{"success":true,"data":{"_id":741115584,"filings":[{"Organization":{"value":null,"Person":["GARY WALDROP","PAUL WHEELINGTON","RAUL LITO MORALES","RICHARD D NEWTON","TONY LUCENTI","Brandon Rascoe","BRANDON ROSE","BRIAN ALLEN","CODY BURRELL","FLOYD PRICE","RAYMOND NALLIE","CODY BUCHHOLZ","JOHN DOUCET","JONATHAN E HASKETT JR","KEISHA SMITH","LADEDRA JONES","PHILLIP BRENT","ALLISON DEYOUNG","AMANDA LEBLANC","DUSTIN WILLIAMS","LANA FLOYD","PIERCE HARRINGTON","BROOKE COLLINS","CARI RIZZATO","JEFF KELLUM","JENNIFER WILLETT","LATISHA ADKINS"],"Title":["CHAIRMAN","1ST VICE CHAIRMAN","SECRETARY/TREASURER","AUDIT COMMITTEE CHAIR","2ND VICE CHAIRMAN","DIRECTOR - PART YEAR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CHIEF MARKETING OFFICER","PRESIDENT/CEO","CHIEF FINANCIAL OFFICER","CHIEF EXPERIENCE OFFICER","CHIEF TECHNOLOGY OFFICER","CHIEF LEGAL COUNSEL","VP OF HUMAN RESOURCES","VP OF EXPERIENCE CENTERS","VP OF FINANCE & ANALYTICS","VP OF CONSUMER LENDING","AVP SR. COMMERCIAL LENDER","VP OF VIRUTAL SERVICES","AVP OF SUPPORT SERVICES","SR. SYSTEMS & NETWORK MANAGER","COMMERCIAL LENDING & SERVICES MANAGER","VP OF PROJECTS AND INNOVATION"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,298120,509868,321192,308867,309960,300097,209650,178824,200024,173625,210841,176068,152939,142495,148266,154851],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,255711,431443,265393,268018,266746,268737,172829,157684,172651,145988,179906,140259,115122,118531,114984,137824],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,42409,78425,55799,40849,43214,31360,36821,21140,27373,27637,30935,35809,37817,23964,33282,17027]},"Basic":{"value":null,"mission":"To enrich people's lives one experience at a time.","year":2024,"name":"RAVE FINANCIAL CREDIT UNION","phone":4099245151,"website":"WWW.BANKWITHRAVE.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1935,"state_legal_domicile":"TX","total_volunteers":10,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO BOX 12849, BEAUMONT, TX, 77726, USA","city":"BEAUMONT","state":"TX","country":"USA","zip_code":77726},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":353,"Total Gross UBI":152510,"Net unrelated business taxable income":null,"Number of employees":353,"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":68821965,"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":62796215,"Total revenue":{"value":62796215,"LOAN INTEREST":44508650,"FEES, CHARGES, OTHER":18287565},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":5680727,"Investment income total":5680727,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":345023,"Other total":152510,"Royalties revenue":0,"Net rental income":192513,"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":64381342,"Grant expense":{"value":139755,"Grants to domestic orgs":115755,"Grants to domestic individuals":24000,"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":25540172,"Current officers":3021068,"Disqualified persons":0,"Other salaries and wages":16545779,"Pension plan contributions":956860,"Other employee benefits":3605947,"Payroll taxes":1410518},"Other expenses":{"value":38701415,"Management services":0,"Legal":54974,"Accounting":61884,"Lobbying services":0,"Investment management fees":0,"Other services":98629,"Advertising":1228180,"Office expenses":12313885,"Information technology":0,"Royalties":0,"Occupancy":1900306,"Travel":116741,"Conferences and meetings":45478,"Interest":16835035,"Payments to affiliates":0,"Depreciation and depletion":2080281,"Insurance":335139,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3630883,"PROVISION FOR LOAN LOSS":3040321,"LOAN SERVICING":484030,"FEDERAL OPERATING FEE":106532},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1080320770,"Non-interest bearing cash":22301395,"Savings and temp cash investments":57321198,"Pledges and grants receivable":0,"Accounts receivable":433480,"Receivables from officers":4062600,"Receivables from disqual persons":0,"Other net note and loans":826239558,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2012625,"Land, building, equipment":45048683,"Investments publicly traded":87208055,"Investments other":9732800,"Investments program related":0,"Intangible assets":0,"Other assets":25960376},"Liabilities":{"value":934286739,"Sum of Total Liabilities":0,"Accounts payable, accrued":10857758,"Grants payable":0,"Deferred, revenue":568960,"Tax exempt bond liabilities":0,"Escrow account liability":962703,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":921897318},"Fund balance":{"value":146034031,"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":0.0645233393147086,"percentile":0.5561735340746766},"Liabilities to Assets Ratio":{"score":0.8648234533156296,"percentile":0.07012444426964783},"Operating Reserve Ratio":{"score":16.78002875429344,"percentile":0.934248591272203},"Officer Compensation Ratio":{"score":0.05895631998475583,"percentile":0.714168710168802},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.5614707698611333,"percentile":0.9851989906633843},"Asset Growth":{"score":0.004766963538519016,"percentile":0.3398967766028462},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6190362098195773,"percentile":0.6600200424647472}},"source_xml":"202533219349304778_public.xml"},{"Organization":{"value":null,"Person":["GARY WALDROP","PAUL WHEELINGTON","TONY LUCENTI","RAUL LITO MORALES","RICHARD D NEWTON","CODY BURRELL","FLOYD PRICE","RAYMOND NALLIE","BRANDON RASCOE","CODY BROUSSARD","RICHARD HEGELE","JOHN DOUCET","JONATHAN E HASKETT JR","KEISHA SMITH","LADEDRA JONES","PHILLIP BRENT","CODY BUCHHOLZ","PIERCE HARRINGTON","LANA FLOYD","AMANDA LEBLANC","DUSTIN WILLIAMS","ALLISON DEYOUNG","JENNIFER WILLETT","LATISHA ADKINS","DALE FONTENOT","BROOKE COLLINS","CARI RIZZATO"],"Title":["CHAIRMAN","1ST VICE CHAIRMAN","2ND VICE CHAIRMAN","SECRETARY/TREASURER","AUDIT COMMITTEE CHAIR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","AUDIT COMMITTEE - PART YEAR","DIRECTOR - PART YEAR","PRESIDENT/CEO","CHIEF FINANCIAL OFFICER","CHIEF EXPERIENCE OFFICER","CHIEF TECHNOLOGY OFFICER","CHIEF LEGAL COUNSEL","CHIEF MARKETING OFFICER","AVP SR. COMMERCIAL LENDER","VP OF CONSUMER LENDING","VP OF EXPERIENCE CENTERS","VP OF FINANCE & ANALYTICS","VP OF HUMAN RESOURCES","COMMERCIAL LENDING & SERVICES MNGR","VP OF PROJECTS AND INNOVATION","SR SYSTEM AND APPLICATION PROGRAMMER","VP OF VIRUTAL SERVICES","AVP OF SUPPORT SERVICES"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,521887,407878,470445,397542,311168,286637,229375,205160,185682,206303,206111,155978,155893,148094,163231,158890],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,465343,281154,393205,282384,281435,264858,200629,178448,162378,174902,173551,130278,129913,128099,138177,126104],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,56544,126724,77240,115158,29733,21779,28746,26712,23304,31401,32560,25700,25980,19995,25054,32786]},"Basic":{"value":null,"mission":"To enrich people's lives one experience at a time.","year":2023,"name":"RAVE FINANCIAL CREDIT UNION","phone":4099245151,"website":"WWW.BANKWITHRAVE.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JONATHAN E HASKETT JR","year_formation":1935,"state_legal_domicile":"TX","total_volunteers":11,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"PO BOX 12849, BEAUMONT, TX, 77726, USA","city":"BEAUMONT","state":"TX","country":"USA","zip_code":77726},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":336,"Total Gross UBI":74337,"Net unrelated business taxable income":0,"Number of employees":336,"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":62195658,"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":56102913,"Total revenue":{"value":56102913,"LOAN INTEREST":38043639,"FEES, CHARGES, OTHER":18059274},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":5830357,"Investment income total":5830357,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":262388,"Other total":74337,"Royalties revenue":0,"Net rental income":188051,"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":52561566,"Grant expense":{"value":115786,"Grants to domestic orgs":95786,"Grants to domestic individuals":20000,"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":22826249,"Current officers":1960358,"Disqualified persons":0,"Other salaries and wages":14947210,"Pension plan contributions":547831,"Other employee benefits":4133446,"Payroll taxes":1237404},"Other expenses":{"value":29619531,"Management services":0,"Legal":64173,"Accounting":180000,"Lobbying services":0,"Investment management fees":0,"Other services":607727,"Advertising":1287892,"Office expenses":9667450,"Information technology":0,"Royalties":0,"Occupancy":1757543,"Travel":240000,"Conferences and meetings":368482,"Interest":10621394,"Payments to affiliates":0,"Depreciation and depletion":1757503,"Insurance":252775,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2814592,"LOAN SERVICING":1398895,"PROVISION FOR LOAN LOSS":1342152,"FED FEE & PROFESSIONAL":73545},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1107097765,"Non-interest bearing cash":17950114,"Savings and temp cash investments":101311413,"Pledges and grants receivable":0,"Accounts receivable":219587,"Receivables from officers":3847757,"Receivables from disqual persons":0,"Other net note and loans":805458499,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1997168,"Land, building, equipment":44666495,"Investments publicly traded":94361649,"Investments other":9952100,"Investments program related":0,"Intangible assets":0,"Other assets":27332983},"Liabilities":{"value":965504357,"Sum of Total Liabilities":0,"Accounts payable, accrued":11765707,"Grants payable":0,"Deferred, revenue":458303,"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":953280347},"Fund balance":{"value":141593408,"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":0.15489975200519623,"percentile":0.7049497226127897},"Liabilities to Assets Ratio":{"score":0.8721039708719853,"percentile":0.06906296447422541},"Operating Reserve Ratio":{"score":21.062876342002443,"percentile":0.9492098129867494},"Officer Compensation Ratio":{"score":0.08010176104722602,"percentile":0.6239759087337189},"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":0.6237611717572652,"percentile":0.6731308381777956}},"source_xml":"202413099349300866_public.xml"},{"Organization":{"value":null,"Person":["GARY WALDROP","RICHARD HEGELE","TONY LUCENTI","PAUL WHEELINGTON","RICHARD D NEWTON","CODY BURRELL","RAUL LITO MORALES","FLOYD PRICE","BRANDON RASCOE","BRICE ALLEN","JOHN DOUCET","JONATHAN E HASKETT JR","KEISHA SMITH","LADEDRA JONES","PHILLIP BRENT","CODY BUCHHOLZ","LISA MILLER","LANA FLOYD","PIERCE HARRINGTON","ALLISON DEYOUNG","DUSTIN WILLIAMS","JACOB WILLS","SHANE PERKINS","DALE FONTENOT"],"Title":["CHAIRMAN","1ST VICE CHAIRMAN","2ND VICE CHAIRMAN","SECRETARY/TREASURER","SUPERVISORY COMMITTEE CHAIR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR - PART YEAR","PRESIDENT/CEO","CHIEF FINANCIAL OFFICER","CHIEF EXPERIENCE OFFICER","CHIEF TECHNOLOGY OFFICER","CHIEF LEGAL COUNSEL","CHIEF MARKETING OFFICER","CHIEF OPERATING OFFICER - PART YEAR","VP OF CONSUMER LENDING","AVP SR. COMMERCIAL LENDER","VP OF HUMAN RESOURCES","VP OF ACCOUNTING & FINANCE","VP OF VIRTUAL SERVICES - PART YEAR","VP OF IS&T - PART YEAR","SEN. SYSTEMS AND APP. PROGRAMMER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,457898,266584,266922,246837,266697,214902,208702,184899,196574,146103,141797,132033,149253,142431],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,409082,228371,234081,214872,241749,184602,190471,161274,171030,120245,131133,115019,127396,123820],"Other compensation":[0,0,0,0,0,0,0,0,0,0,48816,38213,32841,31965,24948,30300,18231,23625,25544,25858,10664,17014,21857,18611]},"Basic":{"value":null,"mission":"To enrich people's lives one experience at a time.","year":2022,"name":"MOBILOIL CREDIT UNION","phone":4099245151,"website":"WWW.MOBILOILCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JONATHAN E HASKETT JR","year_formation":1935,"state_legal_domicile":"TX","total_volunteers":11,"tax_period_begin":"2022-10-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"PO BOX 12849, BEAUMONT, TX, 77726, USA","city":"BEAUMONT","state":"TX","country":"USA","zip_code":77726},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":320,"Total Gross UBI":20127,"Net unrelated business taxable income":0,"Number of employees":320,"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":14392822,"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":12784589,"Total revenue":{"value":12784589,"LOAN INTEREST":8618322,"FEES, CHARGES, OTHER":4166267},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1544331,"Investment income total":1544331,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":63902,"Other total":20127,"Royalties revenue":0,"Net rental income":43775,"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":11759386,"Grant expense":{"value":10389,"Grants to domestic orgs":10389,"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":5054277,"Current officers":422625,"Disqualified persons":0,"Other salaries and wages":3317657,"Pension plan contributions":101372,"Other employee benefits":967296,"Payroll taxes":245327},"Other expenses":{"value":6694720,"Management services":0,"Legal":15942,"Accounting":32726,"Lobbying services":0,"Investment management fees":0,"Other services":53765,"Advertising":319904,"Office expenses":2228219,"Information technology":0,"Royalties":0,"Occupancy":436551,"Travel":24718,"Conferences and meetings":-42839,"Interest":1627803,"Payments to affiliates":0,"Depreciation and depletion":448125,"Insurance":60331,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1489475,"PROVISION FOR LOAN LOSS":1113226,"LOAN SERVICING":318416,"FED FEE & PROFESSIONAL":57833},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1069968872,"Non-interest bearing cash":12844808,"Savings and temp cash investments":77662243,"Pledges and grants receivable":0,"Accounts receivable":227195,"Receivables from officers":3913325,"Receivables from disqual persons":0,"Other net note and loans":791288767,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1525380,"Land, building, equipment":41719695,"Investments publicly traded":102771599,"Investments other":8876700,"Investments program related":0,"Intangible assets":0,"Other assets":29139160},"Liabilities":{"value":932009558,"Sum of Total Liabilities":0,"Accounts payable, accrued":12234988,"Grants payable":0,"Deferred, revenue":13511,"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":919761059},"Fund balance":{"value":137959314,"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":0.1829687048168872,"percentile":0.7384438639658311},"Liabilities to Assets Ratio":{"score":0.8710623106800064,"percentile":0.06921536527850837},"Operating Reserve Ratio":{"score":90.98849820900513,"percentile":0.9885408180937982},"Officer Compensation Ratio":{"score":0.2569549124418571,"percentile":0.2326627911349532},"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":0.6050039114864959,"percentile":0.62008910117485}},"source_xml":"202420169349300997_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["GARY WALDROP","PAUL WHEELINGTON","RAUL LITO MORALES","RICHARD D NEWTON","TONY LUCENTI","Brandon Rascoe","BRANDON ROSE","BRIAN ALLEN","CODY BURRELL","FLOYD PRICE","RAYMOND NALLIE","CODY BUCHHOLZ","JOHN DOUCET","JONATHAN E HASKETT JR","KEISHA SMITH","LADEDRA JONES","PHILLIP BRENT","ALLISON DEYOUNG","AMANDA LEBLANC","DUSTIN WILLIAMS","LANA FLOYD","PIERCE HARRINGTON","BROOKE COLLINS","CARI RIZZATO","JEFF KELLUM","JENNIFER WILLETT","LATISHA ADKINS"],"Title":["CHAIRMAN","1ST VICE CHAIRMAN","SECRETARY/TREASURER","AUDIT COMMITTEE CHAIR","2ND VICE CHAIRMAN","DIRECTOR - PART YEAR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CHIEF MARKETING OFFICER","PRESIDENT/CEO","CHIEF FINANCIAL OFFICER","CHIEF EXPERIENCE OFFICER","CHIEF TECHNOLOGY OFFICER","CHIEF LEGAL COUNSEL","VP OF HUMAN RESOURCES","VP OF EXPERIENCE CENTERS","VP OF FINANCE & ANALYTICS","VP OF CONSUMER LENDING","AVP SR. COMMERCIAL LENDER","VP OF VIRUTAL SERVICES","AVP OF SUPPORT SERVICES","SR. SYSTEMS & NETWORK MANAGER","COMMERCIAL LENDING & SERVICES MANAGER","VP OF PROJECTS AND INNOVATION"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,298120,509868,321192,308867,309960,300097,209650,178824,200024,173625,210841,176068,152939,142495,148266,154851],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,255711,431443,265393,268018,266746,268737,172829,157684,172651,145988,179906,140259,115122,118531,114984,137824],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,42409,78425,55799,40849,43214,31360,36821,21140,27373,27637,30935,35809,37817,23964,33282,17027]},"Basic":{"value":null,"mission":"To enrich people's lives one experience at a time.","year":2024,"name":"RAVE FINANCIAL CREDIT UNION","phone":4099245151,"website":"WWW.BANKWITHRAVE.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1935,"state_legal_domicile":"TX","total_volunteers":10,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO BOX 12849, BEAUMONT, TX, 77726, USA","city":"BEAUMONT","state":"TX","country":"USA","zip_code":77726},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":353,"Total Gross UBI":152510,"Net unrelated business taxable income":null,"Number of employees":353,"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":68821965,"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":62796215,"Total revenue":{"value":62796215,"LOAN INTEREST":44508650,"FEES, CHARGES, OTHER":18287565},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":5680727,"Investment income total":5680727,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":345023,"Other total":152510,"Royalties revenue":0,"Net rental income":192513,"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":64381342,"Grant expense":{"value":139755,"Grants to domestic orgs":115755,"Grants to domestic individuals":24000,"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":25540172,"Current officers":3021068,"Disqualified persons":0,"Other salaries and wages":16545779,"Pension plan contributions":956860,"Other employee benefits":3605947,"Payroll taxes":1410518},"Other expenses":{"value":38701415,"Management services":0,"Legal":54974,"Accounting":61884,"Lobbying services":0,"Investment management fees":0,"Other services":98629,"Advertising":1228180,"Office expenses":12313885,"Information technology":0,"Royalties":0,"Occupancy":1900306,"Travel":116741,"Conferences and meetings":45478,"Interest":16835035,"Payments to affiliates":0,"Depreciation and depletion":2080281,"Insurance":335139,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3630883,"PROVISION FOR LOAN LOSS":3040321,"LOAN SERVICING":484030,"FEDERAL OPERATING FEE":106532},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1080320770,"Non-interest bearing cash":22301395,"Savings and temp cash investments":57321198,"Pledges and grants receivable":0,"Accounts receivable":433480,"Receivables from officers":4062600,"Receivables from disqual persons":0,"Other net note and loans":826239558,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2012625,"Land, building, equipment":45048683,"Investments publicly traded":87208055,"Investments other":9732800,"Investments program related":0,"Intangible assets":0,"Other assets":25960376},"Liabilities":{"value":934286739,"Sum of Total Liabilities":0,"Accounts payable, accrued":10857758,"Grants payable":0,"Deferred, revenue":568960,"Tax exempt bond liabilities":0,"Escrow account liability":962703,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":921897318},"Fund balance":{"value":146034031,"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":0.0645233393147086,"percentile":0.5561735340746766},"Liabilities to Assets Ratio":{"score":0.8648234533156296,"percentile":0.07012444426964783},"Operating Reserve Ratio":{"score":16.78002875429344,"percentile":0.934248591272203},"Officer Compensation Ratio":{"score":0.05895631998475583,"percentile":0.714168710168802},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.5614707698611333,"percentile":0.9851989906633843},"Asset Growth":{"score":0.004766963538519016,"percentile":0.3398967766028462},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6190362098195773,"percentile":0.6600200424647472}},"source_xml":"202533219349304778_public.xml"},"sector":"Public, Societal Benefit","donation_categories":[],"zakat_policy":null},"error":null}