{"success":true,"data":{"_id":954110181,"filings":[{"Organization":{"value":null,"Person":["GARY PEREZ","TERESA DENISON","DAVID SCHAUER-WEST","MICHAEL ROGERS","JEFF GALLERY","TONYA PEREZ-WRIGHT","ROCIO FLORES","DANIEL COHEN","DANIEL PARIS","CHRISTINA SCHWARZ","VALERIE IVES","IRENE RODRIGUEZ","GAVIN GALIMI","MICHAEL BROUGHTON","JUSTIN HO","CAROLINA CASTILLO","KELLY BERNAL","PEER FISS","RICHARD MCCORMICK","SAMANTHA SMYTH-PAXSON","THEODORE BUDGE"],"Title":["CHIEF EXECUTIVE OFFICER","CHIEF MARKETING OFFICER","CHIEF INFORMATION OFFICER","CHIEF FINANCIAL OFFICER","CHIEF LENDING OFFICER","CHIEF EXPERIENCE OFFICER","CHIEF SOCIAL IMPACT OFFICER","VP, INFORMATION TECHNOLOGY","VP, HUMAN RESOURCES","VP, REAL ESTATE LENDING","VP, CONSUMER LENDING","VP, BUSINESS DEVELOPMENT","CHAIR","VICE CHAIR","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5],"Total Compensation":[402109,243332,238986,237237,230925,205467,202498,188790,180113,175147,173986,139767,0,0,0,0,0,0,0,0,0],"Direct compensation":[330479,180995,184808,201681,189261,162979,154860,154022,157351,137153,138629,111947,0,0,0,0,0,0,0,0,0],"Other compensation":[71630,62337,54178,35556,41664,42488,47638,34768,22762,37994,35357,27820,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide financial services to our core membership: faculty, staff, students, and alumni of usc.","year":2023,"name":"USC CREDIT UNION","phone":2138217128,"website":"WWW.USCCREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"GARY PEREZ","year_formation":1973,"state_legal_domicile":"CA","total_volunteers":14,"tax_period_begin":"2023-07-01T00:00:00","tax_period_end":"2024-06-30T00:00:00","address":"3720 S FLOWER ST 4TH FLOOR, LOS ANGELES, CA, 90089, USA","city":"LOS ANGELES","state":"CA","country":"USA","zip_code":90089},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":0,"Total Gross UBI":64536,"Net unrelated business taxable income":22488,"Number of employees":0,"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":36171112,"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":30124646,"Total revenue":{"value":30124646,"INTEREST ON LOANS TO MEMBERS":25732359,"FEES AND CHARGES":3983602,"COMMISSION INCOME":301305,"GAIN ON SALE OF LOANS":107380},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":5579171,"Investment income total":5538839,"Net investment gain":40332,"Income from invest bond proceeds":0},"Other revenues":{"value":467295,"Other total":280620,"Royalties revenue":0,"Net rental income":186675,"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":32793297,"Grant expense":{"value":61905,"Grants to domestic orgs":61905,"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":6632789,"Benefits paid to members Total":6632789},"Salaries":{"value":11306302,"Current officers":2026495,"Disqualified persons":0,"Other salaries and wages":6123250,"Pension plan contributions":327296,"Other employee benefits":2217490,"Payroll taxes":611771},"Other expenses":{"value":14792301,"Management services":0,"Legal":165107,"Accounting":63216,"Lobbying services":6500,"Investment management fees":0,"Other services":1471334,"Advertising":1190710,"Office expenses":771803,"Information technology":1943152,"Royalties":0,"Occupancy":310354,"Travel":111168,"Conferences and meetings":4551,"Interest":2526767,"Payments to affiliates":0,"Depreciation and depletion":481542,"Insurance":144045,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":5602052,"EQUIPMENT MAINTENANCE":1742940,"LOAN SERVICING":1537008,"MISCELLANEOUS EXPENSES":1369458,"BANK & CREDIT CARD FEES":952646},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":741105315,"Non-interest bearing cash":6096185,"Savings and temp cash investments":69777363,"Pledges and grants receivable":0,"Accounts receivable":2189595,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":509930618,"Inventories for sale or use":0,"Prepaid expenses deferred charges":965694,"Land, building, equipment":13846957,"Investments publicly traded":119157647,"Investments other":5779044,"Investments program related":0,"Intangible assets":0,"Other assets":13362212},"Liabilities":{"value":698539988,"Sum of Total Liabilities":0,"Accounts payable, accrued":12076862,"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":64000000,"Unsecured notes loans payable":0,"Other liabilities":622463126},"Fund balance":{"value":42565327,"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":0.09338432835573315,"percentile":0.61164873430685},"Liabilities to Assets Ratio":{"score":0.9425650765977842,"percentile":0.05852190884465442},"Operating Reserve Ratio":{"score":22.59929262373344,"percentile":0.9533443985046054},"Officer Compensation Ratio":{"score":0.07984427427348949,"percentile":0.6249736880276741},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07484548787002371,"percentile":0.6970237560301368},"Asset Growth":{"score":0.07139088418569255,"percentile":0.6022215263033502},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6119092238602091,"percentile":0.6399129826655279}},"source_xml":"202511259349302776_public.xml"},{"Organization":{"value":null,"Person":["GAVIN GALIMI","MICHAEL BROUGHTON","JUSTIN HO","LISA ESCOBAR","PEER FISS","JERALD JELLISON","RICHARD MCCORMICK","SAMANTHA SMYTH-PAXSON","GARY PEREZ","DAVID SCHAUER-WEST","MICHAEL ROGERS","JEFF GALLERY","TERE DENISON","DANIEL PARIS","CHRISTINA SCHWARZ","SANDRA GONZALEZ","VALERIE IVES","IRENE RODRIGUEZ"],"Title":["CHAIR","VICE CHAIR","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CHIEF EXECUTIVE OFFICER","CHIEF INFORMATION OFFICER","CHIEF FINANCIAL OFFICER","CHIEF LENDING OFFICER","CHIEF EXPERIENCE OFFICER","VP, HUMAN RESOURCES","VP, REAL ESTATE","VP, RETAIL EXPERIENCE","VP, CONSUMER LENDING","VP, BUSINESS DEVELOPMENT"],"Hours":[1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,368322,205035,201123,177613,160520,159297,153104,149191,155722,152813],"Direct compensation":[0,0,0,0,0,0,0,0,319284,171416,179554,158863,123784,141108,116126,114101,130577,128195],"Other compensation":[0,0,0,0,0,0,0,0,49038,33619,21569,18750,36736,18189,36978,35090,25145,24618]},"Basic":{"value":null,"mission":"To provide financial services to our core membership: faculty, staff, students, and alumni of usc.","year":2021,"name":"USC CREDIT UNION","phone":2138217128,"website":"WWW.USCCREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"GARY PEREZ","year_formation":1973,"state_legal_domicile":"CA","total_volunteers":13,"tax_period_begin":"2021-07-01T00:00:00","tax_period_end":"2022-06-30T00:00:00","address":"3720 S FLOWER ST 4TH FLOOR, LOS ANGELES, CA, 90089, USA","city":"LOS ANGELES","state":"CA","country":"USA","zip_code":90089},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":0,"Total Gross UBI":57896,"Net unrelated business taxable income":5300,"Number of employees":0,"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":21672643,"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":19662485,"Total revenue":{"value":19662485,"INTEREST ON LOANS TO MEMBERS":14818366,"FEES AND CHARGES":3973484,"GAIN ON SALE OF LOANS":524737,"COMMISSION INCOME":334796,"PATRONAGE REFERRAL INCOME":11102},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1622537,"Investment income total":1602928,"Net investment gain":19609,"Income from invest bond proceeds":0},"Other revenues":{"value":387621,"Other total":210858,"Royalties revenue":0,"Net rental income":176763,"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":20738848,"Grant expense":{"value":44107,"Grants to domestic orgs":44107,"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":1206505,"Benefits paid to members Total":1206505},"Salaries":{"value":9642098,"Current officers":1386632,"Disqualified persons":0,"Other salaries and wages":5438495,"Pension plan contributions":369559,"Other employee benefits":1940360,"Payroll taxes":507052},"Other expenses":{"value":9846138,"Management services":0,"Legal":145948,"Accounting":53582,"Lobbying services":6112,"Investment management fees":0,"Other services":1087980,"Advertising":908028,"Office expenses":772298,"Information technology":1415984,"Royalties":0,"Occupancy":335183,"Travel":47680,"Conferences and meetings":6000,"Interest":260894,"Payments to affiliates":0,"Depreciation and depletion":498085,"Insurance":134181,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3517621,"UBIT TAXES":8000,"LOAN SERVICING":1503776,"EQUIPMENT RENTAL & MAIN":1300894,"BANK AND CREDIT CARD FE":704951},"All other expenses":656562},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":754273547,"Non-interest bearing cash":6676250,"Savings and temp cash investments":29071578,"Pledges and grants receivable":0,"Accounts receivable":738086,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":487702380,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1344692,"Land, building, equipment":14463371,"Investments publicly traded":192060757,"Investments other":5222954,"Investments program related":0,"Intangible assets":0,"Other assets":16993479},"Liabilities":{"value":710521770,"Sum of Total Liabilities":0,"Accounts payable, accrued":8151488,"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":6000000,"Unsecured notes loans payable":0,"Other liabilities":696370282},"Fund balance":{"value":43751777,"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":0.043086346229207026,"percentile":0.5092884617069916},"Liabilities to Assets Ratio":{"score":0.9419948145152173,"percentile":0.05859216889286551},"Operating Reserve Ratio":{"score":36.370079331310976,"percentile":0.9736588161614014},"Officer Compensation Ratio":{"score":0.09078324890562871,"percentile":0.583950453884575},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.059074591998974614,"percentile":0.6426060325584689},"Asset Growth":{"score":0.08833910327027525,"percentile":0.6525917853599291},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5891331318142243,"percentile":0.5734656725294842}},"source_xml":"202341259349301734_public.xml"},{"Organization":{"value":null,"Person":["JERALD JELLISON","JULIE NYQUIST","GAVIN GALIMI","MARGARET TURNER","PEER FISS","RICHARD MCCORMICK","JUSTIN HO","LISA ESCOBAR","STAN HENDERSON","REGINA NORDAHL","TERI ADAMS","KRISTEN YOUNG","LUDWIG MUNEVAR","GARY PEREZ","IRENE RODRIGUEZ","RALPH RAMIREZ","CHRISTINE SCHWARZ","DAVID SCHAUER-WEST","TERE DENISON","SANDRA GONZALEZ"],"Title":["BOARD CHAIR, FACULTY REP","BOARD CO-CHAIR, FACULTY RE","TREASURER, ALUMNI REP","SECRETARY, STAFF REP","MEMBER, FACULTY REP","MEMBER, STAFF REP","MEMBER, ALUMNI REP","MEMBER, FACULTY REP","SUPERVISORY COMMITTEE MEMB","SUPERVISORY COMMITTEE CHAI","SUPERVISORY COMMITTEE MEMB","SUPERVISORY COMMITTEE MEMB","CFO","CEO","CHIEF SERVICE OFFICER","CLO","AVP, REAL ESTATE","CIO","CHIEF MARKETING OFFICER","CHIEF ADMINISTRATIVE OFFIER"],"Hours":[1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,175468,276323,135850,171628,135568,140999,138380,121000],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,159516,251203,123500,156025,123244,128181,125800,110000],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,15952,25120,12350,15603,12324,12818,12580,11000]},"Basic":{"value":null,"mission":"To provide financial services to our core membership: faculty, staff, students, and alumni of usc.","year":2014,"name":"USC CREDIT UNION","phone":2138217128,"website":"WWW.USCCREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LUDWIG MUNEVAR","year_formation":1973,"state_legal_domicile":"CA","total_volunteers":15,"tax_period_begin":"2014-07-01T00:00:00","tax_period_end":"2015-06-30T00:00:00","address":"3720 S FLOWER ST 4TH FLOOR, LOS ANGELES, CA, 90089, USA","city":"LOS ANGELES","state":"CA","country":"USA","zip_code":90089},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":12,"Number of independent voting members":12,"Number of employees total":78,"Total Gross UBI":47585,"Net unrelated business taxable income":533,"Number of employees":78,"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":15597284,"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":12513083,"Total revenue":{"value":12513083,"INTEREST ON LOANS TO MEMBERS":9703632,"FEES AND CHARGES":2809451},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1947291,"Investment income total":935372,"Net investment gain":1011919,"Income from invest bond proceeds":0},"Other revenues":{"value":1136910,"Other total":605195,"Royalties revenue":0,"Net rental income":531715,"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":13114775,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":5693705,"Current officers":1295216,"Disqualified persons":0,"Other salaries and wages":2734058,"Pension plan contributions":0,"Other employee benefits":1664431,"Payroll taxes":0},"Other expenses":{"value":7421070,"Management services":0,"Legal":47722,"Accounting":57123,"Lobbying services":0,"Investment management fees":0,"Other services":555489,"Advertising":596950,"Office expenses":330151,"Information technology":0,"Royalties":0,"Occupancy":462420,"Travel":74320,"Conferences and meetings":5584,"Interest":1060506,"Payments to affiliates":0,"Depreciation and depletion":707972,"Insurance":97775,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2843170,"LOAN SERVICING":938867,"BANK AND CREDIT CARD FE":936991,"MISCELLANEOUS EXPENSES":542509,"PROVISION FOR LOAN AND":424803},"All other expenses":581888},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":410807793,"Non-interest bearing cash":48324771,"Savings and temp cash investments":500000,"Pledges and grants receivable":0,"Accounts receivable":2719658,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":294932251,"Inventories for sale or use":0,"Prepaid expenses deferred charges":867021,"Land, building, equipment":15711012,"Investments publicly traded":0,"Investments other":38562996,"Investments program related":0,"Intangible assets":0,"Other assets":9190084},"Liabilities":{"value":376621161,"Sum of Total Liabilities":0,"Accounts payable, accrued":4652283,"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":371968878},"Fund balance":{"value":34186632,"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":0.15916290297721064,"percentile":0.7103625486810937},"Liabilities to Assets Ratio":{"score":0.9167819292074627,"percentile":0.0618952105179497},"Operating Reserve Ratio":{"score":31.324044293554408,"percentile":0.9687894267458514},"Officer Compensation Ratio":{"score":0.09876006260115022,"percentile":0.5561464523158687},"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":0.6208373569505405,"percentile":0.6650482573034906}},"source_xml":"201533179349308403_public.xml"},{"Organization":{"value":null,"Person":["GARY PEREZ","TERE DENISON","MICHAEL ROGERS","DAVID SCHAUER-WEST","JEFF GALLERY","CHRISTINA SCHWARZ","ROCIO FLORES","DANIEL PARIS","IRENE RODRIGUEZ","VALERIE IVES","DANIEL COHEN","GAVIN GALIMI","MICHAEL BROUGHTON","JUSTIN HO","CAROLINA CASTILLO","LISA ESCOBAR","PEER FISS","RICHARD MCCORMICK","SAMANTHA SMYTH-PAXSON","KELLY BERNAL","JERALD JELLISON"],"Title":["CHIEF EXECUTIVE OFFICER","CHIEF MARKETING OFFICER","CHIEF FINANCIAL OFFICER","CHIEF OPERATIONS OFFICER","CHIEF LENDING OFFICER","VP, REAL ESTATE","CHIEF SOCIAL IMPACT OFFICER","VP, HUMAN RESOURCES","VP, BUSINESS DEVELOPMENT","VP, CONSUMER LENDING","VP, INFORMATION TECHNOLOGY","CHAIR","VICE CHAIR","TREASURER","SECRETARY","SECRETARY (THRU 6/23)","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR (THRU 5/23)"],"Hours":[40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5],"Total Compensation":[366033,218511,213753,213463,205017,170042,167218,161732,154838,154486,154304,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[314325,171772,192617,179480,181440,133436,135425,145326,132975,132588,129306,0,0,0,0,0,0,0,0,0,0],"Other compensation":[51708,46739,21136,33983,23577,36606,31793,16406,21863,21898,24998,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide financial services to our core membership: faculty, staff, students, and alumni of usc.","year":2022,"name":"USC CREDIT UNION","phone":2138217128,"website":"WWW.USCCREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"GARY PEREZ","year_formation":1973,"state_legal_domicile":"CA","total_volunteers":13,"tax_period_begin":"2022-07-01T00:00:00","tax_period_end":"2023-06-30T00:00:00","address":"3720 S FLOWER ST 4TH FLOOR, LOS ANGELES, CA, 90089, USA","city":"LOS ANGELES","state":"CA","country":"USA","zip_code":90089},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":0,"Total Gross UBI":52934,"Net unrelated business taxable income":7369,"Number of employees":0,"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":30542999,"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":26187242,"Total revenue":{"value":26187242,"INTEREST ON LOANS TO MEMBERS":21447361,"FEES AND CHARGES":4142190,"GAIN ON SALE OF LOANS":337191,"COMMISSION INCOME":260500},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3836248,"Investment income total":3824174,"Net investment gain":12074,"Income from invest bond proceeds":0},"Other revenues":{"value":519509,"Other total":331601,"Royalties revenue":0,"Net rental income":187908,"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":26026442,"Grant expense":{"value":52519,"Grants to domestic orgs":52519,"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":3348855,"Benefits paid to members Total":3348855},"Salaries":{"value":10764613,"Current officers":1599841,"Disqualified persons":0,"Other salaries and wages":5971792,"Pension plan contributions":515664,"Other employee benefits":2115590,"Payroll taxes":561726},"Other expenses":{"value":11860455,"Management services":0,"Legal":192972,"Accounting":68523,"Lobbying services":6093,"Investment management fees":0,"Other services":1070066,"Advertising":937557,"Office expenses":797771,"Information technology":1592393,"Royalties":0,"Occupancy":323423,"Travel":142045,"Conferences and meetings":0,"Interest":826619,"Payments to affiliates":0,"Depreciation and depletion":481202,"Insurance":140872,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":5280919,"LOAN SERVICING":1772236,"EQUIPMENT MAINTENANCE":1625622,"MISCELLANEOUS EXPENSES":1171528,"BANK & CREDIT CARD FEES":711533},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":741676675,"Non-interest bearing cash":5435121,"Savings and temp cash investments":21801663,"Pledges and grants receivable":0,"Accounts receivable":292073,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":527376578,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1190461,"Land, building, equipment":13791898,"Investments publicly traded":146566229,"Investments other":5878480,"Investments program related":0,"Intangible assets":0,"Other assets":19344172},"Liabilities":{"value":699186011,"Sum of Total Liabilities":0,"Accounts payable, accrued":4837362,"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":39000000,"Unsecured notes loans payable":0,"Other liabilities":655348649},"Fund balance":{"value":42490664,"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":0.147875360896944,"percentile":0.6958337808525888},"Liabilities to Assets Ratio":{"score":0.9427099901719304,"percentile":0.058502449064537644},"Operating Reserve Ratio":{"score":28.497044467315202,"percentile":0.965007894695892},"Officer Compensation Ratio":{"score":0.08373780019566254,"percentile":0.6099054136486244},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06557799419464229,"percentile":0.6663623426621099},"Asset Growth":{"score":0.07996581801995589,"percentile":0.6286251057312283},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6260639875919823,"percentile":0.6794151567989892}},"source_xml":"202401319349305260_public.xml"},{"Organization":{"value":null,"Person":["JERALD JELLISON","JULIE NYQUIST","GAVIN GALIMI","LISA ESCOBAR","PEER FISS","RICHARD MCCORMICK","JUSTIN HO","REGINA NORDAHL","SAMANTHA SMYTH-PAXSON","GARY PEREZ","LUDWIG MUNEVAR","DAVID SCHAUER-WEST","CHRISTINE SCHWARZ","IRENE RODRIGUEZ","TERE DENISON","SANDRA GONZALEZ"],"Title":["CHAIR","VICE CHAIR (RESIGNED 1/18)","TREASURER","SECRETARY","MEMBER","MEMBER","MEMBER","MEMBER","MEMBER","CEO","CFO","CIO","VP, REAL ESTATE","CHIEF SERVICE OFFICER","CHIEF MARKETING OFFICER","CHIEF ADMINISTRATIVE OFFICER"],"Hours":[1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,318257,211362,180462,160126,148514,170943,151436],"Direct compensation":[0,0,0,0,0,0,0,0,0,277814,174707,157086,129397,128502,137963,120229],"Other compensation":[0,0,0,0,0,0,0,0,0,40443,36655,23376,30729,20012,32980,31207]},"Basic":{"value":null,"mission":"To provide financial services to our core membership: faculty, staff, students, and alumni of usc.","year":2017,"name":"USC CREDIT UNION","phone":2138217128,"website":"WWW.USCCREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"GARY PEREZ","year_formation":1973,"state_legal_domicile":"CA","total_volunteers":12,"tax_period_begin":"2017-07-01T00:00:00","tax_period_end":"2018-06-30T00:00:00","address":"3720 S FLOWER ST 4TH FLOOR, LOS ANGELES, CA, 90089, USA","city":"LOS ANGELES","state":"CA","country":"USA","zip_code":90089},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":109,"Total Gross UBI":81790,"Net unrelated business taxable income":36289,"Number of employees":109,"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":24131162,"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":22538953,"Total revenue":{"value":22538953,"INTEREST ON LOANS TO MEMBERS":17437214,"FEES AND CHARGES":3844843,"GAIN ON SALE OF LOANS":485017,"COMMISSION INCOME":406780,"PATRONAGE REFERRAL INCOME":365099},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1329147,"Investment income total":1437350,"Net investment gain":-108203,"Income from invest bond proceeds":0},"Other revenues":{"value":263062,"Other total":42834,"Royalties revenue":0,"Net rental income":220228,"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":19430356,"Grant expense":{"value":42154,"Grants to domestic orgs":42154,"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":2263887,"Benefits paid to members Total":2263887},"Salaries":{"value":7214720,"Current officers":1040709,"Disqualified persons":0,"Other salaries and wages":4207593,"Pension plan contributions":375862,"Other employee benefits":925959,"Payroll taxes":664597},"Other expenses":{"value":9909595,"Management services":0,"Legal":66225,"Accounting":71683,"Lobbying services":5000,"Investment management fees":0,"Other services":587840,"Advertising":785888,"Office expenses":561087,"Information technology":854357,"Royalties":0,"Occupancy":370968,"Travel":74138,"Conferences and meetings":6000,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":469135,"Insurance":108120,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":5294597,"PROVISION FOR LOAN AND":3080000,"LOAN SERVICING":1189391,"BANK AND CREDIT CARD FE":1015656,"UBIT TAXES":9550},"All other expenses":654557},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":521048706,"Non-interest bearing cash":1043002,"Savings and temp cash investments":22118708,"Pledges and grants receivable":0,"Accounts receivable":1423327,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":461977430,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1074036,"Land, building, equipment":14227549,"Investments publicly traded":7108497,"Investments other":1768300,"Investments program related":0,"Intangible assets":0,"Other assets":10307857},"Liabilities":{"value":477526328,"Sum of Total Liabilities":0,"Accounts payable, accrued":3300463,"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":474225865},"Fund balance":{"value":43522378,"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":0.19480230583177055,"percentile":0.7510283432032134},"Liabilities to Assets Ratio":{"score":0.9164715745402887,"percentile":0.061945396266671914},"Operating Reserve Ratio":{"score":26.816220248357777,"percentile":0.9623126032812753},"Officer Compensation Ratio":{"score":0.06902086611279794,"percentile":0.6692618044909348},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.1303334626784162,"percentile":0.820985813797944},"Asset Growth":{"score":0.07553214982002585,"percentile":0.6152115031090658},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6547934678967868,"percentile":0.7532952975802053}},"source_xml":"201843199349309554_public.xml"},{"Organization":{"value":null,"Person":["GARY PEREZ","TERE DENISON","ADAM ENNETT","DAVID SCHAUER-WEST","CHRISTINA SCHWARZ","IRENE RODRIGUEZ","SANDRA GONZALEZ","LUDWIG MUNEVAR","MICHAEL ROGERS","JERALD JELLISON","REGINA NORDAHL","GAVIN GALIMI","LISA ESCOBAR","MICHAEL BROUGHTON","PEER FISS","JUSTIN HO","RICHARD MCCORMICK","SAMANTHA SMYTH-PAXSON"],"Title":["CHIEF EXECUTIVE OFFICER","CHIEF EXPERIENCE OFFICER","CHIEF LENDING OFFICER","CHIEF INFORMATION OFFICER","VP, REAL ESTATE","VP, BUSINESS DEVELOPMENT","VP, RETAIL EXPERIENCE","CFO (RESIGNED 9/19)","CHIEF FINANCIAL OFFICER","CHAIR","VICE CHAIR","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5],"Total Compensation":[344207,234499,207784,205806,165167,150178,144743,111039,54919,0,0,0,0,0,0,0,0,0],"Direct compensation":[293520,190115,182992,165473,129876,126835,111904,88011,54113,0,0,0,0,0,0,0,0,0],"Other compensation":[50687,44384,24792,40333,35291,23343,32839,23028,806,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide financial services to our core membership: faculty, staff, students, and alumni of usc.","year":2019,"name":"USC CREDIT UNION","phone":2138217128,"website":"WWW.USCCREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"GARY PEREZ","year_formation":1973,"state_legal_domicile":"CA","total_volunteers":13,"tax_period_begin":"2019-07-01T00:00:00","tax_period_end":"2020-06-30T00:00:00","address":"3720 S FLOWER ST 4TH FLOOR, LOS ANGELES, CA, 90089, USA","city":"LOS ANGELES","state":"CA","country":"USA","zip_code":90089},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":106,"Total Gross UBI":118081,"Net unrelated business taxable income":60285,"Number of employees":106,"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":25520330,"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":23908245,"Total revenue":{"value":23908245,"INTEREST ON LOANS TO MEMBERS":18982514,"FEES AND CHARGES":3763319,"GAIN ON SALE OF LOANS":894581,"COMMISSION INCOME":244386,"PATRONAGE REFERRAL INCOME":23445},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1321236,"Investment income total":1307934,"Net investment gain":13302,"Income from invest bond proceeds":0},"Other revenues":{"value":290849,"Other total":117031,"Royalties revenue":0,"Net rental income":173818,"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":22753484,"Grant expense":{"value":33350,"Grants to domestic orgs":33350,"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":4073331,"Benefits paid to members Total":4073331},"Salaries":{"value":8993971,"Current officers":1154527,"Disqualified persons":0,"Other salaries and wages":5367714,"Pension plan contributions":381138,"Other employee benefits":1459325,"Payroll taxes":631267},"Other expenses":{"value":9652832,"Management services":0,"Legal":121287,"Accounting":68409,"Lobbying services":0,"Investment management fees":0,"Other services":836046,"Advertising":1009663,"Office expenses":727712,"Information technology":852696,"Royalties":0,"Occupancy":435536,"Travel":78810,"Conferences and meetings":6000,"Interest":5,"Payments to affiliates":0,"Depreciation and depletion":497671,"Insurance":109662,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4109323,"UBIT TAXES":27715,"PROVISION FOR LOAN LOSS":1519698,"BANK AND CREDIT CARD FE":1424089,"LOAN SERVICING":1137821},"All other expenses":800012},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":658998771,"Non-interest bearing cash":8802421,"Savings and temp cash investments":127670323,"Pledges and grants receivable":0,"Accounts receivable":955375,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":448082212,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1039347,"Land, building, equipment":14961580,"Investments publicly traded":36700684,"Investments other":3539060,"Investments program related":0,"Intangible assets":0,"Other assets":17247769},"Liabilities":{"value":606592651,"Sum of Total Liabilities":0,"Accounts payable, accrued":8322696,"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":598269955},"Fund balance":{"value":52406120,"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":0.10841732845931068,"percentile":0.6374107619430576},"Liabilities to Assets Ratio":{"score":0.9204761491125755,"percentile":0.06131735746837683},"Operating Reserve Ratio":{"score":28.96254353838735,"percentile":0.9656962175989575},"Officer Compensation Ratio":{"score":0.0711250197991657,"percentile":0.6602754417847307},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10669959721259403,"percentile":0.7785083980266814},"Asset Growth":{"score":0.08542609841128745,"percentile":0.6443794442511509},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6306760019555857,"percentile":0.6919147993263716}},"source_xml":"202120859349301337_public.xml"},{"Organization":{"value":null,"Person":["JERALD JELLISON","JULIE NYQUIST","GAVIN GALIMI","MARGARET TURNER","PEER FISS","RICHARD MCCORMICK","JUSTIN HO","LISA ESCOBAR","STAN HENDERSON","REGINA NORDAHL","TERI ADAMS","KRISTEN YOUNG","SAMANTHA SMYTH-PAXSON","TED BUDGE","GARY PEREZ","LUDWIG MUNEVAR","RALPH RAMIREZ","DAVID SCHAUER-WEST","TERE DENISON","IRENE RODRIGUEZ","CHRISTINE SCHWARZ","SANDRA GONZALEZ"],"Title":["BOARD CHAIR","BOARD VICE CHAIR","TREASURER","MEMBER","MEMBER","MEMBER","MEMBER","SECRETARY","SUPERVISORY COMMITTEE MEMB","SUPERVISORY COMMITTEE CHAI","SUPERVISORY COMMITTEE MEMB","SUPERVISORY COMMITTEE MEMB","MEMBER","SUPERVISORY COMMITTEE MEMBER","CEO","CFO","CLO","CIO","CHIEF MARKETING OFFICER","CHIEF SERVICE OFFICER","VP, REAL ESTATE","CHIEF ADMINISTRATIVE OFFIE"],"Hours":[1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,309583,168344,181486,152968,143431,150678,150378,135959],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,262507,165099,159145,134590,129574,125970,126942,113300],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,47076,3245,22341,18378,13857,24708,23436,22659]},"Basic":{"value":null,"mission":"To provide financial services to our core membership: faculty, staff, students, and alumni of usc.","year":2015,"name":"USC CREDIT UNION","phone":2138217128,"website":"WWW.USCCREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LUDWIG MUNEVAR","year_formation":1973,"state_legal_domicile":"CA","total_volunteers":14,"tax_period_begin":"2015-07-01T00:00:00","tax_period_end":"2016-06-30T00:00:00","address":"3720 S FLOWER ST 4TH FLOOR, LOS ANGELES, CA, 90089, USA","city":"LOS ANGELES","state":"CA","country":"USA","zip_code":90089},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":14,"Number of independent voting members":14,"Number of employees total":74,"Total Gross UBI":54832,"Net unrelated business taxable income":5139,"Number of employees":74,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":16990886,"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":14440773,"Total revenue":{"value":14440773,"INTEREST ON LOANS TO MEMBERS":11369599,"FEES AND CHARGES":3071174},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1564662,"Investment income total":723984,"Net investment gain":840678,"Income from invest bond proceeds":0},"Other revenues":{"value":985451,"Other total":453736,"Royalties revenue":0,"Net rental income":531715,"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":15713774,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":6409680,"Current officers":1392827,"Disqualified persons":0,"Other salaries and wages":3197058,"Pension plan contributions":0,"Other employee benefits":1819795,"Payroll taxes":0},"Other expenses":{"value":9304094,"Management services":0,"Legal":93701,"Accounting":51879,"Lobbying services":0,"Investment management fees":0,"Other services":602234,"Advertising":673649,"Office expenses":346949,"Information technology":0,"Royalties":0,"Occupancy":454694,"Travel":74623,"Conferences and meetings":7043,"Interest":1129803,"Payments to affiliates":0,"Depreciation and depletion":726445,"Insurance":104980,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4285987,"LOAN SERVICING":1261404,"PROVISION FOR LOAN AND":1202500,"BANK AND CREDIT CARD FE":948661,"MISCELLANEOUS EXPENSES":873422},"All other expenses":752107},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":447978819,"Non-interest bearing cash":36823444,"Savings and temp cash investments":2739000,"Pledges and grants receivable":0,"Accounts receivable":1635913,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":343630459,"Inventories for sale or use":0,"Prepaid expenses deferred charges":917987,"Land, building, equipment":15360942,"Investments publicly traded":0,"Investments other":35495518,"Investments program related":0,"Intangible assets":0,"Other assets":11375556},"Liabilities":{"value":412503060,"Sum of Total Liabilities":0,"Accounts payable, accrued":5048270,"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":407454790},"Fund balance":{"value":35475759,"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":0.07516453232633072,"percentile":0.5776575153989083},"Liabilities to Assets Ratio":{"score":0.9208092938876201,"percentile":0.06127557015107344},"Operating Reserve Ratio":{"score":28.50867137328054,"percentile":0.9650240619983715},"Officer Compensation Ratio":{"score":0.0886373318083867,"percentile":0.5917544261499248},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.08191919359511542,"percentile":0.7180397502583394},"Asset Growth":{"score":0.06762005540754985,"percentile":0.5898646051518619},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6056910410984745,"percentile":0.6220615500852634}},"source_xml":"201633169349302963_public.xml"},{"Organization":{"value":null,"Person":["JERALD JELLISON","JULIE NYQUIST","GAVIN GALIMI","MARGARET TURNER","PEER FISS","RICHARD MCCORMICK","JOHN KIMBALL DIETRICH","JUSTIN HO","LISA ESCOBAR","STAN SETTLES","HOWARD LEVY","STAN HENDERSON","ED BECKER","LUDWIG MUNEVAR","GARY PEREZ","IRENE RODRIGUEZ","RALPH RAMIREZ","CHRISTINE SCHWARZ","DAVID SCHAUER-WEST","TERE DENISON","MICHAEL KIM"],"Title":["BOARD CHAIR, FACULTY REP","BOARD CO-CHAIR, FACULTY RE","TREASURER, ALUMNI REP","SECRETARY, STAFF REP","MEMBER, FACULTY REP","MEMBER, STAFF REP","MEMBER, FACULTY REP","MEMBER, ALUMNI REP","SUPERVISORY COMMITTEE CHAI","SUPERVISORY COMMITTEE MEMB","SUPERVISORY COMMITTEE MEMB","SUPERVISORY COMMITTEE MEMB","SUPERVISORY COMMITTEE MEMB","CFO","CEO","VP, BUSINESS DEVELOPMENT","COO","AVP, REAL ESTATE","CIO","CHIEF MARKETING OFFICER","VP, LENDING"],"Hours":[1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,169125,266979,113729,168676,132911,135576,125841,132530],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,153750,242708,103390,153342,120828,123251,114401,120482],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,15375,24271,10339,15334,12083,12325,11440,12048]},"Basic":{"value":null,"mission":"To provide financial services to our core membership: faculty, staff, students, and alumni of usc.","year":2013,"name":"USC CREDIT UNION","phone":2138217128,"website":"WWW.USCCREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LUDWIG MUNEVAR","year_formation":1973,"state_legal_domicile":"CA","total_volunteers":15,"tax_period_begin":"2013-07-01T00:00:00","tax_period_end":"2014-06-30T00:00:00","address":"3720 S FLOWER ST 4TH FLOOR, LOS ANGELES, CA, 90007, USA","city":"LOS ANGELES","state":"CA","country":"USA","zip_code":90007},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":13,"Number of independent voting members":13,"Number of employees total":73,"Total Gross UBI":50550,"Net unrelated business taxable income":6232,"Number of employees":73,"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":14423450,"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":11704011,"Total revenue":{"value":11704011,"INTEREST ON LOANS TO MEMBERS":9038057,"FEES AND CHARGES":2665954},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1801553,"Investment income total":781491,"Net investment gain":1020062,"Income from invest bond proceeds":0},"Other revenues":{"value":917886,"Other total":386171,"Royalties revenue":0,"Net rental income":531715,"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":12429497,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":5283955,"Current officers":1245367,"Disqualified persons":0,"Other salaries and wages":2484477,"Pension plan contributions":0,"Other employee benefits":1554111,"Payroll taxes":0},"Other expenses":{"value":7145542,"Management services":0,"Legal":67465,"Accounting":77173,"Lobbying services":0,"Investment management fees":0,"Other services":600672,"Advertising":484208,"Office expenses":313975,"Information technology":0,"Royalties":0,"Occupancy":447007,"Travel":60445,"Conferences and meetings":8187,"Interest":1067852,"Payments to affiliates":0,"Depreciation and depletion":659202,"Insurance":87418,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2553336,"BANK AND CREDIT CARD FE":868027,"LOAN SERVICING":838377,"MISCELLANEOUS EXPENSES":603273,"PROVISION FOR LOAN AND":243659},"All other expenses":718602},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":391610855,"Non-interest bearing cash":51881623,"Savings and temp cash investments":13466716,"Pledges and grants receivable":0,"Accounts receivable":2973699,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":252001717,"Inventories for sale or use":0,"Prepaid expenses deferred charges":957431,"Land, building, equipment":16298829,"Investments publicly traded":0,"Investments other":45507656,"Investments program related":0,"Intangible assets":0,"Other assets":8523184},"Liabilities":{"value":359887190,"Sum of Total Liabilities":0,"Accounts payable, accrued":4821485,"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":355065705},"Fund balance":{"value":31723665,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":31723665,"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":0.13824383209287652,"percentile":0.6826876182444378},"Liabilities to Assets Ratio":{"score":0.918991865023762,"percentile":0.061549236111452514},"Operating Reserve Ratio":{"score":31.50657303348639,"percentile":0.9690090999682919},"Officer Compensation Ratio":{"score":0.10019448091905891,"percentile":0.55136219095337},"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":0.6142750171105015,"percentile":0.6467074622083948}},"source_xml":"201423189349304497_public.xml"},{"Organization":{"value":null,"Person":["GARY PEREZ","TERE DENISON","DAVID SCHAUER-WEST","MICHAEL ROGERS","CHRISTINA SCHWARZ","IRENE RODRIGUEZ","SANDRA GONZALEZ","ADAM ENNETT","DANIEL FERNANDEZ","DANIEL PARIS","JERALD JELLISON","MICHAEL BROUGHTON","REGINA NORDAHL","GAVIN GALIMI","LISA ESCOBAR","PEER FISS","JUSTIN HO","RICHARD MCCORMICK","SAMANTHA SMYTH-PAXSON"],"Title":["CHIEF EXECUTIVE OFFICER","CHIEF EXPERIENCE OFFICER","CHIEF INFORMATION OFFICER","CHIEF FINANCIAL OFFICER","VP, REAL ESTATE","VP, BUSINESS DEVELOPMENT","VP, RETAIL EXPERIENCE","CHIEF LENDING OFFICER (LEFT 9/20)","VP, COMMUNITY DEVELOPMENT","VP, HUMAN RESOURCES","CHAIR","VICE CHAIR","FORMER VICE CHAIR (LEFT 11/20)","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5],"Total Compensation":[355226,229364,201030,186316,173351,149256,147176,141433,135285,119381,0,0,0,0,0,0,0,0,0],"Direct compensation":[302350,183230,165905,178901,135669,126408,112794,122106,125674,106223,0,0,0,0,0,0,0,0,0],"Other compensation":[52876,46134,35125,7415,37682,22848,34382,19327,9611,13158,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide financial services to our core membership: faculty, staff, students, and alumni of usc.","year":2020,"name":"USC CREDIT UNION","phone":2138217128,"website":"WWW.USCCREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"GARY PEREZ","year_formation":1973,"state_legal_domicile":"CA","total_volunteers":13,"tax_period_begin":"2020-07-01T00:00:00","tax_period_end":"2021-06-30T00:00:00","address":"3720 S FLOWER ST 4TH FLOOR, LOS ANGELES, CA, 90089, USA","city":"LOS ANGELES","state":"CA","country":"USA","zip_code":90089},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":123,"Total Gross UBI":33764,"Net unrelated business taxable income":6585,"Number of employees":123,"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":22826821,"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":21476873,"Total revenue":{"value":21476873,"INTEREST ON LOANS TO MEMBERS":16179912,"FEES AND CHARGES":3409114,"GAIN ON SALE OF LOANS":1639454,"COMMISSION INCOME":231074,"PATRONAGE REFERRAL INCOME":17319},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":946147,"Investment income total":890004,"Net investment gain":56143,"Income from invest bond proceeds":0},"Other revenues":{"value":403801,"Other total":203317,"Royalties revenue":0,"Net rental income":200484,"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":20426302,"Grant expense":{"value":62000,"Grants to domestic orgs":62000,"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":1811021,"Benefits paid to members Total":1811021},"Salaries":{"value":8818090,"Current officers":970236,"Disqualified persons":0,"Other salaries and wages":5266400,"Pension plan contributions":352347,"Other employee benefits":1537255,"Payroll taxes":691852},"Other expenses":{"value":9735191,"Management services":0,"Legal":114723,"Accounting":61581,"Lobbying services":7802,"Investment management fees":0,"Other services":1152379,"Advertising":665458,"Office expenses":738670,"Information technology":982649,"Royalties":0,"Occupancy":315342,"Travel":11250,"Conferences and meetings":6000,"Interest":167225,"Payments to affiliates":0,"Depreciation and depletion":516872,"Insurance":120630,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3442501,"UBIT TAXES":8530,"LOAN SERVICING":1604810,"EQUIPMENT RENTAL & MAIN":944161,"PROVISION FOR LOAN LOSS":885000},"All other expenses":1432109},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":740787156,"Non-interest bearing cash":4207897,"Savings and temp cash investments":162238951,"Pledges and grants receivable":0,"Accounts receivable":689747,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":405542201,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1475553,"Land, building, equipment":14666495,"Investments publicly traded":112462910,"Investments other":19238469,"Investments program related":0,"Intangible assets":0,"Other assets":20264933},"Liabilities":{"value":686970764,"Sum of Total Liabilities":0,"Accounts payable, accrued":5057777,"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":4000000,"Unsecured notes loans payable":0,"Other liabilities":677912987},"Fund balance":{"value":53816392,"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":0.10516221246927025,"percentile":0.6320079222626954},"Liabilities to Assets Ratio":{"score":0.927352422940767,"percentile":0.0603599362866315},"Operating Reserve Ratio":{"score":36.26633719603284,"percentile":0.9735773733751608},"Officer Compensation Ratio":{"score":0.08997311407615534,"percentile":0.5868397648503306},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.08012120474378864,"percentile":0.7128693218166156},"Asset Growth":{"score":0.09171503553056075,"percentile":0.6617410936947601},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6200271685884904,"percentile":0.662793230038579}},"source_xml":"202133169349305148_public.xml"},{"Organization":{"value":null,"Person":["JERALD JELLISON","JULIE NYQUIST","GAVIN GALIMI","PEER FISS","RICHARD MCCORMICK","JUSTIN HO","LISA ESCOBAR","STAN HENDERSON","REGINA NORDAHL","TERI ADAMS","KRISTEN YOUNG","SAMANTHA SMYTH-PAXSON","TED BUDGE","GARY PEREZ","LUDWIG MUNEVAR","DAVID SCHAUER-WEST","IRENE RODRIGUEZ","CHRISTINE SCHWARZ","TERE DENISON","SANDRA GONZALEZ"],"Title":["BOARD CHAIR","BOARD VICE CHAIR","TREASURER","MEMBER","MEMBER","MEMBER","SECRETARY","SUPERVISORY COMMITTEE MEMB","MEMBER","SUPERVISORY COMMITTEE CHAIR","SUPERVISORY COMMITTEE MEMB","MEMBER","SUPERVISORY COMMITTEE MEMB","CEO","CFO","CIO","CHIEF SERVICE OFFICER","VP, REAL ESTATE","CHIEF MARKETING OFFICER","CHIEF ADMINISTRATIVE OFFICER"],"Hours":[1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,318744,179040,177070,150536,161078,150489,141857],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,269070,171703,154300,127230,136763,135961,118632],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,49674,7337,22770,23306,24315,14528,23225]},"Basic":{"value":null,"mission":"To provide financial services to our core membership: faculty, staff, students, and alumni of usc.","year":2016,"name":"USC CREDIT UNION","phone":2138217128,"website":"WWW.USCCREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"LUDWIG MUNEVAR","year_formation":1973,"state_legal_domicile":"CA","total_volunteers":13,"tax_period_begin":"2016-07-01T00:00:00","tax_period_end":"2017-06-30T00:00:00","address":"3720 S FLOWER ST 4TH FLOOR, LOS ANGELES, CA, 90089, USA","city":"LOS ANGELES","state":"CA","country":"USA","zip_code":90089},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":13,"Number of independent voting members":13,"Number of employees total":81,"Total Gross UBI":68902,"Net unrelated business taxable income":19421,"Number of employees":81,"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":19918533,"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":17499455,"Total revenue":{"value":17499455,"INTEREST ON LOANS TO MEMBERS":14056962,"FEES AND CHARGES":3442493},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1534879,"Investment income total":654817,"Net investment gain":880062,"Income from invest bond proceeds":0},"Other revenues":{"value":884199,"Other total":352484,"Royalties revenue":0,"Net rental income":531715,"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":16518581,"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":1230285,"Benefits paid to members Total":1230285},"Salaries":{"value":6560989,"Current officers":1113659,"Disqualified persons":0,"Other salaries and wages":3502525,"Pension plan contributions":0,"Other employee benefits":1944805,"Payroll taxes":0},"Other expenses":{"value":8727307,"Management services":0,"Legal":89127,"Accounting":65698,"Lobbying services":0,"Investment management fees":0,"Other services":890889,"Advertising":721634,"Office expenses":337009,"Information technology":0,"Royalties":0,"Occupancy":491379,"Travel":42487,"Conferences and meetings":10469,"Interest":343,"Payments to affiliates":0,"Depreciation and depletion":719552,"Insurance":107206,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4532193,"LOAN SERVICING":1339480,"PROVISION FOR LOAN AND":1125500,"MISCELLANEOUS EXPENSES":1119105,"BANK AND CREDIT CARD FE":948108},"All other expenses":719321},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":494188625,"Non-interest bearing cash":21708770,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":2396581,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":406743183,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1063607,"Land, building, equipment":14742379,"Investments publicly traded":0,"Investments other":29343204,"Investments program related":0,"Intangible assets":0,"Other assets":18190901},"Liabilities":{"value":455433316,"Sum of Total Liabilities":0,"Accounts payable, accrued":4786419,"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":450646897},"Fund balance":{"value":38755309,"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":0.17069289189118494,"percentile":0.7244600675935801},"Liabilities to Assets Ratio":{"score":0.9215779015553018,"percentile":0.061159016310163496},"Operating Reserve Ratio":{"score":29.917135436754524,"percentile":0.9670330514227328},"Officer Compensation Ratio":{"score":0.07741669820186128,"percentile":0.6346208414263507},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10685080011695178,"percentile":0.7788124420643526},"Asset Growth":{"score":0.07907992333117832,"percentile":0.6259874672923582},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6443488958781002,"percentile":0.7275326709974016}},"source_xml":"201713189349313696_public.xml"},{"Organization":{"value":null,"Person":["JERALD JELLISON","REGINA NORDAHL","GAVIN GALIMI","LISA ESCOBAR","MICHAEL BROUGHTON","PEER FISS","JUSTIN HO","RICHARD MCCORMICK","SAMANTHA SMYTH-PAXSON","GARY PEREZ","DAVID SCHAUER-WEST","LUDWIG MUNEVAR","TERE DENISON","ADAM ENNETT","IRENE RODRIGUEZ","SANDRA GONZALEZ","CHRISTINE SCHWARZ","DANIEL COHEN"],"Title":["CHAIR","VICE CHAIR","TREASURER","SECRETARY","MEMBER","MEMBER","MEMBER","MEMBER","MEMBER","CEO","COO","CFO","CHIEF EXPERIENCE OFFICER","CHIEF LENDING OFFICER","VP, BUSINESS DEVELOPMENT","VP, RETAIL EXPERIENCE","VP, REAL ESTATE","SOFTWARE DEVELOPMENT MANAGER"],"Hours":[1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,366053,228945,234786,229226,151272,157885,156226,153469,117194],"Direct compensation":[0,0,0,0,0,0,0,0,0,315214,191094,190152,185736,138695,135086,125408,119418,101180],"Other compensation":[0,0,0,0,0,0,0,0,0,50839,37851,44634,43490,12577,22799,30818,34051,16014]},"Basic":{"value":null,"mission":"To provide financial services to our core membership: faculty, staff, students, and alumni of usc.","year":2018,"name":"USC CREDIT UNION","phone":2138217128,"website":"WWW.USCCREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"GARY PEREZ","year_formation":1973,"state_legal_domicile":"CA","total_volunteers":13,"tax_period_begin":"2018-07-01T00:00:00","tax_period_end":"2019-06-30T00:00:00","address":"3720 S FLOWER ST 4TH FLOOR, LOS ANGELES, CA, 90089, USA","city":"LOS ANGELES","state":"CA","country":"USA","zip_code":90089},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":93,"Total Gross UBI":153689,"Net unrelated business taxable income":97561,"Number of employees":93,"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":25756718,"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":24564365,"Total revenue":{"value":24537173,"INTEREST ON LOANS TO MEMBERS":19803700,"FEES AND CHARGES":4101325,"COMMISSION INCOME":333058,"GAIN ON SALE OF LOANS":183099,"PATRONAGE REFERRAL INCOME":115991},"Total other revenue":27192,"Unrelated business revenue":0},"Investment income":{"value":937482,"Investment income total":972510,"Net investment gain":-35028,"Income from invest bond proceeds":0},"Other revenues":{"value":254871,"Other total":40848,"Royalties revenue":0,"Net rental income":214023,"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":20292680,"Grant expense":{"value":49500,"Grants to domestic orgs":49500,"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":3456134,"Benefits paid to members Total":3456134},"Salaries":{"value":7815710,"Current officers":1210281,"Disqualified persons":0,"Other salaries and wages":4455392,"Pension plan contributions":342806,"Other employee benefits":1029368,"Payroll taxes":777863},"Other expenses":{"value":8971336,"Management services":0,"Legal":103725,"Accounting":48630,"Lobbying services":0,"Investment management fees":0,"Other services":736405,"Advertising":752626,"Office expenses":731536,"Information technology":902249,"Royalties":0,"Occupancy":378870,"Travel":103739,"Conferences and meetings":6804,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":416459,"Insurance":103785,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3932219,"PROVISION FOR LOAN AND":1570000,"LOAN SERVICING":1203757,"BANK AND CREDIT CARD FE":1138979,"UBIT TAXES":19483},"All other expenses":754289},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":570309713,"Non-interest bearing cash":3230084,"Savings and temp cash investments":69372945,"Pledges and grants receivable":0,"Accounts receivable":1176126,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":460964081,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1046874,"Land, building, equipment":15102941,"Investments publicly traded":4891832,"Investments other":2081535,"Investments program related":0,"Intangible assets":0,"Other assets":12443295},"Liabilities":{"value":521285783,"Sum of Total Liabilities":0,"Accounts payable, accrued":6105148,"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":515180635},"Fund balance":{"value":49023930,"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":0.2121403045217174,"percentile":0.768171302830285},"Liabilities to Assets Ratio":{"score":0.9140398122589927,"percentile":0.06233069991298406},"Operating Reserve Ratio":{"score":28.10420866046279,"percentile":0.964405460587249},"Officer Compensation Ratio":{"score":0.08845830121994729,"percentile":0.5923927509356317},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.12502319397896383,"percentile":0.812529134054024},"Asset Growth":{"score":0.07679538742165869,"percentile":0.6190790862578981},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6527543980115842,"percentile":0.7483716747297157}},"source_xml":"202002029349300950_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["GARY PEREZ","TERESA DENISON","DAVID SCHAUER-WEST","MICHAEL ROGERS","JEFF GALLERY","TONYA PEREZ-WRIGHT","ROCIO FLORES","DANIEL COHEN","DANIEL PARIS","CHRISTINA SCHWARZ","VALERIE IVES","IRENE RODRIGUEZ","GAVIN GALIMI","MICHAEL BROUGHTON","JUSTIN HO","CAROLINA CASTILLO","KELLY BERNAL","PEER FISS","RICHARD MCCORMICK","SAMANTHA SMYTH-PAXSON","THEODORE BUDGE"],"Title":["CHIEF EXECUTIVE OFFICER","CHIEF MARKETING OFFICER","CHIEF INFORMATION OFFICER","CHIEF FINANCIAL OFFICER","CHIEF LENDING OFFICER","CHIEF EXPERIENCE OFFICER","CHIEF SOCIAL IMPACT OFFICER","VP, INFORMATION TECHNOLOGY","VP, HUMAN RESOURCES","VP, REAL ESTATE LENDING","VP, CONSUMER LENDING","VP, BUSINESS DEVELOPMENT","CHAIR","VICE CHAIR","TREASURER","SECRETARY","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5],"Total Compensation":[402109,243332,238986,237237,230925,205467,202498,188790,180113,175147,173986,139767,0,0,0,0,0,0,0,0,0],"Direct compensation":[330479,180995,184808,201681,189261,162979,154860,154022,157351,137153,138629,111947,0,0,0,0,0,0,0,0,0],"Other compensation":[71630,62337,54178,35556,41664,42488,47638,34768,22762,37994,35357,27820,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide financial services to our core membership: faculty, staff, students, and alumni of usc.","year":2023,"name":"USC CREDIT UNION","phone":2138217128,"website":"WWW.USCCREDITUNION.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"GARY PEREZ","year_formation":1973,"state_legal_domicile":"CA","total_volunteers":14,"tax_period_begin":"2023-07-01T00:00:00","tax_period_end":"2024-06-30T00:00:00","address":"3720 S FLOWER ST 4TH FLOOR, LOS ANGELES, CA, 90089, USA","city":"LOS ANGELES","state":"CA","country":"USA","zip_code":90089},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":0,"Total Gross UBI":64536,"Net unrelated business taxable income":22488,"Number of employees":0,"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":36171112,"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":30124646,"Total revenue":{"value":30124646,"INTEREST ON LOANS TO MEMBERS":25732359,"FEES AND CHARGES":3983602,"COMMISSION INCOME":301305,"GAIN ON SALE OF LOANS":107380},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":5579171,"Investment income total":5538839,"Net investment gain":40332,"Income from invest bond proceeds":0},"Other revenues":{"value":467295,"Other total":280620,"Royalties revenue":0,"Net rental income":186675,"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":32793297,"Grant expense":{"value":61905,"Grants to domestic orgs":61905,"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":6632789,"Benefits paid to members Total":6632789},"Salaries":{"value":11306302,"Current officers":2026495,"Disqualified persons":0,"Other salaries and wages":6123250,"Pension plan contributions":327296,"Other employee benefits":2217490,"Payroll taxes":611771},"Other expenses":{"value":14792301,"Management services":0,"Legal":165107,"Accounting":63216,"Lobbying services":6500,"Investment management fees":0,"Other services":1471334,"Advertising":1190710,"Office expenses":771803,"Information technology":1943152,"Royalties":0,"Occupancy":310354,"Travel":111168,"Conferences and meetings":4551,"Interest":2526767,"Payments to affiliates":0,"Depreciation and depletion":481542,"Insurance":144045,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":5602052,"EQUIPMENT MAINTENANCE":1742940,"LOAN SERVICING":1537008,"MISCELLANEOUS EXPENSES":1369458,"BANK & CREDIT CARD FEES":952646},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":741105315,"Non-interest bearing cash":6096185,"Savings and temp cash investments":69777363,"Pledges and grants receivable":0,"Accounts receivable":2189595,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":509930618,"Inventories for sale or use":0,"Prepaid expenses deferred charges":965694,"Land, building, equipment":13846957,"Investments publicly traded":119157647,"Investments other":5779044,"Investments program related":0,"Intangible assets":0,"Other assets":13362212},"Liabilities":{"value":698539988,"Sum of Total Liabilities":0,"Accounts payable, accrued":12076862,"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":64000000,"Unsecured notes loans payable":0,"Other liabilities":622463126},"Fund balance":{"value":42565327,"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":0.09338432835573315,"percentile":0.61164873430685},"Liabilities to Assets Ratio":{"score":0.9425650765977842,"percentile":0.05852190884465442},"Operating Reserve Ratio":{"score":22.59929262373344,"percentile":0.9533443985046054},"Officer Compensation Ratio":{"score":0.07984427427348949,"percentile":0.6249736880276741},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07484548787002371,"percentile":0.6970237560301368},"Asset Growth":{"score":0.07139088418569255,"percentile":0.6022215263033502},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6119092238602091,"percentile":0.6399129826655279}},"source_xml":"202511259349302776_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}