Liabilities / Assets
65th percentile
Higher debt load relative to assets than 65% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.87x
Liabilities / Revenue
35th percentile
Higher debt load relative to revenue than 35% of similar nonprofits.
Net Margin
55th percentile
Higher net margin than 55% of similar nonprofits.
Top Officer Pay
20th percentile
Higher top officer pay than 20% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
17th percentile
Faster asset growth than 17% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
Down$4,773,519
Down $352,157 (-6.9%) from 2012
Net Assets
Up$629,898
Up $6,349 (+1.0%) from 2012
Liabilities
Down$4,143,621
Down $358,506 (-8.0%) from 2012
Revenue And Expenses
Revenue
$300,642
No earlier filing loaded for comparison.
Expenses
Up$294,293
Up $21,325 (+7.8%) from 2012
Net Income
$6,349
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- May 9, 2014
- Return Version
- 2013v3.0
- Gross Receipts
- $300,642
Mission and Program Overview
Mission
The mission of the credit union is to provide the best financial service including savings and loan services to existing and future members within our field of membership, while maintaining safety, security and financial soundness.
A member-owned financial organization whose commitment is to provide the best financial service to existing and future members while maintaining safety, security and financial soundness.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $2,391,122 | $2,676,357 | ▲ $285,235 |
| Savings and Temporary Cash Investments | $1,343,244 | $1,222,107 | ▼ $121,137 |
| Investments Other Securities | $1,150,000 | $648,000 | ▼ $502,000 |
| Rtn Earn Endowment Incm Other Fnds | $623,549 | $629,898 | ▲ $6,349 |
| Investments Program Related | $134,511 | $138,893 | ▲ $4,382 |
| Cash and Non-Interest-Bearing Accounts | $80,835 | $71,996 | ▼ $8,839 |
| Land, Buildings, and Equipment, Net | $12,673 | $4,287 | ▼ $8,386 |
| Prepaid Expenses and Deferred Charges | $3,151 | $2,158 | ▼ $993 |
| Accounts Receivable | $0 | - | - |
| Pledges and Grants Receivable | $0 | - | - |
| Receivable From Disqualified Prsn | $0 | - | - |
| Receivables From Officers Etc | $0 | - | - |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Inventories for Sale or Use | $0 | - | - |
| Total Assets | $5,125,676 | $4,773,519 | ▼ $352,157 |
| Other Assets Total | $10,140 | $9,721 | ▼ $419 |
| Liabilities | |||
| Other Liabilities | $4,489,399 | $4,131,377 | ▼ $358,022 |
| Accounts Payable and Accrued Expenses | $12,728 | $12,244 | ▼ $484 |
| Total Liabilities | $4,502,127 | $4,143,621 | ▼ $358,506 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $623,549 | $629,898 | ▲ $6,349 |
| Total Liabilities and Net Assets / Fund Balance | $5,125,676 | $4,773,519 | ▼ $352,157 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $0 | $0 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $0 | - | $0 |
| Equipment | $4,287 | $78,033 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Other Securities | $648,000 | - | - |
Compensation and Service Providers
Board Members and Trustees
| Name | Title |
|---|---|
| Scott Dyke | Board Chairperson |
| Daniel Cotter | Board Vice Chairperson |
| Craig Carter | Board Director |
| Herb Bushu | Board Member |
| Robert Sanders | Board Member |
| Angela Stout | Board Secretary |
| Tim Suter | Board Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $276,670
- Investment Income
- $23,972
- Other Revenue
- $0
- All Other Contributions
- $0
- Change in Net Assets
- $6,349
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $137,922 |
| Other Expenses | $124,377 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $114,318 |
| Office Expenses | - | - | - | $38,735 |
| Benefits to Members | - | - | - | $31,994 |
| Payroll Taxes | - | - | - | $15,616 |
| Insurance | - | - | - | $11,418 |
| Fees for Services Accounting | - | - | - | $10,410 |
| Occupancy | - | - | - | $8,974 |
| Depreciation Depletion | - | - | - | $8,385 |
| Other Employee Benefits | - | - | - | $7,988 |
| Information Technology | - | - | - | $5,890 |
| All Other Expenses | - | - | - | $5,319 |
| Advertising | - | - | - | $5,317 |
| Other Expenses | - | - | - | $3,120 |
| Fees for Services Legal | - | - | - | $2,033 |
| Conferences and Meetings | - | - | - | $984 |
| Total Functional Expenses | $0 | $0 | $0 | $294,293 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| 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 Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Disqualified Persons | $0 | - | - |
| Receivables from Officers, Directors, Trustees, and Key Employees | $0 | - | - |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Shares, Christmas Club, IRA, Share Drafts, CD's | $4,131,377 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- Yes
- Annual disclosure for covered persons
- Yes
- Audit committee
- 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
- No
- 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
“Each individual with a credit union savings account is a member of the organization. The credit union is comprised of a single class of approximately 912 member-owners. Each member has equal rights in ownership, governance and voting rights at the annual meeting. The board of directors are elected by the member-owners of the credit union at the annual meeting.”
Form 990, Part VI, Section A, Line 7A
“The member-owners of the credit union have the authority to elect the members of the board of directors for three-year terms on a rotating basis. Candidates are elected by a simple plurality vote.”
Form 990, Part VI, Section A, Line 7B
“Changes to the governing documents (Bylaws) are approved by the board of directors and regulatory agencies. Special membership meetings can be called in specific instances.”
Form 990, Part VI, Section B, Line 11B
“Prior to being filed with the IRA, a copy of IRS Form 990 and the related schedules are reviewed by the President and Manager, including a confirmation of the accuracy of every answer and oversight of appropriate changes. Upon completion of the President and Manager's review, the forms are reviewed and vote is taken at the next board meeting to accept Form 990 and the related schedules.”
Form 990, Part VI, Section B, Line 12C
“The Conflict of Interest Policy is reviewed annually. The board members are required to disclose any potential conflict of interest.”
Form 990, Part VI, Section C, Line 19
“The credit union's financial statements are posted in the credit union's lobby. They are available online at www.ncua.gov. The credit union's governing documents, Conflict of Interest Policy, and financial statements can be reviewed by appointment at the credit union office during posted business hours.”
Filing and Contact Details
Filer
- EIN
- 31-0707082
- Phone
- 9373253582
Signing Officer
- Name
- Scott Dyke
- Title
- President
- Phone
- 9373253582
- Signed
- 2014-05-09
Organization Details
- Principal Officer
- Scott Dyke
- Formed
- 1964
- Legal Domicile
- Oh
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 6
- Volunteers
- 17
Supplemental Narrative
Additional Explanations
Form 990, Part III, Line 4D
“All other program operating expenses.”
Raw XML AppendixShowing 400 of 414 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 |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 1 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 12728 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 12244 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | A member-owned financial organization whose commitment is to provide the best financial service to existing and future members while maintaining safety, security and financial soundness. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 5317 |
| IRS990/AllOtherContributionsAmt | 0 | 0 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 5319 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 31994 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Robert Bragg |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 9373253582 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 420 S York Street |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | Springfield |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | OH |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 45505 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 80835 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 71996 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 0 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 0 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 984 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContriRptFundraisingEventAmt | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 31994 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 23972 |
| IRS990/CYOtherExpensesAmt | 0 | 124377 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 276670 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 6349 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 137922 |
| IRS990/CYTotalExpensesAmt | 0 | 294293 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 300642 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 8385 |
| IRS990/Desc | 0 | Direct labor and employee benefit costs incurred providing deposit services, originating new loans, and servicing the loan portfolio for members. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 6 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FederatedCampaignsAmt | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 10410 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 2033 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0.50 |
| 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/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | 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/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Scott Dyke |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Daniel Cotter |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Tim Suter |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Angela Stout |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Craig Carter |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Herb Bushu |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Robert Sanders |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| 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/ReportableCompFromOrgAmt | 6 | 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/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Board Chairperson |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Board Vice Chairperson |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Board Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Board Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Board Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Board Member |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1964 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/FundraisingAmt | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GovernmentGrantsAmt | 0 | 0 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 300642 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 5890 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 11418 |
| IRS990/InterestGrp/TotalAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 23972 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 23972 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 1150000 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 648000 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 134511 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 138893 |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 78033 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 12673 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 4287 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 82320 |
| IRS990/LegalDomicileStateCd | 0 | OH |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembershipDuesAmt | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MiscellaneousRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/MissionDesc | 0 | To provide the best financial service including savings and loan services to existing and future members within our field of membership while maintaining safety, security and financial soundness. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 623549 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 629898 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NoncashContributionsAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 8974 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 38735 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 10140 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 9721 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 7988 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan Servicing Expenses |
| IRS990/OtherExpensesGrp/Desc | 1 | Provision for Loan Losses |
| IRS990/OtherExpensesGrp/Desc | 2 | NCUSIF Premium Assessment |
| IRS990/OtherExpensesGrp/Desc | 3 | Supervisory Fee Expense |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 14138 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 6000 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 3654 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 3120 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 4489399 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 4131377 |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 114318 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 2391122 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 2676357 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 15616 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 3151 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 2158 |
| IRS990/PrincipalOfficerNm | 0 | Scott Dyke |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Other Income |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 177858 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 98812 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 177858 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 98812 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Office Operations costs including supplies, card fee expenses, legal and collection expenses, and data processing expenses to service the credit union's 912 members. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Dividends paid to credit union members on 1,011 share accounts, share certificates, and IRA accounts held by 912 members. |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 0 | All other program operating expenses. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 34399 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 28484 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 112054 |
| IRS990/PYOtherRevenueAmt | 0 | 1919 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 253330 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 10765 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 126515 |
| IRS990/PYTotalExpensesAmt | 0 | 272968 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 283733 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 6349 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RelatedOrganizationsAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 623549 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 629898 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 1343244 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 1222107 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 4287 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 78033 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 82320 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 4131377 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Shares, Christmas Club, IRA, Share Drafts, CD's |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 648000 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | Certificates of Deposit |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 4287 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 648000 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 4131377 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | All other program operating expenses. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Each individual with a credit union savings account is a member of the organization. The credit union is comprised of a single class of approximately 912 member-owners. Each member has equal rights in ownership, governance and voting rights at the annual meeting. The board of directors are elected by the member-owners of the credit union at the annual meeting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | The member-owners of the credit union have the authority to elect the members of the board of directors for three-year terms on a rotating basis. Candidates are elected by a simple plurality vote. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Changes to the governing documents (Bylaws) are approved by the board of directors and regulatory agencies. Special membership meetings can be called in specific instances. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Prior to being filed with the IRA, a copy of IRS Form 990 and the related schedules are reviewed by the President and Manager, including a confirmation of the accuracy of every answer and oversight of appropriate changes. Upon completion of the President and Manager's review, the forms are reviewed and vote is taken at the next board meeting to accept Form 990 and the related schedules. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | The Conflict of Interest Policy is reviewed annually. The board members are required to disclose any potential conflict of interest. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | The credit union's financial statements are posted in the credit union's lobby. They are available online at www.ncua.gov. The credit union's governing documents, Conflict of Interest Policy, and financial statements can be reviewed by appointment at the credit union office during posted business hours. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part III, Line 4d |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section A, Line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section B, Line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section C, Line 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | OH |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 5125676 |
| IRS990/TotalAssetsEOYAmt | 0 | 4773519 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 5125676 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 4773519 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 6 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 294293 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 4502127 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 4143621 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 4502127 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 4143621 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 623549 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 629898 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcExpenseAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcGrantAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcRevenueAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 0 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 276670 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 300642 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 300642 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 17 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 5125676 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 4773519 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 0 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 0 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1 | 0 | 420 S York St |
| IRS990/USAddress/City | 0 | Springfield |
| IRS990/USAddress/State | 0 | OH |
| IRS990/USAddress/ZIPCode | 0 | 455052143 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | edisoncu.net |
| IRS990/WhistleblowerPolicyInd | 0 | 1 |
| ReturnHeader/BuildTS | 0 | 2015-11-30 17:44:51Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Scott Dyke |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | President |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 9373253582 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $4,773,519
- Liabilities
- $4,143,621
- Net assets
- $629,898
- Revenue
- $300,642
- Expenses
- $294,293
- Net income
- $6,349