Civic Intelligence

Chaco Credit Union Inc

990 • Fiscal year 2013 • EIN 31-0935997

Jan 01, 2013 to Dec 31, 2013 • Filed on Oct 17, 2014

Organization Profilewww.chacocu.org

View Organization Page

100 S Third Street45011

(513) 785-3500

Siviq Scores

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

Liabilities / Assets

86th percentile

0.92x

Higher debt load relative to assets than 86% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Liabilities / Revenue

44th percentile

17.25x

Higher debt load relative to revenue than 44% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Net Margin

11th percentile

1.9%

Higher net margin than 11% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Top Officer Pay

36th percentile

$164,109

Higher top officer pay than 36% of similar nonprofits.

Top officer pay equals 1.8% of source-year revenue.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Asset Growth

37th percentile

1.5%

Faster asset growth than 37% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$172,613,626

Up $2,564,240 (+1.5%) from 2012

Net Assets

Down

$13,857,409

Down $30,963 (-0.2%) from 2012

Liabilities

Up

$158,756,217

Up $2,595,203 (+1.7%) from 2012

Revenue And Expenses
Liabilities / Revenue44th percentileNet Margin11th percentile

Revenue

$9,201,960

No earlier filing loaded for comparison.

Expenses

Down

$9,027,031

Down $500,445 (-5.3%) from 2012

Net Income

$174,929

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth37th percentile

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

$200M$150M$100M$50M$0Assets 2010: $149,363,311Liabilities 2010: $135,855,955Net Assets 2010: $13,507,3562010Assets 2011: $159,502,939Liabilities 2011: $145,936,050Net Assets 2011: $13,566,8892011Assets 2012: $170,049,386Liabilities 2012: $156,161,014Net Assets 2012: $13,888,3722012Assets 2013: $172,613,626Liabilities 2013: $158,756,217Net Assets 2013: $13,857,4092013Assets 2014: $173,923,091Liabilities 2014: $159,704,572Net Assets 2014: $14,218,5192014Assets 2015: $178,647,110Liabilities 2015: $164,024,914Net Assets 2015: $14,622,1962015

Highlighted filing

2013

Assets$172,613,626
Liabilities$158,756,217
Net Assets$13,857,409
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$15M$10M$5.0M$0Expenses 2010: $11,092,3522010Expenses 2011: $10,438,1702011Expenses 2012: $9,527,4762012Revenue 2013: $9,201,960Expenses 2013: $9,027,031Net Income 2013: $174,9292013Revenue 2014: $9,301,583Expenses 2014: $9,082,511Net Income 2014: $219,0722014Revenue 2015: $9,480,607Expenses 2015: $9,111,738Net Income 2015: $368,8692015

Highlighted filing

2013

Revenue$9,201,960
Expenses$9,027,031
Net Income$174,929
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Oct 17, 2014
Return Version
2013v3.0
Gross Receipts
$9,688,358
Mission and Program Overview

Mission

To efficiently provide personal financial services of a superior quality to the members/owners of this credit union - always considering their financial well being.

To provide financial services to member owners with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$119,495,441$124,641,411▲ $5,145,970
Investments Other Securities$27,519,138$28,933,960▲ $1,414,822
Rtn Earn Endowment Incm Other Fnds$13,888,372$13,857,409▼ $30,963
Investments Program Related$13,749,742$9,567,289▼ $4,182,453
Cash and Non-Interest-Bearing Accounts$2,838,206$2,728,216▼ $109,990
Land, Buildings, and Equipment, Net$2,427,918$2,681,146▲ $253,228
Savings and Temporary Cash Investments-$788,861-
Accounts Receivable$1,098,744$593,876▼ $504,868
Prepaid Expenses and Deferred Charges$232,457$178,391▼ $54,066
Receivables From Officers Etc$160,631$9,185▼ $151,446
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$170,049,386$172,613,626▲ $2,564,240
Other Assets Total$2,527,109$2,491,291▼ $35,818
Liabilities
Other Liabilities$152,539,144$155,271,584▲ $2,732,440
Mortgage Notes Payable Secured by Investment Property$3,000,000$3,000,000→ $0
Accounts Payable and Accrued Expenses$621,870$484,633▼ $137,237
Total Liabilities$156,161,014$158,756,217▲ $2,595,203
Net Assets / Fund Balance
Total Net Assets Fund Balance$13,888,372$13,857,409▼ $30,963
Total Liabilities and Net Assets / Fund Balance$170,049,386$172,613,626▲ $2,564,240

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$431,582$3,231,850$3,663,432
Buildings$958,103$2,133,686$3,091,789
Land$1,062,751-$1,062,751
Leasehold Improvements$48,238$524,070$572,308
Other Land Buildings$180,472$0$180,472
Investment Program Related Org$9,567,289--
Other Securities$6,547,764--
Compensation and Service Providers
Top Officer Pay36th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James SchultheissPresident/CEOFT$135,645$28,464$164,109
Dan DailyEvpFT$100,996$10,291$111,287
George Butch GordonCFOFT$88,930$8,550$97,480

Board Members and Trustees

NameTitle
Bob BarrettChairman
Jeff KenworthyVice Chairman
Frank SieferDirector
James LynchDirector
Paul LailDirector
Denise HerrmannRecording Secretary
Scott MartinSecretary/Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,033,364
Investment Income
$168,596
Other Revenue
$0
Change in Net Assets
$174,929

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,333,065
Revenue Not Reported on Financial Statements
$-131,105
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-131,105
Total Revenue per Audited Statements
$9,333,065
Total Revenue per Form 990
$9,201,960
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,422,992
Salaries, Compensation, and Employee Benefits$3,604,039
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,618,669
Fees for Services Other---$1,178,791
Interest---$1,060,866
Occupancy---$528,898
Office Expenses---$449,163
Current Officers, Directors, Trustees, and Key Employees---$372,876
Other Employee Benefits---$342,550
Information Technology---$285,321
Depreciation Depletion---$276,070
Payroll Taxes---$243,511
Insurance---$210,842
Advertising---$178,255
Conferences and Meetings---$63,723
Fees for Services Accounting---$61,503
Fees for Services Legal---$55,196
Other Expenses---$47,559
All Other Expenses---$35,386
Pension Plan Contributions---$26,433
Travel---$4,252
Fees for Services Management---$3,735
Total Functional Expenses$0$0$0$9,027,031

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$9,158,136
Total Expenses per Form 990$9,027,031
Expenses per Audited Statements$9,027,030
Expenses Not Reported on Form 990$131,106
Expenses Not Reported on Financial Statements$1
Other Expense Adjustments$1
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$160,631$9,185▼ $151,446
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$155,271,584
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 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 Credit Union has a single class of members with equal rights of ownership, governance and voting.”

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

“Board Members are elected by democratic vote with three seats available on a rotating basis every year for three year appointments.”

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

“Mergers and By-Law changes require membership approval.”

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

“The Form 990 is reviewed by the CFO and President/CEO prior to Filing. A copy is presented to the Board of Directors at the next scheduled meeting which is duly noted in the minutes. Should any member raise an issue, an amendment would be filed.”

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

“Annual disclosure by management coupled with internal and external audit process.”

Form 990, Part VI, Section B, Line 15

“Compensation committee uses an independent consultant to determine President/CEO compensation which is approved by the Board. Other Employees compensation is determined by an independent consultant. Reviews were performed in 2013.”

Form 990, Part VI, Section C, Line 19

“The Credit Unions monthly financial statements are posted in the lobby. Other documents are available for review upon request.”

Filing and Contact Details

Filer

EIN
31-0935997
Phone
5137853500

Signing Officer

Name
James Schultheiss
Title
President/CEO
Phone
5137853500
Signed
2014-10-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James Schultheiss
Formed
1938
Legal Domicile
Oh
Voting Board Members
9
Independent Board Members
9
Employees
88
Volunteers
9

Preparer

Preparer
Julia Lynn Rust
Phone
5862961155
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Checkcard: $605,735;ATM Processing: $ 197,088; Other Professional Services: $375,968; Total Other Fees on Form 990, Part IX, Line 11g, Column A: $1,178,791.”

Form 990, Part XI, Line 9

“Equity Acquired in Merger: $92,679”

Financial Statement Notes

Schedule D, Part XI, Line 4B

“Loss on Sale included in Revenue on 990, Expense on Financial Statements: -$131,106; rounding: $1.; Total to Schedule D, Part XI, Line 4b: $-131,105.”

Schedule D, Part XII, Line 2D

“Loss on Sale included in Revenue on 990, Expense on Financial Statements: $131,106.”

Schedule D, Part XII, Line 4B

“rounding: $1.”

Raw XML AppendixShowing 400 of 523 raw XML fields

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

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0621870
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0484633
IRS990/AccountsReceivableGrp/BOYAmt01098744
IRS990/AccountsReceivableGrp/EOYAmt0593876
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0To provide financial services to member owners with a common bond.
IRS990/AdvertisingGrp/TotalAmt0178255
IRS990/AllOtherExpensesGrp/TotalAmt035386
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine10Chaco Credit Union
IRS990/BooksInCareOfDetail/PhoneNum05137853500
IRS990/BooksInCareOfDetail/USAddress/AddressLine10100 S Third Street
IRS990/BooksInCareOfDetail/USAddress/City0Hamilton
IRS990/BooksInCareOfDetail/USAddress/State0OH
IRS990/BooksInCareOfDetail/USAddress/ZIPCode045011
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt02838206
IRS990/CashNonInterestBearingGrp/EOYAmt02728216
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0372876
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt063723
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0168596
IRS990/CYOtherExpensesAmt05422992
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt09033364
IRS990/CYRevenuesLessExpensesAmt0174929
IRS990/CYSalariesCompEmpBnftPaidAmt03604039
IRS990/CYTotalExpensesAmt09027031
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt09201960
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0276070
IRS990/Desc0Provide 24,782 Members with Regular Shares, Share Drafts, Certificates, IRA, Money Market and other Share accounts totaling 37,172.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt088
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt061503
IRS990/FeesForServicesLegalGrp/TotalAmt055196
IRS990/FeesForServicesManagementGrp/TotalAmt03735
IRS990/FeesForServicesOtherGrp/TotalAmt01178791
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt750
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt850
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt950
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt716308
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt88550
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt910291
IRS990/Form990PartVIISectionAGrp/PersonNm0Bob Barrett
IRS990/Form990PartVIISectionAGrp/PersonNm1Jeff Kenworthy
IRS990/Form990PartVIISectionAGrp/PersonNm2Scott Martin
IRS990/Form990PartVIISectionAGrp/PersonNm3Paul Lail
IRS990/Form990PartVIISectionAGrp/PersonNm4Denise Herrmann
IRS990/Form990PartVIISectionAGrp/PersonNm5Frank Siefer
IRS990/Form990PartVIISectionAGrp/PersonNm6James Lynch
IRS990/Form990PartVIISectionAGrp/PersonNm7James Schultheiss
IRS990/Form990PartVIISectionAGrp/PersonNm8George Butch Gordon
IRS990/Form990PartVIISectionAGrp/PersonNm9Dan Daily
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7147801
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt888930
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9100996
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary/Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Recording Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt9EVP
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01938
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-131104
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0355294
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt00
IRS990/GrossReceiptsAmt09688358
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0285321
IRS990/InsuranceGrp/TotalAmt0210842
IRS990/InterestGrp/TotalAmt01060866
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0299700
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0299700
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt027519138
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt028933960
IRS990/InvestmentsProgramRelatedGrp/BOYAmt013749742
IRS990/InvestmentsProgramRelatedGrp/EOYAmt09567289
IRS990/IRPDocumentCnt03299
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05889606
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02427918
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02681146
IRS990/LandBldgEquipCostOrOtherBssAmt08570752
IRS990/LegalDomicileStateCd0OH
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0486398
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0To efficiently provide personal financial services of a superior quality to the members/owners of this credit union - always considering their financial well being.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt03000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt03000000
IRS990/NetAssetsOrFundBalancesBOYAmt013888372
IRS990/NetAssetsOrFundBalancesEOYAmt013857409
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-131104
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-131104
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0-1039
IRS990/NetUnrlzdGainsLossesInvstAmt0-208307
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0528898
IRS990/OfficeExpensesGrp/TotalAmt0449163
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02527109
IRS990/OtherAssetsTotalGrp/EOYAmt02491291
IRS990/OtherChangesInNetAssetsAmt092679
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0342550
IRS990/OtherExpensesGrp/Desc0Loan Servicing
IRS990/OtherExpensesGrp/Desc1Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc2Misc Operating Expenses
IRS990/OtherExpensesGrp/Desc3Association Dues
IRS990/OtherExpensesGrp/TotalAmt0613175
IRS990/OtherExpensesGrp/TotalAmt1264073
IRS990/OtherExpensesGrp/TotalAmt2106184
IRS990/OtherExpensesGrp/TotalAmt347559
IRS990/OtherLiabilitiesGrp/BOYAmt0152539144
IRS990/OtherLiabilitiesGrp/EOYAmt0155271584
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt02618669
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0119495441
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0124641411
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0243511
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt026433
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0232457
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0178391
IRS990/PrincipalOfficerNm0James Schultheiss
IRS990/PriorPeriodAdjustmentsAmt0-90264
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest
IRS990/ProgramServiceRevenueGrp/Desc1Fee and Other Operating Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05854341
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13039220
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05854341
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13179023
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1139803
IRS990/ProgSrvcAccomActy2Grp/Desc0Provide 10,838 Mortgage, Vehicle, Real Estate, Business, Credit Card and Home Equity Loans.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt00
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt00
IRS990/ProgSrvcAccomActy3Grp/Desc0Offer ATM, Debit Cards, Courtesy Pay, Wire Transfers, Travelers Checks, Money Orders, Home Banking, Safe Deposit Boxes, Insurance programs and Financial Planning to all eligible members.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0255013
IRS990/PYOtherExpensesAmt06031815
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt09593946
IRS990/PYRevenuesLessExpensesAmt0321483
IRS990/PYSalariesCompEmpBnftPaidAmt03495661
IRS990/PYTotalExpensesAmt09527476
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt09848959
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0160631
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt09185
IRS990/ReconcilationRevenueExpnssAmt0174929
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt013888372
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt013857409
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0788861
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0958103
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02133686
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03091789
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0431582
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03231850
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03663432
IRS990ScheduleD/ExpensesNotReportedAmt0131106
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt01
IRS990ScheduleD/ExpensesSubtotalAmt09027030
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt09567289
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Corporate One
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt01062751
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01062751
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt048238
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0524070
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0572308
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt0131106
IRS990ScheduleD/OtherExpensesNotIncludedAmt01
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0180472
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0180472
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0155271584
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-131105
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt017843824
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1533986
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt21008386
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt33000000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt46547764
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Certificates of Deposit
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Investments
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CUSO Investment
IRS990ScheduleD/OtherSecuritiesGrp/Desc3Government Agencies- HTM
IRS990ScheduleD/OtherSecuritiesGrp/Desc4US Agency Securities
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4F
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-131105
IRS990ScheduleD/RevenueSubtotalAmt09333065
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Loss on Sale included in Revenue on 990, Expense on Financial Statements: -$131,106; rounding: $1.; Total to Schedule D, Part XI, Line 4b: $-131,105.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1Loss on Sale included in Revenue on 990, Expense on Financial Statements: $131,106.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2rounding: $1.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part XI, Line 4b
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Schedule D, Part XII, Line 2d
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2Schedule D, Part XII, Line 4b
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02681146
IRS990ScheduleD/TotalBookValueProgramRltdAmt09567289
IRS990ScheduleD/TotalBookValueSecuritiesAmt028933960
IRS990ScheduleD/TotalExpensesPerForm990Amt09027031
IRS990ScheduleD/TotalLiabilityAmt0155271584
IRS990ScheduleD/TotalRevenuePerForm990Amt09201960
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt09333065
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt09158136
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0135645
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount012000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt09885
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt06423
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt0156
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0James Schultheiss
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0164109
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$172,613,626
Liabilities
$158,756,217
Net assets
$13,857,409
Revenue
$9,201,960
Expenses
$9,027,031
Net income
$174,929
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$179$164$14.6$9.48$9.11$0.37
2014Detailed filing. Detailed filing data is available for this year.$174$160$14.2$9.30$9.08$0.22
2013Detailed filing. Detailed filing data is available for this year.$173$159$13.9$9.20$9.03$0.17
2012XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$170$156$13.9$9.53
2011XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$160$146$13.6$10.4
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$149$136$13.5$11.1
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $100M-$250M nonprofits