Civic Intelligence

835 Deca Credit Union Inc

EIN 31-0601950 • 501(c)14 • Cincinnati, OH

Profile

To provide quality financial services to member or owners.

3118 Colerain AvCincinnati, OH 45225
Siviq Scores

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

Liabilities / Assets

31st percentile

0.82x

Higher debt load relative to assets than 31% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

62nd percentile

19.26x

Higher debt load relative to revenue than 62% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Net Margin

95th percentile

28%

Higher net margin than 95% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

49th percentile

-2.2%

Faster asset growth than 49% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2022 to 2024

Revenue Growth

94th percentile

45%

Faster revenue growth than 94% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets31st percentile

Assets

Down

$6,939,436

Down $89,600 (-1.3%) from 2023

Liabilities

Down

$5,692,634

Down $172,606 (-2.9%) from 2023

Net Assets

Up

$1,246,802

Up $83,006 (+7.1%) from 2023

Operations
Liabilities / Revenue62nd percentileNet Margin95th percentile

Revenue

Up

$295,614

Up $68,618 (+30%) from 2023

Expenses

Up

$212,608

Up $27,384 (+15%) from 2023

Net Income

Up

$83,006

Up $41,234 (+99%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth49th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2020: $6,586,969Liabilities 2020: $5,447,963Net Assets 2020: $1,139,0062020Assets 2021: $7,307,197Liabilities 2021: $6,165,637Net Assets 2021: $1,141,5602021Assets 2022: $7,256,791Liabilities 2022: $6,134,767Net Assets 2022: $1,122,0242022Assets 2023: $7,029,036Liabilities 2023: $5,865,240Net Assets 2023: $1,163,7962023Assets 2024: $6,939,436Liabilities 2024: $5,692,634Net Assets 2024: $1,246,8022024

Highlighted filing

2024

Assets$6,939,436
Liabilities$5,692,634
Net Assets$1,246,802
Open 2024 Filing

Operations Trend

Revenue Growth94th percentile

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

$300K$200K$100K$0-$100KRevenue 2020: $191,363Expenses 2020: $150,671Net Income 2020: $40,6922020Revenue 2021: $154,406Expenses 2021: $151,852Net Income 2021: $2,5542021Revenue 2022: $140,406Expenses 2022: $159,942Net Income 2022: -$19,5362022Revenue 2023: $226,996Expenses 2023: $185,224Net Income 2023: $41,7722023Revenue 2024: $295,614Expenses 2024: $212,608Net Income 2024: $83,0062024

Highlighted filing

2024

Revenue$295,614
Expenses$212,608
Net Income$83,006
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$6,939,436
Liabilities
$5,692,634
Net assets
$1,246,802
Revenue
$295,614
Expenses
$212,608
Net income
$83,006
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$6.94$5.69$1.25$0.30$0.21$0.08
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.03$5.87$1.16$0.23$0.19$0.04
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.26$6.13$1.12$0.14$0.16$0.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.31$6.17$1.14$0.15$0.15$0.00
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.59$5.45$1.14$0.19$0.15$0.04
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 10, 2025
Return Version
2024v5.0
Gross Receipts
$295,614
Mission and Program Overview

Mission

To provide quality financial services to member or owners.

To provide financial services to members/owners with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,370,547$4,808,849▲ $438,302
Investments Other Securities$2,419,799$1,985,766▼ $434,033
Rtn Earn Endowment Incm Other Fnds$1,163,796$1,246,802▲ $83,006
Savings and Temporary Cash Investments$159,899$73,314▼ $86,585
Land, Buildings, and Equipment, Net$5,361$0▼ $5,361
Prepaid Expenses and Deferred Charges$5,889$5,240▼ $649
Cash and Non-Interest-Bearing Accounts$15$15→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$7,029,036$6,939,436▼ $89,600
Other Assets Total$67,526$66,252▼ $1,274
Liabilities
Other Liabilities$5,861,404$5,687,964▼ $173,440
Accounts Payable and Accrued Expenses$3,836$4,670▲ $834
Total Liabilities$5,865,240$5,692,634▼ $172,606
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,163,796$1,246,802▲ $83,006
Total Liabilities and Net Assets / Fund Balance$7,029,036$6,939,436▼ $89,600

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$0$7,481$0
Leasehold Improvements$0$0$0
Financial Derivatives$1,985,766--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brandon GuthierChairman--$84,890$84,890
Greg WarrenVice Chairman--$74,890$74,890
Brandon LukenDirrector/employeeFT$65,245$6,540$71,785
Patricia LukenManager SecretaryFT$34,123$7,850$41,973
Larry OldigesDirector Treasurer--$180$180
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$187,115
Investment Income
$108,499
Other Revenue
$0
Change in Net Assets
$83,006
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$120,343
Other Expenses$92,265
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$99,368--$99,368
Occupancy$22,775--$22,775
Other Expenses$19,411$0$0$19,411
Office Expenses$18,276--$18,276
Pension Plan Contributions$13,000--$13,000
Interest$8,805--$8,805
Payroll Taxes$7,935--$7,935
Depreciation Depletion$5,648--$5,648
Fees for Services Accounting$5,119--$5,119
Fees for Services Management$3,545--$3,545
Information Technology$2,264--$2,264
Other Employee Benefits$40--$40
Total Functional Expenses$212,608$0$0$212,608
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
member shares$5,687,964
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
No
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
Yes
Other officer compensation reviewed
Yes
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 2

“Form 990, Part VI Section A, Line 2 - manager/dirrctor Patricia Luken has a family relationship with employee/director Brandon Luken”

Form 990, Part VI, Section A, Line 6

“Form 990, Part VI, Section A, Line 6 - all members pf he credit are stockholders”

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

“Form 990, Part VI, Section A Line 7a - electtions for board members hels every year”

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

“Form 990, PartVI, Section B, Line 11b - All officers and board of directors review a copy of the report prior to filing.”

Form 990, Part VI, Section B, Line 15

“Form 990, PartVI, Section B, Line 15 - the boiard of directors review annually the compensation of key employee and staff”

Form 990, Part VI, Section C, Line 19

“Form 990, PartVI, Section C, Line 18 - monthly financial statements are posted in the lobby monthly. All documents are available for review during regular business hours”

Filing and Contact Details

Filer

Filer Name
835 Deca Credit Union Inc
EIN
31-0601950
Phone
5135412480
Address
3118 Colerain Av, Cincinnati, OH 45225

Signing Officer

Name
Patricia Luken
Title
Manager
Phone
5135412480
Signed
2025-11-10

Organization Details

Principal Officer
Brandon Guthier
Formed
1958
Legal Domicile
Oh
Voting Board Members
5
Independent Board Members
5
Employees
2
Volunteers
6
Supplemental Narrative

Financial Statement Notes

Schedule D, Part VII, Line 3

“Investments”

Raw XML Appendix384 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
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Dirrector/employee
IRS990/Form990PartVIISectionAGrp/TitleTxt3Manager Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director Treasurer
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IRS990ScheduleD/FinancialDerivativesGrp/MethodValuationCd0F
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt05687964
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0member shares
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Investments
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part VII, Line 3
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalBookValueSecuritiesAmt01985766
IRS990ScheduleD/TotalLiabilityAmt05687964
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Form 990, Part VI Section A, Line 2 - manager/dirrctor Patricia Luken has a family relationship with employee/director Brandon Luken
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Form 990, Part VI, Section A, Line 6 - all members pf he credit are stockholders
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Form 990, Part VI, Section A Line 7a - electtions for board members hels every year
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Form 990, PartVI, Section B, Line 11b - All officers and board of directors review a copy of the report prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Form 990, PartVI, Section B, Line 15 - the boiard of directors review annually the compensation of key employee and staff
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Form 990, PartVI, Section C, Line 18 - monthly financial statements are posted in the lobby monthly. All documents are available for review during regular business hours
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt07029036
IRS990/TotalAssetsEOYAmt06939436
IRS990/TotalAssetsGrp/BOYAmt07029036
IRS990/TotalAssetsGrp/EOYAmt06939436
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0212608
IRS990/TotalFunctionalExpensesGrp/TotalAmt0212608
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt05865240
IRS990/TotalLiabilitiesEOYAmt05692634
IRS990/TotalLiabilitiesGrp/BOYAmt05865240
IRS990/TotalLiabilitiesGrp/EOYAmt05692634
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01163796
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01246802
IRS990/TotalOtherCompensationAmt031150
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0212608
IRS990/TotalProgramServiceRevenueAmt0187115
IRS990/TotalReportableCompFromOrgAmt099368
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0295614
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0295614
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07029036
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt06939436
IRS990/TotReportableCompRltdOrgAmt0143200
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03118 Colerain Av
IRS990/USAddress/CityNm0Cincinnati
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd045225
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd00
ReasonableCauseExplanation/ExplanationTxt0Filed an extension
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Patricia Luken
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum05135412480
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0835 DECA CREDIT UNION INC
ReturnHeader/Filer/BusinessNameControlTxt0835D
ReturnHeader/Filer/EIN0310601950
ReturnHeader/Filer/PhoneNum05135412480
ReturnHeader/Filer/USAddress/AddressLine1Txt03118 Colerain Av
ReturnHeader/Filer/USAddress/CityNm0Cincinnati
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd045225
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02025-11-12T12:58:06-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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