Civic Intelligence

614 Wes Credit Union Inc

EIN 34-0796042 • 501(c)14 • Willoughby, OH

Profile

The mission of WES Credit Union, Inc. is to provide the best service and the best rates possible to our members while maintaining a sound financial institution.

38024 Second StreetWilloughby, OH 44094

wescreditunion.com

Siviq Scores

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

Liabilities / Assets

89th percentile

0.91x

Higher debt load relative to assets than 89% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

89th percentile

27.14x

Higher debt load relative to revenue than 89% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

65th percentile

13%

Higher net margin than 65% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

36th percentile

$69,632

Higher top officer pay than 36% of similar nonprofits.

Top officer pay equals 14.7% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Asset Growth

48th percentile

-0.1%

Faster asset growth than 48% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

77th percentile

15%

Faster revenue growth than 77% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets89th percentile

Assets

Down

$14,046,755

Down $18,475 (-0.1%) from 2023

Liabilities

Down

$12,849,222

Down $333,137 (-2.5%) from 2023

Net Assets

Up

$1,197,533

Up $314,662 (+36%) from 2023

Operations
Liabilities / Revenue89th percentileNet Margin65th percentile

Revenue

Up

$473,358

Up $61,198 (+15%) from 2023

Expenses

Up

$412,565

Up $9,372 (+2.3%) from 2023

Net Income

Up

$60,793

Up $51,826 (+578%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth48th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $10,137,199Liabilities 2010: $8,890,636Net Assets 2010: $1,246,5632010Assets 2011: $10,893,929Liabilities 2011: $9,644,294Net Assets 2011: $1,249,6352011Assets 2012: $11,144,400Liabilities 2012: $9,915,370Net Assets 2012: $1,229,0302012Assets 2013: $10,957,351Liabilities 2013: $9,802,454Net Assets 2013: $1,154,8972013Assets 2014: $10,899,076Liabilities 2014: $9,789,571Net Assets 2014: $1,109,5052014Assets 2015: $10,674,390Liabilities 2015: $9,562,311Net Assets 2015: $1,112,0792015Assets 2016: $10,883,258Liabilities 2016: $9,724,494Net Assets 2016: $1,158,7642016Assets 2017: $11,909,214Liabilities 2017: $10,778,942Net Assets 2017: $1,130,2722017Assets 2018: $12,332,238Liabilities 2018: $11,157,323Net Assets 2018: $1,174,9152018Assets 2019: $12,777,013Liabilities 2019: $11,545,824Net Assets 2019: $1,231,1892019Assets 2020: $14,097,192Liabilities 2020: $12,699,600Net Assets 2020: $1,397,5922020Assets 2021: $15,447,692Liabilities 2021: $14,217,370Net Assets 2021: $1,230,3222021Assets 2022: $15,663,133Liabilities 2022: $15,015,891Net Assets 2022: $647,2422022Assets 2023: $14,065,230Liabilities 2023: $13,182,359Net Assets 2023: $882,8712023Assets 2024: $14,046,755Liabilities 2024: $12,849,222Net Assets 2024: $1,197,5332024

Highlighted filing

2024

Assets$14,046,755
Liabilities$12,849,222
Net Assets$1,197,533
Open 2024 Filing

Operations Trend

Revenue Growth77th percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $383,9212010Expenses 2011: $355,6262011Expenses 2012: $357,8712012Revenue 2013: $315,956Expenses 2013: $390,089Net Income 2013: -$74,1332013Revenue 2014: $307,041Expenses 2014: $343,354Net Income 2014: -$36,3132014Revenue 2015: $308,632Expenses 2015: $302,050Net Income 2015: $6,5822015Revenue 2016: $324,003Expenses 2016: $312,208Net Income 2016: $11,7952016Revenue 2017: $352,420Expenses 2017: $340,198Net Income 2017: $12,2222017Revenue 2018: $403,456Expenses 2018: $377,724Net Income 2018: $25,7322018Revenue 2019: $426,662Expenses 2019: $370,388Net Income 2019: $56,2742019Revenue 2020: $411,664Expenses 2020: $386,662Net Income 2020: $25,0022020Revenue 2021: $342,063Expenses 2021: $344,627Net Income 2021: -$2,5642021Revenue 2022: $352,520Expenses 2022: $389,926Net Income 2022: -$37,4062022Revenue 2023: $412,160Expenses 2023: $403,193Net Income 2023: $8,9672023Revenue 2024: $473,358Expenses 2024: $412,565Net Income 2024: $60,7932024

Highlighted filing

2024

Revenue$473,358
Expenses$412,565
Net Income$60,793
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$14,046,755
Liabilities
$12,849,222
Net assets
$1,197,533
Revenue
$473,358
Expenses
$412,565
Net income
$60,793
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$14.0$12.8$1.20$0.47$0.41$0.06
2023Detailed filing. Detailed filing data is available for this year.$14.1$13.2$0.88$0.41$0.40$0.01
2022Detailed filing. Detailed filing data is available for this year.$15.7$15.0$0.65$0.35$0.39$0.04
2021Detailed filing. Detailed filing data is available for this year.$15.4$14.2$1.23$0.34$0.34$0.00
2020Detailed filing. Detailed filing data is available for this year.$14.1$12.7$1.40$0.41$0.39$0.03
2019Detailed filing. Detailed filing data is available for this year.$12.8$11.5$1.23$0.43$0.37$0.06
2018Detailed filing. Detailed filing data is available for this year.$12.3$11.2$1.17$0.40$0.38$0.03
2017Detailed filing. Detailed filing data is available for this year.$11.9$10.8$1.13$0.35$0.34$0.01
2016Detailed filing. Detailed filing data is available for this year.$10.9$9.72$1.16$0.32$0.31$0.01
2015Detailed filing. Detailed filing data is available for this year.$10.7$9.56$1.11$0.31$0.30$0.01
2014Detailed filing. Detailed filing data is available for this year.$10.9$9.79$1.11$0.31$0.34$0.04
2013Detailed filing. Detailed filing data is available for this year.$11.0$9.80$1.15$0.32$0.39$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.1$9.92$1.23$0.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.9$9.64$1.25$0.36
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.1$8.89$1.25$0.38
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 21, 2025
Return Version
2024v5.0
Gross Receipts
$473,358
Mission and Program Overview

Mission

The mission of WES Credit Union, Inc. is to provide the best service and the best rates possible to our members while maintaining a sound financial institution.

WES Credit Union, Inc. is a financial institution cooperative organized to provide loan and deposit products and services for its member owners.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$9,354,252$9,258,121▼ $96,131
Other Notes and Loans Receivable, Net$3,795,201$3,424,980▼ $370,221
Rtn Earn Endowment Incm Other Fnds$882,871$1,197,533▲ $314,662
Savings and Temporary Cash Investments$491,424$866,534▲ $375,110
Land, Buildings, and Equipment, Net$75,271$162,859▲ $87,588
Cash and Non-Interest-Bearing Accounts$116,066$118,904▲ $2,838
Prepaid Expenses and Deferred Charges$49,298$36,646▼ $12,652
Accounts Receivable$4,519$2,391▼ $2,128
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$14,065,230$14,046,755▼ $18,475
Other Assets Total$179,199$176,320▼ $2,879
Liabilities
Other Liabilities$13,161,343$12,829,970▼ $331,373
Accounts Payable and Accrued Expenses$21,016$19,252▼ $1,764
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$13,182,359$12,849,222▼ $333,137
Net Assets / Fund Balance
Total Net Assets Fund Balance$882,871$1,197,533▲ $314,662
Total Liabilities and Net Assets / Fund Balance$14,065,230$14,046,755▼ $18,475

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$41,471$325,835$367,306
Equipment$92,988$176,196$269,184
Land$28,400-$28,400
Investment Program Related Org$83,528--
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay36th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Steven SimoneChief Executive OfficerFT$69,132$500$69,632

Board Members and Trustees

NameTitle
Michelle AugustaPresident of the Board
Kathleen RiniVice President of the Board
James LovichDirector
Janice ConleyDirector
Rita MartinSecretary of the Board
Carol StaskaTreasurer of the Board
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$268,565
Investment Income
$204,793
Other Revenue
$0
Change in Net Assets
$60,793
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$256,951
Salaries, Compensation, and Employee Benefits$155,614
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Information Technology$97,661$0$0$97,661
Other Salaries and Wages$73,111$0$0$73,111
Current Officers, Directors, Trustees, and Key Employees$34,566$34,566$0$69,132
Interest$19,669$0$0$19,669
Office Expenses$15,625$0$0$15,625
Occupancy$13,897$1,544$0$15,441
Insurance$13,710$0$0$13,710
Fees for Services Accounting$0$13,200$0$13,200
All Other Expenses$11,821$0$0$11,821
Payroll Taxes$8,699$2,747$0$11,446
Depreciation Depletion$7,594$844$0$8,438
Other Expenses$0$4,256$0$4,256
Conferences and Meetings$1,896$1,100$0$2,996
Other Employee Benefits$1,463$462$0$1,925
Fees for Services Management$0$670$0$670
Advertising$438$0$0$438
Total Functional Expenses$353,176$59,389$0$412,565
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members share savings$9,571,361
Members draft checking$2,830,342
Members share certificates$428,267
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“All credit unions by charter are member owned.”

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

“All of the governing body is elected by the membership.”

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

“The 990 is reviewed by management and the Board of Directors prior to submission.”

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

“The conflict of interest policy is reviewed by the employees and Board of Directors annually.”

Form 990, Part VI, Section B, Line 15

“Compensation of key employees is approved by the Board of Directors. Independent compensation surveys are utilized as a tool in setting compensation levels.”

Form 990, Part VI, Section C, Line 19

“The governing documents, conflict of interest policy, and financial documents are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Wes Credit Union Inc
EIN
34-0796042
Phone
4409426981
Address
38024 Second Street, Willoughby, OH 44094

Signing Officer

Name
Steve Simone
Title
CEO
Phone
4409426981
Signed
2025-04-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Steve Simone
Formed
1954
Legal Domicile
Oh
Voting Board Members
6
Independent Board Members
6
Employees
5
Volunteers
6

Preparer

Firm
Schmidt & Associates
Address
P O Box 2588, Columbus, OH 43216
Preparer
Melissa Schmidt
Phone
6145291640
Raw XML AppendixShowing 400 of 547 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.

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IRS990/Form990PartVIISectionAGrp/PersonNm0Steven Simone
IRS990/Form990PartVIISectionAGrp/PersonNm1Michelle Augusta
IRS990/Form990PartVIISectionAGrp/PersonNm2Kathleen Rini
IRS990/Form990PartVIISectionAGrp/PersonNm3Carol Staska
IRS990/Form990PartVIISectionAGrp/PersonNm4Rita Martin
IRS990/Form990PartVIISectionAGrp/PersonNm5Janice Conley
IRS990/Form990PartVIISectionAGrp/PersonNm6James Lovich
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Chief Executive Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt1President of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt2Vice President of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
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