{"success":true,"data":{"_id":750796472,"filings":[{"Organization":{"value":null,"Person":["RICHARD HOWDESHELL","MICHAEL J FRANKO","KOSTAS LUECKER","MARC RHODES","DIANE DORSEY","KYLE KOKE","TAMMY TRUDELLE","ROCHELLE DRAKE","CARL AUZENNE","GRETCHEN MCGINNIS","VALERIE GROSSKURTH","GINDA ABRAHAM","NEAL SPENCER","HENRY CHRISTIANSEN","MICHAEL CLARDY","LEIGHTON WATERS","TOMAS TIJERINA","JANICE GRACZYK","STANLEY SPIVEY","TUNISIA SADRUDDIN","NEAL OLIVER","HERBERT SIMS"],"Title":["PRESIDENT/CEO","SR VP-FINANCE","INVESTMENT CONSULTANT","VP-SUPPORT SERVICES","VP-OPERATIONS","SR VP-LENDING","VP-HUMAN RESOURCES","VP-MARKETING","VP-INFORMATION SERVICES","DIRECTOR OF INTERNAL AUDIT","AVP-FINANCIAL SERVICES","AVP-ACCOUNTING","AVP-SUPPORT SERVICES","BOARD MEMBER-SECRETARY-TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER-CHAIR","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER-VICE CHAIR","BOARD MEMBER","BOARD MEMBER"],"Hours":[40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[614569,300069,285811,276584,267233,263234,257699,253921,236318,179485,158933,154870,149807,5207,2806,1500,1480,1250,497,0,0,0],"Direct compensation":[551652,258298,251647,239753,229564,236029,230710,228241,200898,157323,125651,134608,111168,5207,2806,1500,1480,1250,497,0,0,0],"Other compensation":[62917,41771,34164,36831,37669,27205,26989,25680,35420,22162,33282,20262,38639,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Thrift savings and borrowing for members. the credit union is regulated by the state of texas. the credit union department as well as the national credit union administration. the credit union offers products and services in four primary areas: share accounts, checking accounts, consumer loans and real estate loans.","year":2019,"name":"FORT WORTH COMMUNITY CREDIT UNION","phone":8178355000,"website":"WWW.FTWCCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RICHARD HOWDESHELL","year_formation":1940,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"PO BOX 210848, BEDFORD, TX, 76095, USA","city":"BEDFORD","state":"TX","country":"USA","zip_code":76095},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":248,"Total Gross UBI":90056,"Net unrelated business taxable income":-158728,"Number of employees":248,"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":47287563,"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":40801067,"Total revenue":{"value":40801067,"INTEREST ON LOANS":31015199,"LOAN FEE INCOME":6808580,"MEMBER FEES & CHARGES":2977288},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":6063445,"Investment income total":6020886,"Net investment gain":42559,"Income from invest bond proceeds":0},"Other revenues":{"value":423051,"Other total":423051,"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":43592939,"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":16924599,"Current officers":2489430,"Disqualified persons":10341407,"Other salaries and wages":0,"Pension plan contributions":672202,"Other employee benefits":2586277,"Payroll taxes":835283},"Other expenses":{"value":26668340,"Management services":4853649,"Legal":128371,"Accounting":483514,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":785652,"Office expenses":1937037,"Information technology":0,"Royalties":0,"Occupancy":1434524,"Travel":0,"Conferences and meetings":151397,"Interest":8514186,"Payments to affiliates":0,"Depreciation and depletion":1065501,"Insurance":269109,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":7045400,"PROVISION FOR LOAN LOSS":4808000,"LOAN SERVICING":1629027,"MISCELLANEOUS EXPENSE":608373},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1001618613,"Non-interest bearing cash":5209725,"Savings and temp cash investments":76402138,"Pledges and grants receivable":0,"Accounts receivable":727779,"Receivables from officers":14185124,"Receivables from disqual persons":0,"Other net note and loans":626854689,"Inventories for sale or use":0,"Prepaid expenses deferred charges":3295489,"Land, building, equipment":26747372,"Investments publicly traded":239579260,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":8617037},"Liabilities":{"value":913760194,"Sum of Total Liabilities":0,"Accounts payable, accrued":11773823,"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":901986371},"Fund balance":{"value":87858419,"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":0.07813098763410582,"percentile":0.5834121204994254},"Liabilities to Assets Ratio":{"score":0.9122835599701461,"percentile":0.06262177725557287},"Operating Reserve Ratio":{"score":22.97662502177245,"percentile":0.9542802832268885},"Officer Compensation Ratio":{"score":0.07825287943994783,"percentile":0.6312914917215575},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06189359191234852,"percentile":0.653109550202402},"Asset Growth":{"score":0.03447649475865014,"percentile":0.4646006100099612},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5943317282218995,"percentile":0.5888084972691092}},"source_xml":"202022909349301427_public.xml"},{"Organization":{"value":null,"Person":["MARCELLA BANKS","HENRY CHRISTIANSEN","JANICE GRACZYK","NEAL OLIVER","HERBERT SIMS","STANLEY SPIVEY","MIKE TALBOT","TOM TIJERINA","LEIGHTON WATERS","BENNIE CRUZ","RICHARD HOWDESHELL","MICHAEL FRANKO","KYLE KOKE","DIANE DORSEY","ROCHELLE DRAKE","TAMMY TRUDELLE","MARC RHODES","CARL AUZENNE","JOHN BEARRIE","GINDA ABRAHAM","GRETCHEN MCGINNIS","VALERIE GROSSKURTH"],"Title":["BOARD MEMBER","BOARD MEMBER-SECRETARY-TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER-CHAIRMAN","BOARD MEMBER","BOARD MEMBER/EMERITUS","BOARD MEMBER","BOARD MEMBER-VICE CHAIRMAN","BOARD MEMBER","PRESIDENT/CEO","SR VP FINANCE","SR VP LENDING","VP OPERATIONS","VP MARKETING","VP HUMAN RESOURCES","VP SUPPORT SERVICES","VP INFORMATION SERVICES","INVESTMENT CONSULTANT","AVP ACCOUNTING","DIRECTOR OF INTERNAL AUDIT","AVP FINANCIAL SERVICES"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,5188,2340,0,0,1804,767,1959,2131,0,462181,236240,215247,207386,192626,198628,206849,189458,261912,137073,142115,130269],"Direct compensation":[0,5188,2340,0,0,1804,767,1959,2131,0,408246,202485,190963,175598,172945,178116,180614,158795,238748,121343,125608,103204],"Other compensation":[0,0,0,0,0,0,0,0,0,0,53935,33755,24284,31788,19681,20512,26235,30663,23164,15730,16507,27065]},"Basic":{"value":null,"mission":"Thrift savings and borrowing for members. the credit union is regulated by the state of texas. the credit union department as well as the national credit union administration. the credit union offers products and services in four primary areas: share accounts, checking accounts, consumer loans and real estate loans.","year":2014,"name":"FORT WORTH COMMUNITY CREDIT UNION","phone":8178355000,"website":"WWW.FTWCCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RICHARD HOWDESHELL","year_formation":1940,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"PO BOX 210848, BEDFORD, TX, 76095, USA","city":"BEDFORD","state":"TX","country":"USA","zip_code":76095},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":245,"Total Gross UBI":70907,"Net unrelated business taxable income":-125478,"Number of employees":245,"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":33300588,"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":32933365,"Total revenue":{"value":32933365,"INTEREST ON LOANS":25144007,"LOAN FEE INCOME":5333908,"MEMBER FEES & CHARGES":2455450},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":205743,"Investment income total":255904,"Net investment gain":-50161,"Income from invest bond proceeds":0},"Other revenues":{"value":161480,"Other total":160211,"Royalties revenue":1269,"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":32290404,"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":12735660,"Current officers":1922804,"Disqualified persons":8112855,"Other salaries and wages":0,"Pension plan contributions":513434,"Other employee benefits":1498804,"Payroll taxes":687763},"Other expenses":{"value":19554744,"Management services":3420214,"Legal":35063,"Accounting":377308,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":1161467,"Office expenses":1968579,"Information technology":0,"Royalties":0,"Occupancy":1229439,"Travel":0,"Conferences and meetings":132539,"Interest":3418712,"Payments to affiliates":0,"Depreciation and depletion":1021763,"Insurance":235922,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":6553738,"PROVISION FOR LOAN LOSS":4131000,"LOAN SERVICING":1930341,"MISCELLANEOUS EXPENSES":492397},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":815800970,"Non-interest bearing cash":3643339,"Savings and temp cash investments":95046248,"Pledges and grants receivable":0,"Accounts receivable":1216172,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":672168110,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1700023,"Land, building, equipment":21370139,"Investments publicly traded":12228826,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":8428113},"Liabilities":{"value":739733921,"Sum of Total Liabilities":0,"Accounts payable, accrued":7706557,"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":732027364},"Fund balance":{"value":76067049,"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":0.030335320205156738,"percentile":0.47871686735570024},"Liabilities to Assets Ratio":{"score":0.9067578345733028,"percentile":0.06353802563938692},"Operating Reserve Ratio":{"score":25.264501800596857,"percentile":0.9593646977654161},"Officer Compensation Ratio":{"score":0.08033882140341136,"percentile":0.622990827560979},"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":0.5733840298915801,"percentile":0.5269556351983438}},"source_xml":"201521899349300602_public.xml"},{"Organization":{"value":null,"Person":["HENRY CHRISTIANSEN","MICHAEL CLARDY","JANICE GRACZYK","NEAL OLIVER","CHARLES REDDING","TOMAS TIJERINA","TUNISIA SADRUDDIN","HERBERT SIMS","LEIGHTON WATERS","DIANE DORSEY","RICHARD HOWDESHELL","MICHAEL J FRANKO","KYLE KOKE","TAMMY TRUDELLE","CARL AUZENNE","VALERIE GROSSKURTH","NEIL SPENCER","GINDA ABRAHAM","BRANDY SCARLETT","KOSTAS LEUCKER","GRETCHEN MCGINNIS","MATT MEYERS","KAREN MARTINEZ","SHEILA HAILEY"],"Title":["BOARD MEMBER","BOARD MEMBER-CHAIR","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER-VICE CHAIR","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER-SECRETARY-TREASURER","PRESIDENT/CEO","PRESIDENT/CEO, THRU 1/2021","SRVP FINANCE","SR VP LENDING","VP HUMAN RESOURCES","VP INFORMATION SERVICES","VP PAYMENT SYSTEMS & RISK MGMT","VP SUPPORT SERVICES","AVP ACCOUNTING","VP MARKETING","INVESTMENT CONSULTANT","DIRECTOR OF INTERNAL AUDIT","AVP INFORMATION SERVICES","VP OPERATIONS","AVP REAL ESTATE"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[2458,1375,1500,3298,1375,1500,1375,1500,2117,467650,396643,319310,296045,289067,267638,204651,191584,173910,150495,342062,202802,200303,173087,145524],"Direct compensation":[2458,1375,1500,3298,1375,1500,1375,1500,2117,410616,396643,285073,266811,251803,229584,169023,149799,152260,111552,291226,178909,166456,141470,115649],"Other compensation":[0,0,0,0,0,0,0,0,0,57034,0,34237,29234,37264,38054,35628,41785,21650,38943,50836,23893,33847,31617,29875]},"Basic":{"value":null,"mission":"Thrift savings and borrowing for members. the credit union is regulated by the state of texas. the credit union department as well as the national credit union administration. the credit union offers products and services in four primary areas: share accounts, checking accounts, consumer loans and real estate loans.","year":2021,"name":"FORT WORTH COMMUNITY CREDIT UNION","phone":8178355000,"website":"WWW.FTWCCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DIANE DORSEY","year_formation":1940,"state_legal_domicile":"TX","total_volunteers":9,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"PO BOX 210848, BEDFORD, TX, 76095, USA","city":"BEDFORD","state":"TX","country":"USA","zip_code":76095},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":240,"Total Gross UBI":45558,"Net unrelated business taxable income":0,"Number of employees":240,"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":43127818,"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":41102354,"Total revenue":{"value":41102354,"INTEREST ON LOANS":30461783,"LOAN FEE INCOME":8007214,"MEMBER FEES & CHARGES":2633357},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1881787,"Investment income total":1773374,"Net investment gain":108413,"Income from invest bond proceeds":0},"Other revenues":{"value":143677,"Other total":143677,"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":36734867,"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":16708072,"Current officers":3938490,"Disqualified persons":0,"Other salaries and wages":8698157,"Pension plan contributions":706393,"Other employee benefits":2503900,"Payroll taxes":861132},"Other expenses":{"value":20026795,"Management services":5220577,"Legal":28899,"Accounting":510417,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":759366,"Office expenses":2015655,"Information technology":0,"Royalties":0,"Occupancy":1365762,"Travel":0,"Conferences and meetings":76464,"Interest":4194206,"Payments to affiliates":0,"Depreciation and depletion":1217050,"Insurance":299852,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4338547,"PROVISION FOR LOAN LOSS":2149272,"LOAN SERVICING":1625652,"MISCELLANEOUS EXPENSE":563623},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1211753992,"Non-interest bearing cash":4317213,"Savings and temp cash investments":154260473,"Pledges and grants receivable":0,"Accounts receivable":563719,"Receivables from officers":19345170,"Receivables from disqual persons":0,"Other net note and loans":764740150,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2696996,"Land, building, equipment":26273871,"Investments publicly traded":228620797,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":10935603},"Liabilities":{"value":1115996325,"Sum of Total Liabilities":0,"Accounts payable, accrued":11490346,"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":1104505979},"Fund balance":{"value":95757667,"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":0.14823265577683525,"percentile":0.6962941737170906},"Liabilities to Assets Ratio":{"score":0.9209759838777573,"percentile":0.061245458701840116},"Operating Reserve Ratio":{"score":32.98648099093431,"percentile":0.9706240113947148},"Officer Compensation Ratio":{"score":0.10445849715476035,"percentile":0.5374147699662083},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0478972527438683,"percentile":0.5974291760770536},"Asset Growth":{"score":0.05039422714726873,"percentile":0.5282658788889958},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.608976323083788,"percentile":0.6315214254588098}},"source_xml":"202242079349301029_public.xml"},{"Organization":{"value":null,"Person":["CHARLES REDDING","LEIGHTON WATERS","JOSEPH LOZANO","MICHAEL CLARDY","JANICE GRACZYK","TUNISIA SADRUDDIN","CHASITY CRAWLEY","TOMAS TIJERINA","NEAL OLIVER","LOUISE MOLINAR","HERBERT SIMS","DIANE DORSEY","MICHAEL FRANKO","KYLE KOKE","TAMMY TRUDELLE","VALERIE GROSSKURTH","NEIL SPENCER","KAREN MARTINEZ","BRANDY SCARLETT","MERRILL CURRIER","MATT MEYERS","KOSTAS LEUCKER","GINDA ABRAHAM","SHELIA HAILEY","LISA PIPPIN","TERRI BOOP"],"Title":["BOARD MEMBER-VICE CHAIR","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER-SECRETARY-TREASURER","BOARD MEMBER","BOARD MEMBER-VICE CHAIR","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER (UNTIL 4/25/23)","BOARD MEMBER","BOARD MEMBER (UNTIL 4/25/23)","PRESIDENT/CEO","SVP FINANCE","SVP LENDING","VP HUMAN RESOURCES","VP PAYMENT SYSTEMS & RISK MANAGEMENT","VP SUPPORT SERVICES","VP OPERATIONS","VP MARKETING","VP INFORMATION SERVICES","VP OF INFO SVCS (UNTIL APR 2023)","INVESTMENT CONSULTANT","AVP ACCOUNTING","AVP REAL ESTATE","AVP LENDING","AVP BRANCH OPERATIONS"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[2602,2522,1893,1500,1375,1375,1250,1250,621,0,1000,512012,372613,346550,316181,230211,214183,201158,179026,130938,86992,334008,186434,155723,147085,144005],"Direct compensation":[2602,2522,1893,1500,1375,1375,1250,1250,621,0,1000,459583,335971,313712,276042,190964,169455,166578,136683,114065,76167,280673,163392,124333,126423,134459],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,52429,36642,32838,40139,39247,44728,34580,42343,16873,10825,53335,23042,31390,20662,9546]},"Basic":{"value":null,"mission":"Thrift savings and borrowing for members. the credit union is regulated by the state of texas. the credit union department as well as the national credit union administration. the credit union offers products and services in four primary areas: share accounts, checking accounts, consumer loans and real estate loans.","year":2023,"name":"FORT WORTH COMMUNITY CREDIT UNION","phone":8178355000,"website":"WWW.FTWCCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DIANE DORSEY","year_formation":1940,"state_legal_domicile":"TX","total_volunteers":9,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"PO BOX 210848, BEDFORD, TX, 76095, USA","city":"BEDFORD","state":"TX","country":"USA","zip_code":76095},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":215,"Total Gross UBI":47763,"Net unrelated business taxable income":0,"Number of employees":215,"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":61144057,"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":48236645,"Total revenue":{"value":48236645,"INTEREST ON LOANS":37276980,"LOAN FEE INCOME":8020301,"MEMBER FEES & CHARGES":2939364},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":12293111,"Investment income total":12237028,"Net investment gain":56083,"Income from invest bond proceeds":0},"Other revenues":{"value":614301,"Other total":614301,"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":54450409,"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":16838371,"Current officers":3821093,"Disqualified persons":0,"Other salaries and wages":9118717,"Pension plan contributions":660895,"Other employee benefits":2362423,"Payroll taxes":875243},"Other expenses":{"value":37612038,"Management services":5273544,"Legal":34958,"Accounting":532376,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":659088,"Office expenses":1938978,"Information technology":1268068,"Royalties":0,"Occupancy":1408471,"Travel":0,"Conferences and meetings":111708,"Interest":15261335,"Payments to affiliates":0,"Depreciation and depletion":1193863,"Insurance":409906,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":9519743,"PROVISION FOR LOAN LOSS":7231257,"LOAN SERVICING":1573866,"MISCELLANEOUS EXPENSE":714620},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1206269215,"Non-interest bearing cash":4385613,"Savings and temp cash investments":145748365,"Pledges and grants receivable":0,"Accounts receivable":967354,"Receivables from officers":19939160,"Receivables from disqual persons":0,"Other net note and loans":722617508,"Inventories for sale or use":0,"Prepaid expenses deferred charges":5360564,"Land, building, equipment":25164344,"Investments publicly traded":270668465,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":11417842},"Liabilities":{"value":1091053692,"Sum of Total Liabilities":0,"Accounts payable, accrued":11460893,"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":1079592799},"Fund balance":{"value":115215523,"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":0.10947340311422253,"percentile":0.6391104859315231},"Liabilities to Assets Ratio":{"score":0.9044860620106268,"percentile":0.06392230508674555},"Operating Reserve Ratio":{"score":22.153538185544207,"percentile":0.9522062204100472},"Officer Compensation Ratio":{"score":0.06561028770233847,"percentile":0.6839794153687314},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.060065422004158826,"percentile":0.6463598285594779},"Asset Growth":{"score":0.04840125130719497,"percentile":0.5205867848370554},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6108439847941629,"percentile":0.6368754153431847}},"source_xml":"202401849349301600_public.xml"},{"Organization":{"value":null,"Person":["MARCELLA BANKS","HENRY CHRISTIANSEN","JANICE GRACZYK","NEAL OLIVER","HERBERT SIMS","STANLEY SPIVEY","TOM TIJERINA","LEIGHTON WATERS","TUNISIA SADRUDDIA","RICHARD HOWDESHELL","MICHAEL J FRANKO","KYLE KOKE","DIANE DORSEY","ROCHELLE DRAKE","TAMMY TRUDELLE","MARC RHODES","CARL AUZENNE","JOHN BEARRIE","GRETCHEN MCGINNIS","GINDA ABRAHAM","VALERIE GROSSKURTH"],"Title":["BOARD MEMBER-CHAIR","BOARD MEMBER-SECRETARY-TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER-VICE CHAIR","BOARD MEMBER","BOARD MEMBER","PRESIDENT/CEO","SR VP-FINANCE","SR VP-LENDING","VP-OPERATIONS","VP-MARKETING","VP-HUMAN RESOURCES","VP-SUPPORT SERVICES","VP-INFORMATION SERVICES","INVESTMENT CONSULTANT","DIRECTOR OF INTERNAL AUDIT","AVP-ACCOUNTING","AVP-FINANCIAL SERVICES"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,4458,2846,0,0,972,3189,1779,0,549589,272971,239265,223014,216191,209192,228682,199444,286333,161082,144946,144258],"Direct compensation":[0,4458,2846,0,0,972,3189,1779,0,499312,235152,211916,194496,194666,189142,199800,172570,249624,143102,128349,114720],"Other compensation":[0,0,0,0,0,0,0,0,0,50277,37819,27349,28518,21525,20050,28882,26874,36709,17980,16597,29538]},"Basic":{"value":null,"mission":"Thrift savings and borrowing for members. the credit union is regulated by the state of texas. the credit union department as well as the national credit union administration. the credit union offers products and services in four primary areas: share accounts, checking accounts, consumer loans and real estate loans.","year":2017,"name":"FORT WORTH COMMUNITY CREDIT UNION","phone":8178355000,"website":"WWW.FTWCCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RICHARD HOWDESHELL","year_formation":1940,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"PO BOX 210848, BEDFORD, TX, 76095, USA","city":"BEDFORD","state":"TX","country":"USA","zip_code":76095},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":251,"Total Gross UBI":78293,"Net unrelated business taxable income":-155874,"Number of employees":251,"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":36890046,"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":34131481,"Total revenue":{"value":34131481,"INTEREST ON LOANS":24989009,"LOAN FEE INCOME":6457283,"MEMBER FEES & CHARGES":2685189},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2571461,"Investment income total":2581217,"Net investment gain":-9756,"Income from invest bond proceeds":0},"Other revenues":{"value":187104,"Other total":186727,"Royalties revenue":377,"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":35220824,"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":14420445,"Current officers":2152089,"Disqualified persons":9131882,"Other salaries and wages":0,"Pension plan contributions":553213,"Other employee benefits":1823001,"Payroll taxes":760260},"Other expenses":{"value":20800379,"Management services":4141631,"Legal":62266,"Accounting":447896,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":767643,"Office expenses":1880294,"Information technology":0,"Royalties":0,"Occupancy":1382847,"Travel":0,"Conferences and meetings":149152,"Interest":3781716,"Payments to affiliates":0,"Depreciation and depletion":944742,"Insurance":248529,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":6993663,"PROVISION FOR LOAN LOSS":4951540,"LOAN SERVICING":1472403,"MISCELLANEOUS EXPENSE":569720},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":902210688,"Non-interest bearing cash":3999312,"Savings and temp cash investments":68349493,"Pledges and grants receivable":0,"Accounts receivable":710866,"Receivables from officers":13575635,"Receivables from disqual persons":0,"Other net note and loans":596225213,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2504880,"Land, building, equipment":23124852,"Investments publicly traded":184718755,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":9001682},"Liabilities":{"value":821767614,"Sum of Total Liabilities":0,"Accounts payable, accrued":10596588,"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":811171026},"Fund balance":{"value":80443074,"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":0.04524857464260142,"percentile":0.5142066558664221},"Liabilities to Assets Ratio":{"score":0.910837817518739,"percentile":0.06286246400964877},"Operating Reserve Ratio":{"score":25.615831361583137,"percentile":0.9600568604028205},"Officer Compensation Ratio":{"score":0.08200293667178259,"percentile":0.6165426239300001},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.024041591303262066,"percentile":0.48517813313041336},"Asset Growth":{"score":0.024904325067007054,"percentile":0.4245644658403674},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.561514577644066,"percentile":0.49149175173181736}},"source_xml":"201832689349301223_public.xml"},{"Organization":{"value":null,"Person":["HENRY CHRISTIANSEN","MICHAEL CLARDY","JANICE GRACZYK","NEAL OLIVER","CHARLES REDDING","TOMAS TIJERINA","LEIGHTON WATERS","HERBERT SIMS","TUNISIA SADRUDDIN","JOSEPH LOZANO","DIANE DORSEY","MICHAEL FRANKO","KYLE KOKE","TAMMY TRUDELLE","CARL AUZENNE","VALERIE GROSSKURTH","MATT MEYERS","NEIL SPENCER","KAREN MARTINEZ","BRANDY SCARLETT","KOSTAS LEUCKER","GINDA ABRAHAM","SHEILA HAILEY","LISA PIPPIN","TERRI BOOP"],"Title":["BOARD MEMBER (UNTIL 12/7/22)","BOARD MEMBER-CHAIR","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER-VICE CHAIR","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER-SECRETARY-TREASURER","BOARD MEMBER","PRESIDENT/CEO","SRVP FINANCE","SR VP LENDING","VP HUMAN RESOURCES","VP INFORMATION SERVICES (RET 8/5/22)","VP PAYMENT SYSTEMS & RISK MGMT","AVP INFO SVCS (UNTIL 8/5/22, THEN VP)","VP SUPPORT SERVICES","VP OPERATIONS","VP MARKETING","INVESTMENT CONSULTANT","AVP ACCOUNTING","AVP REAL ESTATE","AVP LENDING","AVP BRANCH OPERATIONS"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[1128,1250,2481,2847,1500,1000,1952,1500,1500,1500,492973,350992,318430,302541,232124,218822,225142,205690,182787,167711,320823,184035,152866,140705,137172],"Direct compensation":[1128,1250,2481,2847,1500,1000,1952,1500,1500,1500,439366,314297,288496,264363,205207,182279,189575,162990,150543,127608,269858,161930,122657,120971,128161],"Other compensation":[0,0,0,0,0,0,0,0,0,0,53607,36695,29934,38178,26917,36543,35567,42700,32244,40103,50965,22105,30209,19734,9011]},"Basic":{"value":null,"mission":"Thrift savings and borrowing for members. the credit union is regulated by the state of texas. the credit union department as well as the national credit union administration. the credit union offers products and services in four primary areas: share accounts, checking accounts, consumer loans and real estate loans.","year":2022,"name":"FORT WORTH COMMUNITY CREDIT UNION","phone":8178355000,"website":"WWW.FTWCCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DIANE DORSEY","year_formation":1940,"state_legal_domicile":"TX","total_volunteers":10,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"PO BOX 210848, BEDFORD, TX, 76095, USA","city":"BEDFORD","state":"TX","country":"USA","zip_code":76095},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":224,"Total Gross UBI":49084,"Net unrelated business taxable income":0,"Number of employees":224,"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":51151395,"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":46168919,"Total revenue":{"value":46168919,"INTEREST ON LOANS":32863805,"LOAN FEE INCOME":10333691,"MEMBER FEES & CHARGES":2971423},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":4837049,"Investment income total":4819214,"Net investment gain":17835,"Income from invest bond proceeds":0},"Other revenues":{"value":145427,"Other total":145427,"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":38387187,"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":16754967,"Current officers":3546012,"Disqualified persons":0,"Other salaries and wages":9337700,"Pension plan contributions":648023,"Other employee benefits":2373145,"Payroll taxes":850087},"Other expenses":{"value":21632220,"Management services":4607515,"Legal":35881,"Accounting":518044,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":738070,"Office expenses":1848923,"Information technology":1198896,"Royalties":0,"Occupancy":1352249,"Travel":0,"Conferences and meetings":110349,"Interest":4882138,"Payments to affiliates":0,"Depreciation and depletion":1250893,"Insurance":354095,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4735167,"PROVISION FOR LOAN LOSS":2460602,"LOAN SERVICING":1719962,"MISCELLANEOUS EXPENSE":554603},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1225093160,"Non-interest bearing cash":4951401,"Savings and temp cash investments":119132206,"Pledges and grants receivable":0,"Accounts receivable":839526,"Receivables from officers":19639360,"Receivables from disqual persons":0,"Other net note and loans":806811935,"Inventories for sale or use":0,"Prepaid expenses deferred charges":3379824,"Land, building, equipment":25850944,"Investments publicly traded":233271672,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":11216292},"Liabilities":{"value":1116571285,"Sum of Total Liabilities":0,"Accounts payable, accrued":13037410,"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":1103533875},"Fund balance":{"value":108521875,"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":0.24953782785396175,"percentile":0.8004448630122329},"Liabilities to Assets Ratio":{"score":0.9114174508981832,"percentile":0.06276004411429732},"Operating Reserve Ratio":{"score":31.91411655144202,"percentile":0.969475324553545},"Officer Compensation Ratio":{"score":0.09507002948666178,"percentile":0.5687791293679706},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.05123907399809456,"percentile":0.6114812739949119},"Asset Growth":{"score":0.05135601121699035,"percentile":0.5319708525252276},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6321244890939932,"percentile":0.6958746959982866}},"source_xml":"202312919349300546_public.xml"},{"Organization":{"value":null,"Person":["MARCELLA BANKS","HENRY CHRISTIANSEN","JANICE GRACZYK","NEAL OLIVER","HERBERT SIMS","STANLEY SPIVEY","TOM TIJERINA","LEIGHTON WATERS","BENNIE CRUZ","RICHARD HOWDESHELL","MICHAEL FRANKO","KYLE KOKE","DIANE DORSEY","ROCHELLE DRAKE","TAMMY TRUDELLE","MARC RHODES","CARL AUZENNE","JOHN BEARRIE","GRETCHEN MCGINNIS","GINDA ABRAHAM","VALERIE GROSSKURTH"],"Title":["BOARD MEMBER-VICE-CHAIR","BOARD MEMBER-SECRETARY-TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER-CHAIR","BOARD MEMBER","PRESIDENT/CEO","SR VP-FINANCE","SR VP-LENDING","VP-OPERATIONS","VP-MARKETING","VP-HUMAN RESOURCES","VP-SUPPORT SERVICES","VP-INFORMATION SERVICES","INVESTMENT CONSULTANT","DIRECTOR OF INTERNAL AUDIT","AVP-ACCOUNTING","AVP-FINANCIAL SERVICES"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,5966,1250,0,0,1035,2165,2060,0,464746,243103,217592,202645,193960,200630,206659,191982,242632,143518,133659,130006],"Direct compensation":[0,5966,1250,0,0,1035,2165,2060,0,418084,208534,192758,170913,174117,180111,180336,160920,208695,126887,117962,102828],"Other compensation":[0,0,0,0,0,0,0,0,0,46662,34569,24834,31732,19843,20519,26323,31062,33937,16631,15697,27178]},"Basic":{"value":null,"mission":"Thrift savings and borrowing for members. the credit union is regulated by the state of texas. the credit union department as well as the national credit union administration. the credit union offers products and services in four primary areas: share accounts, checking accounts, consumer loans and real estate loans.","year":2015,"name":"FORT WORTH COMMUNITY CREDIT UNION","phone":8178355000,"website":"WWW.FTWCCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RICHARD HOWDESHELL","year_formation":1940,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"PO BOX 210848, BEDFORD, TX, 76095, USA","city":"BEDFORD","state":"TX","country":"USA","zip_code":76095},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":239,"Total Gross UBI":69679,"Net unrelated business taxable income":-158011,"Number of employees":239,"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":31964886,"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":31261732,"Total revenue":{"value":31261732,"INTEREST ON LOANS":23417704,"LOAN FEE INCOME":5343711,"MEMBER FEES & CHARGES":2500317},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":759505,"Investment income total":712314,"Net investment gain":47191,"Income from invest bond proceeds":0},"Other revenues":{"value":-56351,"Other total":-56701,"Royalties revenue":350,"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":31006791,"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":12700941,"Current officers":1834203,"Disqualified persons":8040892,"Other salaries and wages":0,"Pension plan contributions":605206,"Other employee benefits":1544215,"Payroll taxes":676425},"Other expenses":{"value":18305850,"Management services":3906744,"Legal":34704,"Accounting":412710,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":1127608,"Office expenses":1871024,"Information technology":0,"Royalties":0,"Occupancy":1186895,"Travel":0,"Conferences and meetings":139280,"Interest":3101562,"Payments to affiliates":0,"Depreciation and depletion":1022064,"Insurance":246058,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":5257201,"PROVISION FOR LOAN LOSS":2787000,"LOAN SERVICING":1977216,"MISCELLANEOUS EXPENSE":492985},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":838352253,"Non-interest bearing cash":4247230,"Savings and temp cash investments":68749231,"Pledges and grants receivable":0,"Accounts receivable":1363230,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":619304166,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1967591,"Land, building, equipment":23055430,"Investments publicly traded":112274686,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":7390689},"Liabilities":{"value":761327109,"Sum of Total Liabilities":0,"Accounts payable, accrued":8583890,"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":752743219},"Fund balance":{"value":77025144,"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":0.029973358891378497,"percentile":0.47780525279929664},"Liabilities to Assets Ratio":{"score":0.9081231740901637,"percentile":0.06331556962668358},"Operating Reserve Ratio":{"score":27.037698064272437,"percentile":0.9626787926824364},"Officer Compensation Ratio":{"score":0.0833239402297387,"percentile":0.6114609334974972},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.018834060387839496,"percentile":0.3001141424992252},"Asset Growth":{"score":0.011500325474273376,"percentile":0.3679558890857336},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5325194636752058,"percentile":0.40741679187374247}},"source_xml":"201631749349301003_public.xml"},{"Organization":{"value":null,"Person":["MARCELLA BANKS","HENRY CHRISTIANSEN","JANICE GRACZYK","NEAL OLIVER","HERBERT SIMS","STANLEY SPIVEY","MIKE TALBOT","TOM TIJERINA","LEIGHTON WATERS","KENNETH DOUGLAS","RICHARD HOWDESHELL","MICHAEL FRANKO","KYLE KOKE","DIANE DORSEY","ROCHELLE DRAKE","TAMMY TRUDELLE","MARC RHODES","CARL AUZENNE","JOHN BEARRIE","GINDA ABRAHAM","GRETCHEN MCGINNIS"],"Title":["BOARD MEMBER","BOARD MEMBER-SECRETARY-TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER-CHAIRMAN","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER-VICE CHAIRMAN","FMR BOARD MEMBER","PRESIDENT/CEO","SR VP FINANCE","SR VP LENDING","VP OPERATIONS","VP MARKETING","VP HUMAN RESOURCES","VP SUPPORT SERVICES","VP INFORMATION SERVICES","INVESTMENT CONSULTANT","AVP ACCOUNTING","DIRECTOR OF INTERNAL AUDIT"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,5146,3344,0,0,832,2976,1762,2040,0,422104,224705,203687,184887,176857,184324,190758,176207,234030,124124,130533],"Direct compensation":[0,5146,3344,0,0,832,2976,1762,2040,0,372212,191940,180126,154874,158225,164879,165909,146882,201231,109196,114869],"Other compensation":[0,0,0,0,0,0,0,0,0,0,49892,32765,23561,30013,18632,19445,24849,29325,32799,14928,15664]},"Basic":{"value":null,"mission":"Thrift savings and borrowing for members. the credit union is regulated by the state of texas credit union department as well as the national credit union administration. the credit union offers products and services in four primary areas: share accounts, checking accounts, consumer loans and real estate loans.","year":2013,"name":"FORT WORTH COMMUNITY CREDIT UNION","phone":8178355000,"website":"WWW.FTWCCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RICHARD HOWDESHELL","year_formation":1940,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"PO BOX 210848, BEDFORD, TX, 76095, USA","city":"BEDFORD","state":"TX","country":"USA","zip_code":76095},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":232,"Total Gross UBI":67276,"Net unrelated business taxable income":-97340,"Number of employees":232,"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":33201238,"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":32975129,"Total revenue":{"value":32975129,"INTEREST ON LOANS":25487548,"LOAN FEE INCOME":5033701,"MEMBER FEES & CHARGES":2453880},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":204247,"Investment income total":479289,"Net investment gain":-275042,"Income from invest bond proceeds":0},"Other revenues":{"value":21862,"Other total":20516,"Royalties revenue":1346,"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":30670505,"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":11967349,"Current officers":1779630,"Disqualified persons":0,"Other salaries and wages":7672116,"Pension plan contributions":475270,"Other employee benefits":1400010,"Payroll taxes":640323},"Other expenses":{"value":18703156,"Management services":3051833,"Legal":23570,"Accounting":335147,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":1137172,"Office expenses":1843835,"Information technology":0,"Royalties":0,"Occupancy":1212598,"Travel":0,"Conferences and meetings":165972,"Interest":3900846,"Payments to affiliates":0,"Depreciation and depletion":982163,"Insurance":261364,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":5701128,"PROVISION FOR LOAN LOSS":2809000,"LOAN SERVICING":1817039,"NCUA":558645,"MISCELLANEOUS EXPENSES":516444},"All other expenses":87528},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":819387901,"Non-interest bearing cash":3497500,"Savings and temp cash investments":76098606,"Pledges and grants receivable":0,"Accounts receivable":1685781,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":654916180,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1903033,"Land, building, equipment":21914749,"Investments publicly traded":52079081,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":7292971},"Liabilities":{"value":744331036,"Sum of Total Liabilities":0,"Accounts payable, accrued":6801854,"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":737529182},"Fund balance":{"value":75056865,"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":0.07622405525962617,"percentile":0.5797314232294389},"Liabilities to Assets Ratio":{"score":0.9083988610175976,"percentile":0.06326948067377543},"Operating Reserve Ratio":{"score":26.71582685058495,"percentile":0.9621317315847857},"Officer Compensation Ratio":{"score":0.07395756933249062,"percentile":0.6485492152316894},"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":0.5980930257233477,"percentile":0.5999010475797554}},"source_xml":"201422169349300847_public.xml"},{"Organization":{"value":null,"Person":["TOMAS TIJERINA","TUNISIA SADRUDDIN","HENRY CHRISTIANSEN","MICHAEL CLARDY","JANICE GRACZYK","NEAL OLIVER","HERBERT SIMS","STANLEY SPIVEY","LEIGHTON WATERS","RICHARD HOWDESHELL","MICHAEL J FRANKO","KYLE KOKE","DIANE DORSEY","ROCHELLE DRAKE","TAMMY TRUDELLE","MARC RHODES","CARL AUZENNE","JOHN BEARRIE","GRETCHEN MCGINNIS","GINDA ABRAHAM","VALERIE GROSSKURTH","NEAL SPENCER"],"Title":["BOARD MEMBER-CHAIR","BOARD MEMBER-VICE CHAIR","BOARD MEMBER-SECRETARY-TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","PRESIDENT","SR VP-FINANCE","SR VP-LENDING","VP-OPERATIONS","VP-MARKETING","VP-HUMAN RESOURCES","VP-SUPPORT SERVICES","VP-INFORMATION SERVICES","INVESTMENT CONSULTANT","DIRECTOR OF INTERNAL AUDIT","AVP-ACCOUNTING","AVP-FINANCIAL SERVICES","AVP-SUPPORT SERVICES"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[551,0,0,1910,2422,0,0,861,2121,574005,275981,255263,238546,227978,240560,247188,213327,203425,169485,153336,148968,137966],"Direct compensation":[551,0,0,1910,2422,0,0,861,2121,521038,237648,222553,204531,203445,214686,212850,181513,175307,148839,133987,118975,102759],"Other compensation":[0,0,0,0,0,0,0,0,0,52967,38333,32710,34015,24533,25874,34338,31814,28118,20646,19349,29993,35207]},"Basic":{"value":null,"mission":"Thrift savings and borrowing for members. the credit union is regulated by the state of texas. the credit union department as well as the national credit union administration. the credit union offers products and services in four primary areas: share accounts, checking accounts, consumer loans and real estate loans.","year":2018,"name":"FORT WORTH COMMUNITY CREDIT UNION","phone":8178355000,"website":"WWW.FTWCCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RICHARD HOWDESHELL","year_formation":1940,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"PO BOX 210848, BEDFORD, TX, 76095, USA","city":"BEDFORD","state":"TX","country":"USA","zip_code":76095},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":245,"Total Gross UBI":91301,"Net unrelated business taxable income":-155445,"Number of employees":245,"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":41696397,"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":37795434,"Total revenue":{"value":37795434,"INTEREST ON LOANS":28291544,"LOAN FEE INCOME":6712123,"MEMBER FEES & CHARGES":2791767},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3388897,"Investment income total":3459736,"Net investment gain":-70839,"Income from invest bond proceeds":0},"Other revenues":{"value":512066,"Other total":512066,"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":37975676,"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":15638844,"Current officers":2280713,"Disqualified persons":9570801,"Other salaries and wages":0,"Pension plan contributions":604623,"Other employee benefits":2394822,"Payroll taxes":787885},"Other expenses":{"value":22336832,"Management services":4343546,"Legal":41335,"Accounting":451710,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":782422,"Office expenses":1962467,"Information technology":0,"Royalties":0,"Occupancy":1362578,"Travel":0,"Conferences and meetings":142188,"Interest":5635969,"Payments to affiliates":0,"Depreciation and depletion":1034339,"Insurance":268809,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":6311469,"PROVISION FOR LOAN LOSS":4171000,"LOAN SERVICING":1523161,"MISCELLANEOUS EXPENSE":617308},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":936300964,"Non-interest bearing cash":4548024,"Savings and temp cash investments":82596822,"Pledges and grants receivable":0,"Accounts receivable":629181,"Receivables from officers":13849034,"Receivables from disqual persons":0,"Other net note and loans":630765901,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2624661,"Land, building, equipment":23432995,"Investments publicly traded":169721875,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":8132471},"Liabilities":{"value":852137169,"Sum of Total Liabilities":0,"Accounts payable, accrued":10540558,"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":841596611},"Fund balance":{"value":84163795,"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":0.0892336333040958,"percentile":0.6041654650732196},"Liabilities to Assets Ratio":{"score":0.9101103189721804,"percentile":0.0629771742924424},"Operating Reserve Ratio":{"score":24.6552810277821,"percentile":0.9580985958899888},"Officer Compensation Ratio":{"score":0.08147038646527319,"percentile":0.6186368371519677},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.044942435074652134,"percentile":0.5846464480181284},"Asset Growth":{"score":0.02871811584395965,"percentile":0.44062243557088693},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5893479751542652,"percentile":0.5741220222530954}},"source_xml":"201933099349302213_public.xml"},{"Organization":{"value":null,"Person":["NEAL OLIVER","HENRY CHRISTIANSEN","JANICE GRACZYK","TUNISA SADRUDDIN","HERBERT SIMS","LEIGHTON WATERS","TOM TIJERINA","MICHAEL CLARDY","STAN SPIVEY","RICHARD HOWDESHELL","DIANE DORSEY","MICHAEL FRANKO","KYLE KOKE","TAMMY TRUDELLE","CARL AUZENNE","VALERIE GROSSKURTH","NEIL SPENCER","KAREN MARTINEZ","BRANDY SCARLETT","MARC RHODES","KOSTAS LEUCKER","GRETCHEN MCGINNIS","GINDA ABRAHAM","MATT MEYER","SHEILA HAILEY"],"Title":["BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER-CHAIR","BOARD MEMBER","BOARD MEMBER-SECRETARY-TREASURER","BOARD MEMBER","BOARD MEMBER-VICE CHAIR","BOARD MEMBER","PRESIDENT/CEO","EVP","SRVP FINANCE","SR VP LENDING","VP HUMAN RESOURCES","VP INFORMATION SERVICE","VP PAYMENT SYSTEMS & RISK MGMT","VP SUPPORT SERVICES","VP OPERATIONS","VP MARKETING","VP SUPPORT SERVICES, THRU 1/2020","INVESTMENT CONSULTANT","DIRECTOR OF INTERNAL AUDIT","AVP ACCOUNTING","AVP INFORMATION SERVICES","AVP REAL ESTATE"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[1948,1500,1500,1500,1500,1375,1250,1250,125,658384,323780,319671,285063,275314,255163,192233,184838,162212,130259,942945,256126,191847,172055,160878,140073],"Direct compensation":[1948,1500,1500,1500,1500,1375,1250,1250,125,593603,282265,276220,256721,239376,218768,156011,144268,131690,93241,937829,211199,168940,150700,149405,111094],"Other compensation":[0,0,0,0,0,0,0,0,0,64781,41515,43451,28342,35938,36395,36222,40570,30522,37018,5116,44927,22907,21355,11473,28979]},"Basic":{"value":null,"mission":"Thrift savings and borrowing for members. the credit union is regulated by the state of texas. the credit union department as well as the national credit union administration. the credit union offers products and services in four primary areas: share accounts, checking accounts, consumer loans and real estate loans.","year":2020,"name":"FORT WORTH COMMUNITY CREDIT UNION","phone":8178355000,"website":"WWW.FTWCCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DIANE DORSEY","year_formation":1940,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"PO BOX 210848, BEDFORD, TX, 76095, USA","city":"BEDFORD","state":"TX","country":"USA","zip_code":76095},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":247,"Total Gross UBI":55496,"Net unrelated business taxable income":0,"Number of employees":247,"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":44096510,"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":39935740,"Total revenue":{"value":39935740,"INTEREST ON LOANS":30842116,"LOAN FEE INCOME":6817922,"MEMBER FEES & CHARGES":2275702},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3789859,"Investment income total":3715068,"Net investment gain":74791,"Income from invest bond proceeds":0},"Other revenues":{"value":370911,"Other total":370911,"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":42590213,"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":17381627,"Current officers":3836148,"Disqualified persons":0,"Other salaries and wages":9475388,"Pension plan contributions":660977,"Other employee benefits":2528377,"Payroll taxes":880737},"Other expenses":{"value":25208586,"Management services":5014269,"Legal":36051,"Accounting":495376,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":863303,"Office expenses":1881695,"Information technology":0,"Royalties":0,"Occupancy":1420080,"Travel":0,"Conferences and meetings":23717,"Interest":7441838,"Payments to affiliates":0,"Depreciation and depletion":1206151,"Insurance":266445,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":6559661,"PROVISION FOR LOAN LOSS":4454000,"LOAN SERVICING":1499985,"MISCELLANEOUS EXPENSE":605676},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1110312717,"Non-interest bearing cash":4630019,"Savings and temp cash investments":87729438,"Pledges and grants receivable":0,"Accounts receivable":383606,"Receivables from officers":14528819,"Receivables from disqual persons":0,"Other net note and loans":676689400,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2906978,"Land, building, equipment":25936576,"Investments publicly traded":287599208,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":9908673},"Liabilities":{"value":1020948001,"Sum of Total Liabilities":0,"Accounts payable, accrued":12143698,"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":1008804303},"Fund balance":{"value":89364716,"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":0.034159097851507975,"percentile":0.48808185740293997},"Liabilities to Assets Ratio":{"score":0.9195139219503329,"percentile":0.06146525179726432},"Operating Reserve Ratio":{"score":26.069668094874284,"percentile":0.96094525367407},"Officer Compensation Ratio":{"score":0.10948029304291106,"percentile":0.521479116230299},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.05610794219722307,"percentile":0.631170225185765},"Asset Growth":{"score":0.04314602344821339,"percentile":0.49993481601434553},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5699527636085197,"percentile":0.5166744227392182}},"source_xml":"202142889349300429_public.xml"},{"Organization":{"value":null,"Person":["LEIGHTON WATERS","MICHAEL CLARDY","JUDE KIAH","CHARLES REDDING","CHASITY CRAWLEY","TUNISIA SADRUDDIN","JANICE GRACZYK","TOMAS TIJERINA","JOSEPH LOZANO","LOUISE MOLINAR","DIANE DORSEY","MICHAEL FRANKO","TAMMY TRUDELLE","VALERIE GROSSKURTH","JOHNNY NEIL SPENCER","KAREN MARTINEZ","BRANDY SCARLETT","MERRILL CURRIER","DOUG BEDNER","KOSTAS LEUCKER","GINDA ABRAHAM","SHELIA HAILEY","LISA PIPPIN","TERRI BOOP"],"Title":["BOARD MEMBER","BOARD MEMBER-SECRETARY/TREASURER","BOARD MEMBER","BOARD MEMBER-CHAIR","BOARD MEMBER","BOARD MEMBER-VICE CHAIR","BOARD MEMBER","BOARD MEMBER","FMR BOARD MEMBER (UNTIL 2024)","BOARD MEMBER","PRESIDENT/CEO","SVP FINANCE","VP HUMAN RESOURCES","VP PAYMENT SYSTEMS & RISK MANAGEMENT","VP SUPPORT SERVICES","VP OPERATIONS","VP MARKETING","VP INFORMATION TECHNOLOGY","VP LENDING","INVESTMENT CONSULTANT","FMR AVP ACCOUNTING (UNTIL 7/26/24)","AVP REAL ESTATE","AVP LENDING","AVP BRANCH OPERATIONS"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[3665,2554,1500,1500,1375,1375,1250,1250,500,0,530344,394362,335081,239754,225919,218994,187723,263704,254366,486449,205056,164429,153656,152806],"Direct compensation":[3665,2554,1500,1500,1375,1375,1250,1250,500,0,477383,359552,293727,199611,180449,183322,144867,222205,252739,428294,189615,132456,132649,142810],"Other compensation":[0,0,0,0,0,0,0,0,0,0,52961,34810,41354,40143,45470,35672,42856,41499,1627,58155,15441,31973,21007,9996]},"Basic":{"value":null,"mission":"Thrift savings and borrowing for members. the credit union is regulated by the state of texas. the credit union department as well as the national credit union administration. the credit union offers products and services in four primary areas: share accounts, checking accounts, consumer loans and real estate loans.","year":2024,"name":"FORT WORTH COMMUNITY CREDIT UNION","phone":8178355000,"website":"WWW.FTWCCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DIANE DORSEY","year_formation":1940,"state_legal_domicile":"TX","total_volunteers":9,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO BOX 210848, BEDFORD, TX, 76095, USA","city":"BEDFORD","state":"TX","country":"USA","zip_code":76095},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":213,"Total Gross UBI":45873,"Net unrelated business taxable income":0,"Number of employees":213,"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":68284998,"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":51872206,"Total revenue":{"value":51872206,"INTEREST ON LOANS":40989509,"LOAN FEE INCOME":7214622,"MEMBER FEES & CHARGES":3668075},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":16257373,"Investment income total":16251384,"Net investment gain":5989,"Income from invest bond proceeds":0},"Other revenues":{"value":155419,"Other total":155419,"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":58781622,"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":18040297,"Current officers":4502752,"Disqualified persons":0,"Other salaries and wages":9434286,"Pension plan contributions":695760,"Other employee benefits":2445769,"Payroll taxes":961730},"Other expenses":{"value":40741325,"Management services":5096526,"Legal":39234,"Accounting":553669,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":669733,"Office expenses":2093357,"Information technology":1379612,"Royalties":0,"Occupancy":1314457,"Travel":0,"Conferences and meetings":95401,"Interest":20320915,"Payments to affiliates":0,"Depreciation and depletion":1192866,"Insurance":402262,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":7583293,"PROVISION FOR LOAN LOSS":5216411,"LOAN SERVICING":1711195,"MISCELLANEOUS EXPENSE":655687},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1224541959,"Non-interest bearing cash":5051198,"Savings and temp cash investments":165421915,"Pledges and grants receivable":0,"Accounts receivable":801113,"Receivables from officers":22157292,"Receivables from disqual persons":0,"Other net note and loans":645438282,"Inventories for sale or use":0,"Prepaid expenses deferred charges":6604757,"Land, building, equipment":24422238,"Investments publicly traded":342687783,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":11957381},"Liabilities":{"value":1099823060,"Sum of Total Liabilities":0,"Accounts payable, accrued":9159015,"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":1090664045},"Fund balance":{"value":124718899,"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":0.13917223809540127,"percentile":0.6839990959261855},"Liabilities to Assets Ratio":{"score":0.8981505712537206,"percentile":0.06497006061619086},"Operating Reserve Ratio":{"score":20.832054600330697,"percentile":0.9485305841913287},"Officer Compensation Ratio":{"score":0.0651157941847879,"percentile":0.6861849813459715},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06724259282781543,"percentile":0.6721218214309611},"Asset Growth":{"score":0.04529904077020225,"percentile":0.5084463025540628},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6210516236431212,"percentile":0.6656332124959228}},"source_xml":"202502759349300715_public.xml"},{"Organization":{"value":null,"Person":["MARCELLA BANKS","HENRY CHRISTIANSEN","JANICE GRACZYK","NEAL OLIVER","HERBERT SIMS","STANLEY SPIVEY","TOM TIJERINA","LEIGHTON WATERS","BENNIE CRUZ","RICHARD HOWDESHELL","MICHAEL FRANKO","KYLE KOKE","DIANE DORSEY","ROCHELLE DRAKE","TAMMY TRUDELLE","MARC RHODES","CARL AUZENNE","JOHN BEARRIE","GRETCHEN MCGINNIS","GINDA ABRAHAM","VALERIE GROSSKURTH"],"Title":["BOARD MEMBER-VICE-CHAIR","BOARD MEMBER-SECRETARY-TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER-CHAIR","BOARD MEMBER","PRESIDENT/CEO","SR VP-FINANCE","SR VP-LENDING","VP-OPERATIONS","VP-MARKETING","VP-HUMAN RESOURCES","VP-SUPPORT SERVICES","VP-INFORMATION SERVICES","INVESTMENT CONSULTANT","DIRECTOR OF INTERNAL AUDIT","AVP-ACCOUNTING","AVP-FINANCIAL SERVICES"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,2237,0,595,1943,1906,2001,416,502538,256515,232872,215284,205016,208413,216227,201525,266688,151599,139401,139010],"Direct compensation":[0,0,2237,0,595,1943,1906,2001,416,453784,219589,205883,181166,184132,186857,188041,168337,230535,134131,123166,109824],"Other compensation":[0,0,0,0,0,0,0,0,0,48754,36926,26989,34118,20884,21556,28186,33188,36153,17468,16235,29186]},"Basic":{"value":null,"mission":"Thrift savings and borrowing for members. the credit union is regulated by the state of texas. the credit union department as well as the national credit union administration. the credit union offers products and services in four primary areas: share accounts, checking accounts, consumer loans and real estate loans.","year":2016,"name":"FORT WORTH COMMUNITY CREDIT UNION","phone":8178355000,"website":"WWW.FTWCCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"RICHARD HOWDESHELL","year_formation":1940,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"PO BOX 210848, BEDFORD, TX, 76095, USA","city":"BEDFORD","state":"TX","country":"USA","zip_code":76095},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":240,"Total Gross UBI":74323,"Net unrelated business taxable income":-169507,"Number of employees":240,"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":34069527,"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":32455137,"Total revenue":{"value":32455137,"INTEREST ON LOANS":24064870,"LOAN FEE INCOME":5807600,"MEMBER FEES & CHARGES":2582667},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1437668,"Investment income total":1454712,"Net investment gain":-17044,"Income from invest bond proceeds":0},"Other revenues":{"value":176722,"Other total":176496,"Royalties revenue":226,"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":32320819,"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":13623933,"Current officers":2047999,"Disqualified persons":8587166,"Other salaries and wages":0,"Pension plan contributions":533179,"Other employee benefits":1735265,"Payroll taxes":720324},"Other expenses":{"value":18696886,"Management services":3816895,"Legal":37661,"Accounting":415746,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":904387,"Office expenses":1897642,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":1377846,"Conferences and meetings":137842,"Interest":3075874,"Payments to affiliates":0,"Depreciation and depletion":1065819,"Insurance":242288,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":5724886,"PROVISION FOR LOAN LOSS":3737000,"LOAN SERVICING":1505238,"MISCELLANEOUS EXPENSE":482648},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":861191840,"Non-interest bearing cash":4198360,"Savings and temp cash investments":60518211,"Pledges and grants receivable":0,"Accounts receivable":967053,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":630020097,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2149952,"Land, building, equipment":23262249,"Investments publicly traded":132524770,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":7551148},"Liabilities":{"value":782417988,"Sum of Total Liabilities":0,"Accounts payable, accrued":8195465,"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":774222523},"Fund balance":{"value":78773852,"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":0.051327627765422164,"percentile":0.5279212273719149},"Liabilities to Assets Ratio":{"score":0.9085292633520541,"percentile":0.063246333777426},"Operating Reserve Ratio":{"score":26.645111932343053,"percentile":0.9620040098951975},"Officer Compensation Ratio":{"score":0.08490459353768232,"percentile":0.6055147940437997},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0038303938894780317,"percentile":0.386765573367982},"Asset Growth":{"score":0.01774811975619407,"percentile":0.3943339556418071},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5518118462735649,"percentile":0.4627093564632949}},"source_xml":"201722699349301702_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["LEIGHTON WATERS","MICHAEL CLARDY","JUDE KIAH","CHARLES REDDING","CHASITY CRAWLEY","TUNISIA SADRUDDIN","JANICE GRACZYK","TOMAS TIJERINA","JOSEPH LOZANO","LOUISE MOLINAR","DIANE DORSEY","MICHAEL FRANKO","TAMMY TRUDELLE","VALERIE GROSSKURTH","JOHNNY NEIL SPENCER","KAREN MARTINEZ","BRANDY SCARLETT","MERRILL CURRIER","DOUG BEDNER","KOSTAS LEUCKER","GINDA ABRAHAM","SHELIA HAILEY","LISA PIPPIN","TERRI BOOP"],"Title":["BOARD MEMBER","BOARD MEMBER-SECRETARY/TREASURER","BOARD MEMBER","BOARD MEMBER-CHAIR","BOARD MEMBER","BOARD MEMBER-VICE CHAIR","BOARD MEMBER","BOARD MEMBER","FMR BOARD MEMBER (UNTIL 2024)","BOARD MEMBER","PRESIDENT/CEO","SVP FINANCE","VP HUMAN RESOURCES","VP PAYMENT SYSTEMS & RISK MANAGEMENT","VP SUPPORT SERVICES","VP OPERATIONS","VP MARKETING","VP INFORMATION TECHNOLOGY","VP LENDING","INVESTMENT CONSULTANT","FMR AVP ACCOUNTING (UNTIL 7/26/24)","AVP REAL ESTATE","AVP LENDING","AVP BRANCH OPERATIONS"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[3665,2554,1500,1500,1375,1375,1250,1250,500,0,530344,394362,335081,239754,225919,218994,187723,263704,254366,486449,205056,164429,153656,152806],"Direct compensation":[3665,2554,1500,1500,1375,1375,1250,1250,500,0,477383,359552,293727,199611,180449,183322,144867,222205,252739,428294,189615,132456,132649,142810],"Other compensation":[0,0,0,0,0,0,0,0,0,0,52961,34810,41354,40143,45470,35672,42856,41499,1627,58155,15441,31973,21007,9996]},"Basic":{"value":null,"mission":"Thrift savings and borrowing for members. the credit union is regulated by the state of texas. the credit union department as well as the national credit union administration. the credit union offers products and services in four primary areas: share accounts, checking accounts, consumer loans and real estate loans.","year":2024,"name":"FORT WORTH COMMUNITY CREDIT UNION","phone":8178355000,"website":"WWW.FTWCCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DIANE DORSEY","year_formation":1940,"state_legal_domicile":"TX","total_volunteers":9,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO BOX 210848, BEDFORD, TX, 76095, USA","city":"BEDFORD","state":"TX","country":"USA","zip_code":76095},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":213,"Total Gross UBI":45873,"Net unrelated business taxable income":0,"Number of employees":213,"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":68284998,"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":51872206,"Total revenue":{"value":51872206,"INTEREST ON LOANS":40989509,"LOAN FEE INCOME":7214622,"MEMBER FEES & CHARGES":3668075},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":16257373,"Investment income total":16251384,"Net investment gain":5989,"Income from invest bond proceeds":0},"Other revenues":{"value":155419,"Other total":155419,"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":58781622,"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":18040297,"Current officers":4502752,"Disqualified persons":0,"Other salaries and wages":9434286,"Pension plan contributions":695760,"Other employee benefits":2445769,"Payroll taxes":961730},"Other expenses":{"value":40741325,"Management services":5096526,"Legal":39234,"Accounting":553669,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":669733,"Office expenses":2093357,"Information technology":1379612,"Royalties":0,"Occupancy":1314457,"Travel":0,"Conferences and meetings":95401,"Interest":20320915,"Payments to affiliates":0,"Depreciation and depletion":1192866,"Insurance":402262,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":7583293,"PROVISION FOR LOAN LOSS":5216411,"LOAN SERVICING":1711195,"MISCELLANEOUS EXPENSE":655687},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1224541959,"Non-interest bearing cash":5051198,"Savings and temp cash investments":165421915,"Pledges and grants receivable":0,"Accounts receivable":801113,"Receivables from officers":22157292,"Receivables from disqual persons":0,"Other net note and loans":645438282,"Inventories for sale or use":0,"Prepaid expenses deferred charges":6604757,"Land, building, equipment":24422238,"Investments publicly traded":342687783,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":11957381},"Liabilities":{"value":1099823060,"Sum of Total Liabilities":0,"Accounts payable, accrued":9159015,"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":1090664045},"Fund balance":{"value":124718899,"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":0.13917223809540127,"percentile":0.6839990959261855},"Liabilities to Assets Ratio":{"score":0.8981505712537206,"percentile":0.06497006061619086},"Operating Reserve Ratio":{"score":20.832054600330697,"percentile":0.9485305841913287},"Officer Compensation Ratio":{"score":0.0651157941847879,"percentile":0.6861849813459715},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06724259282781543,"percentile":0.6721218214309611},"Asset Growth":{"score":0.04529904077020225,"percentile":0.5084463025540628},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6210516236431212,"percentile":0.6656332124959228}},"source_xml":"202502759349300715_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}