Civic Intelligence

0987 S C F E Credit Union Inc

EIN 31-1571512 • 501(c)14 • Portsmouth, OH

Profile

Provide saving and loans to our members

610 Gay St Rm 5Portsmouth, OH 45662
Siviq Scores

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

Liabilities / Assets

4th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Liabilities / Revenue

35th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Net Margin

68th percentile

8.5%

Higher net margin than 68% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Top Officer Pay

25th percentile

$14,400

Higher top officer pay than 25% of similar nonprofits.

Top officer pay equals 18.5% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Asset Growth

65th percentile

-4.1%

Faster asset growth than 65% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Revenue Growth

72nd percentile

4.9%

Faster revenue growth than 72% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets4th percentile

Assets

Down

$1,349,656

Down $57,485 (-4.1%) from 2022

Liabilities

Flat

$0

Flat from 2022

Net Assets

Down

$1,349,656

Down $57,485 (-4.1%) from 2022

Operations
Liabilities / Revenue35th percentileNet Margin68th percentile

Revenue

Up

$77,812

Up $3,606 (+4.9%) from 2022

Expenses

Up

$71,182

Up $15,039 (+27%) from 2022

Net Income

Down

$6,630

Down $11,433 (-63%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth65th percentile

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

$1.5M$1.0M$500K$0Assets 2020: $1,228,997Liabilities 2020: $1,821Net Assets 2020: $1,227,1762020Assets 2021: $1,357,359Liabilities 2021: $0Net Assets 2021: $1,357,3592021Assets 2022: $1,407,141Liabilities 2022: $0Net Assets 2022: $1,407,1412022Assets 2023: $1,349,656Liabilities 2023: $0Net Assets 2023: $1,349,6562023

Highlighted filing

2023

Assets$1,349,656
Liabilities$0
Net Assets$1,349,656
Open 2023 Filing

Operations Trend

Revenue Growth72nd percentile

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

$100K$50K$0-$50KRevenue 2020: $62,259Expenses 2020: $80,495Net Income 2020: -$18,2362020Revenue 2021: $69,709Expenses 2021: $58,118Net Income 2021: $11,5912021Revenue 2022: $74,206Expenses 2022: $56,143Net Income 2022: $18,0632022Revenue 2023: $77,812Expenses 2023: $71,182Net Income 2023: $6,6302023

Highlighted filing

2023

Revenue$77,812
Expenses$71,182
Net Income$6,630
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,349,656
Liabilities
$0
Net assets
$1,349,656
Revenue
$77,812
Expenses
$71,182
Net income
$6,630
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$1.35$0.00$1.35$0.08$0.07$0.01
2022Detailed filing. Detailed filing data is available for this year.$1.41$0.00$1.41$0.07$0.06$0.02
2021Detailed filing. Detailed filing data is available for this year.$1.36$0.00$1.36$0.07$0.06$0.01
2020Detailed filing. Detailed filing data is available for this year.$1.23$0.00$1.23$0.06$0.08$0.02
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Apr 21, 2024
Return Version
2023v5.0
Gross Receipts
$77,812
Mission and Program Overview

Mission

Provide saving and loans to our members

Provide savings and loans to our members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$996,217$910,177▼ $86,040
Savings and Temporary Cash Investments$360,688$375,412▲ $14,724
Receivables From Officers Etc$45,831$60,771▲ $14,940
Prepaid Expenses and Deferred Charges$2,332$3,296▲ $964
Loans From Officers Directors$0$0→ $0
Total Assets$1,407,141$1,349,656▼ $57,485
Other Assets Total$2,073--
Liabilities
Accounts Payable and Accrued Expenses$0$0→ $0
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Other Liabilities$0--
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,407,141$1,349,656▼ $57,485
Net Assets With Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$1,407,141$1,349,656▼ $57,485
Total Liabilities and Net Assets / Fund Balance$1,407,141$1,349,656▼ $57,485
Compensation and Service Providers
Top Officer Pay25th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Robert G RidenourTreasurerPT$14,400$14,400
Rose PelfreySecretaryPT$9,600$9,600
Sheri BaileyDirector and office ass'tPT$2,610$2,610

Board Members and Trustees

NameTitle
Danette LawhornPresident
William RidenourVice President
Debora QueenDirector
Jeffery LawhornDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$77,812
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$6,630
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$42,081
Salaries, Compensation, and Employee Benefits$29,101
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$26,610--$26,610
Office Expenses$19,350--$19,350
Interest$13,128--$13,128
Fees for Services Accounting$4,544--$4,544
Information Technology$3,018--$3,018
Payroll Taxes$2,491--$2,491
Insurance$2,041--$2,041
Total Functional Expenses$71,182$0$0$71,182
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$45,831$60,771▲ $14,940
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
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
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 2

“Our Board is made up of a Husband and Wife, also a Father and Son”

Form 990, Part VI, Section A, Line 6

“We are A Credit Union with Members”

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

“Our members vote for the Directors.”

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

“Members vote on changes to By-Laws”

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

“Electronically Tranmitted to each member of the Board”

Form 990, Part VI, Section C, Line 19

“All documents are in the office, on display or available for review”

Filing and Contact Details

Filer

Filer Name
0987 S C F E Credit Union Inc
EIN
31-1571512
Phone
7403531628
Address
610 Gay St Rm 5, Portsmouth, OH 45662

Signing Officer

Name
Robert Ridenour
Title
Treasurer
Phone
7403531628
Signed
2024-04-21

Organization Details

Principal Officer
Robert G Ridenour
Formed
1961
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
4
Employees
3
Volunteers
7
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Fewer loans this year, and members taking money out of saving.”

Raw XML Appendix359 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/TitleTxt6President
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Our Board is made up of a Husband and Wife, also a Father and Son
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1We are A Credit Union with Members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Our members vote for the Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Members vote on changes to By-Laws
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Electronically Tranmitted to each member of the Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5All documents are in the office, on display or available for review
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Fewer loans this year, and members taking money out of saving.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, Line 9
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IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01407141
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01349656
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt077812
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt077812
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt071182
IRS990/TotalProgramServiceRevenueAmt077812
IRS990/TotalReportableCompFromOrgAmt026610
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt077812
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt077812
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01407141
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01349656
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt00
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0610 Gay St
IRS990/USAddress/AddressLine2Txt0RM 5
IRS990/USAddress/CityNm0Portsmouth
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd045662
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt04
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/LastSubmissionRqrOOBCd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd011
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/ProfilePasswordChangeInd0X
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd01
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Robert Ridenour
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum07403531628
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-04-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt00987 S C F E CREDIT UNION INC
ReturnHeader/Filer/BusinessNameControlTxt00987
ReturnHeader/Filer/EIN0311571512
ReturnHeader/Filer/PhoneNum07403531628
ReturnHeader/Filer/USAddress/AddressLine1Txt0610 Gay St Rm 5
ReturnHeader/Filer/USAddress/CityNm0Portsmouth
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd045662
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02024-04-21T12:19:50-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Robert
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Ridenour
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

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