Civic Intelligence

Whitehall Credit Union

990 • Fiscal year 2013 • EIN 31-0628671

Jan 01, 2013 to Dec 31, 2013 • Filed on May 08, 2014

Organization Profilewhitehallcu.org

View Organization Page

5025 East Main Street43213

(614) 866-0120

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

53rd percentile

0.87x

Higher debt load relative to assets than 53% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

65th percentile

23.13x

Higher debt load relative to revenue than 65% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

16th percentile

-7.5%

Higher net margin than 16% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

96th percentile

$131,052

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 19.7% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

35th percentile

-0.1%

Faster asset growth than 35% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Down

$17,642,132

Down $21,338 (-0.1%) from 2012

Net Assets

Down

$2,222,510

Down $49,694 (-2.2%) from 2012

Liabilities

Up

$15,419,622

Up $28,356 (+0.2%) from 2012

Revenue And Expenses
Liabilities / Revenue65th percentileNet Margin16th percentile

Revenue

$666,607

No earlier filing loaded for comparison.

Expenses

Up

$716,301

Up $8,698 (+1.2%) from 2012

Net Income

-$49,694

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth35th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$20M$15M$10M$5.0M$0Assets 2010: $17,080,982Liabilities 2010: $14,763,718Net Assets 2010: $2,317,2642010Assets 2011: $17,264,388Liabilities 2011: $14,990,347Net Assets 2011: $2,274,0412011Assets 2012: $17,663,470Liabilities 2012: $15,391,266Net Assets 2012: $2,272,2042012Assets 2013: $17,642,132Liabilities 2013: $15,419,622Net Assets 2013: $2,222,5102013Assets 2014: $17,958,163Liabilities 2014: $15,895,703Net Assets 2014: $2,062,4602014Assets 2015: $18,082,494Liabilities 2015: $16,081,366Net Assets 2015: $2,001,1282015Assets 2016: $18,016,607Liabilities 2016: $16,053,708Net Assets 2016: $1,962,8992016Assets 2017: $18,294,357Liabilities 2017: $16,328,787Net Assets 2017: $1,965,5702017Assets 2018: $18,683,515Liabilities 2018: $16,688,606Net Assets 2018: $1,994,9092018Assets 2019: $0Liabilities 2019: $0Net Assets 2019: $02019

Highlighted filing

2013

Assets$17,642,132
Liabilities$15,419,622
Net Assets$2,222,510
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.0M$500K$0-$500KExpenses 2010: $879,2522010Expenses 2011: $777,7602011Expenses 2012: $707,6032012Revenue 2013: $666,607Expenses 2013: $716,301Net Income 2013: -$49,6942013Revenue 2014: $655,473Expenses 2014: $815,523Net Income 2014: -$160,0502014Revenue 2015: $651,895Expenses 2015: $713,227Net Income 2015: -$61,3322015Revenue 2016: $635,414Expenses 2016: $673,643Net Income 2016: -$38,2292016Revenue 2017: $662,990Expenses 2017: $660,319Net Income 2017: $2,6712017Revenue 2018: $699,901Expenses 2018: $670,562Net Income 2018: $29,3392018Revenue 2019: $521,196Expenses 2019: $802,211Net Income 2019: -$281,0152019

Highlighted filing

2013

Revenue$666,607
Expenses$716,301
Net Income-$49,694
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 8, 2014
Return Version
2013v3.0
Gross Receipts
$666,607
Mission and Program Overview

Mission

As a member owned cooperative, we will be responsive to the financial needs of our members, we will offer fiscally sound, high quality, consumer related financial products and services in an honest and friendly manner, providing our members the opportunity to lead secure lifestyles.

Whitehall Credit Union is a financial institution cooperative organized to provide loan and deposit products and services to the member owners.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$8,777,631$8,589,631▼ $188,000
Other Notes and Loans Receivable, Net$7,207,146$7,255,567▲ $48,421
Rtn Earn Endowment Incm Other Fnds$2,272,204$2,222,510▼ $49,694
Savings and Temporary Cash Investments$652,417$751,510▲ $99,093
Land, Buildings, and Equipment, Net$623,061$594,032▼ $29,029
Cash and Non-Interest-Bearing Accounts$99,400$143,227▲ $43,827
Prepaid Expenses and Deferred Charges$64,036$55,092▼ $8,944
Accounts Receivable$6,129$10,660▲ $4,531
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$17,663,470$17,642,132▼ $21,338
Other Assets Total$233,650$242,413▲ $8,763
Liabilities
Other Liabilities$15,351,427$15,374,087▲ $22,660
Accounts Payable and Accrued Expenses$39,839$45,535▲ $5,696
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$15,391,266$15,419,622▲ $28,356
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,272,204$2,222,510▼ $49,694
Total Liabilities and Net Assets / Fund Balance$17,663,470$17,642,132▼ $21,338

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$318,906$203,338$522,244
Equipment$42,758$299,549$342,307
Land$232,368-$232,368
Investment Program Related Org$656,631--
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay96th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jeffrey GardnerChief Executive OfficerFT$109,152$21,900$131,052

Board Members and Trustees

NameTitle
Bob EakinChairman of the Board
Don LutzVice Chairman of Board
Bob WhiteDirector
Bryan WeisbarthDirector
Jim PaceDirector
Pam EnnisSecretary of Board
Gary KubatTreasurer of Board
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$564,168
Investment Income
$102,439
Other Revenue
$0
Change in Net Assets
$-49,694
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$459,678
Salaries, Compensation, and Employee Benefits$256,623
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$2,729$106,423$0$109,152
Other Salaries and Wages$81,652$0$0$81,652
Other Employee Benefits$21,647$22,234$0$43,881
Interest$42,329$0$0$42,329
Occupancy$38,764$0$0$38,764
Office Expenses$31,003$0$0$31,003
Information Technology$30,920$0$0$30,920
Depreciation Depletion$30,785$0$0$30,785
Fees for Services Other$0$28,931$0$28,931
Insurance$12,877$11,672$0$24,549
Advertising$15,970$0$0$15,970
Payroll Taxes$7,675$7,884$0$15,559
Fees for Services Management$0$9,105$0$9,105
Pension Plan Contributions$2,166$4,213$0$6,379
Other Expenses$0$4,618$0$4,618
All Other Expenses$4,196$0$0$4,196
Conferences and Meetings$1,616$2,368$0$3,984
Fees for Services Legal$77$0$0$77
Total Functional Expenses$518,853$197,448$0$716,301
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members share savings$9,254,644
Members draft checking$2,877,318
Members share certificates$2,518,707
Members IRA certificates$533,182
Members IRA savings$190,236
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“All credit unions by charter are member owned.”

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

“All of the governing body is elected by the membership.”

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

“The 990 is reviewed by management and the Board of Directors prior to submission.”

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

“The conflict of interest policy is reviewed by the employees and the Board of Directors annually.”

Form 990, Part VI, Section B, Line 15

“Compensation of key employees is approved by the Board of Directors. Independent compensation surveys are utilized as a tool in setting compensation levels.”

Form 990, Part VI, Section C, Line 19

“The governing documents, conflict of interest policy and financial statements are made available upon request.”

Filing and Contact Details

Filer

EIN
31-0628671
Phone
6148660120

Signing Officer

Name
Jeffrey Gardner
Title
Chief Executive Officer
Phone
6148665025
Signed
2014-05-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jeffrey Gardner
Formed
1978
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
7
Employees
7
Volunteers
7

Preparer

Preparer
Melissa Schmidt
Phone
6145291640
Raw XML AppendixShowing 400 of 563 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.

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IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt0345
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0502887
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0623061
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0594032
IRS990/LandBldgEquipCostOrOtherBssAmt01096919
IRS990/LegalDomicileStateCd0OH
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0As a member owned cooperative, we will be responsive to the financial needs of our members, we will offer fiscally sound, high quality, consumer related financial products and services in an honest and friendly manner, providing our members the opportunity to lead secure lifestyles.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt02272204
IRS990/NetAssetsOrFundBalancesEOYAmt02222510
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt038764
IRS990/OccupancyGrp/TotalAmt038764
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt031003
IRS990/OfficeExpensesGrp/TotalAmt031003
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0233650
IRS990/OtherAssetsTotalGrp/EOYAmt0242413
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt022234
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt021647
IRS990/OtherEmployeeBenefitsGrp/TotalAmt043881
IRS990/OtherExpensesGrp/Desc0Loan servicing (visa, collections)
IRS990/OtherExpensesGrp/Desc1Share servicing (ATM, debit, draft)
IRS990/OtherExpensesGrp/Desc2Regulators
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt24618
IRS990/OtherExpensesGrp/ProgramServicesAmt078042
IRS990/OtherExpensesGrp/ProgramServicesAmt1116405
IRS990/OtherExpensesGrp/ProgramServicesAmt20
IRS990/OtherExpensesGrp/TotalAmt078042
IRS990/OtherExpensesGrp/TotalAmt1116405
IRS990/OtherExpensesGrp/TotalAmt24618
IRS990/OtherLiabilitiesGrp/BOYAmt015351427
IRS990/OtherLiabilitiesGrp/EOYAmt015374087
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt081652
IRS990/OtherSalariesAndWagesGrp/TotalAmt081652
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt07207146
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt07255567
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt07884
IRS990/PayrollTaxesGrp/ProgramServicesAmt07675
IRS990/PayrollTaxesGrp/TotalAmt015559
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt04213
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt02166
IRS990/PensionPlanContributionsGrp/TotalAmt06379
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt064036
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt055092
IRS990/PrincipalOfficerNm0Jeffrey Gardner
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans to members
IRS990/ProgramServiceRevenueGrp/Desc1Fees to members
IRS990/ProgramServiceRevenueGrp/Desc2ATM surcharges to nonmembers
IRS990/ProgramServiceRevenueGrp/Desc3Rental income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0369047
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1184844
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt30
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0369047
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1184844
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21727
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt38550
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt21727
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt38550
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0123405
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0433348
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0582361
IRS990/PYRevenuesLessExpensesAmt0-1837
IRS990/PYSalariesCompEmpBnftPaidAmt0274255
IRS990/PYTotalExpensesAmt0707603
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0705766
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-49694
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt0656330
IRS990/RoyaltiesGrp/FundraisingAmt00
IRS990/RoyaltiesGrp/ManagementAndGeneralAmt00
IRS990/RoyaltiesGrp/ProgramServicesAmt00
IRS990/RoyaltiesGrp/TotalAmt00

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$17,642,132
Liabilities
$15,419,622
Net assets
$2,222,510
Revenue
$666,607
Expenses
$716,301
Net income
-$49,694
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.52$0.80$0.28
2018Detailed filing. Detailed filing data is available for this year.$18.7$16.7$1.99$0.70$0.67$0.03
2017Detailed filing. Detailed filing data is available for this year.$18.3$16.3$1.97$0.66$0.66$0.00
2016Detailed filing. Detailed filing data is available for this year.$18.0$16.1$1.96$0.64$0.67$0.04
2015Detailed filing. Detailed filing data is available for this year.$18.1$16.1$2.00$0.65$0.71$0.06
2014Detailed filing. Detailed filing data is available for this year.$18.0$15.9$2.06$0.66$0.82$0.16
2013Detailed filing. Detailed filing data is available for this year.$17.6$15.4$2.22$0.67$0.72$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.7$15.4$2.27$0.71
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.3$15.0$2.27$0.78
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.1$14.8$2.32$0.88
Peer Organizations

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