{"success":true,"data":{"_id":860189823,"filings":[{"Organization":{"value":null,"Person":["JR MCEVOY","MICHAEL MEDRANO","JOSEPH HARDY","MARLENE LYNCH","CLIFF KINSER","ANTHONY WALKER","JEANNE MAUNEY","MARYBETH GITTINGS"],"Title":["CHAIRMAN","SECRETARY","VICE CHAIRMAN","BOD MEMBER","BOARD MEMBER","CEO","CFO","COO"],"Hours":[1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,203472,143328,112460],"Direct compensation":[0,0,0,0,0,169905,125674,100683],"Other compensation":[0,0,0,0,0,33567,17654,11777]},"Basic":{"value":null,"mission":"Member owned cooperative providing financial solutions to people who live, work, worship or volunteer in pinal county, az.","year":2014,"name":"FIRST AMERICAN CREDIT UNION","phone":5208368848,"website":"WWW.FIRSTAMERICAN.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ANTHONY WALKER","year_formation":1962,"state_legal_domicile":"AZ","total_volunteers":5,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"958 E RODEO ROAD Room 16, CASA GRANDE, AZ, 85122, USA","city":"CASA GRANDE","state":"AZ","country":"USA","zip_code":85122},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":66,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":66,"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":8133903,"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":7787859,"Total revenue":{"value":7787859,"LOAN INCOME":4014520,"MEMBER FEE INCOME":3770354,"OTHER INCOME":2985},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":346044,"Investment income total":339303,"Net investment gain":6741,"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":7615929,"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":2584606,"Current officers":459260,"Disqualified persons":0,"Other salaries and wages":1515129,"Pension plan contributions":40185,"Other employee benefits":392316,"Payroll taxes":177716},"Other expenses":{"value":5031323,"Management services":0,"Legal":14647,"Accounting":12221,"Lobbying services":0,"Investment management fees":0,"Other services":416611,"Advertising":101308,"Office expenses":847669,"Information technology":400187,"Royalties":0,"Occupancy":161554,"Travel":107624,"Conferences and meetings":0,"Interest":742012,"Payments to affiliates":0,"Depreciation and depletion":138080,"Insurance":41654,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1855810,"PROVISION FOR LOAN LOSS":1290352,"FURNITURE/EQUIP RENTAL/MAINTENANCE":158421,"LOAN SERVICING":404399,"STATE/NCUA INSURANCE":2638},"All other expenses":191946},"Functional Expenses":{"value":null,"Program Service Expenses":7615929,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":107509653,"Non-interest bearing cash":3328281,"Savings and temp cash investments":5396303,"Pledges and grants receivable":0,"Accounts receivable":176267,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":69695440,"Inventories for sale or use":0,"Prepaid expenses deferred charges":173664,"Land, building, equipment":1157003,"Investments publicly traded":7349545,"Investments other":18937257,"Investments program related":0,"Intangible assets":0,"Other assets":1295893},"Liabilities":{"value":99797327,"Sum of Total Liabilities":0,"Accounts payable, accrued":1297658,"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":1205798,"Unsecured notes loans payable":0,"Other liabilities":97293871},"Fund balance":{"value":7712326,"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":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.06368086759824895,"percentile":0.5544171526199289},"Liabilities to Assets Ratio":{"score":0.9282638741285864,"percentile":0.06023764693158187},"Operating Reserve Ratio":{"score":14.11642007166821,"percentile":0.9216405204335505},"Officer Compensation Ratio":{"score":0.06030255796764912,"percentile":0.7079056060739998},"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":0.8016574450564159,"percentile":0.9598608746570013}},"source_xml":"201523109349301137_public.xml"},{"Organization":{"value":null,"Person":["JR MCEVOY","CLIFF KINSER","JANICE WEAVER","SYLVIA MEJIA","JOSEPH HARDY","DUANE WALLACE","STEVE HUDSON","ANTHONY WALKER","MARYBETH GITTINGS","PHIL PETERS"],"Title":["CHAIRMAN","VICE-CHAIRMAN","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/CEO","CFO (RESIGNED 3/17)","COO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,229566,35565,105061],"Direct compensation":[0,0,0,0,0,0,0,198890,32468,91410],"Other compensation":[0,0,0,0,0,0,0,30676,3097,13651]},"Basic":{"value":null,"mission":"A non-profit cooperative that provides banking products and service to its membership.","year":2017,"name":"FIRST AMERICAN CREDIT UNION","phone":5208368848,"website":"WWW.FIRSTAMERICAN.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PHIL PETERS","year_formation":1962,"state_legal_domicile":"AZ","total_volunteers":10,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"958 E RODEO ROAD, CASA GRANDE, AZ, 85122, USA","city":"CASA GRANDE","state":"AZ","country":"USA","zip_code":85122},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":7,"Number of employees total":69,"Total Gross UBI":76155,"Net unrelated business taxable income":-36963,"Number of employees":69,"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":7252293,"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":6806527,"Total revenue":{"value":6806527,"LOAN INCOME":3458656,"MEMBER FEE INCOME":3347871},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":445766,"Investment income total":439858,"Net investment gain":5908,"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":8719342,"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":399230,"Benefits paid to members Total":399230},"Salaries":{"value":2678954,"Current officers":370192,"Disqualified persons":0,"Other salaries and wages":1886082,"Pension plan contributions":28881,"Other employee benefits":199951,"Payroll taxes":193848},"Other expenses":{"value":5641158,"Management services":0,"Legal":95695,"Accounting":39574,"Lobbying services":0,"Investment management fees":0,"Other services":145966,"Advertising":148877,"Office expenses":510515,"Information technology":493340,"Royalties":0,"Occupancy":617735,"Travel":31401,"Conferences and meetings":2169,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":312210,"Insurance":44243,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2598119,"PROVISION FOR LOAN LOSS":1601702,"BANK AND CREDIT CARD FE":460768,"LOAN FEES":425803,"LOSS ON DISPOSAL OF ASS":109846},"All other expenses":601314},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":87508382,"Non-interest bearing cash":2236011,"Savings and temp cash investments":8588611,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":59321140,"Inventories for sale or use":0,"Prepaid expenses deferred charges":117376,"Land, building, equipment":1187413,"Investments publicly traded":9597962,"Investments other":4940509,"Investments program related":0,"Intangible assets":0,"Other assets":1519360},"Liabilities":{"value":80955648,"Sum of Total Liabilities":0,"Accounts payable, accrued":1648127,"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":79307521},"Fund balance":{"value":6552734,"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":-0.20228760751944247,"percentile":0.15023990768501466},"Liabilities to Assets Ratio":{"score":0.9251187846211121,"percentile":0.06064814587215047},"Operating Reserve Ratio":{"score":10.036122221149256,"percentile":0.8924829925030198},"Officer Compensation Ratio":{"score":0.04245641471569758,"percentile":0.7947226608229262},"Program Expense Growth":{"score":-0.4847903052166616,"percentile":0.034763894803860496},"Revenue Growth":{"score":-0.029048335911270366,"percentile":0.2697926089302157},"Asset Growth":{"score":-0.029513409409919603,"percentile":0.2146493227734342},"Independent Voting Board Pct":{"score":0.875,"percentile":0.22520058322737488},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.3577959185375826,"percentile":0.06008679735132289}},"source_xml":"201813199349309511_public.xml"},{"Organization":{"value":null,"Person":["PHIL PETERS","FRANK MESQUITA","JR MCEVOY","CLIFF KINSER","JANICE WEAVER","SYLVIA MEJIA","JOSEPH HARDY","DUANE WALLACE","STEVE HUDSON"],"Title":["PRESIDENT/CEO","CFO","CHAIRMAN","VICE-CHAIRMAN","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[117724,85324,0,0,0,0,0,0,0],"Direct compensation":[105000,75000,0,0,0,0,0,0,0],"Other compensation":[12724,10324,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"A non-profit cooperative that provides banking products and service to its membership.","year":2019,"name":"FIRST AMERICAN CREDIT UNION","phone":5208368848,"website":"WWW.FIRSTAMERICAN.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PHIL PETERS","year_formation":1962,"state_legal_domicile":"AZ","total_volunteers":14,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"1001 N PINAL AVENUE, CASA GRANDE, AZ, 85122, USA","city":"CASA GRANDE","state":"AZ","country":"USA","zip_code":85122},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":49,"Total Gross UBI":61550,"Net unrelated business taxable income":0,"Number of employees":49,"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":5415762,"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":4955384,"Total revenue":{"value":4955384,"FEE INCOME":2493321,"LOAN INCOME":2462063},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":460378,"Investment income total":499095,"Net investment gain":-38717,"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":5103425,"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":193642,"Benefits paid to members Total":193642},"Salaries":{"value":1871609,"Current officers":203048,"Disqualified persons":0,"Other salaries and wages":1313919,"Pension plan contributions":79463,"Other employee benefits":143713,"Payroll taxes":131466},"Other expenses":{"value":3038174,"Management services":0,"Legal":107071,"Accounting":32217,"Lobbying services":0,"Investment management fees":0,"Other services":70358,"Advertising":31162,"Office expenses":262140,"Information technology":310891,"Royalties":0,"Occupancy":294952,"Travel":4475,"Conferences and meetings":888,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":189223,"Insurance":43252,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1585411,"BANK AND CREDIT CARD FE":625147,"PROVISION FOR LOAN LOSS":577614,"LOAN FEES":194619,"INTERCHANGE TERMINAL":188031},"All other expenses":106134},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":81361882,"Non-interest bearing cash":3932814,"Savings and temp cash investments":24205788,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":41288253,"Inventories for sale or use":0,"Prepaid expenses deferred charges":105129,"Land, building, equipment":1063409,"Investments publicly traded":6174450,"Investments other":3696509,"Investments program related":0,"Intangible assets":0,"Other assets":895530},"Liabilities":{"value":75558007,"Sum of Total Liabilities":0,"Accounts payable, accrued":511318,"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":75046689},"Fund balance":{"value":5803875,"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":0.05767184747040213,"percentile":0.5417582849825717},"Liabilities to Assets Ratio":{"score":0.9286659199943286,"percentile":0.060182749867673496},"Operating Reserve Ratio":{"score":15.942603643631482,"percentile":0.9306020561979476},"Officer Compensation Ratio":{"score":0.039786613891651196,"percentile":0.8084835171060787},"Program Expense Growth":{"score":-0.4923951526083308,"percentile":0.03397769153582559},"Revenue Growth":{"score":-0.056602522011992486,"percentile":0.2068935686287026},"Asset Growth":{"score":-0.05293049240263918,"percentile":0.1599965459496634},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.47693481469227483,"percentile":0.2674645122183641}},"source_xml":"202043169349303374_public.xml"},{"Organization":{"value":null,"Person":["PHIL PETERS","FRANK MESQUITA","JR MCEVOY","CLIFF KINSER","SYLVIA MEJIA","STEVE HUDSON","JOSEPH HARDY","DUANE WALLACE"],"Title":["PRESIDENT & CEO/DIRECTOR","CFO (THRU 8/31/23)","CHAIR","VICE-CHAIR","TREASURER","SECRETARY","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[142248,74378,0,0,0,0,0,0],"Direct compensation":[129345,63940,0,0,0,0,0,0],"Other compensation":[12903,10438,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"A non-profit cooperative that provides banking products and service to its membership.","year":2023,"name":"FIRST AMERICAN CREDIT UNION","phone":5208368848,"website":"WWW.FIRSTAMERICAN.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PHIL PETERS","year_formation":1962,"state_legal_domicile":"AZ","total_volunteers":8,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"1001 N PINAL AVENUE, CASA GRANDE, AZ, 85122, USA","city":"CASA GRANDE","state":"AZ","country":"USA","zip_code":85122},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":37,"Total Gross UBI":58295,"Net unrelated business taxable income":1236,"Number of employees":37,"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":7319811,"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":6112397,"Total revenue":{"value":6112397,"LOAN INCOME":3517310,"FEE INCOME":2595087},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1207414,"Investment income total":1206057,"Net investment gain":1357,"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":5420023,"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":381638,"Benefits paid to members Total":381638},"Salaries":{"value":2194610,"Current officers":216626,"Disqualified persons":0,"Other salaries and wages":1544313,"Pension plan contributions":146260,"Other employee benefits":154179,"Payroll taxes":133232},"Other expenses":{"value":2843775,"Management services":0,"Legal":19178,"Accounting":26165,"Lobbying services":0,"Investment management fees":0,"Other services":133257,"Advertising":5487,"Office expenses":321749,"Information technology":353891,"Royalties":0,"Occupancy":394414,"Travel":5805,"Conferences and meetings":787,"Interest":196,"Payments to affiliates":0,"Depreciation and depletion":68467,"Insurance":48808,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1370635,"BANK AND CREDIT CARD FE":760981,"PROVISION FOR LOAN LOSS":329232,"OTHER EXPENSES":168177,"LOAN FEES":112245},"All other expenses":94936},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":117540744,"Non-interest bearing cash":14965227,"Savings and temp cash investments":18136576,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":73084615,"Inventories for sale or use":0,"Prepaid expenses deferred charges":421818,"Land, building, equipment":919308,"Investments publicly traded":5430969,"Investments other":3154643,"Investments program related":0,"Intangible assets":0,"Other assets":1427588},"Liabilities":{"value":108260181,"Sum of Total Liabilities":0,"Accounts payable, accrued":2134507,"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":1383000,"Unsecured notes loans payable":0,"Other liabilities":104742674},"Fund balance":{"value":9280563,"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":0.2595405810341278,"percentile":0.8080341102403479},"Liabilities to Assets Ratio":{"score":0.9210438637346042,"percentile":0.06123419251335146},"Operating Reserve Ratio":{"score":21.686392105716155,"percentile":0.950937087165405},"Officer Compensation Ratio":{"score":0.0399677270742209,"percentile":0.8075462980825349},"Program Expense Growth":{"score":-0.3665914695737585,"percentile":0.0509399734875977},"Revenue Growth":{"score":-0.02669337731619772,"percentile":0.27638190954773867},"Asset Growth":{"score":0.0027420073975536296,"percentile":0.3315120133384658},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4796435316196083,"percentile":0.27349325041701805}},"source_xml":"202402969349301465_public.xml"},{"Organization":{"value":null,"Person":["PHIL PETERS","JR MCEVOY","CLIFF KINSER","SYLVIA MEJIA","STEVE HUDSON","JOSEPH HARDY","DUANE WALLACE"],"Title":["PRESIDENT & CEO/DIRECTOR","CHAIR","VICE-CHAIR","TREASURER","SECRETARY (TERM 04/24)","DIRECTOR","DIRECTOR"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[176598,0,0,0,0,0,0],"Direct compensation":[159637,0,0,0,0,0,0],"Other compensation":[16961,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"A non-profit cooperative that provides banking products and service to its membership.","year":2024,"name":"FIRST AMERICAN CREDIT UNION","phone":5208368848,"website":"WWW.FIRSTAMERICAN.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PHIL PETERS","year_formation":1962,"state_legal_domicile":"AZ","total_volunteers":7,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"1001 N PINAL AVENUE, CASA GRANDE, AZ, 85122, USA","city":"CASA GRANDE","state":"AZ","country":"USA","zip_code":85122},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":5,"Number of employees total":34,"Total Gross UBI":61277,"Net unrelated business taxable income":573,"Number of employees":34,"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":8276415,"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":6516157,"Total revenue":{"value":6516157,"LOAN INCOME":3923744,"FEE INCOME":2592413},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1760258,"Investment income total":1760258,"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":6431305,"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":712483,"Benefits paid to members Total":712483},"Salaries":{"value":2422027,"Current officers":176598,"Disqualified persons":0,"Other salaries and wages":1735315,"Pension plan contributions":199533,"Other employee benefits":166525,"Payroll taxes":144056},"Other expenses":{"value":3296795,"Management services":0,"Legal":40851,"Accounting":16080,"Lobbying services":0,"Investment management fees":0,"Other services":104629,"Advertising":5789,"Office expenses":306099,"Information technology":349951,"Royalties":0,"Occupancy":370993,"Travel":8416,"Conferences and meetings":827,"Interest":4742,"Payments to affiliates":0,"Depreciation and depletion":77934,"Insurance":53716,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1857349,"BANK AND CREDIT CARD FE":782447,"PROVISION FOR LOAN LOSS":768278,"OTHER EXPENSES":193087,"LOAN FEES":113537},"All other expenses":99419},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":113578840,"Non-interest bearing cash":17967071,"Savings and temp cash investments":19811938,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":64898780,"Inventories for sale or use":0,"Prepaid expenses deferred charges":141754,"Land, building, equipment":862936,"Investments publicly traded":4992675,"Investments other":2719389,"Investments program related":0,"Intangible assets":0,"Other assets":2184297},"Liabilities":{"value":102375469,"Sum of Total Liabilities":0,"Accounts payable, accrued":1624286,"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":1383000,"Unsecured notes loans payable":0,"Other liabilities":99368183},"Fund balance":{"value":11203371,"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":0.22293589676206424,"percentile":0.7781187642395192},"Liabilities to Assets Ratio":{"score":0.9013604030469056,"percentile":0.06444608043157286},"Operating Reserve Ratio":{"score":17.660309999292522,"percentile":0.9377878158762506},"Officer Compensation Ratio":{"score":0.02745912377037009,"percentile":0.8732937510103553},"Program Expense Growth":{"score":-0.34266972888012825,"percentile":0.05477201819021577},"Revenue Growth":{"score":-0.008625689203246887,"percentile":0.3350736074937056},"Asset Growth":{"score":0.007950127679262191,"percentile":0.3531497322410086},"Independent Voting Board Pct":{"score":0.8333333333333334,"percentile":0.20587825144360158},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.483752885605815,"percentile":0.2831197130299819}},"source_xml":"202543189349314714_public.xml"},{"Organization":{"value":null,"Person":["JOHN R MCEVOY","ANTHONY T WALKER","CLIFF KINSER","SYLVIA MEJIA","NATHAN STUELAND","MARYBETH GITTINGS"],"Title":["CHAIRPERSON","BOD MEMBER/PRESIDENT-CEO","BOD SECRETARY","BOD TREASURER","BOD MEMBER","EVP/CLO"],"Hours":[1.0,40.0,1.0,1.0,1.0,40.0],"Total Compensation":[0,231578,0,0,0,125200],"Direct compensation":[0,192829,0,0,0,110796],"Other compensation":[0,38749,0,0,0,14404]},"Basic":{"value":null,"mission":"Member owned cooperative providing financial solutions to people who live, work, worship or volunteer in pinal county, az.","year":2015,"name":"FIRST AMERICAN CREDIT UNION","phone":5208368848,"website":"WWW.FIRSTAMERICAN.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ANTHONY WALKER","year_formation":1962,"state_legal_domicile":"AZ","total_volunteers":6,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"958 E RODEO ROAD NO 16, CASA GRANDE, AZ, 85122, USA","city":"CASA GRANDE","state":"AZ","country":"USA","zip_code":85122},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":80,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":80,"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":8247867,"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":7881750,"Total revenue":{"value":7881750,"LOAN INCOME":4264288,"MEMBER FEE INCOME":3617462},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":366117,"Investment income total":366117,"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":7511108,"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":2800016,"Current officers":356778,"Disqualified persons":0,"Other salaries and wages":1760391,"Pension plan contributions":201697,"Other employee benefits":311064,"Payroll taxes":170086},"Other expenses":{"value":4711092,"Management services":0,"Legal":18370,"Accounting":3400,"Lobbying services":0,"Investment management fees":0,"Other services":465261,"Advertising":12940,"Office expenses":449170,"Information technology":528670,"Royalties":0,"Occupancy":279511,"Travel":32462,"Conferences and meetings":32535,"Interest":713629,"Payments to affiliates":40979,"Depreciation and depletion":226833,"Insurance":42971,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1682214,"PROVISION FOR LOAN LOSS":772713,"ATM/DEBIT CARD SERVICES":383560,"LOAN SERVICING":367674,"MISCELLANEOUS":158267},"All other expenses":182147},"Functional Expenses":{"value":null,"Program Service Expenses":7511108,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":111004171,"Non-interest bearing cash":4649682,"Savings and temp cash investments":14655232,"Pledges and grants receivable":0,"Accounts receivable":277852,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":65167927,"Inventories for sale or use":0,"Prepaid expenses deferred charges":142757,"Land, building, equipment":2174325,"Investments publicly traded":11997492,"Investments other":11004342,"Investments program related":0,"Intangible assets":0,"Other assets":934562},"Liabilities":{"value":102629402,"Sum of Total Liabilities":0,"Accounts payable, accrued":1162169,"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":101467233},"Fund balance":{"value":8374769,"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":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.08932721635787774,"percentile":0.6043366602950794},"Liabilities to Assets Ratio":{"score":0.9245544656155308,"percentile":0.060726599511989686},"Operating Reserve Ratio":{"score":14.778667940868377,"percentile":0.9251037587159443},"Officer Compensation Ratio":{"score":0.04750004926037543,"percentile":0.7691672034878808},"Program Expense Growth":{"score":0.04562908435001518,"percentile":0.5146229523368018},"Revenue Growth":{"score":0.06592382135633677,"percentile":0.6675597610314652},"Asset Growth":{"score":0.045703375822265774,"percentile":0.5100157647118854},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7535855201163301,"percentile":0.9207494705905528}},"source_xml":"201623209349311677_public.xml"},{"Organization":{"value":null,"Person":["PHIL PETERS","FRANK MESQUITA","JR MCEVOY","CLIFF KINSER","SYLVIA MEJIA","JANICE WEAVER","STEVE HUDSON","JOSEPH HARDY","DUANE WALLACE"],"Title":["PRESIDENT & CEO/DIRECTOR","CHIEF FINANCIAL OFFICER","CHAIR","VICE-CHAIR","TREASURER","SECRETARY (THRU 06/22)","SECRETARY","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[101009,87223,0,0,0,0,0,0,0],"Direct compensation":[93376,80859,0,0,0,0,0,0,0],"Other compensation":[7633,6364,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"A non-profit cooperative that provides banking products and service to its membership.","year":2022,"name":"FIRST AMERICAN CREDIT UNION","phone":5208368848,"website":"WWW.FIRSTAMERICAN.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PHIL PETERS","year_formation":1962,"state_legal_domicile":"AZ","total_volunteers":8,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"1001 N PINAL AVENUE, CASA GRANDE, AZ, 85122, USA","city":"CASA GRANDE","state":"AZ","country":"USA","zip_code":85122},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":41,"Total Gross UBI":64915,"Net unrelated business taxable income":2143,"Number of employees":41,"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":6042768,"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":5336077,"Total revenue":{"value":5336077,"FEE INCOME":3141279,"LOAN INCOME":2194798},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":706691,"Investment income total":716943,"Net investment gain":-10252,"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":4569879,"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":93454,"Benefits paid to members Total":93454},"Salaries":{"value":1933923,"Current officers":188232,"Disqualified persons":0,"Other salaries and wages":1395617,"Pension plan contributions":89277,"Other employee benefits":140253,"Payroll taxes":120544},"Other expenses":{"value":2542502,"Management services":0,"Legal":22206,"Accounting":57792,"Lobbying services":0,"Investment management fees":0,"Other services":133299,"Advertising":10539,"Office expenses":272073,"Information technology":265998,"Royalties":0,"Occupancy":342537,"Travel":8668,"Conferences and meetings":0,"Interest":427,"Payments to affiliates":0,"Depreciation and depletion":88318,"Insurance":49872,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1221327,"BANK AND CREDIT CARD FE":676546,"PROVISION FOR LOAN LOSS":367699,"LOAN FEES":90112,"INTERCHANGE TERMINAL":86970},"All other expenses":69446},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":109153033,"Non-interest bearing cash":15443719,"Savings and temp cash investments":7691420,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":69651114,"Inventories for sale or use":0,"Prepaid expenses deferred charges":400033,"Land, building, equipment":875029,"Investments publicly traded":5850123,"Investments other":7841756,"Investments program related":0,"Intangible assets":0,"Other assets":1399839},"Liabilities":{"value":101748055,"Sum of Total Liabilities":0,"Accounts payable, accrued":1881069,"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":1383000,"Unsecured notes loans payable":0,"Other liabilities":98483986},"Fund balance":{"value":7404978,"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":0.24374409211142972,"percentile":0.7958753772154241},"Liabilities to Assets Ratio":{"score":0.9321596679773433,"percentile":0.059741729798290164},"Operating Reserve Ratio":{"score":23.885322346609176,"percentile":0.9564285135438545},"Officer Compensation Ratio":{"score":0.04118971202519804,"percentile":0.801191865192838},"Program Expense Growth":{"score":-0.4024774668469341,"percentile":0.0447308956890354},"Revenue Growth":{"score":-0.048916401475587096,"percentile":0.22216520229987197},"Asset Growth":{"score":-0.01194291174931356,"percentile":0.2734825658771788},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.46875319812204846,"percentile":0.24976426805706683}},"source_xml":"202323179349302697_public.xml"},{"Organization":{"value":null,"Person":["PHIL PETERS","FRANK MESQUITA","JR MCEVOY","CLIFF KINSER","JANICE WEAVER","SYLVIA MEJIA","JOSEPH HARDY","DUANE WALLACE","STEVE HUDSON"],"Title":["PRESIDENT/CEO","CFO","CHAIRMAN","VICE-CHAIRMAN","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[96060,85184,0,0,0,0,0,0,0],"Direct compensation":[87187,77183,0,0,0,0,0,0,0],"Other compensation":[8873,8001,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"A non-profit cooperative that provides banking products and service to its membership.","year":2020,"name":"FIRST AMERICAN CREDIT UNION","phone":5208368848,"website":"WWW.FIRSTAMERICAN.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PHIL PETERS","year_formation":1962,"state_legal_domicile":"AZ","total_volunteers":14,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"1001 N PINAL AVENUE, CASA GRANDE, AZ, 85122, USA","city":"CASA GRANDE","state":"AZ","country":"USA","zip_code":85122},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":44,"Total Gross UBI":66198,"Net unrelated business taxable income":0,"Number of employees":44,"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":4437781,"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":4150869,"Total revenue":{"value":4150869,"FEE INCOME":2133059,"LOAN INCOME":2017810},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":286912,"Investment income total":287358,"Net investment gain":-446,"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":4018886,"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":198318,"Benefits paid to members Total":198318},"Salaries":{"value":1920640,"Current officers":181244,"Disqualified persons":0,"Other salaries and wages":1384108,"Pension plan contributions":80108,"Other employee benefits":141988,"Payroll taxes":133192},"Other expenses":{"value":1899928,"Management services":0,"Legal":58808,"Accounting":48299,"Lobbying services":0,"Investment management fees":0,"Other services":65223,"Advertising":21457,"Office expenses":256821,"Information technology":290473,"Royalties":0,"Occupancy":305469,"Travel":2101,"Conferences and meetings":599,"Interest":4,"Payments to affiliates":0,"Depreciation and depletion":156808,"Insurance":43840,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":959132,"BANK AND CREDIT CARD FE":653327,"OTHER EXPENSES":112603,"INTERCHANGE TERMINAL":100887,"LOAN FEES":92315},"All other expenses":-309106},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":95034394,"Non-interest bearing cash":17167348,"Savings and temp cash investments":29196728,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":24749,"Receivables from disqual persons":0,"Other net note and loans":37295764,"Inventories for sale or use":0,"Prepaid expenses deferred charges":100347,"Land, building, equipment":918447,"Investments publicly traded":3068451,"Investments other":6435509,"Investments program related":0,"Intangible assets":0,"Other assets":827051},"Liabilities":{"value":88705812,"Sum of Total Liabilities":0,"Accounts payable, accrued":1191780,"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":87514032},"Fund balance":{"value":6328582,"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":0.094392895909014,"percentile":0.613445468921036},"Liabilities to Assets Ratio":{"score":0.933407456673002,"percentile":0.0595885096348444},"Operating Reserve Ratio":{"score":23.646949428274404,"percentile":0.9558834733590137},"Officer Compensation Ratio":{"score":0.0450980694650209,"percentile":0.781174253875491},"Program Expense Growth":{"score":-0.4703963067492044,"percentile":0.03648711526382582},"Revenue Growth":{"score":-0.0703127587680655,"percentile":0.18316553518049886},"Asset Growth":{"score":-0.03610049544659398,"percentile":0.1958236269939641},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4888970669420647,"percentile":0.29499280355124796}},"source_xml":"202113139349303381_public.xml"},{"Organization":{"value":null,"Person":["JR MCEVOY","MICHAEL MEDRANO","JOSEPH HARDY","MARLENE LYNCH","ANTHONY WALKER","JEANNE MAUNEY","MARYBETH GITTINGS"],"Title":["CHAIRMAN","SECRETARY","VICE CHAIRMAN","BOD MEMBER","CEO","CFO","COO"],"Hours":[1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,184545,115000,104999],"Direct compensation":[0,0,0,0,153935,110000,90000],"Other compensation":[0,0,0,0,30610,5000,14999]},"Basic":{"value":null,"mission":"Member owned cooperative providing financial solutions to people who live, work, worship or volunteer in pinal county, az.","year":2013,"name":"FIRST AMERICAN CREDIT UNION","phone":5208368848,"website":"WWW.FIRSTAMERICAN.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ANTHONY WALKER","year_formation":1962,"state_legal_domicile":"AZ","total_volunteers":7,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"1001 N PINAL AVENUE, CASA GRANDE, AZ, 85122, USA","city":"CASA GRANDE","state":"AZ","country":"USA","zip_code":85122},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":42,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":42,"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":7210984,"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":6919604,"Total revenue":{"value":6919604,"LOAN INCOME":3411975,"MEMBER FEE INCOME":2650892,"OTHER INCOME":856737},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":291380,"Investment income total":291380,"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":6842799,"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":2182701,"Current officers":404544,"Disqualified persons":0,"Other salaries and wages":1141130,"Pension plan contributions":136118,"Other employee benefits":340575,"Payroll taxes":160334},"Other expenses":{"value":4660098,"Management services":0,"Legal":30273,"Accounting":1556,"Lobbying services":0,"Investment management fees":0,"Other services":163205,"Advertising":53843,"Office expenses":949918,"Information technology":416961,"Royalties":0,"Occupancy":196245,"Travel":43358,"Conferences and meetings":163,"Interest":710034,"Payments to affiliates":24164,"Depreciation and depletion":138503,"Insurance":33642,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1572986,"PROVISION FOR LOAN LOSS":1327692,"FURNITURE/EQUIP RENTAL/MAINTENANCE":105131,"MISCELLANEOUS EXPENSES":66714,"STATE/NCUA INSURANCE":73449},"All other expenses":325247},"Functional Expenses":{"value":null,"Program Service Expenses":6842799,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":101260979,"Non-interest bearing cash":7970961,"Savings and temp cash investments":27428040,"Pledges and grants receivable":0,"Accounts receivable":226644,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":62542511,"Inventories for sale or use":0,"Prepaid expenses deferred charges":481992,"Land, building, equipment":1112571,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1498260},"Liabilities":{"value":93835530,"Sum of Total Liabilities":0,"Accounts payable, accrued":1223575,"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":92611955},"Fund balance":{"value":7425449,"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":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.05105891234816219,"percentile":0.5273407940482758},"Liabilities to Assets Ratio":{"score":0.9266701835857226,"percentile":0.060444535120191795},"Operating Reserve Ratio":{"score":14.798181124419992,"percentile":0.9252025813523503},"Officer Compensation Ratio":{"score":0.05911966725896815,"percentile":0.7134107300101048},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7127623506748015,"percentile":0.8689822359607254}},"source_xml":"201432949349300733_public.xml"},{"Organization":{"value":null,"Person":["JR MCEVOY","CLIFF KINSER","JANICE WEAVER","SYLVIA MEJIA","JOSEPH HARDY","DUANE WALLACE","STEVE HUDSON","ANTHONY WALKER","PHIL PETERS","SARAH HORTEN","FRANK MESQUITA"],"Title":["CHAIRMAN","VICE-CHAIRMAN","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/CEO (RESIGNED 3/13/18)","PRESIDENT/CEO","CLO (RESIGNED 3/2/18)","CFO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,147273,118396,31612,84582],"Direct compensation":[0,0,0,0,0,0,0,139460,105000,27256,73967],"Other compensation":[0,0,0,0,0,0,0,7813,13396,4356,10615]},"Basic":{"value":null,"mission":"A non-profit cooperative that provides banking products and service to its membership.","year":2018,"name":"FIRST AMERICAN CREDIT UNION","phone":5208368848,"website":"WWW.FIRSTAMERICAN.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PHIL PETERS","year_formation":1962,"state_legal_domicile":"AZ","total_volunteers":9,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"1001 N PINAL AVENUE, CASA GRANDE, AZ, 85122, USA","city":"CASA GRANDE","state":"AZ","country":"USA","zip_code":85122},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":57,"Total Gross UBI":65691,"Net unrelated business taxable income":0,"Number of employees":57,"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":5883857,"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":5636004,"Total revenue":{"value":5636004,"LOAN INCOME":3019920,"FEE INCOME":2616084},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":247853,"Investment income total":338237,"Net investment gain":-90384,"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":7106049,"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":269568,"Benefits paid to members Total":269568},"Salaries":{"value":2094138,"Current officers":381862,"Disqualified persons":0,"Other salaries and wages":1308508,"Pension plan contributions":54190,"Other employee benefits":208442,"Payroll taxes":141136},"Other expenses":{"value":4742343,"Management services":0,"Legal":108424,"Accounting":32657,"Lobbying services":0,"Investment management fees":0,"Other services":151009,"Advertising":52991,"Office expenses":333956,"Information technology":330562,"Royalties":0,"Occupancy":569106,"Travel":10241,"Conferences and meetings":949,"Interest":9398,"Payments to affiliates":0,"Depreciation and depletion":282920,"Insurance":45759,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2440550,"PROVISION FOR LOAN LOSS":1339066,"INTERCHANGE TERMINAL":372450,"LOAN FEES":368739,"BANK AND CREDIT CARD FE":360295},"All other expenses":373821},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":78024900,"Non-interest bearing cash":2515620,"Savings and temp cash investments":8302299,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":52428175,"Inventories for sale or use":0,"Prepaid expenses deferred charges":58967,"Land, building, equipment":1228925,"Investments publicly traded":8301200,"Investments other":3945509,"Investments program related":0,"Intangible assets":0,"Other assets":1244205},"Liabilities":{"value":72800789,"Sum of Total Liabilities":0,"Accounts payable, accrued":626930,"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":72173859},"Fund balance":{"value":5224111,"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":-0.20771952819383613,"percentile":0.14758638174618718},"Liabilities to Assets Ratio":{"score":0.9330455918559332,"percentile":0.059633164709217625},"Operating Reserve Ratio":{"score":10.980067826720587,"percentile":0.9007861148739384},"Officer Compensation Ratio":{"score":0.053737738087648985,"percentile":0.7386834099534711},"Program Expense Growth":{"score":-0.503856209291425,"percentile":0.031836305195968126},"Revenue Growth":{"score":-0.046682480389481924,"percentile":0.22690588157232763},"Asset Growth":{"score":-0.05298873102652085,"percentile":0.15988524254190067},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4072094969855023,"percentile":0.13317099910146882}},"source_xml":"201943199349320274_public.xml"},{"Organization":{"value":null,"Person":["JR MCEVOY","CLIFF KINSER","JANICE WEAVER","SYLVIA MEJIA","JOSEPH HARDY","DUANE WALLACE","STEVE HUDSON","ANTHONY WALKER","MARYBETH GITTINGS","PHIL PETERS"],"Title":["CHAIRMAN","VICE-CHAIRMAN","SECRETARY","TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT/CEO","CFO","COO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,206555,130102,97722],"Direct compensation":[0,0,0,0,0,0,0,170156,113763,83032],"Other compensation":[0,0,0,0,0,0,0,36399,16339,14690]},"Basic":{"value":null,"mission":"A cooperative, organized for the pupose of promoting thrift and savings among its members.","year":2016,"name":"FIRST AMERICAN CREDIT UNION","phone":5208368848,"website":"WWW.FIRSTAMERICAN.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ANTHONY T WALKER","year_formation":1962,"state_legal_domicile":"AZ","total_volunteers":10,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"958 E RODEO ROAD, CASA GRANDE, AZ, 85122, USA","city":"CASA GRANDE","state":"AZ","country":"USA","zip_code":85122},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":74,"Total Gross UBI":70776,"Net unrelated business taxable income":-228,"Number of employees":74,"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":5915613,"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":5581286,"Total revenue":{"value":5581286,"LOAN INCOME":2793728,"MEMBER FEE INCOME":2716782,"UNRELATED BUSINESS INC":70776},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":334327,"Investment income total":290112,"Net investment gain":44215,"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":6072244,"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":2027551,"Current officers":434379,"Disqualified persons":0,"Other salaries and wages":1162145,"Pension plan contributions":149988,"Other employee benefits":143523,"Payroll taxes":137516},"Other expenses":{"value":4044693,"Management services":0,"Legal":50106,"Accounting":21489,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":26277,"Office expenses":196131,"Information technology":0,"Royalties":0,"Occupancy":378140,"Travel":20848,"Conferences and meetings":1784,"Interest":435351,"Payments to affiliates":0,"Depreciation and depletion":230309,"Insurance":23164,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2454302,"PROVISION FOR LOAN LOSS":1064131,"OPERATIONS":662941,"OTHER EXPENSES":375888,"BANK AND CREDIT CARD FE":351342},"All other expenses":206792},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":104788863,"Non-interest bearing cash":2027661,"Savings and temp cash investments":10422689,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":84,"Receivables from disqual persons":24838,"Other net note and loans":65750778,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1808827,"Investments publicly traded":0,"Investments other":23376089,"Investments program related":0,"Intangible assets":0,"Other assets":1377897},"Liabilities":{"value":96748998,"Sum of Total Liabilities":0,"Accounts payable, accrued":1213140,"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":95535858},"Fund balance":{"value":8039865,"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":-0.026477560313698682,"percentile":0.3256620210941046},"Liabilities to Assets Ratio":{"score":0.9232755774819315,"percentile":0.06090665368801753},"Operating Reserve Ratio":{"score":17.257024421284783,"percentile":0.9361834131964394},"Officer Compensation Ratio":{"score":0.071535168876613,"percentile":0.658548985688729},"Program Expense Growth":{"score":-0.3756644883466586,"percentile":0.04946396789719974},"Revenue Growth":{"score":-0.05113328026589883,"percentile":0.21754798842392922},"Asset Growth":{"score":0.013263659731070817,"percentile":0.37547713976596003},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4475782678004687,"percentile":0.2064655847362092}},"source_xml":"201723199349309357_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["PHIL PETERS","JR MCEVOY","CLIFF KINSER","SYLVIA MEJIA","STEVE HUDSON","JOSEPH HARDY","DUANE WALLACE"],"Title":["PRESIDENT & CEO/DIRECTOR","CHAIR","VICE-CHAIR","TREASURER","SECRETARY (TERM 04/24)","DIRECTOR","DIRECTOR"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[176598,0,0,0,0,0,0],"Direct compensation":[159637,0,0,0,0,0,0],"Other compensation":[16961,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"A non-profit cooperative that provides banking products and service to its membership.","year":2024,"name":"FIRST AMERICAN CREDIT UNION","phone":5208368848,"website":"WWW.FIRSTAMERICAN.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PHIL PETERS","year_formation":1962,"state_legal_domicile":"AZ","total_volunteers":7,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"1001 N PINAL AVENUE, CASA GRANDE, AZ, 85122, USA","city":"CASA GRANDE","state":"AZ","country":"USA","zip_code":85122},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":5,"Number of employees total":34,"Total Gross UBI":61277,"Net unrelated business taxable income":573,"Number of employees":34,"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":8276415,"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":6516157,"Total revenue":{"value":6516157,"LOAN INCOME":3923744,"FEE INCOME":2592413},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1760258,"Investment income total":1760258,"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":6431305,"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":712483,"Benefits paid to members Total":712483},"Salaries":{"value":2422027,"Current officers":176598,"Disqualified persons":0,"Other salaries and wages":1735315,"Pension plan contributions":199533,"Other employee benefits":166525,"Payroll taxes":144056},"Other expenses":{"value":3296795,"Management services":0,"Legal":40851,"Accounting":16080,"Lobbying services":0,"Investment management fees":0,"Other services":104629,"Advertising":5789,"Office expenses":306099,"Information technology":349951,"Royalties":0,"Occupancy":370993,"Travel":8416,"Conferences and meetings":827,"Interest":4742,"Payments to affiliates":0,"Depreciation and depletion":77934,"Insurance":53716,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1857349,"BANK AND CREDIT CARD FE":782447,"PROVISION FOR LOAN LOSS":768278,"OTHER EXPENSES":193087,"LOAN FEES":113537},"All other expenses":99419},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":113578840,"Non-interest bearing cash":17967071,"Savings and temp cash investments":19811938,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":64898780,"Inventories for sale or use":0,"Prepaid expenses deferred charges":141754,"Land, building, equipment":862936,"Investments publicly traded":4992675,"Investments other":2719389,"Investments program related":0,"Intangible assets":0,"Other assets":2184297},"Liabilities":{"value":102375469,"Sum of Total Liabilities":0,"Accounts payable, accrued":1624286,"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":1383000,"Unsecured notes loans payable":0,"Other liabilities":99368183},"Fund balance":{"value":11203371,"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":0.22293589676206424,"percentile":0.7781187642395192},"Liabilities to Assets Ratio":{"score":0.9013604030469056,"percentile":0.06444608043157286},"Operating Reserve Ratio":{"score":17.660309999292522,"percentile":0.9377878158762506},"Officer Compensation Ratio":{"score":0.02745912377037009,"percentile":0.8732937510103553},"Program Expense Growth":{"score":-0.34266972888012825,"percentile":0.05477201819021577},"Revenue Growth":{"score":-0.008625689203246887,"percentile":0.3350736074937056},"Asset Growth":{"score":0.007950127679262191,"percentile":0.3531497322410086},"Independent Voting Board Pct":{"score":0.8333333333333334,"percentile":0.20587825144360158},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.483752885605815,"percentile":0.2831197130299819}},"source_xml":"202543189349314714_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}