Liabilities / Assets
3rd percentile
Higher debt load relative to assets than 3% of similar nonprofits.
EIN 31-0505125 • 501(c)14 • Cincinnati, OH
Profile
NONE
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
3rd percentile
Higher debt load relative to assets than 3% of similar nonprofits.
Liabilities / Revenue
5th percentile
Higher debt load relative to revenue than 5% of similar nonprofits.
Net Margin
23rd percentile
Higher net margin than 23% of similar nonprofits.
Top Officer Pay
23rd percentile
Higher top officer pay than 23% of similar nonprofits.
Top officer pay equals 5.0% of source-year revenue.
Asset Growth
29th percentile
Faster asset growth than 29% of similar nonprofits.
Revenue Growth
8th percentile
Faster revenue growth than 8% of similar nonprofits.
Assets
Down$57,282,303
Down $708,066 (-1.2%) from 2013
Liabilities
Up$448,925
Up $96,033 (+27%) from 2013
Net Assets
Down$56,833,378
Down $804,099 (-1.4%) from 2013
Revenue
Down$2,457,628
Down $113,197 (-4.4%) from 2013
Expenses
Down$2,377,946
Down $156,736 (-6.2%) from 2013
Net Income
Up$79,682
Up $43,539 (+120%) from 2013
Most recent year
2014 • Form 990Detailed filing. Detailed filing data is available for this year.
NONE
We are a member-owned, not-for-profit financial institution. Our mission is to make available quality financial services at a reasonable cost to our members so as to provide for their financial needs, while insuring the long-term financial stability of the credit union.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Cap Stk Tr Prin Current Funds | $50,785,252 | $49,901,472 | ▼ $883,780 |
| Savings and Temporary Cash Investments | $31,593,002 | $32,622,541 | ▲ $1,029,539 |
| Other Notes and Loans Receivable, Net | $24,928,468 | $23,201,312 | ▼ $1,727,156 |
| Rtn Earn Endowment Incm Other Fnds | $6,852,225 | $6,931,906 | ▲ $79,681 |
| Cash and Non-Interest-Bearing Accounts | $296,770 | $313,951 | ▲ $17,181 |
| Prepaid Expenses and Deferred Charges | $136,395 | $122,866 | ▼ $13,529 |
| Accounts Receivable | $11,889 | $88,021 | ▲ $76,132 |
| Land, Buildings, and Equipment, Net | $16,831 | $4,218 | ▼ $12,613 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Total Assets | $57,990,369 | $57,282,303 | ▼ $708,066 |
| Other Assets Total | $1,007,014 | $929,394 | ▼ $77,620 |
| Liabilities | |||
| Accounts Payable and Accrued Expenses | $352,892 | $448,925 | ▲ $96,033 |
| Total Liabilities | $352,892 | $448,925 | ▲ $96,033 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $57,637,477 | $56,833,378 | ▼ $804,099 |
| Total Liabilities and Net Assets / Fund Balance | $57,990,369 | $57,282,303 | ▼ $708,066 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $522 | $759,741 | $760,263 |
| Leasehold Improvements | $3,696 | $374,896 | $378,592 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| M Catherine Herring | President/treasurer | FT | $123,556 | $123,556 |
| Name | Title |
|---|---|
| Mike Philipps | Board Chair |
| Wilda Dolores Shaffer | Board Vice Chair |
| Everett Rudisell | Board Member |
| Steven Howe | Board Member |
| Barbara Schmitz | Board Secretary |
| Line Item | Amount |
|---|---|
| Other Expenses | $1,512,543 |
| Salaries, Compensation, and Employee Benefits | $865,403 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $540,462 |
| Other Expenses | - | - | - | $175,408 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $123,556 |
| Other Employee Benefits | - | - | - | $97,294 |
| Royalties | - | - | - | $60,000 |
| Pension Plan Contributions | - | - | - | $52,800 |
| Payroll Taxes | - | - | - | $51,291 |
| Office Expenses | - | - | - | $49,252 |
| Advertising | - | - | - | $25,375 |
| Fees for Services Accounting | - | - | - | $21,804 |
| Depreciation Depletion | - | - | - | $20,889 |
| All Other Expenses | - | - | - | $16,869 |
| Conferences and Meetings | - | - | - | $5,479 |
| Fees for Services Legal | - | - | - | $897 |
| Total Functional Expenses | $0 | $0 | $0 | $2,377,946 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $2,377,946 |
| Total Expenses per Audited Statements | $2,377,946 |
| Total Expenses per Form 990 | $2,377,946 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Interested Party | Relationship | Description | Shared Revenue | Amount |
|---|---|---|---|---|
| M Catherine Herring | Board Mbr of Cuso | Data Processing Services | No | - |
“Members in the credit union industry are the depositors and debtors who are qualified for membership based upon the field of membership as approved by the ohio division of financial institutions.”
“All members in good standing may participate in the election process for board members.”
“Limited decisions of the governing body are subject to approval by the members. The board of directors is guided by the bylaws and laws and regulations of the ohio division of financial institutions and the federal government.”
“The board of directors is provided a copy of the 990 and the 990-t in draft form prior to the submission to the irs.”
“The credit union has checks and balances in place relative to compliance with policy and statutes. The credit union has an annual audit from an independent cpa firm, the ohio division of financial institutions and asi examiners.”
“15a. The ceo's compensation is approved annually by the board of directors by use of comparability data and goals estabilished by the board of directors.”
“All documents are available to the members of the credit union. Financial statements are posted on a monthly basis at the credit union office and are available upon request.”
“M. Catherine herring - 3728 morris place, cincinnati, oh 45226. Mike philipps - 6005 ropes dr, cincinnati, oh 45244. Wilda dolores shaffer - 616 waycross, cincinnati, oh 45240. Barbara schmitz - 3 colonel pointe, wilder, ky 41076. Everett rudisell - 2739 cliff rd, north bend, oh 45052. Steven howe - 4304 fairdale ct, cincinnati, oh 45238.”
“Net change in capital stock (member shares) -883,781.”
“The credit union has adopted fasb accounting standards codification 740-10, accounting for uncertainty in income taxes and has evaluated its tax positions taken for all open tax years. Currently, 2013, 2012, 2010 and 2011 tax years are open and subject to examination by the internal revenue service. However, the credit union is not currently under audit nor has the organization been contacted by the internal revenue service.”
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/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 352892 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 448925 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 11889 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 88021 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | WE ARE A MEMBER-OWNED, NOT-FOR-PROFIT FINANCIAL INSTITUTION. OUR MISSION IS TO MAKE AVAILABLE QUALITY FINANCIAL SERVICES AT A REASONABLE COST TO OUR MEMBERS SO AS TO PROVIDE FOR THEIR FINANCIAL NEEDS, WHILE INSURING THE LONG-TERM FINANCIAL STABILITY OF THE CREDIT UNION. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 25375 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 16869 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | M CATHERINE HERRING |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 5133813070 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1717 WESTERN AVENUE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | CINCINNATI |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | OH |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 452142007 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 1 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 50785252 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 49901472 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 296770 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 313951 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 123556 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 5479 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 376311 |
| IRS990/CYOtherExpensesAmt | 0 | 1512543 |
| IRS990/CYOtherRevenueAmt | 0 | 676066 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1405251 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 79682 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 865403 |
| IRS990/CYTotalExpensesAmt | 0 | 2377946 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 2457628 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 20889 |
| IRS990/Desc | 0 | THIS IS NOT APPLICABLE TO THE CREDIT UNION. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 14 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 21804 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 897 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | M CATHERINE HERRING |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | MIKE PHILIPPS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | WILDA DOLORES SHAFFER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | BARBARA SCHMITZ |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | EVERETT RUDISELL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | STEVEN HOWE |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 123556 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | PRESIDENT/TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | BOARD CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | BOARD VICE CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOARD SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1940 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 6 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 2457628 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 5 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 376311 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 376311 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 807 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1134637 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 16831 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 4218 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1138855 |
| IRS990/LegalDomicileStateCd | 0 | OH |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 6231 |
| IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 6231 |
| IRS990/MissionDesc | 0 | NONE |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 57637477 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 56833378 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 16250 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 49252 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1007014 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 929394 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -883781 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 97294 |
| IRS990/OtherExpensesGrp/Desc | 0 | OTHER OPERATIONS EXPENS |
| IRS990/OtherExpensesGrp/Desc | 1 | OUTSIDE SERVICES |
| IRS990/OtherExpensesGrp/Desc | 2 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 3 | DIVIDENDS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 697813 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 222257 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 216500 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 175408 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 522100 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 2 | 900099 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | MISCELLANEOUS |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | FEES |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | SALE OF MEMBER LIST |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 374812 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 279001 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 374812 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 279001 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 16022 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 16022 |
| IRS990/OtherRevenueTotalAmt | 0 | 676066 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 540462 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 24928468 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 23201312 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 51291 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 52800 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 136395 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 122866 |
| IRS990/PrincipalOfficerNm | 0 | M CATHERINE HERRING |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1405251 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1405251 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 353875 |
| IRS990/PYOtherExpensesAmt | 0 | 1605484 |
| IRS990/PYOtherRevenueAmt | 0 | 655880 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1561070 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 36143 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 929198 |
| IRS990/PYTotalExpensesAmt | 0 | 2534682 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 2570825 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 79682 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 1 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 0 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 60000 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 6852225 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 6931906 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 31593002 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 32622541 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 522 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 759741 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 760263 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 2377946 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 3696 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 374896 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 378592 |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 2457628 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION HAS ADOPTED FASB ACCOUNTING STANDARDS CODIFICATION 740-10, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES AND HAS EVALUATED ITS TAX POSITIONS TAKEN FOR ALL OPEN TAX YEARS. CURRENTLY, 2013, 2012, 2010 AND 2011 TAX YEARS ARE OPEN AND SUBJECT TO EXAMINATION BY THE INTERNAL REVENUE SERVICE. HOWEVER, THE CREDIT UNION IS NOT CURRENTLY UNDER AUDIT NOR HAS THE ORGANIZATION BEEN CONTACTED BY THE INTERNAL REVENUE SERVICE. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 4218 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 2377946 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 2457628 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 2457628 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 2377946 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm | 0 | M CATHERINE HERRING |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt | 0 | BOARD MBR OF CUSO |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 0 | 0 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc | 0 | DATA PROCESSING SERVICES |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | MEMBERS IN THE CREDIT UNION INDUSTRY ARE THE DEPOSITORS AND DEBTORS WHO ARE QUALIFIED FOR MEMBERSHIP BASED UPON THE FIELD OF MEMBERSHIP AS APPROVED BY THE OHIO DIVISION OF FINANCIAL INSTITUTIONS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | ALL MEMBERS IN GOOD STANDING MAY PARTICIPATE IN THE ELECTION PROCESS FOR BOARD MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | LIMITED DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY THE MEMBERS. THE BOARD OF DIRECTORS IS GUIDED BY THE BYLAWS AND LAWS AND REGULATIONS OF THE OHIO DIVISION OF FINANCIAL INSTITUTIONS AND THE FEDERAL GOVERNMENT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE BOARD OF DIRECTORS IS PROVIDED A COPY OF THE 990 AND THE 990-T IN DRAFT FORM PRIOR TO THE SUBMISSION TO THE IRS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE CREDIT UNION HAS CHECKS AND BALANCES IN PLACE RELATIVE TO COMPLIANCE WITH POLICY AND STATUTES. THE CREDIT UNION HAS AN ANNUAL AUDIT FROM AN INDEPENDENT CPA FIRM, THE OHIO DIVISION OF FINANCIAL INSTITUTIONS AND ASI EXAMINERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | 15A. THE CEO'S COMPENSATION IS APPROVED ANNUALLY BY THE BOARD OF DIRECTORS BY USE OF COMPARABILITY DATA AND GOALS ESTABILISHED BY THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | ALL DOCUMENTS ARE AVAILABLE TO THE MEMBERS OF THE CREDIT UNION. FINANCIAL STATEMENTS ARE POSTED ON A MONTHLY BASIS AT THE CREDIT UNION OFFICE AND ARE AVAILABLE UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | M. CATHERINE HERRING - 3728 MORRIS PLACE, CINCINNATI, OH 45226. MIKE PHILIPPS - 6005 ROPES DR, CINCINNATI, OH 45244. WILDA DOLORES SHAFFER - 616 WAYCROSS, CINCINNATI, OH 45240. BARBARA SCHMITZ - 3 COLONEL POINTE, WILDER, KY 41076. EVERETT RUDISELL - 2739 CLIFF RD, NORTH BEND, OH 45052. STEVEN HOWE - 4304 FAIRDALE CT, CINCINNATI, OH 45238. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | NET CHANGE IN CAPITAL STOCK (MEMBER SHARES) -883,781. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART VII |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART XI, LINE 9: |
| IRS990ScheduleR/AssetExchangeInd | 0 | 0 |
| IRS990ScheduleR/AssetPurchaseFromOtherOrgInd | 0 | 0 |
| IRS990ScheduleR/AssetSaleToOtherOrgInd | 0 | 0 |
| IRS990ScheduleR/DivRelatedOrganizationInd | 0 | 0 |
| IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd | 0 | 0 |
| IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd | 0 | 0 |
| IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd | 0 | 0 |
| IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd | 0 | N/A |
| IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EIN | 0 | 311250067 |
| IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EntityTypeTxt | 0 | C |
| IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/LegalDomicileStateCd | 0 | OH |
| IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/OwnershipPct | 0 | 0.50000 |
| IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt | 0 | DATA PROCESSING SERVICES |
| IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt | 0 | CENTRAL FINANCIAL SERVICES |
| IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ShareOfTotalIncomeAmt | 0 | -38 |
| IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/AddressLine1Txt | 0 | 1717 WESTERN AVENUE |
| IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/CityNm | 0 | CINCINNATI |
| IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/StateAbbreviationCd | 0 | OH |
| IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/ZIPCd | 0 | 45214 |
| IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd | 0 | 1 |
| IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd | 0 | 0 |
| IRS990ScheduleR/PaidEmployeesSharingInd | 0 | 1 |
| IRS990ScheduleR/PerformOfServicesByOtherOrgInd | 0 | 0 |
| IRS990ScheduleR/PerformOfServicesForOthOrgInd | 0 | 0 |
| IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd | 0 | 1 |
| IRS990ScheduleR/ReimbursementPaidByOtherOrgInd | 0 | 0 |
| IRS990ScheduleR/ReimbursementPaidToOtherOrgInd | 0 | 0 |
| IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd | 0 | 0 |
| IRS990ScheduleR/RentalOfFcltsFromOthOrgInd | 0 | 0 |
| IRS990ScheduleR/SharingOfFacilitiesInd | 0 | 0 |
| IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt | 0 | 17441 |
| IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt | 0 | FAIR MARKET VALUE |
| IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt | 0 | CENTRAL FINANCIAL SERVICES |
| IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt | 0 | E |
| IRS990ScheduleR/TransferFromOtherOrgInd | 0 | 0 |
| IRS990ScheduleR/TransferToOtherOrgInd | 0 | 0 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 57990369 |
| IRS990/TotalAssetsEOYAmt | 0 | 57282303 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 57990369 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 57282303 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 14 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2377946 |
| IRS990/TotalGrossUBIAmt | 0 | 22253 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 352892 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 448925 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 352892 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 448925 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 57637477 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 56833378 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1405251 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 123556 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2435375 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 2457628 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 22253 |
| IRS990/TotalVolunteersCnt | 0 | 0 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 57990369 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 57282303 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 1717 WESTERN AVENUE |
| IRS990/USAddress/CityNm | 0 | CINCINNATI |
| IRS990/USAddress/StateAbbreviationCd | 0 | OH |
| IRS990/USAddress/ZIPCd | 0 | 452142007 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 6 |
| IRS990/VotingMembersIndependentCnt | 0 | 5 |
| IRS990/WebsiteAddressTxt | 0 | WWW.CACU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2016-03-07 17:11:31Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | M CATHERINE HERRING |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 5133813070 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2015-03-19 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | 326 COMMUNICATING ARTS CREDIT UNION INC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | 326C |
| ReturnHeader/Filer/EIN | 0 | 310505125 |
| ReturnHeader/Filer/PhoneNum | 0 | 5133813070 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 1717 WESTERN AVENUE |
| ReturnHeader/Filer/USAddress/CityNm | 0 | CINCINNATI |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | OH |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 452142007 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 311223798 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | WHITMER & COMPANY CPA'S LLP |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 105 E FOURTH STREET 1100 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | CINCINNATI |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | OH |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 452024011 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 5133818010 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | JAN NEUMANN |
| ReturnHeader/ReturnTs | 0 | 2015-03-23T12:59:48-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2014-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2014-12-31 |
| ReturnHeader/TaxYr | 0 | 2014 |
No mirrored PDF or thumbnail assets are attached yet.