Liabilities / Assets
88th percentile
Higher debt load relative to assets than 88% of similar nonprofits.
990 • Fiscal year 2017 • EIN 34-0746485
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
88th percentile
Higher debt load relative to assets than 88% of similar nonprofits.
Liabilities / Revenue
10th percentile
Higher debt load relative to revenue than 10% of similar nonprofits.
Net Margin
66th percentile
Higher net margin than 66% of similar nonprofits.
Top Officer Pay
59th percentile
Higher top officer pay than 59% of similar nonprofits.
Top officer pay equals 2.3% of source-year revenue.
Asset Growth
1st percentile
Faster asset growth than 1% of similar nonprofits.
Revenue Growth
99th percentile
Faster revenue growth than 99% of similar nonprofits.
Assets
Down$75,038,927
Down $13,313,936 (-15%) from 2015
Net Assets
Down$6,163,480
Down $456,026 (-6.9%) from 2015
Liabilities
Down$68,875,447
Down $12,857,910 (-16%) from 2015
Revenue
Up$6,508,851
Up $1,886,086 (+41%) from 2015
Expenses
Up$5,653,820
Up $377,321 (+7.2%) from 2015
Net Income
Up$855,031
Up $1,508,765 (+231%) from 2015
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
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Accounts Receivable | $69,750,752 | $62,131,839 | ▼ $7,618,913 |
| Savings and Temporary Cash Investments | $10,230,400 | $9,518,714 | ▼ $711,686 |
| Cap Stk Tr Prin Current Funds | $5,319,537 | $6,163,480 | ▲ $843,943 |
| Land, Buildings, and Equipment, Net | $2,233,926 | $1,991,883 | ▼ $242,043 |
| Prepaid Expenses and Deferred Charges | $414,142 | $193,794 | ▼ $220,348 |
| 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 | $83,814,834 | $75,038,927 | ▼ $8,775,907 |
| Other Assets Total | $1,185,614 | $1,202,697 | ▲ $17,083 |
| Liabilities | |||
| Other Liabilities | $77,699,349 | $68,013,116 | ▼ $9,686,233 |
| Accounts Payable and Accrued Expenses | $795,948 | $862,331 | ▲ $66,383 |
| Total Liabilities | $78,495,297 | $68,875,447 | ▼ $9,619,850 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $5,319,537 | $6,163,480 | ▲ $843,943 |
| Total Liabilities and Net Assets / Fund Balance | $83,814,834 | $75,038,927 | ▼ $8,775,907 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Other Land Buildings | $1,004,218 | $1,278,399 | $2,282,617 |
| Buildings | $704,268 | $1,158,129 | $1,862,397 |
| Land | $283,397 | - | $283,397 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Jennifer Borowy | CEO | FT | $149,946 | $2,628 | $152,574 |
| Name | Title |
|---|---|
| David Nero | President |
| John Weaver | Director |
| Mike Williams | Director |
| John Nelson | Treasurer |
| Jim Hartman | VP/Secretary |
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Elan | ATM Processor | 225 West Station SquareSuite 620, Pittsburg, PA 15219 | $277,904 |
| Share One | Information Systems | 2650 Thousand Oaks Blvd, Memphis, TN 38118 | $225,501 |
| Cose | Health Insurance | PO Box 951922, Cleveland, OH 44193 | $155,083 |
| SRK Fairground Associates | Rent | 4053 Maple Road Suite 200, Amherst, NY 14226-1072 | $151,530 |
| JR Hein LLC | Rent | 7958 Erie Avenue N, Canal Fulton, OH 44614 | $144,100 |
| Line Item | Amount |
|---|---|
| Other Expenses | $3,550,551 |
| Salaries, Compensation, and Employee Benefits | $2,103,269 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,754,375 |
| Occupancy | - | - | - | $659,298 |
| Fees for Services Other | - | - | - | $532,144 |
| Depreciation Depletion | - | - | - | $198,436 |
| Office Expenses | - | - | - | $186,224 |
| Payroll Taxes | - | - | - | $157,748 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $152,574 |
| Insurance | - | - | - | $60,529 |
| Other Expenses | - | - | - | $54,413 |
| All Other Expenses | - | - | - | $44,069 |
| Other Employee Benefits | - | - | - | $38,572 |
| Advertising | - | - | - | $38,524 |
| Interest | - | - | - | $20,487 |
| Total Functional Expenses | $0 | $0 | $0 | $5,653,820 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $5,653,820 |
| Total Expenses per Audited Statements | $5,653,820 |
| Total Expenses per Form 990 | $5,653,820 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Disqualified Persons | - | $0 | - |
| Receivables from Officers, Directors, Trustees, and Key Employees | - | $0 | - |
| Liability | Amount |
|---|---|
| Members' Shares / Deposits Accounts | $68,013,116 |
“Members have ownership with their share accounts.”
“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”
“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.”
“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.”
“The Organization makes all financial documents available to the public upon request.”
“Accumulated Unrealized Loss on Investment = -$11088”
“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.”
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 | 795948 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 862331 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 69750752 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 62131839 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 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 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 38524 |
| IRS990/AllAffiliatesIncludedInd | 0 | false |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 44069 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 0 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Brad Riley |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 3302539197 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 197 E Thornton Street |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Akron |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | OH |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 44311 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 5319537 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 6163480 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 0 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 6 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 152574 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | false |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 0 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 144100 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 155083 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 2 | 277904 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 3 | 151530 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 4 | 225501 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 7958 Erie Avenue N |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 1 | PO Box 951922 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 2 | 225 West Station SquareSuite 620 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 3 | 4053 Maple Road Suite 200 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 4 | 2650 Thousand Oaks Blvd |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | Canal Fulton |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 1 | Cleveland |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 2 | Pittsburg |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 3 | Amherst |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 4 | Memphis |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | OH |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 1 | OH |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 2 | PA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 3 | NY |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 4 | TN |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 44614 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 1 | 44193 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 2 | 15219 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 3 | 142261072 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 4 | 38118 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | JR Hein LLC |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 1 | COSE |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 2 | Elan |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 3 | SRK Fairground Associates |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 4 | Share One |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | Rent |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | Health Insurance |
| IRS990/ContractorCompensationGrp/ServicesDesc | 2 | ATM Processor |
| IRS990/ContractorCompensationGrp/ServicesDesc | 3 | Rent |
| IRS990/ContractorCompensationGrp/ServicesDesc | 4 | Information Systems |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 187655 |
| IRS990/CYOtherExpensesAmt | 0 | 3550551 |
| IRS990/CYOtherRevenueAmt | 0 | 643605 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 5677591 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 855031 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 2103269 |
| IRS990/CYTotalExpensesAmt | 0 | 5653820 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 6508851 |
| IRS990/DAFExcessBusinessHoldingsInd | 0 | false |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 198436 |
| 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 6,000 loans outstanding. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DistributionToDonorInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 74 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/EscrowAccountInd | 0 | false |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 532144 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 40.00 |
| 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/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | 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 | 2628 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Jim Hartman |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | David Nero |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | John Nelson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | John Weaver |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Mike Williams |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Jennifer Borowy |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 149946 |
| 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/TitleTxt | 0 | VP/Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/Form990TFiledInd | 0 | true |
| IRS990/FormationYr | 0 | 1933 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 91291 |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 5 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 91291 |
| IRS990/GrossReceiptsAmt | 0 | 6508851 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | true |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | true |
| IRS990/IndependentVotingMemberCnt | 0 | 5 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 0 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 60529 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 20487 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 96364 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 96364 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/InvestTaxExemptBondsInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 4 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 2436528 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 2233926 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1991883 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 4428411 |
| IRS990/LegalDomicileStateCd | 0 | OH |
| IRS990/LicensedMoreThanOneStateInd | 0 | false |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | true |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| 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 |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
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| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 6163480 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | 91291 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 91291 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 659298 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 186224 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OnBehalfOfIssuerInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OrgFiledInLieuOfForm1041Ind | 0 | false |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1185614 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1202697 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -11088 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 38572 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan Loss Provision |
| IRS990/OtherExpensesGrp/Desc | 1 | Data Processing |
| IRS990/OtherExpensesGrp/Desc | 2 | Loan Servicing |
| IRS990/OtherExpensesGrp/Desc | 3 | Miscellaneous Expenses |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 833263 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 662289 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 260875 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 54413 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 77699349 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 68013116 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 524298 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 525990 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | Insurance |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | Miscellaneous Income |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 480132 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 163473 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 480132 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 163473 |
| IRS990/OtherRevenueTotalAmt | 0 | 643605 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1754375 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 0 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 157748 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliciesReferenceChaptersInd | 0 | true |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 414142 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 193794 |
| IRS990/PrincipalOfficerNm | 0 | Jennifer Borowy |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 523000 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 523000 |
| 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 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 791826 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1313729 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 3098578 |
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| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1313729 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 3098578 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 473458 |
| 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 25,000 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. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 97529 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 4021880 |
| IRS990/PYOtherRevenueAmt | 0 | 397289 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 4726360 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -1299969 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2499267 |
| IRS990/PYTotalExpensesAmt | 0 | 6521147 |
| IRS990/PYTotalRevenueAmt | 0 | 5221178 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 855031 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 10230400 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 9518714 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 704268 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1158129 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1862397 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 5653820 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
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| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 283397 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 1004218 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 1278399 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 2282617 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 68013116 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Members' Shares / Deposits Accounts |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 6508851 |
| 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 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1991883 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 5653820 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 68013116 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 6508851 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 6508851 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 5653820 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | true |
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| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 2628 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | Jennifer Borowy |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 152574 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | false |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | false |
| IRS990ScheduleJ/WrittenEmploymentContractInd | 0 | X |
| 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/ExplanationTxt | 5 | Accumulated Unrealized Loss on Investment = -$11088 |
| 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 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Other Changes In Net Assets Or Fund Balances - Other Decreases |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxableDistributionsInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
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| IRS990/TotalAssetsEOYAmt | 0 | 75038927 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 83814834 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 75038927 |
| IRS990/TotalCompGreaterThan150KInd | 0 | true |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 74 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
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| IRS990/TotalGrossUBIAmt | 0 | 636931 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 78495297 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 68875447 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 78495297 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 68875447 |
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| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 6163480 |
| IRS990/TotalOtherCompensationAmt | 0 | 2628 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 5677591 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 149946 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 187655 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 5684265 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 6508851 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 636931 |
| IRS990/TotalVolunteersCnt | 0 | 5 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 83814834 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 75038927 |
| IRS990/TravelGrp/TotalAmt | 0 | 0 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
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Displayed year
2017 • Form 990Detailed filing. Detailed filing data is available for this year.
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