Civic Intelligence

Education First Credit Union Inc

990 • Fiscal year 2016 • EIN 31-4379753

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 02, 2017

Organization ProfileWWW.EDUCU.ORG

View Organization Page

501 W Schrock RoadWesterville, OH 43081

(614) 221-9376

Siviq Scores

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

Liabilities / Assets

94th percentile

0.92x

Higher debt load relative to assets than 94% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

23rd percentile

14.70x

Higher debt load relative to revenue than 23% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Net Margin

28th percentile

3.3%

Higher net margin than 28% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

66th percentile

$154,851

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 2.6% of source-year revenue.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Asset Growth

18th percentile

0.3%

Faster asset growth than 18% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

75th percentile

8.3%

Faster revenue growth than 75% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets94th percentile

Assets

Up

$94,744,941

Up $252,169 (+0.3%) from 2015

Net Assets

Up

$7,290,064

Up $659,211 (+9.9%) from 2015

Liabilities

Down

$87,454,877

Down $407,042 (-0.5%) from 2015

Revenue And Expenses
Liabilities / Revenue23rd percentileNet Margin28th percentile

Revenue

Up

$5,950,614

Up $456,564 (+8.3%) from 2015

Expenses

Up

$5,753,752

Up $291,605 (+5.3%) from 2015

Net Income

Up

$196,862

Up $164,959 (+517%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth18th percentile

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

$150M$100M$50M$0Assets 2010: $84,739,257Liabilities 2010: $74,691,388Net Assets 2010: $10,047,8692010Assets 2011: $86,058,909Liabilities 2011: $76,955,692Net Assets 2011: $9,103,2172011Assets 2012: $87,906,796Liabilities 2012: $79,660,403Net Assets 2012: $8,246,3932012Assets 2013: $86,422,157Liabilities 2013: $78,079,556Net Assets 2013: $8,342,6012013Assets 2014: $85,949,062Liabilities 2014: $78,897,019Net Assets 2014: $7,052,0432014Assets 2015: $94,492,772Liabilities 2015: $87,861,919Net Assets 2015: $6,630,8532015Assets 2016: $94,744,941Liabilities 2016: $87,454,877Net Assets 2016: $7,290,0642016Assets 2017: $100,347,279Liabilities 2017: $92,464,073Net Assets 2017: $7,883,2062017Assets 2018: $109,171,552Liabilities 2018: $100,485,792Net Assets 2018: $8,685,7602018Assets 2019: $112,373,367Liabilities 2019: $102,621,040Net Assets 2019: $9,752,3272019Assets 2020: $132,948,726Liabilities 2020: $122,050,113Net Assets 2020: $10,898,6132020Assets 2021: $140,644,680Liabilities 2021: $128,384,420Net Assets 2021: $12,260,2602021Assets 2022: $146,057,594Liabilities 2022: $133,279,956Net Assets 2022: $12,777,6382022Assets 2023: $136,928,093Liabilities 2023: $124,038,512Net Assets 2023: $12,889,5812023Assets 2024: $144,633,777Liabilities 2024: $130,965,174Net Assets 2024: $13,668,6032024

Highlighted filing

2016

Assets$94,744,941
Liabilities$87,454,877
Net Assets$7,290,064
Open 2016 Filing

Operations Trend

Revenue Growth75th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $6,021,9312010Expenses 2011: $5,986,1842011Expenses 2012: $6,399,7932012Revenue 2013: $5,830,631Expenses 2013: $6,243,065Net Income 2013: -$412,4342013Revenue 2014: $5,478,805Expenses 2014: $6,370,290Net Income 2014: -$891,4852014Revenue 2015: $5,494,050Expenses 2015: $5,462,147Net Income 2015: $31,9032015Revenue 2016: $5,950,614Expenses 2016: $5,753,752Net Income 2016: $196,8622016Revenue 2017: $6,886,659Expenses 2017: $6,393,262Net Income 2017: $493,3972017Revenue 2018: $7,759,493Expenses 2018: $7,282,976Net Income 2018: $476,5172018Revenue 2019: $8,701,033Expenses 2019: $7,487,781Net Income 2019: $1,213,2522019Revenue 2020: $8,214,189Expenses 2020: $7,348,998Net Income 2020: $865,1912020Revenue 2021: $7,698,435Expenses 2021: $7,062,616Net Income 2021: $635,8192021Revenue 2022: $7,953,641Expenses 2022: $7,426,406Net Income 2022: $527,2352022Revenue 2023: $9,028,852Expenses 2023: $8,841,417Net Income 2023: $187,4352023Revenue 2024: $10,065,417Expenses 2024: $9,691,550Net Income 2024: $373,8672024

Highlighted filing

2016

Revenue$5,950,614
Expenses$5,753,752
Net Income$196,862
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 2, 2017
Return Version
2016v3.0
Gross Receipts
$5,950,614
Mission and Program Overview

Mission

Provide low cost loans to select membership groups, as well as provide savings options, financial literacy and other financial services and products with a service based emphasis that recognizes members as owners.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$64,751,823$60,611,238▼ $4,140,585
Savings and Temporary Cash Investments$10,156,285$12,353,477▲ $2,197,192
Rtn Earn Endowment Incm Other Fnds$6,630,853$7,290,064▲ $659,211
Land, Buildings, and Equipment, Net$2,030,677$2,083,895▲ $53,218
Cash and Non-Interest-Bearing Accounts$611,432$940,015▲ $328,583
Prepaid Expenses and Deferred Charges$744,552$922,438▲ $177,886
Accounts Receivable$191,055$545,198▲ $354,143
Total Assets$94,492,772$94,744,941▲ $252,169
Other Assets Total$16,006,948$17,288,680▲ $1,281,732
Liabilities
Other Liabilities$81,610,916$86,902,692▲ $5,291,776
Accounts Payable and Accrued Expenses$6,246,003$547,185▼ $5,698,818
Grants Payable$5,000$5,000→ $0
Total Liabilities$87,861,919$87,454,877▼ $407,042
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,630,853$7,290,064▲ $659,211
Total Liabilities and Net Assets / Fund Balance$94,492,772$94,744,941▲ $252,169

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$533,428$3,281,361$3,814,789
Buildings$868,863$838,274$1,707,137
Leasehold Improvements$317,824$478,440$796,264
Land$363,780-$363,780
Other Assets Org$435,530--
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael WettrichPresident/ceFT$154,851-$154,851
Michael WettrichPresident/CEO-$129,877$24,974$154,851
Deb OlbrysCbdoFT$90,324$10,559$100,883
Jerry HawkinsCOOFT$79,822$9,204$89,026
Jared ElsassCFOFT$84,283$92$84,375

Board Members and Trustees

NameTitle
Robert SecrestChairperson
Barbara OverholserVice Chairpe
Henry Bland IiiDirector
Irma TurnerDirector
Julie DidlickDirector
Ezetta MurraySecretary
Geno MoroTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,676,244
Investment Income
$271,096
Other Revenue
$3,274
Change in Net Assets
$196,862

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,950,614
Total Revenue per Audited Statements
$5,950,614
Total Revenue per Form 990
$5,950,614
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,196,964
Salaries, Compensation, and Employee Benefits$2,313,718
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,468,661
Depreciation Depletion---$555,344
Current Officers, Directors, Trustees, and Key Employees---$409,280
Fees for Services Other---$391,412
Occupancy---$335,140
All Other Expenses---$316,763
Benefits to Members---$243,070
Other Employee Benefits---$242,517
Office Expenses---$233,960
Advertising---$188,538
Payroll Taxes---$148,187
Other Expenses---$69,245
Pension Plan Contributions---$45,073
Fees for Services Accounting---$42,086
Insurance---$36,322
Interest---$22,736
Fees for Services Legal---$16,857
Total Functional Expenses$0$0$0$5,753,752

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$6,216,101
Expenses per Audited Statements$5,753,752
Total Expenses per Form 990$5,753,752
Expenses Not Reported on Form 990$462,349
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
Member Shares$86,902,692
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, Page 6, Part VI, Line 6

“The credit union is comprised of a single class of approximately 13,921 member-owners, each of which has equal rights in ownership, governance, and voting rights at the annual meetings, with the exception of the member- owners who are elected to the board of directors.”

Form 990, Page 6, Part VI, Line 7A

“The member-owners of the credit union have the authority to elect the members of the board of directors for 3 year terms on a rotating basis. Candidates are elected by a simple plurality vote.”

Form 990, Page 6, Part VI, Line 7B

“Certain decisions can only be decided by a majority of the membership.”

Form 990, Page 6, Part VI, Line 10B

“All branches operate under the same policies and procedures.”

Form 990, Page 6, Part VI, Line 11B

“The form 990 is prepared by the external accountant based on the financial statements and information provided by the credit union. The return is then reviewed by the cfo and president/ceo prior to submission.”

Form 990, Page 6, Part VI, Line 12C

“Board members, officers and employees annually sign a statement which affirms that such person has received a copy of the policy, has read and understands the policy, and has agreed to comply with the policy.”

Form 990, Page 6, Part VI, Line 15A

“An independent compensation review is completed and used by the board of directors to set the compensation package for the president/ceo. The compensation review is also used by the president/ceo when reviewing compensation levels for all other employees.”

Form 990, Page 6, Part VI, Line 15B

“An independent compensation review is completed and used by the board of directors to set the compensation package for the president/ceo. The compensation review is also used by the president/ceo when reviewing compensation levels for all other employees.”

Form 990, Page 6, Part VI, Line 19

“Statements are available upon request, and current and preceding months are posted in the lobby of the 399 e livingston ave, columbus, ohio branch.”

Filing and Contact Details

Filer

Filer Name
Education First Credit Union Inc
EIN
31-4379753
Phone
6142219376
Address
501 W SCHROCK ROAD, WESTERVILLE, OH 43081

Signing Officer

Name
Michael Wettrich
Title
President/CEO
Phone
6142219376
Signed
2017-11-02

Organization Details

Principal Officer
Michael Wettrich
Formed
1936
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
7
Employees
54
Volunteers
7

Preparer

Firm
Weston & Company Cpas LLC
Address
180-A COMMERCE PARK DR, WESTERVILLE, OH 43082-6067
Preparer
Andrew Mathias CPA
Phone
6148906620
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Defined benefit plan transition 462,349”

Financial Statement Notes

Schedule D, Page 4, Part XII, Line 2D

“Change in unrecognized pension costs 462,349”

Raw XML AppendixShowing 400 of 422 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/OtherExpensesGrp/Desc0ATM & PLASTIC CARD EXPENS
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2POLICE OFFICERS
IRS990/OtherExpensesGrp/Desc3SHARE DRAFT & BRANCH EXP
IRS990/OtherExpensesGrp/TotalAmt0539196
IRS990/OtherExpensesGrp/TotalAmt1378148
IRS990/OtherExpensesGrp/TotalAmt271217
IRS990/OtherExpensesGrp/TotalAmt369245
IRS990/OtherLiabilitiesGrp/BOYAmt081610916
IRS990/OtherLiabilitiesGrp/EOYAmt086902692
IRS990/OtherOrganizationDsc0CREDIT UNION
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IRS990/OtherRevenueMiscGrp/Desc0GAIN ON SALE OF ASSETS
IRS990/OtherRevenueMiscGrp/Desc1ANNUAL MEETING INCOME
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02314
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1960
IRS990/OtherRevenueTotalAmt03274
IRS990/OtherSalariesAndWagesGrp/TotalAmt01468661
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt060611238
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0148187
IRS990/PensionPlanContributionsGrp/TotalAmt045073
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IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0744552
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0922438
IRS990/PrincipalOfficerNm0MICHAEL WETTRICH
IRS990/ProfessionalFundraisingInd0false
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IRS990/ProgramServiceRevenueGrp/Desc0CONSUMER LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEES ASSOCIATED WITH ACCOUNTS
IRS990/ProgramServiceRevenueGrp/Desc2VISA PROGRAM INCOME
IRS990/ProgramServiceRevenueGrp/Desc3OTHER
IRS990/ProgramServiceRevenueGrp/Desc4PARTICIPATION INTEREST
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02404623
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11334989
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2688834
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3684668
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4290193
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02404623
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11334989
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2688834
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3684668
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4290193
IRS990/ProgSrvcAccomActy2Grp/Desc0DURING 2016, EDUCATION FIRST CREDIT UNION INCURRED DIRECT LABOR COSTS AND EMPLOYEE BENEFIT COSTS BY PROVIDING SAVINGS DEPOSIT SERVICES, ORIGINATING NEW LOANS AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS.
IRS990/ProgSrvcAccomActy3Grp/Desc0DURING 2016, EDUCATION FIRST CREDIT UNION INCURRED OPERATIONS EXPENSES PROVIDING FINANCIAL SERVICES TO MEMBERS SUCH AS ATM ACCESS, SHARED BRANCHING ACCESS, SHARE DRAFT SERVICES, AND OTHER EXPENSES ASSOCIATED WITH FINANCIAL ACCOUNT PROGRAMS. EDUCATION FIRST PROVIDED THESE SERVICES TO AN ESTIMATED 13,921 MEMBERS DURING 2016.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0242181
IRS990/PYInvestmentIncomeAmt0287789
IRS990/PYOtherExpensesAmt03079935
IRS990/PYProgramServiceRevenueAmt05206261
IRS990/PYRevenuesLessExpensesAmt031903
IRS990/PYSalariesCompEmpBnftPaidAmt02140031
IRS990/PYTotalExpensesAmt05462147
IRS990/PYTotalRevenueAmt05494050
IRS990/ReconcilationRevenueExpnssAmt0196862
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06630853
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07290064
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010156285
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012353477
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0868863
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0838274
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01707137
IRS990ScheduleD/EquipmentGrp/BookValueAmt0533428
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03281361
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03814789
IRS990ScheduleD/ExpensesNotReportedAmt0462349
IRS990ScheduleD/ExpensesSubtotalAmt05753752
IRS990ScheduleD/LandGrp/BookValueAmt0363780
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0363780
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0317824
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0478440
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0796264
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt015523790
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt11329360
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2435530
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0INVESTMENTS W/ MATURITIES LONGER 1 Y
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1OTHER ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ACCRUED INCOME
IRS990ScheduleD/OtherExpensesIncludedAmt0462349
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt086902692
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/RevenueSubtotalAmt05950614
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0CHANGE IN UNRECOGNIZED PENSION COSTS 462,349
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 4, PART XII, LINE 2D
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02083895
IRS990ScheduleD/TotalBookValueOtherAssetsAmt017288680
IRS990ScheduleD/TotalExpensesPerForm990Amt05753752
IRS990ScheduleD/TotalLiabilityAmt086902692
IRS990ScheduleD/TotalRevenuePerForm990Amt05950614
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt05950614
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt06216101
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0129877
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount019092
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt05882
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MICHAEL WETTRICH
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0154851
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF APPROXIMATELY 13,921 MEMBER-OWNERS, EACH OF WHICH HAS EQUAL RIGHTS IN OWNERSHIP, GOVERNANCE, AND VOTING RIGHTS AT THE ANNUAL MEETINGS, WITH THE EXCEPTION OF THE MEMBER- OWNERS WHO ARE ELECTED TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBER-OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR 3 YEAR TERMS ON A ROTATING BASIS. CANDIDATES ARE ELECTED BY A SIMPLE PLURALITY VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN DECISIONS CAN ONLY BE DECIDED BY A MAJORITY OF THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ALL BRANCHES OPERATE UNDER THE SAME POLICIES AND PROCEDURES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE FORM 990 IS PREPARED BY THE EXTERNAL ACCOUNTANT BASED ON THE FINANCIAL STATEMENTS AND INFORMATION PROVIDED BY THE CREDIT UNION. THE RETURN IS THEN REVIEWED BY THE CFO AND PRESIDENT/CEO PRIOR TO SUBMISSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BOARD MEMBERS, OFFICERS AND EMPLOYEES ANNUALLY SIGN A STATEMENT WHICH AFFIRMS THAT SUCH PERSON HAS RECEIVED A COPY OF THE POLICY, HAS READ AND UNDERSTANDS THE POLICY, AND HAS AGREED TO COMPLY WITH THE POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6AN INDEPENDENT COMPENSATION REVIEW IS COMPLETED AND USED BY THE BOARD OF DIRECTORS TO SET THE COMPENSATION PACKAGE FOR THE PRESIDENT/CEO. THE COMPENSATION REVIEW IS ALSO USED BY THE PRESIDENT/CEO WHEN REVIEWING COMPENSATION LEVELS FOR ALL OTHER EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7AN INDEPENDENT COMPENSATION REVIEW IS COMPLETED AND USED BY THE BOARD OF DIRECTORS TO SET THE COMPENSATION PACKAGE FOR THE PRESIDENT/CEO. THE COMPENSATION REVIEW IS ALSO USED BY THE PRESIDENT/CEO WHEN REVIEWING COMPENSATION LEVELS FOR ALL OTHER EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8STATEMENTS ARE AVAILABLE UPON REQUEST, AND CURRENT AND PRECEDING MONTHS ARE POSTED IN THE LOBBY OF THE 399 E LIVINGSTON AVE, COLUMBUS, OHIO BRANCH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9DEFINED BENEFIT PLAN TRANSITION 462,349
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 10B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt094492772
IRS990/TotalAssetsEOYAmt094744941
IRS990/TotalAssetsGrp/BOYAmt094492772
IRS990/TotalAssetsGrp/EOYAmt094744941
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt054
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt05753752
IRS990/TotalGrossUBIAmt047802
IRS990/TotalLiabilitiesBOYAmt087861919
IRS990/TotalLiabilitiesEOYAmt087454877
IRS990/TotalLiabilitiesGrp/BOYAmt087861919
IRS990/TotalLiabilitiesGrp/EOYAmt087454877
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06630853
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07290064
IRS990/TotalOtherCompensationAmt019855
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt0225135
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0272937
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt047802
IRS990/TotalProgramServiceRevenueAmt05676244
IRS990/TotalReportableCompFromOrgAmt0409280
IRS990/TotalRevenueGrp/ExclusionAmt0271096
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt05631716
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05950614
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt047802
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt094492772
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt094744941
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0501 W SCHROCK RD
IRS990/USAddress/CityNm0WESTERVILLE
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd043081
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.EDUCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHAEL WETTRICH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06142219376
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-11-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0EDUCATION FIRST CREDIT UNION INC
ReturnHeader/Filer/BusinessNameControlTxt0EDUC

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$94,744,941
Liabilities
$87,454,877
Net assets
$7,290,064
Revenue
$5,950,614
Expenses
$5,753,752
Net income
$196,862
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$145$131$13.7$10.1$9.69$0.37
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$137$124$12.9$9.03$8.84$0.19
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$146$133$12.8$7.95$7.43$0.53
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$141$128$12.3$7.70$7.06$0.64
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$133$122$10.9$8.21$7.35$0.87
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$112$103$9.75$8.70$7.49$1.21
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$109$100$8.69$7.76$7.28$0.48
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$100$92.5$7.88$6.89$6.39$0.49
2016Detailed filing. Detailed filing data is available for this year.$94.7$87.5$7.29$5.95$5.75$0.20
2015Detailed filing. Detailed filing data is available for this year.$94.5$87.9$6.63$5.49$5.46$0.03
2014Detailed filing. Detailed filing data is available for this year.$85.9$78.9$7.05$5.48$6.37$0.89
2013Detailed filing. Detailed filing data is available for this year.$86.4$78.1$8.34$5.83$6.24$0.41
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$87.9$79.7$8.25$6.40
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$86.1$77.0$9.10$5.99
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$84.7$74.7$10.0$6.02
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