Liabilities / Assets
24th percentile
Higher debt load relative to assets than 24% of similar nonprofits.
Cleveland Hts Teachers Credit Union
990 • Fiscal year 2013 • EIN 34-0150715
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.80x
Liabilities / Revenue
60th percentile
Higher debt load relative to revenue than 60% of similar nonprofits.
Net Margin
73rd percentile
Higher net margin than 73% of similar nonprofits.
Top Officer Pay
76th percentile
Higher top officer pay than 76% of similar nonprofits.
Top officer pay equals 22.0% of source-year revenue.
Asset Growth
4th percentile
Faster asset growth than 4% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
Down$7,562,724
Down $724,746 (-8.7%) from 2012
Net Assets
Up$1,513,962
Up $25,037 (+1.7%) from 2012
Liabilities
Down$6,048,762
Down $749,783 (-11%) from 2012
Revenue And Expenses
Revenue
$290,625
No earlier filing loaded for comparison.
Expenses
Down$265,588
Down $50,157 (-16%) from 2012
Net Income
$25,037
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Mar 27, 2014
- Return Version
- 2013v3.1
- Gross Receipts
- $290,625
Mission and Program Overview
Mission
Credit union provides lending, savings and other financial services to its qualifying members at terms generally better than available in the marketplace and with a service-based emphasis that recognizes the members status as owners
Credit union provides lending, savings and other financial services to its qualifying members at terms generally better than available in the marketplace and with a service-based emphasis that recognizes the members' status as owners
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments Other Securities | $4,501,081 | $3,956,746 | ▼ $544,335 |
| Other Notes and Loans Receivable, Net | $2,801,257 | $2,357,103 | ▼ $444,154 |
| Rtn Earn Endowment Incm Other Fnds | $1,488,925 | $1,513,962 | ▲ $25,037 |
| Savings and Temporary Cash Investments | $569,994 | $833,794 | ▲ $263,800 |
| Receivables From Officers Etc | $236,510 | $234,227 | ▼ $2,283 |
| Investments Program Related | $74,921 | $74,921 | → $0 |
| Land, Buildings, and Equipment, Net | $5,307 | $7,079 | ▲ $1,772 |
| Total Assets | $8,287,470 | $7,562,724 | ▼ $724,746 |
| Other Assets Total | $98,400 | $98,854 | ▲ $454 |
| Liabilities | |||
| Other Liabilities | $6,793,580 | $6,041,249 | ▼ $752,331 |
| Accounts Payable and Accrued Expenses | $4,965 | $7,513 | ▲ $2,548 |
| Total Liabilities | $6,798,545 | $6,048,762 | ▼ $749,783 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,488,925 | $1,513,962 | ▲ $25,037 |
| Total Liabilities and Net Assets / Fund Balance | $8,287,470 | $7,562,724 | ▼ $724,746 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $6,419 | $20,118 | $26,537 |
| Leasehold Improvements | $660 | $330 | $990 |
| Investment Program Related Org | $74,921 | - | - |
| Other Assets Org | $11,109 | - | - |
| Other Securities | $3,463,739 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Debra Lavin | CEO | FT | $64,033 | $64,033 |
| John Burin | Treasurer | - | $11,500 | $11,500 |
Board Members and Trustees
| Name | Title |
|---|---|
| Daniel Macdonald | Director |
| Gloria Black | Director |
| Linda Smith-peterson | Director |
| Polly Reiss-churchill | Director |
| Raymond Tindira | Director |
| Tige Dague | Director |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $223,555
- Investment Income
- $66,924
- Other Revenue
- $146
- Change in Net Assets
- $25,037
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $118,604 |
| Salaries, Compensation, and Employee Benefits | $106,484 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $75,533 |
| Benefits to Members | - | - | - | $40,500 |
| Other Salaries and Wages | - | - | - | $30,951 |
| All Other Expenses | - | - | - | $24,602 |
| Office Expenses | - | - | - | $20,780 |
| Fees for Services Other | - | - | - | $13,376 |
| Insurance | - | - | - | $9,263 |
| Other Expenses | $7,656 | - | - | $7,656 |
| Conferences and Meetings | - | - | - | $3,693 |
| Occupancy | - | - | - | $300 |
| Total Functional Expenses | $0 | $0 | $0 | $265,588 |
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
Insider Transactions and Loans
Interested-Person Transactions
| Interested Party | Relationship | Description | Shared Revenue | Amount |
|---|---|---|---|---|
| Paul Wiseley | Uncle to Former Cu Manager | Legal Counsel | No | $2,000 |
Loans and Receivables
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $236,510 | $234,227 | ▼ $2,283 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Shares and Deposits | $6,041,249 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Business relationship with family members
- Yes
- 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
Members or stockholder classes and rights Part VI line 6
“The credit union is comprised of a single class of approximately 1100 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”
Member election for additional members Part VI line 7A
“Member-owners of the credit union elect at least two of the board of directors annually on a rotating basis until all seven are elected over a three year period. An election is held before the annual meeting by mail, if necessary. Resumes can be sent up to 60 days before the election. If there are more people running than positions, ballots are sent to all members at least 45 days before the election. The results are announced at the annual meeting.the board of directors appoint volunteers to serve on the supervisory committee, which monitors the work of employees and the honesty of directors and employees. They can report directly to the ohio dept of commerce if they cannot solve a problem by reporting it to the board of directors”
Governing body decisions Part VI line 7B
“The board of directors can make changes to the code of regulations or articles of incorporation without approval of the member-owners (with approval of regulatory agency). However, the member-owners can call a special meeting and make changes to the code of regulations or articles of incorporation (with approval of regulatory agency).”
Form 990 governing body review Part VI line 11
“The ceo acts on behalf of the board of directors and has the authority to review the form 990 and approve it for filing.”
Conflict of interest policy compliance Part VI line 12C
“Any officer, director, employee, or trustee who fails to disclose a conflict of interest can be removed by the board of directors. The supervisory committee will report to the ohio dept. Of commerce if several board of directors have conflict of interest problems and can't be removed.”
CEO executive director top management comp Part VI line 15A
“The board of directors reviews the compensation yearly. They look at earnings to see what can be paid. They can look at industry data to determine if the compensation is appropriate.”
Other officer or key employee compensation Part VI line 15B
“The board of directors reviews the compensation yearly. They look at earnings to see what can be paid. They can look at industry data to determine if the compensation is appropriate.”
Governing documents etc available to public Part VI line 19
“Governing documents and conflict of interest policy are available at member's request. The two most current financial statements are posted on the wall of the credit union office.”
Filing and Contact Details
Filer
- EIN
- 34-0150715
Signing Officer
- Name
- Debra Lavin
- Title
- CEO
- Phone
- 2163712550
- Signed
- 2014-03-27
- Discuss with paid preparer
- No
Organization Details
- Formed
- 1936
- Legal Domicile
- Oh
- Voting Board Members
- 7
- Independent Board Members
- 6
- Employees
- 3
- Volunteers
- 27
Preparer
- Preparer
- Ronald Schmidt
- Phone
- 4405421536
Raw XML AppendixShowing 400 of 414 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/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormationYr | 0 | 1936 |
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| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
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| IRS990/PYInvestmentIncomeAmt | 0 | 68124 |
| IRS990/PYOtherExpensesAmt | 0 | 105128 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 262121 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 14500 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 148577 |
| IRS990/PYTotalExpensesAmt | 0 | 315745 |
| IRS990/PYTotalRevenueAmt | 0 | 330245 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 236510 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 234227 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 25037 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | true |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1488925 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1513962 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 569994 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 833794 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 6419 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 20118 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 26537 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 74921 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | PAID IN CAPITAL CORP CREDIT UNION |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 660 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 330 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 990 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 0 | 67936 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 1 | 19809 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 2 | 11109 |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 0 | NCUA SHARE INSURANCE DEPOSIT |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 1 | ACCRUED INTEREST |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 2 | OTHER ASSETS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 6041249 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | SHARES AND DEPOSITS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 493007 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 3463739 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | DEPOSITS IN COMMERCIAL BANKS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | OTHER INVESTMENTS |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 7079 |
| IRS990ScheduleD/TotalBookValueOtherAssetsAmt | 0 | 98854 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 74921 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 3956746 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 6041249 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm | 0 | PAUL WISELEY |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt | 0 | UNCLE TO FORMER CU MANAGER |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 0 | false |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt | 0 | 2000 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc | 0 | LEGAL COUNSEL |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 4886 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 89141 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 2 | 8147 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 3 | 114765 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 4 | 15563 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 5 | 1725 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 2 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 3 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 4 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 5 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 2 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 3 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 4 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 5 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 1 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 2 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 3 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 4 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 5 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | PERSONAL LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 1 | MORTGAGE LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 2 | PERSONAL LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 3 | MORTGAGE LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 4 | AUTO |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 5 | PERSONAL |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 10000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 1 | 99998 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 2 | 8725 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 3 | 151921 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 4 | 17146 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 5 | 3000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | LINDA SMITH-PETERSON |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 1 | TIGE DAGUE |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 2 | TIGE DAGUE |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 3 | DANIEL MACDONALD |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 4 | TIGE DAGUE |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 5 | TIGE DAGUE |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 2 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 3 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 4 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 5 | true |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 234227 |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF APPROXIMATELY 1100 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/ExplanationTxt | 1 | MEMBER-OWNERS OF THE CREDIT UNION ELECT AT LEAST TWO OF THE BOARD OF DIRECTORS ANNUALLY ON A ROTATING BASIS UNTIL ALL SEVEN ARE ELECTED OVER A THREE YEAR PERIOD. AN ELECTION IS HELD BEFORE THE ANNUAL MEETING BY MAIL, IF NECESSARY. RESUMES CAN BE SENT UP TO 60 DAYS BEFORE THE ELECTION. IF THERE ARE MORE PEOPLE RUNNING THAN POSITIONS, BALLOTS ARE SENT TO ALL MEMBERS AT LEAST 45 DAYS BEFORE THE ELECTION. THE RESULTS ARE ANNOUNCED AT THE ANNUAL MEETING.THE BOARD OF DIRECTORS APPOINT VOLUNTEERS TO SERVE ON THE SUPERVISORY COMMITTEE, WHICH MONITORS THE WORK OF EMPLOYEES AND THE HONESTY OF DIRECTORS AND EMPLOYEES. THEY CAN REPORT DIRECTLY TO THE OHIO DEPT OF COMMERCE IF THEY CANNOT SOLVE A PROBLEM BY REPORTING IT TO THE BOARD OF DIRECTORS |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE BOARD OF DIRECTORS CAN MAKE CHANGES TO THE CODE OF REGULATIONS OR ARTICLES OF INCORPORATION WITHOUT APPROVAL OF THE MEMBER-OWNERS (WITH APPROVAL OF REGULATORY AGENCY). HOWEVER, THE MEMBER-OWNERS CAN CALL A SPECIAL MEETING AND MAKE CHANGES TO THE CODE OF REGULATIONS OR ARTICLES OF INCORPORATION (WITH APPROVAL OF REGULATORY AGENCY). |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE CEO ACTS ON BEHALF OF THE BOARD OF DIRECTORS AND HAS THE AUTHORITY TO REVIEW THE FORM 990 AND APPROVE IT FOR FILING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | ANY OFFICER, DIRECTOR, EMPLOYEE, OR TRUSTEE WHO FAILS TO DISCLOSE A CONFLICT OF INTEREST CAN BE REMOVED BY THE BOARD OF DIRECTORS. THE SUPERVISORY COMMITTEE WILL REPORT TO THE OHIO DEPT. OF COMMERCE IF SEVERAL BOARD OF DIRECTORS HAVE CONFLICT OF INTEREST PROBLEMS AND CAN'T BE REMOVED. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE BOARD OF DIRECTORS REVIEWS THE COMPENSATION YEARLY. THEY LOOK AT EARNINGS TO SEE WHAT CAN BE PAID. THEY CAN LOOK AT INDUSTRY DATA TO DETERMINE IF THE COMPENSATION IS APPROPRIATE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE BOARD OF DIRECTORS REVIEWS THE COMPENSATION YEARLY. THEY LOOK AT EARNINGS TO SEE WHAT CAN BE PAID. THEY CAN LOOK AT INDUSTRY DATA TO DETERMINE IF THE COMPENSATION IS APPROPRIATE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE AT MEMBER'S REQUEST. THE TWO MOST CURRENT FINANCIAL STATEMENTS ARE POSTED ON THE WALL OF THE CREDIT UNION OFFICE. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Members or stockholder classes and rights Part VI line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Member election for additional members Part VI line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Governing body decisions Part VI line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990 governing body review Part VI line 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Conflict of interest policy compliance Part VI line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | CEO executive director top management comp Part VI line 15a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Other officer or key employee compensation Part VI line 15b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Governing documents etc available to public Part VI line 19 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 8287470 |
| IRS990/TotalAssetsEOYAmt | 0 | 7562724 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 8287470 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 7562724 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 3 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 265588 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 6798545 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 6048762 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 6798545 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 6048762 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1488925 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1513962 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcExpenseAmt | 0 | 109341 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 265588 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 223555 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 75533 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 290625 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 290625 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 27 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 8287470 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 7562724 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TransactionWithControlEntInd | 0 | false |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 6 |
| IRS990/WebsiteAddressTxt | 0 | CHTCU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2015-11-30 17:44:51Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | false |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | DEBRA LAVIN |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 2163712550 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2014-03-27 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1 | 0 | CLEVELAND HTS TEACHERS CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | CLEV |
| ReturnHeader/Filer/EIN | 0 | 340150715 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 14780 SUPERIOR RD |
| ReturnHeader/Filer/USAddress/City | 0 | CLEVELAND |
| ReturnHeader/Filer/USAddress/State | 0 | OH |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 441182121 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $7,562,724
- Liabilities
- $6,048,762
- Net assets
- $1,513,962
- Revenue
- $290,625
- Expenses
- $265,588
- Net income
- $25,037