Civic Intelligence

Myusa Credit Union Inc

EIN 31-6023946 • 501(c)14 • Middletown, OH

View Organization Page

Profile

To assist member owners in gaining personal financial success by providing and promoting the use of financial services which feature benefits and advantages over those available from other competitive sources.

3600 Towne BlvdMiddletown, OH 45005

www.myusacu.org

Siviq Scores

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

Liabilities / Assets

24th percentile

0.88x

Higher debt load relative to assets than 24% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

60th percentile

15.62x

Higher debt load relative to revenue than 60% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

24th percentile

4.2%

Higher net margin than 24% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

28th percentile

$355,062

Higher top officer pay than 28% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

69th percentile

5.4%

Faster asset growth than 69% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

23rd percentile

6.4%

Faster revenue growth than 23% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets24th percentile

Assets

Up

$329,590,644

Up $16,780,294 (+5.4%) from 2023

Liabilities

Up

$288,447,305

Up $15,016,013 (+5.5%) from 2023

Net Assets

Up

$41,143,339

Up $1,764,281 (+4.5%) from 2023

Operations
Liabilities / Revenue60th percentileNet Margin24th percentile

Revenue

Up

$18,460,896

Up $1,113,016 (+6.4%) from 2023

Expenses

Up

$17,682,128

Up $2,548,858 (+17%) from 2023

Net Income

Down

$778,768

Down $1,435,842 (-65%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth69th percentile

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

$400M$300M$200M$100M$0Assets 2010: $183,190,241Liabilities 2010: $162,742,871Net Assets 2010: $20,447,3702010Assets 2011: $185,332,388Liabilities 2011: $165,954,777Net Assets 2011: $19,377,6112011Assets 2012: $194,132,903Liabilities 2012: $174,655,136Net Assets 2012: $19,477,7672012Assets 2013: $194,362,729Liabilities 2013: $175,352,228Net Assets 2013: $19,010,5012013Assets 2014: $192,434,219Liabilities 2014: $172,554,634Net Assets 2014: $19,879,5852014Assets 2015: $210,961,725Liabilities 2015: $190,952,509Net Assets 2015: $20,009,2162015Assets 2016: $205,510,472Liabilities 2016: $184,998,163Net Assets 2016: $20,512,3092016Assets 2017: $215,080,273Liabilities 2017: $193,800,890Net Assets 2017: $21,279,3832017Assets 2018: $208,647,765Liabilities 2018: $186,168,652Net Assets 2018: $22,479,1132018Assets 2019: $209,938,372Liabilities 2019: $184,558,613Net Assets 2019: $25,379,7592019Assets 2020: $223,969,142Liabilities 2020: $196,505,394Net Assets 2020: $27,463,7482020Assets 2021: $349,265,766Liabilities 2021: $309,186,254Net Assets 2021: $40,079,5122021Assets 2022: $339,145,171Liabilities 2022: $303,084,724Net Assets 2022: $36,060,4472022Assets 2023: $312,810,350Liabilities 2023: $273,431,292Net Assets 2023: $39,379,0582023Assets 2024: $329,590,644Liabilities 2024: $288,447,305Net Assets 2024: $41,143,3392024

Highlighted filing

2024

Assets$329,590,644
Liabilities$288,447,305
Net Assets$41,143,339
Open 2024 Filing

Operations Trend

Revenue Growth23rd percentile

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

$20M$15M$10M$5.0M$0Expenses 2010: $9,827,2472010Expenses 2011: $10,626,9442011Expenses 2012: $9,030,8962012Revenue 2013: $8,776,352Expenses 2013: $8,769,273Net Income 2013: $7,0792013Revenue 2014: $9,161,094Expenses 2014: $8,815,840Net Income 2014: $345,2542014Revenue 2015: $9,378,928Expenses 2015: $9,122,842Net Income 2015: $256,0862015Revenue 2016: $9,472,942Expenses 2016: $8,894,037Net Income 2016: $578,9052016Revenue 2017: $9,964,393Expenses 2017: $9,064,675Net Income 2017: $899,7182017Revenue 2018: $10,553,594Expenses 2018: $8,763,486Net Income 2018: $1,790,1082018Revenue 2019: $11,406,841Expenses 2019: $9,114,261Net Income 2019: $2,292,5802019Revenue 2020: $9,523,309Expenses 2020: $8,411,864Net Income 2020: $1,111,4452020Revenue 2021: $12,884,021Expenses 2021: $9,697,194Net Income 2021: $3,186,8272021Revenue 2022: $15,186,587Expenses 2022: $12,725,266Net Income 2022: $2,461,3212022Revenue 2023: $17,347,880Expenses 2023: $15,133,270Net Income 2023: $2,214,6102023Revenue 2024: $18,460,896Expenses 2024: $17,682,128Net Income 2024: $778,7682024

Highlighted filing

2024

Revenue$18,460,896
Expenses$17,682,128
Net Income$778,768
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$329,590,644
Liabilities
$288,447,305
Net assets
$41,143,339
Revenue
$18,460,896
Expenses
$17,682,128
Net income
$778,768
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$330$288$41.1$18.5$17.7$0.78
2023Detailed filing. Detailed filing data is available for this year.$313$273$39.4$17.3$15.1$2.21
2022Detailed filing. Detailed filing data is available for this year.$339$303$36.1$15.2$12.7$2.46
2021Detailed filing. Detailed filing data is available for this year.$349$309$40.1$12.9$9.70$3.19
2020Detailed filing. Detailed filing data is available for this year.$224$197$27.5$9.52$8.41$1.11
2019Detailed filing. Detailed filing data is available for this year.$210$185$25.4$11.4$9.11$2.29
2018Detailed filing. Detailed filing data is available for this year.$209$186$22.5$10.6$8.76$1.79
2017Detailed filing. Detailed filing data is available for this year.$215$194$21.3$9.96$9.06$0.90
2016Detailed filing. Detailed filing data is available for this year.$206$185$20.5$9.47$8.89$0.58
2015Detailed filing. Detailed filing data is available for this year.$211$191$20.0$9.38$9.12$0.26
2014Detailed filing. Detailed filing data is available for this year.$192$173$19.9$9.16$8.82$0.35
2013Detailed filing. Detailed filing data is available for this year.$194$175$19.0$8.78$8.77$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$194$175$19.5$9.03
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$185$166$19.4$10.6
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$183$163$20.4$9.83
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 11, 2025
Return Version
2024v5.0
Gross Receipts
$18,460,896
Mission and Program Overview

Mission

To assist member owners in gaining personal financial success by providing and promoting the use of financial services which feature benefits and advantages over those available from other competitive sources.

Provide financial services to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$195,095,725$189,173,186▼ $5,922,539
Investments Other Securities$84,966,125$78,942,828▼ $6,023,297
Savings and Temporary Cash Investments$16,033,750$45,996,541▲ $29,962,791
Rtn Earn Endowment Incm Other Fnds$39,379,058$41,143,339▲ $1,764,281
Land, Buildings, and Equipment, Net$6,948,614$6,614,785▼ $333,829
Cash and Non-Interest-Bearing Accounts$1,673,925$1,650,078▼ $23,847
Total Assets$312,810,350$329,590,644▲ $16,780,294
Other Assets Total$8,092,211$7,213,226▼ $878,985
Liabilities
Other Liabilities$269,400,447$282,621,208▲ $13,220,761
Accounts Payable and Accrued Expenses$4,030,845$5,826,097▲ $1,795,252
Total Liabilities$273,431,292$288,447,305▲ $15,016,013
Net Assets / Fund Balance
Total Net Assets Fund Balance$39,379,058$41,143,339▲ $1,764,281
Total Liabilities and Net Assets / Fund Balance$312,810,350$329,590,644▲ $16,780,294

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,195,836$8,003,177$13,199,013
Equipment$325,049$5,692,467$6,017,516
Land$1,093,900-$1,093,900
Other Securities$1,959,466--
Compensation and Service Providers
Top Officer Pay28th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James MilesCEOFT$300,738$54,324$355,062
Kendrick WalkerVP MarketingFT$125,296$29,560$154,856
Jennifer TuckerVP of AdminiFT$116,692$25,906$142,598
Margaret HaleVP OperationFT$106,504$18,625$125,129
William McfarlandVP of MemberFT$110,461$10,198$120,659
Catherine McmonigleVice Chairma-$11,801-$11,801
Christina McelfreshSecretary-$11,801-$11,801
Delven PorterDirector-$11,801-$11,801
Gerry DalyDirector-$11,801-$11,801
Kyle McgloneChairman-$11,801-$11,801
Tyler HenryDirector-$1,967-$1,967

Highest Paid Contractors

ContractorServicesLocationCompensation
Anthem Blue Cross Blue ShieldHealth InsP O BOX 105673, Atlanta, GA 30348$975,268
Cu AnswersData Processing6000 28TH STREET SE SUITE 100, Grand Rapids, MI 49546$943,737
Four Seasons EnvironmentalOccupancy43 NEW GARVER RD, Monroe, OH 45050$365,312
Atm Solutions INCAtm950 TAYLOR STATION RD SUITE A, Columbus, OH 43230$212,358
Charter CommunicationsCommunications400 WASHINGTON BLVD, Stamford, CT 06902$153,428
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,324,602
Investment Income
$4,136,294
Other Revenue
$0
Change in Net Assets
$778,768

Audited Revenue Reconciliation

Revenue per Audited Statements
$18,460,896
Total Revenue per Audited Statements
$18,460,896
Total Revenue per Form 990
$18,460,896
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,767,183
Salaries, Compensation, and Employee Benefits$5,682,881
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,783,074
Benefits to Members---$3,232,064
Office Expenses---$1,559,855
Advertising---$951,618
Occupancy---$945,612
Other Employee Benefits---$900,913
Current Officers, Directors, Trustees, and Key Employees---$854,216
Fees for Services Other---$665,874
Other Expenses---$415,098
All Other Expenses---$414,001
Payroll Taxes---$357,062
Depreciation Depletion---$341,002
Conferences and Meetings---$180,256
Fees for Services Legal---$115,079
Fees for Services Accounting---$69,338
Travel---$56,891
Interest---$1,011
Pension Plan Contributions---$-212,384
Total Functional Expenses$0$0$0$17,682,128

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$17,682,128
Total Expenses per Audited Statements$17,682,128
Total Expenses per Form 990$17,682,128
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$282,621,208
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 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 credit union has approximately 18,965 member owners.”

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

“The board of directors is elected by the members. Each member has one vote regardless of the balance in their account.”

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

“The form 990 is reviewed by both the ceo and the vp of finance prior to filing with the irs.”

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

“The questionnaire and policy are reaffirmed annually. The questionnaire is given to the board of directors and all employees.”

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

“The ceo's compensation is reviewed by the board of directors annually. The board uses a third party consultant to review comparable salaries.”

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

“Other officers' compensation is reviewed and set by the ceo annually within a budget set by the board of directors.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Myusa Credit Union Inc
EIN
31-6023946
Phone
5134208640
Address
3600 TOWNE BLVD, MIDDLETOWN, OH 45005

Signing Officer

Name
James Miles
Title
CEO
Phone
5134208640
Signed
2025-06-11

Organization Details

Principal Officer
James Miles
Formed
1934
Voting Board Members
6
Independent Board Members
6
Employees
97
Volunteers
6

Preparer

Firm
Waverly Business Services
Address
180 A COMMERCE PARK DR, WESTERVILLE, OH 43082
Preparer
Erin Alderson Ea
Phone
6148906620
Raw XML AppendixShowing 400 of 447 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/TitleTxt1VP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt2VP OF ADMINI
IRS990/Form990PartVIISectionAGrp/TitleTxt3VP OPERATION
IRS990/Form990PartVIISectionAGrp/TitleTxt4VP OF MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE CHAIRMA
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
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IRS990/OtherExpensesGrp/Desc1ATM EXPENSES
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IRS990/PrincipalOfficerNm0JAMES MILES
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IRS990/ProgSrvcAccomActy3Grp/Desc0DATA PROCESSING COSTS INCURRED RECORDING MEMBER ACCOUNTS ACTIVITY AND PROVIDING ACCESS TO MEMBERS TO THEIR ACCOUNTS.
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IRS990ScheduleD/OtherSecuritiesGrp/Desc2CERTIFICATES OF DEPOSIT
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt15797
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JAMES MILES
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1KENDRICK WALKER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1VP MARKETING
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IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THERE IS A SPLIT DOLLAR LIFE PLAN IN PLACE FOR JAMES MILES, THE CEO.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE J, PART III
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS APPROXIMATELY 18,965 MEMBER OWNERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERS. EACH MEMBER HAS ONE VOTE REGARDLESS OF THE BALANCE IN THEIR ACCOUNT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN TRANSACTIONS AND CHANGES TO THE CODE OF REGULATIONS ARE SUBJECT TO MEMBER APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS REVIEWED BY BOTH THE CEO AND THE VP OF FINANCE PRIOR TO FILING WITH THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE QUESTIONNAIRE AND POLICY ARE REAFFIRMED ANNUALLY. THE QUESTIONNAIRE IS GIVEN TO THE BOARD OF DIRECTORS AND ALL EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CEO'S COMPENSATION IS REVIEWED BY THE BOARD OF DIRECTORS ANNUALLY. THE BOARD USES A THIRD PARTY CONSULTANT TO REVIEW COMPARABLE SALARIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6OTHER OFFICERS' COMPENSATION IS REVIEWED AND SET BY THE CEO ANNUALLY WITHIN A BUDGET SET BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7NO DOCUMENTS AVAILABLE TO THE PUBLIC
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 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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