{"success":true,"data":{"_id":941366983,"filings":[{"Organization":{"value":null,"Person":["David Baker","Susan Chambers","Ron Kinchloe","M Stephen Jones","John Pedrozo","Barbara Jamison","Marie McDonagh","Don Cline","Joe Sapien","John Price","Kent Christensen","David W Ness","Donna Winchester","Jennifer Toste","Shay Lopez","Michael E Malone"],"Title":["Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Supervisory Com","Board Member","Supervisory Com","CFO,EVP Finance","VP HR&Training","AVP Operations","AVP Lending","CEO,President"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,116218,61765,53822,56757,140699],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,116218,61765,53822,56757,140699],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Non-profit, state-chartered, natural person credit union. provide competitive financial services to the members of merco credit union.","year":2014,"name":"MERCO Credit Union","phone":2097234285,"website":"http://www.merco.org/","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"David W Ness","year_formation":1966,"state_legal_domicile":"CA","total_volunteers":12,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"1911 M Street, Merced, CA, 95340, USA","city":"Merced","state":"CA","country":"USA","zip_code":95340},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":41,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":41,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":4269082,"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":2434217,"Total revenue":2434217,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":604736,"Investment income total":604736,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1230129,"Other total":1230129,"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":3429771,"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":135960,"Benefits paid to members Total":135960},"Salaries":{"value":1629120,"Current officers":429261,"Disqualified persons":0,"Other salaries and wages":1199859,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":1664691,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":926063,"Advertising":77595,"Office expenses":351755,"Information technology":0,"Royalties":0,"Occupancy":218684,"Travel":22887,"Conferences and meetings":0,"Interest":24,"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":67683,"Misc Operating Expense":38509,"Provision for Loan Losses":13764,"Operating Fees":10410,"Loss on Disposition of Assets":5000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":91794930,"Non-interest bearing cash":1264477,"Savings and temp cash investments":4730847,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":36864962,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":906498,"Investments publicly traded":46626455,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1401691},"Liabilities":{"value":83595395,"Sum of Total Liabilities":0,"Accounts payable, accrued":520717,"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":83074678},"Fund balance":{"value":8199535,"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":0.1966022203368312,"percentile":0.7528843847335438},"Liabilities to Assets Ratio":{"score":0.9106755133426214,"percentile":0.06288683994474242},"Operating Reserve Ratio":{"score":26.76415714052046,"percentile":0.9622248956653239},"Officer Compensation Ratio":{"score":0.12515733557721492,"percentile":0.4752657692350896},"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":0.6239054109373193,"percentile":0.6735354071878095}},"source_xml":"201501849349300600_public.xml"},{"Organization":{"value":null,"Person":["David W Ness","David Bren Horrocks","Donna Maher","Jennifer Toste","Shay Lopez","Jim Murphy","Ron Kinchloe","M Stephen Jones","John Pedrozo","Barbara Jamison","Olivia Webster","Joe Sapien","Hubert Walsh","Michael Rhodes","John Price","Kent Christensen"],"Title":["President & CEO","VP Finance/CFO","VP HR &Training","VP Branch Op","VP Chief Lendin","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member"],"Hours":[40.0,40.0,40.0,40.0,40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[249137,161464,140777,139008,124357,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[221018,146806,127999,126392,124357,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[28119,14658,12778,12616,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Non-profit, state-chartered, natural person credit union. provide competitive financial services to the members of merco credit union.","year":2024,"name":"MERCO Credit Union","phone":2097234285,"website":"http://www.merco.org/","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"David W Ness","year_formation":1966,"state_legal_domicile":"CA","total_volunteers":12,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"1911 M Street, Merced, CA, 95340, USA","city":"Merced","state":"CA","country":"USA","zip_code":95340},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":43,"Total Gross UBI":23442,"Net unrelated business taxable income":null,"Number of employees":43,"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":14381733,"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":9846873,"Total revenue":9846873,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1353732,"Investment income total":1353732,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":3181128,"Other total":3181128,"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":13318092,"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":1942801,"Benefits paid to members Total":1942801},"Salaries":{"value":3740446,"Current officers":1815479,"Disqualified persons":0,"Other salaries and wages":1924967,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":7634845,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":2068081,"Advertising":275015,"Office expenses":647753,"Information technology":0,"Royalties":0,"Occupancy":378751,"Travel":50481,"Conferences and meetings":0,"Interest":9576,"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":4205189,"Provision for credit losses":3379028,"Loan servicing":668025,"Misc Non-Interest Expense":133386,"Operating Fees":24750},"All other expenses":-1},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":201175702,"Non-interest bearing cash":4864252,"Savings and temp cash investments":26886993,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":1369154,"Receivables from disqual persons":0,"Other net note and loans":127364718,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":2780793,"Investments publicly traded":0,"Investments other":0,"Investments program related":34988919,"Intangible assets":0,"Other assets":2920873},"Liabilities":{"value":183432394,"Sum of Total Liabilities":0,"Accounts payable, accrued":1083129,"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":3500000,"Unsecured notes loans payable":0,"Other liabilities":178849265},"Fund balance":{"value":17743308,"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":0.07395777685484774,"percentile":0.5752634317427328},"Liabilities to Assets Ratio":{"score":0.9118019332175612,"percentile":0.06270043573520279},"Operating Reserve Ratio":{"score":15.105444683818073,"percentile":0.9266865376286892},"Officer Compensation Ratio":{"score":0.061175654891106025,"percentile":0.7039418386977198},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.11342339371608702,"percentile":0.7919216115117904},"Asset Growth":{"score":0.08181600499706194,"percentile":0.6340543009234818},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.620096864634153,"percentile":0.6629816156082444}},"source_xml":"202523189349311887_public.xml"},{"Organization":{"value":null,"Person":["David W Ness","David Bren Horrocks","Donna Winchester","Jennifer Toste","Shay Lopez","David Baker","Susan Chambers","Ron Kinchloe","M Stephen Jones","John Pedrozo","Barbara Jamison","Marie McDonagh","Joe Sapien","Hubert Walsh","John Price","Kent Christensen"],"Title":["President & CEO","VP Finance/CFO","VP HR &Training","VP Branch Op","VP Chief Lendin","Audit Committee","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member"],"Hours":[40.0,40.0,40.0,40.0,40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[190987,105478,93909,86367,82736,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[170575,98685,85992,79113,77549,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[20412,6793,7917,7254,5187,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Non-profit, state-chartered, natural person credit union. provide competitive financial services to the members of merco credit union.","year":2019,"name":"MERCO Credit Union","phone":2097234285,"website":"http://www.merco.org/","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"David W Ness","year_formation":1966,"state_legal_domicile":"CA","total_volunteers":11,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"1911 M Street, Merced, CA, 95340, USA","city":"Merced","state":"CA","country":"USA","zip_code":95340},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":38,"Total Gross UBI":16702,"Net unrelated business taxable income":-19939,"Number of employees":38,"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":6034085,"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":3390854,"Total revenue":3390854,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1063351,"Investment income total":1063351,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1579880,"Other total":1579880,"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":5029453,"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":212542,"Benefits paid to members Total":212542},"Salaries":{"value":2319069,"Current officers":559477,"Disqualified persons":0,"Other salaries and wages":1759592,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":2497842,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":965713,"Advertising":155909,"Office expenses":352161,"Information technology":0,"Royalties":0,"Occupancy":269550,"Travel":37330,"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":717179,"Provision for Loan Losses":414606,"Loan servicing":265813,"Misc Operating Expense":20647,"Operating Fees":16113},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":118781516,"Non-interest bearing cash":1544711,"Savings and temp cash investments":7876361,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":1123104,"Receivables from disqual persons":0,"Other net note and loans":69454119,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1495096,"Investments publicly traded":0,"Investments other":0,"Investments program related":35606427,"Intangible assets":0,"Other assets":1681698},"Liabilities":{"value":106720713,"Sum of Total Liabilities":0,"Accounts payable, accrued":794618,"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":105926095},"Fund balance":{"value":12060803,"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":0.16649284854290253,"percentile":0.7193831102462582},"Liabilities to Assets Ratio":{"score":0.898462291052086,"percentile":0.064916187751236},"Operating Reserve Ratio":{"score":23.617183817007536,"percentile":0.9558210271531866},"Officer Compensation Ratio":{"score":0.11124012889672097,"percentile":0.5160355293431603},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0648960059863658,"percentile":0.6639257908574574},"Asset Growth":{"score":0.055105318805960826,"percentile":0.5460130250219593},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6190323883059088,"percentile":0.6600100432306886}},"source_xml":"202041759349300734_public.xml"},{"Organization":{"value":null,"Person":["David W Ness","David Bren Horrocks","Donna Maher","Jennifer Toste","Shay Lopez","Jim Murphy","Ron Kinchloe","M Stephen Jones","John Pedrozo","Barbara Jamison","Olivia Webster","Joe Sapien","Hubert Walsh","Michael Rhodes","John Price","Kent Christensen"],"Title":["President & CEO","VP Finance/CFO","VP HR &Training","VP Branch Op","VP Chief Lendin","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member"],"Hours":[40.0,40.0,40.0,40.0,40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[209104,127992,111594,108351,107547,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[182527,114748,99436,96625,96016,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[26577,13244,12158,11726,11531,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Non-profit, state-chartered, natural person credit union. provide competitive financial services to the members of merco credit union.","year":2023,"name":"MERCO Credit Union","phone":2097234285,"website":"http://www.merco.org/","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"David W Ness","year_formation":1966,"state_legal_domicile":"CA","total_volunteers":12,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"1911 M Street, Merced, CA, 95340, USA","city":"Merced","state":"CA","country":"USA","zip_code":95340},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":39,"Total Gross UBI":21874,"Net unrelated business taxable income":null,"Number of employees":39,"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":9975258,"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":6828431,"Total revenue":6828431,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":844906,"Investment income total":844906,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2301921,"Other total":2301921,"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":9175552,"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":503971,"Benefits paid to members Total":503971},"Salaries":{"value":3333379,"Current officers":1329172,"Disqualified persons":0,"Other salaries and wages":2004207,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":5338202,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":1558568,"Advertising":279382,"Office expenses":542079,"Information technology":0,"Royalties":0,"Occupancy":350113,"Travel":59733,"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":2548327,"Provision for Loan Losses":1746978,"Loan servicing":633374,"Misc Non-Interest Expense":144051,"Operating Fees":23924},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":185546712,"Non-interest bearing cash":4656766,"Savings and temp cash investments":19571363,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":1491785,"Receivables from disqual persons":0,"Other net note and loans":118791619,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":2916911,"Investments publicly traded":0,"Investments other":0,"Investments program related":35150694,"Intangible assets":0,"Other assets":2967574},"Liabilities":{"value":168867045,"Sum of Total Liabilities":0,"Accounts payable, accrued":2202926,"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":3500000,"Unsecured notes loans payable":0,"Other liabilities":163164119},"Fund balance":{"value":16679667,"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":0.08016895402605126,"percentile":0.587323319907416},"Liabilities to Assets Ratio":{"score":0.9101052946710261,"percentile":0.0629777888118145},"Operating Reserve Ratio":{"score":20.22185825986273,"percentile":0.9466596231118865},"Officer Compensation Ratio":{"score":0.07243030174097427,"percentile":0.6547927837553912},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.08908193023623229,"percentile":0.7374952090666715},"Asset Growth":{"score":0.08115409598693014,"percentile":0.6321293407277673},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6149889798843796,"percentile":0.6487471059716826}},"source_xml":"202403199349314890_public.xml"},{"Organization":{"value":null,"Person":["David Baker","Susan Chambers","Ron Kinchloe","M Stephen Jones","John Pedrozo","Barbara Jamison","Marie McDonagh","Joe Sapien","Hubert Walsh","John Price","Kent Christensen","David W Ness","Donna Winchester","Jennifer Toste","Michael Malone","Shay Lopez"],"Title":["Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Supervisory Com","Board Member","Board Member","Supervisory Com","CFO,EVP Finance","VP HR&Training","AVP Operations","CEO, President","AVP Lending"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,131097,68249,64014,164654,63330],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,131097,68249,64014,164654,63330],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Non-profit, state-chartered, natural person credit union. provide competitive financial services to the members of merco credit union.","year":2015,"name":"MERCO Credit Union","phone":2097234285,"website":"http://www.merco.org/","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"David W Ness","year_formation":1966,"state_legal_domicile":"CA","total_volunteers":11,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"1911 M Street, Merced, CA, 95340, USA","city":"Merced","state":"CA","country":"USA","zip_code":95340},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":40,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":40,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":4384060,"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":2363577,"Total revenue":2363577,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":670558,"Investment income total":670558,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1349925,"Other total":1349925,"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":3690425,"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":128550,"Benefits paid to members Total":128550},"Salaries":{"value":1821093,"Current officers":491344,"Disqualified persons":0,"Other salaries and wages":1329749,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":1740782,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":950314,"Advertising":86199,"Office expenses":320250,"Information technology":0,"Royalties":0,"Occupancy":236708,"Travel":23709,"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":123602,"Misc Operating Expense":55268,"Provision for Loan Losses":50204,"Operating Fees":11012,"Loss on Disposition of Assets":7118},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":97417687,"Non-interest bearing cash":1851874,"Savings and temp cash investments":5532012,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":37714681,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1292803,"Investments publicly traded":49414505,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1611812},"Liabilities":{"value":88524517,"Sum of Total Liabilities":0,"Accounts payable, accrued":507042,"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":88017475},"Fund balance":{"value":8893170,"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":0.15821749702330717,"percentile":0.7091668315779369},"Liabilities to Assets Ratio":{"score":0.9087109304904766,"percentile":0.06321335457112283},"Operating Reserve Ratio":{"score":26.397416828685042,"percentile":0.9615616320811017},"Officer Compensation Ratio":{"score":0.13314022097725872,"percentile":0.4535573542389992},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.029084168189693418,"percentile":0.510215571702179},"Asset Growth":{"score":0.06254793201418925,"percentile":0.572687153035457},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5997604219311418,"percentile":0.6048192708438533}},"source_xml":"201611339349303891_public.xml"},{"Organization":{"value":null,"Person":["David W Ness","David Bren Horrocks","Donna Maher","Jennifer Toste","Shay Lopez","Jim Murphy","Ron Kinchloe","M Stephen Jones","John Pedrozo","Barbara Jamison","Olivia Webster","Joe Sapien","Hubert Walsh","Michael Rhodes","John Price","Kent Christensen"],"Title":["President & CEO","VP Finance/CFO","VP HR &Training","VP Branch Op","VP Chief Lendin","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member"],"Hours":[40.0,40.0,40.0,40.0,40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[228514,136631,128386,122749,120751,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[203430,124388,116896,111767,109951,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[25084,12243,11490,10982,10800,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Non-profit, state-chartered, natural person credit union. provide competitive financial services to the members of merco credit union.","year":2022,"name":"MERCO Credit Union","phone":2097234285,"website":"http://www.merco.org/","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"David W Ness","year_formation":1966,"state_legal_domicile":"CA","total_volunteers":12,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"1911 M Street, Merced, CA, 95340, USA","city":"Merced","state":"CA","country":"USA","zip_code":95340},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":36,"Total Gross UBI":20820,"Net unrelated business taxable income":null,"Number of employees":36,"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":7877946,"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":4783845,"Total revenue":4783845,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":696611,"Investment income total":696611,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2397490,"Other total":2397490,"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":6906965,"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":202989,"Benefits paid to members Total":202989},"Salaries":{"value":2897531,"Current officers":737031,"Disqualified persons":0,"Other salaries and wages":2160500,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":3806445,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":1386112,"Advertising":199642,"Office expenses":402174,"Information technology":0,"Royalties":0,"Occupancy":313202,"Travel":34589,"Conferences and meetings":0,"Interest":5102,"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":1465623,"Provision for Loan Losses":1014592,"Loan servicing":341376,"Misc Operating Expense":86657,"Operating Fees":22998},"All other expenses":1},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":174840743,"Non-interest bearing cash":2291909,"Savings and temp cash investments":2443590,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":101536540,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":2211979,"Investments publicly traded":0,"Investments other":0,"Investments program related":63855427,"Intangible assets":0,"Other assets":2501298},"Liabilities":{"value":158664075,"Sum of Total Liabilities":0,"Accounts payable, accrued":1306657,"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":3500000,"Unsecured notes loans payable":0,"Other liabilities":153857418},"Fund balance":{"value":16176668,"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":0.1232530662180218,"percentile":0.6607819667844584},"Liabilities to Assets Ratio":{"score":0.9074776981472791,"percentile":0.06341942340056994},"Operating Reserve Ratio":{"score":25.313685967715198,"percentile":0.9594600848500452},"Officer Compensation Ratio":{"score":0.10670837335935537,"percentile":0.5302808677896038},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07201558888001602,"percentile":0.6880807738060742},"Asset Growth":{"score":0.07856137484724607,"percentile":0.6244238927203366},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6163850784198714,"percentile":0.6526802046963203}},"source_xml":"202312999349301271_public.xml"},{"Organization":{"value":null,"Person":["David Baker","Susan Chambers","Ron Kinchloe","M Stephen Jones","John Pedrozo","Barbara Jamison","Marie McDonagh","Joe Sapien","Hubert Walsh","John Price","Kent Christensen","David W Ness","Donna Winchester","Jennifer Toste","Michael Malone","Shay Lopez"],"Title":["Supervisory Com","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Supervisory Com","Board Member","Board Member","Board member","CFO,EVP Finance","VP HR&Training","AVP Operations","CEO, President","AVP Lending"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,128203,74703,67926,175602,93905],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,119437,72958,63522,151602,63809],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,8766,1745,4404,24000,30096]},"Basic":{"value":null,"mission":"Non-profit, state-chartered, natural person credit union. provide competitive financial services to the members of merco credit union.","year":2017,"name":"MERCO Credit Union","phone":2097234285,"website":"http://www.merco.org/","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"David W Ness","year_formation":1966,"state_legal_domicile":"CA","total_volunteers":11,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"1911 M Street, Merced, CA, 95340, USA","city":"Merced","state":"CA","country":"USA","zip_code":95340},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":45,"Total Gross UBI":24115,"Net unrelated business taxable income":-8075,"Number of employees":45,"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":4835007,"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":2531465,"Total revenue":2531465,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":814758,"Investment income total":814758,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1488784,"Other total":1488784,"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":4171344,"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":140596,"Benefits paid to members Total":140596},"Salaries":{"value":2084227,"Current officers":471328,"Disqualified persons":0,"Other salaries and wages":950321,"Pension plan contributions":0,"Other employee benefits":662578,"Payroll taxes":0},"Other expenses":{"value":1946521,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":854879,"Advertising":80729,"Office expenses":354451,"Information technology":0,"Royalties":0,"Occupancy":210741,"Travel":18701,"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":427020,"Loan servicing":248477,"Provision for Loan Losses":111201,"Misc Operating Expense":54535,"Operating Fees":12807},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":108753776,"Non-interest bearing cash":1720962,"Savings and temp cash investments":5516504,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":51132092,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1414472,"Investments publicly traded":0,"Investments other":0,"Investments program related":47407013,"Intangible assets":0,"Other assets":1562733},"Liabilities":{"value":98704133,"Sum of Total Liabilities":0,"Accounts payable, accrued":712541,"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":97991592},"Fund balance":{"value":10049643,"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":0.13726205567023997,"percentile":0.6813117385506572},"Liabilities to Assets Ratio":{"score":0.9075926982066351,"percentile":0.06339955394087177},"Operating Reserve Ratio":{"score":26.071639260631585,"percentile":0.9609484871345659},"Officer Compensation Ratio":{"score":0.1295359481260716,"percentile":0.46325725367964693},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.03772238833561449,"percentile":0.5517685368174652},"Asset Growth":{"score":0.05867160295917404,"percentile":0.5590212253075353},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5984183276335516,"percentile":0.600880772532824}},"source_xml":"201841299349302154_public.xml"},{"Organization":{"value":null,"Person":["David Baker","Susan Chambers","Ron Kinchloe","M Stephen Jones","John Pedrozo","Barbara Jamison","Marie McDonagh","Joe Sapien","Hubert Walsh","John Price","Kent Christensen","David W Ness","Donna Winchester","Jennifer Toste","David Bren Horrocks","Shay Lopez"],"Title":["Supervisory Com","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Supervisory Com","Board Member","Board Member","Board member","President & CEO","VP HR&Training","AVP Operations","CFO","AVP Lending"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,163913,81035,74939,80369,73286],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,163913,81035,74939,80369,73286],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Non-profit, state-chartered, natural person credit union. provide competitive financial services to the members of merco credit union.","year":2018,"name":"MERCO Credit Union","phone":2093544275,"website":"http://www.merco.org/","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"David W Ness","year_formation":1966,"state_legal_domicile":"CA","total_volunteers":11,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"1911 M Street, Merced, CA, 95340, USA","city":"Merced","state":"CA","country":"USA","zip_code":95340},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":42,"Total Gross UBI":18224,"Net unrelated business taxable income":-14635,"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":5581427,"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":2996098,"Total revenue":2996098,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":975290,"Investment income total":975290,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1610039,"Other total":1610039,"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":4574899,"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":161884,"Benefits paid to members Total":161884},"Salaries":{"value":2146716,"Current officers":473542,"Disqualified persons":0,"Other salaries and wages":1673174,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":2266299,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":825064,"Advertising":119588,"Office expenses":347557,"Information technology":0,"Royalties":0,"Occupancy":205908,"Travel":30355,"Conferences and meetings":0,"Interest":49,"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":737778,"Provision for Loan Losses":368404,"Loan servicing":248664,"Misc Operating Expense":106698,"Operating Fees":14012},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":116503078,"Non-interest bearing cash":1509360,"Savings and temp cash investments":6957772,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":906716,"Receivables from disqual persons":0,"Other net note and loans":62051447,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1353118,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":43724665},"Liabilities":{"value":105446907,"Sum of Total Liabilities":0,"Accounts payable, accrued":743232,"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":104703675},"Fund balance":{"value":11056171,"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":0.18033524401555373,"percentile":0.7355239664139431},"Liabilities to Assets Ratio":{"score":0.9050997519567681,"percentile":0.06381722227411497},"Operating Reserve Ratio":{"score":25.46571585514784,"percentile":0.9597694866012471},"Officer Compensation Ratio":{"score":0.10350873319826295,"percentile":0.5405360658387818},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.05611943033929495,"percentile":0.6312175395894174},"Asset Growth":{"score":0.05951402881383248,"percentile":0.5620084741984963},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6214970661882393,"percentile":0.6668633182698205}},"source_xml":"201901549349300860_public.xml"},{"Organization":{"value":null,"Person":["David W Ness","David Bren Horrocks","Donna Winchester","Shay Lopez","Jennifer Toste","David Baker","Susan Chambers","Ron Kinchloe","M Stephen Jones","John Pedrozo","Barbara Jamison","Marie McDonagh","Joe Sapien","Hubert Walsh","John Price","Kent Christensen"],"Title":["President & CEO","VP Finance/CFO","VP HR &Training","VP Chief Lendin","VP Branch Op","Audit Committee","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member"],"Hours":[40.0,40.0,40.0,40.0,40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[197388,119029,108189,101566,100898,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[175615,108462,98612,92586,91978,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[21773,10567,9577,8980,8920,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Non-profit, state-chartered, natural person credit union. provide competitive financial services to the members of merco credit union.","year":2020,"name":"MERCO Credit Union","phone":2097234285,"website":"http://www.merco.org/","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"David W Ness","year_formation":1966,"state_legal_domicile":"CA","total_volunteers":12,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"1911 M Street, Merced, CA, 95340, USA","city":"Merced","state":"CA","country":"USA","zip_code":95340},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":37,"Total Gross UBI":21918,"Net unrelated business taxable income":null,"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":5654431,"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":3464761,"Total revenue":3464761,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":780120,"Investment income total":780120,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1409550,"Other total":1409550,"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":5243841,"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":221971,"Benefits paid to members Total":221971},"Salaries":{"value":2388642,"Current officers":609749,"Disqualified persons":0,"Other salaries and wages":1778893,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":2633228,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":1095468,"Advertising":97427,"Office expenses":336814,"Information technology":0,"Royalties":0,"Occupancy":268253,"Travel":26252,"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":809014,"Provision for Loan Losses":415227,"Loan servicing":337630,"Misc Operating Expense":38524,"Operating Fees":17633},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":143567580,"Non-interest bearing cash":2608970,"Savings and temp cash investments":15358575,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":1001553,"Receivables from disqual persons":0,"Other net note and loans":68703886,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1433708,"Investments publicly traded":0,"Investments other":0,"Investments program related":52634399,"Intangible assets":0,"Other assets":1826489},"Liabilities":{"value":131096187,"Sum of Total Liabilities":0,"Accounts payable, accrued":727716,"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":130368471},"Fund balance":{"value":12471393,"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":0.07261384920958448,"percentile":0.5725793352285732},"Liabilities to Assets Ratio":{"score":0.9131322475450238,"percentile":0.06247777488270874},"Operating Reserve Ratio":{"score":27.37832439999611,"percentile":0.9632414148087236},"Officer Compensation Ratio":{"score":0.1195821917560048,"percentile":0.49107004625534845},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.056355946990496036,"percentile":0.6321478695499896},"Asset Growth":{"score":0.06608110119577747,"percentile":0.5847984777506731},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5895040098860905,"percentile":0.5745837868819248}},"source_xml":"202112509349300916_public.xml"},{"Organization":{"value":null,"Person":["David Baker","Susan Chambers","Ron Kinchloe","M Stephen Jones","Walter Lopes","Barbara Jamison","Marie McDonagh","Don Cline","Mark Pazin","Joe Sapien","John Price","Kent Christensen","Michael E Malone","David W Ness","Donna Winchester","Jennifer Toste","Shay Lopez"],"Title":["Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Supervisory Com","Supervisory Com","Board Member","Supervisory Com","President & CEO","CFO, VP Finance","VP HR&Training","AVP Operations","AVP Business De"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,115954,95395,51543,46053,48261],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,115954,95395,51543,46053,48261],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Non-profit, state-chartered, natural person credit union. provide competitive financial services to the members of merco credit union.","year":2013,"name":"MERCO Credit Union","phone":2097234285,"website":"http://www.merco.org/","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1966,"state_legal_domicile":"CA","total_volunteers":12,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"1911 M Street, Merced, CA, 95340, USA","city":"Merced","state":"CA","country":"USA","zip_code":95340},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"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":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":4136084,"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":2487087,"Total revenue":2487087,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":527080,"Investment income total":527080,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1121917,"Other total":1121917,"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":3442843,"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":181209,"Benefits paid to members Total":181209},"Salaries":{"value":1518287,"Current officers":357206,"Disqualified persons":0,"Other salaries and wages":1161081,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":1743347,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":851240,"Advertising":71629,"Office expenses":308977,"Information technology":0,"Royalties":0,"Occupancy":216888,"Travel":16103,"Conferences and meetings":0,"Interest":24,"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":278486,"Provision for Loan Losses":159204,"Misc Operating Expense":63802,"NCUSIF Stabilization Expense":45557,"Operating Fees":9923},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":85944034,"Non-interest bearing cash":1360447,"Savings and temp cash investments":4789487,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":34928639,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":911639,"Investments publicly traded":42551548,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1402274},"Liabilities":{"value":78583810,"Sum of Total Liabilities":0,"Accounts payable, accrued":743094,"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":77840716},"Fund balance":{"value":7360224,"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":0.16760805631607095,"percentile":0.7207555252748346},"Liabilities to Assets Ratio":{"score":0.9143602684509782,"percentile":0.06227928512551763},"Operating Reserve Ratio":{"score":24.963099972900302,"percentile":0.9587386189768967},"Officer Compensation Ratio":{"score":0.10375320628910467,"percentile":0.5397414564842712},"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":0.6212184913377224,"percentile":0.6660983768643322}},"source_xml":"201421349349308247_public.xml"},{"Organization":{"value":null,"Person":["David Baker","Susan Chambers","Ron Kinchloe","M Stephen Jones","John Pedrozo","Barbara Jamison","Marie McDonagh","Joe Sapien","Hubert Walsh","John Price","Kent Christensen","David W Ness","Donna Winchester","Jennifer Toste","Michael Malone","Shay Lopez"],"Title":["Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Supervisory Com","Board Member","Board Member","Supervisory Com","CFO,EVP Finance","VP HR&Training","AVP Operations","CEO, President","AVP Lending"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,131410,67059,63025,163229,58044],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,131410,67059,63025,163229,58044],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Non-profit, state-chartered, natural person credit union. provide competitive financial services to the members of merco credit union.","year":2016,"name":"MERCO Credit Union","phone":2097234285,"website":"http://www.merco.org/","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"David W Ness","year_formation":1966,"state_legal_domicile":"CA","total_volunteers":11,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"1911 M Street, Merced, CA, 95340, USA","city":"Merced","state":"CA","country":"USA","zip_code":95340},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":40,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":40,"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":4543690,"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":2400385,"Total revenue":2400385,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":726980,"Investment income total":726980,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1416325,"Other total":1416325,"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":4050880,"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":137300,"Benefits paid to members Total":137300},"Salaries":{"value":1934084,"Current officers":482767,"Disqualified persons":0,"Other salaries and wages":1451317,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":1979496,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":816434,"Advertising":70714,"Office expenses":334560,"Information technology":0,"Royalties":0,"Occupancy":243268,"Travel":24930,"Conferences and meetings":0,"Interest":27,"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":489563,"Loan servicing":213417,"Provision for Loan Losses":204424,"Misc Operating Expense":59859,"Operating Fees":11863},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":103352432,"Non-interest bearing cash":1812481,"Savings and temp cash investments":4815338,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":43163247,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1478583,"Investments publicly traded":50642164,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1440619},"Liabilities":{"value":93966452,"Sum of Total Liabilities":0,"Accounts payable, accrued":569463,"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":93396989},"Fund balance":{"value":9385980,"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":0.10846030429012543,"percentile":0.6374759791704327},"Liabilities to Assets Ratio":{"score":0.9091847204911443,"percentile":0.06313633480981855},"Operating Reserve Ratio":{"score":25.513575321905364,"percentile":0.9598624485905043},"Officer Compensation Ratio":{"score":0.11917583339916266,"percentile":0.4922519483069253},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.030872958710467416,"percentile":0.5189516583978447},"Asset Growth":{"score":0.06113243100166238,"percentile":0.567754477579092},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5891911029842801,"percentile":0.573644058865091}},"source_xml":"201721269349300002_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["David W Ness","David Bren Horrocks","Donna Maher","Jennifer Toste","Shay Lopez","Jim Murphy","Ron Kinchloe","M Stephen Jones","John Pedrozo","Barbara Jamison","Olivia Webster","Joe Sapien","Hubert Walsh","Michael Rhodes","John Price","Kent Christensen"],"Title":["President & CEO","VP Finance/CFO","VP HR &Training","VP Branch Op","VP Chief Lendin","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member","Board Member"],"Hours":[40.0,40.0,40.0,40.0,40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[249137,161464,140777,139008,124357,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[221018,146806,127999,126392,124357,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[28119,14658,12778,12616,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Non-profit, state-chartered, natural person credit union. provide competitive financial services to the members of merco credit union.","year":2024,"name":"MERCO Credit Union","phone":2097234285,"website":"http://www.merco.org/","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"David W Ness","year_formation":1966,"state_legal_domicile":"CA","total_volunteers":12,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"1911 M Street, Merced, CA, 95340, USA","city":"Merced","state":"CA","country":"USA","zip_code":95340},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":43,"Total Gross UBI":23442,"Net unrelated business taxable income":null,"Number of employees":43,"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":14381733,"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":9846873,"Total revenue":9846873,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1353732,"Investment income total":1353732,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":3181128,"Other total":3181128,"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":13318092,"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":1942801,"Benefits paid to members Total":1942801},"Salaries":{"value":3740446,"Current officers":1815479,"Disqualified persons":0,"Other salaries and wages":1924967,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":7634845,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":2068081,"Advertising":275015,"Office expenses":647753,"Information technology":0,"Royalties":0,"Occupancy":378751,"Travel":50481,"Conferences and meetings":0,"Interest":9576,"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":4205189,"Provision for credit losses":3379028,"Loan servicing":668025,"Misc Non-Interest Expense":133386,"Operating Fees":24750},"All other expenses":-1},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":201175702,"Non-interest bearing cash":4864252,"Savings and temp cash investments":26886993,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":1369154,"Receivables from disqual persons":0,"Other net note and loans":127364718,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":2780793,"Investments publicly traded":0,"Investments other":0,"Investments program related":34988919,"Intangible assets":0,"Other assets":2920873},"Liabilities":{"value":183432394,"Sum of Total Liabilities":0,"Accounts payable, accrued":1083129,"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":3500000,"Unsecured notes loans payable":0,"Other liabilities":178849265},"Fund balance":{"value":17743308,"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":0.07395777685484774,"percentile":0.5752634317427328},"Liabilities to Assets Ratio":{"score":0.9118019332175612,"percentile":0.06270043573520279},"Operating Reserve Ratio":{"score":15.105444683818073,"percentile":0.9266865376286892},"Officer Compensation Ratio":{"score":0.061175654891106025,"percentile":0.7039418386977198},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.11342339371608702,"percentile":0.7919216115117904},"Asset Growth":{"score":0.08181600499706194,"percentile":0.6340543009234818},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.620096864634153,"percentile":0.6629816156082444}},"source_xml":"202523189349311887_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}