Civic Intelligence

Postal Family Credit Union Inc

EIN 31-0240910 • 501(c)14 • Cincinnati, OH

View Organization Page

Profile

To promote thrift and to provide financial services to its members.

PO Box 14403Cincinnati, OH 45250

www.urmycu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

18th percentile

0.83x

Higher debt load relative to assets than 18% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

57th percentile

16.17x

Higher debt load relative to revenue than 57% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

71st percentile

18%

Higher net margin than 71% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

52nd percentile

$162,303

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 5.0% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

25th percentile

-1.8%

Faster asset growth than 25% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

26th percentile

3.5%

Faster revenue growth than 26% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets18th percentile

Assets

Down

$63,909,183

Down $1,163,247 (-1.8%) from 2023

Liabilities

Down

$52,944,896

Down $1,744,245 (-3.2%) from 2023

Net Assets

Up

$10,964,287

Up $580,998 (+5.6%) from 2023

Operations
Liabilities / Revenue57th percentileNet Margin71st percentile

Revenue

Up

$3,273,932

Up $110,383 (+3.5%) from 2023

Expenses

Up

$2,692,934

Up $551,154 (+26%) from 2023

Net Income

Down

$580,998

Down $440,771 (-43%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth25th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$80M$60M$40M$20M$0Assets 2010: $57,090,008Liabilities 2010: $49,888,533Net Assets 2010: $7,201,4752010Assets 2011: $58,467,813Liabilities 2011: $51,165,017Net Assets 2011: $7,302,7962011Assets 2012: $60,291,485Liabilities 2012: $52,751,007Net Assets 2012: $7,540,4782012Assets 2013: $61,132,521Liabilities 2013: $53,445,975Net Assets 2013: $7,686,5462013Assets 2014: $60,177,467Liabilities 2014: $52,420,710Net Assets 2014: $7,756,7572014Assets 2015: $60,691,391Liabilities 2015: $52,860,850Net Assets 2015: $7,830,5412015Assets 2016: $60,414,215Liabilities 2016: $52,419,313Net Assets 2016: $7,994,9022016Assets 2017: $58,730,808Liabilities 2017: $50,497,036Net Assets 2017: $8,233,7722017Assets 2018: $59,119,229Liabilities 2018: $50,580,545Net Assets 2018: $8,538,6842018Assets 2019: $58,676,596Liabilities 2019: $49,831,408Net Assets 2019: $8,845,1882019Assets 2020: $62,710,792Liabilities 2020: $53,711,445Net Assets 2020: $8,999,3472020Assets 2021: $67,568,091Liabilities 2021: $58,424,832Net Assets 2021: $9,143,2592021Assets 2022: $66,060,866Liabilities 2022: $56,426,638Net Assets 2022: $9,634,2282022Assets 2023: $65,072,430Liabilities 2023: $54,689,141Net Assets 2023: $10,383,2892023Assets 2024: $63,909,183Liabilities 2024: $52,944,896Net Assets 2024: $10,964,2872024

Highlighted filing

2024

Assets$63,909,183
Liabilities$52,944,896
Net Assets$10,964,287
Open 2024 Filing

Operations Trend

Revenue Growth26th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $2,827,2092010Expenses 2011: $2,519,1792011Expenses 2012: $2,312,5952012Revenue 2013: $2,315,684Expenses 2013: $2,169,616Net Income 2013: $146,0682013Revenue 2014: $2,241,652Expenses 2014: $2,171,441Net Income 2014: $70,2112014Revenue 2015: $2,178,731Expenses 2015: $2,104,947Net Income 2015: $73,7842015Revenue 2016: $2,103,218Expenses 2016: $1,938,857Net Income 2016: $164,3612016Revenue 2017: $2,187,498Expenses 2017: $1,948,628Net Income 2017: $238,8702017Revenue 2018: $2,443,053Expenses 2018: $2,138,141Net Income 2018: $304,9122018Revenue 2019: $2,627,724Expenses 2019: $2,321,220Net Income 2019: $306,5042019Revenue 2020: $2,264,394Expenses 2020: $2,110,233Net Income 2020: $154,1612020Revenue 2021: $2,163,342Expenses 2021: $2,019,430Net Income 2021: $143,9122021Revenue 2022: $2,443,778Expenses 2022: $1,952,809Net Income 2022: $490,9692022Revenue 2023: $3,163,549Expenses 2023: $2,141,780Net Income 2023: $1,021,7692023Revenue 2024: $3,273,932Expenses 2024: $2,692,934Net Income 2024: $580,9982024

Highlighted filing

2024

Revenue$3,273,932
Expenses$2,692,934
Net Income$580,998
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$63,909,183
Liabilities
$52,944,896
Net assets
$10,964,287
Revenue
$3,273,932
Expenses
$2,692,934
Net income
$580,998
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$63.9$52.9$11.0$3.27$2.69$0.58
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$65.1$54.7$10.4$3.16$2.14$1.02
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$66.1$56.4$9.63$2.44$1.95$0.49
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$67.6$58.4$9.14$2.16$2.02$0.14
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$62.7$53.7$9.00$2.26$2.11$0.15
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$58.7$49.8$8.85$2.63$2.32$0.31
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$59.1$50.6$8.54$2.44$2.14$0.30
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$58.7$50.5$8.23$2.19$1.95$0.24
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$60.4$52.4$7.99$2.10$1.94$0.16
2015Detailed filing. Detailed filing data is available for this year.$60.7$52.9$7.83$2.18$2.10$0.07
2014Detailed filing. Detailed filing data is available for this year.$60.2$52.4$7.76$2.24$2.17$0.07
2013Detailed filing. Detailed filing data is available for this year.$61.1$53.4$7.69$2.32$2.17$0.15
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$60.3$52.8$7.54$2.31
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.5$51.2$7.30$2.52
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.1$49.9$7.20$2.83
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2015 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jul 25, 2016
Return Version
2015v2.1
Gross Receipts
$2,178,731
Mission and Program Overview

Mission

To promote thrift and to provide financial services to its members.

To promote thrift and to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$31,872,710$32,734,997▲ $862,287
Other Notes and Loans Receivable, Net$22,748,597$21,901,889▼ $846,708
Rtn Earn Endowment Incm Other Fnds$7,756,757$7,830,541▲ $73,784
Savings and Temporary Cash Investments$2,777,795$3,670,984▲ $893,189
Land, Buildings, and Equipment, Net$1,119,909$1,075,662▼ $44,247
Cash and Non-Interest-Bearing Accounts$700,598$402,003▼ $298,595
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$60,177,467$60,691,391▲ $513,924
Other Assets Total$957,858$905,856▼ $52,002
Liabilities
Other Liabilities$52,177,355$52,548,265▲ $370,910
Accounts Payable and Accrued Expenses$243,355$312,585▲ $69,230
Total Liabilities$52,420,710$52,860,850▲ $440,140
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,756,757$7,830,541▲ $73,784
Total Liabilities and Net Assets / Fund Balance$60,177,467$60,691,391▲ $513,924

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$826,484$1,037,631$1,864,115
Equipment$16,539$567,620$584,159
Land$232,639-$232,639
Leasehold Improvements$0$98,826$98,826
Other Securities$5,719,825--
Compensation and Service Providers
Top Officer Pay52nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Rudolph Rattman JrCEOFT$86,331$86,331
Karen BeplerVice PresidentFT$56,718$56,718
Ann Martin Termed 43015PresidentFT$31,800$31,800

Board Members and Trustees

NameTitle
Thomas CrowleyChairman
James LambertVice Chairman
James Thomas McgregorBoard Member
Mark MercerBoard Member
Richard JoestingBoard Member
Dennis MarschnerSecretary
William NolanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,694,552
Investment Income
$484,179
Other Revenue
$0
Change in Net Assets
$73,784
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,511,842
Salaries, Compensation, and Employee Benefits$593,105
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$333,638
Other Salaries and Wages---$321,493
Interest---$269,124
Occupancy---$178,149
Current Officers, Directors, Trustees, and Key Employees---$174,849
Advertising---$50,828
Other Expenses---$45,291
Payroll Taxes---$40,122
Other Employee Benefits---$36,866
Fees for Services Accounting---$35,512
Depreciation Depletion---$34,513
Conferences and Meetings---$22,828
Pension Plan Contributions---$19,775
Insurance---$16,517
Fees for Services Other---$15,517
Total Functional Expenses$0$0$0$2,104,947
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES & DEPOSITS$52,548,265
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization has members.”

Form 990, Part VI, Section A, Line 7A

“Members elect board annually. Only 2 board slots were available and only 2 applicants ran for the positions. No general election held.”

Form 990, Part VI, Section B, Line 11

“The form 990 is reviewed by the ceo and vp of finance of the organization prior to filing. Copies are provided to the board for their review.”

Form 990, Part VI, Section B, Line 12C

“An annual questionare is required.”

Form 990, Part VI, Section B, Line 15

“The president's salary is determined by the board of directors with comparables from third-party data sources. Other officer's salaries are determined by executive management with industry comparables for reference.”

Form 990, Part VI, Section C, Line 19

“Financial statements are displayed in the credit union lobbies. All other information is made available upon request.”

Filing and Contact Details

Filer

Filer Name
Postal Family Credit Union Inc
EIN
31-0240910
Phone
5133818600
Address
PO BOX 14403, CINCINNATI, OH 45250

Signing Officer

Name
Rudy Rattman
Title
CEO
Phone
5133818600
Signed
2016-07-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rudy Rattman
Formed
1928
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
7
Employees
14
Volunteers
7

Preparer

Firm
Gbq Partners LLC
Address
230 WEST STREET SUITE 700, COLUMBUS, OH 43215-2663
Preparer
Gbq Partners LLC
Phone
6142211120
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The organization has a committee that assumes responsibility for oversight of the audit process and selection of an independent accountant.”

Financial Statement Notes

PART X, LINE 2:

“The credit union accounts for uncertainty in income taxes in its financial statements as required under financial accounting standards (fasb) accounting standards codification (asc), accounting for uncertainty in income taxes. The standard prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. The standard also provides guidance on de-recognition, classification, interest, and penalties, accounting in interim periods, disclosure and transition accounting. The credit union's income tax returns prior to 2012 are closed. Management determined there were no material uncertain positions taken by the credit union in its tax returns.”

Raw XML Appendix375 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0243355
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0312585
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROMOTE THRIFT AND TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.
IRS990/AdvertisingGrp/TotalAmt050828
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0RUDY RATTMAN
IRS990/BooksInCareOfDetail/PhoneNum05133818600
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 14403
IRS990/BooksInCareOfDetail/USAddress/CityNm0CINCINNATI
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0OH
IRS990/BooksInCareOfDetail/USAddress/ZIPCd045250
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0700598
IRS990/CashNonInterestBearingGrp/EOYAmt0402003
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0174849
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt022828
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0484179
IRS990/CYOtherExpensesAmt01511842
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01694552
IRS990/CYRevenuesLessExpensesAmt073784
IRS990/CYSalariesCompEmpBnftPaidAmt0593105
IRS990/CYTotalExpensesAmt02104947
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02178731
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt034513
IRS990/Desc0PROVIDE FINANCIAL SERVICES TO MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt014
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt035512
IRS990/FeesForServicesOtherGrp/TotalAmt015517
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt045.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt835.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0KAREN BEPLER
IRS990/Form990PartVIISectionAGrp/PersonNm1THOMAS CROWLEY
IRS990/Form990PartVIISectionAGrp/PersonNm2JAMES LAMBERT
IRS990/Form990PartVIISectionAGrp/PersonNm3DENNIS MARSCHNER
IRS990/Form990PartVIISectionAGrp/PersonNm4WILLIAM NOLAN
IRS990/Form990PartVIISectionAGrp/PersonNm5RICHARD JOESTING
IRS990/Form990PartVIISectionAGrp/PersonNm6MARK MERCER
IRS990/Form990PartVIISectionAGrp/PersonNm7JAMES THOMAS MCGREGOR
IRS990/Form990PartVIISectionAGrp/PersonNm8ANN MARTIN TERMED 43015
IRS990/Form990PartVIISectionAGrp/PersonNm9RUDOLPH RATTMAN JR
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt056718
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt831800
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt986331
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01928
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt02178731
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/TotalAmt016517
IRS990/InterestGrp/TotalAmt0269124
IRS990/InvestmentIncomeGrp/ExclusionAmt0484179
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0484179
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt031872710
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt032734997
IRS990/IRPDocumentCnt01191
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01704077
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01119909
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01075662
IRS990/LandBldgEquipCostOrOtherBssAmt02779739
IRS990/LegalDomicileStateCd0OH
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROMOTE THRIFT AND TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt07756757
IRS990/NetAssetsOrFundBalancesEOYAmt07830541
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0178149
IRS990/OfficeExpensesGrp/TotalAmt0333638
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0957858
IRS990/OtherAssetsTotalGrp/EOYAmt0905856
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt036866
IRS990/OtherExpensesGrp/Desc0BANK CHARGES AND PROCES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2DIRECTOR AND DUES EXPEN
IRS990/OtherExpensesGrp/TotalAmt0402724
IRS990/OtherExpensesGrp/TotalAmt1107201
IRS990/OtherExpensesGrp/TotalAmt245291
IRS990/OtherLiabilitiesGrp/BOYAmt052177355
IRS990/OtherLiabilitiesGrp/EOYAmt052548265
IRS990/OtherSalariesAndWagesGrp/TotalAmt0321493
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt022748597
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt021901889
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt040122
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt019775
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0RUDY RATTMAN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01163371
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1279290
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2251891
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01163371
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1279290
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2251891
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0440545
IRS990/PYOtherExpensesAmt01578325
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01801107
IRS990/PYRevenuesLessExpensesAmt070211
IRS990/PYSalariesCompEmpBnftPaidAmt0593116
IRS990/PYTotalExpensesAmt02171441
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02241652
IRS990/ReconcilationRevenueExpnssAmt073784
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07756757
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07830541
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02777795
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03670984
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0826484
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01037631
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01864115
IRS990ScheduleD/EquipmentGrp/BookValueAmt016539
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0567620
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0584159
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0232639
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0232639
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt098826
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt098826
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt052548265
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES & DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt021293000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt15722172
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt25719825
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATE OF DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1GOVERNMENT INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ITS FINANCIAL STATEMENTS AS REQUIRED UNDER FINANCIAL ACCOUNTING STANDARDS (FASB) ACCOUNTING STANDARDS CODIFICATION (ASC), ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. THE STANDARD PRESCRIBES A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE STANDARD ALSO PROVIDES GUIDANCE ON DE-RECOGNITION, CLASSIFICATION, INTEREST, AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE AND TRANSITION ACCOUNTING. THE CREDIT UNION'S INCOME TAX RETURNS PRIOR TO 2012 ARE CLOSED. MANAGEMENT DETERMINED THERE WERE NO MATERIAL UNCERTAIN POSITIONS TAKEN BY THE CREDIT UNION IN ITS TAX RETURNS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01075662
IRS990ScheduleD/TotalBookValueSecuritiesAmt032734997
IRS990ScheduleD/TotalLiabilityAmt052548265
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ELECT BOARD ANNUALLY. ONLY 2 BOARD SLOTS WERE AVAILABLE AND ONLY 2 APPLICANTS RAN FOR THE POSITIONS. NO GENERAL ELECTION HELD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FORM 990 IS REVIEWED BY THE CEO AND VP OF FINANCE OF THE ORGANIZATION PRIOR TO FILING. COPIES ARE PROVIDED TO THE BOARD FOR THEIR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3AN ANNUAL QUESTIONARE IS REQUIRED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE PRESIDENT'S SALARY IS DETERMINED BY THE BOARD OF DIRECTORS WITH COMPARABLES FROM THIRD-PARTY DATA SOURCES. OTHER OFFICER'S SALARIES ARE DETERMINED BY EXECUTIVE MANAGEMENT WITH INDUSTRY COMPARABLES FOR REFERENCE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE DISPLAYED IN THE CREDIT UNION LOBBIES. ALL OTHER INFORMATION IS MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE ORGANIZATION HAS A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR OVERSIGHT OF THE AUDIT PROCESS AND SELECTION OF AN INDEPENDENT ACCOUNTANT.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt060177467
IRS990/TotalAssetsEOYAmt060691391
IRS990/TotalAssetsGrp/BOYAmt060177467
IRS990/TotalAssetsGrp/EOYAmt060691391
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt014
IRS990/TotalFunctionalExpensesGrp/TotalAmt02104947
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt052420710
IRS990/TotalLiabilitiesEOYAmt052860850
IRS990/TotalLiabilitiesGrp/BOYAmt052420710
IRS990/TotalLiabilitiesGrp/EOYAmt052860850
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07756757
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07830541
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt01694552
IRS990/TotalReportableCompFromOrgAmt0174849
IRS990/TotalRevenueGrp/ExclusionAmt0484179
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01694552
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02178731
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt060177467
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt060691391
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 14403
IRS990/USAddress/CityNm0CINCINNATI
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd045250
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.URMYCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0RUDY RATTMAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05133818600
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-07-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0POSTAL FAMILY CREDIT UNION INC
ReturnHeader/Filer/BusinessNameControlTxt0POST
ReturnHeader/Filer/EIN0310240910
ReturnHeader/Filer/PhoneNum05133818600
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 14403
ReturnHeader/Filer/USAddress/CityNm0CINCINNATI
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd045250
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202122306
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GBQ PARTNERS LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0230 WEST STREET SUITE 700
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0COLUMBUS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0432152663
ReturnHeader/PreparerPersonGrp/PhoneNum06142211120
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GBQ PARTNERS LLC
ReturnHeader/ReturnTs02016-08-05T07:56:24-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

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