{"success":true,"data":{"_id":951820936,"filings":[{"Organization":{"value":null,"Person":["Dan Antonelli","James Johandes","Robert Hartman","Ernesto Navar","Joe VandenBerg","Larry Lewis","Rich Halvorson","Melvin Morrison","Thomas Donston","Rosa Garcia-Luquin","Nancy E Tinkler"],"Title":["Board Chairman","BD Secretary Tr","SC Chairman","Board Member","Board Member","BD Vice Chair","Board Member","SC Chairman","SC Chairmain","Accounting Mgr","President & CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,45.0,46.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,72736,281485],"Direct compensation":[0,0,0,0,0,0,0,0,0,72736,281485],"Other compensation":[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 united financial credit union.","year":2016,"name":"United Financial Credit Union co Credit Union of Southern California","phone":5629444842,"website":"www.ufcuonline.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Rosa Garcia-Luquin","year_formation":1965,"state_legal_domicile":"CA","total_volunteers":9,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-10-31T00:00:00","address":"PO Box 3277, Whittier, CA, 90605, USA","city":"Whittier","state":"CA","country":"USA","zip_code":90605},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":12,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":12,"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":1188961,"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":883417,"Total revenue":883417,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":162559,"Investment income total":162559,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":142985,"Other total":142985,"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":2052524,"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":715136,"Benefits paid to members Total":715136},"Salaries":{"value":927980,"Current officers":354221,"Disqualified persons":0,"Other salaries and wages":496486,"Pension plan contributions":0,"Other employee benefits":77273,"Payroll taxes":0},"Other expenses":{"value":409408,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":180597,"Advertising":9436,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":51985,"Travel":14418,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":104874,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":48098,"Miscellaneous Expense":329241,"Non op gain/expense OREO":-66645,"Provision for Loan Losses":-214498},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":0,"Non-interest bearing cash":0,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":0,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":0,"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":-0.7263173476674172,"percentile":0.0542158963323258},"Liabilities to Assets Ratio":{"score":null,"percentile":null},"Operating Reserve Ratio":{"score":0.0,"percentile":0.01998217959084195},"Officer Compensation Ratio":{"score":0.17257824999853838,"percentile":0.36396624839380975},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.07556761460552265,"percentile":0.17513580493699205},"Asset Growth":{"score":-0.4053414596737263,"percentile":0.02002031497462591},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.3632090378246489,"percentile":0.06824357254234326}},"source_xml":"201741239349301529_public.xml"},{"Organization":{"value":null,"Person":["Dan Antonelli","James Johandes","Robert Hartman","Ernesto Navar","Joe VandenBerg","Larry Lewis","Rich Halvorson","Melvin Morrison","Steve Salinas","Nancy E Tinkler","Rosa M Garcia-Luquin","Barbara Dibbern","Michelle Sender"],"Title":["Board Member","Vice-Chairman","Chairman/BM","Board Member","Sec/Trea","Board Member","SC Member","SC Chairman","Board Member","President & CEO","Accounting Manager","Member Services Manager","Lending/Collections Manager"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,47.0,45.0,42.0,42.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,170654,68193,54211,60358],"Direct compensation":[0,0,0,0,0,0,0,0,0,170654,68193,54211,60358],"Other compensation":[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 united financial credit union.","year":2014,"name":"United Financial Credit Union","phone":5629444842,"website":"www.ufcuonline.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Nancy E Tinkler","year_formation":1965,"state_legal_domicile":"CA","total_volunteers":10,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"PO Box 3277, Whittier, CA, 90605, USA","city":"Whittier","state":"CA","country":"USA","zip_code":90605},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":12,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":12,"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":1483854,"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":1043100,"Total revenue":1043100,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":225916,"Investment income total":225916,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":214838,"Other total":214838,"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":1446484,"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":88591,"Benefits paid to members Total":88591},"Salaries":{"value":704742,"Current officers":353416,"Disqualified persons":0,"Other salaries and wages":351326,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":653151,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":66519,"Advertising":8559,"Office expenses":260258,"Information technology":0,"Royalties":0,"Occupancy":57178,"Travel":11055,"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":240460,"Provision for Loan Losses":191500,"Regulatory Supervision":21685,"Other non-operating expense":15300,"Miscellaneous Expense":11975},"All other expenses":9122},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":36875106,"Non-interest bearing cash":344050,"Savings and temp cash investments":1926749,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":19059015,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":145746,"Investments publicly traded":14286863,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1112683},"Liabilities":{"value":31142585,"Sum of Total Liabilities":0,"Accounts payable, accrued":158771,"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":30983814},"Fund balance":{"value":5732521,"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":0.02518441841313229,"percentile":0.4657033810444906},"Liabilities to Assets Ratio":{"score":0.8445422502649891,"percentile":0.07294713658553373},"Operating Reserve Ratio":{"score":25.492923530436563,"percentile":0.9598246575209584},"Officer Compensation Ratio":{"score":0.24432762477842823,"percentile":0.2482179896236814},"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":0.5432389383864132,"percentile":0.4376620750850485}},"source_xml":"201532579349300828_public.xml"},{"Organization":{"value":null,"Person":["Dan Antonelli","James Johandes","Robert Hartman","Ernesto Navar","Joe VandenBerg","Larry Lewis","Rich Halvorson","Melvin Morrison","Thomas Donston","Rosa Garcia-Luquin","Nancy E Tinkler"],"Title":["Board Chairman","BD Secretary Tr","SC Chairman","Board Member","Board Member","BD Vice Chair","Board Member","SC Chairman","SC Chairmain","Accounting Mgr","President & CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,43.0,46.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,71362,193612],"Direct compensation":[0,0,0,0,0,0,0,0,0,71362,193612],"Other compensation":[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 united financial credit union.","year":2015,"name":"United Financial Credit Union","phone":5629444842,"website":"www.ufcuonline.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Rosa Garcia-Luquin","year_formation":1965,"state_legal_domicile":"CA","total_volunteers":10,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"PO Box 3277, Whittier, CA, 90605, USA","city":"Whittier","state":"CA","country":"USA","zip_code":90605},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":12,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":12,"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":1567519,"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":996994,"Total revenue":996994,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":220870,"Investment income total":220870,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":349655,"Other total":349655,"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":1473897,"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":82102,"Benefits paid to members Total":82102},"Salaries":{"value":710869,"Current officers":264974,"Disqualified persons":0,"Other salaries and wages":445895,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":680926,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":94225,"Advertising":6593,"Office expenses":261993,"Information technology":0,"Royalties":0,"Occupancy":55585,"Travel":16719,"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":245811,"Provision for Loan Losses":197000,"Operating Fees":39597,"Miscellaneous Expense":9214},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":36679347,"Non-interest bearing cash":4120,"Savings and temp cash investments":4157793,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":20371597,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":104323,"Investments publicly traded":11209863,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":831651},"Liabilities":{"value":30853204,"Sum of Total Liabilities":0,"Accounts payable, accrued":171368,"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":30681836},"Fund balance":{"value":5826143,"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":0.05972622979370585,"percentile":0.5461396598391702},"Liabilities to Assets Ratio":{"score":0.8411601220708754,"percentile":0.07340085672194063},"Operating Reserve Ratio":{"score":24.885963537479213,"percentile":0.9585842212382173},"Officer Compensation Ratio":{"score":0.17977782708018267,"percentile":0.3499455690150214},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.005204237435687328,"percentile":0.3480063978032678},"Asset Growth":{"score":-0.010015236888236901,"percentile":0.28031945479834036},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5286738228306593,"percentile":0.39684720150436475}},"source_xml":"201612259349304401_public.xml"},{"Organization":{"value":null,"Person":["Dan Antonelli","James Johandes","Robert Hartman","Ernesto Navar","Joe VandenBerg","Larry Lewis","Rich Halvorson","Melvin Morrison","Steve Salinas","Nancy E Tinkler","Rosa M Garcia-Luquin","Barbara Dibbern","Michelle Sender"],"Title":["Board Member","Vice-Chairman","Chairman/BM","Board Member","Sec/Trea","Board Member","SC Mmber","SC Chmn","Brd Mmbr","President & CEO","Accounting Manager","Member Services Manager","Lending/Collections Manager"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,47.0,45.0,42.0,42.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,172520,69005,50406,60930],"Direct compensation":[0,0,0,0,0,0,0,0,0,172520,69005,50406,60930],"Other compensation":[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 united financial credit union.","year":2013,"name":"United Financial Credit Union","phone":5629444842,"website":"www.ufcuonline.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Nancy E Tinkler","year_formation":1965,"state_legal_domicile":"CA","total_volunteers":10,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"PO Box 3277, Whittier, CA, 90605, USA","city":"Whittier","state":"CA","country":"USA","zip_code":90605},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":13,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":13,"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":1583600,"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":1158890,"Total revenue":1158890,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":213559,"Investment income total":213559,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":211151,"Other total":211151,"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":1545662,"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":118002,"Benefits paid to members Total":118002},"Salaries":{"value":711130,"Current officers":352861,"Disqualified persons":0,"Other salaries and wages":358269,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":716530,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":70393,"Advertising":10550,"Office expenses":251799,"Information technology":0,"Royalties":0,"Occupancy":54505,"Travel":11435,"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":301190,"Provision for Loan Losses":245000,"NCUSIF Stabilization Expense":24928,"Regulatory Supervision":19854,"Loss on non-operating activiti":11408},"All other expenses":16658},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":37420306,"Non-interest bearing cash":394358,"Savings and temp cash investments":2257336,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":19253776,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":183831,"Investments publicly traded":14557863,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":773142},"Liabilities":{"value":31725155,"Sum of Total Liabilities":0,"Accounts payable, accrued":205832,"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":31519323},"Fund balance":{"value":5695151,"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":0.023956807274564285,"percentile":0.46257397314965987},"Liabilities to Assets Ratio":{"score":0.8478058677553305,"percentile":0.07249505516745243},"Operating Reserve Ratio":{"score":24.209889354852486,"percentile":0.9571388643965484},"Officer Compensation Ratio":{"score":0.22829117879588162,"percentile":0.2699811042188531},"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":0.5439282679661288,"percentile":0.43964252338270887}},"source_xml":"201412249349300101_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["Dan Antonelli","James Johandes","Robert Hartman","Ernesto Navar","Joe VandenBerg","Larry Lewis","Rich Halvorson","Melvin Morrison","Thomas Donston","Rosa Garcia-Luquin","Nancy E Tinkler"],"Title":["Board Chairman","BD Secretary Tr","SC Chairman","Board Member","Board Member","BD Vice Chair","Board Member","SC Chairman","SC Chairmain","Accounting Mgr","President & CEO"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,45.0,46.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,72736,281485],"Direct compensation":[0,0,0,0,0,0,0,0,0,72736,281485],"Other compensation":[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 united financial credit union.","year":2016,"name":"United Financial Credit Union co Credit Union of Southern California","phone":5629444842,"website":"www.ufcuonline.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Rosa Garcia-Luquin","year_formation":1965,"state_legal_domicile":"CA","total_volunteers":9,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-10-31T00:00:00","address":"PO Box 3277, Whittier, CA, 90605, USA","city":"Whittier","state":"CA","country":"USA","zip_code":90605},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":12,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":12,"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":1188961,"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":883417,"Total revenue":883417,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":162559,"Investment income total":162559,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":142985,"Other total":142985,"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":2052524,"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":715136,"Benefits paid to members Total":715136},"Salaries":{"value":927980,"Current officers":354221,"Disqualified persons":0,"Other salaries and wages":496486,"Pension plan contributions":0,"Other employee benefits":77273,"Payroll taxes":0},"Other expenses":{"value":409408,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":180597,"Advertising":9436,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":51985,"Travel":14418,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":104874,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":48098,"Miscellaneous Expense":329241,"Non op gain/expense OREO":-66645,"Provision for Loan Losses":-214498},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":0,"Non-interest bearing cash":0,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":0,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":0,"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":-0.7263173476674172,"percentile":0.0542158963323258},"Liabilities to Assets Ratio":{"score":null,"percentile":null},"Operating Reserve Ratio":{"score":0.0,"percentile":0.01998217959084195},"Officer Compensation Ratio":{"score":0.17257824999853838,"percentile":0.36396624839380975},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.07556761460552265,"percentile":0.17513580493699205},"Asset Growth":{"score":-0.4053414596737263,"percentile":0.02002031497462591},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.3632090378246489,"percentile":0.06824357254234326}},"source_xml":"201741239349301529_public.xml"},"sector":"Public, Societal Benefit","donation_categories":[],"zakat_policy":null},"error":null}