Civic Intelligence

422 Heekin Can Employees Credit Union Inc

EIN 31-0528961 • 501(c)14 • Cincinnati, OH

Profile

A financial institution (credit union) organized to provide its members with low interest loans and to promote savings to its members.

8200 Broadwell RoadCincinnati, OH 45244-1608
Siviq Scores

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

Liabilities / Assets

86th percentile

0.23x

Higher debt load relative to assets than 86% of similar nonprofits.

<$500k nonprofits • Source year 2024

Liabilities / Revenue

97th percentile

3.31x

Higher debt load relative to revenue than 97% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2024

Net Margin

53rd percentile

-65%

Higher net margin than 53% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2024

Top Officer Pay

40th percentile

$12,000

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 55.1% of source-year revenue.

501(c)14 • <$500k nonprofits • Source year 2024

Asset Growth

96th percentile

-25%

Faster asset growth than 96% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

78th percentile

-15%

Faster revenue growth than 78% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets86th percentile

Assets

Down

$316,630

Down $103,632 (-25%) from 2023

Liabilities

Down

$72,239

Down $89,482 (-55%) from 2023

Net Assets

Down

$244,391

Down $14,150 (-5.5%) from 2023

Operations
Liabilities / Revenue97th percentileNet Margin53rd percentile

Revenue

Down

$21,798

Down $3,918 (-15%) from 2023

Expenses

Down

$35,948

Down $2,561 (-6.7%) from 2023

Net Income

Down

-$14,150

Down $1,357 (-11%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth96th percentile

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

$800K$600K$400K$200K$0Assets 2019: $606,645Liabilities 2019: $300,792Net Assets 2019: $305,8532019Assets 2020: $565,829Liabilities 2020: $269,951Net Assets 2020: $295,8782020Assets 2021: $552,181Liabilities 2021: $267,427Net Assets 2021: $284,7542021Assets 2022: $435,796Liabilities 2022: $164,462Net Assets 2022: $271,3342022Assets 2023: $420,262Liabilities 2023: $161,721Net Assets 2023: $258,5412023Assets 2024: $316,630Liabilities 2024: $72,239Net Assets 2024: $244,3912024

Highlighted filing

2024

Assets$316,630
Liabilities$72,239
Net Assets$244,391
Open 2024 Filing

Operations Trend

Revenue Growth78th percentile

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

$40K$20K$0-$20KRevenue 2019: $30,888Expenses 2019: $35,026Net Income 2019: -$4,1382019Revenue 2020: $24,812Expenses 2020: $34,787Net Income 2020: -$9,9752020Revenue 2021: $25,033Expenses 2021: $36,157Net Income 2021: -$11,1242021Revenue 2022: $23,105Expenses 2022: $36,525Net Income 2022: -$13,4202022Revenue 2023: $25,716Expenses 2023: $38,509Net Income 2023: -$12,7932023Revenue 2024: $21,798Expenses 2024: $35,948Net Income 2024: -$14,1502024

Highlighted filing

2024

Revenue$21,798
Expenses$35,948
Net Income-$14,150
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$316,630
Liabilities
$72,239
Net assets
$244,391
Revenue
$21,798
Expenses
$35,948
Net income
-$14,150
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.17$0.72$2.44$0.22$0.36$0.14
2023Detailed filing. Detailed filing data is available for this year.$4.20$1.62$2.59$0.26$0.39$0.13
2022Detailed filing. Detailed filing data is available for this year.$4.36$1.64$2.71$0.23$0.37$0.13
2021Detailed filing. Detailed filing data is available for this year.$5.52$2.67$2.85$0.25$0.36$0.11
2020Detailed filing. Detailed filing data is available for this year.$5.66$2.70$2.96$0.25$0.35$0.10
2019Detailed filing. Detailed filing data is available for this year.$6.07$3.01$3.06$0.31$0.35$0.04
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 15, 2025
Return Version
2024v5.0
Gross Receipts
$21,798
Mission and Program Overview

Mission

A financial institution (credit union) organized to provide its members with low interest loans and to promote savings to its members.

A financial institution (credit union) organized to provide its members with low interest loans and to promote savings.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$258,541$244,391▼ $14,150
Other Notes and Loans Receivable, Net$155,710$68,026▼ $87,684
Cash and Non-Interest-Bearing Accounts$64,790$52,271▼ $12,519
Savings and Temporary Cash Investments$28,048$17,525▼ $10,523
Investments Program Related$7,787$7,787→ $0
Receivables From Officers Etc$5,011$4,924▼ $87
Prepaid Expenses and Deferred Charges$2,445$2,930▲ $485
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0--
Investments in Publicly Traded Securities$0$0→ $0
Land, Buildings, and Equipment, Net$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0--
Inventories for Sale or Use-$0-
Loans From Officers Directors$0$0→ $0
Total Assets$420,262$316,630▼ $103,632
Other Assets Total$156,471$163,167▲ $6,696
Liabilities
Other Liabilities$157,547$68,496▼ $89,051
Accounts Payable and Accrued Expenses$4,174$3,743▼ $431
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$161,721$72,239▼ $89,482
Net Assets / Fund Balance
Total Net Assets Fund Balance$258,541$244,391▼ $14,150
Total Liabilities and Net Assets / Fund Balance$420,262$316,630▼ $103,632

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$2,045--
Compensation and Service Providers
Top Officer Pay40th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Brian McFarlandManager/TreasurerPT$12,000$12,000

Board Members and Trustees

NameTitle
Jim TaylorPresident
Sally O'DayVice President
Mike MullenixBoard Member
Daniel BellSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$13,574
Investment Income
$8,224
Other Revenue
$0
Change in Net Assets
$-14,150
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$23,918
Other Expenses$12,030
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$12,000
Other Salaries and Wages---$10,000
Fees for Services Accounting---$3,239
Information Technology---$2,016
Payroll Taxes---$1,918
Office Expenses---$1,699
Insurance---$1,068
Conferences and Meetings---$717
Other Expenses---$698
Interest---$73
Total Functional Expenses$0$0$0$35,948
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$5,011$4,924▼ $87
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$68,421
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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

“Each individual who qualifies under field of membership criteria and that has a share account is a member of the state-chartered credit union. The credit union is comprised of a single class of approximately 83 member-owners. Each member has equal rights in ownership, governance and voting rights at the annual meeting.”

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

“The board of directors is elected by the member-owners of the credit union at the annual meeting. The board is elected for three-year terms on a rotating basis. Candidates are elected by a single plurality vote.”

Form 990, Part VI, Section B, Line 11B

“The board of directors is informed of the filing of Form 990 and related schedules. The report and schedules are available for review upon request.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents, financial statements and policies can be reviewed by appointment at the credit union upon request.”

Filing and Contact Details

Filer

Filer Name
422 Heekin Can Employees Credit Union Inc
EIN
31-0528961
Phone
5133882330
Address
8200 Broadwell Road, Cincinnati, OH 45244-1608

Signing Officer

Name
Brian McFarland
Title
Manager/Treasurer
Phone
5133257494
Signed
2025-04-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James Taylor
Formed
1941
Legal Domicile
Oh
Voting Board Members
5
Independent Board Members
4
Employees
2
Volunteers
5

Preparer

Firm
Stoodt's Accounting & Auditing Services
Address
2713 Township Road 182, Bellefontaine, OH 43311
Preparer
Carol Stoodt
Phone
9379353811
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IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02445
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02930
IRS990/PrincipalOfficerNm0James Taylor
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Fees and Charges
IRS990/ProgramServiceRevenueGrp/Desc2GAP Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt012751
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1645
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2178
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt012751
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1645
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2178
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgSrvcAccomActy2Grp/Desc0The credit union serviced their 83 members by providing deposit services for regular share accounts.
IRS990/ProgSrvcAccomActy3Grp/Desc0The credit union paid dividends on share accounts held by the credit union's members.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt05618
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt012394
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt020098
IRS990/PYRevenuesLessExpensesAmt0-12793
IRS990/PYSalariesCompEmpBnftPaidAmt026115
IRS990/PYTotalExpensesAmt038509
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt025716
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt05011
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt04924
IRS990/ReconcilationRevenueExpnssAmt0-14150
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0258541
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0244391
IRS990/SavingsAndTempCashInvstGrp/BOYAmt028048
IRS990/SavingsAndTempCashInvstGrp/EOYAmt017525
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt075
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0161122
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt12045
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0Sharefax CU Certificates
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1American Share Insurance
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt068421
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0163167
IRS990ScheduleD/TotalLiabilityAmt068496
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt04924
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Unsecured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt06000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Daniel Bell
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/TotalBalanceDueAmt04924
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Each individual who qualifies under field of membership criteria and that has a share account is a member of the state-chartered credit union. The credit union is comprised of a single class of approximately 83 member-owners. Each member has equal rights in ownership, governance and voting rights at the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The board of directors is elected by the member-owners of the credit union at the annual meeting. The board is elected for three-year terms on a rotating basis. Candidates are elected by a single plurality vote.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The board of directors is informed of the filing of Form 990 and related schedules. The report and schedules are available for review upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The credit union's governing documents, financial statements and policies can be reviewed by appointment at the credit union upon request.
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 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0420262
IRS990/TotalAssetsEOYAmt0316630
IRS990/TotalAssetsGrp/BOYAmt0420262
IRS990/TotalAssetsGrp/EOYAmt0316630
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt035948
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0161721
IRS990/TotalLiabilitiesEOYAmt072239
IRS990/TotalLiabilitiesGrp/BOYAmt0161721
IRS990/TotalLiabilitiesGrp/EOYAmt072239
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0258541
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0244391
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt013574
IRS990/TotalReportableCompFromOrgAmt012000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt021798
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt021798
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0420262
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0316630
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt00

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