{"success":true,"data":{"_id":740856365,"filings":[{"Organization":{"value":null,"Person":["DOROTHY HYMAN","WILSON SEPULVADO","RICHARD LONGTINE","LARRY DAVIS","MARCINA GUEVARA","SHEILA BRASHEAR","ROGER RATCLIFF"],"Title":["CEO","CHAIRMAN","VICE-CHAIRMAN","DIRECTOR","DIRECTOR","SECRETARY","DIRECTOR"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[102739,0,0,0,0,0,0],"Direct compensation":[86104,0,0,0,0,0,0],"Other compensation":[16635,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Cooperative provider of credit union financial services","year":2021,"name":"REED CREDIT UNION","phone":7136733333,"website":"REEDCREDITUNION.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DOROTHY HYMAN","year_formation":1935,"state_legal_domicile":"TX","total_volunteers":6,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"10200 EAST FWY STE 125, HOUSTON, TX, 77029, USA","city":"HOUSTON","state":"TX","country":"USA","zip_code":77029},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"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":474751,"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":267229,"Total revenue":{"value":267229,"INTEREST INCOME":136383,"FEES AND CHARGES":22779,"MISC":108067},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":207522,"Investment income total":207522,"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":472575,"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":256446,"Current officers":184443,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":17298,"Other employee benefits":39818,"Payroll taxes":14887},"Other expenses":{"value":216129,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":2493,"Other services":0,"Advertising":712,"Office expenses":77969,"Information technology":0,"Royalties":0,"Occupancy":28849,"Travel":3905,"Conferences and meetings":0,"Interest":42983,"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":53591,"LOAN LOSS":14822,"MISC":247,"OPERATING FEE":4303,"LOAN SERVICE":34219},"All other expenses":5627},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":17226855,"Non-interest bearing cash":34527,"Savings and temp cash investments":485595,"Pledges and grants receivable":0,"Accounts receivable":163,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":3533322,"Inventories for sale or use":0,"Prepaid expenses deferred charges":73651,"Land, building, equipment":9518,"Investments publicly traded":0,"Investments other":0,"Investments program related":12931281,"Intangible assets":0,"Other assets":158798},"Liabilities":{"value":14680993,"Sum of Total Liabilities":0,"Accounts payable, accrued":57362,"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":14623631},"Fund balance":{"value":2545862,"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":0.004583455327108315,"percentile":0.40932471840933554},"Liabilities to Assets Ratio":{"score":0.8522155088668245,"percentile":0.07190101977441403},"Operating Reserve Ratio":{"score":36.453166164100935,"percentile":0.9737230811887575},"Officer Compensation Ratio":{"score":0.21740252869914828,"percentile":0.28610088071238415},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.03169835300866827,"percentile":0.5229803818804312},"Asset Growth":{"score":-0.020546286264754857,"percentile":0.24401884363889811},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.43764355549138323,"percentile":0.1874038448654833}},"source_xml":"202211179349301746_public.xml"},{"Organization":{"value":null,"Person":["CARLA CLAKLEY","DOROTHY HYMAN","RICHARD LONGTINE","MARCINA GUEVARA","SHEILA BRASHEAR","ROGER RATCLIFF","JAIR SANTANA"],"Title":["PRESIDENT","DIRECTOR","VICE-CHAIRMAN","DIRECTOR","SECRETARY","CHAIRMAN","DIRECTOR"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[101335,0,0,0,0,0,0],"Direct compensation":[80916,0,0,0,0,0,0],"Other compensation":[20419,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Cooperative provider of credit union financial services","year":2024,"name":"REED CREDIT UNION","phone":7136733333,"website":"REEDCREDITUNION.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CARLA CLAKLEY","year_formation":1935,"state_legal_domicile":"TX","total_volunteers":6,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"10200 EAST FWY STE 125, HOUSTON, TX, 77029, USA","city":"HOUSTON","state":"TX","country":"USA","zip_code":77029},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":4,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":726339,"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":181056,"Total revenue":{"value":181056,"INTEREST INCOME":155510,"FEES AND CHARGES":23470,"MISC":2076},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":545283,"Investment income total":545283,"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":613022,"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":248323,"Current officers":184597,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":16238,"Other employee benefits":31327,"Payroll taxes":16161},"Other expenses":{"value":364699,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":8056,"Other services":0,"Advertising":605,"Office expenses":94022,"Information technology":0,"Royalties":0,"Occupancy":28863,"Travel":7599,"Conferences and meetings":0,"Interest":176481,"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":43484,"LOAN LOSS":-450,"MISC":273,"OPERATING FEE":4759,"LOAN SERVICE":38902},"All other expenses":5589},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":16169567,"Non-interest bearing cash":24997,"Savings and temp cash investments":325465,"Pledges and grants receivable":0,"Accounts receivable":1024,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2687605,"Inventories for sale or use":0,"Prepaid expenses deferred charges":38520,"Land, building, equipment":44582,"Investments publicly traded":0,"Investments other":0,"Investments program related":12885215,"Intangible assets":0,"Other assets":162159},"Liabilities":{"value":13501670,"Sum of Total Liabilities":0,"Accounts payable, accrued":41143,"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":13460527},"Fund balance":{"value":2667897,"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":0.1560111738458213,"percentile":0.7063948956106564},"Liabilities to Assets Ratio":{"score":0.8350050437343189,"percentile":0.0742402901842411},"Operating Reserve Ratio":{"score":26.37681355644659,"percentile":0.9615250535592418},"Officer Compensation Ratio":{"score":0.1653040184528451,"percentile":0.3786970457820993},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.04616093134104727,"percentile":0.5899549001344121},"Asset Growth":{"score":-0.017202742927105923,"percentile":0.2552632914352168},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5059155315199256,"percentile":0.3362304447479323}},"source_xml":"202511199349301826_public.xml"},{"Organization":{"value":null,"Person":["WILSON SEPULVADO","DON HARTMAN","CARLOS URESTI","ROBERT LIVINGSTON","DOROTHY HYMAN","CARL ALBARADO"],"Title":["DIRECTOR","DIRECTOR","CHAIRMAN","SECRETARY","PRESIDENT","VICE-PRESIDENT"],"Hours":[1.0,1.0,1.0,1.0,40.0,1.0],"Total Compensation":[0,0,0,0,122824,0],"Direct compensation":[0,0,0,0,108057,0],"Other compensation":[0,0,0,0,14767,0]},"Basic":{"value":null,"mission":"Reed credit union is a cooperative thrift institution","year":2014,"name":"REED CREDIT UNION","phone":7136733333,"website":"REEDCREDITUNION.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DOROTHY HYMAN","year_formation":1935,"state_legal_domicile":"TX","total_volunteers":6,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"10200 EAST FWY 125, HOUSTON, TX, 77029, USA","city":"HOUSTON","state":"TX","country":"USA","zip_code":77029},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":5,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":397054,"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":73544,"Total revenue":{"value":73544,"INTEREST INCOM":29065,"FEES AND CHARGES":38698,"MISC":5781},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":323510,"Investment income total":323510,"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":427168,"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":263599,"Current officers":204437,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":16905,"Other employee benefits":25679,"Payroll taxes":16578},"Other expenses":{"value":163569,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":7056,"Other services":0,"Advertising":3833,"Office expenses":76000,"Information technology":0,"Royalties":0,"Occupancy":28912,"Travel":5122,"Conferences and meetings":0,"Interest":26070,"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":8935,"LOAN LOSS":1031,"MISC":422,"OPERATING FEE":4683,"LOAN SERVICING":2799},"All other expenses":7641},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":19424737,"Non-interest bearing cash":25677,"Savings and temp cash investments":279632,"Pledges and grants receivable":0,"Accounts receivable":933,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":530808,"Inventories for sale or use":0,"Prepaid expenses deferred charges":33850,"Land, building, equipment":28798,"Investments publicly traded":0,"Investments other":0,"Investments program related":18334976,"Intangible assets":0,"Other assets":190063},"Liabilities":{"value":16781434,"Sum of Total Liabilities":0,"Accounts payable, accrued":30569,"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":16750865},"Fund balance":{"value":2643303,"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":-0.0758435880258101,"percentile":0.24996418147590255},"Liabilities to Assets Ratio":{"score":0.863920783071606,"percentile":0.07024652878490675},"Operating Reserve Ratio":{"score":45.47329622069069,"percentile":0.9791261936774126},"Officer Compensation Ratio":{"score":0.2875309011911005,"percentile":0.19913730918020442},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.40001588599859805,"percentile":0.12141829935826916}},"source_xml":"201501289349302355_public.xml"},{"Organization":{"value":null,"Person":["WILSON SEPULVADO","RICHARD LONGTINE","LARRY DAVIS","MARCINA GUEVARA","SHEILA BRASHEAR","CARL ALBARADO","DOROTHY HYMAN"],"Title":["CHAIRMAN","DIRECTOR","VICE-CHAIRMAN","DIRECTOR","SECRETARY","DIRECTOR","CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,93837],"Direct compensation":[0,0,0,0,0,0,79651],"Other compensation":[0,0,0,0,0,0,14186]},"Basic":{"value":null,"mission":"Cooperative provider of credit union financial services","year":2017,"name":"REED CREDIT UNION","phone":7136733333,"website":"REEDCREDITUNION.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DOROTHY HYMAN","year_formation":1935,"state_legal_domicile":"TX","total_volunteers":6,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"10200 EAST FWY STE 125, HOUSTON, TX, 77029, USA","city":"HOUSTON","state":"TX","country":"USA","zip_code":77029},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":4,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":376970,"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":117302,"Total revenue":{"value":117302,"INTEREST INCOM":81921,"FEES & CHARGES":30569,"MISC":4812},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":259668,"Investment income total":259668,"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":417144,"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":238446,"Current officers":170785,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":14499,"Other employee benefits":39332,"Payroll taxes":13830},"Other expenses":{"value":178698,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":4286,"Other services":0,"Advertising":712,"Office expenses":79698,"Information technology":0,"Royalties":0,"Occupancy":28845,"Travel":5040,"Conferences and meetings":0,"Interest":22130,"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":32320,"LOAN LOSS":1217,"MISC":257,"OPER FEE":4954,"LOAN SERV":25892},"All other expenses":5667},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":17400848,"Non-interest bearing cash":18782,"Savings and temp cash investments":233984,"Pledges and grants receivable":0,"Accounts receivable":352,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2325691,"Inventories for sale or use":0,"Prepaid expenses deferred charges":61031,"Land, building, equipment":24497,"Investments publicly traded":0,"Investments other":0,"Investments program related":14576019,"Intangible assets":0,"Other assets":160492},"Liabilities":{"value":14923425,"Sum of Total Liabilities":0,"Accounts payable, accrued":48128,"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":14875297},"Fund balance":{"value":2477423,"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":-0.10657081465368597,"percentile":0.21670400692606956},"Liabilities to Assets Ratio":{"score":0.8576263064880516,"percentile":0.07114577546609246},"Operating Reserve Ratio":{"score":41.714247358226416,"percentile":0.9772095599684657},"Officer Compensation Ratio":{"score":0.22495109602439445,"percentile":0.2747888082666723},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.04615971108563993,"percentile":0.2280299486176775},"Asset Growth":{"score":-0.04488483067435673,"percentile":0.1752927742220186},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.3672004470500452,"percentile":0.07308580162759533}},"source_xml":"201811239349300441_public.xml"},{"Organization":{"value":null,"Person":["CARLA CLAKLEY","DOROTHY HYMAN","RICHARD LONGTINE","MARCINA GUEVARA","SHEILA BRASHEAR","ROGER RATCLIFF","JAIR SANTANA"],"Title":["PRESIDENT","DIRECTOR","VICE-CHAIRMAN","DIRECTOR","SECRETARY","CHAIRMAN","DIRECTOR"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[98841,0,0,0,0,0,0],"Direct compensation":[77562,0,0,0,0,0,0],"Other compensation":[21279,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Cooperative provider of credit union financial services","year":2023,"name":"REED CREDIT UNION","phone":7136733333,"website":"REEDCREDITUNION.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CARLA CLAKLEY","year_formation":1935,"state_legal_domicile":"TX","total_volunteers":6,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"10200 EAST FWY STE 125, HOUSTON, TX, 77029, USA","city":"HOUSTON","state":"TX","country":"USA","zip_code":77029},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":null,"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":597885,"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":197813,"Total revenue":{"value":197813,"INTEREST INCOME":170054,"FEES AND CHARGES":24786,"MISC":2973},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":400072,"Investment income total":400072,"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":541037,"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":231169,"Current officers":174418,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":14077,"Other employee benefits":28745,"Payroll taxes":13929},"Other expenses":{"value":309868,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":7616,"Other services":0,"Advertising":570,"Office expenses":85809,"Information technology":0,"Royalties":0,"Occupancy":28889,"Travel":6701,"Conferences and meetings":0,"Interest":119179,"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":55114,"LOAN LOSS":-70,"MISC":268,"OPERATING FEE":4324,"LOAN SERVICING":50592},"All other expenses":5990},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":15666930,"Non-interest bearing cash":34659,"Savings and temp cash investments":435069,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":3427528,"Inventories for sale or use":0,"Prepaid expenses deferred charges":64131,"Land, building, equipment":9552,"Investments publicly traded":0,"Investments other":0,"Investments program related":11525009,"Intangible assets":0,"Other assets":170982},"Liabilities":{"value":13112350,"Sum of Total Liabilities":0,"Accounts payable, accrued":29451,"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":13082899},"Fund balance":{"value":2554580,"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":0.09508183011783203,"percentile":0.6146438354740549},"Liabilities to Assets Ratio":{"score":0.8369444428487266,"percentile":0.07398219204795545},"Operating Reserve Ratio":{"score":28.957224736940358,"percentile":0.9656885381302798},"Officer Compensation Ratio":{"score":0.18268806015115419,"percentile":0.3445161454169306},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.032555450876865955,"percentile":0.5271320108257596},"Asset Growth":{"score":-0.018623339663249992,"percentile":0.25043126565992685},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.480235697581841,"percentile":0.2751327248332778}},"source_xml":"202411159349301516_public.xml"},{"Organization":{"value":null,"Person":["DOROTHY HYMAN","WILSON SEPULVADO","RICHARD LONGTINE","LARRY DAVIS","MARCINA GUEVARA","SHEILA BRASHEAR","ROGER RATCLIFF"],"Title":["CEO","CHAIRMAN","DIRECTOR","VICE-CHAIRMAN","DIRECTOR","SECRETARY","DIRECTOR"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[101681,0,0,0,0,0,0],"Direct compensation":[89095,0,0,0,0,0,0],"Other compensation":[12586,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Cooperative provider of credit union financial services","year":2020,"name":"REED CREDIT UNION","phone":7136733333,"website":"REEDCREDITUNION.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DOROTHY HYMAN","year_formation":1935,"state_legal_domicile":"TX","total_volunteers":6,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"10200 EAST FWY STE 125, HOUSTON, TX, 77029, USA","city":"HOUSTON","state":"TX","country":"USA","zip_code":77029},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":null,"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":528568,"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":236285,"Total revenue":{"value":236285,"Interest Income":128226,"FEES AND CHARGES":26383,"MISC":81676},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":292283,"Investment income total":292283,"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":504592,"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":258516,"Current officers":187443,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":16465,"Other employee benefits":39655,"Payroll taxes":14953},"Other expenses":{"value":246076,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":2713,"Other services":0,"Advertising":712,"Office expenses":82617,"Information technology":0,"Royalties":0,"Occupancy":28895,"Travel":2459,"Conferences and meetings":0,"Interest":77991,"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":44745,"LOAN LOSS":6005,"MISC":291,"OPERATION FEE":5199,"LOAN SERVICE":33250},"All other expenses":5944},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":17060379,"Non-interest bearing cash":28737,"Savings and temp cash investments":410642,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2947355,"Inventories for sale or use":0,"Prepaid expenses deferred charges":54138,"Land, building, equipment":11435,"Investments publicly traded":0,"Investments other":0,"Investments program related":13454629,"Intangible assets":0,"Other assets":153443},"Liabilities":{"value":14516693,"Sum of Total Liabilities":0,"Accounts payable, accrued":70522,"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":14446171},"Fund balance":{"value":2543686,"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":0.04536029422893554,"percentile":0.5144504052537368},"Liabilities to Assets Ratio":{"score":0.8509009676748682,"percentile":0.07207677231483713},"Operating Reserve Ratio":{"score":33.81024471255985,"percentile":0.9714331848838147},"Officer Compensation Ratio":{"score":0.20151132003678218,"percentile":0.3115137283783962},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.036406715161964594,"percentile":0.5455305946412659},"Asset Growth":{"score":-0.02642541374949723,"percentile":0.22443196712372088},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4598416322624367,"percentile":0.23108609880483155}},"source_xml":"202111259349300236_public.xml"},{"Organization":{"value":null,"Person":["WILSON SEPULVADO","RICHARD LONGTINE","LARRY DAVIS","MARCINA GUEVARA","SHEILA BRASHEAR","DOROTHY HYMAN","ROGER RATCLIFF"],"Title":["CHAIRMAN","DIRECTOR","VICE-CHAIRMAN","DIRECTOR","SECRETARY","CEO","DIRECTOR"],"Hours":[1.0,1.0,1.0,1.0,1.0,40.0,1.0],"Total Compensation":[0,0,0,0,0,97953,0],"Direct compensation":[0,0,0,0,0,87096,0],"Other compensation":[0,0,0,0,0,10857,0]},"Basic":{"value":null,"mission":"Cooperative provider of credit union financial services","year":2018,"name":"REED CREDIT UNION","phone":7136733333,"website":"REEDCREDITUNION.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DOROTHY HYMAN","year_formation":1935,"state_legal_domicile":"TX","total_volunteers":6,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"10200 EAST FWY STE 125, HOUSTON, TX, 77029, USA","city":"HOUSTON","state":"TX","country":"USA","zip_code":77029},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":4,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":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":460966,"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":167099,"Total revenue":{"value":167099,"INTEREST INCOME":113164,"FEES AND CHARGES":35590,"MISC":18345},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":293867,"Investment income total":293867,"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":447848,"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":248084,"Current officers":180477,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":15609,"Other employee benefits":37773,"Payroll taxes":14225},"Other expenses":{"value":199764,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":2544,"Other services":0,"Advertising":819,"Office expenses":81260,"Information technology":0,"Royalties":0,"Occupancy":28883,"Travel":7142,"Conferences and meetings":0,"Interest":35184,"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":46600,"LOAN LOSS":2433,"MISC":331,"OPERATING FEE":4969,"LOAN SERVICE":38867},"All other expenses":-2668},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":16783534,"Non-interest bearing cash":29817,"Savings and temp cash investments":250167,"Pledges and grants receivable":0,"Accounts receivable":-6304,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2682320,"Inventories for sale or use":0,"Prepaid expenses deferred charges":53961,"Land, building, equipment":15631,"Investments publicly traded":0,"Investments other":0,"Investments program related":13586459,"Intangible assets":0,"Other assets":171483},"Liabilities":{"value":14292993,"Sum of Total Liabilities":0,"Accounts payable, accrued":32221,"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":14260772},"Fund balance":{"value":2490541,"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":0.028457630280758234,"percentile":0.4740045150701727},"Liabilities to Assets Ratio":{"score":0.8516080701478008,"percentile":0.07197762985613691},"Operating Reserve Ratio":{"score":37.47596059377289,"percentile":0.9744958782472785},"Officer Compensation Ratio":{"score":0.21871929761883496,"percentile":0.28408480977481837},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.0018204390469950644,"percentile":0.3615940306580538},"Asset Growth":{"score":-0.0383278584278834,"percentile":0.19013313513663543},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4301916089743284,"percentile":0.17336712007860197}},"source_xml":"201901209349301250_public.xml"},{"Organization":{"value":null,"Person":["WILSON SEPULVADO","DON HARTMAN","CARLOS URESTI","SHEILA BRASHEAR","DOROTHY HYMAN","CARL ALBARADO","ROBERT LIVINGSTON"],"Title":["DIRECTOR","DIRECTOR","CHAIRMAN","SECRETARY","CEO","VICE CHAIRMAN","DIRECTOR"],"Hours":[1.0,1.0,1.0,1.0,40.0,1.0,1.0],"Total Compensation":[0,0,0,0,113105,0,0],"Direct compensation":[0,0,0,0,99203,0,0],"Other compensation":[0,0,0,0,13902,0,0]},"Basic":{"value":null,"mission":"Cooperative provider of credit union financial services","year":2015,"name":"REED CREDIT UNION","phone":7136733333,"website":"REEDCREDITUNION.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1935,"state_legal_domicile":"TX","total_volunteers":7,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"10200 EAST FWY STE 125, HOUSTON, TX, 77029, USA","city":"HOUSTON","state":"TX","country":"USA","zip_code":77029},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":5,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":365989,"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":69114,"Total revenue":{"value":69114,"INTEREST INCOM":24353,"FEES AND CHARGES":39357,"MISC":5404},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":296875,"Investment income total":296875,"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":425370,"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":260448,"Current officers":192640,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":16288,"Other employee benefits":35522,"Payroll taxes":15998},"Other expenses":{"value":164922,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":6943,"Other services":0,"Advertising":3820,"Office expenses":80638,"Information technology":0,"Royalties":0,"Occupancy":28624,"Travel":4424,"Conferences and meetings":0,"Interest":23884,"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":10391,"LOAN LOSS":2150,"MISC":216,"OPERATING FEES":5392,"LOAN SERVICE":2633},"All other expenses":6198},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":18262823,"Non-interest bearing cash":14869,"Savings and temp cash investments":342053,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":451711,"Inventories for sale or use":0,"Prepaid expenses deferred charges":23429,"Land, building, equipment":24549,"Investments publicly traded":0,"Investments other":0,"Investments program related":17221246,"Intangible assets":0,"Other assets":184966},"Liabilities":{"value":15678901,"Sum of Total Liabilities":0,"Accounts payable, accrued":30383,"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":15648518},"Fund balance":{"value":2583922,"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":-0.16224804570629173,"percentile":0.17281566615627392},"Liabilities to Assets Ratio":{"score":0.8585146447512523,"percentile":0.07101529251941471},"Operating Reserve Ratio":{"score":42.933970425747,"percentile":0.9778841406644236},"Officer Compensation Ratio":{"score":0.2658979241601429,"percentile":0.22218928307872787},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.10994425981116791,"percentile":0.13361671581485343},"Asset Growth":{"score":-0.04710291274398679,"percentile":0.17074895978975152},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.3459926072584929,"percentile":0.047849934695002365}},"source_xml":"201631319349301528_public.xml"},{"Organization":{"value":null,"Person":["WILSON SEPULVADO","WILLIE JONES","DON HARTMAN","CARLOS URESTI","ROBERT LIVINGSTON","DOROTHY HYMAN","CARL ALBARADO"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","CHAIRMAN","SECRETARY","PRESIDENT","VICE-PRESIDENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,40.0,1.0],"Total Compensation":[0,0,0,0,0,123115,0],"Direct compensation":[0,0,0,0,0,108675,0],"Other compensation":[0,0,0,0,0,14440,0]},"Basic":{"value":null,"mission":"Reed credit union is a cooperative thrift institution","year":2013,"name":"REED CREDIT UNION","phone":7136733333,"website":"REEDCREDITUNION.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DOROTHY HYMAN","year_formation":1935,"state_legal_domicile":"TX","total_volunteers":6,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"10200 EAST FWY 125, HOUSTON, TX, 77029, USA","city":"HOUSTON","state":"TX","country":"USA","zip_code":77029},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":455288,"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":67500,"Total revenue":{"value":67500,"INTEREST INCOME":26077,"FEES AND CHARGES":36425,"MISC":4998},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":387788,"Investment income total":387788,"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":467527,"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":263947,"Current officers":207928,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":16880,"Other employee benefits":22241,"Payroll taxes":16898},"Other expenses":{"value":203580,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":7745,"Other services":0,"Advertising":4610,"Office expenses":74606,"Information technology":0,"Royalties":0,"Occupancy":27467,"Travel":7276,"Conferences and meetings":0,"Interest":51805,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":13764,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":8671,"LOAN LOSS":571,"MISC":682,"OPERATING FEE":4799,"LOAN SERVICE":2619},"All other expenses":7636},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":20076734,"Non-interest bearing cash":17212,"Savings and temp cash investments":129182,"Pledges and grants receivable":0,"Accounts receivable":2198,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":550778,"Inventories for sale or use":0,"Prepaid expenses deferred charges":37829,"Land, building, equipment":6140,"Investments publicly traded":0,"Investments other":0,"Investments program related":19128684,"Intangible assets":0,"Other assets":204711},"Liabilities":{"value":17403317,"Sum of Total Liabilities":0,"Accounts payable, accrued":31574,"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":17371743},"Fund balance":{"value":2673417,"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":-0.026881885751436452,"percentile":0.32488267522697123},"Liabilities to Assets Ratio":{"score":0.8668400448001155,"percentile":0.06982988465061706},"Operating Reserve Ratio":{"score":42.942405465352806,"percentile":0.9778893950377294},"Officer Compensation Ratio":{"score":0.2633323850815033,"percentile":0.22510692062257912},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.41860332255991206,"percentile":0.15271570197722856}},"source_xml":"201401339349301490_public.xml"},{"Organization":{"value":null,"Person":["CARLA CLAKLEY","DOROTHY HYMAN","RICHARD LONGTINE","MARCINA GUEVARA","SHEILA BRASHEAR","ROGER RATCLIFF","JAIR SANTANA"],"Title":["PRESIDENT","DIRECTOR","VICE-CHAIRMAN","DIRECTOR","SECRETARY","CHAIRMAN","DIRECTOR"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[79490,49263,0,0,0,0,0],"Direct compensation":[60755,49263,0,0,0,0,0],"Other compensation":[18735,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Cooperative provider of credit union financial services","year":2022,"name":"REED CREDIT UNION","phone":7136733333,"website":"REEDCREDITUNION.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1935,"state_legal_domicile":"TX","total_volunteers":6,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"10200 EAST FWY STE 125, HOUSTON, TX, 77029, USA","city":"HOUSTON","state":"TX","country":"USA","zip_code":77029},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":4,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":431886,"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":187551,"Total revenue":{"value":187551,"INTEREST INCOME":151241,"FEES AND CHARGES":26515,"MISC":9795},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":244335,"Investment income total":244335,"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":474364,"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":240854,"Current officers":176434,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":13626,"Other employee benefits":37797,"Payroll taxes":12997},"Other expenses":{"value":233510,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":6239,"Other services":0,"Advertising":760,"Office expenses":81453,"Information technology":0,"Royalties":0,"Occupancy":28852,"Travel":7329,"Conferences and meetings":0,"Interest":40703,"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":62818,"LOAN LOSS":2087,"MISC":6906,"OPERATING FEE":4462,"LOAN SERVICE":49363},"All other expenses":5356},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":16760716,"Non-interest bearing cash":40865,"Savings and temp cash investments":346382,"Pledges and grants receivable":0,"Accounts receivable":-240,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":3958762,"Inventories for sale or use":0,"Prepaid expenses deferred charges":89161,"Land, building, equipment":9492,"Investments publicly traded":0,"Investments other":0,"Investments program related":12151056,"Intangible assets":0,"Other assets":165238},"Liabilities":{"value":14262984,"Sum of Total Liabilities":0,"Accounts payable, accrued":29784,"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":14233200},"Fund balance":{"value":2497732,"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":-0.09835465840522731,"percentile":0.2248402636487938},"Liabilities to Assets Ratio":{"score":0.8509770107673205,"percentile":0.07206345772844143},"Operating Reserve Ratio":{"score":35.333026958200875,"percentile":0.9728160955196565},"Officer Compensation Ratio":{"score":0.27142236763329425,"percentile":0.2159813669722844},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.022447817519293718,"percentile":0.4771433634829672},"Asset Growth":{"score":-0.017919526888627735,"percentile":0.25285807245487374},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.39459246634408546,"percentile":0.11301934271834778}},"source_xml":"202330909349300548_public.xml"},{"Organization":{"value":null,"Person":["WILSON SEPULVADO","DON HARTMAN","LARRY DAVIS","CARLOS URESTI","SHEILA BRASHEAR","CARL ALBARADO","DOROTHY HYMAN"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","CHAIRMAN","SECRETARY","VICE CHAIRMAN","CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,113162],"Direct compensation":[0,0,0,0,0,0,99203],"Other compensation":[0,0,0,0,0,0,13959]},"Basic":{"value":null,"mission":"Cooperative provider of credit union financial services","year":2016,"name":"REED CREDIT UNION","phone":7136733333,"website":"REEDCREDITUNION.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DOROTHY HYMAN","year_formation":1935,"state_legal_domicile":"TX","total_volunteers":7,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"10200 EAST FWY STE 125, HOUSTON, TX, 77029, USA","city":"HOUSTON","state":"TX","country":"USA","zip_code":77029},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":4,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":372064,"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":84504,"Total revenue":{"value":84504,"interest income":39079,"fees & charges":39858,"misc":5567},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":287560,"Investment income total":287560,"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":438389,"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":261786,"Current officers":191212,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":16354,"Other employee benefits":38364,"Payroll taxes":15856},"Other expenses":{"value":176603,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":6468,"Other services":0,"Advertising":2804,"Office expenses":80547,"Information technology":0,"Royalties":0,"Occupancy":28943,"Travel":3951,"Conferences and meetings":0,"Interest":22461,"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":25467,"loan loss":9500,"misc":272,"operating fee":4741,"loan servicing":10954},"All other expenses":5962},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":16543826,"Non-interest bearing cash":22842,"Savings and temp cash investments":298723,"Pledges and grants receivable":0,"Accounts receivable":579,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1672112,"Inventories for sale or use":0,"Prepaid expenses deferred charges":69615,"Land, building, equipment":25532,"Investments publicly traded":0,"Investments other":0,"Investments program related":14278537,"Intangible assets":0,"Other assets":175886},"Liabilities":{"value":14026229,"Sum of Total Liabilities":0,"Accounts payable, accrued":24943,"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":14001286},"Fund balance":{"value":2517597,"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":-0.1782623419626731,"percentile":0.16306772870204062},"Liabilities to Assets Ratio":{"score":0.8478225653485475,"percentile":0.0724928019297547},"Operating Reserve Ratio":{"score":37.73777626719649,"percentile":0.9746870565990988},"Officer Compensation Ratio":{"score":0.258131476839063,"percentile":0.23127869592248676},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.07060811936657246,"percentile":0.18269071134266238},"Asset Growth":{"score":-0.06330741781651858,"percentile":0.14369802628498662},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.3478422000813556,"percentile":0.04963179820425755}},"source_xml":"201701039349300545_public.xml"},{"Organization":{"value":null,"Person":["WILSON SEPULVADO","RICHARD LONGTINE","LARRY DAVIS","MARCINA GUEVARA","SHEILA BRASHEAR","ROGER RATCLIFF","DOROTHY HYMAN"],"Title":["CHAIRMAN","DIRECTOR","VICE-CHAIRMAN","DIRECTOR","SECRETARY","DIRECTOR","CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,0,0,0,0,0,92333],"Direct compensation":[0,0,0,0,0,0,92333],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Cooperative provider of credit union financial services","year":2019,"name":"REED CREDIT UNION","phone":7136733333,"website":"REEDCREDITUNION.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DOROTHY HYMAN","year_formation":1935,"state_legal_domicile":"TX","total_volunteers":6,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"10200 EAST FWY STE 125, HOUSTON, TX, 77029, USA","city":"HOUSTON","state":"TX","country":"USA","zip_code":77029},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":4,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":500854,"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":159035,"Total revenue":{"value":159035,"INTEREST INCOME":118762,"FEES AND CHARGES":33343,"MISC":6930},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":341819,"Investment income total":341819,"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":471685,"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":232077,"Current officers":165436,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":13638,"Other employee benefits":37960,"Payroll taxes":15043},"Other expenses":{"value":239608,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":2174,"Other services":0,"Advertising":819,"Office expenses":85198,"Information technology":0,"Royalties":0,"Occupancy":28885,"Travel":5805,"Conferences and meetings":0,"Interest":70672,"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":40448,"LOAN LOSS":2233,"MISC":278,"OPERATING FEE":5009,"LOAN SERVICE":32928},"All other expenses":5607},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":16481819,"Non-interest bearing cash":14681,"Savings and temp cash investments":366133,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2563196,"Inventories for sale or use":0,"Prepaid expenses deferred charges":46311,"Land, building, equipment":13352,"Investments publicly traded":0,"Investments other":0,"Investments program related":13311998,"Intangible assets":0,"Other assets":166148},"Liabilities":{"value":13962109,"Sum of Total Liabilities":0,"Accounts payable, accrued":41417,"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":13920692},"Fund balance":{"value":2519710,"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":0.05823852859316288,"percentile":0.542983961249554},"Liabilities to Assets Ratio":{"score":0.847121849839511,"percentile":0.07258497983557101},"Operating Reserve Ratio":{"score":34.94242767948949,"percentile":0.9724715298855617},"Officer Compensation Ratio":{"score":0.19575140188897253,"percentile":0.32119751097288607},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.02351362238984564,"percentile":0.4824918508638798},"Asset Growth":{"score":-0.0338652089976148,"percentile":0.20184774871335223},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.45817818192807636,"percentile":0.22768715916360807}},"source_xml":"202001299349301015_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["CARLA CLAKLEY","DOROTHY HYMAN","RICHARD LONGTINE","MARCINA GUEVARA","SHEILA BRASHEAR","ROGER RATCLIFF","JAIR SANTANA"],"Title":["PRESIDENT","DIRECTOR","VICE-CHAIRMAN","DIRECTOR","SECRETARY","CHAIRMAN","DIRECTOR"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[101335,0,0,0,0,0,0],"Direct compensation":[80916,0,0,0,0,0,0],"Other compensation":[20419,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Cooperative provider of credit union financial services","year":2024,"name":"REED CREDIT UNION","phone":7136733333,"website":"REEDCREDITUNION.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CARLA CLAKLEY","year_formation":1935,"state_legal_domicile":"TX","total_volunteers":6,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"10200 EAST FWY STE 125, HOUSTON, TX, 77029, USA","city":"HOUSTON","state":"TX","country":"USA","zip_code":77029},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":4,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":726339,"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":181056,"Total revenue":{"value":181056,"INTEREST INCOME":155510,"FEES AND CHARGES":23470,"MISC":2076},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":545283,"Investment income total":545283,"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":613022,"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":248323,"Current officers":184597,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":16238,"Other employee benefits":31327,"Payroll taxes":16161},"Other expenses":{"value":364699,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":8056,"Other services":0,"Advertising":605,"Office expenses":94022,"Information technology":0,"Royalties":0,"Occupancy":28863,"Travel":7599,"Conferences and meetings":0,"Interest":176481,"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":43484,"LOAN LOSS":-450,"MISC":273,"OPERATING FEE":4759,"LOAN SERVICE":38902},"All other expenses":5589},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":16169567,"Non-interest bearing cash":24997,"Savings and temp cash investments":325465,"Pledges and grants receivable":0,"Accounts receivable":1024,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2687605,"Inventories for sale or use":0,"Prepaid expenses deferred charges":38520,"Land, building, equipment":44582,"Investments publicly traded":0,"Investments other":0,"Investments program related":12885215,"Intangible assets":0,"Other assets":162159},"Liabilities":{"value":13501670,"Sum of Total Liabilities":0,"Accounts payable, accrued":41143,"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":13460527},"Fund balance":{"value":2667897,"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":0.1560111738458213,"percentile":0.7063948956106564},"Liabilities to Assets Ratio":{"score":0.8350050437343189,"percentile":0.0742402901842411},"Operating Reserve Ratio":{"score":26.37681355644659,"percentile":0.9615250535592418},"Officer Compensation Ratio":{"score":0.1653040184528451,"percentile":0.3786970457820993},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.04616093134104727,"percentile":0.5899549001344121},"Asset Growth":{"score":-0.017202742927105923,"percentile":0.2552632914352168},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5059155315199256,"percentile":0.3362304447479323}},"source_xml":"202511199349301826_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}