{"success":true,"data":{"_id":636043518,"filings":[{"Organization":{"value":null,"Person":["JERRY L BROWN","ALAN RUTHERFORD","DAVID NORTON","BRYAN THRASHER","MICHELLE SPURLIN","TRENICE MARTIN","RHONDA V HEIFNER"],"Title":["PRESIDENT","VICE PRESIDENT","SECRETARY","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","TREASURER MANAGER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,18.0],"Total Compensation":[0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing banking, loan, and savings services to its members which are employees or retirees of solutia corporation.","year":2019,"name":"CHEM FAMILY CREDIT UNION","phone":null,"website":"www.creditunionaccess.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1928,"state_legal_domicile":"AL","total_volunteers":null,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"702 CLYDESDALE AVENUE, ANNISTON, AL, 36201, USA","city":"ANNISTON","state":"AL","country":"USA","zip_code":36201},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"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":196465,"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":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":153344,"Investment income total":153344,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":43121,"Other total":43121,"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":187250,"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":34674,"Current officers":32093,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2581},"Other expenses":{"value":152576,"Management services":6600,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":1171,"Information technology":1510,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":119526,"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":21172,"LEAGUE DUES":4973,"SURETY BOND PREMIUM":6358,"AUDIT FEE":8939,"CREDIT REPORTS":902},"All other expenses":2597},"Functional Expenses":{"value":null,"Program Service Expenses":187250,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":6862798,"Non-interest bearing cash":125524,"Savings and temp cash investments":2930252,"Pledges and grants receivable":0,"Accounts receivable":787470,"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":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":3019552},"Liabilities":{"value":8720,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"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":8720},"Fund balance":{"value":6854078,"Net assets without donor restriction":6854078,"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":0.04690402870740335,"percentile":0.5179974072076041},"Liabilities to Assets Ratio":{"score":0.0012706187767729722,"percentile":0.5653215656970371},"Operating Reserve Ratio":{"score":36.65045660881175,"percentile":0.9738857646699577},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":0.059581655563753506,"percentile":0.5658148536290886},"Revenue Growth":{"score":0.036615049021391385,"percentile":0.5465225173166518},"Asset Growth":{"score":0.026074464136279132,"percentile":0.4295061128560482},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7598791724863371,"percentile":0.92718437767667}},"source_xml":"202011059349300131_public.xml"},{"Organization":{"value":null,"Person":["JERRY BROWN","ALAN RUTHERFORD","DON CURRY","BRYAN THRASHER","DAVID J NORTON","TRENICE MARTIN","RHONDA V HEIFNER"],"Title":["PRESIDENT","VICE PRESIDENT","SECRETARY","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","TREASURER MANAGER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,18.0],"Total Compensation":[0,0,0,0,0,0,26729],"Direct compensation":[0,0,0,0,0,0,26729],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing banking, loan and savings services to its members which are employees or retirees of solutia corp.","year":2014,"name":"CHEM FAMILY CREDIT UNION","phone":null,"website":"www.creditunionaccess.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RHONDA V HEIFNER","year_formation":1928,"state_legal_domicile":"AL","total_volunteers":null,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"702 CLYDESDALE AVENUE, ANNISTON, AL, 36201, USA","city":"ANNISTON","state":"AL","country":"USA","zip_code":36201},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"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":162367,"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":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":98681,"Investment income total":98681,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":63686,"Other total":63686,"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":143774,"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":28835,"Current officers":26729,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2106},"Other expenses":{"value":114939,"Management services":4200,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":1938,"Information technology":1585,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":77835,"Payments to affiliates":0,"Depreciation and depletion":45,"Insurance":7060,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":22077,"League Dues":5988,"Surety Bond Premium":6230,"Audit Fee":8976,"Credit Reports":883},"All other expenses":199},"Functional Expenses":{"value":null,"Program Service Expenses":143774,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":6145379,"Non-interest bearing cash":180653,"Savings and temp cash investments":2901775,"Pledges and grants receivable":0,"Accounts receivable":1012197,"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":0,"Land, building, equipment":112,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":2050642},"Liabilities":{"value":2439,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"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":2439},"Fund balance":{"value":6142940,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":5074761,"Temporarily restricted net assets":1068179,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.11451218535786213,"percentile":0.6472165796865864},"Liabilities to Assets Ratio":{"score":0.00039688357707474183,"percentile":0.5790355896845959},"Operating Reserve Ratio":{"score":42.74332633160377,"percentile":0.9777843075716126},"Officer Compensation Ratio":{"score":0.18590983070652553,"percentile":0.33854509811008},"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":0.837775318424112,"percentile":0.9770693564872931}},"source_xml":"201501339349305525_public.xml"},{"Organization":{"value":null,"Person":["MICHELLE SPURLIN","BRYAN THRASHER","CHAD MOORE","JERRY L BROWN","ALAN RUTHERFORD","DAVID NORTON","RHONDA V HEIFNER","TRENICE MARTIN"],"Title":["BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","PRESIDENT","VICE PRESIDENT","TREASURER MANAGER","SECRETARY"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,18.0,1.0],"Total Compensation":[0,0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing banking, loan, and savings services to its members which are employees or retirees of eastman corporation.","year":2022,"name":"CHEM FAMILY CREDIT UNION","phone":null,"website":"www.creditunionaccess.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1928,"state_legal_domicile":"AL","total_volunteers":null,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"702 CLYDESDALE AVENUE, ANNISTON, AL, 36201, USA","city":"ANNISTON","state":"AL","country":"USA","zip_code":36201},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"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":80624,"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":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":41309,"Investment income total":41309,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":39315,"Other total":39315,"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":80543,"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":37645,"Current officers":34970,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2675},"Other expenses":{"value":42898,"Management services":7200,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":988,"Information technology":1427,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":14037,"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":18909,"LEAGUE DUES":3110,"SURETY BOND PREMIUM":4900,"AUDIT FEE":9996,"CREDIT REPORTS":903},"All other expenses":337},"Functional Expenses":{"value":null,"Program Service Expenses":80543,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":7263600,"Non-interest bearing cash":137110,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1009147,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":6117343},"Liabilities":{"value":13605,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"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":13605},"Fund balance":{"value":7249995,"Net assets without donor restriction":7249995,"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":0.001004663623734868,"percentile":0.39799546699508975},"Liabilities to Assets Ratio":{"score":0.0018730381628944326,"percentile":0.5579018587981968},"Operating Reserve Ratio":{"score":90.18288367704207,"percentile":0.9884585669424337},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":-0.04031774854277506,"percentile":0.21498781920495355},"Revenue Growth":{"score":-0.05598029001578408,"percentile":0.20810610520987577},"Asset Growth":{"score":0.024777360593581942,"percentile":0.4240432743163602},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6656770611908835,"percentile":0.7789877295399172}},"source_xml":"202301359349310900_public.xml"},{"Organization":{"value":null,"Person":["JERRY L BROWN","ALAN RUTHERFORD","DAVID NORTON","BRYAN THRASHER","MICHELLE SPURLIN","TRENICE MARTIN","RHONDA V HEIFNER"],"Title":["PRESIDENT","VICE PRESIDENT","SECRETARY","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","TREASURER MANAGER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,18.0],"Total Compensation":[0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing banking, loan, and savings services to its members which are employees or retirees of solutia corporation.","year":2017,"name":"CHEM FAMILY CREDIT UNION","phone":null,"website":"www.creditunionaccess.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1928,"state_legal_domicile":"AL","total_volunteers":null,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"702 CLYDESDALE AVENUE, ANNISTON, AL, 36201, USA","city":"ANNISTON","state":"AL","country":"USA","zip_code":36201},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"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":153199,"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":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":111041,"Investment income total":111041,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":42158,"Other total":42158,"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":145332,"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":32298,"Current officers":30003,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2295},"Other expenses":{"value":113034,"Management services":6600,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":2083,"Information technology":1847,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":78023,"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":21376,"LEAGUE DUES":4559,"SURETY BOND PREMIUM":6340,"AUDIT FEE":9575,"CREDIT REPORTS":902},"All other expenses":3105},"Functional Expenses":{"value":null,"Program Service Expenses":145332,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":6815183,"Non-interest bearing cash":158781,"Savings and temp cash investments":3330559,"Pledges and grants receivable":0,"Accounts receivable":745456,"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":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":2580387},"Liabilities":{"value":3259,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"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":3259},"Fund balance":{"value":6811924,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":5697319,"Temporarily restricted net assets":1114605,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.0513515101273507,"percentile":0.5279807380918947},"Liabilities to Assets Ratio":{"score":0.0004781969904549885,"percentile":0.5775160881171618},"Operating Reserve Ratio":{"score":46.89389122835989,"percentile":0.9797304466075846},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":0.004826759071153087,"percentile":0.34240459091294695},"Revenue Growth":{"score":-0.01955772165731907,"percentile":0.2978184140379876},"Asset Growth":{"score":0.03297470437593298,"percentile":0.45838696410002505},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7147099346967166,"percentile":0.8719250105441924}},"source_xml":"201830949349300503_public.xml"},{"Organization":{"value":null,"Person":["BRYAN THRASHER","MICHELLE SPURLIN","TRENICE MARTIN","DAVID NORTON","JERRY L BROWN","ALAN RUTHERFORD","RHONDA V HEIFNER"],"Title":["BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","SECRETARY","PRESIDENT","VICE PRESIDENT","TREASURER MANAGER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,18.0],"Total Compensation":[0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing banking, loan, and savings services to its members which are employees or retirees of eastman corporation.","year":2020,"name":"CHEM FAMILY CREDIT UNION","phone":null,"website":"www.creditunionaccess.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1928,"state_legal_domicile":"AL","total_volunteers":null,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"702 CLYDESDALE AVENUE, ANNISTON, AL, 36201, USA","city":"ANNISTON","state":"AL","country":"USA","zip_code":36201},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"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":156673,"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":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":111831,"Investment income total":111831,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":44842,"Other total":44842,"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":151435,"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":34999,"Current officers":32330,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2669},"Other expenses":{"value":116436,"Management services":6600,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":965,"Information technology":1514,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":71801,"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":24446,"LEAGUE DUES":10012,"SURETY BOND PREMIUM":6953,"AUDIT FEE":6580,"CREDIT REPORTS":901},"All other expenses":11110},"Functional Expenses":{"value":null,"Program Service Expenses":151435,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":7171309,"Non-interest bearing cash":169523,"Savings and temp cash investments":1507,"Pledges and grants receivable":0,"Accounts receivable":779021,"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":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":6221258},"Liabilities":{"value":15477,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"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":15477},"Fund balance":{"value":7155832,"Net assets without donor restriction":7155832,"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":0.0334326910188737,"percentile":0.4863016308994332},"Liabilities to Assets Ratio":{"score":0.002158183394412373,"percentile":0.554702670946999},"Operating Reserve Ratio":{"score":47.3556905603064,"percentile":0.9799135413081651},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":0.034415109595866106,"percentile":0.4680544403989371},"Revenue Growth":{"score":0.015325249578727695,"percentile":0.4410178364103094},"Asset Growth":{"score":0.02712491151851308,"percentile":0.4339391846030099},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7328454259451704,"percentile":0.8969534933624085}},"source_xml":"202101039349300940_public.xml"},{"Organization":{"value":null,"Person":["JERRY L BROWN","ALAN RUTHERFORD","DAVID NORTON","MICHELLE SPURLIN","CHAD MOORE","RHONDA V HEIFNER","ASHLEY PATRICK"],"Title":["BD OF DIRECTORS MEMBER","PRESIDENT","VICE PRESIDENT","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","SECRETARY","TREASURER MANAGER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,20.0],"Total Compensation":[0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing banking, loan, and savings services to its members which are employees or retirees of eastman corporation.","year":2025,"name":"CHEM FAMILY CREDIT UNION","phone":2562370651,"website":"www.creditunionaccess.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1928,"state_legal_domicile":"AL","total_volunteers":null,"tax_period_begin":"2025-01-01T00:00:00","tax_period_end":"2025-12-31T00:00:00","address":"702 CLYDESDALE AVENUE, Anniston, AL, 36201, USA","city":"Anniston","state":"AL","country":"USA","zip_code":36201},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"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":195805,"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":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":122039,"Investment income total":122039,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":73766,"Other total":73766,"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":196232,"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":32474,"Current officers":30135,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2339},"Other expenses":{"value":163758,"Management services":7800,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":4651,"Information technology":5748,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":96252,"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":47197,"ASSOCIATION DUES":4546,"SURETY BOND PREMIUM":2557,"AUDIT FEE":38968,"CREDIT REPORTS":1126},"All other expenses":2110},"Functional Expenses":{"value":null,"Program Service Expenses":196232,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":4003580,"Non-interest bearing cash":187008,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1221884,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":2594688},"Liabilities":{"value":6496,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"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":6496},"Fund balance":{"value":3997084,"Net assets without donor restriction":3997084,"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":-0.0021807410433850004,"percentile":0.37993579771572583},"Liabilities to Assets Ratio":{"score":0.0016225478197013673,"percentile":0.560889037466017},"Operating Reserve Ratio":{"score":20.402278935138,"percentile":0.9472115344002809},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":0.003772018841667857,"percentile":0.33832447444346664},"Revenue Growth":{"score":-0.009511771340266248,"percentile":0.3318413898004144},"Asset Growth":{"score":-0.02175179225065017,"percentile":0.2400503304477621},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6755722353226993,"percentile":0.8013754146432384}},"source_xml":"202610499349302101_public.xml"},{"Organization":{"value":null,"Person":["JERRY BROWN","ALAN RUTHERFORD","DON CURRY","BRYAN THRASHER","DAVID J NORTON","TRENICE MARTIN","RHONDA V HEIFNER"],"Title":["PRESIDENT","VICE PRESIDENT","SECRETARY","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","TREASURER MANAGER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,18.0],"Total Compensation":[0,0,0,0,0,0,29164],"Direct compensation":[0,0,0,0,0,0,29164],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing banking, loan, and savings services to its members which are employees or retirees of eastman corporation.","year":2015,"name":"CHEM FAMILY CREDIT UNION","phone":null,"website":"www.creditunionaccess.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1928,"state_legal_domicile":"AL","total_volunteers":null,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"702 CLYDESDALE AVENUE, ANNISTON, AL, 36201, USA","city":"ANNISTON","state":"AL","country":"USA","zip_code":36201},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"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":162477,"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":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":104031,"Investment income total":104031,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":58446,"Other total":58446,"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":140322,"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":31401,"Current officers":29170,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2231},"Other expenses":{"value":108921,"Management services":4634,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":2530,"Information technology":1620,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":71470,"Payments to affiliates":0,"Depreciation and depletion":112,"Insurance":579,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":25318,"LEAGUE DUES":4498,"SURETY BOND PREMIUM":6051,"AUDIT FEE":13858,"CREDIT REPORTS":911},"All other expenses":2658},"Functional Expenses":{"value":null,"Program Service Expenses":140322,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":6152180,"Non-interest bearing cash":167671,"Savings and temp cash investments":2931263,"Pledges and grants receivable":0,"Accounts receivable":934287,"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":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":2118959},"Liabilities":{"value":2610,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"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":2610},"Fund balance":{"value":6149570,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":5059123,"Temporarily restricted net assets":1090447,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.1363577614062298,"percentile":0.6800110624721936},"Liabilities to Assets Ratio":{"score":0.0004242398629428918,"percentile":0.5785152966162105},"Operating Reserve Ratio":{"score":43.84330325964567,"percentile":0.9783556196229826},"Officer Compensation Ratio":{"score":0.2078362623109705,"percentile":0.3011813648233716},"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":0.8423328358907611,"percentile":0.9787542274261791}},"source_xml":"201622429349300027_public.xml"},{"Organization":{"value":null,"Person":["MICHELLE SPURLIN","BRYAN THRASHER","CHAD MOORE","JERRY L BROWN","ALAN RUTHERFORD","DAVID NORTON","RHONDA V HEIFNER","TRENICE MARTIN"],"Title":["BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","PRESIDENT","VICE PRESIDENT","TREASURER MANAGER","SECRETARY"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,18.0,1.0],"Total Compensation":[0,0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing banking, loan, and savings services to its members which are employees or retirees of eastman corporation.","year":2023,"name":"CHEM FAMILY CREDIT UNION","phone":null,"website":"www.creditunionaccess.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1928,"state_legal_domicile":"AL","total_volunteers":null,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"702 CLYDESDALE AVENUE, ANNISTON, AL, 36201, USA","city":"ANNISTON","state":"AL","country":"USA","zip_code":36201},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"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":132559,"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":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":84549,"Investment income total":84549,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":48010,"Other total":48010,"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":132439,"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":38345,"Current officers":35620,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2725},"Other expenses":{"value":94094,"Management services":4200,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":1996,"Information technology":1729,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":53203,"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":27882,"ASSOCIATION DUES":7939,"SURETY BOND PREMIUM":8557,"AUDIT FEE":10506,"CREDIT REPORTS":880},"All other expenses":5084},"Functional Expenses":{"value":null,"Program Service Expenses":132439,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":5646750,"Non-interest bearing cash":167533,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1195652,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":4283565},"Liabilities":{"value":17789,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"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":17789},"Fund balance":{"value":5628961,"Net assets without donor restriction":5628961,"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":0.0009052572816632594,"percentile":0.39766754662369397},"Liabilities to Assets Ratio":{"score":0.003150307699118962,"percentile":0.5446114434978115},"Operating Reserve Ratio":{"score":42.6366100619908,"percentile":0.9777305512908682},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":-0.03237252509913897,"percentile":0.23079971653837486},"Revenue Growth":{"score":-0.047287103370965665,"percentile":0.22559787628319322},"Asset Growth":{"score":0.009261322109581124,"percentile":0.3585497698654855},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6638602924771859,"percentile":0.7747906510361307}},"source_xml":"202431359349312298_public.xml"},{"Organization":{"value":null,"Person":["JERRY L BROWN","ALAN RUTHERFORD","DAVID NORTON","BRYAN THRASHER","MICHELLE SPURLIN","TRENICE MARTIN","RHONDA V HEIFNER"],"Title":["PRESIDENT","VICE PRESIDENT","SECRETARY","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","TREASURER MANAGER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,18.0],"Total Compensation":[0,0,0,0,0,0,29022],"Direct compensation":[0,0,0,0,0,0,29022],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing banking, loan, and savings services to its members which are employees or retirees of eastman corporation.","year":2016,"name":"CHEM FAMILY CREDIT UNION","phone":null,"website":"www.creditunionaccess.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1928,"state_legal_domicile":"AL","total_volunteers":null,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"702 CLYDESDALE AVENUE, ANNISTON, AL, 36201, USA","city":"ANNISTON","state":"AL","country":"USA","zip_code":36201},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"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":158841,"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":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":110513,"Investment income total":110513,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":48328,"Other total":48328,"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":142550,"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":31242,"Current officers":29022,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2220},"Other expenses":{"value":111308,"Management services":5880,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":2827,"Information technology":1601,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":77371,"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":21131,"LEAGUE DUES":4402,"SURETY BOND PREMIUM":6165,"AUDIT FEE":9662,"CREDIT REPORTS":902},"All other expenses":2498},"Functional Expenses":{"value":null,"Program Service Expenses":142550,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":6232116,"Non-interest bearing cash":260669,"Savings and temp cash investments":3030694,"Pledges and grants receivable":0,"Accounts receivable":574014,"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":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":2366739},"Liabilities":{"value":2476,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"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":2476},"Fund balance":{"value":6229640,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":5122902,"Temporarily restricted net assets":1106738,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.10256168117803338,"percentile":0.6276448897512962},"Liabilities to Assets Ratio":{"score":0.0003972968410729197,"percentile":0.5790263718940143},"Operating Reserve Ratio":{"score":43.71880743598737,"percentile":0.9782869085874446},"Officer Compensation Ratio":{"score":0.2035917222027359,"percentile":0.3080730259183306},"Program Expense Growth":{"score":-0.004303333442713631,"percentile":0.30654043998248504},"Revenue Growth":{"score":-0.01093480260913611,"percentile":0.3266983981134711},"Asset Growth":{"score":0.0070214669172557,"percentile":0.3492885974004346},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7012545790254273,"percentile":0.8508804225596319}},"source_xml":"201711009349301406_public.xml"},{"Organization":{"value":null,"Person":["JERRY L BROWN","ALAN RUTHERFORD","DAVID NORTON","BRYAN THRASHER","MICHELLE SPURLIN","TRENICE MARTIN","RHONDA V HEIFNER"],"Title":["PRESIDENT","VICE PRESIDENT","SECRETARY","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","TREASURER MANAGER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,18.0],"Total Compensation":[0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing banking, loan, and savings services to its members which are employees or retirees of solutia corporation.","year":2018,"name":"CHEM FAMILY CREDIT UNION","phone":null,"website":"www.creditunionaccess.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1928,"state_legal_domicile":"AL","total_volunteers":null,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"702 CLYDESDALE AVENUE, ANNISTON, AL, 36201, USA","city":"ANNISTON","state":"AL","country":"USA","zip_code":36201},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"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":179649,"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":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":135609,"Investment income total":135609,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":44040,"Other total":44040,"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":175190,"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":33077,"Current officers":30726,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2351},"Other expenses":{"value":142113,"Management services":6600,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":1438,"Information technology":1510,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":95155,"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":27509,"LEAGUE DUES":4954,"SURETY BOND PREMIUM":6484,"AUDIT FEE":15169,"CREDIT REPORTS":902},"All other expenses":9901},"Functional Expenses":{"value":null,"Program Service Expenses":175190,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":6736614,"Non-interest bearing cash":102580,"Savings and temp cash investments":3330412,"Pledges and grants receivable":0,"Accounts receivable":550534,"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":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":2753088},"Liabilities":{"value":4096,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"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":4096},"Fund balance":{"value":6732518,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":5613454,"Temporarily restricted net assets":1119064,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.02482062243597237,"percentile":0.46478442955000726},"Liabilities to Assets Ratio":{"score":0.0006080205871970696,"percentile":0.5752526084298948},"Operating Reserve Ratio":{"score":38.453187967349734,"percentile":0.9751985496312946},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":0.04539942824103816,"percentile":0.5137150696528966},"Revenue Growth":{"score":0.01548375877031302,"percentile":0.44182134137174256},"Asset Growth":{"score":0.028762286842698492,"percentile":0.4408158848186357},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7358317146757342,"percentile":0.9007234045872086}},"source_xml":"201941029349300344_public.xml"},{"Organization":{"value":null,"Person":["MICHELLE SPURLIN","BRYAN THRASHER","CHAD MOORE","JERRY L BROWN","ALAN RUTHERFORD","DAVID NORTON","RHONDA V HEIFNER","TRENICE MARTIN"],"Title":["BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","PRESIDENT","VICE PRESIDENT","TREASURER MANAGER","SECRETARY"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,18.0,1.0],"Total Compensation":[0,0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing banking, loan, and savings services to its members which are employees or retirees of eastman corporation.","year":2021,"name":"CHEM FAMILY CREDIT UNION","phone":null,"website":"www.creditunionaccess.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1928,"state_legal_domicile":"AL","total_volunteers":null,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"702 CLYDESDALE AVENUE, ANNISTON, AL, 36201, USA","city":"ANNISTON","state":"AL","country":"USA","zip_code":36201},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"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":91563,"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":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":55446,"Investment income total":55446,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":36117,"Other total":36117,"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":91989,"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":34793,"Current officers":32320,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2473},"Other expenses":{"value":57196,"Management services":6250,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":1347,"Information technology":1530,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":25774,"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":19569,"LEAGUE DUES":2000,"SURETY BOND PREMIUM":6517,"AUDIT FEE":10150,"CREDIT REPORTS":902},"All other expenses":2726},"Functional Expenses":{"value":null,"Program Service Expenses":91989,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":7363774,"Non-interest bearing cash":243643,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":908087,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":6212044},"Liabilities":{"value":11654,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"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":11654},"Fund balance":{"value":7352120,"Net assets without donor restriction":7352120,"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":-0.004652534320631696,"percentile":0.37342467277765673},"Liabilities to Assets Ratio":{"score":0.001582612394133769,"percentile":0.5613767610076806},"Operating Reserve Ratio":{"score":80.05059300568546,"percentile":0.9872581447333294},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":-0.011560447795528561,"percentile":0.2833643672970289},"Revenue Growth":{"score":-0.02909667380178007,"percentile":0.26966158442779387},"Asset Growth":{"score":0.027492384815892452,"percentile":0.43548509641762834},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6759856366251288,"percentile":0.8022453480063427}},"source_xml":"202200979349300120_public.xml"},{"Organization":{"value":null,"Person":["JERRY L BROWN","MICHELLE SPURLIN","CHAD MOORE","ALAN RUTHERFORD","DAVID NORTON","TRENICE MARTIN","ASHLEY PATRICK"],"Title":["BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","PRESIDENT","VICE PRESIDENT","SECRETARY","TREASURER MANAGER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,20.0],"Total Compensation":[0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing banking, loan, and savings services to its members which are employees or retirees of eastman corporation.","year":2024,"name":"CHEM FAMILY CREDIT UNION","phone":2562370651,"website":"www.creditunionaccess.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1928,"state_legal_domicile":"AL","total_volunteers":null,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"702 CLYDESDALE AVENUE, Anniston, AL, 36201, USA","city":"Anniston","state":"AL","country":"USA","zip_code":36201},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":3,"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":169805,"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":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":95208,"Investment income total":95208,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":74597,"Other total":74597,"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":169322,"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":29444,"Current officers":27325,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2119},"Other expenses":{"value":139878,"Management services":6600,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":2241,"Information technology":3801,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":83821,"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":41364,"ASSOCIATION DUES":7263,"SURETY BOND PREMIUM":6107,"AUDIT FEE":27091,"CREDIT REPORTS":903},"All other expenses":2051},"Functional Expenses":{"value":null,"Program Service Expenses":169322,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":4423190,"Non-interest bearing cash":69939,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1422268,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":2930983},"Liabilities":{"value":4743,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"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":4743},"Fund balance":{"value":4418447,"Net assets without donor restriction":4418447,"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":0.0028444392096816937,"percentile":0.4039589710270429},"Liabilities to Assets Ratio":{"score":0.0010723030211227643,"percentile":0.5680813721971771},"Operating Reserve Ratio":{"score":26.122949173763597,"percentile":0.9610523620529968},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":-0.014117524898310797,"percentile":0.2759620600153727},"Revenue Growth":{"score":-0.028182386563371613,"percentile":0.2721462905367553},"Asset Growth":{"score":-0.008481980816685457,"percentile":0.28590144686019253},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6707908712669471,"percentile":0.7908134236917452}},"source_xml":"202510429349300541_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["JERRY L BROWN","ALAN RUTHERFORD","DAVID NORTON","MICHELLE SPURLIN","CHAD MOORE","RHONDA V HEIFNER","ASHLEY PATRICK"],"Title":["BD OF DIRECTORS MEMBER","PRESIDENT","VICE PRESIDENT","BD OF DIRECTORS MEMBER","BD OF DIRECTORS MEMBER","SECRETARY","TREASURER MANAGER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,20.0],"Total Compensation":[0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing banking, loan, and savings services to its members which are employees or retirees of eastman corporation.","year":2025,"name":"CHEM FAMILY CREDIT UNION","phone":2562370651,"website":"www.creditunionaccess.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1928,"state_legal_domicile":"AL","total_volunteers":null,"tax_period_begin":"2025-01-01T00:00:00","tax_period_end":"2025-12-31T00:00:00","address":"702 CLYDESDALE AVENUE, Anniston, AL, 36201, USA","city":"Anniston","state":"AL","country":"USA","zip_code":36201},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":1,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":1,"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":195805,"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":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":122039,"Investment income total":122039,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":73766,"Other total":73766,"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":196232,"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":32474,"Current officers":30135,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":2339},"Other expenses":{"value":163758,"Management services":7800,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":4651,"Information technology":5748,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":96252,"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":47197,"ASSOCIATION DUES":4546,"SURETY BOND PREMIUM":2557,"AUDIT FEE":38968,"CREDIT REPORTS":1126},"All other expenses":2110},"Functional Expenses":{"value":null,"Program Service Expenses":196232,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":4003580,"Non-interest bearing cash":187008,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1221884,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":2594688},"Liabilities":{"value":6496,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"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":6496},"Fund balance":{"value":3997084,"Net assets without donor restriction":3997084,"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":-0.0021807410433850004,"percentile":0.37993579771572583},"Liabilities to Assets Ratio":{"score":0.0016225478197013673,"percentile":0.560889037466017},"Operating Reserve Ratio":{"score":20.402278935138,"percentile":0.9472115344002809},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":0.003772018841667857,"percentile":0.33832447444346664},"Revenue Growth":{"score":-0.009511771340266248,"percentile":0.3318413898004144},"Asset Growth":{"score":-0.02175179225065017,"percentile":0.2400503304477621},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6755722353226993,"percentile":0.8013754146432384}},"source_xml":"202610499349302101_public.xml"},"sector":"Public, Societal Benefit","donation_categories":[],"zakat_policy":null},"error":null}