diff --git a/backend/app/agents/analyst/__init__.py b/backend/app/agents/analyst/__init__.py new file mode 100644 index 0000000..6442d10 --- /dev/null +++ b/backend/app/agents/analyst/__init__.py @@ -0,0 +1,112 @@ +from __future__ import annotations + +from typing import Any, Iterable, List + +from app.agents.form_auditor.models import ExtractedIrsForm990PfDataSchema + +from .agent import agent +from .metrics import SnapshotBundle, build_key_metrics, build_snapshots +from .models import AnalystReport, AnalystState + +__all__ = ["build_performance_report"] + + +def _resolve_year( + entry: dict[str, Any], extraction: ExtractedIrsForm990PfDataSchema +) -> int: + candidates: Iterable[Any] = ( + entry.get("calendar_year"), + entry.get("year"), + entry.get("tax_year"), + entry.get("return_year"), + entry.get("metadata", {}).get("return_year") + if isinstance(entry.get("metadata"), dict) + else None, + entry.get("metadata", {}).get("tax_year") + if isinstance(entry.get("metadata"), dict) + else None, + extraction.core_organization_metadata.calendar_year, + ) + for candidate in candidates: + if candidate in (None, ""): + continue + try: + return int(candidate) + except (TypeError, ValueError): + continue + raise ValueError("Unable to determine filing year for one of the payload entries.") + + +async def build_performance_report(payloads: List[dict[str, Any]]) -> AnalystReport: + if not payloads: + raise ValueError("At least one payload is required for performance analysis.") + + bundles: List[SnapshotBundle] = [] + + organisation_name = "" + organisation_ein = "" + + for entry in payloads: + if not isinstance(entry, dict): + raise TypeError("Each payload entry must be a dict.") + + extraction_payload = entry.get("extraction") if "extraction" in entry else entry + extraction = ExtractedIrsForm990PfDataSchema.model_validate(extraction_payload) + year = _resolve_year(entry, extraction) + + if not organisation_ein: + organisation_ein = extraction.core_organization_metadata.ein + organisation_name = extraction.core_organization_metadata.legal_name + else: + if extraction.core_organization_metadata.ein != organisation_ein: + raise ValueError( + "All payload entries must belong to the same organization." + ) + + bundles.append(SnapshotBundle(year=year, extraction=extraction)) + + bundles.sort(key=lambda bundle: bundle.year) + snapshots = build_snapshots(bundles) + metrics = build_key_metrics(snapshots) + + notes = [] + if metrics: + revenue_metric = metrics[0] + expense_metric = metrics[1] if len(metrics) > 1 else None + if revenue_metric.cagr is not None: + notes.append(f"Revenue CAGR: {revenue_metric.cagr:.2%}") + if expense_metric and expense_metric.cagr is not None: + notes.append(f"Expense CAGR: {expense_metric.cagr:.2%}") + surplus_metric = next( + (m for m in metrics if m.name == "Operating Surplus"), None + ) + if surplus_metric: + last_value = surplus_metric.points[-1].value if surplus_metric.points else 0 + notes.append(f"Latest operating surplus: {last_value:,.0f}") + + state = AnalystState( + organisation_name=organisation_name, + organisation_ein=organisation_ein, + series=snapshots, + key_metrics=metrics, + notes=notes, + ) + + prompt = ( + "Analyze the provided multi-year financial context. Quantify notable trends, " + "call out risks or strengths, and supply actionable recommendations. " + "Capture both positive momentum and areas requiring attention." + ) + result = await agent.run(prompt, deps=state) + report = result.output + + years = [snapshot.year for snapshot in snapshots] + + return report.model_copy( + update={ + "organisation_name": organisation_name, + "organisation_ein": organisation_ein, + "years_analyzed": years, + "key_metrics": metrics, + } + ) diff --git a/backend/app/agents/analyst/agent.py b/backend/app/agents/analyst/agent.py new file mode 100644 index 0000000..bcbd88f --- /dev/null +++ b/backend/app/agents/analyst/agent.py @@ -0,0 +1,33 @@ +from __future__ import annotations + +from pydantic_ai import Agent +from pydantic_ai.models.openai import OpenAIChatModel +from pydantic_ai.providers.azure import AzureProvider + +from app.core.config import settings + +from .models import AnalystReport, AnalystState + +provider = AzureProvider( + azure_endpoint=settings.AZURE_OPENAI_ENDPOINT, + api_version=settings.AZURE_OPENAI_API_VERSION, + api_key=settings.AZURE_OPENAI_API_KEY, +) + +model = OpenAIChatModel(model_name="gpt-4o", provider=provider) + +agent = Agent( + model=model, + name="MultiYearAnalyst", + deps_type=AnalystState, + output_type=AnalystReport, + system_prompt=( + "You are a nonprofit financial analyst. You receive multi-year Form 990 extractions " + "summarized into deterministic metrics (series, ratios, surplus, CAGR). Use the context " + "to highlight performance trends, governance implications, and forward-looking risks. " + "Focus on numeric trends: revenue growth, expense discipline, surplus stability, " + "program-vs-admin mix, and fundraising efficiency. Provide concise bullet insights, " + "clear recommendations tied to the data, and a balanced outlook (strengths vs watch items). " + "Only cite facts available in the provided series—do not invent figures." + ), +) diff --git a/backend/app/agents/analyst/metrics.py b/backend/app/agents/analyst/metrics.py new file mode 100644 index 0000000..17b1117 --- /dev/null +++ b/backend/app/agents/analyst/metrics.py @@ -0,0 +1,197 @@ +from __future__ import annotations + +from dataclasses import dataclass +from typing import Iterable, List, Sequence, Tuple + +from app.agents.form_auditor.models import ExtractedIrsForm990PfDataSchema + +from .models import TrendDirection, TrendMetric, TrendMetricPoint, YearlySnapshot + + +@dataclass +class SnapshotBundle: + year: int + extraction: ExtractedIrsForm990PfDataSchema + + +def _safe_ratio(numerator: float, denominator: float) -> float | None: + if denominator in (0, None): + return None + try: + return numerator / denominator + except ZeroDivisionError: + return None + + +def _growth(current: float, previous: float | None) -> float | None: + if previous in (None, 0): + return None + try: + return (current - previous) / previous + except ZeroDivisionError: + return None + + +def _direction_from_points(values: Sequence[float | None]) -> TrendDirection: + clean = [value for value in values if value is not None] + if len(clean) < 2: + return TrendDirection.STABLE + + start, end = clean[0], clean[-1] + if start is None or end is None: + return TrendDirection.STABLE + + delta = end - start + tolerance = abs(start) * 0.02 if start else 0.01 + if abs(delta) <= tolerance: + return TrendDirection.STABLE + + if len(clean) > 2: + swings = sum( + 1 + for idx in range(1, len(clean) - 1) + if (clean[idx] - clean[idx - 1]) * (clean[idx + 1] - clean[idx]) < 0 + ) + if swings >= len(clean) // 2: + return TrendDirection.VOLATILE + + return TrendDirection.IMPROVING if delta > 0 else TrendDirection.DECLINING + + +def _cagr(start: float | None, end: float | None, periods: int) -> float | None: + if start is None or end is None or start <= 0 or end <= 0 or periods <= 0: + return None + return (end / start) ** (1 / periods) - 1 + + +def build_snapshots(bundles: Sequence[SnapshotBundle]) -> List[YearlySnapshot]: + snapshots: List[YearlySnapshot] = [] + previous_revenue = None + previous_expenses = None + + for bundle in bundles: + rev = bundle.extraction.revenue_breakdown.total_revenue + exp = bundle.extraction.expenses_breakdown.total_expenses + program = bundle.extraction.expenses_breakdown.program_services_expenses + admin = bundle.extraction.expenses_breakdown.management_general_expenses + fundraising = bundle.extraction.expenses_breakdown.fundraising_expenses + + snapshots.append( + YearlySnapshot( + year=bundle.year, + total_revenue=rev, + total_expenses=exp, + revenue_growth=_growth(rev, previous_revenue), + expense_growth=_growth(exp, previous_expenses), + surplus=rev - exp, + program_ratio=_safe_ratio(program, exp), + admin_ratio=_safe_ratio(admin, exp), + fundraising_ratio=_safe_ratio(fundraising, exp), + net_margin=_safe_ratio(rev - exp, rev), + ) + ) + previous_revenue = rev + previous_expenses = exp + + return snapshots + + +def _metric_from_series( + name: str, + unit: str, + description: str, + values: Iterable[Tuple[int, float | None]], +) -> TrendMetric: + points = [ + TrendMetricPoint(year=year, value=value or 0.0, growth=None) + for year, value in values + ] + + for idx in range(1, len(points)): + prev = points[idx - 1].value + curr = points[idx].value + points[idx].growth = _growth(curr, prev) + + data_values = [point.value for point in points] + direction = _direction_from_points(data_values) + cagr = None + if len(points) >= 2: + cagr = _cagr(points[0].value, points[-1].value, len(points) - 1) + + return TrendMetric( + name=name, + unit=unit, + description=description, + points=points, + cagr=cagr, + direction=direction, + ) + + +def build_key_metrics(snapshots: Sequence[YearlySnapshot]) -> List[TrendMetric]: + if not snapshots: + return [] + + metrics = [ + _metric_from_series( + "Total Revenue", + "USD", + "Reported total revenue in Part I.", + [(snap.year, snap.total_revenue) for snap in snapshots], + ), + _metric_from_series( + "Total Expenses", + "USD", + "Reported total expenses in Part I.", + [(snap.year, snap.total_expenses) for snap in snapshots], + ), + _metric_from_series( + "Operating Surplus", + "USD", + "Difference between total revenue and total expenses.", + [(snap.year, snap.surplus) for snap in snapshots], + ), + _metric_from_series( + "Program Service Ratio", + "Ratio", + "Program service expenses divided by total expenses.", + [ + ( + snap.year, + snap.program_ratio if snap.program_ratio is not None else 0.0, + ) + for snap in snapshots + ], + ), + _metric_from_series( + "Administrative Ratio", + "Ratio", + "Management & general expenses divided by total expenses.", + [ + (snap.year, snap.admin_ratio if snap.admin_ratio is not None else 0.0) + for snap in snapshots + ], + ), + _metric_from_series( + "Fundraising Ratio", + "Ratio", + "Fundraising expenses divided by total expenses.", + [ + ( + snap.year, + snap.fundraising_ratio + if snap.fundraising_ratio is not None + else 0.0, + ) + for snap in snapshots + ], + ), + ] + + for metric in metrics: + if metric.name.endswith("Ratio"): + metric.notes = "Higher values indicate greater spending share." + elif metric.name == "Operating Surplus": + metric.notes = "Positive surplus implies revenues exceeded expenses." + + return metrics diff --git a/backend/app/agents/analyst/models.py b/backend/app/agents/analyst/models.py new file mode 100644 index 0000000..48a9213 --- /dev/null +++ b/backend/app/agents/analyst/models.py @@ -0,0 +1,74 @@ +from __future__ import annotations + +from enum import Enum +from typing import List + +from pydantic import BaseModel, Field + + +class TrendDirection(str, Enum): + IMPROVING = "Improving" + DECLINING = "Declining" + STABLE = "Stable" + VOLATILE = "Volatile" + + +class TrendMetricPoint(BaseModel): + year: int + value: float + growth: float | None = Field( + default=None, description="Year-over-year growth expressed as a decimal." + ) + + +class TrendMetric(BaseModel): + name: str + unit: str + description: str + points: List[TrendMetricPoint] + cagr: float | None = Field( + default=None, + description="Compound annual growth rate across the analyzed period.", + ) + direction: TrendDirection = Field( + default=TrendDirection.STABLE, description="Overall direction of the metric." + ) + notes: str | None = None + + +class TrendInsight(BaseModel): + category: str + direction: TrendDirection + summary: str + confidence: float = Field(default=0.7, ge=0.0, le=1.0) + + +class AnalystReport(BaseModel): + organisation_name: str + organisation_ein: str + years_analyzed: List[int] = Field(default_factory=list) + key_metrics: List[TrendMetric] = Field(default_factory=list) + insights: List[TrendInsight] = Field(default_factory=list) + recommendations: List[str] = Field(default_factory=list) + outlook: str = "Pending analysis" + + +class YearlySnapshot(BaseModel): + year: int + total_revenue: float + total_expenses: float + revenue_growth: float | None = None + expense_growth: float | None = None + surplus: float | None = None + program_ratio: float | None = None + admin_ratio: float | None = None + fundraising_ratio: float | None = None + net_margin: float | None = None + + +class AnalystState(BaseModel): + organisation_name: str + organisation_ein: str + series: List[YearlySnapshot] + key_metrics: List[TrendMetric] + notes: List[str] = Field(default_factory=list) diff --git a/backend/app/agents/form_auditor/models.py b/backend/app/agents/form_auditor/models.py index 800fffd..a1fc8d4 100644 --- a/backend/app/agents/form_auditor/models.py +++ b/backend/app/agents/form_auditor/models.py @@ -106,6 +106,11 @@ class CoreOrganizationMetadata(BaseModel): incorporation_state: str = Field( ..., description="State of incorporation.", title="Incorporation State" ) + calendar_year: str | None = Field( + default=None, + description="Calendar year covered by the return (if different from fiscal year).", + title="Calendar Year", + ) class RevenueBreakdown(BaseModel): @@ -579,6 +584,7 @@ def _transform_flat_payload(data: dict[str, Any]) -> dict[str, Any]: "organization_type": get_str("organization_type"), "year_of_formation": get_str("year_of_formation"), "incorporation_state": get_str("incorporation_state"), + "calendar_year": get_str("calendar_year"), }, "revenue_breakdown": { "total_revenue": get_value("total_revenue"), diff --git a/backend/app/routers/agent.py b/backend/app/routers/agent.py index b79f2fe..dee9e85 100644 --- a/backend/app/routers/agent.py +++ b/backend/app/routers/agent.py @@ -1,4 +1,5 @@ import json +import logging from dataclasses import dataclass from typing import Annotated, Any @@ -10,7 +11,7 @@ from pydantic_ai.ui.vercel_ai import VercelAIAdapter from starlette.requests import Request from starlette.responses import Response -from app.agents import form_auditor, web_search +from app.agents import analyst, form_auditor, web_search from app.core.config import settings from app.services.extracted_data_service import get_extracted_data_service @@ -24,27 +25,43 @@ model = OpenAIChatModel(model_name="gpt-4o", provider=provider) @dataclass class Deps: - extracted_data: dict[str, Any] + extracted_data: list[dict[str, Any]] agent = Agent(model=model, deps_type=Deps) router = APIRouter(prefix="/api/v1/agent", tags=["Agent"]) +logger = logging.getLogger(__name__) + @agent.tool async def build_audit_report(ctx: RunContext[Deps]): """Calls the audit subagent to get a full audit report of the organization""" - data = ctx.deps.extracted_data - - with open("data/audit_report.json", "w") as f: - json.dump(data, f) + data = ctx.deps.extracted_data[0] result = await form_auditor.build_audit_report(data) return result.model_dump() +@agent.tool +async def build_analysis_report(ctx: RunContext[Deps]): + """Calls the analyst subagent to get a full report of the organization's performance across years""" + data = ctx.deps.extracted_data + if not data: + raise ValueError("No extracted data available for analysis.") + + if len(data) == 1: + logger.info( + "build_analysis_report called with single-year data; report will still be generated but trends may be limited." + ) + + result = await analyst.build_performance_report(data) + + return result.model_dump() + + @agent.tool_plain async def search_web_information(query: str, max_results: int = 5): """Search the web for up-to-date information using Tavily. Use this when you need current information, news, research, or facts not in your knowledge base.""" @@ -61,6 +78,8 @@ async def chat(request: Request, tema: Annotated[str, Header()]) -> Response: extracted_data = [doc.get_extracted_data() for doc in data] - deps = Deps(extracted_data=extracted_data[0]) + logger.info(f"Extracted data amount: {len(extracted_data)}") + + deps = Deps(extracted_data=extracted_data) return await VercelAIAdapter.dispatch_request(request, agent=agent, deps=deps) diff --git a/backend/data/schemas/schema_103b7090a542.json b/backend/data/schemas/schema_103b7090a542.json index c7de5ba..b971622 100644 --- a/backend/data/schemas/schema_103b7090a542.json +++ b/backend/data/schemas/schema_103b7090a542.json @@ -12,6 +12,15 @@ "max_value": null, "pattern": "^\\d{2}-\\d{7}$" }, + { + "name": "calendar_year", + "type": "integer", + "description": "Calendar year for which the data is reported", + "required": true, + "min_value": null, + "max_value": null, + "pattern": null + }, { "name": "legal_name", "type": "string", @@ -764,4 +773,4 @@ "updated_at": "2025-11-07T23:45:00.000000", "tema": "IRS_FORM_990PF", "is_global": true -} \ No newline at end of file +} diff --git a/frontend/src/components/AnalystReport.tsx b/frontend/src/components/AnalystReport.tsx new file mode 100644 index 0000000..c465749 --- /dev/null +++ b/frontend/src/components/AnalystReport.tsx @@ -0,0 +1,230 @@ +import { + TrendingUp, + TrendingDown, + Activity, + Info, + Target, + Lightbulb, + ArrowRight, + AlertTriangle, +} from "lucide-react"; + +type TrendDirection = "Improving" | "Declining" | "Stable" | "Volatile"; + +interface TrendMetricPoint { + year: number; + value: number; + growth?: number | null; +} + +interface TrendMetric { + name: string; + unit: string; + description: string; + points: TrendMetricPoint[]; + cagr?: number | null; + direction: TrendDirection; + notes?: string | null; +} + +interface TrendInsight { + category: string; + direction: TrendDirection; + summary: string; + confidence: number; +} + +interface AnalystReportData { + organisation_name: string; + organisation_ein: string; + years_analyzed: number[]; + key_metrics: TrendMetric[]; + insights: TrendInsight[]; + recommendations: string[]; + outlook: string; +} + +interface AnalystReportProps { + data: AnalystReportData; +} + +const directionBadgeClasses: Record = { + Improving: "bg-green-100 text-green-700 border-green-200", + Declining: "bg-red-100 text-red-700 border-red-200", + Stable: "bg-blue-100 text-blue-700 border-blue-200", + Volatile: "bg-yellow-100 text-yellow-700 border-yellow-200", +}; + +const directionIcon = (direction: TrendDirection) => { + switch (direction) { + case "Improving": + return ; + case "Declining": + return ; + case "Volatile": + return ; + default: + return ; + } +}; + +const formatNumber = (value: number, unit: string) => { + if (unit === "USD") { + return `$${value.toLocaleString("en-US", { + maximumFractionDigits: 0, + })}`; + } + if (unit === "Ratio") { + return `${(value * 100).toFixed(1)}%`; + } + return value.toLocaleString("en-US", { maximumFractionDigits: 2 }); +}; + +const formatPercent = (value?: number | null) => { + if (value === undefined || value === null || Number.isNaN(value)) { + return "—"; + } + return `${(value * 100).toFixed(1)}%`; +}; + +export function AnalystReport({ data }: AnalystReportProps) { + const { + organisation_name, + organisation_ein, + years_analyzed, + key_metrics, + insights, + recommendations, + outlook, + } = data; + + return ( +
+
+
+
+

+ Multi-year performance analysis +

+

+ {organisation_name} +

+

+ EIN {organisation_ein} • {years_analyzed.join(" – ")} +

+
+
+ Outlook +

{outlook}

+
+
+
+ + {/* Key Metrics */} + {key_metrics.length > 0 && ( +
+

+ + Core Trend Metrics +

+
+ {key_metrics.slice(0, 4).map((metric, index) => { + const latest = metric.points[metric.points.length - 1]; + const prior = + metric.points.length > 1 + ? metric.points[metric.points.length - 2] + : null; + const yoy = latest && prior ? formatPercent(latest.growth) : "—"; + return ( +
+
+
+ {metric.name} +
+ + {directionIcon(metric.direction)} + {metric.direction} + +
+

+ {latest ? formatNumber(latest.value, metric.unit) : "—"} +

+
+ YoY: {yoy} + CAGR: {formatPercent(metric.cagr)} +
+ {metric.notes && ( +

{metric.notes}

+ )} +
+ ); + })} +
+
+ )} + + {/* Insights */} + {insights.length > 0 && ( +
+

+ + Key Insights +

+
+ {insights.map((insight, index) => ( +
+
+
+ {directionIcon(insight.direction)} + {insight.category} +
+ + {Math.round(insight.confidence * 100)}% confidence + +
+

{insight.summary}

+
+ ))} +
+
+ )} + + {/* Recommendations */} + {recommendations.length > 0 && ( +
+

+ + Recommended Actions +

+
    + {recommendations.map((rec, index) => ( +
  • + + {rec} +
    • + ))} +
+
+ )} + + {/* Empty states fallback */} + {recommendations.length === 0 && insights.length === 0 && ( +
+ + No trend insights available yet. Try requesting an annual comparison. +
+ )} +
+ ); +} diff --git a/frontend/src/components/ChatTab.tsx b/frontend/src/components/ChatTab.tsx index 60cfd12..ef824bd 100644 --- a/frontend/src/components/ChatTab.tsx +++ b/frontend/src/components/ChatTab.tsx @@ -29,6 +29,7 @@ import { User, } from "lucide-react"; import { AuditReport } from "./AuditReport"; +import { AnalystReport } from "./AnalystReport"; import { WebSearchResults } from "./WebSearchResults"; import { Loader } from "@/components/ai-elements/loader"; import { DefaultChatTransport } from "ai"; @@ -244,6 +245,51 @@ export function ChatTab({ selectedTema }: ChatTabProps) { default: return null; } + case "tool-build_analysis_report": + switch (part.state) { + case "input-available": + return ( +
+
+ + Generando análisis histórico... + +
+ ); + case "output-available": + return ( +
+
+ +
+
+ ); + case "output-error": + return ( +
+
+ + + Error generando análisis histórico + +
+

+ {part.errorText} +

+
+ ); + default: + return null; + } case "tool-search_web_information": switch (part.state) { case "input-available": diff --git a/redis_data/appendonlydir/appendonly.aof.1.incr.aof b/redis_data/appendonlydir/appendonly.aof.1.incr.aof index f0fc949..3fd8b75 100644 --- a/redis_data/appendonlydir/appendonly.aof.1.incr.aof +++ b/redis_data/appendonlydir/appendonly.aof.1.incr.aof @@ -300,3 +300,424 @@ $20 extraction_timestamp $26 2025-11-08T16:17:31.137820 +*2 +$6 +SELECT +$1 +0 +*14 +$4 +HSET +$44 +extracted_doc:doc:01K9MH40SHHNWXNGAP4MDX6HZF +$2 +pk +$26 +01K9MH40SHHNWXNGAP4MDX6HZF +$9 +file_name +$21 +tax_year_2019_990.pdf +$4 +tema +$4 +ABBY +$15 +collection_name +$4 +ABBY +$19 +extracted_data_json +$4954 +{ + "ein": "31-0329725", + "legal_name": "Abbey Credit Union Inc", + "phone_number": "937-898-7800", + "website_url": "www.abbeycu.com", + "return_type": "990", + "amended_return": "", + "group_exemption_number": "", + "subsection_code": "501(c)(14)", + "ruling_date": "", + "accounting_method": "Accrual", + "organization_type": "Corporation", + "year_of_formation": "1937", + "incorporation_state": "OH", + "total_revenue": 4659611, + "contributions_gifts_grants": 0, + "program_service_revenue": 4114069, + "membership_dues": 0, + "investment_income": 545542, + "gains_losses_sales_assets": 0, + "rental_income": 6725, + "related_organizations_revenue": 0, + "gaming_revenue": 0, + "other_revenue": 0, + "government_grants": 0, + "foreign_contributions": 0, + "total_expenses": 4159254, + "program_services_expenses": 0, + "management_general_expenses": 0, + "fundraising_expenses": 0, + "grants_us_organizations": 0, + "grants_us_individuals": 0, + "grants_foreign_organizations": 0, + "grants_foreign_individuals": 0, + "compensation_officers": 338208, + "compensation_other_staff": 1018956, + "payroll_taxes_benefits": 309032, + "professional_fees": 34366, + "office_occupancy_costs": 0, + "information_technology_costs": 0, + "travel_conference_expenses": 0, + "depreciation_amortization": 0, + "insurance": 0, + "officers_list": [ + "Michael Thein, Chairman", + "Nancy Wood, Vice Chairman", + "Steve Wilmoth, Treasurer", + "Julie Trick, Secretary", + "Michele Blake, Board Member", + "Cheryl Saunders, Board Member", + "Heather Scaggs-Richardson, Board Member", + "Dean Pielemeier, CEO", + "Teri Puthoff, VP of Finance", + "Blanca Ortiz, VP of Business Development" + ], + "governing_body_size": 7, + "independent_members": 7, + "financial_statements_reviewed": "Yes", + "form_990_provided_to_governing_body": "Yes", + "conflict_of_interest_policy": "Yes", + "whistleblower_policy": "Yes", + "document_retention_policy": "Yes", + "ceo_compensation_review_process": "Compensation for Dean Pielemeier, CEO is reviewed by the Personnel Committee of the board of directors and is acted upon by the board of directors per committee recommendation Compensation for officers is determined by Dean Pielemeier, CEO", + "public_disclosure_practices": "Documents are not made available to the public", + "program_accomplishments_list": [ + "Our mission is to help our members improve their economic well-being and quality of life by being competitive, convenient, and cutting edge", + "LENDING - ABBEY PROVIDES PERSONAL, VEHICLE, MORTGAGE, AND CREDIT CARD LOANS TO ITS MEMBERS.", + "FINANCIAL SERVICES - ABBEY PROVIDES CHECKING ACCOUNTS, SAVINGS ACCOUNTS, MONEY MARKET ACCOUNTS" + ], + "total_fundraising_event_revenue": 0, + "total_fundraising_event_expenses": 0, + "professional_fundraiser_fees": 0, + "number_of_employees": 36, + "number_of_volunteers": 7, + "occupancy_costs": 0, + "fundraising_method_descriptions": "", + "joint_ventures_disregarded_entities": "", + "base_compensation": 154796, + "bonus": 6409, + "incentive": 0, + "other_compensation": 4642, + "non_fixed_compensation": "", + "first_class_travel": "", + "housing_allowance": "", + "expense_account_usage": "", + "supplemental_retirement": "Yes", + "lobbying_expenditures_direct": 0, + "lobbying_expenditures_grassroots": 0, + "election_501h_status": "", + "political_campaign_expenditures": 0, + "related_organizations_affiliates": "", + "investment_types": "", + "donor_restricted_endowment_values": 0, + "net_appreciation_depreciation": 281072, + "related_organization_transactions": "", + "loans_to_from_related_parties": "LYNN COOK, PRIOR CEO, LIFE INSURAN, Loan from organization, $140,000 balance due", + "penalties_excise_taxes_reported": "", + "unrelated_business_income_disclosure": "Yes", + "foreign_bank_account_reporting": "No", + "schedule_o_narrative_explanations": "Our mission is to help our members improve their economic well-being and quality of life by being competitive, convenient, and cutting edge. Membership to Abbey is open to those who live, work, or worship, or attend school in Montgomery, Miami, Shelby, Darke, or Greene counties. Abbey Credit Union is owned by these people that open an account at Abbey CU. Yes - Each member gets one vote at the annual election. Yes - Pursuant to the regulation of the Ohio Division of Credit Unions. The VP of Finance prepared the Form 990 based on financial records Financial statements are audited annually The CEO reviews the returns prior to filing. The Credit Union has a written conflict of interest policy that states that board members are responsible for disclosing possible conflicts of interest as they arise This is reviewed annually. Compensation for Dean Pielemeier, CEO is reviewed by the Personnel Committee of the board of directors and is acted upon by the board of directors per committee recommendation Compensation for officers is determined by Dean Pielemeier, CEO." +} +$20 +extraction_timestamp +$26 +2025-11-09T14:42:59.494840 +*10 +$4 +HSET +$56 +:app.models.dataroom.DataRoom:01K9MNBVRY6KVF4XCK70JF70T0 +$2 +pk +$26 +01K9MNBVRY6KVF4XCK70JF70T0 +$4 +name +$5 +ABBEY +$10 +collection +$5 +abbey +$7 +storage +$5 +abbey +*14 +$4 +HSET +$44 +extracted_doc:doc:01K9MNMNYH1MYP0TQ5SWZRS5BG +$2 +pk +$26 +01K9MNMNYH1MYP0TQ5SWZRS5BG +$9 +file_name +$21 +tax_year_2022_990.pdf +$4 +tema +$5 +ABBEY +$15 +collection_name +$5 +ABBEY +$19 +extracted_data_json +$5525 +{ + "ein": "31-0329725", + "calendar_year": 2022, + "legal_name": "0220 ABBEY CREDIT UNION INC", + "phone_number": "(397) 898-7800", + "website_url": "www.abbeycu.com", + "return_type": "990", + "amended_return": "", + "group_exemption_number": "", + "subsection_code": "501(c)(14)", + "ruling_date": "", + "accounting_method": "Accrual", + "organization_type": "Corporation", + "year_of_formation": "1937", + "incorporation_state": "OH", + "total_revenue": 6146738, + "contributions_gifts_grants": 0, + "program_service_revenue": 5656278, + "membership_dues": 0, + "investment_income": 490460, + "gains_losses_sales_assets": 0, + "rental_income": 0, + "related_organizations_revenue": 0, + "gaming_revenue": 0, + "other_revenue": 0, + "government_grants": 0, + "foreign_contributions": 0, + "total_expenses": 5526970, + "program_services_expenses": 386454, + "management_general_expenses": 5140516, + "fundraising_expenses": 0, + "grants_us_organizations": 0, + "grants_us_individuals": 0, + "grants_foreign_organizations": 0, + "grants_foreign_individuals": 0, + "compensation_officers": 629393, + "compensation_other_staff": 1329887, + "payroll_taxes_benefits": 452511, + "professional_fees": 96462, + "office_occupancy_costs": 292244, + "information_technology_costs": 287125, + "travel_conference_expenses": 26662, + "depreciation_amortization": 236836, + "insurance": 39570, + "officers_list": [ + "Lisa Burk, Chief Experience Officer, 40.00 hrs/wk, Officer, $73,286 compensation, $8,931 other compensation", + "Eric Stetzel, VP of Business Services, 40.00 hrs/wk, Key employee, $111,064 compensation, $15,979 other compensation", + "Dean Pielemeier, CEO, 40.00 hrs/wk, Officer, $212,994 compensation, $20,202 other compensation", + "Blanca Criner, Chief Marketing and Business Development Officer, 40.00 hrs/wk, Officer, $121,036 compensation, $4,540 other compensation", + "Teri Puthoff, CFO, 40.00 hrs/wk, Officer, $120,962 compensation, $15,754 other compensation", + "Michael Thein, Chairman, 1.00 hrs/wk, Individual trustee or director, $0 compensation", + "Latham Farley, Board Member, 1.00 hrs/wk, Individual trustee or director, $0 compensation", + "Steve Wilmoth, Treasurer, 1.00 hrs/wk, Individual trustee or director, $0 compensation", + "Julie Trick, Secretary, 1.00 hrs/wk, Individual trustee or director, $0 compensation", + "Michele Blake, Board Member, 1.00 hrs/wk, Individual trustee or director, $0 compensation", + "Cheryl Saunders, Board Member, 1.00 hrs/wk, Individual trustee or director, $0 compensation", + "Heather Scaggs-Richardson, Vice Chairman, 1.00 hrs/wk, Individual trustee or director, $0 compensation" + ], + "governing_body_size": 7, + "independent_members": 7, + "financial_statements_reviewed": "No", + "form_990_provided_to_governing_body": "Yes", + "conflict_of_interest_policy": "Yes", + "whistleblower_policy": "Yes", + "document_retention_policy": "Yes", + "ceo_compensation_review_process": "Approval of Compensation Committee and Board of Directors", + "public_disclosure_practices": "Audited financial statements are handed out each year at the annual meeting. Other documents are not made available to the public unless requested.", + "program_accomplishments_list": [ + "Abbey provides checking savings accounts money market accounts certificates of deposit and IRAs. Abbey also offers free atm debit card services wire transfer services mobile banking and insurance related products.", + "Abbey provides personal vehicle mortgage and credit card loans to its members." + ], + "total_fundraising_event_revenue": 0, + "total_fundraising_event_expenses": 0, + "professional_fundraiser_fees": 0, + "number_of_employees": 50, + "number_of_volunteers": 7, + "occupancy_costs": 132399, + "fundraising_method_descriptions": "", + "joint_ventures_disregarded_entities": "", + "base_compensation": 544779, + "bonus": 34315, + "incentive": 59692, + "other_compensation": 0, + "non_fixed_compensation": "", + "first_class_travel": "No", + "housing_allowance": "No", + "expense_account_usage": "No", + "supplemental_retirement": "No", + "lobbying_expenditures_direct": 0, + "lobbying_expenditures_grassroots": 0, + "election_501h_status": "", + "political_campaign_expenditures": 0, + "related_organizations_affiliates": "", + "investment_types": "Publicly traded securities", + "donor_restricted_endowment_values": 0, + "net_appreciation_depreciation": -2190939, + "related_organization_transactions": "", + "loans_to_from_related_parties": "Lynn Cook (Retired CEO) and Dean Pielemeier (CEO) received life insurance loans from the organization, each with a balance due of $1,400,000 and $1,239,997 respectively.", + "penalties_excise_taxes_reported": "No", + "unrelated_business_income_disclosure": "Yes", + "foreign_bank_account_reporting": "No", + "schedule_o_narrative_explanations": "Membership to Abbey is open to those who live work worship or attend school in Montgomery Miami Shelby Darke or Greene counties. Abbey CU is owned by the people who open a savings account at Abbey CU. Each member has one vote at the annual election of the Board of Directors. Decisions that require their approval: Ohio Division of Financial Institutions Pursuant to regulation. CFO prepares the form and CEO reviews before submitting. Approval of Compensation Committee and Board of Directors for CEO compensation. Audited financial statements are handed out each year at the annual meeting. Other documents are not made available to the public unless requested." +} +$20 +extraction_timestamp +$26 +2025-11-09T16:01:59.759953 +*14 +$4 +HSET +$44 +extracted_doc:doc:01K9MP8DBNWMRH9A966RRJ4E7V +$2 +pk +$26 +01K9MP8DBNWMRH9A966RRJ4E7V +$9 +file_name +$21 +tax_year_2019_990.pdf +$4 +tema +$5 +ABBEY +$15 +collection_name +$5 +ABBEY +$19 +extracted_data_json +$4959 +{ + "ein": "31-0329725", + "calendar_year": 2019, + "legal_name": "Abbey Credit Union Inc", + "phone_number": "937-898-7800", + "website_url": "www.abbeycu.com", + "return_type": "990", + "amended_return": "", + "group_exemption_number": "", + "subsection_code": "501(c)(14)", + "ruling_date": "", + "accounting_method": "Accrual", + "organization_type": "Corporation", + "year_of_formation": "1937", + "incorporation_state": "OH", + "total_revenue": 4659611, + "contributions_gifts_grants": 0, + "program_service_revenue": 4114069, + "membership_dues": 0, + "investment_income": 545542, + "gains_losses_sales_assets": 0, + "rental_income": 6725, + "related_organizations_revenue": 0, + "gaming_revenue": 0, + "other_revenue": 0, + "government_grants": 0, + "foreign_contributions": 0, + "total_expenses": 4159254, + "program_services_expenses": 0, + "management_general_expenses": 0, + "fundraising_expenses": 0, + "grants_us_organizations": 0, + "grants_us_individuals": 0, + "grants_foreign_organizations": 0, + "grants_foreign_individuals": 0, + "compensation_officers": 338208, + "compensation_other_staff": 1018956, + "payroll_taxes_benefits": 273057, + "professional_fees": 34366, + "office_occupancy_costs": 200152, + "information_technology_costs": 0, + "travel_conference_expenses": 46563, + "depreciation_amortization": 0, + "insurance": 0, + "officers_list": { + "value": [ + "Michael Thein, Chairman", + "Nancy Wood, Vice Chairman", + "Steve Wilmoth, Treasurer", + "Julie Trick, Secretary", + "Michele Blake, Board Member", + "Cheryl Saunders, Board Member", + "Heather Scaggs-Richardson, Board Member", + "Dean Pielemeier, CEO", + "Teri Puthoff, VP of Finance", + "Blanca Ortiz, VP of Business Development" + ], + "chunk_references": [] + }, + "governing_body_size": 7, + "independent_members": 7, + "financial_statements_reviewed": "Yes", + "form_990_provided_to_governing_body": "Yes", + "conflict_of_interest_policy": "Yes", + "whistleblower_policy": "Yes", + "document_retention_policy": "Yes", + "ceo_compensation_review_process": "Compensation for Dean Pielemeier, CEO is reviewed by the Personnel Committee of the board of directors and is acted upon by the board of directors per committee recommendation.", + "public_disclosure_practices": "Documents are not made available to the public", + "program_accomplishments_list": { + "value": [ + "LENDING - ABBEY PROVIDES PERSONAL, VEHICLE, MORTGAGE, AND CREDIT CARD LOANS TO ITS MEMBERS.", + "FINANCIAL SERVICES - ABBEY PROVIDES CHECKING ACCOUNTS, SAVINGS ACCOUNTS, MONEY MARKET ACCOUNTS, ..." + ], + "chunk_references": [] + }, + "total_fundraising_event_revenue": 0, + "total_fundraising_event_expenses": 0, + "professional_fundraiser_fees": 0, + "number_of_employees": 36, + "number_of_volunteers": 7, + "occupancy_costs": 87912, + "fundraising_method_descriptions": "", + "joint_ventures_disregarded_entities": "", + "base_compensation": 154796, + "bonus": 6409, + "incentive": 0, + "other_compensation": 4642, + "non_fixed_compensation": "", + "first_class_travel": "", + "housing_allowance": "", + "expense_account_usage": "", + "supplemental_retirement": "Yes", + "lobbying_expenditures_direct": 0, + "lobbying_expenditures_grassroots": 0, + "election_501h_status": "", + "political_campaign_expenditures": 0, + "related_organizations_affiliates": "", + "investment_types": "", + "donor_restricted_endowment_values": 0, + "net_appreciation_depreciation": 281072, + "related_organization_transactions": "", + "loans_to_from_related_parties": "Loans to prior CEO Lynn Cook for life insurance, $1,400,000 total outstanding.", + "penalties_excise_taxes_reported": "", + "unrelated_business_income_disclosure": "Yes", + "foreign_bank_account_reporting": "No", + "schedule_o_narrative_explanations": "Our mission is to help our members improve their economic well-being and quality of life by being competitive, convenient, and cutting edge. 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Documents are not made available to the public." +} +$20 +extraction_timestamp +$26 +2025-11-09T16:12:46.318554 diff --git a/redis_data/dump.rdb b/redis_data/dump.rdb index 16dd08b..79fded5 100644 Binary files a/redis_data/dump.rdb and b/redis_data/dump.rdb differ