"Operating Reserve Ratio":{"score":42.4451072218394,"percentile":0.9776266763724373},"Officer Compensation Ratio":{"score":0.06834289195863062,"percentile":0.6722019079415515},"Program Expense Growth":{"score":0.0698370608930479,"percentile":0.5988392469243814},"Revenue Growth":{"score":-0.0030309009788247587,"percentile":0.3566195790361916},"Asset Growth":{"score":0.04677082974490152,"percentile":0.5142304350617509},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.574229011548715,"percentile":0.5294540438202434}},"source_xml":"202241369349305684_public.xml"},{"Organization":{"value":null,"Person":["D LLOYD SCOTT","PETER KINGSFORD","G MILTON WILLAMS","CARLOS M MONTGOMERY","CHRISTINE NASSAR","KATHRYN SMITH","MILDRED BLASS","MARILYN HOWELL","VIRGINIA SUE SMITH","BARBARA SCARBROUGH","TINA B WILLIAMS"],"Title":["BOARD MEMBER","BOARD CHAIRPERSON","BOARD TREASURER","BOARD MEMBER","BOARD VICE CHAIRPERSON","BOARD MEMBER","BOARD SECRETARY","SUPERVISORY COMMITTEE CHAI","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","PRESIDENT/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,182075],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,156222],"Other compensation":[0,0,0,0,0,0,0,0,0,0,25853]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative servicing a select field of membership for the purpose of providing financial services to its members.","year":2022,"name":"MOBILE EDUCATORS CREDIT UNION","phone":2514734712,"website":"WWW.YOURMECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TINA B WILLIAMS","year_formation":1954,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"3150 AIRPORT BOULEVARD, MOBILE, AL, 366063802, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366063802},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":23,"Total Gross UBI":15053,"Net unrelated business taxable income":5852,"Number of employees":23,"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":3200193,"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":3200193,"Total revenue":{"value":3200193,"INCOME FROM INVESTMENT":1536314,"FINANCIAL SERVICES FEE":1180628,"INTEREST ON LOANS":483251},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"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":2671617,"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":889519,"Current officers":182075,"Disqualified persons":0,"Other salaries and wages":577937,"Pension plan contributions":19263,"Other employee benefits":120999,"Payroll taxes":-10755},"Other expenses":{"value":1782098,"Management services":0,"Legal":13592,"Accounting":22680,"Lobbying services":0,"Investment management fees":0,"Other services":26165,"Advertising":13795,"Office expenses":221304,"Information technology":0,"Royalties":0,"Occupancy":155046,"Travel":4012,"Conferences and meetings":2819,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":132326,"Insurance":48627,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1071087,"COST OF FINANCIAL SERVI":944123,"INTEREST EXPENSE":62466,"MEMBER SHARES DIVIDENDS":34462,"OPERATING EXPENSE":30036},"All other expenses":70645},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":110433262,"Non-interest bearing cash":1024799,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":64841,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":15176195,"Inventories for sale or use":0,"Prepaid expenses deferred charges":132130,"Land, building, equipment":3414581,"Investments publicly traded":0,"Investments other":0,"Investments program related":89201886,"Intangible assets":0,"Other assets":1418830},"Liabilities":{"value":100223991,"Sum of Total Liabilities":0,"Accounts payable, accrued":446428,"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":99777563},"Fund balance":{"value":10209271,"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":0.16517003818207215,"percentile":0.7178009810709035},"Liabilities to Assets Ratio":{"score":0.9075525723400256,"percentile":0.06340569913459285},"Operating Reserve Ratio":{"score":41.3357386182226,"percentile":0.97699898085367},"Officer Compensation Ratio":{"score":0.06815161005488436,"percentile":0.6730014011888372},"Program Expense Growth":{"score":-0.0041720720056178506,"percentile":0.3069701739758578},"Revenue Growth":{"score":1.547361534577341e-05,"percentile":0.36995020229007314},"Asset Growth":{"score":0.048273571128611054,"percentile":0.5200899847399383},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.566336751569993,"percentile":0.5058616509975336}},"source_xml":"202343049349301949_public.xml"},{"Organization":{"value":null,"Person":["BOBBY CLARDY","ERNEST SCARBOROUGH","LOIS WATSON","CARLOS MONTGOMERY","CAROLYN TWILLEY","G MILTON WILLIAMS","LLOYD SCOTT","TINA WILLIAMS","KRYSTAL NAVARRE"],"Title":["TREASURER","DIRECTOR","VICE CHAIRMAN","DIRECTOR","SECRETARY","CHAIRMAN","DIRECTOR","PRESIDENT/CEO","VP OF FINANCE"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,125067,51206],"Direct compensation":[0,0,0,0,0,0,0,114886,44842],"Other compensation":[0,0,0,0,0,0,0,10181,6364]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative servicing a select field of membership for the purpose of providing financial services to its members.","year":2014,"name":"MOBILE EDUCATORS CREDIT UNION","phone":2514734712,"website":"WWW.YOURMECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TINA B WILLIAMS","year_formation":1954,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"3150 AIRPORT BOULEVARD, MOBILE, AL, 36606, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":36606},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":31,"Total Gross UBI":1220,"Net unrelated business taxable income":-2631,"Number of employees":31,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3040637,"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":713939,"Total revenue":713939,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":803821,"Investment income total":804347,"Net investment gain":-526,"Income from invest bond proceeds":0},"Other revenues":{"value":1522877,"Other total":1522877,"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":2743999,"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":1011872,"Current officers":176273,"Disqualified persons":0,"Other salaries and wages":613133,"Pension plan contributions":19952,"Other employee benefits":137387,"Payroll taxes":65127},"Other expenses":{"value":1732127,"Management services":0,"Legal":11620,"Accounting":13350,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":13513,"Office expenses":200009,"Information technology":380789,"Royalties":0,"Occupancy":148008,"Travel":8230,"Conferences and meetings":2328,"Interest":71930,"Payments to affiliates":0,"Depreciation and depletion":133060,"Insurance":65458,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":547025,"CARD PROCESSING AND FEE":331988,"LOAN SERVICING":88854,"BANK SERVICE CHARGES":64001,"ODP EXPENSES":62182},"All other expenses":136807},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":76108524,"Non-interest bearing cash":1159793,"Savings and temp cash investments":14292057,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":11125103,"Inventories for sale or use":0,"Prepaid expenses deferred charges":99721,"Land, building, equipment":2596239,"Investments publicly traded":20105410,"Investments other":25609387,"Investments program related":0,"Intangible assets":0,"Other assets":1120814},"Liabilities":{"value":68567752,"Sum of Total Liabilities":0,"Accounts payable, accrued":166403,"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":68401349},"Fund balance":{"value":7540772,"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":0.0975578472537169,"percentile":0.6189811887021751},"Liabilities to Assets Ratio":{"score":0.9009207956785498,"percentile":0.06451490660124903},"Operating Reserve Ratio":{"score":27.736352673597914,"percentile":0.9638264690672013},"Officer Compensation Ratio":{"score":0.06423945489776053,"percentile":0.6900833045590651},"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":0.6101992607349502,"percentile":0.6350501551581149}},"source_xml":"201543209349303364_public.xml"},{"Organization":{"value":null,"Person":["D LLOYD SCOTT","BOB CLARDY","CAROLYN TWILLEY","G MILTON WILLAMS","CARLOS MONTGOMERY","ERNEST SCARBOROUGH","PETER KINGSFORD","MILDRED BLASS","MARILYN HOWELL","V SUE SMITH","TINA WILLIAMS","JANET JACKSON"],"Title":["CHAIRMAN","VICE CHAIRMAN","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","CEO","SENIOR VICE PRESIDENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[66,66,66,66,66,66,66,66,66,66,142513,95195],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,127078,82385],"Other compensation":[66,66,66,66,66,66,66,66,66,66,15435,12810]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative servicing a select field of membership for the purpose of providing financial services to its members.","year":2017,"name":"MOBILE EDUCATORS CREDIT UNION","phone":2514734712,"website":"WWW.YOURMECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TINA B WILLIAMS","year_formation":1954,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"3150 AIRPORT BOULEVARD, MOBILE, AL, 366063802, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366063802},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":27,"Total Gross UBI":22468,"Net unrelated business taxable income":1087,"Number of employees":27,"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":3029435,"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":3029435,"Total revenue":{"value":3029435,"FINANCIAL SERVICES FEE":1367868,"INCOME FROM INVESTMENT":1086010,"INTEREST ON LOANS":575557},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"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":2673153,"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":1049397,"Current officers":238368,"Disqualified persons":0,"Other salaries and wages":569602,"Pension plan contributions":19819,"Other employee benefits":161268,"Payroll taxes":60340},"Other expenses":{"value":1623756,"Management services":0,"Legal":11965,"Accounting":22992,"Lobbying services":0,"Investment management fees":0,"Other services":38006,"Advertising":16675,"Office expenses":160658,"Information technology":0,"Royalties":0,"Occupancy":156909,"Travel":11652,"Conferences and meetings":4234,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":74976,"Insurance":48033,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1003773,"COST OF FINANCIAL SERVI":824353,"MEMBER SHARES DIVIDENDS":72769,"PROVISIONS AND WRITE-OF":61026,"BANK SERVICE CHARGES":45625},"All other expenses":73883},"Functional Expenses":{"value":null,"Program Service Expenses":2673153,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":82941835,"Non-interest bearing cash":766655,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":186706,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":10559734,"Inventories for sale or use":0,"Prepaid expenses deferred charges":78135,"Land, building, equipment":2353382,"Investments publicly traded":0,"Investments other":0,"Investments program related":67892893,"Intangible assets":0,"Other assets":1104330},"Liabilities":{"value":74695055,"Sum of Total Liabilities":0,"Accounts payable, accrued":620892,"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":74074163},"Fund balance":{"value":8246780,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.11760674845309439,"percentile":0.6520563093693311},"Liabilities to Assets Ratio":{"score":0.9005715270225213,"percentile":0.06457021334473881},"Operating Reserve Ratio":{"score":31.02771708166349,"percentile":0.9684260666226242},"Officer Compensation Ratio":{"score":0.08917110243970322,"percentile":0.5897735192403398},"Program Expense Growth":{"score":0.49358475556707615,"percentile":0.9289482185533688},"Revenue Growth":{"score":-0.007114094505066341,"percentile":0.3407006619257074},"Asset Growth":{"score":0.025691169408987417,"percentile":0.4278615138889551},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7666106816583096,"percentile":0.9335248919932733}},"source_xml":"201823199349313107_public.xml"},{"Organization":{"value":null,"Person":["D LLOYD SCOTT","ERNEST SCARBOROUGH","CAROLYN TWILLEY","G MILTON WILLAMS","CARLOS M MONTGOMERY","CHRISTINE NASSAR","PETER KINGSFORD","MILDRED BLASS","MARILYN HOWELL","VIRGINIA SUE SMITH","BARBARA SCARBROUGH","TINA B WILLIAMS"],"Title":["CHAIRMAN","VICE CHAIRPERSON (THRU 6/19)","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","VICE CHAIRPERSON","DIRECTOR","SUPERVISORY COMMITTEE CHAIR","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","PRESIDENT/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,159085],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,141875],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,17210]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative servicing a select field of membership for the purpose of providing financial services to its members.","year":2019,"name":"MOBILE EDUCATORS CREDIT UNION","phone":2514734712,"website":"WWW.YOURMECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TINA B WILLIAMS","year_formation":1954,"state_legal_domicile":"AL","total_volunteers":11,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"3150 AIRPORT BOULEVARD, MOBILE, AL, 366063802, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366063802},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":30,"Total Gross UBI":24133,"Net unrelated business taxable income":2400,"Number of employees":30,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3389236,"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":3389236,"Total revenue":{"value":3389236,"INCOME FROM INVESTMENT":1483005,"FINANCIAL SERVICES FEE":1330308,"INTEREST ON LOANS":575923},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"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":2673409,"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":1092956,"Current officers":159085,"Disqualified persons":0,"Other salaries and wages":686434,"Pension plan contributions":23008,"Other employee benefits":160121,"Payroll taxes":64308},"Other expenses":{"value":1580453,"Management services":0,"Legal":12134,"Accounting":18000,"Lobbying services":0,"Investment management fees":0,"Other services":39458,"Advertising":14781,"Office expenses":165366,"Information technology":0,"Royalties":0,"Occupancy":154963,"Travel":6221,"Conferences and meetings":4477,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":94504,"Insurance":42513,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":929753,"PY UBIT PAID IN TAX YEA":429,"COST OF FINANCIAL SERVI":813091,"MEMBER SHARES DIVIDENDS":75392,"BANK SERVICE CHARGES":40841},"All other expenses":98283},"Functional Expenses":{"value":null,"Program Service Expenses":2673409,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":86399583,"Non-interest bearing cash":1390397,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":34834,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":13675413,"Inventories for sale or use":0,"Prepaid expenses deferred charges":75985,"Land, building, equipment":3592828,"Investments publicly traded":0,"Investments other":0,"Investments program related":66538980,"Intangible assets":0,"Other assets":1091146},"Liabilities":{"value":76737060,"Sum of Total Liabilities":0,"Accounts payable, accrued":-16364,"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":76753424},"Fund balance":{"value":9662523,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.21120600630938655,"percentile":0.7672839409303115},"Liabilities to Assets Ratio":{"score":0.8881647032949221,"percentile":0.06657661909467368},"Operating Reserve Ratio":{"score":32.31813126985059,"percentile":0.9699265943840045},"Officer Compensation Ratio":{"score":0.05950642045418415,"percentile":0.7115973406227061},"Program Expense Growth":{"score":0.24470111539190634,"percentile":0.8358968844071256},"Revenue Growth":{"score":0.013554207995766654,"percentile":0.43223611511230453},"Asset Growth":{"score":0.026859453607460105,"percentile":0.43278830175951905},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7908492646723795,"percentile":0.9530018000621152}},"source_xml":"202042259349302024_public.xml"},{"Organization":{"value":null,"Person":["D LLOYD SCOTT","PETER KINGSFORD","CARLOS M MONTGOMERY","CHRISTINE NASSAR","KATHRYN SMITH","MILDRED BLASS","MARILYN HOWELL","VIRGINIA SUE SMITH","BARBARA SCARBROUGH","EVELINE DENNIS","TINA B WILLIAMS"],"Title":["BOARD TREASURER","BOARD CHAIRPERSON","BOARD MEMBER","BOARD VICE CHAIRPERSON","BOARD MEMBER","BOARD SECRETARY","BOARD MEMBER","SUPERVISORY COMMITTEE CHAI","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","PRESIDENT/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,197339],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,177708],"Other compensation":[0,0,0,0,0,0,0,0,0,0,19631]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative servicing a select field of membership for the purpose of providing financial services to its members.","year":2024,"name":"MOBILE EDUCATORS CREDIT UNION","phone":2514734712,"website":"WWW.YOURMECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TINA B WILLIAMS","year_formation":1954,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"3150 AIRPORT BOULEVARD, MOBILE, AL, 366063802, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366063802},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":22,"Total Gross UBI":7058,"Net unrelated business taxable income":0,"Number of employees":22,"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":4385271,"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":4385271,"Total revenue":{"value":4385271,"INCOME FROM INVESTMENT":2430515,"FINANCIAL SERVICES FEE":1126544,"INTEREST ON LOANS":828212},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"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":3464260,"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":1250041,"Current officers":197339,"Disqualified persons":0,"Other salaries and wages":795873,"Pension plan contributions":27962,"Other employee benefits":154105,"Payroll taxes":74762},"Other expenses":{"value":2214219,"Management services":0,"Legal":31013,"Accounting":35013,"Lobbying services":0,"Investment management fees":0,"Other services":24442,"Advertising":14595,"Office expenses":247216,"Information technology":0,"Royalties":0,"Occupancy":221567,"Travel":4198,"Conferences and meetings":4492,"Interest":220,"Payments to affiliates":0,"Depreciation and depletion":135102,"Insurance":54215,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1322768,"UBIT PAID IN PY":47,"COST OF FINANCIAL SERVI":973154,"MEMBER SHARES DIVIDENDS":271276,"PROVISIONS AND WRITE-OF":78291},"All other expenses":119378},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":109107642,"Non-interest bearing cash":1192146,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":17181,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":15626120,"Inventories for sale or use":0,"Prepaid expenses deferred charges":92219,"Land, building, equipment":3236872,"Investments publicly traded":0,"Investments other":0,"Investments program related":87330653,"Intangible assets":0,"Other assets":1612451},"Liabilities":{"value":96897537,"Sum of Total Liabilities":0,"Accounts payable, accrued":603736,"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":96293801},"Fund balance":{"value":12210105,"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":0.2100237362753636,"percentile":0.7661475307432991},"Liabilities to Assets Ratio":{"score":0.8880912026308845,"percentile":0.06658686108420882},"Operating Reserve Ratio":{"score":31.495223222275463,"percentile":0.9689953577611843},"Officer Compensation Ratio":{"score":0.056964257879027556,"percentile":0.7233396840219052},"Program Expense Growth":{"score":-0.08680444145843474,"percentile":0.15291332226793294},"Revenue Growth":{"score":0.024862056239662828,"percentile":0.48926760942715697},"Asset Growth":{"score":0.04245190526764411,"percentile":0.4971853134452554},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.56913924864867,"percentile":0.5142400092152941}},"source_xml":"202541349349310084_public.xml"},{"Organization":{"value":null,"Person":["TINA B WILLIAMS","D LLOYD SCOTT","PETER KINGSFORD","G MILTON WILLAMS","CARLOS M MONTGOMERY","CHRISTINE NASSAR","KATHRYN SMITH","MILDRED BLASS","MARILYN HOWELL","VIRGINIA SUE SMITH","BARBARA SCARBROUGH"],"Title":["PRESIDENT/CEO","CHAIRMAN","VICE CHAIRPERSON","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","SUPERVISORY COMMITTEE CHAI","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE"],"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":[169402,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[150951,0,0,0,0,0,0,0,0,0,0],"Other compensation":[18451,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative servicing a select field of membership for the purpose of providing financial services to its members.","year":2020,"name":"MOBILE EDUCATORS CREDIT UNION","phone":2514734712,"website":"WWW.YOURMECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TINA B WILLIAMS","year_formation":1954,"state_legal_domicile":"AL","total_volunteers":11,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"3150 AIRPORT BOULEVARD, MOBILE, AL, 366063802, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366063802},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":27,"Total Gross UBI":22718,"Net unrelated business taxable income":820,"Number of employees":27,"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":2955649,"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":2955649,"Total revenue":{"value":2955649,"INCOME FROM INVESTMENT":1325501,"FINANCIAL SERVICES FEE":1068409,"INTEREST ON LOANS":561739},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"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":2571472,"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":1027701,"Current officers":169402,"Disqualified persons":0,"Other salaries and wages":631332,"Pension plan contributions":24849,"Other employee benefits":141255,"Payroll taxes":60863},"Other expenses":{"value":1543771,"Management services":0,"Legal":12176,"Accounting":19500,"Lobbying services":0,"Investment management fees":0,"Other services":35657,"Advertising":13027,"Office expenses":187921,"Information technology":0,"Royalties":0,"Occupancy":143031,"Travel":5657,"Conferences and meetings":2979,"Interest":10,"Payments to affiliates":0,"Depreciation and depletion":121275,"Insurance":42044,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":867999,"PY UBIT PAID IN TAX YEA":429,"COST OF FINANCIAL SERVI":752744,"MEMBER SHARES DIVIDENDS":70783,"BANK SERVICE CHARGES":44043},"All other expenses":92495},"Functional Expenses":{"value":null,"Program Service Expenses":2571472,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":99931032,"Non-interest bearing cash":1048083,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":67482,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":13030076,"Inventories for sale or use":0,"Prepaid expenses deferred charges":109215,"Land, building, equipment":3541959,"Investments publicly traded":0,"Investments other":0,"Investments program related":80968913,"Intangible assets":0,"Other assets":1165304},"Liabilities":{"value":89686227,"Sum of Total Liabilities":0,"Accounts payable, accrued":83306,"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":89602921},"Fund balance":{"value":10244805,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.12998058971143056,"percentile":0.6708180828621558},"Liabilities to Assets Ratio":{"score":0.8974812448649585,"percentile":0.06508210798170534},"Operating Reserve Ratio":{"score":38.861411673936175,"percentile":0.9754776376903472},"Officer Compensation Ratio":{"score":0.06587744295874114,"percentile":0.6828365844593555},"Program Expense Growth":{"score":0.18392007732450527,"percentile":0.7912748146745375},"Revenue Growth":{"score":0.0044663057122700705,"percentile":0.38961703609697046},"Asset Growth":{"score":0.037189380342538235,"percentile":0.47582935757747713},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7670439642142574,"percentile":0.9339216616007214}},"source_xml":"202113029349302506_public.xml"},{"Organization":{"value":null,"Person":["D LLOYD SCOTT","PETER KINGSFORD","G MILTON WILLAMS","CARLOS M MONTGOMERY","CHRISTINE NASSAR","KATHRYN SMITH","MILDRED BLASS","MARILYN HOWELL","VIRGINIA SUE SMITH","BARBARA SCARBROUGH","EVELINE DENNIS","TINA B WILLIAMS"],"Title":["BOARD TREASURER BEGINNING 2023","BOARD CHAIRPERSON","BOARD TREASURER THRU 2023","BOARD MEMBER","BOARD VICE CHAIRPERSON","BOARD MEMBER","BOARD SECRETARY","BOARD MEMBER","SUPERVISORY COMMITTEE CHAIRPERSON","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","PRESIDENT/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,189580],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,170206],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,19374]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative servicing a select field of membership for the purpose of providing financial services to its members.","year":2023,"name":"MOBILE EDUCATORS CREDIT UNION","phone":2514734712,"website":"WWW.YOURMECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TINA B WILLIAMS","year_formation":1954,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"3150 AIRPORT BOULEVARD, MOBILE, AL, 366063802, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366063802},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":21,"Total Gross UBI":9224,"Net unrelated business taxable income":222,"Number of employees":21,"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":4091498,"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":4091498,"Total revenue":{"value":4091498,"INCOME FROM INVESTMENT":2162512,"FINANCIAL SERVICES FEE":1166511,"INTEREST ON LOANS":762475},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"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":3174368,"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":1063337,"Current officers":189580,"Disqualified persons":0,"Other salaries and wages":656950,"Pension plan contributions":23046,"Other employee benefits":130654,"Payroll taxes":63107},"Other expenses":{"value":2111031,"Management services":0,"Legal":13496,"Accounting":22680,"Lobbying services":0,"Investment management fees":0,"Other services":25474,"Advertising":15431,"Office expenses":240266,"Information technology":0,"Royalties":0,"Occupancy":192609,"Travel":4688,"Conferences and meetings":3657,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":134577,"Insurance":55051,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1276991,"UBIT PAID IN PY":1229,"COST OF FINANCIAL SERVI":1033474,"MEMBER SHARES DIVIDENDS":210079,"BANK SERVICE CHARGES":32209},"All other expenses":126111},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":108395286,"Non-interest bearing cash":1114283,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":38206,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":17074671,"Inventories for sale or use":0,"Prepaid expenses deferred charges":143702,"Land, building, equipment":3320995,"Investments publicly traded":0,"Investments other":0,"Investments program related":85247365,"Intangible assets":0,"Other assets":1456064},"Liabilities":{"value":97237341,"Sum of Total Liabilities":0,"Accounts payable, accrued":793018,"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":96444323},"Fund balance":{"value":11157945,"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":0.2241550649664255,"percentile":0.7792011664101116},"Liabilities to Assets Ratio":{"score":0.8970624515903763,"percentile":0.06515298254928856},"Operating Reserve Ratio":{"score":34.1470447030716,"percentile":0.971755318385719},"Officer Compensation Ratio":{"score":0.05972212421496184,"percentile":0.7105927238788657},"Program Expense Growth":{"score":-0.05344195940463471,"percentile":0.19300497600259126},"Revenue Growth":{"score":0.014366688711182289,"percentile":0.4362001662443366},"Asset Growth":{"score":0.04561614078534535,"percentile":0.5096849384621122},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5711123071120408,"percentile":0.5202061522087408}},"source_xml":"202431509349301813_public.xml"},{"Organization":{"value":null,"Person":["LOIS WATSON","D LLOYD SCOTT","BOB CLARDY","CAROLYN TWILLEY","CARLOS MONTGOMERY","ERNEST SCARBOROUGH","G MILTON WILLAMS","TINA WILLIAMS","JANET JACKSON","MARYA WASHINGTON"],"Title":["CHAIRMAN","VICE CHAIRMAN","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","CEO","SENIOR VICE PRESIDENT","VICE PRESIDENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,125499,82529,66334],"Direct compensation":[0,0,0,0,0,0,0,122279,78697,59305],"Other compensation":[0,0,0,0,0,0,0,3220,3832,7029]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative servicing a select field of membership for the purpose of providing financial services to its members.","year":2015,"name":"MOBILE EDUCATORS CREDIT UNION","phone":2514734712,"website":"WWW.YOURMECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TINA B WILLIAMS","year_formation":1954,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"3150 AIRPORT BOULEVARD, MOBILE, AL, 36606, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":36606},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":25,"Total Gross UBI":6287,"Net unrelated business taxable income":-896,"Number of employees":25,"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":2992719,"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":649423,"Total revenue":649423,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":839133,"Investment income total":839133,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1504163,"Other total":1504163,"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":2777346,"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":1068494,"Current officers":274362,"Disqualified persons":0,"Other salaries and wages":554227,"Pension plan contributions":19426,"Other employee benefits":151360,"Payroll taxes":69119},"Other expenses":{"value":1708852,"Management services":0,"Legal":11520,"Accounting":22992,"Lobbying services":0,"Investment management fees":0,"Other services":57201,"Advertising":15804,"Office expenses":167240,"Information technology":383066,"Royalties":0,"Occupancy":227334,"Travel":11224,"Conferences and meetings":4477,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":48858,"Insurance":61616,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":543014,"CARD PROCESSING AND FEE":340674,"OTHER EXPENSES":79805,"MEMBER SHARES DIVIDENDS":70584,"ODP EXPENSES":51951},"All other expenses":154506},"Functional Expenses":{"value":null,"Program Service Expenses":2777346,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":76786541,"Non-interest bearing cash":1272809,"Savings and temp cash investments":19567800,"Pledges and grants receivable":0,"Accounts receivable":143600,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":10541108,"Inventories for sale or use":0,"Prepaid expenses deferred charges":123029,"Land, building, equipment":2494715,"Investments publicly traded":29516364,"Investments other":12290811,"Investments program related":0,"Intangible assets":0,"Other assets":836305},"Liabilities":{"value":69135847,"Sum of Total Liabilities":0,"Accounts payable, accrued":89716,"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":69046131},"Fund balance":{"value":7650694,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.07196566065841797,"percentile":0.5712723412312075},"Liabilities to Assets Ratio":{"score":0.9003641276144996,"percentile":0.06460216835208847},"Operating Reserve Ratio":{"score":27.6474522799824,"percentile":0.9636872281745964},"Officer Compensation Ratio":{"score":0.09878567524536014,"percentile":0.556071240367132},"Program Expense Growth":{"score":1.5,"percentile":0.9999901456811091},"Revenue Growth":{"score":-0.024790215558185585,"percentile":0.28190845586783997},"Asset Growth":{"score":0.014384068938683442,"percentile":0.38023935559532324},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7510347427439211,"percentile":0.9180482775019434}},"source_xml":"201642439349300424_public.xml"},{"Organization":{"value":null,"Person":["D LLOYD SCOTT","ERNEST SCARBOROUGH","CAROLYN TWILLEY","G MILTON WILLAMS","CARLOS M MONTGOMERY","BOB CLARDY","PETER KINGSFORD","MILDRED BLASS","MARILYN HOWELL","VIRGINIA SUE SMITH","TINA B WILLIAMS"],"Title":["CHAIRMAN","VICE CHAIRPERSON","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE CHAIR","SUPERVISORY COMMITTEE","PRESIDENT/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,150204],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,134271],"Other compensation":[0,0,0,0,0,0,0,0,0,0,15933]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative servicing a select field of membership for the purpose of providing financial services to its members.","year":2018,"name":"MOBILE EDUCATORS CREDIT UNION","phone":2514734712,"website":"WWW.YOURMECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TINA B WILLIAMS","year_formation":1954,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"3150 AIRPORT BOULEVARD, MOBILE, AL, 366063802, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366063802},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":30,"Total Gross UBI":23939,"Net unrelated business taxable income":2042,"Number of employees":30,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3248656,"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":3248656,"Total revenue":{"value":3248656,"FINANCIAL SERVICES FEE":1397690,"INCOME FROM INVESTMENT":1300917,"INTEREST ON LOANS":550049},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"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":2594334,"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":1024456,"Current officers":150204,"Disqualified persons":0,"Other salaries and wages":627907,"Pension plan contributions":22616,"Other employee benefits":163060,"Payroll taxes":60669},"Other expenses":{"value":1569878,"Management services":0,"Legal":12059,"Accounting":22992,"Lobbying services":0,"Investment management fees":0,"Other services":35498,"Advertising":38475,"Office expenses":165494,"Information technology":0,"Royalties":0,"Occupancy":160444,"Travel":6861,"Conferences and meetings":5604,"Interest":71,"Payments to affiliates":0,"Depreciation and depletion":70965,"Insurance":47927,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":873050,"PY UBIT PAID IN TAX YEA":163,"COST OF FINANCIAL SERVI":747749,"MEMBER SHARES DIVIDENDS":75060,"PROVISIONS AND WRITE-OF":50078},"All other expenses":130438},"Functional Expenses":{"value":null,"Program Service Expenses":2594334,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":85519865,"Non-interest bearing cash":1131430,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":85207,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":11959526,"Inventories for sale or use":0,"Prepaid expenses deferred charges":81221,"Land, building, equipment":3343984,"Investments publicly traded":0,"Investments other":0,"Investments program related":67782055,"Intangible assets":0,"Other assets":1136442},"Liabilities":{"value":76776773,"Sum of Total Liabilities":0,"Accounts payable, accrued":261524,"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":76515249},"Fund balance":{"value":8743092,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.20141313823316473,"percentile":0.7577137204206755},"Liabilities to Assets Ratio":{"score":0.8977653671459842,"percentile":0.06504134486335547},"Operating Reserve Ratio":{"score":32.96409213308695,"percentile":0.9706005688061194},"Officer Compensation Ratio":{"score":0.05789694002391365,"percentile":0.7190530913331904},"Program Expense Growth":{"score":0.33411987760948086,"percentile":0.8793124427485495},"Revenue Growth":{"score":0.005079124067661546,"percentile":0.39233131505205565},"Asset Growth":{"score":0.02803732377030282,"percentile":0.4378045248620132},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7911761229535638,"percentile":0.953217183563739}},"source_xml":"201922679349300442_public.xml"},{"Organization":{"value":null,"Person":["BOBBY CLARDY","ERNEST SCARBOROUGH","LOIS WATSON","JAMES J BENSON","ISUM RICHARDSON","CARLOS MONTGOMERY","CAROLYN TWILLEY","G MILTON WILLIAMS","TINA WILLIAMS","KRYSTAL NAVARRE"],"Title":["TREASURER","DIRECTOR","VICE CHAIRMAN","DIRECTOR","DIRECTOR","DIRECTOR","SECRETARY","CHAIRMAN","PRESIDENT/CEO","VP OF FINANCE"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,117024,61662],"Direct compensation":[0,0,0,0,0,0,0,0,108543,55469],"Other compensation":[0,0,0,0,0,0,0,0,8481,6193]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative servicing a select field of membership for the purpose of providing financial services to its members.","year":2013,"name":"MOBILE EDUCATORS CREDIT UNION","phone":2514734712,"website":"WWW.YOURMECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TINA B WILLIAMS","year_formation":1954,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"3150 AIRPORT BOULEVARD, MOBILE, AL, 36606, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":36606},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":33,"Total Gross UBI":4873,"Net unrelated business taxable income":-8519,"Number of employees":33,"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":3144398,"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":776964,"Total revenue":776964,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":704447,"Investment income total":704447,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1662987,"Other total":1662987,"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":2922291,"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":989798,"Current officers":178686,"Disqualified persons":0,"Other salaries and wages":611686,"Pension plan contributions":15860,"Other employee benefits":115024,"Payroll taxes":68542},"Other expenses":{"value":1932493,"Management services":0,"Legal":10939,"Accounting":9999,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":17115,"Office expenses":242441,"Information technology":393586,"Royalties":0,"Occupancy":151293,"Travel":13934,"Conferences and meetings":1908,"Interest":73334,"Payments to affiliates":0,"Depreciation and depletion":165287,"Insurance":65064,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":561760,"CARD PROCESSING AND FEE":317136,"ODP EXPENSES":83792,"LOAN SERVICING":80555,"BANK SERVICE CHARGES":80277},"All other expenses":225833},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":74604957,"Non-interest bearing cash":2254030,"Savings and temp cash investments":20209544,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":11963706,"Inventories for sale or use":0,"Prepaid expenses deferred charges":113488,"Land, building, equipment":2696051,"Investments publicly traded":13377844,"Investments other":22387947,"Investments program related":0,"Intangible assets":0,"Other assets":1602347},"Liabilities":{"value":67419939,"Sum of Total Liabilities":0,"Accounts payable, accrued":362814,"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":67057125},"Fund balance":{"value":7185018,"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":0.07063577829524124,"percentile":0.5685957854589632},"Liabilities to Assets Ratio":{"score":0.9036924852057753,"percentile":0.06405627030986524},"Operating Reserve Ratio":{"score":25.529612553985896,"percentile":0.9598939748303393},"Officer Compensation Ratio":{"score":0.0611458612437981,"percentile":0.7040771225275904},"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":0.5996355650417146,"percentile":0.6044540988160307}},"source_xml":"201433179349304813_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["D LLOYD SCOTT","PETER KINGSFORD","CARLOS M MONTGOMERY","CHRISTINE NASSAR","KATHRYN SMITH","MILDRED BLASS","MARILYN HOWELL","VIRGINIA SUE SMITH","BARBARA SCARBROUGH","EVELINE DENNIS","TINA B WILLIAMS"],"Title":["BOARD TREASURER","BOARD CHAIRPERSON","BOARD MEMBER","BOARD VICE CHAIRPERSON","BOARD MEMBER","BOARD SECRETARY","BOARD MEMBER","SUPERVISORY COMMITTEE CHAI","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","PRESIDENT/CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,197339],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,177708],"Other compensation":[0,0,0,0,0,0,0,0,0,0,19631]},"Basic":{"value":null,"mission":"The credit union is a financial cooperative servicing a select field of membership for the purpose of providing financial services to its members.","year":2024,"name":"MOBILE EDUCATORS CREDIT UNION","phone":2514734712,"website":"WWW.YOURMECU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TINA B WILLIAMS","year_formation":1954,"state_legal_domicile":"AL","total_volunteers":10,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"3150 AIRPORT BOULEVARD, MOBILE, AL, 366063802, USA","city":"MOBILE","state":"AL","country":"USA","zip_code":366063802},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":22,"Total Gross UBI":7058,"Net unrelated business taxable income":0,"Number of employees":22,"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":4385271,"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":4385271,"Total revenue":{"value":4385271,"INCOME FROM INVESTMENT":2430515,"FINANCIAL SERVICES FEE":1126544,"INTEREST ON LOANS":828212},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"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":3464260,"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":1250041,"Current officers":197339,"Disqualified persons":0,"Other salaries and wages":795873,"Pension plan contributions":27962,"Other employee benefits":154105,"Payroll taxes":74762},"Other expenses":{"value":2214219,"Management services":0,"Legal":31013,"Accounting":35013,"Lobbying services":0,"Investment management fees":0,"Other services":24442,"Advertising":14595,"Office expenses":247216,"Information technology":0,"Royalties":0,"Occupancy":221567,"Travel":4198,"Conferences and meetings":4492,"Interest":220,"Payments to affiliates":0,"Depreciation and depletion":135102,"Insurance":54215,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1322768,"UBIT PAID IN PY":47,"COST OF FINANCIAL SERVI":973154,"MEMBER SHARES DIVIDENDS":271276,"PROVISIONS AND WRITE-OF":78291},"All other expenses":119378},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":109107642,"Non-interest bearing cash":1192146,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":17181,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":15626120,"Inventories for sale or use":0,"Prepaid expenses deferred charges":92219,"Land, building, equipment":3236872,"Investments publicly traded":0,"Investments other":0,"Investments program related":87330653,"Intangible assets":0,"Other assets":1612451},"Liabilities":{"value":96897537,"Sum of Total Liabilities":0,"Accounts payable, accrued":603736,"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":96293801},"Fund balance":{"value":12210105,"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":0.2100237362753636,"percentile":0.7661475307432991},"Liabilities to Assets Ratio":{"score":0.8880912026308845,"percentile":0.06658686108420882},"Operating Reserve Ratio":{"score":31.495223222275463,"percentile":0.9689953577611843},"Officer Compensation Ratio":{"score":0.056964257879027556,"percentile":0.7233396840219052},"Program Expense Growth":{"score":-0.08680444145843474,"percentile":0.15291332226793294},"Revenue Growth":{"score":0.024862056239662828,"percentile":0.48926760942715697},"Asset Growth":{"score":0.04245190526764411,"percentile":0.4971853134452554},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.56913924864867,"percentile":0.5142400092152941}},"source_xml":"202541349349310084_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}