Liabilities / Assets
28th percentile
Higher debt load relative to assets than 28% of similar nonprofits.
281 St James Parish Credit Union Inc
EIN 31-6033713 • 501(c)14 • Cincinnati, OH
Profile
To provide lending and savings and other financial service to its qualifying members at terms generally better then available in the market place and with service based emphasis the recognize the member
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.80x
Liabilities / Revenue
42nd percentile
Higher debt load relative to revenue than 42% of similar nonprofits.
Net Margin
80th percentile
Higher net margin than 80% of similar nonprofits.
Top Officer Pay
34th percentile
Higher top officer pay than 34% of similar nonprofits.
Top officer pay equals 14.2% of source-year revenue.
Asset Growth
70th percentile
Faster asset growth than 70% of similar nonprofits.
Revenue Growth
83rd percentile
Faster revenue growth than 83% of similar nonprofits.
Balance Sheet
Assets
Up$5,893,618
Up $99,652 (+1.7%) from 2023
Liabilities
Up$4,687,189
Up $7,434 (+0.2%) from 2023
Net Assets
Up$1,206,429
Up $92,218 (+8.3%) from 2023
Revenue
Up$335,929
Up $59,661 (+22%) from 2023
Expenses
Up$280,736
Up $41,224 (+17%) from 2023
Net Income
Up$55,193
Up $18,437 (+50%) from 2023
Trend Graphs
Filings
Most recent year
2024 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $5,893,618
- Liabilities
- $4,687,189
- Net assets
- $1,206,429
- Revenue
- $335,929
- Expenses
- $280,736
- Net income
- $55,193
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2024 to Dec 31, 2024
- Signed
- Apr 23, 2025
- Return Version
- 2024v5.0
- Gross Receipts
- $335,929
Mission and Program Overview
Mission
To provide lending and savings and other financial service to its qualifying members at terms generally better then available in the market place and with service based emphasis the recognize the member
To provide lending & savings & other financial services to its qualifying members at terms generally better then available in the market place and with service based emphasis the recognized the member
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $2,959,581 | $3,337,249 | ▲ $377,668 |
| Investments Program Related | $2,514,156 | $2,345,482 | ▼ $168,674 |
| Rtn Earn Endowment Incm Other Fnds | $1,114,211 | $1,206,429 | ▲ $92,218 |
| Savings and Temporary Cash Investments | $227,460 | $120,355 | ▼ $107,105 |
| Land, Buildings, and Equipment, Net | $40,940 | $36,722 | ▼ $4,218 |
| Receivables From Officers Etc | $29,357 | $21,586 | ▼ $7,771 |
| Prepaid Expenses and Deferred Charges | $8,723 | $15,880 | ▲ $7,157 |
| Cash and Non-Interest-Bearing Accounts | $270 | $270 | → $0 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Loans From Officers Directors | $0 | - | - |
| Total Assets | $5,793,966 | $5,893,618 | ▲ $99,652 |
| Other Assets Total | $13,479 | $16,074 | ▲ $2,595 |
| Liabilities | |||
| Other Liabilities | $4,674,735 | $4,679,929 | ▲ $5,194 |
| Accounts Payable and Accrued Expenses | $5,020 | $7,260 | ▲ $2,240 |
| Total Liabilities | $4,679,755 | $4,687,189 | ▲ $7,434 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,114,211 | $1,206,429 | ▲ $92,218 |
| Total Liabilities and Net Assets / Fund Balance | $5,793,966 | $5,893,618 | ▲ $99,652 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Investment Program Related Org | $2,345,482 | - | - |
| Buildings | $11,287 | $94,145 | $0 |
| Other Land Buildings | $3,435 | $22,795 | $0 |
| Land | $22,000 | - | $0 |
| Equipment | $0 | $88,936 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Debbie Schuster | Manager | FT | $47,540 | $47,540 |
Board Members and Trustees
| Name | Title |
|---|---|
| Richard Betsch | Director President |
| Patrick Meehan | Director Vice President |
| Jessica Lei | Board of Director |
| Donna Bushman | Director |
| Frank Wingert | Director |
| Gregory Steinmetz | Director |
| Julianne Bruzina | Director |
| Richard Harmeyer | Director |
| Stephen Gemperline | Director |
| Thomas Goldschmidt | Director |
| Steven Bushman | Director Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $267,914
- Investment Income
- $68,015
- Other Revenue
- $0
- Change in Net Assets
- $55,193
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $169,049 |
| Salaries, Compensation, and Employee Benefits | $111,687 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Interest | $55,705 | - | - | $55,705 |
| Other Salaries and Wages | $55,460 | - | - | $55,460 |
| Current Officers, Directors, Trustees, and Key Employees | $47,540 | - | - | $47,540 |
| Fees for Services Accounting | $41,357 | - | - | $41,357 |
| Occupancy | $22,271 | - | - | $22,271 |
| All Other Expenses | $17,576 | - | - | $17,576 |
| Information Technology | $16,854 | - | - | $16,854 |
| Payroll Taxes | $8,547 | - | - | $8,547 |
| Office Expenses | $7,963 | - | - | $7,963 |
| Insurance | $5,520 | - | - | $5,520 |
| Advertising | $1,776 | - | - | $1,776 |
| Other Employee Benefits | $140 | - | - | $140 |
| Travel | $27 | - | - | $27 |
| Total Functional Expenses | $280,736 | $0 | $0 | $280,736 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| 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 Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $29,357 | $21,586 | ▼ $7,771 |
| Loans from Officers, Directors, Trustees, and Key Employees | $0 | - | - |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Shares and Cd | $4,679,929 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Backup withholding compliance
- 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
- No
- Other officer compensation reviewed
- No
- 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, Part VI, Section A, Line 2
“Donna bushman and steven bushman both members of the board of directors are mother and son”
Form 990, Part VI, Section A, Line 6
“The credit union is comprised of single class aprroximately 1000 member owners of which equal right in ownership governance and rights at thr annual meeting with the exeption of the member owners who are elected to the board of directors”
Form 990, Part VI, Section A, Line 7A
“The member owners of the credit union have authority to elect the members of the board of directors for a three year term in a rotating basis canidates are elected by simple plurality vote the board of directors appoint volunteers to serve on the supervisory committee which vested with monitoring safety and soundness of the organization if deemed appropriate the supervisory committee suspend board members and can call special meetings of membership to evalute the issue and vote to either dismiss or reinstate the board member”
Form 990, Part VI, Section A, Line 7B
“The member owner of the credit union would have to say if the credit union were to merge with another”
Form 990, Part VI, Section B, Line 11B
“The ceo/manager received a copy the presents it to the board”
Form 990, Part VI, Section B, Line 12C
“Board members and officers annually complete a urvey related to loan business relations and family members that could or do create conflict of interest these are summarized and maintained in a document present at each board meeting conflict of interest are determined by review of potential conflicts by the ceo/manager and board of directors if a conflict exists the conflicted board member or officer is excluded from discussion and votes related to any potenial or existing relationship involving the conflict if it determined that a conflict would be investigated by supervisory committee and the board member could be suspended and subject to dismissal at a special meeting of all the member owners additionally the reemaining board members and officers will review for fairness of all past transaction appears to lack are length either detriment the credit union of the unfair advantage of the board member the legal remedies will be considered”
Form 990, Part VI, Section C, Line 19
“The credit union bylaws conflicy of interest policy and financial statement are available in the office of the credit union to be rviewed by appointment”
Filing and Contact Details
Filer
- Filer Name
- 281 St James Parish Credit Union Inc
- EIN
- 31-6033713
- Phone
- 5133855921
- Address
- 6195 CHEVIOT ROAD, CINCINNATI, OH 45247
Signing Officer
- Name
- Millie Nie
- Title
- Office Assistant
- Phone
- 5133855921
- Signed
- 2025-04-23
Organization Details
- Principal Officer
- Millie Nie
- Formed
- 1939
- Legal Domicile
- Oh
- Voting Board Members
- 11
- Independent Board Members
- 10
- Employees
- 4
- Volunteers
- 11
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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/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 68015 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 68015 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 1 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 2514156 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 2345482 |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 205876 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 40940 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 36722 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 242598 |
| IRS990/LegalDomicileStateCd | 0 | OH |
| IRS990/LoanOutstandingInd | 0 | 1 |
| IRS990/LoansFromOfficersDirectorsGrp/BOYAmt | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingCashInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | TO PROVIDE LENDING AND SAVINGS AND OTHER FINANCIAL SERVICE TO ITS QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THEN AVAILABLE IN THE MARKET PLACE AND WITH SERVICE BASED EMPHASIS THE RECOGNIZE THE MEMBER |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 1114211 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1206429 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 37025 |
| IRS990/NoListedPersonsCompensatedInd | 0 | X |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 22271 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 22271 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 7963 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 7963 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 13479 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 16074 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 140 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 140 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 4674735 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 4679929 |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 55460 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 55460 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 2959581 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 3337249 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 8547 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 8547 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 8723 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 15880 |
| IRS990/PrincipalOfficerNm | 0 | Millie Nie |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 524298 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INT INC |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 258812 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 2277 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 6825 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 258812 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 2277 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 6825 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | TO PROVISE LENDING AND SAVINGS AND OTHER FIANANCIAL SERVICES TO ITS QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THEN AVALIBLE IN THE MARKET PLACE AND WITH SERVICE BASED EMPHASIS THE RECOGNIZED THE MEMBER |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | TO PROVIDE LENDING AND SAVINGS AND OTHER FINANCIAL SERVICE TO ITS QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THEN AVAILABLE IN THE MARKET PLACE AND WITH SERVICE BASED EMPHASIS THE RECOGNIZE THE MEMBER |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 0 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 59395 |
| IRS990/PYOtherExpensesAmt | 0 | 130764 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 216873 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 36756 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 108748 |
| IRS990/PYTotalExpensesAmt | 0 | 239512 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 276268 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 29357 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 21586 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 55193 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 1 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1114211 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1206429 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 227460 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 120355 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 11287 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 94145 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 105432 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 88936 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 88936 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 2345482 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | INVESTMENTS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 22000 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 22000 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 3435 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 22795 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 26230 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 4679929 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES AND CD |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 36722 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 2345482 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 4679929 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 3285 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 18300 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 1 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | AUTO |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 1 | AUTO |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 18593 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 1 | 30000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | FRANK WINGERT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 1 | DEBBIE SCHUSTER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | BOARD OF DIRECTOR |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 1 | MANAGER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 1 | 1 |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 21585 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | DONNA BUSHMAN AND STEVEN BUSHMAN BOTH MEMBERS OF THE BOARD OF DIRECTORS ARE MOTHER AND SON |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE CREDIT UNION IS COMPRISED OF SINGLE CLASS APRROXIMATELY 1000 MEMBER OWNERS OF WHICH EQUAL RIGHT IN OWNERSHIP GOVERNANCE AND RIGHTS AT THR ANNUAL MEETING WITH THE EXEPTION OF THE MEMBER OWNERS WHO ARE ELECTED TO THE BOARD OF DIRECTORS |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE MEMBER OWNERS OF THE CREDIT UNION HAVE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR A THREE YEAR TERM IN A ROTATING BASIS CANIDATES ARE ELECTED BY SIMPLE PLURALITY VOTE THE BOARD OF DIRECTORS APPOINT VOLUNTEERS TO SERVE ON THE SUPERVISORY COMMITTEE WHICH VESTED WITH MONITORING SAFETY AND SOUNDNESS OF THE ORGANIZATION IF DEEMED APPROPRIATE THE SUPERVISORY COMMITTEE SUSPEND BOARD MEMBERS AND CAN CALL SPECIAL MEETINGS OF MEMBERSHIP TO EVALUTE THE ISSUE AND VOTE TO EITHER DISMISS OR REINSTATE THE BOARD MEMBER |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE MEMBER OWNER OF THE CREDIT UNION WOULD HAVE TO SAY IF THE CREDIT UNION WERE TO MERGE WITH ANOTHER |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE CEO/MANAGER RECEIVED A COPY THE PRESENTS IT TO THE BOARD |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | BOARD MEMBERS AND OFFICERS ANNUALLY COMPLETE A URVEY RELATED TO LOAN BUSINESS RELATIONS AND FAMILY MEMBERS THAT COULD OR DO CREATE CONFLICT OF INTEREST THESE ARE SUMMARIZED AND MAINTAINED IN A DOCUMENT PRESENT AT EACH BOARD MEETING CONFLICT OF INTEREST ARE DETERMINED BY REVIEW OF POTENTIAL CONFLICTS BY THE CEO/MANAGER AND BOARD OF DIRECTORS IF A CONFLICT EXISTS THE CONFLICTED BOARD MEMBER OR OFFICER IS EXCLUDED FROM DISCUSSION AND VOTES RELATED TO ANY POTENIAL OR EXISTING RELATIONSHIP INVOLVING THE CONFLICT IF IT DETERMINED THAT A CONFLICT WOULD BE INVESTIGATED BY SUPERVISORY COMMITTEE AND THE BOARD MEMBER COULD BE SUSPENDED AND SUBJECT TO DISMISSAL AT A SPECIAL MEETING OF ALL THE MEMBER OWNERS ADDITIONALLY THE REEMAINING BOARD MEMBERS AND OFFICERS WILL REVIEW FOR FAIRNESS OF ALL PAST TRANSACTION APPEARS TO LACK ARE LENGTH EITHER DETRIMENT THE CREDIT UNION OF THE UNFAIR ADVANTAGE OF THE BOARD MEMBER THE LEGAL REMEDIES WILL BE CONSIDERED |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE CREDIT UNION BYLAWS CONFLICY OF INTEREST POLICY AND FINANCIAL STATEMENT ARE AVAILABLE IN THE OFFICE OF THE CREDIT UNION TO BE RVIEWED BY APPOINTMENT |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, Line 2 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section A, Line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section B, Line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section C, Line 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | OH |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 5793966 |
| IRS990/TotalAssetsEOYAmt | 0 | 5893618 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 5793966 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 5893618 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 4 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
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