Liabilities / Assets
71st percentile
Higher debt load relative to assets than 71% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
71st percentile
Higher debt load relative to assets than 71% of similar nonprofits.
Liabilities / Revenue
38th percentile
Higher debt load relative to revenue than 38% of similar nonprofits.
Net Margin
31st percentile
Higher net margin than 31% 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
Score unavailable
No earlier valid filing was available within the previous three public years.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Assets
Down$4,026,210
Down $747,309 (-16%) from 2013
Net Assets
Down$508,174
Down $121,724 (-19%) from 2013
Liabilities
Down$3,518,036
Down $625,585 (-15%) from 2013
Revenue
Down$248,915
Down $51,727 (-17%) from 2013
Expenses
Down$253,816
Down $40,477 (-14%) from 2013
Net Income
Down-$4,901
Down $11,250 (-177%) from 2013
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.
The credit union is a member-owned financial organization whose commitment is to provide the best financial service to existing and future members, while maintaining safety, security and soundness.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $2,188,991 | $2,222,959 | ▲ $33,968 |
| Savings and Temporary Cash Investments | $1,407,384 | $1,247,424 | ▼ $159,960 |
| Rtn Earn Endowment Incm Other Fnds | $513,075 | $508,174 | ▼ $4,901 |
| Investments Other Securities | $446,000 | $248,000 | ▼ $198,000 |
| Cash and Non-Interest-Bearing Accounts | $105,068 | $99,048 | ▼ $6,020 |
| Receivables From Officers Etc | $205,438 | $92,030 | ▼ $113,408 |
| Investments Program Related | $44,297 | $47,297 | ▲ $3,000 |
| Accounts Receivable | $40,982 | $39,361 | ▼ $1,621 |
| Land, Buildings, and Equipment, Net | $1,364 | $14,742 | ▲ $13,378 |
| Prepaid Expenses and Deferred Charges | $7,135 | $9,435 | ▲ $2,300 |
| Pledges and Grants Receivable | $0 | $0 | → $0 |
| Receivable From Disqualified Prsn | $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 | - | - |
| Total Assets | $4,451,512 | $4,026,210 | ▼ $425,302 |
| Other Assets Total | $4,853 | $5,914 | ▲ $1,061 |
| Liabilities | |||
| Other Liabilities | $3,935,534 | $3,516,442 | ▼ $419,092 |
| Accounts Payable and Accrued Expenses | $2,903 | $1,594 | ▼ $1,309 |
| Grants Payable | $0 | - | - |
| Mortgage Notes Payable Secured by Investment Property | $0 | - | - |
| Unsecured Notes Loans Payable | $0 | - | - |
| Deferred Revenue | $0 | - | - |
| Escrow Account Liability | $0 | - | - |
| Tax Exempt Bond Liabilities | $0 | - | - |
| Total Liabilities | $3,938,437 | $3,518,036 | ▼ $420,401 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $513,075 | $508,174 | ▼ $4,901 |
| Total Liabilities and Net Assets / Fund Balance | $4,451,512 | $4,026,210 | ▼ $425,302 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $14,742 | $55,538 | $70,280 |
| Buildings | $0 | $0 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $0 | - | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Other Securities | $248,000 | - | - |
| Closely Held Equity Interests | $0 | - | - |
| Financial Derivatives | $0 | - | - |
| Name | Title |
|---|---|
| Herb Bushu | Chairperson |
| Benjamin Miller | Vice Chairperson |
| Edward Wadsworth | Director |
| Nancy Gregory | Director |
| Allan Carleton | Assistant Treasurer |
| Angela Stout | Secretary |
| Tim Suter | Treasurer |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $122,589 |
| Other Expenses | $110,767 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $97,331 |
| Payroll Taxes | - | - | - | $25,258 |
| Office Expenses | - | - | - | $24,492 |
| Benefits to Members | - | - | - | $20,460 |
| Occupancy | - | - | - | $9,887 |
| Information Technology | - | - | - | $9,822 |
| Fees for Services Accounting | - | - | - | $7,640 |
| Insurance | - | - | - | $7,179 |
| Fees for Services Legal | - | - | - | $3,705 |
| All Other Expenses | - | - | - | $3,330 |
| Fees for Services Other | - | - | - | $3,074 |
| Depreciation Depletion | - | - | - | $2,502 |
| Conferences and Meetings | - | - | - | $2,198 |
| Advertising | - | - | - | $2,064 |
| Other Expenses | - | - | - | $1,700 |
| Total Functional Expenses | $0 | $0 | $0 | $253,816 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $205,438 | $92,030 | ▼ $113,408 |
| Loans from Officers, Directors, Trustees, and Key Employees | $0 | - | - |
| Receivables from Disqualified Persons | $0 | $0 | → $0 |
| Liability | Amount |
|---|---|
| Shares | $1,556,795 |
| Share Certificiates | $1,054,882 |
| IRA's Shares & Certificates | $620,125 |
| Share Drafts | $280,198 |
| Christmas Club Shares | $2,555 |
“Each individual with a credit union savings account is a member of the credit union. The credit union is comprised of a single class of approximately 743 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.”
“The member-owners of the credit union have the authority to elect the members of the board of directors who govern the operations for three-year terms on a rotating basis. Candidates are elected by a simple plurality vote.”
“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.”
“Prior to being filed with the IRS, 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's and manager's review, the forms are reviewed and a vote taken at the next board meeting to accept Form 990 and the related schedules.”
“The Conflict of Interest Policy is reviewed annually. The board members are required to disclose any potential conflict of interest.”
“The board of directors meet in executive session and reviews the manager's and employees' salaries. After a review and discussion of comparability data, the board votes to approve the salaries. The last review was performed in August 2017.”
“The credit union's financial statements are posted in the credit union's lobby. They are available on-line 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's office during posted business hours.”
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 | 2903 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 1594 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 40982 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 39361 |
| IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | The credit union is a member-owned financial organization whose commitment is to provide the best financial service to existing and future members, while maintaining safety, security and soundness. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 2064 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 3330 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 20460 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Bobbie J Risner |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 9373253582 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 420 S York Street |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Springfield |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | OH |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 455052143 |
| 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 | 105068 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 99048 |
| 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 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 2198 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 20460 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 17700 |
| IRS990/CYOtherExpensesAmt | 0 | 110767 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 231215 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -4901 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 122589 |
| IRS990/CYTotalExpensesAmt | 0 | 253816 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 248915 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 2502 |
| IRS990/Desc | 0 | The credit union serviced their 743 members by providing deposit services including regular share accounts, share draft accounts, share certificates and IRA accounts. The members have access to home banking, debit cards, credit cards and ATMs. The credit unions net worth increased 1.10% during the year. |
| 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 | 4 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 0 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 7640 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 3705 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 3074 |
| 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/AverageHoursPerWeekRltdOrgRt | 0 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0.5 |
| 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 | 0.75 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0.5 |
| 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 | Nancy Gregory |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Edward Wadsworth |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Allan Carleton |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Tim Suter |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Angela Stout |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Benjamin Miller |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Herb Bushu |
| 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 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Assistant Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Vice Chairperson |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Chairperson |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/FormationYr | 0 | 1964 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsPayableGrp/BOYAmt | 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 | 248915 |
| 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/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 9822 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 7179 |
| IRS990/IntangibleAssetsGrp/BOYAmt | 0 | 0 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 17700 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 17700 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 446000 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 248000 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 44297 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 47297 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 78 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 55538 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1364 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 14742 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 70280 |
| IRS990/LegalDomicileStateCd | 0 | OH |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/BOYAmt | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | 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. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 513075 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 508174 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NoListedPersonsCompensatedInd | 0 | X |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 9887 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 24492 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 4853 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 5914 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan Servicing/VISA Expenses |
| IRS990/OtherExpensesGrp/Desc | 1 | CUCheck ATM |
| IRS990/OtherExpensesGrp/Desc | 2 | Supervisory Fee Expense |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 16748 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 16426 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 1700 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 3935534 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 3516442 |
| IRS990/OtherOrganizationDsc | 0 | Credit Union |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 97331 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 2188991 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 2222959 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 25258 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 7135 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 9435 |
| IRS990/PrincipalOfficerNm | 0 | Herbert Bushu |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 4 | 524298 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Credit Card Interest Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Fees and Charges Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | Other Operating Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 4 | GAP Insurance Income |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 3 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 4 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 129227 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 26134 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 50620 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 17082 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 4 | 4275 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 129227 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 26134 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 50620 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 17082 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 4 | 4275 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 3 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 4 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | The credit union paid competitive dividends on 1,094 share accounts, share certificate accounts and IRA accounts held by the credit union's 743 members. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | The credit union granted 125 loans in 2017 totaling $1,063,928 at competitive loan rates. Loan products offered by the credit union include credit cards, unsecured loans, vehicle loans, share secured loans and recreational vehicle loans. Net charge-off to average loans decreased from 0.18% in December 2016 to -0.05% in December 2017. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 14970 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 102159 |
| IRS990/PYOtherRevenueAmt | 0 | 4563 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 244755 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 51198 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 110931 |
| IRS990/PYTotalExpensesAmt | 0 | 213090 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 264288 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt | 0 | 0 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 205438 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 92030 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -4901 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 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 | 513075 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 508174 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 1407384 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 1247424 |
| 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/CloselyHeldEquityInterestsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 14742 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 55538 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 70280 |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 1887 |
| IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt | 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 | 1556795 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 1054882 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 620125 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 280198 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 2555 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Shares |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | Share Certificiates |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | IRA's Shares & Certificates |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | Share Drafts |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | Christmas Club Shares |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 248000 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | Certificates Primary Financial Company |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 14742 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 248000 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 3516442 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Each individual with a credit union savings account is a member of the credit union. The credit union is comprised of a single class of approximately 743 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 | 1 | The member-owners of the credit union have the authority to elect the members of the board of directors who govern the operations for three-year terms on a rotating basis. Candidates are elected by a simple plurality vote. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | 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 | 3 | Prior to being filed with the IRS, 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's and manager's review, the forms are reviewed and a vote taken at the next board meeting to accept Form 990 and the related schedules. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | The Conflict of Interest Policy is reviewed annually. The board members are required to disclose any potential conflict of interest. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | The board of directors meet in executive session and reviews the manager's and employees' salaries. After a review and discussion of comparability data, the board votes to approve the salaries. The last review was performed in August 2017. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | The credit union's financial statements are posted in the credit union's lobby. They are available on-line 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's office during posted business hours. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, Line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, Line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section B, Line 15 |
| 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/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 4451512 |
| IRS990/TotalAssetsEOYAmt | 0 | 4026210 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 4451512 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 4026210 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 4 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 253816 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 3938437 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 3518036 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 3938437 |
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Displayed year
2017 • Form 990Detailed filing. Detailed filing data is available for this year.