{"success":true,"data":{"_id":750920970,"filings":[{"Organization":{"value":null,"Person":["FREDDIE GIBSON","EDESKA BARNES","CLARA BRYANT","PAM PAGANO","SELITA HOYA","JOSH MOORE","DANIEL JOHNSON","SYLVESTER HARRIS","CODY DEROUEN","ANNA MIDDLEBROOK"],"Title":["CHAIRMAN","VICE CHARIMA","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT","VICE PRESIDE"],"Hours":[1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,100333,74631],"Direct compensation":[0,0,0,0,0,0,0,0,88520,65204],"Other compensation":[0,0,0,0,0,0,0,0,11813,9427]},"Basic":{"value":null,"mission":"To serve all members with the best in friendly, personal service at rates and terms that are competitive; to help them achieve their financial goals.","year":2024,"name":"DOCHES CREDIT UNION","phone":9365697700,"website":"WWW.DOCHESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CODY DEROUEN","year_formation":1951,"state_legal_domicile":"TX","total_volunteers":null,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"920 NW STALLINGS DRIVE, NACOGDOCHES, TX, 75964, USA","city":"NACOGDOCHES","state":"TX","country":"USA","zip_code":75964},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":28,"Total Gross UBI":216252,"Net unrelated business taxable income":null,"Number of employees":28,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":5040066,"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":4305642,"Total revenue":{"value":4286442,"INTEREST ON LOANS":2940844,"FEE INCOME":951494,"OTHER INCOME":197052,"GAP INSURANCE":169786,"CREDIT LIFE INSURANCE":27266},"Total other revenue":19200,"Unrelated business revenue":0},"Investment income":{"value":734424,"Investment income total":734424,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":4982889,"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":1332721,"Current officers":153724,"Disqualified persons":0,"Other salaries and wages":908351,"Pension plan contributions":34671,"Other employee benefits":154329,"Payroll taxes":81646},"Other expenses":{"value":3650168,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":154043,"Advertising":27425,"Office expenses":1186568,"Information technology":448822,"Royalties":0,"Occupancy":174317,"Travel":8713,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1647406,"SHARE DIVIDENDS":973160,"PROVISION FOR LOAN LOSS":389698,"LOAN SERVICING":153874,"MISCELLANEOUS EXPENSE":130674},"All other expenses":2874},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":64947244,"Non-interest bearing cash":5141005,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":46054129,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1456246,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":12295864},"Liabilities":{"value":56692076,"Sum of Total Liabilities":0,"Accounts payable, accrued":345579,"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":56346497},"Fund balance":{"value":8255168,"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":0.011344494298288951,"percentile":0.42878411243123915},"Liabilities to Assets Ratio":{"score":0.8728942524489569,"percentile":0.06894354287624563},"Operating Reserve Ratio":{"score":13.034053939391384,"percentile":0.9153756907227371},"Officer Compensation Ratio":{"score":0.035112963583977086,"percentile":0.8327774649373128},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10442855876555962,"percentile":0.7737008066685872},"Asset Growth":{"score":0.05410442390914458,"percentile":0.5422881457384953},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5928100199845336,"percentile":0.584344439215956}},"source_xml":"202513179349303031_public.xml"},{"Organization":{"value":null,"Person":["Orren Schmidt","Pam Pagano","Joyce Strickland","Josh Moore","Joey Michelle","Freddie Gibson","Selita Hoya","Edeska Barnes","James Muse","Sue Garcia","Darrell Lynch","Jamie Flores"],"Title":["Chairman","Treasurer","Secretary","Director","Director","Vice Chairman","Director","Director","President & CEO","Controller","President & CEO","President & CEO"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,50.0,40.0,45.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,38784,22675,57873,48292],"Direct compensation":[0,0,0,0,0,0,0,0,38784,22675,57873,48292],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To serve all members with the best in friendly, personal service at rates and terms that are competitive; to help them achieve their financial goals.","year":2014,"name":"Doches Credit Union","phone":9365697700,"website":"www.dochescu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1951,"state_legal_domicile":"TX","total_volunteers":null,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"920 NW Stallings Drive, Nacogdoches, TX, 75964, USA","city":"Nacogdoches","state":"TX","country":"USA","zip_code":75964},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":12,"Number of independent voting members":8,"Number of employees total":24,"Total Gross UBI":80377,"Net unrelated business taxable income":-55275,"Number of employees":24,"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":1755898,"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":1755898,"Total revenue":{"value":1740570,"Credit Life Insurance":65049,"Fee Income":361631,"Interest on Loans":1118145,"Investment Income":156755,"Other Income":38990},"Total other revenue":15328,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1523053,"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":735487,"Current officers":167624,"Disqualified persons":0,"Other salaries and wages":401976,"Pension plan contributions":0,"Other employee benefits":122173,"Payroll taxes":43714},"Other expenses":{"value":787566,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":66501,"Advertising":0,"Office expenses":309055,"Information technology":0,"Royalties":0,"Occupancy":118443,"Travel":13124,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":232385,"interest on deposits":81311,"share dividends":72241,"loan servicing":42418,"miscellaneous operating expens":36415},"All other expenses":48058},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":41653982,"Non-interest bearing cash":760378,"Savings and temp cash investments":1039370,"Pledges and grants receivable":0,"Accounts receivable":19773915,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1134408,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":18945911},"Liabilities":{"value":36415761,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":36415761},"Fund balance":{"value":5238221,"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":0.13260736101983145,"percentile":0.6746595813583892},"Liabilities to Assets Ratio":{"score":0.8742444119748263,"percentile":0.06874136600282188},"Operating Reserve Ratio":{"score":27.34900361313756,"percentile":0.9631917003535991},"Officer Compensation Ratio":{"score":0.11005789030322648,"percentile":0.5196637732857903},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.6666666666666666,"percentile":0.15937247719534797},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5230838776139095,"percentile":0.3816653644330844}},"source_xml":"201532299349301403_public.xml"},{"Organization":{"value":null,"Person":["FREDDIE GIBSON","EDESKA BARNES","CLARA BRYANT","PAM PAGANO","SELITA HOYA","JOSH MOORE","JOSEPH RAMIREZ JR","BRIAN EGGEBRECHT","CODY DEROUEN","JAMIE FLORES"],"Title":["CHAIRMAN","VICE CHARIMA","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT","CONTROLLER"],"Hours":[5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,92185,100063],"Direct compensation":[0,0,0,0,0,0,0,0,82236,89711],"Other compensation":[0,0,0,0,0,0,0,0,9949,10352]},"Basic":{"value":null,"mission":"To serve all members with the best in friendly, personal service at rates and terms that are competitive; to help them achieve their financial goals.","year":2022,"name":"DOCHES CREDIT UNION","phone":9365697700,"website":"WWW.DOCHESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CODY DEROUEN","year_formation":1951,"state_legal_domicile":"TX","total_volunteers":null,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"920 NW STALLINGS DRIVE, NACOGDOCHES, TX, 75964, USA","city":"NACOGDOCHES","state":"TX","country":"USA","zip_code":75964},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":26,"Total Gross UBI":170383,"Net unrelated business taxable income":null,"Number of employees":26,"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":3842906,"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":3693444,"Total revenue":{"value":3673002,"INTEREST ON LOANS":2358108,"FEE INCOME":1015013,"OTHER INCOME":149940,"GAP INSURANCE":125609,"CREDIT LIFE INSURANCE":24332},"Total other revenue":20442,"Unrelated business revenue":0},"Investment income":{"value":149462,"Investment income total":149462,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3430239,"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":1070244,"Current officers":171947,"Disqualified persons":0,"Other salaries and wages":671273,"Pension plan contributions":29849,"Other employee benefits":134611,"Payroll taxes":62564},"Other expenses":{"value":2359995,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":91242,"Advertising":40640,"Office expenses":1067393,"Information technology":345896,"Royalties":0,"Occupancy":179752,"Travel":10649,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":621455,"SHARE DIVIDENDS":268310,"PROVISION FOR LOAN LOSS":151580,"LOAN SERVICING":135928,"MISCELLANEOUS EXPENSE":65637},"All other expenses":2968},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":67652678,"Non-interest bearing cash":4167611,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":44004515,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1603567,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":17876985},"Liabilities":{"value":59771592,"Sum of Total Liabilities":0,"Accounts payable, accrued":753417,"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":59018175},"Fund balance":{"value":7881086,"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":0.10738409942892176,"percentile":0.6357081847008944},"Liabilities to Assets Ratio":{"score":0.8835066662106118,"percentile":0.06731936817576237},"Operating Reserve Ratio":{"score":19.722438582267884,"percentile":0.9450812902073235},"Officer Compensation Ratio":{"score":0.05604507441026704,"percentile":0.7276858602024764},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10233096754630237,"percentile":0.769125587825472},"Asset Growth":{"score":0.061301709036898015,"percentile":0.5683404325469107},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6279658933293878,"percentile":0.684563762415799}},"source_xml":"202343149349305504_public.xml"},{"Organization":{"value":null,"Person":["JAMIE FLORES","CODY DEROUEN","EDESKA BARNES","BRIAN EGGEBRECHT","FREDDIE GIBSON","SELITA HOYA","JOSH MOORE","PAM PAGANO","JOSEPH RAMIREZ","CLARA BRYANT"],"Title":["PRESIDENT &","CONTROLLER","VICE CHARIMA","DIRECTOR","CHAIRMAN","DIRECTOR","DIRECTOR","TREASURER","DIRECTOR","SECRETARY"],"Hours":[45.0,45.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[82015,64750,0,0,0,0,0,0,0,0],"Direct compensation":[82015,64750,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To serve all members with the best in friendly, personal service at rates and terms that are competitive; to help them achieve their financial goals.","year":2019,"name":"DOCHES CREDIT UNION","phone":9365697700,"website":"WWW.DOCHESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JAMIE FLORES","year_formation":1951,"state_legal_domicile":"TX","total_volunteers":null,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"920 NW STALLINGS DRIVE, NACOGDOCHES, TX, 75964, USA","city":"NACOGDOCHES","state":"TX","country":"USA","zip_code":75964},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":8,"Number of employees total":26,"Total Gross UBI":87745,"Net unrelated business taxable income":null,"Number of employees":26,"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":3110247,"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":3110247,"Total revenue":{"value":3079397,"INTEREST ON LOANS":1793307,"FEE INCOME":766947,"INVESTMENT INCOME":338317,"OTHER INCOME":123931,"GAP INSURANCE":56895},"Total other revenue":30850,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2720110,"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":900206,"Current officers":146765,"Disqualified persons":0,"Other salaries and wages":547629,"Pension plan contributions":20880,"Other employee benefits":134946,"Payroll taxes":49986},"Other expenses":{"value":1819904,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":726855,"Information technology":142889,"Royalties":0,"Occupancy":142199,"Travel":23812,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":644808,"PROVISION FOR LOAN LOSS":246790,"SHARE DIVIDENDS":212810,"LOAN SERVICING":94076,"MISCELLANEOUS EXPENSE":91132},"All other expenses":139341},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":48768904,"Non-interest bearing cash":1242731,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":29705591,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1283238,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":16537344},"Liabilities":{"value":42247250,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":42247250},"Fund balance":{"value":6521654,"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":0.12543601842554628,"percentile":0.6641029502847038},"Liabilities to Assets Ratio":{"score":0.8662743374343619,"percentile":0.06991591736271227},"Operating Reserve Ratio":{"score":17.929019047023832,"percentile":0.9388071642975843},"Officer Compensation Ratio":{"score":0.05395553856277871,"percentile":0.7376421640138175},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.11083599570581616,"percentile":0.7869088044266124},"Asset Growth":{"score":0.029312134001205574,"percentile":0.4431283042323051},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5576824420822007,"percentile":0.4800416288112331}},"source_xml":"202043149349301304_public.xml"},{"Organization":{"value":null,"Person":["EDESKA BARNES","FREDDIE GIBSON","SELITA HOYA","JOSH MOORE","PAM PAGANO","JOSEPH RAMIREZ","ORREN SCHMIDT","CLARA BRYANT","CODY DEROUEN","JAMIE FLORES"],"Title":["DIRECTOR","VICE CHAIRMA","DIRECTOR","DIRECTOR","TREASURER","DIRECTOR","CHAIRMAN","SECRETARY","CONTROLLER","PRESIDENT &"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,56700,83717],"Direct compensation":[0,0,0,0,0,0,0,0,55140,71575],"Other compensation":[0,0,0,0,0,0,0,0,1560,12142]},"Basic":{"value":null,"mission":"To serve all members with the best in friendly, personal service at rates and terms that are competitive; to help them achieve their financial goals.","year":2017,"name":"DOCHES CREDIT UNION","phone":9365697700,"website":"WWW.DOCHESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JAMIE FLORES","year_formation":1951,"state_legal_domicile":"TX","total_volunteers":null,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"920 NW STALLINGS DRIVE, NACOGDOCHES, TX, 75964, USA","city":"NACOGDOCHES","state":"TX","country":"USA","zip_code":75964},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":8,"Number of employees total":23,"Total Gross UBI":67521,"Net unrelated business taxable income":-13136,"Number of employees":23,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":2281583,"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":2281583,"Total revenue":{"value":2253762,"INTEREST ON LOANS":1413911,"FEE INCOME":514870,"INVESTMENT INCOME":180665,"OTHER INCOME":104616,"GAP INSURANCE":39700},"Total other revenue":27821,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2040731,"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":802396,"Current officers":126715,"Disqualified persons":0,"Other salaries and wages":521924,"Pension plan contributions":19717,"Other employee benefits":83313,"Payroll taxes":50727},"Other expenses":{"value":1238335,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":570752,"Information technology":786,"Royalties":0,"Occupancy":116075,"Travel":23061,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":429507,"SHARE DIVIDENDS":165709,"PROVISION FOR LOAN LOSS":135376,"LOAN SERVICING":67932,"MISCELLANEOUS EXPENSE":60490},"All other expenses":98154},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":44235974,"Non-interest bearing cash":2382149,"Savings and temp cash investments":912331,"Pledges and grants receivable":0,"Accounts receivable":27685109,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1264940,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":11991445},"Liabilities":{"value":38473881,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":38473881},"Fund balance":{"value":5762093,"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":0.105563549518032,"percentile":0.6326821053506863},"Liabilities to Assets Ratio":{"score":0.8697419209080827,"percentile":0.06940381788595504},"Operating Reserve Ratio":{"score":21.67653355586797,"percentile":0.9509112194814379},"Officer Compensation Ratio":{"score":0.06880720682931753,"percentile":0.6702102564678613},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.08490217261605887,"percentile":0.7263757642746016},"Asset Growth":{"score":0.019997945920584976,"percentile":0.4038334351511862},"Independent Voting Board Pct":{"score":0.7272727272727273,"percentile":0.1666447951130833},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5374084930794812,"percentile":0.42105374728295814}},"source_xml":"201833129349300523_public.xml"},{"Organization":{"value":null,"Person":["Mary Riding","Marcela Coe","Orren Schmidt","Pam Pagano","Joyce Strickland","Josh Moore","Joey Michelle","Freddie Gibson","Selita Hoya","Edeska Barnes","Cody Derouen","Jamie Flores"],"Title":["Director","Director","Chairman","Treasurer","Secretary","Director","Director","Vice Chairman","Director","Director","Controller","President & CEO"],"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],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,54044,61469],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,48584,55809],"Other compensation":[0,0,0,0,0,0,0,0,0,0,5460,5660]},"Basic":{"value":null,"mission":"To serve all members with the best in friendly, personal service at rates and terms that are competitive; to help them achieve their financial goals.","year":2015,"name":"Doches Credit Union","phone":9365697700,"website":"www.dochescu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1951,"state_legal_domicile":"TX","total_volunteers":null,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"920 NW Stallings Drive, Nacogdoches, TX, 75964, USA","city":"Nacogdoches","state":"TX","country":"USA","zip_code":75964},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":12,"Number of independent voting members":8,"Number of employees total":26,"Total Gross UBI":49059,"Net unrelated business taxable income":-16883,"Number of employees":26,"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":1948205,"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":1948205,"Total revenue":{"value":1919116,"Credit Life Insurance":19970,"Fee Income":461911,"Interest on Loans":1240043,"Investment Income":172376,"Other Income":24816},"Total other revenue":29089,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1807566,"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":715908,"Current officers":109853,"Disqualified persons":0,"Other salaries and wages":497039,"Pension plan contributions":0,"Other employee benefits":63736,"Payroll taxes":45280},"Other expenses":{"value":1091658,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":59397,"Advertising":0,"Office expenses":433639,"Information technology":0,"Royalties":0,"Occupancy":116476,"Travel":15282,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":388672,"miscellaneous operating expens":205606,"share dividends":72530,"interest on deposits":59052,"provision for loan losses":51484},"All other expenses":78192},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":41137178,"Non-interest bearing cash":1066155,"Savings and temp cash investments":1455631,"Pledges and grants receivable":0,"Accounts receivable":21563934,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1388818,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":15662640},"Liabilities":{"value":35793744,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":35793744},"Fund balance":{"value":5343434,"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":0.07218901501638687,"percentile":0.5717308998611892},"Liabilities to Assets Ratio":{"score":0.8701069383028656,"percentile":0.06934687242413963},"Operating Reserve Ratio":{"score":22.75832694352516,"percentile":0.9537384765025436},"Officer Compensation Ratio":{"score":0.06390527372167877,"percentile":0.6915767989696939},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.09688332783049473,"percentile":0.7567398528102096},"Asset Growth":{"score":0.006587839094601305,"percentile":0.34748279072688415},"Independent Voting Board Pct":{"score":0.6666666666666666,"percentile":0.15937247719534797},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5263668611882608,"percentile":0.3905148865596895}},"source_xml":"201623079349301482_public.xml"},{"Organization":{"value":null,"Person":["FREDDIE GIBSON","EDESKA BARNES","CLARA BRYANT","PAM PAGANO","SELITA HOYA","JOSH MOORE","CODY DEROUEN","JAMIE FLORES"],"Title":["CHAIRMAN","VICE CHARIMA","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","PRESIDENT","CONTROLLER"],"Hours":[1.5,1.5,1.5,1.5,1.5,1.5,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,101402,82247],"Direct compensation":[0,0,0,0,0,0,91295,73000],"Other compensation":[0,0,0,0,0,0,10107,9247]},"Basic":{"value":null,"mission":"To serve all members with the best in friendly, personal service at rates and terms that are competitive; to help them achieve their financial goals.","year":2023,"name":"DOCHES CREDIT UNION","phone":9365697700,"website":"WWW.DOCHESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CODY DEROUEN","year_formation":1951,"state_legal_domicile":"TX","total_volunteers":null,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"920 NW STALLINGS DRIVE, NACOGDOCHES, TX, 75964, USA","city":"NACOGDOCHES","state":"TX","country":"USA","zip_code":75964},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":29,"Total Gross UBI":163732,"Net unrelated business taxable income":null,"Number of employees":29,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":4463808,"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":4068149,"Total revenue":{"value":4049733,"INTEREST ON LOANS":2739685,"FEE INCOME":1019416,"OTHER INCOME":145316,"GAP INSURANCE":118694,"CREDIT LIFE INSURANCE":26622},"Total other revenue":18416,"Unrelated business revenue":0},"Investment income":{"value":395659,"Investment income total":395659,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":4146903,"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":1132893,"Current officers":164295,"Disqualified persons":0,"Other salaries and wages":741141,"Pension plan contributions":29182,"Other employee benefits":133794,"Payroll taxes":64481},"Other expenses":{"value":3014010,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":133300,"Advertising":31408,"Office expenses":1125862,"Information technology":388041,"Royalties":0,"Occupancy":169557,"Travel":9884,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1153927,"SHARE DIVIDENDS":533384,"PROVISION FOR LOAN LOSS":381151,"LOAN SERVICING":149835,"MISCELLANEOUS EXPENSE":89557},"All other expenses":2031},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":64531807,"Non-interest bearing cash":10593906,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":45563836,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1509184,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":6864881},"Liabilities":{"value":56333816,"Sum of Total Liabilities":0,"Accounts payable, accrued":716419,"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":55617397},"Fund balance":{"value":8197991,"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":0.07099431695986924,"percentile":0.5693302944822761},"Liabilities to Assets Ratio":{"score":0.8729620108111957,"percentile":0.06893289120712907},"Operating Reserve Ratio":{"score":15.56144597546651,"percentile":0.9288507331568537},"Officer Compensation Ratio":{"score":0.04428582004450068,"percentile":0.7853592615944835},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10370976896117044,"percentile":0.7721525897916794},"Asset Growth":{"score":0.058222356993717514,"percentile":0.557409989326648},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6178306093695576,"percentile":0.6566932972934273}},"source_xml":"202423179349303982_public.xml"},{"Organization":{"value":null,"Person":["Orren Schmidt","James Boiles","Pam Pagano","Joyce Strickland","Josh Moore","Joey Michelle","Freddie Gibson","Candace Moore","Selita Hoya","James Muse","Sue Garcia"],"Title":["Chairman","Director","Treasurer","Secretary","Director","Director","Vice Chairman","Director","Director","President","Controller"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,50.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,104318,44274],"Direct compensation":[0,0,0,0,0,0,0,0,0,104318,44274],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To serve all members with the best in friendly, personal service at rates and terms that are competitive; to help them achieve their financial goals.","year":2013,"name":"Doches Credit Union","phone":9365697700,"website":"www.dochescu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1951,"state_legal_domicile":"TX","total_volunteers":null,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"920 NW Stallings Drive, Nacogdoches, TX, 75964, USA","city":"Nacogdoches","state":"TX","country":"USA","zip_code":75964},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":9,"Number of employees total":25,"Total Gross UBI":78446,"Net unrelated business taxable income":-37671,"Number of employees":25,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1605278,"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":1605278,"Total revenue":{"value":1605278,"ATM Foreign Card Income":11104,"Credit Life Insurance":67342,"Fee Income":331607,"Interest on Loans":1031499,"Investment Income":163726},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1413543,"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":644319,"Current officers":148592,"Disqualified persons":0,"Other salaries and wages":352011,"Pension plan contributions":0,"Other employee benefits":104700,"Payroll taxes":39016},"Other expenses":{"value":769224,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":63652,"Advertising":0,"Office expenses":275936,"Information technology":0,"Royalties":0,"Occupancy":92809,"Travel":6420,"Conferences and meetings":0,"Interest":174,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":247068,"interest on deposits":99803,"share dividends":74179,"miscellaneous operating expens":46843,"operating fees":26243},"All other expenses":83165},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":40595278,"Non-interest bearing cash":1455538,"Savings and temp cash investments":3231401,"Pledges and grants receivable":0,"Accounts receivable":17443060,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":950371,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":17514908},"Liabilities":{"value":35575722,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":35575722},"Fund balance":{"value":5019556,"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":0.11944037107591333,"percentile":0.6548961120138489},"Liabilities to Assets Ratio":{"score":0.8763512347421294,"percentile":0.06842755144346503},"Operating Reserve Ratio":{"score":28.718813647692357,"percentile":0.9653362930275072},"Officer Compensation Ratio":{"score":0.10512025456600896,"percentile":0.5352883230519251},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8181818181818182,"percentile":0.19651986163686286},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5238429267232518,"percentile":0.3836880094984724}},"source_xml":"201443149349300924_public.xml"},{"Organization":{"value":null,"Person":["EDESKA BARNES","FREDDIE GIBSON","SELITA HOYA","JOSH MOORE","PAM PAGANO","JOSEPH RAMIREZ","ORREN SCHMIDT","CLARA BRYANT","CODY DEROUEN","JAMIE FLORES"],"Title":["DIRECTOR","VICE CHAIRMA","DIRECTOR","DIRECTOR","TREASURER","DIRECTOR","CHAIRMAN","SECRETARY","CONTROLLER","PRESIDENT &"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,59984,77298],"Direct compensation":[0,0,0,0,0,0,0,0,59984,77298],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To serve all members with the best in friendly, personal service at rates and terms that are competitive; to help them achieve their financial goals.","year":2018,"name":"DOCHES CREDIT UNION","phone":9365697700,"website":"WWW.DOCHESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JAMIE FLORES","year_formation":1951,"state_legal_domicile":"TX","total_volunteers":null,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"920 NW STALLINGS DRIVE, NACOGDOCHES, TX, 75964, USA","city":"NACOGDOCHES","state":"TX","country":"USA","zip_code":75964},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":8,"Number of employees total":31,"Total Gross UBI":73902,"Net unrelated business taxable income":null,"Number of employees":31,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":2769744,"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":2769744,"Total revenue":{"value":2739565,"INTEREST ON LOANS":1644004,"FEE INCOME":698866,"INVESTMENT INCOME":227972,"OTHER INCOME":125000,"GAP INSURANCE":43723},"Total other revenue":30179,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2421565,"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":856684,"Current officers":137282,"Disqualified persons":0,"Other salaries and wages":527407,"Pension plan contributions":19495,"Other employee benefits":118211,"Payroll taxes":54289},"Other expenses":{"value":1564881,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":688782,"Information technology":69071,"Royalties":0,"Occupancy":150810,"Travel":25832,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":540992,"PROVISION FOR LOAN LOSS":208556,"SHARE DIVIDENDS":166582,"MISCELLANEOUS EXPENSE":89323,"LOAN SERVICING":76531},"All other expenses":89394},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":45718569,"Non-interest bearing cash":2386019,"Savings and temp cash investments":-221579,"Pledges and grants receivable":0,"Accounts receivable":31218645,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1177448,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":11158036},"Liabilities":{"value":39608297,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":39608297},"Fund balance":{"value":6110272,"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":0.12570800767146711,"percentile":0.6645344030045577},"Liabilities to Assets Ratio":{"score":0.8663503225571212,"percentile":0.06990178341715378},"Operating Reserve Ratio":{"score":18.879761228792123,"percentile":0.9422615105636144},"Officer Compensation Ratio":{"score":0.056691437149116376,"percentile":0.7246217058753719},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10355000219428316,"percentile":0.7718031911185544},"Asset Growth":{"score":0.023434653206842845,"percentile":0.4183628754632619},"Independent Voting Board Pct":{"score":0.7272727272727273,"percentile":0.1666447951130833},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5517228632197876,"percentile":0.4624561758569294}},"source_xml":"201941789349301154_public.xml"},{"Organization":{"value":null,"Person":["Orren Schmidt","Pam Pagano","Joyce Strickland","Josh Moore","Freddie Gibson","Joseph Ramirez","Selita Hoya","Edeska Barnes","Clara Bryant","Cody Derouen","Jamie Flores"],"Title":["Chairman","Treasurer","Secretary","Director","Vice Chairman","Director","Director","Director","Director","Controller","President & CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,53736,72596],"Direct compensation":[0,0,0,0,0,0,0,0,0,45203,63496],"Other compensation":[0,0,0,0,0,0,0,0,0,8533,9100]},"Basic":{"value":null,"mission":"To serve all members with the best in friendly, personal service at rates and terms that are competitive; to help them achieve their financial goals.","year":2016,"name":"Doches Credit Union","phone":9365697700,"website":"www.dochescu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1951,"state_legal_domicile":"TX","total_volunteers":null,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"920 NW Stallings Drive, Nacogdoches, TX, 75964, USA","city":"Nacogdoches","state":"TX","country":"USA","zip_code":75964},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":8,"Number of employees total":27,"Total Gross UBI":59928,"Net unrelated business taxable income":-21078,"Number of employees":27,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":2038395,"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":2038395,"Total revenue":{"value":2006619,"Fee Income":503022,"Gap Insurance":28152,"Interest on Loans":1272970,"Investment Income":167124,"Other Income":35351},"Total other revenue":31776,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1860588,"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":791986,"Current officers":126332,"Disqualified persons":0,"Other salaries and wages":527435,"Pension plan contributions":0,"Other employee benefits":108016,"Payroll taxes":30203},"Other expenses":{"value":1068602,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":46571,"Advertising":0,"Office expenses":492817,"Information technology":0,"Royalties":0,"Occupancy":118030,"Travel":19331,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":353077,"provision for loan losses":149189,"share dividends":82752,"interest on deposits":61032,"loan servicing":60104},"All other expenses":38776},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":42788148,"Non-interest bearing cash":2329259,"Savings and temp cash investments":333236,"Pledges and grants receivable":0,"Accounts receivable":24407892,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1339316,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":14378445},"Liabilities":{"value":37266807,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":37266807},"Fund balance":{"value":5521341,"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":0.08722892275540314,"percentile":0.6005340883314356},"Liabilities to Assets Ratio":{"score":0.8709609726506509,"percentile":0.06922929438427616},"Operating Reserve Ratio":{"score":22.997110590845473,"percentile":0.954327168404079},"Officer Compensation Ratio":{"score":0.0678989652733437,"percentile":0.6741071145131223},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.08120323755106307,"percentile":0.7159917924907842},"Asset Growth":{"score":0.014591415320270452,"percentile":0.38111183973879303},"Independent Voting Board Pct":{"score":0.7272727272727273,"percentile":0.1666447951130833},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5293683857133543,"percentile":0.3987446561593382}},"source_xml":"201713189349310816_public.xml"},{"Organization":{"value":null,"Person":["JAMIE FLORES","CODY DEROUEN","EDESKA BARNES","BRIAN EGGEBRECHT","FREDDIE GIBSON","SELITA HOYA","JOSH MOORE","PAM PAGANO","JOSEPH RAMIREZ","CLARA BRYANT"],"Title":["PRESIDENT &","CONTROLLER","VICE CHARIMA","DIRECTOR","CHAIRMAN","DIRECTOR","DIRECTOR","TREASURER","DIRECTOR","SECRETARY"],"Hours":[45.0,45.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[83515,71590,0,0,0,0,0,0,0,0],"Direct compensation":[83515,71590,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To serve all members with the best in friendly, personal service at rates and terms that are competitive; to help them achieve their financial goals.","year":2020,"name":"DOCHES CREDIT UNION","phone":9365697700,"website":"WWW.DOCHESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JAMIE FLORES","year_formation":1951,"state_legal_domicile":"TX","total_volunteers":null,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"920 NW STALLINGS DRIVE, NACOGDOCHES, TX, 75964, USA","city":"NACOGDOCHES","state":"TX","country":"USA","zip_code":75964},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":8,"Number of employees total":23,"Total Gross UBI":89069,"Net unrelated business taxable income":null,"Number of employees":23,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3194893,"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":3194893,"Total revenue":{"value":3157727,"INTEREST ON LOANS":1774754,"FEE INCOME":911320,"INVESTMENT INCOME":292502,"OTHER INCOME":127248,"GAP INSURANCE":51903},"Total other revenue":37166,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2717301,"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":854630,"Current officers":155105,"Disqualified persons":0,"Other salaries and wages":514657,"Pension plan contributions":20380,"Other employee benefits":112302,"Payroll taxes":52186},"Other expenses":{"value":1862671,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":732179,"Information technology":231355,"Royalties":0,"Occupancy":120460,"Travel":26197,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":624106,"SHARE DIVIDENDS":270440,"PROVISION FOR LOAN LOSS":160722,"LOAN SERVICING":108749,"MISCELLANEOUS EXPENSE":84195},"All other expenses":128374},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":60789245,"Non-interest bearing cash":6432014,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":27805728,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1275582,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":25275921},"Liabilities":{"value":53789999,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":53789999},"Fund balance":{"value":6999246,"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":0.14948607042551973,"percentile":0.6979231777746211},"Liabilities to Assets Ratio":{"score":0.8848604551676863,"percentile":0.06710182831803589},"Operating Reserve Ratio":{"score":22.371185599239833,"percentile":0.9527706613578635},"Officer Compensation Ratio":{"score":0.057080536900402275,"percentile":0.7228146655485808},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10492579780147311,"percentile":0.7747741997076586},"Asset Growth":{"score":0.05003608522997021,"percentile":0.5268932303136653},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5678157014916478,"percentile":0.5102433153620433}},"source_xml":"202143099349301479_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["FREDDIE GIBSON","EDESKA BARNES","CLARA BRYANT","PAM PAGANO","SELITA HOYA","JOSH MOORE","DANIEL JOHNSON","SYLVESTER HARRIS","CODY DEROUEN","ANNA MIDDLEBROOK"],"Title":["CHAIRMAN","VICE CHARIMA","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT","VICE PRESIDE"],"Hours":[1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,100333,74631],"Direct compensation":[0,0,0,0,0,0,0,0,88520,65204],"Other compensation":[0,0,0,0,0,0,0,0,11813,9427]},"Basic":{"value":null,"mission":"To serve all members with the best in friendly, personal service at rates and terms that are competitive; to help them achieve their financial goals.","year":2024,"name":"DOCHES CREDIT UNION","phone":9365697700,"website":"WWW.DOCHESCU.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CODY DEROUEN","year_formation":1951,"state_legal_domicile":"TX","total_volunteers":null,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"920 NW STALLINGS DRIVE, NACOGDOCHES, TX, 75964, USA","city":"NACOGDOCHES","state":"TX","country":"USA","zip_code":75964},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":28,"Total Gross UBI":216252,"Net unrelated business taxable income":null,"Number of employees":28,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":5040066,"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":4305642,"Total revenue":{"value":4286442,"INTEREST ON LOANS":2940844,"FEE INCOME":951494,"OTHER INCOME":197052,"GAP INSURANCE":169786,"CREDIT LIFE INSURANCE":27266},"Total other revenue":19200,"Unrelated business revenue":0},"Investment income":{"value":734424,"Investment income total":734424,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":4982889,"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":1332721,"Current officers":153724,"Disqualified persons":0,"Other salaries and wages":908351,"Pension plan contributions":34671,"Other employee benefits":154329,"Payroll taxes":81646},"Other expenses":{"value":3650168,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":154043,"Advertising":27425,"Office expenses":1186568,"Information technology":448822,"Royalties":0,"Occupancy":174317,"Travel":8713,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1647406,"SHARE DIVIDENDS":973160,"PROVISION FOR LOAN LOSS":389698,"LOAN SERVICING":153874,"MISCELLANEOUS EXPENSE":130674},"All other expenses":2874},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":64947244,"Non-interest bearing cash":5141005,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":46054129,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1456246,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":12295864},"Liabilities":{"value":56692076,"Sum of Total Liabilities":0,"Accounts payable, accrued":345579,"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":56346497},"Fund balance":{"value":8255168,"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":0.011344494298288951,"percentile":0.42878411243123915},"Liabilities to Assets Ratio":{"score":0.8728942524489569,"percentile":0.06894354287624563},"Operating Reserve Ratio":{"score":13.034053939391384,"percentile":0.9153756907227371},"Officer Compensation Ratio":{"score":0.035112963583977086,"percentile":0.8327774649373128},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10442855876555962,"percentile":0.7737008066685872},"Asset Growth":{"score":0.05410442390914458,"percentile":0.5422881457384953},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5928100199845336,"percentile":0.584344439215956}},"source_xml":"202513179349303031_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}