Civic Intelligence

Ohio Teamsters Credit Union Inc

990 • Fiscal year 2015 • EIN 34-0681819

Jan 01, 2015 to Dec 31, 2015 • Filed on Apr 21, 2016

Organization ProfileWWW.OHIOTEAMSTERSCU.COM
6100 Rockside Woods DrIndependence, OH 44131

(216) 573-6700

Siviq Scores

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

Liabilities / Assets

14th percentile

0.73x

Higher debt load relative to assets than 14% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

19th percentile

13.11x

Higher debt load relative to revenue than 19% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

52nd percentile

7.1%

Higher net margin than 52% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

13th percentile

$2,500

Higher top officer pay than 13% of similar nonprofits.

Top officer pay equals 0.3% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

3rd percentile

-5.6%

Faster asset growth than 3% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

3rd percentile

-15%

Faster revenue growth than 3% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets14th percentile

Assets

Down

$13,689,518

Down $816,477 (-5.6%) from 2014

Net Assets

Up

$3,687,541

Up $52,413 (+1.4%) from 2014

Liabilities

Down

$10,001,977

Down $868,890 (-8.0%) from 2014

Revenue And Expenses
Liabilities / Revenue19th percentileNet Margin52nd percentile

Revenue

Down

$762,900

Down $135,988 (-15%) from 2014

Expenses

Down

$709,000

Down $685,094 (-49%) from 2014

Net Income

Up

$53,900

Up $549,106 (+111%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth3rd percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $17,033,451Liabilities 2010: $12,015,971Net Assets 2010: $5,017,4802010Assets 2011: $16,910,253Liabilities 2011: $11,981,087Net Assets 2011: $4,929,1662011Assets 2012: $17,621,381Liabilities 2012: $12,749,958Net Assets 2012: $4,871,4232012Assets 2013: $15,959,330Liabilities 2013: $11,828,996Net Assets 2013: $4,130,3342013Assets 2014: $14,505,995Liabilities 2014: $10,870,867Net Assets 2014: $3,635,1282014Assets 2015: $13,689,518Liabilities 2015: $10,001,977Net Assets 2015: $3,687,5412015Assets 2016: $13,375,275Liabilities 2016: $9,671,887Net Assets 2016: $3,703,3882016Assets 2017: $13,297,622Liabilities 2017: $9,561,693Net Assets 2017: $3,735,9292017Assets 2018: $13,114,762Liabilities 2018: $9,259,625Net Assets 2018: $3,855,1372018Assets 2019: $13,567,567Liabilities 2019: $9,618,155Net Assets 2019: $3,949,4122019Assets 2020: $16,062,902Liabilities 2020: $12,062,948Net Assets 2020: $3,999,9542020Assets 2021: $16,891,603Liabilities 2021: $12,808,500Net Assets 2021: $4,083,1032021Assets 2022: $16,609,084Liabilities 2022: $12,466,562Net Assets 2022: $4,142,5222022Assets 2023: $15,759,265Liabilities 2023: $11,467,151Net Assets 2023: $4,292,1142023Assets 2024: $16,874,775Liabilities 2024: $12,490,428Net Assets 2024: $4,384,3472024

Highlighted filing

2015

Assets$13,689,518
Liabilities$10,001,977
Net Assets$3,687,541
Open 2015 Filing

Operations Trend

Revenue Growth3rd percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,032,1722010Expenses 2011: $1,225,2322011Expenses 2012: $1,082,6642012Revenue 2013: $1,051,989Expenses 2013: $1,286,568Net Income 2013: -$234,5792013Revenue 2014: $898,888Expenses 2014: $1,394,094Net Income 2014: -$495,2062014Revenue 2015: $762,900Expenses 2015: $709,000Net Income 2015: $53,9002015Revenue 2016: $683,398Expenses 2016: $667,551Net Income 2016: $15,8472016Revenue 2017: $704,198Expenses 2017: $671,657Net Income 2017: $32,5412017Revenue 2018: $756,060Expenses 2018: $636,852Net Income 2018: $119,2082018Revenue 2019: $757,053Expenses 2019: $662,778Net Income 2019: $94,2752019Revenue 2020: $710,568Expenses 2020: $660,026Net Income 2020: $50,5422020Revenue 2021: $731,469Expenses 2021: $648,320Net Income 2021: $83,1492021Revenue 2022: $770,808Expenses 2022: $711,389Net Income 2022: $59,4192022Revenue 2023: $897,899Expenses 2023: $748,307Net Income 2023: $149,5922023Revenue 2024: $928,835Expenses 2024: $836,602Net Income 2024: $92,2332024

Highlighted filing

2015

Revenue$762,900
Expenses$709,000
Net Income$53,900
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 21, 2016
Return Version
2015v2.1
Gross Receipts
$762,900
Mission and Program Overview

Mission

To provide lending, savings & other financial services to its qualifying members at terms generally better than available in the marketplace & with a service-based emphasis that recognizes the members status as owners

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,060,208$6,337,717▼ $1,722,491
Investments Other Securities$3,956,134$3,963,656▲ $7,522
Rtn Earn Endowment Incm Other Fnds$3,635,128$3,687,541▲ $52,413
Savings and Temporary Cash Investments$1,843,114$2,750,475▲ $907,361
Investments Program Related$278,854$278,854→ $0
Cash and Non-Interest-Bearing Accounts$157,663$168,473▲ $10,810
Receivables From Officers Etc$29,041$29,761▲ $720
Land, Buildings, and Equipment, Net$26,851$21,980▼ $4,871
Total Assets$14,505,995$13,689,518▼ $816,477
Other Assets Total$154,130$138,602▼ $15,528
Liabilities
Other Liabilities$10,827,355$9,983,678▼ $843,677
Unsecured Notes Loans Payable$24,201--
Accounts Payable and Accrued Expenses$19,311$18,299▼ $1,012
Total Liabilities$10,870,867$10,001,977▼ $868,890
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,635,128$3,687,541▲ $52,413
Total Liabilities and Net Assets / Fund Balance$14,505,995$13,689,518▼ $816,477

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$21,980$473,213$495,193
Leasehold Improvements-$2,970$2,970
Investment Program Related Org$278,854--
Other Securities$3,963,656--
Compensation and Service Providers
Top Officer Pay13th percentile

Employees

NameTitleFull / Part TimeBaseTotal
E Bruce Osborne JrDirectorPT$2,500$2,500

Board Members and Trustees

NameTitle
Anthony SaraDirector
Charles Cimino JrDirector
Dennis KashiDirector
Edward N ThomasDirector
James HolleyDirector
Max ZemlaDirector
Paul LabudaDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$714,958
Investment Income
$47,942
Other Revenue
$0
Change in Net Assets
$53,900

Audited Revenue Reconciliation

Revenue per Audited Statements
$762,900
Total Revenue per Audited Statements
$762,900
Total Revenue per Form 990
$762,900
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$426,462
Salaries, Compensation, and Employee Benefits$256,523
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$256,523
Occupancy---$56,661
Information Technology---$54,846
Office Expenses---$49,873
Fees for Services Other---$29,350
Benefits to Members---$26,015
Fees for Services Legal---$18,405
Insurance---$14,419
Fees for Services Accounting---$10,200
Conferences and Meetings---$6,122
Fees for Services Management---$2,500
Other Expenses$733--$733
Interest---$102
Total Functional Expenses$0$0$0$709,000

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$710,487
Expenses per Audited Statements$709,000
Total Expenses per Form 990$709,000
Expenses Not Reported on Form 990$1,487
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$29,041$29,761▲ $720
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposits$9,983,678
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
Backup withholding compliance
Yes
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
No
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 5800 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

“Board of directors appoints a nominating committee. This committee nominates candidates for open positions. The membership votes at the annual meeting with the right to nominate their own candidate at the meeting.”

Governing body decisions Part VI line 7B

“Most changes are voted on by the board of directors. If the membership must decide, a vote is presented and 1/3 of the membership must be present/vote.”

Form 990 governing body review Part VI line 11

“Copy of 990 presented at monthly board meeting.”

Conflict of interest policy compliance Part VI line 12C

“Sign statement at annual meeting and take oath of office.”

CEO executive director top management comp Part VI line 15A

“Board of directors and ceo enter into contract negotiations, contract is then reviewed by an attorney.”

Governing documents etc available to public Part VI line 19

“The credit unions policy manual is available at members request.”

Filing and Contact Details

Filer

Filer Name
Ohio Teamsters Credit Union
EIN
34-0681819
Address
6100 ROCKSIDE WOODS DR, INDEPENDENCE, OH 44131

Signing Officer

Name
E Bruce Osborne Jr
Title
Director
Phone
2165736700
Signed
2016-04-21
Discuss with paid preparer
Yes

Organization Details

Formed
1940
Legal Domicile
Oh
Voting Board Members
8
Independent Board Members
8
Employees
11
Volunteers
8

Preparer

Firm
CBS Certified Public Accountants
Address
34305 Solon Road 10, Solon, OH 44139
Preparer
Ronald Schmidt
Phone
4405421536
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“Expense accrual adjustment $1487”

Financial Statement Notes

Other expenses not included on Form 990 (Part XII, line 2D)

“Expense accrual adjustment $1487”

Raw XML Appendix394 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt019311
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt018299
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO PROVIDE LENDING, SAVINGS & OTHER FINANCIAL SERVICES TO ITS QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THAN AVAILABLE IN THE MARKETPLACE & WITH A SERVICE-BASED EMPHASIS THAT RECOGNIZES THE MEMBERS STATUS AS OWNERS
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0false
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt026015
IRS990/BooksInCareOfDetail/PersonNm0ANDREW MCGREY
IRS990/BooksInCareOfDetail/PhoneNum02165736700
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt06100 ROCKSIDE WOODS DR
IRS990/BooksInCareOfDetail/USAddress/CityNm0INDEPENDENCE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0OH
IRS990/BooksInCareOfDetail/USAddress/ZIPCd044131
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0157663
IRS990/CashNonInterestBearingGrp/EOYAmt0168473
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt06122
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt026015
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt047942
IRS990/CYOtherExpensesAmt0426462
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0714958
IRS990/CYRevenuesLessExpensesAmt053900
IRS990/CYSalariesCompEmpBnftPaidAmt0256523
IRS990/CYTotalExpensesAmt0709000
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0762900
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0DIRECT LABOR AND EMPLOYEE BENEFIT COSTS INCURRED PROVIDING SAVINGS DEPOSIT SERVICES, ORIGINATING NEW LOANS AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt011
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt0256523
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt010200
IRS990/FeesForServicesLegalGrp/TotalAmt018405
IRS990/FeesForServicesManagementGrp/TotalAmt02500
IRS990/FeesForServicesOtherGrp/TotalAmt029350
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt210.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0CHARLES CIMINO JR
IRS990/Form990PartVIISectionAGrp/PersonNm1PAUL LABUDA
IRS990/Form990PartVIISectionAGrp/PersonNm2E BRUCE OSBORNE JR
IRS990/Form990PartVIISectionAGrp/PersonNm3ANTHONY SARA
IRS990/Form990PartVIISectionAGrp/PersonNm4EDWARD N THOMAS
IRS990/Form990PartVIISectionAGrp/PersonNm5MAX ZEMLA
IRS990/Form990PartVIISectionAGrp/PersonNm6DENNIS KASHI
IRS990/Form990PartVIISectionAGrp/PersonNm7JAMES HOLLEY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
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/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01940
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0762900
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt054846
IRS990/InsuranceGrp/TotalAmt014419
IRS990/InterestGrp/TotalAmt0102
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt047942
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt047942
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt03956134
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt03963656
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0278854
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0278854
IRS990/IRPDocumentCnt0278
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0476183
IRS990/LandBldgEquipBasisNetGrp/BOYAmt026851
IRS990/LandBldgEquipBasisNetGrp/EOYAmt021980
IRS990/LandBldgEquipCostOrOtherBssAmt0498163
IRS990/LegalDomicileStateCd0OH
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROVIDE LENDING, SAVINGS & OTHER FINANCIAL SERVICES TO ITS QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THAN AVAILABLE IN THE MARKETPLACE & WITH A SERVICE-BASED EMPHASIS THAT RECOGNIZES THE MEMBERS STATUS AS OWNERS
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03635128
IRS990/NetAssetsOrFundBalancesEOYAmt03687541
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt056661
IRS990/OfficeExpensesGrp/TotalAmt049873
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0154130
IRS990/OtherAssetsTotalGrp/EOYAmt0138602
IRS990/OtherChangesInNetAssetsAmt0-1487
IRS990/OtherExpensesGrp/Desc0MISC OPERATING
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2EDUCATION & PROMOTION
IRS990/OtherExpensesGrp/ProgramServicesAmt0140115
IRS990/OtherExpensesGrp/ProgramServicesAmt143136
IRS990/OtherExpensesGrp/ProgramServicesAmt2733
IRS990/OtherExpensesGrp/TotalAmt0140115
IRS990/OtherExpensesGrp/TotalAmt143136
IRS990/OtherExpensesGrp/TotalAmt2733
IRS990/OtherLiabilitiesGrp/BOYAmt010827355
IRS990/OtherLiabilitiesGrp/EOYAmt09983678
IRS990/OtherOrganizationDsc0CU
IRS990/OtherSalariesAndWagesGrp/TotalAmt0256523
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt08060208
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt06337717
IRS990/PartialLiquidationInd0false
IRS990/PoliticalCampaignActyInd0false
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0472159
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1232392
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt210407
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0472159
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1232392
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt210407
IRS990/ProgSrvcAccomActy2Grp/Desc0DATA 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/ProgSrvcAccomActy2Grp/ExpenseAmt054846
IRS990/ProgSrvcAccomActy3Grp/Desc0DIVIDENDS AND INTEREST PAID TO MEMBERS ON APPROXIMATELY 7100 DEPOSIT ACCOUNTS HELD BY APPROXIMATELY 5800 MEMBERS
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt026015
IRS990/ProgSrvcAccomActyOtherGrp/Desc0OTHER PROGRAM SERVICE EXPENSES
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt031733
IRS990/PYInvestmentIncomeAmt037408
IRS990/PYOtherExpensesAmt0778853
IRS990/PYProgramServiceRevenueAmt0861480
IRS990/PYRevenuesLessExpensesAmt0-495206
IRS990/PYSalariesCompEmpBnftPaidAmt0583508
IRS990/PYTotalExpensesAmt01394094
IRS990/PYTotalRevenueAmt0898888
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt029041
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt029761
IRS990/ReconcilationRevenueExpnssAmt053900
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03635128
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03687541
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01843114
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02750475
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt021980
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0473213
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0495193
IRS990ScheduleD/ExpensesNotReportedAmt01487
IRS990ScheduleD/ExpensesSubtotalAmt0709000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0278854
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0MEMBER CAPITAL DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt02970
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt02970
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt09983678
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES AND DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt03963656
IRS990ScheduleD/OtherSecuritiesGrp/Desc0DEPOSITS IN COMMERCIAL BANKSCDS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/PriorYearAdjustmentsAmt01487
IRS990ScheduleD/RevenueSubtotalAmt0762900
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0EXPENSE ACCRUAL ADJUSTMENT $1487
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Other expenses not included on Form 990 (Part XII, line 2d)
IRS990ScheduleD/TotalBookValueLandBuildingsAmt021980
IRS990ScheduleD/TotalBookValueProgramRltdAmt0278854
IRS990ScheduleD/TotalBookValueSecuritiesAmt03963656
IRS990ScheduleD/TotalExpensesPerForm990Amt0709000
IRS990ScheduleD/TotalLiabilityAmt09983678
IRS990ScheduleD/TotalRevenuePerForm990Amt0762900
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0762900
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0710487
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt08718
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt112766
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt28277
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0PERSONAL LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2PERSONAL LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt019084
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt116523
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt28500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0MICHAEL ZEMLA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1MICHAEL ZEMLA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2EDWARD THOMAS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/TotalBalanceDueAmt029761
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF APPROXIMATELY 5800 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/ExplanationTxt1BOARD OF DIRECTORS APPOINTS A NOMINATING COMMITTEE. THIS COMMITTEE NOMINATES CANDIDATES FOR OPEN POSITIONS. THE MEMBERSHIP VOTES AT THE ANNUAL MEETING WITH THE RIGHT TO NOMINATE THEIR OWN CANDIDATE AT THE MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MOST CHANGES ARE VOTED ON BY THE BOARD OF DIRECTORS. IF THE MEMBERSHIP MUST DECIDE, A VOTE IS PRESENTED AND 1/3 OF THE MEMBERSHIP MUST BE PRESENT/VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COPY OF 990 PRESENTED AT MONTHLY BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SIGN STATEMENT AT ANNUAL MEETING AND TAKE OATH OF OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BOARD OF DIRECTORS AND CEO ENTER INTO CONTRACT NEGOTIATIONS, CONTRACT IS THEN REVIEWED BY AN ATTORNEY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNIONS POLICY MANUAL IS AVAILABLE AT MEMBERS REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7EXPENSE ACCRUAL ADJUSTMENT $1487
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Explanation of other changes in net assets or fund balances Part XI line 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt014505995
IRS990/TotalAssetsEOYAmt013689518
IRS990/TotalAssetsGrp/BOYAmt014505995
IRS990/TotalAssetsGrp/EOYAmt013689518
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0709000
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010870867
IRS990/TotalLiabilitiesEOYAmt010001977
IRS990/TotalLiabilitiesGrp/BOYAmt010870867
IRS990/TotalLiabilitiesGrp/EOYAmt010001977
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03635128
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03687541
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0337384
IRS990/TotalProgramServiceRevenueAmt0714958
IRS990/TotalReportableCompFromOrgAmt02500
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0762900
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0762900
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt014505995
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt013689518
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt024201
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.OHIOTEAMSTERSCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0E BRUCE OSBORNE JR
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum02165736700
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-04-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0OHIO TEAMSTERS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0OHIO
ReturnHeader/Filer/EIN0340681819
ReturnHeader/Filer/USAddress/AddressLine1Txt06100 ROCKSIDE WOODS DR
ReturnHeader/Filer/USAddress/CityNm0INDEPENDENCE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd044131
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0205124788
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CBS Certified Public Accountants
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt034305 Solon Road 10
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Solon
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd044139
ReturnHeader/PreparerPersonGrp/PhoneNum04405421536
ReturnHeader/PreparerPersonGrp/PreparationDt02016-05-03
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Ronald Schmidt
ReturnHeader/ReturnTs02016-05-03T12:03:20-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$13,689,518
Liabilities
$10,001,977
Net assets
$3,687,541
Revenue
$762,900
Expenses
$709,000
Net income
$53,900
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$16.9$12.5$4.38$0.93$0.84$0.09
2023Detailed filing. Detailed filing data is available for this year.$15.8$11.5$4.29$0.90$0.75$0.15
2022Detailed filing. Detailed filing data is available for this year.$16.6$12.5$4.14$0.77$0.71$0.06
2021Detailed filing. Detailed filing data is available for this year.$16.9$12.8$4.08$0.73$0.65$0.08
2020Detailed filing. Detailed filing data is available for this year.$16.1$12.1$4.00$0.71$0.66$0.05
2019Detailed filing. Detailed filing data is available for this year.$13.6$9.62$3.95$0.76$0.66$0.09
2018Detailed filing. Detailed filing data is available for this year.$13.1$9.26$3.86$0.76$0.64$0.12
2017Detailed filing. Detailed filing data is available for this year.$13.3$9.56$3.74$0.70$0.67$0.03
2016Detailed filing. Detailed filing data is available for this year.$13.4$9.67$3.70$0.68$0.67$0.02
2015Detailed filing. Detailed filing data is available for this year.$13.7$10.0$3.69$0.76$0.71$0.05
2014Detailed filing. Detailed filing data is available for this year.$14.5$10.9$3.64$0.90$1.39$0.50
2013Detailed filing. Detailed filing data is available for this year.$16.0$11.8$4.13$1.05$1.29$0.23
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.6$12.7$4.87$1.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.9$12.0$4.93$1.23
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.0$12.0$5.02$1.03