Civic Intelligence

1134 Credit Union of Ohio

EIN 31-0733646 • 501(c)14 • Hilliard, OH

Profile

Promote thrift and credit to its membership

5500 Britton ParkwayHilliard, OH 43026

www.cuofohio.org

Siviq Scores

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

Liabilities / Assets

55th percentile

0.90x

Higher debt load relative to assets than 55% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

54th percentile

15.54x

Higher debt load relative to revenue than 54% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

10th percentile

0.8%

Higher net margin than 10% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

92nd percentile

$459,212

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 3.9% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

19th percentile

-1.5%

Faster asset growth than 19% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

27th percentile

8.1%

Faster revenue growth than 27% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Assets

Down

$206,289,903

Down $3,050,054 (-1.5%) from 2023

Liabilities

Down

$184,877,610

Down $3,244,001 (-1.7%) from 2023

Net Assets

Up

$21,412,293

Up $193,947 (+0.9%) from 2023

Revenue

Up

$11,896,184

Up $894,229 (+8.1%) from 2023

Expenses

Up

$11,797,793

Up $1,174,671 (+11%) from 2023

Net Income

Down

$98,391

Down $280,442 (-74%) from 2023

Trend Graphs

Balance Sheet Trend

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

$300M$200M$100M$0Assets 2010: $120,569,672Liabilities 2010: $107,008,166Net Assets 2010: $13,561,5062010Assets 2011: $125,761,548Liabilities 2011: $112,186,587Net Assets 2011: $13,574,9612011Assets 2012: $130,004,828Liabilities 2012: $116,133,772Net Assets 2012: $13,871,0562012Assets 2013: $131,439,874Liabilities 2013: $117,283,605Net Assets 2013: $14,156,2692013Assets 2014: $131,495,216Liabilities 2014: $117,153,326Net Assets 2014: $14,341,8902014Assets 2015: $133,608,275Liabilities 2015: $119,278,240Net Assets 2015: $14,330,0352015Assets 2016: $141,181,317Liabilities 2016: $126,706,074Net Assets 2016: $14,475,2432016Assets 2017: $137,199,665Liabilities 2017: $122,517,482Net Assets 2017: $14,682,1832017Assets 2018: $138,705,283Liabilities 2018: $123,721,620Net Assets 2018: $14,983,6632018Assets 2019: $141,776,966Liabilities 2019: $126,416,712Net Assets 2019: $15,360,2542019Assets 2020: $183,994,882Liabilities 2020: $165,116,273Net Assets 2020: $18,878,6092020Assets 2021: $200,863,666Liabilities 2021: $181,905,461Net Assets 2021: $18,958,2052021Assets 2022: $216,113,197Liabilities 2022: $194,847,501Net Assets 2022: $21,265,6962022Assets 2023: $209,339,957Liabilities 2023: $188,121,611Net Assets 2023: $21,218,3462023Assets 2024: $206,289,903Liabilities 2024: $184,877,610Net Assets 2024: $21,412,2932024

Highlighted filing

2024

Assets$206,289,903
Liabilities$184,877,610
Net Assets$21,412,293

Operations Trend

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $7,721,1162010Expenses 2011: $7,334,1922011Expenses 2012: $6,936,7782012Revenue 2013: $7,013,157Expenses 2013: $6,727,944Net Income 2013: $285,2132013Revenue 2014: $6,763,794Expenses 2014: $6,578,173Net Income 2014: $185,6212014Revenue 2015: $6,838,139Expenses 2015: $6,849,994Net Income 2015: -$11,8552015Revenue 2016: $7,281,793Expenses 2016: $7,136,585Net Income 2016: $145,2082016Revenue 2017: $7,525,849Expenses 2017: $7,318,909Net Income 2017: $206,9402017Revenue 2018: $8,084,523Expenses 2018: $7,783,043Net Income 2018: $301,4802018Revenue 2019: $8,478,400Expenses 2019: $8,101,810Net Income 2019: $376,5902019Revenue 2020: $8,350,779Expenses 2020: $8,095,843Net Income 2020: $254,9362020Revenue 2021: $8,147,622Expenses 2021: $8,024,305Net Income 2021: $123,3172021Revenue 2022: $9,292,003Expenses 2022: $8,906,405Net Income 2022: $385,5982022Revenue 2023: $11,001,955Expenses 2023: $10,623,122Net Income 2023: $378,8332023Revenue 2024: $11,896,184Expenses 2024: $11,797,793Net Income 2024: $98,3912024

Highlighted filing

2024

Revenue$11,896,184
Expenses$11,797,793
Net Income$98,391

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$206$185$21.4$11.9$11.8$0.10
2023Detailed filing. Detailed filing data is available for this year.$209$188$21.2$11.0$10.6$0.38
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$216$195$21.3$9.29$8.91$0.39
2021Detailed filing. Detailed filing data is available for this year.$201$182$19.0$8.15$8.02$0.12
2020Detailed filing. Detailed filing data is available for this year.$184$165$18.9$8.35$8.10$0.25
2019Detailed filing. Detailed filing data is available for this year.$142$126$15.4$8.48$8.10$0.38
2018Detailed filing. Detailed filing data is available for this year.$139$124$15.0$8.08$7.78$0.30
2017Detailed filing. Detailed filing data is available for this year.$137$123$14.7$7.53$7.32$0.21
2016Detailed filing. Detailed filing data is available for this year.$141$127$14.5$7.28$7.14$0.15
2015Detailed filing. Detailed filing data is available for this year.$134$119$14.3$6.84$6.85$0.01
2014Detailed filing. Detailed filing data is available for this year.$131$117$14.3$6.76$6.58$0.19
2013Detailed filing. Detailed filing data is available for this year.$131$117$14.2$7.01$6.73$0.29
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$130$116$13.9$6.94
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$126$112$13.6$7.33
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$121$107$13.6$7.72
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 31, 2025
Return Version
2024v5.2
Gross Receipts
$11,896,184
Mission and Program Overview

Mission

Promote thrift and credit to its membership

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$86,836,063$89,130,452▲ $2,294,389
Other Notes and Loans Receivable, Net$83,149,477$85,085,327▲ $1,935,850
Rtn Earn Endowment Incm Other Fnds$21,218,346$21,412,293▲ $193,947
Savings and Temporary Cash Investments$12,986,273$10,290,976▼ $2,695,297
Land, Buildings, and Equipment, Net$6,343,314$6,785,692▲ $442,378
Cash and Non-Interest-Bearing Accounts$1,346,238$1,269,551▼ $76,687
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$209,339,957$206,289,903▼ $3,050,054
Other Assets Total$18,678,592$13,727,905▼ $4,950,687
Liabilities
Other Liabilities$186,627,872$182,872,219▼ $3,755,653
Accounts Payable and Accrued Expenses$1,493,739$2,005,391▲ $511,652
Total Liabilities$188,121,611$184,877,610▼ $3,244,001
Net Assets / Fund Balance
Total Net Assets Fund Balance$21,218,346$21,412,293▲ $193,947
Total Liabilities and Net Assets / Fund Balance$209,339,957$206,289,903▼ $3,050,054

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,682,977$1,254,867$4,937,844
Equipment$566,806$4,142,059$4,708,865
Land$1,712,908-$1,712,908
Other Land Buildings$823,001$196,786$1,019,787
Other Assets Org$6,328,919--
Other Securities$5,760,089--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Richard CapuanoCEOFT$300,913$158,299$459,212
Tonya KeatonExecutive Vice PresidentFT$175,000$58,424$233,424
Jill GerschutzSenior Vice PresidentFT$143,000$64,736$207,736
Karen RoseSVP FinanceFT$150,000$54,249$204,249

Board Members and Trustees

NameTitle
Aristotle HutrasBoard Chair
Debra LawverBoard Vice Chair
Elizabeth ChaseBoard Secretary
Sylvester PattonBoard Treasurer
Danny BaileyDirector
Jonna Saul-andersonDirector
Tahsin HasanDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,453,102
Investment Income
$2,443,082
Other Revenue
$0
Change in Net Assets
$98,391

Audited Revenue Reconciliation

Revenue per Audited Statements
$11,896,184
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$11,896,184
Total Revenue per Form 990
$11,896,184
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,222,757
Salaries, Compensation, and Employee Benefits$4,575,036
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,247,515
Occupancy---$1,942,710
Interest---$1,906,870
Current Officers, Directors, Trustees, and Key Employees---$1,104,621
Other Employee Benefits---$858,417
Office Expenses---$627,060
Depreciation Depletion---$484,056
Advertising---$408,955
Payroll Taxes---$216,962
Pension Plan Contributions---$147,521
Fees for Services Other---$141,997
Insurance---$103,955
Fees for Services Accounting---$98,385
Other Expenses---$59,158
Fees for Services Legal---$12,133
Total Functional Expenses$0$0$0$11,797,793

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$11,797,793
Total Expenses per Audited Statements$11,797,793
Total Expenses per Form 990$11,797,793
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES & DEPOSITS$182,872,219
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
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

Membership is required for the credit union through select group qualifications.

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

Board of directors elected by members.

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

Certain transactions and changes to code of regulations require member approval.

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

Management reviews the form 990 prior to being filed.

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

Each year all directors and key employees are required to review and sign the conflict of interest policy.

Form 990, Part VI, Section B, Line 15

Third party consultant used to review comparables and approved by the board of directors. The ceo uses third party comparables from consultant and sets salaries within budget levels set by board of directors for the other employees.

Form 990, Part VI, Section C, Line 19

The organization's documents are not available to the public.

Filing and Contact Details

Filer

Filer Name
1134 Credit Union of Ohio
EIN
31-0733646
Phone
6144876650
Address
5500 BRITTON PARKWAY, HILLIARD, OH 43026

Signing Officer

Name
Richard Capuano Jr
Title
CEO
Phone
6144876650
Signed
2025-10-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Richard Capuano Jr
Formed
1967
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
7
Employees
58
Volunteers
7

Preparer

Firm
Gbq Partners LLC
Address
4030 SMITH ROAD SUITE 400, CINCINNATI, OH 45209
Preparer
Kathleen M Moseley
Phone
5138713033
Supplemental Narrative

Additional Explanations

FORM 990, PART XIII, LINE 2C:

The process has not changed from prior year.

Financial Statement Notes

PART X, LINE 2:

The credit union accounts for uncertainty in income taxes in its financial statements as required under financial accounting standards board (fasb) accounting standards codification, accounting for uncertainty in income taxes. The standard prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. The standard also provides guidance on de-recognition, classification, interest and penalties, accounting in interim periods, disclosure and transition accounting. Management determined there were no material uncertain positions taken by the credit union in its tax returns.

Form 990, Part IV, Line 9

The organization provides credit counseling to its members upon request. There are no amounts related to this service listed on form 990, part x.

Raw XML AppendixShowing 400 of 494 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PROMOTE THRIFT AND CREDIT TO ITS MEMBERSHIP
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt021218346
IRS990/NetAssetsOrFundBalancesEOYAmt021412293
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt095556
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01942710
IRS990/OfficeExpensesGrp/TotalAmt0627060
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt018678592
IRS990/OtherAssetsTotalGrp/EOYAmt013727905
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0858417
IRS990/OtherExpensesGrp/Desc0PROCESSING FEES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2OTHER
IRS990/OtherExpensesGrp/Desc3DUES AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/TotalAmt0785961
IRS990/OtherExpensesGrp/TotalAmt1445485
IRS990/OtherExpensesGrp/TotalAmt2206032
IRS990/OtherExpensesGrp/TotalAmt359158
IRS990/OtherLiabilitiesGrp/BOYAmt0186627872
IRS990/OtherLiabilitiesGrp/EOYAmt0182872219
IRS990/OtherSalariesAndWagesGrp/TotalAmt02247515
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt083149477
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt085085327
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0216962
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0147521
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0RICHARD CAPUANO JR
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1COMMISSIONS & INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05466290
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13920526
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05466290
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13986812
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt066286
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt02298024
IRS990/PYOtherExpensesAmt06329831
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt08703931
IRS990/PYRevenuesLessExpensesAmt0378833
IRS990/PYSalariesCompEmpBnftPaidAmt04293291
IRS990/PYTotalExpensesAmt010623122
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt011001955
IRS990/ReconcilationRevenueExpnssAmt098391
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt021218346
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt021412293
IRS990/SavingsAndTempCashInvstGrp/BOYAmt012986273
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010290976
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03682977
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01254867
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04937844
IRS990ScheduleD/EquipmentGrp/BookValueAmt0566806
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04142059
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04708865
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt011797793
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LandGrp/BookValueAmt01712908
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01712908
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0311010
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1471972
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt21855682
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt34760322
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt46328919
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST RECEIVABLE ON INVESTMENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1ACCRIED INTEREST RECEIVABLE ON LOANS TO MEMBERS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2SHARE INSURANCE DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3ANNUITY INVESTMENTS - BENEFIT PLANS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4PREPAID EXPENSES AND OTHER ASSETS
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0823001
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0196786
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01019787
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0182872219
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES & DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt016850000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt163204000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt21402723
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3192300
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt41721340
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt55760089
IRS990ScheduleD/OtherSecuritiesGrp/Desc0U.S. GOVERNMENT AGENCY BONDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CERTIFICATES OF DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CORPORATE CREDIT UNIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc3FHLB STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc4AFS
IRS990ScheduleD/OtherSecuritiesGrp/Desc5SERP LIFENOTES FUND I
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt011896184
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ITS FINANCIAL STATEMENTS AS REQUIRED UNDER FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) ACCOUNTING STANDARDS CODIFICATION, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. THE STANDARD PRESCRIBES A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE STANDARD ALSO PROVIDES GUIDANCE ON DE-RECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE AND TRANSITION ACCOUNTING. MANAGEMENT DETERMINED THERE WERE NO MATERIAL UNCERTAIN POSITIONS TAKEN BY THE CREDIT UNION IN ITS TAX RETURNS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION PROVIDES CREDIT COUNSELING TO ITS MEMBERS UPON REQUEST. THERE ARE NO AMOUNTS RELATED TO THIS SERVICE LISTED ON FORM 990, PART X.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART IV, LINE 9
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06785692
IRS990ScheduleD/TotalBookValueOtherAssetsAmt013727905
IRS990ScheduleD/TotalBookValueSecuritiesAmt089130452
IRS990ScheduleD/TotalExpensesPerForm990Amt011797793
IRS990ScheduleD/TotalLiabilityAmt0182872219
IRS990ScheduleD/TotalRevenuePerForm990Amt011896184
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt011896184
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt011797793
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0300913
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1175000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2143000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3150000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount014544
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount15976
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount24896
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount35220
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt067278
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt129868
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt224205
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt327828
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt011965
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt112187
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt228123
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt311770
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt064512
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt110393
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt27512
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt39431
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0RICHARD CAPUANO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1TONYA KEATON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2JILL GERSCHUTZ
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3KAREN ROSE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1EXECUTIVE VICE PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2SENIOR VICE PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3SVP FINANCE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0459212
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1233424
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2207736
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt3204249
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt30
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS A SERP PLAN THAT IS FULLY FUNDED BY CUO. THERE WERE NO CONTRIBUTIONS BY EMPLOYEES IN 2024. TOTAL PAYOUTS TO EMPLOYEES IN 2024 WAS $50,124.47. THE 2024 PAYOUT WAS AS FOLLOWS: R. CAPUANO: $42,738.47 T. KEATON: $ 2,462 K. ROSE: $ 2,462 J. GERSCHUTZ: $ 2,462

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