Civic Intelligence

138 Towpath Credit Union Inc

990 • Fiscal year 2010 • EIN 34-0058905

Jan 01, 2010 to Dec 31, 2010 • Filed on Aug 02, 2011

Organization Profilewww.towpathcu.com

View Organization Page

2969 Smith Road44333
Siviq Scores

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

Liabilities / Assets

36th percentile

0.88x

Higher debt load relative to assets than 36% of similar nonprofits.

2010 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets36th percentile

Assets

$72,209,894

No earlier filing loaded for comparison.

Net Assets

$8,649,067

No earlier filing loaded for comparison.

Liabilities

$63,560,827

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$3,794,814

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$200M$150M$100M$50M$0Assets 2010: $72,209,894Liabilities 2010: $63,560,827Net Assets 2010: $8,649,0672010Assets 2011: $112,061,916Liabilities 2011: $99,744,246Net Assets 2011: $12,317,6702011Assets 2012: $114,237,874Liabilities 2012: $101,702,015Net Assets 2012: $12,535,8592012Assets 2013: $113,894,801Liabilities 2013: $100,933,645Net Assets 2013: $12,961,1562013Assets 2014: $113,545,148Liabilities 2014: $100,200,991Net Assets 2014: $13,344,1572014Assets 2015: $116,456,558Liabilities 2015: $102,566,409Net Assets 2015: $13,890,1492015Assets 2016: $122,031,762Liabilities 2016: $107,093,376Net Assets 2016: $14,938,3862016Assets 2017: $126,948,784Liabilities 2017: $111,221,316Net Assets 2017: $15,727,4682017Assets 2018: $127,845,477Liabilities 2018: $110,973,324Net Assets 2018: $16,872,1532018Assets 2019: $131,344,949Liabilities 2019: $113,435,948Net Assets 2019: $17,909,0012019Assets 2020: $155,193,622Liabilities 2020: $136,929,159Net Assets 2020: $18,264,4632020Assets 2021: $178,726,504Liabilities 2021: $159,616,535Net Assets 2021: $19,109,9692021Assets 2022: $191,683,820Liabilities 2022: $171,918,496Net Assets 2022: $19,765,3242022Assets 2023: $198,013,463Liabilities 2023: $177,861,076Net Assets 2023: $20,152,3872023Assets 2024: $198,342,445Liabilities 2024: $177,105,093Net Assets 2024: $21,237,3522024

Highlighted filing

2010

Assets$72,209,894
Liabilities$63,560,827
Net Assets$8,649,067
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$15M$10M$5.0M$0Expenses 2010: $3,794,8142010Expenses 2011: $5,988,2762011Expenses 2012: $4,704,7172012Revenue 2013: $4,970,191Expenses 2013: $4,544,894Net Income 2013: $425,2972013Revenue 2014: $5,346,653Expenses 2014: $4,963,652Net Income 2014: $383,0012014Revenue 2015: $5,722,672Expenses 2015: $5,176,680Net Income 2015: $545,9922015Revenue 2016: $6,607,239Expenses 2016: $5,559,002Net Income 2016: $1,048,2372016Revenue 2017: $7,238,035Expenses 2017: $6,428,158Net Income 2017: $809,8772017Revenue 2018: $8,170,867Expenses 2018: $6,976,229Net Income 2018: $1,194,6382018Revenue 2019: $8,203,326Expenses 2019: $7,255,182Net Income 2019: $948,1442019Revenue 2020: $7,391,287Expenses 2020: $7,041,391Net Income 2020: $349,8962020Revenue 2021: $7,800,113Expenses 2021: $7,248,682Net Income 2021: $551,4312021Revenue 2022: $8,942,681Expenses 2022: $8,426,996Net Income 2022: $515,6852022Revenue 2023: $11,618,297Expenses 2023: $10,590,911Net Income 2023: $1,027,3862023Revenue 2024: $13,589,594Expenses 2024: $12,578,142Net Income 2024: $1,011,4522024

Highlighted filing

2010

Revenue-
Expenses$3,794,814
Net Income-
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
Aug 2, 2011
Return Version
2010v3.2
Gross Receipts
$3,909,508
Mission and Program Overview

Mission

Towpath Credit Union provides quality financial products and services to qualified members.

Major Activities

Activity 2
Direct labor and employee benefit costs incurred providing savings deposit services, originating new loans, and servicing the loan portfolio for members.
Activity 3
Data processing costs incurred recording member account activity and providing access to members' accounts via home/online banking, through atm network, and in person in the credit union's offices.
Filing and Contact Details

Filer

EIN
34-0058905
Raw XML AppendixShowing 400 of 416 raw XML fields

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IRS990ScheduleO/GeneralExplanation/Explanation0VARIOUS OPERATING EXPENSES NECESSARY TO RUN THE CREDIT UNION IN A SAFE, SOUND AND EFFICIENT MANNER, THEREFORE SAFEGUARDING MEMBERS' ASSETS AND PROVIDING OPTIMAL SERVICE TO MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF MEMBER-OWNERS, EACH OF WHOM HAS EQUAL RIGHTS IN OWNERSHIP, GOVERNANCE, AND VOTING RIGHTS AT THE ANNUAL MEETINGS, WITH THE EXCEPTION OF MEMBER-OWNERS, WHO ARE ELECTED TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation2THE MEMBERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT MEMBERS OF THE BOARD OF DIRECTORS FOR 3 YEAR TERMS.
IRS990ScheduleO/GeneralExplanation/Explanation3CHANGES TO BYLAWS MUST BE APPROVED BY THE MEMBERSHIP AFTER APPROVAL BY THE BOARD OF DIRECTORS AND THE STATE DIVISION OF CREDIT UNIONS.
IRS990ScheduleO/GeneralExplanation/Explanation4PRIOR TO FILING FORM 990 FOR 2010, A COPY WAS GIVEN TO THE CEO FOR REVIEW, AFTER WHICH THE BOARD OF DIRECTORS REVIEWED THE REPORT AT THEIR NEXT SCHEDULED MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation5THERE IS A CODE OF CONDUCT AFFIRMATION FORM THAT IS FILLED IN ANNUALLY BY EACH MEMBER AND OFFICER OF THE BOARD OF DIRECTORS. STAFF IS ALSO REQUIRED TO FILL IN A FORM, AND ALL FORMS ARE KEPT ON FILE IN THE MAIN OFFICE OF THE CREDIT UNION.
IRS990ScheduleO/GeneralExplanation/Explanation6THE BOARD REVIEWS AND APPROVES THE CEO'S COMPENSATION.
IRS990ScheduleO/GeneralExplanation/Explanation7THE BOARD REVIEWS AND APPROVES
IRS990ScheduleO/GeneralExplanation/Explanation8THE CREDIT UNION'S CURRENT FINANCIAL STATEMENTS ARE ON DISPLAY IN EACH OFFICE LOBBY. ANY ADDITIONAL DOCUMENTS MAY BE VIEWED AT OUR MAIN OFFICE BY APPOINTMENT.
IRS990ScheduleO/GeneralExplanation/Identifier0ALL OTHER ACHIEVEMENTS DESCRIPTION
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IRS990ScheduleO/GeneralExplanation/Identifier2ELECTION OF MEMBERS AND THEIR RIGHTS
IRS990ScheduleO/GeneralExplanation/Identifier3DECISIONS SUBJECT TO APPROVAL OF MEMBERS
IRS990ScheduleO/GeneralExplanation/Identifier4ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier5ENFORCEMENT OF CONFLICTS POLICY
IRS990ScheduleO/GeneralExplanation/Identifier6COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier7COMPENSATION PROCESS FOR OFFICERS
IRS990ScheduleO/GeneralExplanation/Identifier8GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
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IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10TOWPATH CREDIT UNION INC
IRS990/TheBooksAreInCareOf/TelephoneNumber03306644700
IRS990/TotalAssets/BOY067734593
IRS990/TotalAssetsBOY067734593
IRS990/TotalAssets/EOY072209894
IRS990/TotalAssetsEOY072209894
IRS990/TotalCompGT150K0false
IRS990/TotalExpensesCurrentYear03794814
IRS990/TotalExpensesPriorYear03859814
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
IRS990/TotalFunctionalExpenses/Total03794814
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI05753
IRS990/TotalLiabilities/BOY059152275
IRS990/TotalLiabilitiesBOY059152275
IRS990/TotalLiabilities/EOY063560827
IRS990/TotalLiabilitiesEOY063560827
IRS990/TotalLiabNetAssetsFundBalances/BOY067734593
IRS990/TotalLiabNetAssetsFundBalances/EOY072209894
IRS990/TotalNbrEmployees026
IRS990/TotalNbrVolunteers09
IRS990/TotalNetAssetsFundBalances/BOY08582318
IRS990/TotalNetAssetsFundBalances/EOY08649067
IRS990/TotalOtherCompensation016270
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue03013504
IRS990/TotalReportableCompFromOrg0110588
IRS990/TotalRevenueCurrentYear03909508
IRS990/TotalRevenue/ExclusionAmount0896004
IRS990/TotalRevenuePriorYear04100189
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome03007751
IRS990/TotalRevenue/TotalRevenueColumn03909508
IRS990/TotalRevenue/UnrelatedBusinessRevenue05753
IRS990/TransactionRelatedEntity0false
IRS990/TypeOfOrganizationOther0X
IRS990/TypeOfOrgOtherDescription0CREDIT UNION
IRS990/UnrelatedBusinessIncome0true
IRS990/UponRequest0X
IRS990/WebSite0WWW.TOWPATHCU.COM
IRS990/WhistleblowerPolicy0true
IRS990/YearFormation01936
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0340058905
ReturnHeader/Filer/Name/BusinessNameLine10TOWPATH CREDIT UNION INC
ReturnHeader/Filer/NameControl0TOWP
ReturnHeader/Filer/Phone03306644700
ReturnHeader/Filer/USAddress/AddressLine102969 SMITH ROAD
ReturnHeader/Filer/USAddress/City0FAIRLAWN
ReturnHeader/Filer/USAddress/State0OH
ReturnHeader/Filer/USAddress/ZIPCode044333
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02011-08-02

Document Assets

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Filings

Displayed year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$72,209,894
Liabilities
$63,560,827
Net assets
$8,649,067
Revenue
-
Expenses
$3,794,814
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$198$177$21.2$13.6$12.6$1.01
2023Detailed filing. Detailed filing data is available for this year.$198$178$20.2$11.6$10.6$1.03
2022Detailed filing. Detailed filing data is available for this year.$192$172$19.8$8.94$8.43$0.52
2021Detailed filing. Detailed filing data is available for this year.$179$160$19.1$7.80$7.25$0.55
2020Detailed filing. Detailed filing data is available for this year.$155$137$18.3$7.39$7.04$0.35
2019Detailed filing. Detailed filing data is available for this year.$131$113$17.9$8.20$7.26$0.95
2018Detailed filing. Detailed filing data is available for this year.$128$111$16.9$8.17$6.98$1.19
2017Detailed filing. Detailed filing data is available for this year.$127$111$15.7$7.24$6.43$0.81
2016Detailed filing. Detailed filing data is available for this year.$122$107$14.9$6.61$5.56$1.05
2015Detailed filing. Detailed filing data is available for this year.$116$103$13.9$5.72$5.18$0.55
2014Detailed filing. Detailed filing data is available for this year.$114$100$13.3$5.35$4.96$0.38
2013Detailed filing. Detailed filing data is available for this year.$114$101$13.0$4.97$4.54$0.43
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$114$102$12.5$4.70
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$112$99.7$12.3$5.99
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$72.2$63.6$8.65$3.79