Liabilities / Assets
76th percentile
Higher debt load relative to assets than 76% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
76th percentile
Higher debt load relative to assets than 76% of similar nonprofits.
Liabilities / Revenue
42nd percentile
Higher debt load relative to revenue than 42% of similar nonprofits.
Net Margin
20th percentile
Higher net margin than 20% of similar nonprofits.
Top Officer Pay
23rd percentile
Higher top officer pay than 23% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
76th percentile
Faster asset growth than 76% of similar nonprofits.
Revenue Growth
34th percentile
Faster revenue growth than 34% of similar nonprofits.
Assets
Up$4,144,781
Up $118,571 (+2.9%) from 2017
Net Assets
Down$485,285
Down $22,889 (-4.5%) from 2017
Liabilities
Up$3,659,496
Up $141,460 (+4.0%) from 2017
Revenue
Up$254,246
Up $5,331 (+2.1%) from 2017
Expenses
Up$268,853
Up $15,037 (+5.9%) from 2017
Net Income
Down-$14,607
Down $9,706 (-198%) from 2017
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 | $2,222,959 | $2,389,789 | ▲ $166,830 |
| Investments Other Securities | $248,000 | $1,098,000 | ▲ $850,000 |
| Rtn Earn Endowment Incm Other Fnds | $508,174 | $485,285 | ▼ $22,889 |
| Savings and Temporary Cash Investments | $1,247,424 | $406,683 | ▼ $840,741 |
| Cash and Non-Interest-Bearing Accounts | $99,048 | $88,180 | ▼ $10,868 |
| Receivables From Officers Etc | $92,030 | $58,235 | ▼ $33,795 |
| Investments Program Related | $47,297 | $48,547 | ▲ $1,250 |
| Accounts Receivable | $39,361 | $35,148 | ▼ $4,213 |
| Land, Buildings, and Equipment, Net | $14,742 | $11,601 | ▼ $3,141 |
| Prepaid Expenses and Deferred Charges | $9,435 | $2,570 | ▼ $6,865 |
| 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 | $0 | → $0 |
| Total Assets | $4,026,210 | $4,144,781 | ▲ $118,571 |
| Other Assets Total | $5,914 | $6,028 | ▲ $114 |
| Liabilities | |||
| Other Liabilities | $3,516,442 | $3,656,068 | ▲ $139,626 |
| Accounts Payable and Accrued Expenses | $1,594 | $3,428 | ▲ $1,834 |
| 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 | $3,518,036 | $3,659,496 | ▲ $141,460 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $508,174 | $485,285 | ▼ $22,889 |
| Total Liabilities and Net Assets / Fund Balance | $4,026,210 | $4,144,781 | ▲ $118,571 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $11,601 | $58,680 | $70,281 |
| Buildings | $0 | $0 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $0 | - | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Other Securities | $1,098,000 | - | - |
| Closely Held Equity Interests | $0 | - | - |
| Financial Derivatives | $0 | - | - |
| Name | Title |
|---|---|
| Herb Bushu | Chairperson |
| Benjamin Miller | Vice Chairperson |
| Allan Carleton | Director |
| Edward Wadsworth | Director |
| Nancy Gregory | Director |
| Constance Wilcox | Secretary |
| Tim Suter | Treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $123,936 |
| Salaries, Compensation, and Employee Benefits | $123,144 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $96,282 |
| Benefits to Members | - | - | - | $21,773 |
| Fees for Services Accounting | - | - | - | $21,671 |
| Other Employee Benefits | - | - | - | $16,777 |
| Office Expenses | - | - | - | $15,093 |
| Occupancy | - | - | - | $11,254 |
| Information Technology | - | - | - | $10,612 |
| Payroll Taxes | - | - | - | $7,969 |
| Insurance | - | - | - | $7,463 |
| Conferences and Meetings | - | - | - | $3,343 |
| Other Expenses | - | - | - | $3,238 |
| Fees for Services Other | - | - | - | $3,144 |
| Depreciation Depletion | - | - | - | $3,142 |
| Advertising | - | - | - | $2,191 |
| Pension Plan Contributions | - | - | - | $2,116 |
| All Other Expenses | - | - | - | $1,311 |
| Payments to Affiliates | - | - | - | $1,007 |
| Fees for Services Legal | - | - | - | $668 |
| Total Functional Expenses | $0 | $0 | $0 | $268,853 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $92,030 | $58,235 | ▼ $33,795 |
| Loans from Officers, Directors, Trustees, and Key Employees | $0 | $0 | → $0 |
| Receivables from Disqualified Persons | $0 | $0 | → $0 |
| Liability | Amount |
|---|---|
| Shares | $1,655,266 |
| Certificates | $1,125,983 |
| IRA's Shares & Certificates | $609,577 |
| Share Drafts | $261,752 |
| Christmas Club | $1,990 |
“Each individual with a credit union share savings account is a member of the organization The credit union is comprised of a single class of approximately 723 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 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. The board of directors are informed of the filing of 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 and sign a Conflict of Interest statement.”
“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 2018.”
“The credit union's monthly 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, financial statements and Conflict of Interest Policy 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 | 1594 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 3428 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 39361 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 35148 |
| 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 | 2191 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 1311 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 21773 |
| 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 | 99048 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 88180 |
| 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 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 3343 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 21773 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 23547 |
| IRS990/CYOtherExpensesAmt | 0 | 123936 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 230699 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -14607 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 123144 |
| IRS990/CYTotalExpensesAmt | 0 | 268853 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 254246 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 0 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 3142 |
| IRS990/Desc | 0 | The credit union serviced their 723 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. Shares increased 4.00% in 2018. |
| 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/EscrowAccountLiabilityGrp/EOYAmt | 0 | 0 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 21671 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 668 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 3144 |
| 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 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.75 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.50 |
| 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 | Nancy Gregory |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Edward Wadsworth |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Allan Carleton |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Tim Suter |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Constance Wilcox |
| 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 | Director |
| 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/FSAuditedInd | 0 | 0 |
| 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/GrantsPayableGrp/EOYAmt | 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 | 254246 |
| 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 | 10612 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 7463 |
| 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 | 23547 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 23547 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 248000 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 1098000 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 47297 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 48547 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 78 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 58680 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 14742 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 11601 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 70281 |
| IRS990/LegalDomicileStateCd | 0 | OH |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/BOYAmt | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/EOYAmt | 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/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 508174 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 485285 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NoListedPersonsCompensatedInd | 0 | X |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 11254 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 15093 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 5914 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 6028 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 16777 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan Servicing/VISA Expenses |
| IRS990/OtherExpensesGrp/Desc | 1 | CUCheck ATM/Fraud |
| IRS990/OtherExpensesGrp/Desc | 2 | ACH/ACE/IRA Expenses |
| IRS990/OtherExpensesGrp/Desc | 3 | Supervisory Fee Expenses |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 17964 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 17574 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 4261 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 3238 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 3516442 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 3656068 |
| IRS990/OtherOrganizationDsc | 0 | Credit Union |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 96282 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 2222959 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 2389789 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 1007 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 7969 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 2116 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 9435 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 2570 |
| IRS990/PrincipalOfficerNm | 0 | Herbert Bushu |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | -8282 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 4 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Credit Card Interest Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Fees Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | Interchange/VISA Fee 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 | 121975 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 27000 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 51205 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 18163 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 4 | 4800 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 121975 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 27000 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 51205 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 18163 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 4 | 4800 |
| 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 1,092 share accounts, share certificate accounts and IRA accounts held by the credit union's 723 members. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | The credit union granted 100 loans in 2018 totaling $1,102,797 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. Loans increased 5.90% in 2018. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 20460 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 17700 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 110767 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 231215 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -4901 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 122589 |
| IRS990/PYTotalExpensesAmt | 0 | 253816 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 248915 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt | 0 | 0 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 92030 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 58235 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -14607 |
| 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 | 508174 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 485285 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 1247424 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 406683 |
| 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 | 11601 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 58680 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 70281 |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 1500 |
| 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 | 1655266 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 1990 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 609577 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 261752 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 1125983 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Shares |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | Christmas Club |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | IRA's Shares & Certificates |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | Share Drafts |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | Certificates |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 1098000 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | Certificates at Primary Financial Company |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 11601 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 1098000 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 3656068 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Each individual with a credit union share savings account is a member of the organization The credit union is comprised of a single class of approximately 723 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 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. The board of directors are informed of the filing of 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 and sign a Conflict of Interest statement. |
| 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 2018. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | The credit union's monthly 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, financial statements and Conflict of Interest Policy 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/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt | 0 | 0 |
| IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 4026210 |
| IRS990/TotalAssetsEOYAmt | 0 | 4144781 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 4026210 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 4144781 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
No mirrored PDF or thumbnail assets are attached yet.
Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.