Civic Intelligence

1143 Southeastern Ohio

990 • Fiscal year 2020 • EIN 31-0789098

Jan 01, 2020 to Dec 31, 2020 • Filed on Oct 26, 2021

115 Market StreetCambridge, OH 43725

(740) 432-0430

Siviq Scores

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

Liabilities / Assets

48th percentile

0.88x

Higher debt load relative to assets than 48% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Liabilities / Revenue

16th percentile

15.87x

Higher debt load relative to revenue than 16% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Net Margin

79th percentile

17%

Higher net margin than 79% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Top Officer Pay

28th percentile

$85,093

Higher top officer pay than 28% of similar nonprofits.

Top officer pay equals 4.2% of source-year revenue.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2020

Asset Growth

47th percentile

14%

Faster asset growth than 47% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2019 to 2020

Revenue Growth

76th percentile

-1.3%

Faster revenue growth than 76% of similar nonprofits.

2020 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2019 to 2020

Assets

Up

$36,481,087

Up $4,499,570 (+14%) from 2019

Net Assets

Up

$4,534,137

Up $392,250 (+9.5%) from 2019

Liabilities

Up

$31,946,950

Up $4,107,320 (+15%) from 2019

Revenue

Down

$2,012,934

Down $26,041 (-1.3%) from 2019

Expenses

Up

$1,667,685

Up $191,838 (+13%) from 2019

Net Income

Down

$345,249

Down $217,879 (-39%) from 2019

Historical Trend

Balance Sheet Trend

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

$60M$40M$20M$0Assets 2010: $17,633,856Liabilities 2010: $15,517,618Net Assets 2010: $2,116,2382010Assets 2011: $20,224,740Liabilities 2011: $18,077,627Net Assets 2011: $2,147,1132011Assets 2012: $24,600,713Liabilities 2012: $22,403,153Net Assets 2012: $2,197,5602012Assets 2013: $24,372,982Liabilities 2013: $22,035,559Net Assets 2013: $2,337,4232013Assets 2014: $25,067,476Liabilities 2014: $22,371,292Net Assets 2014: $2,696,1842014Assets 2015: $26,187,449Liabilities 2015: $23,153,675Net Assets 2015: $3,033,7742015Assets 2016: $25,982,159Liabilities 2016: $22,745,202Net Assets 2016: $3,236,9572016Assets 2017: $27,242,838Liabilities 2017: $23,822,476Net Assets 2017: $3,420,3622017Assets 2018: $29,715,384Liabilities 2018: $26,136,625Net Assets 2018: $3,578,7592018Assets 2019: $31,981,517Liabilities 2019: $27,839,630Net Assets 2019: $4,141,8872019Assets 2020: $36,481,087Liabilities 2020: $31,946,950Net Assets 2020: $4,534,1372020Assets 2021: $39,970,017Liabilities 2021: $34,743,535Net Assets 2021: $5,226,4822021Assets 2022: $43,921,539Liabilities 2022: $37,995,058Net Assets 2022: $5,926,4812022Assets 2023: $50,145,508Liabilities 2023: $43,731,157Net Assets 2023: $6,414,3512023Assets 2024: $57,366,372Liabilities 2024: $50,425,782Net Assets 2024: $6,940,5902024

Highlighted filing

2020

Assets$36,481,087
Liabilities$31,946,950
Net Assets$4,534,137

Operations Trend

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $940,9212010Expenses 2011: $956,1672011Expenses 2012: $945,8952012Revenue 2013: $1,074,422Expenses 2013: $934,559Net Income 2013: $139,8632013Revenue 2014: $1,322,269Expenses 2014: $963,508Net Income 2014: $358,7612014Revenue 2015: $1,500,375Expenses 2015: $1,162,785Net Income 2015: $337,5902015Revenue 2016: $1,586,307Expenses 2016: $1,383,124Net Income 2016: $203,1832016Revenue 2017: $1,714,568Expenses 2017: $1,531,163Net Income 2017: $183,4052017Revenue 2018: $1,827,972Expenses 2018: $1,663,194Net Income 2018: $164,7782018Revenue 2019: $2,038,975Expenses 2019: $1,475,847Net Income 2019: $563,1282019Revenue 2020: $2,012,934Expenses 2020: $1,667,685Net Income 2020: $345,2492020Revenue 2021: $1,948,889Expenses 2021: $1,256,544Net Income 2021: $692,3452021Revenue 2022: $2,180,031Expenses 2022: $1,477,033Net Income 2022: $702,9982022Revenue 2023: $2,743,645Expenses 2023: $2,254,781Net Income 2023: $488,8642023Revenue 2024: $3,497,280Expenses 2024: $2,808,636Net Income 2024: $688,6442024

Highlighted filing

2020

Revenue$2,012,934
Expenses$1,667,685
Net Income$345,249
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Oct 26, 2021
Return Version
2020v4.1
Gross Receipts
$2,012,934
Mission and Program Overview

Mission

To provide high quality financial services to members.

To provide high quality financial services to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$22,041,512$22,517,856▲ $476,344
Investments Other Securities$6,817,488$8,395,488▲ $1,578,000
Rtn Earn Endowment Incm Other Fnds$4,141,887$4,534,137▲ $392,250
Savings and Temporary Cash Investments$815,441$2,934,091▲ $2,118,650
Cash and Non-Interest-Bearing Accounts$632,558$874,730▲ $242,172
Land, Buildings, and Equipment, Net$841,852$804,501▼ $37,351
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$31,981,517$36,481,087▲ $4,499,570
Other Assets Total$832,666$954,421▲ $121,755
Liabilities
Other Liabilities$27,397,352$31,431,920▲ $4,034,568
Accounts Payable and Accrued Expenses$442,278$515,030▲ $72,752
Total Liabilities$27,839,630$31,946,950▲ $4,107,320
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,141,887$4,534,137▲ $392,250
Total Liabilities and Net Assets / Fund Balance$31,981,517$36,481,087▲ $4,499,570

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$482,345$136,141$618,486
Equipment$87,156$224,368$311,524
Land$235,000-$235,000
Other Securities$144,488--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cathy ClineCEO/treasurer-$81,820$3,273$85,093
Marsha Y LeasureCEO/treasurerFT$25,000-$25,000

Board Members and Trustees

NameTitle
Olivia EdwardsPresident
Tammy ClarkVice President
Andrew EddyDirector
David PetersDirector
James VaughanDirector
Shari SiddleDirector
Stacey TharpDirector
Sharon WardSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,844,394
Investment Income
$168,540
Other Revenue
$0
Change in Net Assets
$345,249
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$866,560
Salaries, Compensation, and Employee Benefits$801,125
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$690,992
Fees for Services Other---$239,708
Office Expenses---$143,820
Current Officers, Directors, Trustees, and Key Employees---$110,133
Interest---$59,200
Occupancy---$48,589
Advertising---$29,131
Other Expenses---$8,091
All Other Expenses---$6,051
Conferences and Meetings---$495
Total Functional Expenses$0$0$0$1,667,685
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$31,431,920
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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

The organization has members.

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

The board of directors is elected by the members.

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

Certain transactions and changes to the code of regulations are subject to member approval.

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

The form 990 is reviewed by management prior to filing with the irs.

Form 990, Part VI, Section B, Line 15

The ceo's compensation is reviewed and approved by the board of directors annually using third party comparable data. The compensation for other employees is reviewed and approved annually by the ceo and the board of directors using third party comparable data.

Form 990, Part VI, Section C, Line 19

The financial statements are posted in the credit union lobby and distributed to the board of directors annually. Other governing documents and conflict of interest policy are available upon request.

Filing and Contact Details

Filer

Filer Name
1143 Southeastern Ohio
EIN
31-0789098
Phone
7404320430
Address
115 MARKET STREET, CAMBRIDGE, OH 43725

Signing Officer

Name
Cathy Cline
Title
CEO/treasurer
Phone
7404320430
Signed
2021-10-26

Organization Details

Principal Officer
Cathy Cline
Formed
1967
Legal Domicile
Oh
Voting Board Members
9
Independent Board Members
8
Employees
14
Volunteers
14

Preparer

Firm
Gbq Partners LLC
Address
4030 SMITH ROAD SUITE 400, CINCINNATI, OH 45209
Preparer
Greg Heimkreiter
Phone
5138713033
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

Professional services 239,708.

FORM 990, PART XI, LINE 9:

Other adjustments 47,001.

Raw XML Appendix373 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/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
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IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0482345
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0136141
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0618486
IRS990ScheduleD/EquipmentGrp/BookValueAmt087156
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0224368
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0311524
IRS990ScheduleD/LandGrp/BookValueAmt0235000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0235000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt031431920
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES & DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt08251000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1144488
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CORPORATE CREDIT UNION INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0804501
IRS990ScheduleD/TotalBookValueSecuritiesAmt08395488
IRS990ScheduleD/TotalLiabilityAmt031431920
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN TRANSACTIONS AND CHANGES TO THE CODE OF REGULATIONS ARE SUBJECT TO MEMBER APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS REVIEWED BY MANAGEMENT PRIOR TO FILING WITH THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CEO'S COMPENSATION IS REVIEWED AND APPROVED BY THE BOARD OF DIRECTORS ANNUALLY USING THIRD PARTY COMPARABLE DATA. THE COMPENSATION FOR OTHER EMPLOYEES IS REVIEWED AND APPROVED ANNUALLY BY THE CEO AND THE BOARD OF DIRECTORS USING THIRD PARTY COMPARABLE DATA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY AND DISTRIBUTED TO THE BOARD OF DIRECTORS ANNUALLY. OTHER GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6PROFESSIONAL SERVICES 239,708.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7OTHER ADJUSTMENTS 47,001.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt031981517
IRS990/TotalAssetsEOYAmt036481087
IRS990/TotalAssetsGrp/BOYAmt031981517
IRS990/TotalAssetsGrp/EOYAmt036481087
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt014
IRS990/TotalFunctionalExpensesGrp/TotalAmt01667685
IRS990/TotalGrossUBIAmt028138
IRS990/TotalLiabilitiesBOYAmt027839630
IRS990/TotalLiabilitiesEOYAmt031946950
IRS990/TotalLiabilitiesGrp/BOYAmt027839630
IRS990/TotalLiabilitiesGrp/EOYAmt031946950
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04141887
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04534137
IRS990/TotalOtherCompensationAmt03273
IRS990/TotalProgramServiceRevenueAmt01844394
IRS990/TotalReportableCompFromOrgAmt0106820
IRS990/TotalRevenueGrp/ExclusionAmt0168540
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01816256
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02012934
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt028138
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt031981517
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt036481087
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0115 MARKET STREET
IRS990/USAddress/CityNm0CAMBRIDGE
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd043725
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.SOUTHEASTERNOHIOCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0CATHY CLINE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO/TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07404320430
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-10-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt01143 SOUTHEASTERN OHIO
ReturnHeader/Filer/BusinessNameControlTxt01143
ReturnHeader/Filer/EIN0310789098
ReturnHeader/Filer/PhoneNum07404320430
ReturnHeader/Filer/USAddress/AddressLine1Txt0115 MARKET STREET
ReturnHeader/Filer/USAddress/CityNm0CAMBRIDGE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd043725
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202122306
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GBQ PARTNERS LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt04030 SMITH ROAD SUITE 400
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CINCINNATI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd045209
ReturnHeader/PreparerPersonGrp/PhoneNum05138713033
ReturnHeader/PreparerPersonGrp/PreparationDt02021-10-26
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GREG HEIMKREITER
ReturnHeader/ReturnTs02021-11-09T08:01:41-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0CATHY
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0CLINE
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.4$50.4$6.94$3.50$2.81$0.69
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$50.1$43.7$6.41$2.74$2.25$0.49
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.9$38.0$5.93$2.18$1.48$0.70
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$40.0$34.7$5.23$1.95$1.26$0.69
2020Detailed filing. Detailed filing data is available for this year.$36.5$31.9$4.53$2.01$1.67$0.35
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$32.0$27.8$4.14$2.04$1.48$0.56
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.7$26.1$3.58$1.83$1.66$0.16
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.2$23.8$3.42$1.71$1.53$0.18
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.0$22.7$3.24$1.59$1.38$0.20
2015Detailed filing. Detailed filing data is available for this year.$26.2$23.2$3.03$1.50$1.16$0.34
2014Detailed filing. Detailed filing data is available for this year.$25.1$22.4$2.70$1.32$0.96$0.36
2013Detailed filing. Detailed filing data is available for this year.$24.4$22.0$2.34$1.07$0.93$0.14
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.6$22.4$2.20$0.95
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.2$18.1$2.15$0.96
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.6$15.5$2.12$0.94