Civic Intelligence

The Ohio Educational Credit Union Inc

EIN 34-0153020 • 501(c)14 • Seven Hills, OH

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Profile

Building our member's financial future through a full range of superior financial services, education, and exceptional value.

4141 Rockside Road Suite 400Seven Hills, OH 44131

www.ohecu.com

Siviq Scores

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

Liabilities / Assets

94th percentile

0.93x

Higher debt load relative to assets than 94% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

55th percentile

15.58x

Higher debt load relative to revenue than 55% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

51st percentile

12%

Higher net margin than 51% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

46th percentile

$227,796

Higher top officer pay than 46% of similar nonprofits.

Top officer pay equals 2.6% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

20th percentile

-1.1%

Faster asset growth than 20% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

19th percentile

5.5%

Faster revenue growth than 19% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets94th percentile

Assets

Down

$145,966,644

Down $9,196,284 (-5.9%) from 2022

Liabilities

Down

$136,097,981

Down $11,069,688 (-7.5%) from 2022

Net Assets

Up

$9,868,663

Up $1,873,404 (+23%) from 2022

Operations
Liabilities / Revenue55th percentileNet Margin51st percentile

Revenue

Up

$8,736,250

Up $1,508,755 (+21%) from 2022

Expenses

Up

$7,700,507

Up $1,058,123 (+16%) from 2022

Net Income

Up

$1,035,743

Up $450,632 (+77%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth20th percentile

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

$200M$150M$100M$50M$0Assets 2010: $114,753,254Liabilities 2010: $104,537,003Net Assets 2010: $10,216,2512010Assets 2012: $121,056,603Liabilities 2012: $111,133,970Net Assets 2012: $9,922,6332012Assets 2013: $121,017,466Liabilities 2013: $111,928,528Net Assets 2013: $9,088,9382013Assets 2014: $121,158,577Liabilities 2014: $111,833,952Net Assets 2014: $9,324,6252014Assets 2015: $125,334,595Liabilities 2015: $116,015,883Net Assets 2015: $9,318,7122015Assets 2016: $127,961,004Liabilities 2016: $118,534,457Net Assets 2016: $9,426,5472016Assets 2017: $127,321,340Liabilities 2017: $117,431,741Net Assets 2017: $9,889,5992017Assets 2018: $122,878,179Liabilities 2018: $113,529,841Net Assets 2018: $9,348,3382018Assets 2019: $123,225,993Liabilities 2019: $113,569,951Net Assets 2019: $9,656,0422019Assets 2020: $140,236,699Liabilities 2020: $130,586,050Net Assets 2020: $9,650,6492020Assets 2021: $152,807,950Liabilities 2021: $143,529,993Net Assets 2021: $9,277,9572021Assets 2022: $155,162,928Liabilities 2022: $147,167,669Net Assets 2022: $7,995,2592022Assets 2024: $145,966,644Liabilities 2024: $136,097,981Net Assets 2024: $9,868,6632024

Highlighted filing

2024

Assets$145,966,644
Liabilities$136,097,981
Net Assets$9,868,663
Open 2024 Filing

Operations Trend

Revenue Growth19th percentile

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

$10M$5.0M$0-$5.0MExpenses 2010: $7,547,8192010Expenses 2012: $7,334,6372012Revenue 2013: $6,889,050Expenses 2013: $7,524,596Net Income 2013: -$635,5462013Revenue 2014: $7,007,702Expenses 2014: $6,855,985Net Income 2014: $151,7172014Revenue 2015: $6,992,520Expenses 2015: $6,970,239Net Income 2015: $22,2812015Revenue 2016: $7,099,001Expenses 2016: $6,994,773Net Income 2016: $104,2282016Revenue 2017: $7,787,765Expenses 2017: $7,277,180Net Income 2017: $510,5852017Revenue 2018: $7,298,012Expenses 2018: $7,730,530Net Income 2018: -$432,5182018Revenue 2019: $7,676,154Expenses 2019: $7,544,636Net Income 2019: $131,5182019Revenue 2020: $6,640,072Expenses 2020: $6,902,341Net Income 2020: -$262,2692020Revenue 2021: $6,516,857Expenses 2021: $6,430,629Net Income 2021: $86,2282021Revenue 2022: $7,227,495Expenses 2022: $6,642,384Net Income 2022: $585,1112022Revenue 2024: $8,736,250Expenses 2024: $7,700,507Net Income 2024: $1,035,7432024

Highlighted filing

2024

Revenue$8,736,250
Expenses$7,700,507
Net Income$1,035,743
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$145,966,644
Liabilities
$136,097,981
Net assets
$9,868,663
Revenue
$8,736,250
Expenses
$7,700,507
Net income
$1,035,743
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$146$136$9.87$8.74$7.70$1.04
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$155$147$8.00$7.23$6.64$0.59
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$153$144$9.28$6.52$6.43$0.09
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$140$131$9.65$6.64$6.90$0.26
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$123$114$9.66$7.68$7.54$0.13
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$123$114$9.35$7.30$7.73$0.43
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$127$117$9.89$7.79$7.28$0.51
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$128$119$9.43$7.10$6.99$0.10
2015Detailed filing. Detailed filing data is available for this year.$125$116$9.32$6.99$6.97$0.02
2014Detailed filing. Detailed filing data is available for this year.$121$112$9.32$7.01$6.86$0.15
2013Detailed filing. Detailed filing data is available for this year.$121$112$9.09$6.89$7.52$0.64
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$121$111$9.92$7.33
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$115$105$10.2$7.55
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 10, 2025
Return Version
2024v5.2
Gross Receipts
$8,736,250
Mission and Program Overview

Mission

Building our member's financial future through a full range of superior financial services, education, and exceptional value.

The ohio educational credit union is a full-service financial institution. Our goal is to recognize and understand the unique needs of our individual members and to fulfill those needs through a variety of diversified products and services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$97,892,225$99,673,112▲ $1,780,887
Investments in Publicly Traded Securities$30,166,553$26,636,902▼ $3,529,651
Rtn Earn Endowment Incm Other Fnds$8,689,091$9,868,663▲ $1,179,572
Savings and Temporary Cash Investments$8,811,037$8,165,902▼ $645,135
Investments Other Securities$2,732,960$3,482,960▲ $750,000
Cash and Non-Interest-Bearing Accounts$1,630,322$1,674,951▲ $44,629
Land, Buildings, and Equipment, Net$680,562$674,485▼ $6,077
Prepaid Expenses and Deferred Charges$516,862$522,693▲ $5,831
Accounts Receivable$392,700$386,951▼ $5,749
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$147,656,900$145,966,644▼ $1,690,256
Other Assets Total$4,833,679$4,748,688▼ $84,991
Liabilities
Other Liabilities$135,398,269$132,719,851▼ $2,678,418
Accounts Payable and Accrued Expenses$3,569,540$3,378,130▼ $191,410
Total Liabilities$138,967,809$136,097,981▼ $2,869,828
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,689,091$9,868,663▲ $1,179,572
Total Liabilities and Net Assets / Fund Balance$147,656,900$145,966,644▼ $1,690,256

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$299,209$1,717,272$2,016,481
Leasehold Improvements$375,276$478,244$853,520
Compensation and Service Providers
Top Officer Pay46th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jerome R ValcoCEOFT$181,098$46,698$227,796
Sarah L JankovicCFOFT$116,166$29,970$146,136
Anthony ToyChief Retail Services OffiFT$131,036$7,762$138,798
Mychael HendersonBoard SecretaryPT$750-$750

Board Members and Trustees

NameTitle
Tony H Smith SrBoard President
Jackson M BoydBoard Vice President
Mario DaneseBoard Treasurer
Mark BatesDirector
Melody PattersonDirector
Patrick J PolenDirector
Robert W DolanDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
PscuCredit & Debit Card Processing560 CARILLON PARKWAY, St Petersburg, FL 33716$465,838
Credit Union Leasing Of AmericaCu Auto Leasing Program Administrator9665 GRANITE RIDGE RD, San Diego, CA 92123$460,022
Fiserv INCCore Computer Processor ProviderPO BOX 745148, Atlanta, GA 30374$385,333
Starfish Computer CorpInformation Technology Consutling And Im24831 LORAIN ROAD, North Olmsted, OH 44070$322,102
Ncr CorporationOnline/mobile Banking ProviderPO BOX 740641, Los Angeles, CA 90074$274,683
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,341,329
Investment Income
$1,394,921
Other Revenue
$0
Change in Net Assets
$1,035,743

Audited Revenue Reconciliation

Revenue per Audited Statements
$8,736,250
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$8,736,250
Total Revenue per Form 990
$8,736,250
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,682,102
Salaries, Compensation, and Employee Benefits$3,018,405
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,830,874
Interest---$606,192
Occupancy---$550,235
Current Officers, Directors, Trustees, and Key Employees---$513,480
Other Employee Benefits---$414,408
Office Expenses---$319,134
Payroll Taxes---$182,901
Depreciation Depletion---$178,195
All Other Expenses---$128,470
Other Expenses---$90,694
Pension Plan Contributions---$76,742
Fees for Services Accounting---$74,424
Advertising---$49,256
Insurance---$43,106
Payments to Affiliates---$38,631
Travel---$15,097
Fees for Services Legal---$6,667
Conferences and Meetings---$5,985
Total Functional Expenses$0$0$0$7,700,507

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$7,700,507
Total Expenses per Audited Statements$7,700,507
Total Expenses per Form 990$7,700,507
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Regular Shares/club Accounts$71,069,548
Share Draft Accounts$33,925,910
Share and Ira Certificates$15,544,292
Money Market Accounts$10,968,856
Ira Accounts$1,211,245
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, Part VI, Section A, Line 1A

“The executive committee, which is a subset of the board of directors, has authority from the full board of directors to act on matters requiring prompt action or attention prior to the next scheduled meeting of the full board of directors.”

Form 990, Part VI, Section A, Line 6

“Any individual that has an account with the credit union is considered a member.”

Form 990, Part VI, Section A, Line 7A

“Each qualifying member is given one vote to elect one or more members of the governing body at the annual meeting. That is, an individual can have an account to meet the definition of a member; however, a member must be in "good standing" to qualify as a voting member. If a member's base share account has less than $5 or their loan is past due, then the member is not considered to be in good standing and does not meet the qualifications to have a vote.”

Form 990, Part VI, Section A, Line 7B

“Changes to the articles and/or bylaws of the credit union require approval of the membership.”

Form 990, Part VI, Section B, Line 11B

“The cfo reviews the draft form 990 as prepared by the cpa firm for accuracy. A copy of form 990 will be provided to the board of directors (governing body) prior to filing with the internal revenue service via the credit union's electronic boardroom site.”

Form 990, Part VI, Section B, Line 12C

“Annual conflict of interest questionnaires are completed by directors and key officers of the organization to identify any possible conflicts of interest. At the beginning of each monthly board of director meeting, directors are requested to disclose any conflicts of interest with the agenda items for that respective board meeting.”

Form 990, Part VI, Section B, Line 15

“Independent compensation survey data is obtained for each position. Board personnel committee uses this information in conjunction with job performance ratings to determine the compensation for the ceo. The ceo provides input for cfo and cro compensation.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents and conflict of interest policy are not made available to the public. Financial statements are made available to the public.”

Filing and Contact Details

Filer

Filer Name
The Ohio Educational Credit Union Inc
EIN
34-0153020
Phone
2166216296
Address
4141 ROCKSIDE ROAD SUITE 400, SEVEN HILLS, OH 44131

Signing Officer

Name
Sarah Jankovic
Title
CFO
Phone
2166216296
Signed
2025-11-10

Organization Details

Principal Officer
Jerome Valco
Formed
1933
Legal Domicile
Oh
Voting Board Members
8
Independent Board Members
8
Employees
53
Volunteers
8

Preparer

Firm
Doeren Mayhew
Address
8785 SW 165TH AVENUE SUITE 303, MIAMI, FL 33193
Preparer
Aubrey Clegg
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Training 57,920. Provision for loan losses 51,032. Debit and credit card expenses 19,518.”

FORM 990; PART XII, LINE 2C:

“We have a committee that assumes responsibility for the oversight of the audit of its financial statements and the selection of an independent accountant. Our process has not changed from the prior year.”

Financial Statement Notes

PART X, LINE 2:

“Income taxes the credit union is exempt from most federal, state and local income taxes under the provisions of the internal revenue code (irc) and state tax laws. However, irc section 511 imposes a tax on the unrelated business income derived by state-chartered credit unions. Generally, these taxes are insignificant to the credit union.”

Raw XML AppendixShowing 400 of 467 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.

Path#Value
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IRS990/AccountsReceivableGrp/EOYAmt0386951
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THE OHIO EDUCATIONAL CREDIT UNION IS A FULL-SERVICE FINANCIAL INSTITUTION. OUR GOAL IS TO RECOGNIZE AND UNDERSTAND THE UNIQUE NEEDS OF OUR INDIVIDUAL MEMBERS AND TO FULFILL THOSE NEEDS THROUGH A VARIETY OF DIVERSIFIED PRODUCTS AND SERVICES.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt836897
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt929970
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt107762
IRS990/Form990PartVIISectionAGrp/PersonNm0TONY H SMITH SR
IRS990/Form990PartVIISectionAGrp/PersonNm1JACKSON M BOYD
IRS990/Form990PartVIISectionAGrp/PersonNm2MARIO DANESE
IRS990/Form990PartVIISectionAGrp/PersonNm3MYCHAEL HENDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm4MARK BATES
IRS990/Form990PartVIISectionAGrp/PersonNm5ROBERT W DOLAN
IRS990/Form990PartVIISectionAGrp/PersonNm6MELODY PATTERSON
IRS990/Form990PartVIISectionAGrp/PersonNm7PATRICK J POLEN
IRS990/Form990PartVIISectionAGrp/PersonNm8JEROME R VALCO
IRS990/Form990PartVIISectionAGrp/PersonNm9SARAH L JANKOVIC
IRS990/Form990PartVIISectionAGrp/PersonNm10ANTHONY TOY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8190899
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9116166
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10131036
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF RETAIL SERVICES OFFI
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01933
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt07000
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt07000
IRS990/GrossReceiptsAmt08736250
IRS990/GroupExemptionNum01990
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/TotalAmt043106
IRS990/InterestGrp/TotalAmt0606192
IRS990/InvestmentIncomeGrp/ExclusionAmt01387921
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01387921
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt02732960
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt03482960
IRS990/InvestmentsPubTradedSecGrp/BOYAmt030166553
IRS990/InvestmentsPubTradedSecGrp/EOYAmt026636902
IRS990/IRPDocumentCnt02120
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02195516
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0680562
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0674485
IRS990/LandBldgEquipCostOrOtherBssAmt02870001
IRS990/LegalDomicileStateCd0OH
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0BUILDING OUR MEMBER'S FINANCIAL FUTURE THROUGH A FULL RANGE OF SUPERIOR FINANCIAL SERVICES, EDUCATION, AND EXCEPTIONAL VALUE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt08689091
IRS990/NetAssetsOrFundBalancesEOYAmt09868663
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt07000
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt07000
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0143829
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0550235
IRS990/OfficeExpensesGrp/TotalAmt0319134
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04833679
IRS990/OtherAssetsTotalGrp/EOYAmt04748688
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0414408
IRS990/OtherExpensesGrp/Desc0DATA PROCESSING
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2MAINTENANCE
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS
IRS990/OtherExpensesGrp/TotalAmt02116728
IRS990/OtherExpensesGrp/TotalAmt1341102
IRS990/OtherExpensesGrp/TotalAmt2118186
IRS990/OtherExpensesGrp/TotalAmt390694
IRS990/OtherLiabilitiesGrp/BOYAmt0135398269
IRS990/OtherLiabilitiesGrp/EOYAmt0132719851
IRS990/OtherSalariesAndWagesGrp/TotalAmt01830874
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt097892225
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt099673112
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt038631
IRS990/PayrollTaxesGrp/TotalAmt0182901
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt076742
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0516862
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0522693
IRS990/PrincipalOfficerNm0JEROME VALCO
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2520000
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FINANCE AND INSURANCE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05176349
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12144464
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05176349
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12144464
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt220516
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt020516
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDES MEMBERS WITH TRANSACTION SHARE ACCOUNT SERVICES, WHICH INCLUDES SHARE DRAFT CHECKING, SHARE SAVINGS AND MONEY MARKET SHARE ACCOUNTS. TRANSACTION SHARE ACCOUNT PRODUCTS ENABLE MEMBERS TO CONDUCT THEIR DAY TO DAY FINANCIAL NEEDS WITH CONVENIENT SERVICES OF CASH, DIRECT DEPOSIT, CHECKS, ATMS, DEBIT CARDS, ACH, AUDIO RESPONSE, MOBILE AND ONLINE BANKING WITH BILL PAYMENT.
IRS990/ProgSrvcAccomActy3Grp/Desc0THE CREDIT UNION PROVIDES TERM SAVINGS PRODUCTS TO ITS MEMBERS, WHICH INCLUDES IRA AND SHARE CERTIFICATES. CERTIFICATE TERMS RANGE FROM THREE MONTHS TO FIVE YEARS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01040241
IRS990/PYOtherExpensesAmt04393472
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt07243880
IRS990/PYRevenuesLessExpensesAmt0969702
IRS990/PYSalariesCompEmpBnftPaidAmt02920947
IRS990/PYTotalExpensesAmt07314419
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08284121
IRS990/ReconcilationRevenueExpnssAmt01035743
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08689091
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09868663
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08811037
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08165902
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0299209
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01717272
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02016481
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt07700507
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0375276
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0478244
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0853520
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt071069548
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt110968856
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt233925910
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31211245
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt415544292
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES/CLUB ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MONEY MARKET ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4SHARE AND IRA CERTIFICATES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt08736250
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0INCOME TAXES THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0674485
IRS990ScheduleD/TotalExpensesPerForm990Amt07700507
IRS990ScheduleD/TotalLiabilityAmt0132719851
IRS990ScheduleD/TotalRevenuePerForm990Amt08736250
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt08736250
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt07700507
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0181098
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt09550
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt027347
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt09801
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JEROME R VALCO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0227796
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE EXECUTIVE COMMITTEE, WHICH IS A SUBSET OF THE BOARD OF DIRECTORS, HAS AUTHORITY FROM THE FULL BOARD OF DIRECTORS TO ACT ON MATTERS REQUIRING PROMPT ACTION OR ATTENTION PRIOR TO THE NEXT SCHEDULED MEETING OF THE FULL BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ANY INDIVIDUAL THAT HAS AN ACCOUNT WITH THE CREDIT UNION IS CONSIDERED A MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EACH QUALIFYING MEMBER IS GIVEN ONE VOTE TO ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY AT THE ANNUAL MEETING. THAT IS, AN INDIVIDUAL CAN HAVE AN ACCOUNT TO MEET THE DEFINITION OF A MEMBER; HOWEVER, A MEMBER MUST BE IN "GOOD STANDING" TO QUALIFY AS A VOTING MEMBER. IF A MEMBER'S BASE SHARE ACCOUNT HAS LESS THAN $5 OR THEIR LOAN IS PAST DUE, THEN THE MEMBER IS NOT CONSIDERED TO BE IN GOOD STANDING AND DOES NOT MEET THE QUALIFICATIONS TO HAVE A VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CHANGES TO THE ARTICLES AND/OR BYLAWS OF THE CREDIT UNION REQUIRE APPROVAL OF THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CFO REVIEWS THE DRAFT FORM 990 AS PREPARED BY THE CPA FIRM FOR ACCURACY. A COPY OF FORM 990 WILL BE PROVIDED TO THE BOARD OF DIRECTORS (GOVERNING BODY) PRIOR TO FILING WITH THE INTERNAL REVENUE SERVICE VIA THE CREDIT UNION'S ELECTRONIC BOARDROOM SITE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ANNUAL CONFLICT OF INTEREST QUESTIONNAIRES ARE COMPLETED BY DIRECTORS AND KEY OFFICERS OF THE ORGANIZATION TO IDENTIFY ANY POSSIBLE CONFLICTS OF INTEREST. AT THE BEGINNING OF EACH MONTHLY BOARD OF DIRECTOR MEETING, DIRECTORS ARE REQUESTED TO DISCLOSE ANY CONFLICTS OF INTEREST WITH THE AGENDA ITEMS FOR THAT RESPECTIVE BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6INDEPENDENT COMPENSATION SURVEY DATA IS OBTAINED FOR EACH POSITION. BOARD PERSONNEL COMMITTEE USES THIS INFORMATION IN CONJUNCTION WITH JOB PERFORMANCE RATINGS TO DETERMINE THE COMPENSATION FOR THE CEO. THE CEO PROVIDES INPUT FOR CFO AND CRO COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE CREDIT UNION'S GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE NOT MADE AVAILABLE TO THE PUBLIC. FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8TRAINING 57,920. PROVISION FOR LOAN LOSSES 51,032. DEBIT AND CREDIT CARD EXPENSES 19,518.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9WE HAVE A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT ACCOUNTANT. OUR PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 1A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART IX, LINE 24E
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990; PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00

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