Liabilities / Assets
7th percentile
Higher debt load relative to assets than 7% of similar nonprofits.
990 • Fiscal year 2022 • EIN 34-0151750
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
7th percentile
Higher debt load relative to assets than 7% of similar nonprofits.
Liabilities / Revenue
8th percentile
Higher debt load relative to revenue than 8% of similar nonprofits.
Net Margin
2nd percentile
Higher net margin than 2% of similar nonprofits.
Top Officer Pay
40th percentile
Higher top officer pay than 40% of similar nonprofits.
Top officer pay equals 4.1% of source-year revenue.
Asset Growth
61st percentile
Faster asset growth than 61% of similar nonprofits.
Revenue Growth
34th percentile
Faster revenue growth than 34% of similar nonprofits.
Assets
Up$56,539,673
Up $1,315,874 (+2.4%) from 2021
Net Assets
Down$53,118,649
Down $1,692,176 (-3.1%) from 2021
Liabilities
Up$3,421,024
Up $3,008,050 (+728%) from 2021
Revenue
Up$3,337,058
Up $126,231 (+3.9%) from 2021
Expenses
Up$3,703,577
Up $504,432 (+16%) from 2021
Net Income
Down-$366,519
Down $378,201 (-3237%) from 2021
It is the mission of ohio's first class credit union to exceed expectations with superior service and products that will promote members' financial success, while operating in a financially sound, ethical manner.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Rtn Earn Endowment Incm Other Fnds | $54,810,825 | $53,118,649 | ▼ $1,692,176 |
| Other Notes and Loans Receivable, Net | $23,326,286 | $29,685,058 | ▲ $6,358,772 |
| Investments Other Securities | $30,173,974 | $25,866,454 | ▼ $4,307,520 |
| Land, Buildings, and Equipment, Net | $890,509 | $844,123 | ▼ $46,386 |
| Prepaid Expenses and Deferred Charges | $144,660 | $313,504 | ▲ $168,844 |
| Accounts Receivable | $-1,142 | $12,696 | ▲ $13,838 |
| Cash and Non-Interest-Bearing Accounts | $657,305 | $-218,068 | ▼ $875,373 |
| Total Assets | $55,223,799 | $56,539,673 | ▲ $1,315,874 |
| Other Assets Total | $32,207 | $35,906 | ▲ $3,699 |
| Liabilities | |||
| Unsecured Notes Loans Payable | - | $3,100,960 | - |
| Accounts Payable and Accrued Expenses | $393,075 | $307,006 | ▼ $86,069 |
| Other Liabilities | $19,899 | $13,058 | ▼ $6,841 |
| Total Liabilities | $412,974 | $3,421,024 | ▲ $3,008,050 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $54,810,825 | $53,118,649 | ▼ $1,692,176 |
| Total Liabilities and Net Assets / Fund Balance | $55,223,799 | $56,539,673 | ▲ $1,315,874 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $110,291 | $2,421,733 | $2,532,024 |
| Buildings | $45,184 | $1,457,392 | $1,502,576 |
| Land | $688,648 | - | $688,648 |
| Other Securities | $24,939,372 | - | - |
| Closely Held Equity Interests | $927,082 | - | - |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Deirdre Thomas | Operations M | FT | $135,791 | $135,791 |
| Jeffrey Spada | CEO | FT | $104,119 | $104,119 |
| Name | Title |
|---|---|
| Daniel Rupp | President |
| Kermit Crump | Board Member |
| Robert Murphy | Board Member |
| William C Figner | Board Member |
| Felisa Washington | Secretary |
| Mary Campbell-stack | Treasurer |
| Kathy Klimko | Vice Preside |
| Line Item | Amount |
|---|---|
| Other Expenses | $2,436,399 |
| Salaries, Compensation, and Employee Benefits | $1,181,611 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $954,739 |
| All Other Expenses | - | - | - | $361,854 |
| Other Expenses | - | - | - | $256,000 |
| Occupancy | - | - | - | $181,190 |
| Other Employee Benefits | - | - | - | $115,570 |
| Benefits to Members | - | - | - | $85,567 |
| Payroll Taxes | - | - | - | $71,273 |
| Insurance | - | - | - | $65,270 |
| Fees for Services Other | - | - | - | $52,610 |
| Depreciation Depletion | - | - | - | $52,272 |
| Office Expenses | - | - | - | $50,586 |
| Advertising | - | - | - | $46,429 |
| Pension Plan Contributions | - | - | - | $40,029 |
| Interest | - | - | - | $25,930 |
| Fees for Services Accounting | - | - | - | $22,000 |
| Travel | - | - | - | $3,960 |
| Fees for Services Legal | - | - | - | $3,360 |
| Conferences and Meetings | - | - | - | $3,114 |
| Total Functional Expenses | $0 | $0 | $0 | $3,703,577 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Other Liabilities | $9,404 |
| Dividend Payable | $3,631 |
| Taxes Payable | $23 |
“The credit union is comprised of a single class of 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.”
“The member-owners of the credit union have the authority to elect the members of the board of directors for three-year terms on a rotating basis. Candidates are elected by a simple plurality vote.”
“Prior to being filed with the irs, a copy of the irs form 990 and related schedules are reviewed by the ceo, including a confirmation of the accuracy of every answer and oversight of appropriate changes. Upon completion of the ceo's review, the forms are reviewed at a board meeting post submittal to the irs.”
“The credit union has developed a code of ethics, which addresses it's conflict of interest policy. Annually, each employee is required to sign the document acknowledging that he/she has read and understands the code of ethics and to report any activity that would give rise to conflicts.”
“Financial statements are available upon request.”
“Decrease in member's account balances -774,803”
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/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 393075 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 307006 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | -1142 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 12696 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | IT IS THE MISSION OF OHIO'S FIRST CLASS CREDIT UNION TO EXCEED EXPECTATIONS WITH SUPERIOR SERVICE AND PRODUCTS THAT WILL PROMOTE MEMBERS' FINANCIAL SUCCESS, WHILE OPERATING IN A FINANCIALLY SOUND, ETHICAL MANNER. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 46429 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 361854 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 85567 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | JEFFREY SPADA |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 2162411088 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1800 CARNEGIE AVENUE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | CLEVELAND |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | OH |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 44115 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 657305 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | -218068 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | false |
| IRS990/CompensationProcessOtherInd | 0 | false |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 3114 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 85567 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 347922 |
| IRS990/CYOtherExpensesAmt | 0 | 2436399 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 2989136 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -366519 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1181611 |
| IRS990/CYTotalExpensesAmt | 0 | 3703577 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 3337058 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 52272 |
| IRS990/Desc | 0 | DIVIDENDS AND INTEREST PAID TO MEMBERS ON 17,882 DEPOSIT ACCOUNTS HELD BY APPROXIMATELY 9,661 MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 19 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 22000 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 3360 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 52610 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | DEIRDRE THOMAS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | JEFFREY SPADA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | MARY CAMPBELL-STACK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | KERMIT CRUMP |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | WILLIAM C FIGNER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | KATHY KLIMKO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | ROBERT MURPHY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | DANIEL RUPP |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | FELISA WASHINGTON |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 135791 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 104119 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | OPERATIONS M |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | VICE PRESIDE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | SECRETARY |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/Form990TFiledInd | 0 | true |
| IRS990/FormationYr | 0 | 1932 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 3337058 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 2 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 65270 |
| IRS990/InterestGrp/TotalAmt | 0 | 25930 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 347922 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 347922 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 30173974 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 25866454 |
| IRS990/IRPDocumentCnt | 0 | 905 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 3879125 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 890509 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 844123 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 4723248 |
| IRS990/LegalDomicileStateCd | 0 | OH |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | IT IS THE MISSION OF OHIO'S FIRST CLASS CREDIT UNION TO EXCEED EXPECTATIONS WITH SUPERIOR SERVICE AND PRODUCTS THAT WILL PROMOTE MEMBERS' FINANCIAL SUCCESS, WHILE OPERATING IN A FINANCIALLY SOUND, ETHICAL MANNER. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 54810825 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 53118649 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 12263 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -550854 |
| IRS990/NoListedPersonsCompensatedInd | 0 | X |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 181190 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 50586 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 32207 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 35906 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -774803 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 115570 |
| IRS990/OtherExpensesGrp/Desc | 0 | ATM EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 2 | ONLINE BANKING EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 3 | LOAN LOSSES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 565073 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 391120 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 355631 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 256000 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 19899 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 13058 |
| IRS990/OtherOrganizationDsc | 0 | CREDIT UNION |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 954739 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 23326286 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 29685058 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 71273 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 40029 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 144660 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 313504 |
| IRS990/PrincipalOfficerNm | 0 | JEFFREY SPADA |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 4 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | INTERCHANGE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | OTHER OPERATING INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 4 | PARKING LOT FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1732015 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 710224 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 434598 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 91845 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1732015 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 710224 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 434598 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 91845 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 4 | 12940 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 12940 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | DIRECT LABOR AND EMPLOYEE BENEFIT COSTS INCURRED PROVIDING SAVINGS DEPOSIT SERVICES, ORIGINATING NEW LOANS AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | DATA PROCESSING COSTS INCURRED RECORDING MEMBER ACCOUNT ACTIVITY AND PROVIDING ACCESS TO MEMBERS TO THEIR ACCOUNTS VIA HOME BANKING, ATM NETWORKS AND IN PERSON AT THE CREDIT UNION OFFICE. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 94669 |
| IRS990/PYInvestmentIncomeAmt | 0 | 290953 |
| IRS990/PYOtherExpensesAmt | 0 | 2043202 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2919874 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 11682 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1061274 |
| IRS990/PYTotalExpensesAmt | 0 | 3199145 |
| IRS990/PYTotalRevenueAmt | 0 | 3210827 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -366519 |
| 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 | 54810825 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 53118649 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 45184 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1457392 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1502576 |
| IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt | 0 | 927082 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 110291 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 2421733 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 2532024 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 688648 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 688648 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 9404 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 3631 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 23 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | OTHER LIABILITIES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | DIVIDEND PAYABLE |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | TAXES PAYABLE |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 24939372 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | CERTIFICATE OF DEPOSIT |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 844123 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 25866454 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 13058 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF 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 | THE MEMBER-OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR THREE-YEAR TERMS ON A ROTATING BASIS. CANDIDATES ARE ELECTED BY A SIMPLE PLURALITY VOTE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | PRIOR TO BEING FILED WITH THE IRS, A COPY OF THE IRS FORM 990 AND RELATED SCHEDULES ARE REVIEWED BY THE CEO, INCLUDING A CONFIRMATION OF THE ACCURACY OF EVERY ANSWER AND OVERSIGHT OF APPROPRIATE CHANGES. UPON COMPLETION OF THE CEO'S REVIEW, THE FORMS ARE REVIEWED AT A BOARD MEETING POST SUBMITTAL TO THE IRS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE CREDIT UNION HAS DEVELOPED A CODE OF ETHICS, WHICH ADDRESSES IT'S CONFLICT OF INTEREST POLICY. ANNUALLY, EACH EMPLOYEE IS REQUIRED TO SIGN THE DOCUMENT ACKNOWLEDGING THAT HE/SHE HAS READ AND UNDERSTANDS THE CODE OF ETHICS AND TO REPORT ANY ACTIVITY THAT WOULD GIVE RISE TO CONFLICTS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | DECREASE IN MEMBER'S ACCOUNT BALANCES -774,803 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PAGE 6, PART VI, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART XI, LINE 9 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 55223799 |
| IRS990/TotalAssetsEOYAmt | 0 | 56539673 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 55223799 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 56539673 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 19 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 3703577 |
| IRS990/TotalGrossUBIAmt | 0 | 20454 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 412974 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 3421024 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 412974 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 3421024 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 54810825 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 53118649 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 7514 |
| IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt | 0 | 7514 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 2989136 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 239910 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 347922 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2968682 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 3337058 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 20454 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 55223799 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 56539673 |
| IRS990/TravelGrp/TotalAmt | 0 | 3960 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | true |
| IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt | 0 | 3100960 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.OFCCU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2023-04-26 12:10:37Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | JEFFREY SPADA |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 2162411088 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2023-03-01 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | OHIO'S FIRST CLASS CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | OHIO |
| ReturnHeader/Filer/EIN | 0 | 340151750 |
| ReturnHeader/Filer/PhoneNum | 0 | 2162411088 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 1800 CARNEGIE AVENUE |
| ReturnHeader/Filer/USAddress/CityNm | 0 | CLEVELAND |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | OH |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 44115 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | true |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 472565485 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | BUCKINGHAM BUSINESS ADVISORS LLC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 180-A COMMERCE PARK DR |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | WESTERVILLE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | OH |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 430826067 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 6148906620 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2023-03-03 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | ERIN ALDERSON EA |
| ReturnHeader/ReturnTs | 0 | 2023-03-07T11:22:05-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm | 0 | JEFFREY |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm | 0 | SPADA |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2022-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2022-12-31 |
| ReturnHeader/TaxYr | 0 | 2022 |
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Displayed year
2022 • Form 990Detailed filing. Detailed filing data is available for this year.