Liabilities / Assets
60th percentile
Higher debt load relative to assets than 60% of similar nonprofits.
State Chartered Credit Union Inc Ohio 27 Buckeye State Credit Union
990 • Fiscal year 2013 • EIN 34-0746485
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.90x
Liabilities / Revenue
35th percentile
Higher debt load relative to revenue than 35% of similar nonprofits.
Net Margin
14th percentile
Higher net margin than 14% of similar nonprofits.
Top Officer Pay
66th percentile
Higher top officer pay than 66% of similar nonprofits.
Top officer pay equals 3.2% of source-year revenue.
Asset Growth
62nd percentile
Faster asset growth than 62% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
Up$84,771,364
Up $2,501,307 (+3.0%) from 2012
Net Assets
Up$8,359,478
Up $16,492 (+0.2%) from 2012
Liabilities
Up$76,411,886
Up $2,484,815 (+3.4%) from 2012
Revenue And Expenses
Revenue
$4,550,304
No earlier filing loaded for comparison.
Expenses
Down$4,533,812
Down $263,138 (-5.5%) from 2012
Net Income
$16,492
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Nov 12, 2014
- Return Version
- 2013v3.1
- Gross Receipts
- $4,648,813
Mission and Program Overview
Mission
See schedule o. To encourage savings and making loans at competitively low interest rates. The credit union strives to provide the highest level of personal service in a courteous and professional manner and to treat all individuals fairly and with dignity. The credit union holds safety and soundness of the organization to be of high importance, pledges to safeguard the assets, places a high importance on consumer education and looks for better ways to reach out to the under-served in the membership field. In addition, the credit union promises to communicate its services to its members in a meaningful way so that they will understand and appreciate the unique roll that it plays in their lives. Finally, the credit union pledges to preserve and protect the privacy and confidentiality of all member financial records and transactions and to provide the members with complete and accurate information concerning their rights as savers and borrowers.
The credit union is a member-owned not-for-profit financial cooperative formed for the purpose of encouraging savings and making loans at competitively low interest rates. The credit union strives to provide the highest level of personal service in a courteous and professional manner and to treat all individuals fairly and with dignity. The credit union holds safety and soundness of the Organization to be of high importance, pledges to safeguard the assets, places a high importance on consumer education and looks for better ways to reach out to the under-served in the membership field. In addition, the credit union promises to communicate its services to its members in a meaningful way so that they will understand and appreciate the unique roll that it plays in their lives. Finally, the credit union pledges to preserve and protect the privacy and confidentiality of all member financial records and transactions and to provide the members with complete and accurate information concerning
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Savings and Temporary Cash Investments | $38,919,624 | $40,115,354 | ▲ $1,195,730 |
| Accounts Receivable | $39,329,352 | $39,590,519 | ▲ $261,167 |
| Cap Stk Tr Prin Current Funds | $8,342,986 | $8,359,478 | ▲ $16,492 |
| Land, Buildings, and Equipment, Net | $2,247,006 | $3,799,258 | ▲ $1,552,252 |
| Prepaid Expenses and Deferred Charges | $174,483 | $121,670 | ▼ $52,813 |
| Cash and Non-Interest-Bearing Accounts | - | $0 | - |
| Other Notes and Loans Receivable, Net | - | $0 | - |
| Pledges and Grants Receivable | - | $0 | - |
| Receivable From Disqualified Prsn | - | $0 | - |
| Receivables From Officers Etc | - | $0 | - |
| Investments Other Securities | - | $0 | - |
| Investments Program Related | - | $0 | - |
| Investments in Publicly Traded Securities | - | $0 | - |
| Intangible Assets | - | $0 | - |
| Inventories for Sale or Use | - | $0 | - |
| Total Assets | $82,270,057 | $84,771,364 | ▲ $2,501,307 |
| Other Assets Total | $1,599,592 | $1,144,563 | ▼ $455,029 |
| Liabilities | |||
| Other Liabilities | $73,699,263 | $76,237,522 | ▲ $2,538,259 |
| Accounts Payable and Accrued Expenses | $227,808 | $174,364 | ▼ $53,444 |
| Total Liabilities | $73,927,071 | $76,411,886 | ▲ $2,484,815 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $8,342,986 | $8,359,478 | ▲ $16,492 |
| Total Liabilities and Net Assets / Fund Balance | $82,270,057 | $84,771,364 | ▲ $2,501,307 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,875,229 | $1,225,247 | $3,100,476 |
| Other Land Buildings | $886,919 | $556,931 | $1,443,850 |
| Leasehold Improvements | $735,266 | $445,544 | $1,180,810 |
| Land | $301,844 | - | $301,844 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Norma Sue Preston | CEO | FT | $138,831 | $7,780 | $146,611 |
Board Members and Trustees
| Name | Title |
|---|---|
| James E Toles | President |
| David Nero | Vice President |
| Ed Williams | Director |
| Glenn LaRue | Director |
| Jim Hartman | Director |
| John Weaver | Director |
| Monica Whitmyer | Director |
| Robert Lariccia | Director |
| Bonny Dominquez | Secretary |
| John Nelson | Treasurer |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Share One | Information Systems | - | $466,885 |
| Elan | ATM Processor | - | $409,407 |
| Cose | Health Insurance | - | $345,371 |
| RC Olmstead Inc | Data Processor | - | $264,495 |
| SRK Fairground Associates | Rent | - | $151,530 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $4,153,144
- Investment Income
- $203,177
- Other Revenue
- $193,983
- Change in Net Assets
- $16,492
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $4,550,304
- Total Revenue per Audited Statements
- $4,550,304
- Total Revenue per Form 990
- $4,550,304
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $2,486,597 |
| Salaries, Compensation, and Employee Benefits | $2,047,215 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,457,310 |
| Occupancy | - | - | - | $506,731 |
| Other Employee Benefits | - | - | - | $267,718 |
| Payroll Taxes | - | - | - | $175,576 |
| Depreciation Depletion | - | - | - | $167,418 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $146,611 |
| Fees for Services Other | - | - | - | $135,843 |
| Interest | - | - | - | $80,973 |
| Insurance | - | - | - | $50,624 |
| Other Expenses | - | - | - | $35,000 |
| Advertising | - | - | - | $30,004 |
| Travel | - | - | - | $27,887 |
| All Other Expenses | - | - | - | $-73,256 |
| Total Functional Expenses | $0 | $0 | $0 | $4,533,812 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $4,533,812 |
| Total Expenses per Audited Statements | $4,533,812 |
| Total Expenses per Form 990 | $4,533,812 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Lobbying activity
- No
- Subject to proxy tax
- No
Insider Transactions and Loans
Loans and Receivables
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Disqualified Persons | - | $0 | - |
| Receivables from Officers, Directors, Trustees, and Key Employees | - | $0 | - |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Members' Shares / Deposits Accounts | $76,237,522 |
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 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
- No
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
“Members have ownership with their share accounts.”
Form 990, Part VI, Line 11B: Form 990 Review Process
“The CEO and the Internal Auditor review the 990 after the CPA has prepared the tax return. The accounting staff provide information needed to prepare the tax return”
Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts
“The policy is reviewed annually in September along with all of their other policies. General monitoring is done by the CEO, the President of the Board of Directors, and the Internal Auditor.”
Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management
“The Credit Union's Strategic Plan results are used by the Compensation Committee and the Board of Directors to decide the CEO compensation. The Compensation Committee makes a recommendation and it is then submitted to the Board of Directors for approval. The Assistant CEO's salary is then reviewed by the CEO, based on the Board and Compensation Committee's decision. All other management salaries are considered and based on a written review.”
Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
“The Organization makes all financial documents available to the public upon request.”
Filing and Contact Details
Filer
- EIN
- 34-0746485
- Phone
- 3302539197
Signing Officer
- Name
- Norma Sue Preston
- Title
- CEO
- Signed
- 2014-11-12
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Norma Sue Preston
- Formed
- 1933
- Legal Domicile
- Oh
- Voting Board Members
- 10
- Independent Board Members
- 10
- Employees
- 68
- Volunteers
- 10
Preparer
- Preparer
- Doreen M Smith CPA
- Phone
- 3304771075
Supplemental Narrative
Financial Statement Notes
Part X : FIN48 Footnote
“Effective January 1, 2009, generally accepted accounting principles require the organization to evaluate the level of uncertainty related to whether tax positions taken will be sustained upon examination. Any positions taken that do not meet the more-likely-than-not threshold must be quantified and recorded as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination. Interest and penalties associated with unrecognized tax benefits would be classified as additional income taxes in the statement of income. The organization believes that none of the tax positions taken would materially impact the financial statements and no such liabilities have been recorded.”
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| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City | 1 | Cleveland |
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| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City | 4 | Memphis |
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| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State | 4 | TN |
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| IRS990/Desc | 0 | Member Loans - The Credit Union strives to provide its members with financial flexibility and encourage savings with various types of loans in the following categories: Automobile loans, Mortgage loans, Share-secured loans, Equity line loans, Unsecured loans, Participation loans, and other various types. As of year end, the Credit Union had approximately 5,000 loans outstanding. |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Robert Lariccia |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Glenn LaRue |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Norma Sue Preston |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | CEO |
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| IRS990/FormationYr | 0 | 1933 |
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| IRS990/LegalDomicileStateCd | 0 | OH |
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| IRS990/MissionDesc | 0 | The credit union is a member-owned not-for-profit financial cooperative formed for the purpose of encouraging savings and making loans at competitively low interest rates. The credit union strives to provide the highest level of personal service in a courteous and professional manner and to treat all individuals fairly and with dignity. The credit union holds safety and soundness of the Organization to be of high importance, pledges to safeguard the assets, places a high importance on consumer education and looks for better ways to reach out to the under-served in the membership field. In addition, the credit union promises to communicate its services to its members in a meaningful way so that they will understand and appreciate the unique roll that it plays in their lives. Finally, the credit union pledges to preserve and protect the privacy and confidentiality of all member financial records and transactions and to provide the members with complete and accurate information concerning |
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| IRS990/Organization501cInd | 0 | X |
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| IRS990/OtherExpensesGrp/Desc | 0 | Data Processing |
| IRS990/OtherExpensesGrp/Desc | 1 | Loan Servicing |
| IRS990/OtherExpensesGrp/Desc | 2 | Office Operations |
| IRS990/OtherExpensesGrp/Desc | 3 | Member Insurance |
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| IRS990/OtherExpensesGrp/TotalAmt | 3 | 35000 |
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| IRS990/OtherRevenueMiscGrp/Desc | 0 | Insurance |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | Miscellaneous Income |
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| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 121670 |
| IRS990/PrincipalOfficerNm | 0 | Norma Sue Preston |
| IRS990/ProfessionalFundraisingInd | 0 | false |
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| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 525990 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Credit Card Interchange |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fees and Charges |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Member Loans-Interest |
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| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1233018 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 2122121 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 119134 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Depository Accounts - The Credit Union strives to provide its members with financial flexibility and encourage savings with various types of depository accounts. The Credit Union currently offers depository accounts in varieties such as draft accounts, checking accounts, savings accounts, certificate of deposit accounts, individual retirement accounts, and other various types. As of the year end, the there were approximately 30,000 depository accounts held at the Credit Union.The Credit Union also provides its members with the allowance of a debit card. This logged a total of over 150,000 transactions during the year.Member services, including Internet banking and bill pay provide members with the fastest and safest ways of transacting business. Includes overdraft protection to assist members with services to avoid unwanted fees. |
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| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 243625 |
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| IRS990/PYOtherRevenueAmt | 0 | 182734 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 4488365 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 117774 |
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| IRS990/ReconcilationRevenueExpnssAmt | 0 | 16492 |
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| IRS990/ScheduleBRequiredInd | 0 | false |
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| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1443850 |
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| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Members' Shares / Deposits Accounts |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 4550304 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | Effective January 1, 2009, generally accepted accounting principles require the organization to evaluate the level of uncertainty related to whether tax positions taken will be sustained upon examination. Any positions taken that do not meet the more-likely-than-not threshold must be quantified and recorded as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination. Interest and penalties associated with unrecognized tax benefits would be classified as additional income taxes in the statement of income. The organization believes that none of the tax positions taken would materially impact the financial statements and no such liabilities have been recorded. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Part X : FIN48 Footnote |
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| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 4533812 |
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| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Members have ownership with their share accounts. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | The CEO and the Internal Auditor review the 990 after the CPA has prepared the tax return. The accounting staff provide information needed to prepare the tax return |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | The policy is reviewed annually in September along with all of their other policies. General monitoring is done by the CEO, the President of the Board of Directors, and the Internal Auditor. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | The Credit Union's Strategic Plan results are used by the Compensation Committee and the Board of Directors to decide the CEO compensation. The Compensation Committee makes a recommendation and it is then submitted to the Board of Directors for approval. The Assistant CEO's salary is then reviewed by the CEO, based on the Board and Compensation Committee's decision. All other management salaries are considered and based on a written review. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | The Organization makes all financial documents available to the public upon request. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Line 11b: Form 990 Review Process |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Line 19: Other Organization Documents Publicly Available |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $84,771,364
- Liabilities
- $76,411,886
- Net assets
- $8,359,478
- Revenue
- $4,550,304
- Expenses
- $4,533,812
- Net income
- $16,492
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