Civic Intelligence

955 Sharefax Credit Union Inc

EIN 31-0627742 • 501(c)14 • Cincinnati, OH

View Organization Page

Profile

We are a member-owned, not-for-profit financial institution. Our mission: we are a cooperative formed for the sole purpose of improving the financial wellbeing of our members.

604 Ivy GatewayCincinnati, OH 45245

www.sharefax.org

Siviq Scores

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

Liabilities / Assets

1st percentile

0.00x

Higher debt load relative to assets than 1% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

1st percentile

0.06x

Higher debt load relative to revenue than 1% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

25th percentile

4.3%

Higher net margin than 25% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

34th percentile

$376,676

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

31st percentile

0.5%

Faster asset growth than 31% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

80th percentile

20%

Faster revenue growth than 80% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets1st percentile

Assets

Up

$507,293,391

Up $2,612,173 (+0.5%) from 2023

Liabilities

Down

$1,514,138

Down $421,645 (-22%) from 2023

Net Assets

Up

$505,779,253

Up $3,033,818 (+0.6%) from 2023

Operations
Liabilities / Revenue1st percentileNet Margin25th percentile

Revenue

Up

$26,557,563

Up $4,355,346 (+20%) from 2023

Expenses

Up

$25,417,323

Up $4,513,846 (+22%) from 2023

Net Income

Down

$1,140,240

Down $158,500 (-12%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth31st percentile

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

$600M$400M$200M$0Assets 2010: $259,731,475Liabilities 2010: $1,644,379Net Assets 2010: $258,087,0962010Assets 2011: $277,863,061Liabilities 2011: $2,217,827Net Assets 2011: $275,645,2342011Assets 2012: $304,890,490Liabilities 2012: $2,041,830Net Assets 2012: $302,848,6602012Assets 2013: $315,624,577Liabilities 2013: $1,226,655Net Assets 2013: $314,397,9222013Assets 2014: $325,526,270Liabilities 2014: $1,421,839Net Assets 2014: $324,104,4312014Assets 2015: $340,543,011Liabilities 2015: $1,675,458Net Assets 2015: $338,867,5532015Assets 2016: $360,080,858Liabilities 2016: $1,643,739Net Assets 2016: $358,437,1192016Assets 2017: $371,991,602Liabilities 2017: $1,768,746Net Assets 2017: $370,222,8562017Assets 2018: $382,579,997Liabilities 2018: $1,886,132Net Assets 2018: $380,693,8652018Assets 2019: $397,226,742Liabilities 2019: $2,622,128Net Assets 2019: $394,604,6142019Assets 2020: $430,891,781Liabilities 2020: $1,625,118Net Assets 2020: $429,266,6632020Assets 2021: $476,733,976Liabilities 2021: $1,654,226Net Assets 2021: $475,079,7502021Assets 2022: $514,929,234Liabilities 2022: $20,317,334Net Assets 2022: $494,611,9002022Assets 2023: $504,681,218Liabilities 2023: $1,935,783Net Assets 2023: $502,745,4352023Assets 2024: $507,293,391Liabilities 2024: $1,514,138Net Assets 2024: $505,779,2532024

Highlighted filing

2024

Assets$507,293,391
Liabilities$1,514,138
Net Assets$505,779,253
Open 2024 Filing

Operations Trend

Revenue Growth80th percentile

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

$30M$20M$10M$0Expenses 2010: $11,884,3322010Expenses 2011: $10,670,2802011Expenses 2012: $9,900,7952012Revenue 2013: $13,173,855Expenses 2013: $9,959,134Net Income 2013: $3,214,7212013Revenue 2014: $13,321,909Expenses 2014: $10,812,672Net Income 2014: $2,509,2372014Revenue 2015: $13,325,784Expenses 2015: $12,128,163Net Income 2015: $1,197,6212015Revenue 2016: $13,362,498Expenses 2016: $11,874,783Net Income 2016: $1,487,7152016Revenue 2017: $14,672,891Expenses 2017: $12,779,480Net Income 2017: $1,893,4112017Revenue 2018: $17,097,262Expenses 2018: $14,491,642Net Income 2018: $2,605,6202018Revenue 2019: $18,312,623Expenses 2019: $16,029,243Net Income 2019: $2,283,3802019Revenue 2020: $16,755,561Expenses 2020: $14,250,112Net Income 2020: $2,505,4492020Revenue 2021: $17,127,744Expenses 2021: $14,582,593Net Income 2021: $2,545,1512021Revenue 2022: $18,157,504Expenses 2022: $16,363,570Net Income 2022: $1,793,9342022Revenue 2023: $22,202,217Expenses 2023: $20,903,477Net Income 2023: $1,298,7402023Revenue 2024: $26,557,563Expenses 2024: $25,417,323Net Income 2024: $1,140,2402024

Highlighted filing

2024

Revenue$26,557,563
Expenses$25,417,323
Net Income$1,140,240
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$507,293,391
Liabilities
$1,514,138
Net assets
$505,779,253
Revenue
$26,557,563
Expenses
$25,417,323
Net income
$1,140,240
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$507$1.51$506$26.6$25.4$1.14
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$505$1.94$503$22.2$20.9$1.30
2022Detailed filing. Detailed filing data is available for this year.$515$20.3$495$18.2$16.4$1.79
2021Detailed filing. Detailed filing data is available for this year.$477$1.65$475$17.1$14.6$2.55
2020Detailed filing. Detailed filing data is available for this year.$431$1.63$429$16.8$14.3$2.51
2019Detailed filing. Detailed filing data is available for this year.$397$2.62$395$18.3$16.0$2.28
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$383$1.89$381$17.1$14.5$2.61
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$372$1.77$370$14.7$12.8$1.89
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$360$1.64$358$13.4$11.9$1.49
2015Detailed filing. Detailed filing data is available for this year.$341$1.68$339$13.3$12.1$1.20
2014Detailed filing. Detailed filing data is available for this year.$326$1.42$324$13.3$10.8$2.51
2013Detailed filing. Detailed filing data is available for this year.$316$1.23$314$13.2$9.96$3.21
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$305$2.04$303$9.90
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$278$2.22$276$10.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$260$1.64$258$11.9
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 13, 2025
Return Version
2024v5.2
Gross Receipts
$26,557,563
Mission and Program Overview

Mission

We are a member-owned, not-for-profit financial institution. Our mission: we are a cooperative formed for the sole purpose of improving the financial wellbeing of our members.

We are a member-owned, not-for-profit financial institution. Our mission: we are a cooperative formed for the sole purpose of improving the financial well being of our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$455,237,227$454,408,750▼ $828,477
Other Notes and Loans Receivable, Net$356,695,125$355,367,821▼ $1,327,304
Savings and Temporary Cash Investments$120,424,060$119,125,043▼ $1,299,017
Rtn Earn Endowment Incm Other Fnds$47,508,208$51,370,503▲ $3,862,295
Land, Buildings, and Equipment, Net$13,358,795$13,003,391▼ $355,404
Prepaid Expenses and Deferred Charges$1,815,145$2,961,447▲ $1,146,302
Cash and Non-Interest-Bearing Accounts$1,094,913$1,299,890▲ $204,977
Investments in Publicly Traded Securities$717,085$858,300▲ $141,215
Accounts Receivable$155,789$168,058▲ $12,269
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$504,681,218$507,293,391▲ $2,612,173
Other Assets Total$10,420,306$14,509,441▲ $4,089,135
Liabilities
Accounts Payable and Accrued Expenses$1,935,783$1,514,138▼ $421,645
Total Liabilities$1,935,783$1,514,138▼ $421,645
Net Assets / Fund Balance
Total Net Assets Fund Balance$502,745,435$505,779,253▲ $3,033,818
Total Liabilities and Net Assets / Fund Balance$504,681,218$507,293,391▲ $2,612,173

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$9,021,050$4,045,931$13,066,981
Equipment$1,219,271$2,316,482$3,535,753
Land$2,763,070-$2,763,070
Compensation and Service Providers
Top Officer Pay34th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Todd CainPresident/CEOFT$310,000$66,676$376,676
Margaret MoffittVP of OperationsFT$135,476$38,709$174,185
Carl FiteCIOFT$139,400$26,545$165,945
Colleen CorcorahnVP of Branch OperationsFT$128,191$20,189$148,380
Rebecca JesterVP of AccountingFT$122,516$19,843$142,359
Patrick WohlfromVP of Member Services/riskFT$123,829$14,249$138,078
Brett GuidoMortgage Lending ManagerFT$107,077$11,500$118,577

Board Members and Trustees

NameTitle
David AaronsonChairperson
Daniel MurphyVice-chairperson
Charles Hertlein JrDirector
Deborah JohnsonDirector
Dennis MesserDirector
Tyrone UgarteDirector
Mark FoxSecretary
Susan S OchsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$18,546,321
Investment Income
$2,747,977
Other Revenue
$5,263,265
Change in Net Assets
$1,140,240
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$19,348,756
Salaries, Compensation, and Employee Benefits$6,068,567
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,198,753
Other Expenses---$1,365,366
All Other Expenses---$979,566
Occupancy---$841,356
Payroll Taxes---$397,406
Other Employee Benefits---$339,155
Advertising---$315,355
Depreciation Depletion---$161,412
Pension Plan Contributions---$133,253
Conferences and Meetings---$125,218
Office Expenses---$102,231
Fees for Services Legal---$92,614
Fees for Services Accounting---$44,649
Travel---$16,983
Total Functional Expenses$0$0$0$25,417,323
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
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 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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“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.”

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

“All members in good standing may participate in the election process for board members.”

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

“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.”

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

“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.”

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

“The credit union has checks and balances in place relative to compliance with policy and statures. The credit union has annual audits by an independent cpa firm, the ohio division of financial institutions and ncua examiners.”

Form 990, Part VI, Section B, Line 15A

“The ceo's compensation is approved annually by the board of directors by use of comparability data and goals established by the board of directors. 15b. All other salaries are administreed by the ceo through comparability studies and ability. They must be maintained within the budget parameters as approved by the board of directors.”

Form 990, Part VI, Section C, Line 19

“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.”

Form 990, Part VII Contact Addresses for Officers, Directors, Etc

“Dennis messer - 5286 shady meadows dr, hamilton, oh 45011. Daniel murphy - 5990 four mile road, melbourne, ky 41059. Susan s. Ochs - 12130 regency run court, #2, cincinnati, oh 45240. Tyrone ugarte - 4551 millikin road, liberty twp, oh 45011. Mark fox - 5040 goal post lane, cincinnati, oh 45244. David aaronson - 16 little creek, cincinnati, oh 45246. Charles hertlein, jr - 5224 laurel ridge lane, cincinnati, oh 45247. Carl fite - 604 ivy gateway, cincinnati, oh 45245. Margaret moffitt - 604 ivy gateway, cincinnati, oh 45245. Deborah johnson - 558 musket drive, cincinnati, oh 45244. Colleen corcorahn - 604 ivy gateway, cincinnati, oh 45245. Patrick wohlfrom - 604 ivy gateway, cincinnati, oh 45245. Rebecca jester - 604 ivy gateway, cincinnati, oh 45245. Brett guido - 604 ivy gateway, cincinnati, oh 45245.”

FORM 990, PART VI, SECTION A: SCHEDULE L, PART II

“The credit union is a financial institution and the business nature of the credit union is to loan money. During the normal course of business, interested parties may qualify for a loan. The terms of these loans are comparable to the terms of the loans offered to other members of the credit union.”

Filing and Contact Details

Filer

Filer Name
Sharefax Credit Union Inc
EIN
31-0627742
Phone
5137532440
Address
604 IVY GATEWAY, CINCINNATI, OH 45245

Signing Officer

Name
Todd Cain
Title
President/CEO
Phone
5137532440
Signed
2025-08-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Todd Cain
Formed
1960
Legal Domicile
Oh
Voting Board Members
8
Independent Board Members
8
Employees
112
Volunteers
0

Preparer

Firm
Whitmer & Company Cpas Llp
Address
615 ELSINORE PLACE SUITE 625, CINCINNATI, OH 45202-1427
Preparer
Sharon J Eddingfield
Phone
5133818010
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in members' shares (capital stock) -828,477. Change in other comprehensive income 2,722,055.”

Financial Statement Notes

PART X, LINE 2:

“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, 2024, 2023, 2022, and 2021 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.”

Raw XML AppendixShowing 400 of 458 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/ActivityOrMissionDesc0WE ARE A MEMBER-OWNED, NOT-FOR-PROFIT FINANCIAL INSTITUTION. OUR MISSION: WE ARE A COOPERATIVE FORMED FOR THE SOLE PURPOSE OF IMPROVING THE FINANCIAL WELL BEING OF OUR MEMBERS.
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IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE-CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP OF OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP OF BRANCH OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF MEMBER SERVICES/RISK
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP OF ACCOUNTING
IRS990/Form990PartVIISectionAGrp/TitleTxt14MORTGAGE LENDING MANAGER
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/MinutesOfCommitteesInd01
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IRS990/MissionDesc0WE ARE A MEMBER-OWNED, NOT-FOR-PROFIT FINANCIAL INSTITUTION. OUR MISSION: WE ARE A COOPERATIVE FORMED FOR THE SOLE PURPOSE OF IMPROVING THE FINANCIAL WELLBEING OF OUR MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
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IRS990/OfficeExpensesGrp/TotalAmt0102231
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
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IRS990/OtherAssetsTotalGrp/BOYAmt010420306
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt0339155
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IRS990/OtherExpensesGrp/Desc1DIVIDENDS
IRS990/OtherExpensesGrp/Desc2OTHER OPERATIONS EXPENS
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
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IRS990/OtherExpensesGrp/TotalAmt24240794
IRS990/OtherExpensesGrp/TotalAmt31365366
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IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt03379367
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IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt034997
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IRS990/PYOtherRevenueAmt04992881
IRS990/PYProgramServiceRevenueAmt015083575
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IRS990/PYSalariesCompEmpBnftPaidAmt06452463
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IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt051370503
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0120424060
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0119125043
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt09021050
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04045931
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt013066981
IRS990ScheduleD/EquipmentGrp/BookValueAmt01219271
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02316482
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03535753
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt02763070
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02763070
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE 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, 2024, 2023, 2022, AND 2021 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/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt013003391
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1135476
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2139400
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount031000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount110483
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount210787
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt09300
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt14064
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt24182
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt016798
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt121976
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt210959
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt09578
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt12186
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt2617
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0TODD CAIN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1MARGARET MOFFITT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2CARL FITE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1VP OF OPERATIONS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CIO
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1174185
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2165945
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt20
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine1Txt0SEE SCHEDULE O
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS 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/ExplanationTxt1ALL MEMBERS IN GOOD STANDING MAY PARTICIPATE IN THE ELECTION PROCESS FOR BOARD MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2LIMITED 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/ExplanationTxt3THE 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/ExplanationTxt4THE CREDIT UNION HAS CHECKS AND BALANCES IN PLACE RELATIVE TO COMPLIANCE WITH POLICY AND STATURES. THE CREDIT UNION HAS ANNUAL AUDITS BY AN INDEPENDENT CPA FIRM, THE OHIO DIVISION OF FINANCIAL INSTITUTIONS AND NCUA EXAMINERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CEO'S COMPENSATION IS APPROVED ANNUALLY BY THE BOARD OF DIRECTORS BY USE OF COMPARABILITY DATA AND GOALS ESTABLISHED BY THE BOARD OF DIRECTORS. 15B. ALL OTHER SALARIES ARE ADMINISTREED BY THE CEO THROUGH COMPARABILITY STUDIES AND ABILITY. THEY MUST BE MAINTAINED WITHIN THE BUDGET PARAMETERS AS APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ALL 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/ExplanationTxt7DENNIS MESSER - 5286 SHADY MEADOWS DR, HAMILTON, OH 45011. DANIEL MURPHY - 5990 FOUR MILE ROAD, MELBOURNE, KY 41059. SUSAN S. OCHS - 12130 REGENCY RUN COURT, #2, CINCINNATI, OH 45240. TYRONE UGARTE - 4551 MILLIKIN ROAD, LIBERTY TWP, OH 45011. MARK FOX - 5040 GOAL POST LANE, CINCINNATI, OH 45244. DAVID AARONSON - 16 LITTLE CREEK, CINCINNATI, OH 45246. CHARLES HERTLEIN, JR - 5224 LAUREL RIDGE LANE, CINCINNATI, OH 45247. CARL FITE - 604 IVY GATEWAY, CINCINNATI, OH 45245. MARGARET MOFFITT - 604 IVY GATEWAY, CINCINNATI, OH 45245. DEBORAH JOHNSON - 558 MUSKET DRIVE, CINCINNATI, OH 45244. COLLEEN CORCORAHN - 604 IVY GATEWAY, CINCINNATI, OH 45245. PATRICK WOHLFROM - 604 IVY GATEWAY, CINCINNATI, OH 45245. REBECCA JESTER - 604 IVY GATEWAY, CINCINNATI, OH 45245. BRETT GUIDO - 604 IVY GATEWAY, CINCINNATI, OH 45245.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8CHANGE IN MEMBERS' SHARES (CAPITAL STOCK) -828,477. CHANGE IN OTHER COMPREHENSIVE INCOME 2,722,055.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9THE CREDIT UNION IS A FINANCIAL INSTITUTION AND THE BUSINESS NATURE OF THE CREDIT UNION IS TO LOAN MONEY. DURING THE NORMAL COURSE OF BUSINESS, INTERESTED PARTIES MAY QUALIFY FOR A LOAN. THE TERMS OF THESE LOANS ARE COMPARABLE TO THE TERMS OF THE LOANS OFFERED TO OTHER MEMBERS OF THE CREDIT UNION.
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 A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VII CONTACT ADDRESSES FOR OFFICERS, DIRECTORS, ETC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART VI, SECTION A: SCHEDULE L, PART II
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0OH
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0504681218
IRS990/TotalAssetsEOYAmt0507293391
IRS990/TotalAssetsGrp/BOYAmt0504681218
IRS990/TotalAssetsGrp/EOYAmt0507293391
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt0112
IRS990/TotalFunctionalExpensesGrp/TotalAmt025417323

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