Civic Intelligence

C E S Credit Union Inc

990 • Fiscal year 2020 • EIN 31-4400124

Jan 01, 2020 to Dec 31, 2020 • Filed on Sep 30, 2021

P O Box 631Mount Vernon, OH 43050

(740) 397-1136

Siviq Scores

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

Liabilities / Assets

55th percentile

0.90x

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

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Liabilities / Revenue

63rd percentile

21.67x

Higher debt load relative to revenue than 63% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Net Margin

85th percentile

21%

Higher net margin than 85% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Top Officer Pay

30th percentile

$175,947

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 2.4% of source-year revenue.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Asset Growth

77th percentile

21%

Faster asset growth than 77% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2019 to 2020

Revenue Growth

29th percentile

-6.4%

Faster revenue growth than 29% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2019 to 2020

Assets

Up

$179,230,950

Up $30,720,603 (+21%) from 2019

Net Assets

Up

$17,855,023

Up $1,526,644 (+9.3%) from 2019

Liabilities

Up

$161,375,927

Up $29,193,959 (+22%) from 2019

Revenue

Down

$7,445,767

Down $506,921 (-6.4%) from 2019

Expenses

Down

$5,919,123

Down $80,932 (-1.3%) from 2019

Net Income

Down

$1,526,644

Down $425,989 (-22%) from 2019

Historical Trend

Balance Sheet Trend

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

$300M$200M$100M$0Assets 2010: $112,273,419Liabilities 2010: $103,408,264Net Assets 2010: $8,865,1552010Assets 2011: $118,748,091Liabilities 2011: $110,065,571Net Assets 2011: $8,682,5202011Assets 2012: $118,523,758Liabilities 2012: $109,681,803Net Assets 2012: $8,841,9552012Assets 2013: $119,950,597Liabilities 2013: $110,658,978Net Assets 2013: $9,291,6192013Assets 2014: $123,518,935Liabilities 2014: $113,580,072Net Assets 2014: $9,938,8632014Assets 2015: $128,820,711Liabilities 2015: $118,277,652Net Assets 2015: $10,543,0592015Assets 2016: $134,438,913Liabilities 2016: $123,104,465Net Assets 2016: $11,334,4482016Assets 2017: $139,840,046Liabilities 2017: $127,213,200Net Assets 2017: $12,626,8462017Assets 2019: $148,510,347Liabilities 2019: $132,181,968Net Assets 2019: $16,328,3792019Assets 2020: $179,230,950Liabilities 2020: $161,375,927Net Assets 2020: $17,855,0232020Assets 2021: $208,699,156Liabilities 2021: $189,576,248Net Assets 2021: $19,122,9082021Assets 2022: $216,007,452Liabilities 2022: $195,581,965Net Assets 2022: $20,425,4872022Assets 2024: $223,674,898Liabilities 2024: $198,437,509Net Assets 2024: $25,237,3892024

Highlighted filing

2020

Assets$179,230,950
Liabilities$161,375,927
Net Assets$17,855,023

Operations Trend

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

$15M$10M$5.0M$0Expenses 2010: $6,591,6562010Expenses 2011: $6,202,3212011Expenses 2012: $5,618,7642012Revenue 2013: $5,794,655Expenses 2013: $5,344,991Net Income 2013: $449,6642013Revenue 2014: $5,693,845Expenses 2014: $5,046,601Net Income 2014: $647,2442014Revenue 2015: $5,930,747Expenses 2015: $5,326,551Net Income 2015: $604,1962015Revenue 2016: $6,194,514Expenses 2016: $5,410,130Net Income 2016: $784,3842016Revenue 2017: $6,585,024Expenses 2017: $5,375,669Net Income 2017: $1,209,3552017Revenue 2019: $7,952,688Expenses 2019: $6,000,055Net Income 2019: $1,952,6332019Revenue 2020: $7,445,767Expenses 2020: $5,919,123Net Income 2020: $1,526,6442020Revenue 2021: $7,355,905Expenses 2021: $6,193,075Net Income 2021: $1,162,8302021Revenue 2022: $8,113,568Expenses 2022: $6,810,989Net Income 2022: $1,302,5792022Revenue 2024: $12,054,858Expenses 2024: $8,763,692Net Income 2024: $3,291,1662024

Highlighted filing

2020

Revenue$7,445,767
Expenses$5,919,123
Net Income$1,526,644
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Sep 30, 2021
Return Version
2020v4.0
Gross Receipts
$7,445,767
Mission and Program Overview

Mission

The purpose of this credit union shall be to promote thrift and to provide credit for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$84,244,928$86,958,252▲ $2,713,324
Investments Other Securities$45,570,200$65,185,200▲ $19,615,000
Rtn Earn Endowment Incm Other Fnds$16,328,379$17,855,023▲ $1,526,644
Savings and Temporary Cash Investments$9,451,422$17,288,625▲ $7,837,203
Cash and Non-Interest-Bearing Accounts$3,168,326$3,052,106▼ $116,220
Land, Buildings, and Equipment, Net$2,278,381$2,214,875▼ $63,506
Receivables From Officers Etc-$506,935-
Prepaid Expenses and Deferred Charges$272,238$397,182▲ $124,944
Total Assets$148,510,347$179,230,950▲ $30,720,603
Other Assets Total$3,524,852$3,627,775▲ $102,923
Liabilities
Other Liabilities$131,071,284$159,952,161▲ $28,880,877
Accounts Payable and Accrued Expenses$1,110,684$1,074,336▼ $36,348
Escrow Account Liability-$349,430-
Total Liabilities$132,181,968$161,375,927▲ $29,193,959
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,328,379$17,855,023▲ $1,526,644
Total Liabilities and Net Assets / Fund Balance$148,510,347$179,230,950▲ $30,720,603

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,440,766$2,469,500$3,910,266
Equipment$38,919$1,354,894$1,393,813
Other Land Buildings$94,423$662,949$757,372
Land$640,767-$640,767
Other Securities$378,200--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sandra K CoffingCEOFT$166,002$9,945$175,947
Brittany HahlerCFOFT$84,682$12,579$97,261

Board Members and Trustees

NameTitle
Jeff WellsChairman
Margaret Ann RuhlVice Chair
Candice GallagherBoard Member
George WardenBoard Member
Jason BoothBoard Member
Kim FearnBoard Member
Larry HattonBoard Member
Teresa BemillerSecretary
Matthew KurtzTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jha Payment ProcessingDebit Card ProcPO BOX 91101, Seattle, WA 98111$599,343
Member Driven TechnologiesData Processor7415 CHICAGO RD, Warren, MI 48092$509,447
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,439,334
Investment Income
$1,006,433
Other Revenue
$0
Change in Net Assets
$1,526,644
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,932,504
Other Expenses$2,851,734
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,940,060
Fees for Services Other---$522,063
Other Employee Benefits---$435,677
Current Officers, Directors, Trustees, and Key Employees---$250,684
Occupancy---$224,212
Advertising---$208,465
All Other Expenses---$190,353
Depreciation Depletion---$171,853
Office Expenses---$168,300
Pension Plan Contributions---$157,153
Payroll Taxes---$148,930
Benefits to Members---$134,885
Other Expenses---$69,386
Insurance---$51,290
Fees for Services Accounting---$27,469
Travel---$11,111
Fees for Services Legal---$3,698
Conferences and Meetings---$2,752
Interest---$94
Total Functional Expenses$0$0$0$5,919,123
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-$506,935-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$159,952,161
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

The organization has members.

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

The board of directors are elected by the members.

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

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

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

Management will review the form 990 prior to filing with the irs.

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

Ceo compensation is established and reviewed by the compensation subcommittee, who evaluate the ceo's performance against measurable outcomes.

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

Each officer has a performance review annually where pre-established goals are measured by the ceo. Additionally, the ceo reviews other executive compensation with the use of third party comparable data.

Form 990, Page 6, Part VI, Line 19

Governing documents and conflict of interest policy are not available to the public. The financial statements are included in the annual meeting handout and posted inside of local branches.

Filing and Contact Details

Filer

Filer Name
C E S Credit Union Inc
EIN
31-4400124
Phone
7403971136
Address
P O BOX 631, MOUNT VERNON, OH 43050

Signing Officer

Name
Sandra K Coffing
Title
CEO
Phone
7403971136
Signed
2021-09-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sandra K Coffing
Formed
1952
Legal Domicile
Oh
Voting Board Members
9
Independent Board Members
9
Employees
72
Volunteers
9

Preparer

Firm
Buckingham Business Advisors LLC
Address
180-A COMMERCE PARK DR, WESTERVILLE, OH 43082-6067
Preparer
Erin Alderson Ea
Phone
6148906620
Raw XML AppendixShowing 400 of 595 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01110684
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01074336
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0THE PURPOSE OF THIS CREDIT UNION SHALL BE TO PROMOTE THRIFT AND TO PROVIDE CREDIT FOR ITS MEMBERS.
IRS990/AdvertisingGrp/TotalAmt0208465
IRS990/AllOtherExpensesGrp/TotalAmt0190353
IRS990/AnnualDisclosureCoveredPrsnInd0false
IRS990/BenefitsToMembersGrp/TotalAmt0134885
IRS990/BooksInCareOfDetail/PersonNm0SANDRA K COFFING
IRS990/BooksInCareOfDetail/PhoneNum07403971136
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0P O BOX 631
IRS990/BooksInCareOfDetail/USAddress/CityNm0MT VERNON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0OH
IRS990/BooksInCareOfDetail/USAddress/ZIPCd043050
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt03168326
IRS990/CashNonInterestBearingGrp/EOYAmt03052106
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt02
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0250684
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt02752
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0599343
IRS990/ContractorCompensationGrp/CompensationAmt1509447
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0PO BOX 91101
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt17415 CHICAGO RD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0SEATTLE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1WARREN
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0WA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd098111
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd148092
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0JHA PAYMENT PROCESSING
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1MEMBER DRIVEN TECHNOLOGIES
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine2Txt0JHA PAYMENT PROCESSING
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine2Txt1MEMBER DRIVEN TECHNOLOGIES
IRS990/ContractorCompensationGrp/ServicesDesc0DEBIT CARD PROC
IRS990/ContractorCompensationGrp/ServicesDesc1DATA PROCESSOR
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt0134885
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01006433
IRS990/CYOtherExpensesAmt02851734
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt06439334
IRS990/CYRevenuesLessExpensesAmt01526644
IRS990/CYSalariesCompEmpBnftPaidAmt02932504
IRS990/CYTotalExpensesAmt05919123
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt07445767
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0171853
IRS990/Desc0PROVIDE FINANCIAL SERVICES TO APPROXIMATELY 15,796 MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt072
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EscrowAccountLiabilityGrp/EOYAmt0349430
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt027469
IRS990/FeesForServicesLegalGrp/TotalAmt03698
IRS990/FeesForServicesOtherGrp/TotalAmt0522063
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt09945
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt112579
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/PersonNm0SANDRA K COFFING
IRS990/Form990PartVIISectionAGrp/PersonNm1BRITTANY HAHLER
IRS990/Form990PartVIISectionAGrp/PersonNm2TERESA BEMILLER
IRS990/Form990PartVIISectionAGrp/PersonNm3JASON BOOTH
IRS990/Form990PartVIISectionAGrp/PersonNm4KIM FEARN
IRS990/Form990PartVIISectionAGrp/PersonNm5CANDICE GALLAGHER
IRS990/Form990PartVIISectionAGrp/PersonNm6LARRY HATTON
IRS990/Form990PartVIISectionAGrp/PersonNm7MATTHEW KURTZ
IRS990/Form990PartVIISectionAGrp/PersonNm8MARGARET ANN RUHL
IRS990/Form990PartVIISectionAGrp/PersonNm9GEORGE WARDEN
IRS990/Form990PartVIISectionAGrp/PersonNm10JEFF WELLS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0166002
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt184682
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
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/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHAIRMAN
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt07445767
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt051290
IRS990/InterestGrp/TotalAmt094
IRS990/InvestmentIncomeGrp/ExclusionAmt01006433
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01006433
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt045570200
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt065185200
IRS990/IRPDocumentCnt02268
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04487343
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02278381
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02214875
IRS990/LandBldgEquipCostOrOtherBssAmt06702218
IRS990/LegalDomicileStateCd0OH
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0THE PURPOSE OF THIS CREDIT UNION SHALL BE TO PROMOTE THRIFT AND TO PROVIDE CREDIT FOR ITS MEMBERS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt016328379
IRS990/NetAssetsOrFundBalancesEOYAmt017855023
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0224212
IRS990/OfficeExpensesGrp/TotalAmt0168300
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03524852
IRS990/OtherAssetsTotalGrp/EOYAmt03627775
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0435677
IRS990/OtherExpensesGrp/Desc0ATM/DEBIT CARD EXPENSE
IRS990/OtherExpensesGrp/Desc1MISC OPERATIONS EXPENSE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt0730131
IRS990/OtherExpensesGrp/TotalAmt1242784
IRS990/OtherExpensesGrp/TotalAmt2227773
IRS990/OtherExpensesGrp/TotalAmt369386
IRS990/OtherLiabilitiesGrp/BOYAmt0131071284
IRS990/OtherLiabilitiesGrp/EOYAmt0159952161
IRS990/OtherSalariesAndWagesGrp/TotalAmt01940060
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt084244928
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt086958252
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0148930
IRS990/PensionPlanContributionsGrp/TotalAmt0157153
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0272238
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0397182
IRS990/PrincipalOfficerNm0SANDRA K COFFING
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES & COMMISSIONS
IRS990/ProgramServiceRevenueGrp/Desc3FOREIGN ATM FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03789267
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11359684
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21191184
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03789267
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11359684
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21191184
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt399199
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt099199
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0113720
IRS990/PYInvestmentIncomeAmt01177063
IRS990/PYOtherExpensesAmt02995578
IRS990/PYProgramServiceRevenueAmt06775625
IRS990/PYRevenuesLessExpensesAmt01952633
IRS990/PYSalariesCompEmpBnftPaidAmt02890757
IRS990/PYTotalExpensesAmt06000055
IRS990/PYTotalRevenueAmt07952688
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0506935
IRS990/ReconcilationRevenueExpnssAmt01526644
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt016328379
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt017855023
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09451422
IRS990/SavingsAndTempCashInvstGrp/EOYAmt017288625
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01440766
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02469500
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03910266
IRS990ScheduleD/EquipmentGrp/BookValueAmt038919
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01354894
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01393813
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/LandGrp/BookValueAmt0640767
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0640767
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt094423
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0662949
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0757372
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0159952161
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt063907000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1900000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2378200
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CORPORATE CU CAPITALIZATION
IRS990ScheduleD/OtherSecuritiesGrp/Desc2FHLB CAPITAL STOCK
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02214875
IRS990ScheduleD/TotalBookValueSecuritiesAmt065185200
IRS990ScheduleD/TotalLiabilityAmt0159952161
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0166002
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt09945
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0SANDRA K COFFING
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0175947
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0271295
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt147458
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt233350
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt320459
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt419440
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt515143
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt611479
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt710593
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt89702
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt99324
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt108848
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt118443
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt128107
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt135762
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt145202
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt154835
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt164672
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt174044
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt183624
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt192096
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt201445
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt21757
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt22402
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt23236
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt24127
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2592
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd10false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd12false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd13false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd14false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd15false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd16false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd17false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd18false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd19false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd20false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd22false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd23false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd24false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd25false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd11false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd12false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd13false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd14false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd15false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd16false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd17false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd18false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd19false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd21false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd22false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd23false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd24false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd25false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$224$198$25.2$12.1$8.76$3.29
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$216$196$20.4$8.11$6.81$1.30
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$209$190$19.1$7.36$6.19$1.16
2020Detailed filing. Detailed filing data is available for this year.$179$161$17.9$7.45$5.92$1.53
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$149$132$16.3$7.95$6.00$1.95
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$140$127$12.6$6.59$5.38$1.21
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$134$123$11.3$6.19$5.41$0.78
2015Detailed filing. Detailed filing data is available for this year.$129$118$10.5$5.93$5.33$0.60
2014Detailed filing. Detailed filing data is available for this year.$124$114$9.94$5.69$5.05$0.65
2013Detailed filing. Detailed filing data is available for this year.$120$111$9.29$5.79$5.34$0.45
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$119$110$8.84$5.62
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$119$110$8.68$6.20
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$112$103$8.87$6.59