Civic Intelligence

1291 Cincinnati Employees Credit Union Inc

990 • Fiscal year 2015 • EIN 31-0965142

Jan 01, 2015 to Dec 31, 2015 • Filed on May 13, 2016

Organization ProfileWWW.CINTIECU.ORG
1003 Harrison Ave Suite 200Harrison, OH 45030

(513) 367-4495

Siviq Scores

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

Liabilities / Assets

55th percentile

0.89x

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

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

88th percentile

29.68x

Higher debt load relative to revenue than 88% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

81st percentile

15%

Higher net margin than 81% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

11th percentile

$3,261

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.4% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

14th percentile

-1.5%

Faster asset growth than 14% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

41st percentile

0.2%

Faster revenue growth than 41% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets55th percentile

Assets

Down

$26,396,078

Down $400,758 (-1.5%) from 2014

Net Assets

Up

$3,027,545

Up $119,447 (+4.1%) from 2014

Liabilities

Down

$23,368,533

Down $520,205 (-2.2%) from 2014

Revenue And Expenses
Liabilities / Revenue88th percentileNet Margin81st percentile

Revenue

Up

$787,264

Up $1,367 (+0.2%) from 2014

Expenses

Up

$667,817

Up $13,331 (+2.0%) from 2014

Net Income

Down

$119,447

Down $11,964 (-9.1%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth14th percentile

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

$40M$30M$20M$10M$0Assets 2010: $22,197,845Liabilities 2010: $19,686,251Net Assets 2010: $2,511,5942010Assets 2011: $21,991,543Liabilities 2011: $19,384,426Net Assets 2011: $2,607,1172011Assets 2012: $24,195,096Liabilities 2012: $21,506,722Net Assets 2012: $2,688,3742012Assets 2013: $25,919,077Liabilities 2013: $23,142,390Net Assets 2013: $2,776,6872013Assets 2014: $26,796,836Liabilities 2014: $23,888,738Net Assets 2014: $2,908,0982014Assets 2015: $26,396,078Liabilities 2015: $23,368,533Net Assets 2015: $3,027,5452015Assets 2016: $27,277,644Liabilities 2016: $24,110,509Net Assets 2016: $3,167,1352016Assets 2017: $27,600,072Liabilities 2017: $24,340,144Net Assets 2017: $3,259,9282017Assets 2018: $27,083,764Liabilities 2018: $23,741,702Net Assets 2018: $3,342,0622018Assets 2019: $26,408,104Liabilities 2019: $22,947,302Net Assets 2019: $3,460,8022019Assets 2020: $29,228,702Liabilities 2020: $25,744,612Net Assets 2020: $3,484,0902020Assets 2021: $31,154,803Liabilities 2021: $27,660,556Net Assets 2021: $3,494,2472021Assets 2022: $33,679,495Liabilities 2022: $30,141,037Net Assets 2022: $3,538,4582022Assets 2023: $33,180,736Liabilities 2023: $29,630,197Net Assets 2023: $3,550,5392023Assets 2024: $32,151,605Liabilities 2024: $28,575,495Net Assets 2024: $3,576,1102024

Highlighted filing

2015

Assets$26,396,078
Liabilities$23,368,533
Net Assets$3,027,545
Open 2015 Filing

Operations Trend

Revenue Growth41st percentile

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

$1.5M$1.0M$500K$0Expenses 2010: $821,0942010Expenses 2011: $766,9172011Expenses 2012: $725,9492012Revenue 2013: $768,647Expenses 2013: $680,335Net Income 2013: $88,3122013Revenue 2014: $785,897Expenses 2014: $654,486Net Income 2014: $131,4112014Revenue 2015: $787,264Expenses 2015: $667,817Net Income 2015: $119,4472015Revenue 2016: $766,524Expenses 2016: $626,934Net Income 2016: $139,5902016Revenue 2017: $789,433Expenses 2017: $696,640Net Income 2017: $92,7932017Revenue 2018: $840,218Expenses 2018: $758,084Net Income 2018: $82,1342018Revenue 2019: $848,614Expenses 2019: $729,874Net Income 2019: $118,7402019Revenue 2020: $813,159Expenses 2020: $789,870Net Income 2020: $23,2892020Revenue 2021: $782,527Expenses 2021: $772,370Net Income 2021: $10,1572021Revenue 2022: $865,874Expenses 2022: $821,663Net Income 2022: $44,2112022Revenue 2023: $989,885Expenses 2023: $977,804Net Income 2023: $12,0812023Revenue 2024: $1,152,185Expenses 2024: $1,126,614Net Income 2024: $25,5712024

Highlighted filing

2015

Revenue$787,264
Expenses$667,817
Net Income$119,447
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 13, 2016
Return Version
2015v2.1
Gross Receipts
$787,264
Mission and Program Overview

Mission

To provide quality financial services including savings and loan services, to members who qualify for our field of membership.

The credit union's mission is to provide financial services to employees, retirees and family members of cincinnati incorporated, a machine tool manufacturer located in harrison ohio.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$12,158,968$13,398,469▲ $1,239,501
Investments Other Securities$13,109,000$11,482,000▼ $1,627,000
Rtn Earn Endowment Incm Other Fnds$2,908,098$3,027,545▲ $119,447
Savings and Temporary Cash Investments$660,152$559,428▼ $100,724
Cash and Non-Interest-Bearing Accounts$359,851$503,518▲ $143,667
Investments Program Related$416,092$423,354▲ $7,262
Accounts Receivable$47,758$42,843▼ $4,915
Land, Buildings, and Equipment, Net$30,712$16,978▼ $13,734
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments in Publicly Traded Securities-$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
Prepaid Expenses and Deferred Charges$14,303$-30,512▼ $44,815
Total Assets$26,796,836$26,396,078▼ $400,758
Other Assets Total$0$0→ $0
Liabilities
Other Liabilities$23,876,745$23,335,534▼ $541,211
Accounts Payable and Accrued Expenses$11,993$32,999▲ $21,006
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$23,888,738$23,368,533▼ $520,205
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,908,098$3,027,545▲ $119,447
Total Liabilities and Net Assets / Fund Balance$26,796,836$26,396,078▼ $400,758

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$16,978$72,153$0
Leasehold Improvements$0$0$0
Other Securities$11,482,000--
Closely Held Equity Interests$0--
Financial Derivatives$0--
Compensation and Service Providers
Top Officer Pay11th percentile

Employees

NameTitleBaseTotal
Raymond a BurkeTreasurer$3,261$3,261

Board Members and Trustees

NameTitle
Mike GabrelskiPresident
Bill LaneBoard Member
Chris ConradBoard Member
Linda LitzlerBoard Member
Thomas BrackettBoard Member
Doug DistlerSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$554,638
Investment Income
$232,626
Other Revenue
$0
Change in Net Assets
$119,447
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$300,503
Other Expenses$203,635
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$214,831
Benefits to Members---$163,679
Other Employee Benefits---$64,964
Information Technology---$46,544
Fees for Services Accounting---$38,564
Occupancy---$27,305
Office Expenses---$26,714
Payroll Taxes---$17,447
Insurance---$15,098
Depreciation Depletion---$13,734
Fees for Services Legal---$8,723
Advertising---$8,650
Other Expenses---$8,000
Payments to Affiliates---$5,288
Conferences and Meetings---$3,355
Current Officers, Directors, Trustees, and Key Employees---$3,261
Travel---$1,200
Interest---$460
Total Functional Expenses$0$0$0$667,817
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
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members savings and certificate accounts$23,335,534
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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 1551 members”

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

“The Credit Union membership has the authority to elect the Board of Directors. The positions are three year terms elected on a rotating basis. Candidates are elected by a simple ballot count. The Board has the authority to appoint supervisory committee and committee members.”

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

“Any changes to the bylaws of the Credit Union must be approved by the membership as well as the Regulatory Agencies.”

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

“Copy was presented to the Board of Directors at the regular meeting in May.”

Form 990, Part VI, Section C, Line 19

“Financial documents for the Credit Union are available on the NCUA website, the Credit Union's website, and by request at the offices of the Credit Union”

Filing and Contact Details

Filer

Filer Name
Cincinnati Employees Credit Union Inc
EIN
31-0965142
Phone
5133674495
Address
1003 HARRISON AVE SUITE 200, HARRISON, OH 45030

Signing Officer

Name
Deb Ahaus
Title
Manager
Phone
5133674495
Signed
2016-05-13

Organization Details

Principal Officer
Raymond A Burke
Formed
1979
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
7
Employees
7
Volunteers
15
Raw XML AppendixShowing 400 of 421 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/BOYAmt011993
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt032999
IRS990/AccountsReceivableGrp/BOYAmt047758
IRS990/AccountsReceivableGrp/EOYAmt042843
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THE CREDIT UNION'S MISSION IS TO PROVIDE FINANCIAL SERVICES TO EMPLOYEES, RETIREES AND FAMILY MEMBERS OF CINCINNATI INCORPORATED, A MACHINE TOOL MANUFACTURER LOCATED IN HARRISON OHIO.
IRS990/AdvertisingGrp/TotalAmt08650
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt0163679
IRS990/BooksInCareOfDetail/PersonNm0DEB AHAUS
IRS990/BooksInCareOfDetail/PhoneNum05133674495
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01003 Harrison Ave
IRS990/BooksInCareOfDetail/USAddress/AddressLine2Txt0Suite 200
IRS990/BooksInCareOfDetail/USAddress/CityNm0HARRISON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0OH
IRS990/BooksInCareOfDetail/USAddress/ZIPCd045030
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0359851
IRS990/CashNonInterestBearingGrp/EOYAmt0503518
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt03261
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt03355
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt0163679
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0232626
IRS990/CYOtherExpensesAmt0203635
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0554638
IRS990/CYRevenuesLessExpensesAmt0119447
IRS990/CYSalariesCompEmpBnftPaidAmt0300503
IRS990/CYTotalExpensesAmt0667817
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0787264
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt013734
IRS990/Desc0Dividends paid to members on approximately 1500 accounts.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt07
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/ExpenseAmt0163679
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt038564
IRS990/FeesForServicesLegalGrp/TotalAmt08723
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt05
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.50
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/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0MIKE GABRELSKI
IRS990/Form990PartVIISectionAGrp/PersonNm1BILL LANE
IRS990/Form990PartVIISectionAGrp/PersonNm2LINDA LITZLER
IRS990/Form990PartVIISectionAGrp/PersonNm3DOUG DISTLER
IRS990/Form990PartVIISectionAGrp/PersonNm4CHRIS CONRAD
IRS990/Form990PartVIISectionAGrp/PersonNm5THOMAS BRACKETT
IRS990/Form990PartVIISectionAGrp/PersonNm6RAYMOND A BURKE
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt63261
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6TREASURER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01979
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0787264
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt046544
IRS990/InsuranceGrp/TotalAmt015098
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0460
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0232626
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0232626
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt013109000
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt011482000
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0416092
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0423354
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt01704
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt072153
IRS990/LandBldgEquipBasisNetGrp/BOYAmt030712
IRS990/LandBldgEquipBasisNetGrp/EOYAmt016978
IRS990/LandBldgEquipCostOrOtherBssAmt089131
IRS990/LegalDomicileStateCd0OH
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE QUALITY FINANCIAL SERVICES INCLUDING SAVINGS AND LOAN SERVICES, TO MEMBERS WHO QUALIFY FOR OUR FIELD OF MEMBERSHIP.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt02908098
IRS990/NetAssetsOrFundBalancesEOYAmt03027545
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt027305
IRS990/OfficeExpensesGrp/TotalAmt026714
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt00
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt064964
IRS990/OtherExpensesGrp/Desc0Loan Loss Expenses
IRS990/OtherExpensesGrp/TotalAmt08000
IRS990/OtherLiabilitiesGrp/BOYAmt023876745
IRS990/OtherLiabilitiesGrp/EOYAmt023335534
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0214831
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt012158968
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt013398469
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt05288
IRS990/PayrollTaxesGrp/TotalAmt017447
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt014303
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0-30512
IRS990/PrincipalOfficerNm0Raymond A Burke
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Other Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0514798
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt139840
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0514798
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt139840
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0Compensation of staff. This includes "compensation of directors" and "other salaries".
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0218092
IRS990/ProgSrvcAccomActy3Grp/Desc0Staff benefits, including Social Security Taxes, Unemployment Taxes and Retirement.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt082411
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0166506
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0252166
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0244008
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0533731
IRS990/PYRevenuesLessExpensesAmt0131411
IRS990/PYSalariesCompEmpBnftPaidAmt0243972
IRS990/PYTotalExpensesAmt0654486
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0785897
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0119447
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02908098
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03027545
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0660152
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0559428
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt016978
IRS990ScheduleD/EquipmentGrp/DepreciationAmt072153
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt089131
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt023335534
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Members savings and certificate accounts
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt011482000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Certificates of Deposit
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt016978
IRS990ScheduleD/TotalBookValueSecuritiesAmt011482000
IRS990ScheduleD/TotalLiabilityAmt023335534
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Credit Union has 1551 members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Credit Union membership has the authority to elect the Board of Directors. The positions are three year terms elected on a rotating basis. Candidates are elected by a simple ballot count. The Board has the authority to appoint supervisory committee and committee members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Any changes to the bylaws of the Credit Union must be approved by the membership as well as the Regulatory Agencies.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Copy was presented to the Board of Directors at the regular meeting in May.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Financial documents for the Credit Union are available on the NCUA website, the Credit Union's website, and by request at the offices of the Credit Union
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 C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt026796836
IRS990/TotalAssetsEOYAmt026396078
IRS990/TotalAssetsGrp/BOYAmt026796836
IRS990/TotalAssetsGrp/EOYAmt026396078
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0667817
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt023888738
IRS990/TotalLiabilitiesEOYAmt023368533
IRS990/TotalLiabilitiesGrp/BOYAmt023888738
IRS990/TotalLiabilitiesGrp/EOYAmt023368533
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02908098
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03027545
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0464182
IRS990/TotalProgramServiceRevenueAmt0554638
IRS990/TotalReportableCompFromOrgAmt03261
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0787264
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0787264
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt015
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt026796836
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt026396078
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt01200
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt00
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0125 Whippoorwill Dr
IRS990/USAddress/CityNm0Harrison
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd045030
IRS990/VotingMembersGoverningBodyCnt07

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$26,396,078
Liabilities
$23,368,533
Net assets
$3,027,545
Revenue
$787,264
Expenses
$667,817
Net income
$119,447
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$32.2$28.6$3.58$1.15$1.13$0.03
2023Detailed filing. Detailed filing data is available for this year.$33.2$29.6$3.55$0.99$0.98$0.01
2022Detailed filing. Detailed filing data is available for this year.$33.7$30.1$3.54$0.87$0.82$0.04
2021Detailed filing. Detailed filing data is available for this year.$31.2$27.7$3.49$0.78$0.77$0.01
2020Detailed filing. Detailed filing data is available for this year.$29.2$25.7$3.48$0.81$0.79$0.02
2019Detailed filing. Detailed filing data is available for this year.$26.4$22.9$3.46$0.85$0.73$0.12
2018Detailed filing. Detailed filing data is available for this year.$27.1$23.7$3.34$0.84$0.76$0.08
2017Detailed filing. Detailed filing data is available for this year.$27.6$24.3$3.26$0.79$0.70$0.09
2016Detailed filing. Detailed filing data is available for this year.$27.3$24.1$3.17$0.77$0.63$0.14
2015Detailed filing. Detailed filing data is available for this year.$26.4$23.4$3.03$0.79$0.67$0.12
2014Detailed filing. Detailed filing data is available for this year.$26.8$23.9$2.91$0.79$0.65$0.13
2013Detailed filing. Detailed filing data is available for this year.$25.9$23.1$2.78$0.77$0.68$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.2$21.5$2.69$0.73
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.0$19.4$2.61$0.77
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.2$19.7$2.51$0.82