Civic Intelligence

568 Cardinal Credit Union Inc

990 • Fiscal year 2016 • EIN 34-0825291

Jan 01, 2016 to Dec 31, 2016 • Filed on Oct 10, 2017

Organization ProfileWWW.CARDINALCU.COM

View Organization Page

8500 Westport DriveMentor, OH 44060

(440) 266-2200

Siviq Scores

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

Liabilities / Assets

42nd percentile

0.89x

Higher debt load relative to assets than 42% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

44th percentile

17.49x

Higher debt load relative to revenue than 44% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

48th percentile

11%

Higher net margin than 48% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

79th percentile

$275,755

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Asset Growth

98th percentile

27%

Faster asset growth than 98% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Revenue Growth

94th percentile

21%

Faster revenue growth than 94% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets42nd percentile

Assets

Up

$243,080,984

Up $51,259,278 (+27%) from 2015

Net Assets

Up

$27,010,149

Up $5,771,008 (+27%) from 2015

Liabilities

Up

$216,070,835

Up $45,488,270 (+27%) from 2015

Revenue And Expenses
Liabilities / Revenue44th percentileNet Margin48th percentile

Revenue

Up

$12,355,265

Up $2,151,357 (+21%) from 2015

Expenses

Up

$11,051,467

Up $1,532,464 (+16%) from 2015

Net Income

Up

$1,303,798

Up $618,893 (+90%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth98th percentile

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

$400M$300M$200M$100M$0Assets 2010: $153,678,259Liabilities 2010: $137,591,615Net Assets 2010: $16,086,6442010Assets 2011: $155,927,160Liabilities 2011: $138,611,005Net Assets 2011: $17,316,1552011Assets 2012: $170,795,223Liabilities 2012: $152,571,769Net Assets 2012: $18,223,4542012Assets 2013: $175,147,763Liabilities 2013: $156,120,257Net Assets 2013: $19,027,5062013Assets 2015: $191,821,706Liabilities 2015: $170,582,565Net Assets 2015: $21,239,1412015Assets 2016: $243,080,984Liabilities 2016: $216,070,835Net Assets 2016: $27,010,1492016Assets 2017: $244,094,805Liabilities 2017: $215,462,994Net Assets 2017: $28,631,8112017Assets 2018: $238,914,685Liabilities 2018: $209,443,236Net Assets 2018: $29,471,4492018Assets 2019: $236,151,339Liabilities 2019: $205,562,694Net Assets 2019: $30,588,6452019Assets 2020: $262,084,279Liabilities 2020: $229,858,649Net Assets 2020: $32,225,6302020Assets 2021: $282,642,743Liabilities 2021: $248,236,980Net Assets 2021: $34,405,7632021Assets 2022: $288,887,413Liabilities 2022: $256,411,382Net Assets 2022: $32,476,0312022Assets 2024: $313,245,406Liabilities 2024: $280,639,010Net Assets 2024: $32,606,3962024

Highlighted filing

2016

Assets$243,080,984
Liabilities$216,070,835
Net Assets$27,010,149
Open 2016 Filing

Operations Trend

Revenue Growth94th percentile

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

$20M$15M$10M$5.0M$0Expenses 2010: $7,528,3872010Expenses 2011: $6,838,3512011Expenses 2012: $7,224,4872012Revenue 2013: $7,789,443Expenses 2013: $7,559,914Net Income 2013: $229,5292013Revenue 2015: $10,203,908Expenses 2015: $9,519,003Net Income 2015: $684,9052015Revenue 2016: $12,355,265Expenses 2016: $11,051,467Net Income 2016: $1,303,7982016Revenue 2017: $14,631,695Expenses 2017: $13,303,850Net Income 2017: $1,327,8452017Revenue 2018: $14,642,083Expenses 2018: $13,748,425Net Income 2018: $893,6582018Revenue 2019: $14,097,164Expenses 2019: $13,234,778Net Income 2019: $862,3862019Revenue 2020: $13,922,243Expenses 2020: $12,262,138Net Income 2020: $1,660,1052020Revenue 2021: $13,219,321Expenses 2021: $10,449,396Net Income 2021: $2,769,9252021Revenue 2022: $13,717,571Expenses 2022: $12,727,497Net Income 2022: $990,0742022Revenue 2024: $18,595,732Expenses 2024: $18,569,996Net Income 2024: $25,7362024

Highlighted filing

2016

Revenue$12,355,265
Expenses$11,051,467
Net Income$1,303,798
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 10, 2017
Return Version
2016v3.0
Gross Receipts
$12,658,049
Mission and Program Overview

Mission

Provide financial services to qualified members.

Provide financial services to qualified members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$134,731,197$168,345,564▲ $33,614,367
Investments Other Securities$30,659,609$42,991,655▲ $12,332,046
Rtn Earn Endowment Incm Other Fnds$21,239,141$27,010,149▲ $5,771,008
Savings and Temporary Cash Investments$10,082,293$15,331,116▲ $5,248,823
Land, Buildings, and Equipment, Net$5,588,018$5,896,304▲ $308,286
Cash and Non-Interest-Bearing Accounts$2,972,596$3,623,804▲ $651,208
Investments in Publicly Traded Securities$1,051,959$689,715▼ $362,244
Prepaid Expenses and Deferred Charges$167,828$154,101▼ $13,727
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$191,821,706$243,080,984▲ $51,259,278
Other Assets Total$6,568,206$6,048,725▼ $519,481
Liabilities
Other Liabilities$168,122,099$213,405,102▲ $45,283,003
Escrow Account Liability$1,650,867$1,824,426▲ $173,559
Accounts Payable and Accrued Expenses$809,599$841,307▲ $31,708
Total Liabilities$170,582,565$216,070,835▲ $45,488,270
Net Assets / Fund Balance
Total Net Assets Fund Balance$21,239,141$27,010,149▲ $5,771,008
Total Liabilities and Net Assets / Fund Balance$191,821,706$243,080,984▲ $51,259,278

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,279,279$1,709,304$5,988,583
Equipment$282,209$1,868,642$2,150,851
Land$1,281,480-$1,281,480
Leasehold Improvements$53,336$74,669$128,005
Other Securities$1,661,655--
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christine BlakePresident/CEOFT$203,470$72,285$275,755
Harley HillCFOFT$108,369$57,036$165,405

Board Members and Trustees

NameTitle
William Patrick JrChairman
James GrayVice Chairman
Jeff ShibleyDirector
KATHLEEN O'CONNELL-BURTONDirector
Kenneth DekenDirector
Robert DragolicDirector
Randy MearsSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,796,242
Investment Income
$530,420
Other Revenue
$28,603
Change in Net Assets
$1,303,798

Audited Revenue Reconciliation

Revenue per Audited Statements
$12,355,265
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$12,355,265
Total Revenue per Form 990
$12,355,265
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,658,325
Salaries, Compensation, and Employee Benefits$5,393,142
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,984,710
Office Expenses---$864,616
Interest---$633,141
Current Officers, Directors, Trustees, and Key Employees---$439,578
Other Employee Benefits---$436,925
Occupancy---$348,828
Advertising---$338,744
Payroll Taxes---$336,483
Depreciation Depletion---$310,208
Fees for Services Management---$270,450
Pension Plan Contributions---$195,446
Travel---$187,327
Information Technology---$187,325
Other Expenses---$54,470
Insurance---$51,585
Conferences and Meetings---$38,685
Fees for Services Accounting---$25,023
Fees for Services Legal---$6,907
Fees for Service Investment Mgmnt Fees---$4,085
Total Functional Expenses$0$0$0$11,051,467

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$11,051,467
Total Expenses per Audited Statements$11,051,467
Total Expenses per Form 990$11,051,467
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$213,391,557
Accrued Dividends and Interest$13,545
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Membership is required for the credit union through select group qualifications.”

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

“The board of directors is elected by the membership.”

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

“Certain changes are subject to member approval.”

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

“The forms are reviewed by the ceo, the board of directors and cfo of the financial institution. The form is provided to the board prior to filing.”

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

“The board of directors and officers are required to review and sign the conflict agreement annually.”

Form 990, Part VI, Section B, Line 15

“Compensation is reviewed by the executive committee. Comparative market data is also used from a third party source.”

Form 990, Part VI, Section C, Line 19

“The institution's financial statements are posted publically. The governing documents and conflict of interest policy are available upon request.”

Filing and Contact Details

Filer

Filer Name
Cardinal Credit Union Inc
EIN
34-0825291
Phone
4402662200
Address
8500 WESTPORT DRIVE, MENTOR, OH 44060

Signing Officer

Name
Christine Blake
Title
CEO
Phone
4402662200
Signed
2017-10-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christine Blake
Formed
1953
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
7
Employees
128
Volunteers
7

Preparer

Firm
Gbq Partners LLC
Address
5086 WOOSTER ROAD, CINCINNATI, OH 45226
Preparer
Robert M Kling
Phone
5138713033
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Acquisitions of erie shores community fcu,edison fcu and youngstown fcu 4,438,119. On 6/30/2016”

Financial Statement Notes

PART IV, LINE 2B:

“Mortgage loan escrow for insurance and taxes.”

PART X, LINE 2:

“The credit union accounts for uncertainty in income taxes in its financial statements as required under fasb asc, accounting for uncertainty in income taxes. The standard prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. The standard also provides guidance on de-recognition, classification, interest and penalties, accounting in interim periods, disclosure and transition accounting. The credit unions income tax returns prior to 2013 are closed. Management determined there were no material uncertain positions taken by the credit union in its tax returns.”

Raw XML AppendixShowing 400 of 451 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/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0195446
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0167828
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0154101
IRS990/PrincipalOfficerNm0CHRISTINE BLAKE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND COMMISSIONS
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08331420
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13326751
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2119509
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08331420
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13345313
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2119509
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt018562
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0365592
IRS990/PYOtherExpensesAmt05211924
IRS990/PYOtherRevenueAmt022876
IRS990/PYProgramServiceRevenueAmt09815440
IRS990/PYRevenuesLessExpensesAmt0684905
IRS990/PYSalariesCompEmpBnftPaidAmt04307079
IRS990/PYTotalExpensesAmt09519003
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt010203908
IRS990/ReconcilationRevenueExpnssAmt01303798
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt028603
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt028603
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt021239141
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt027010149
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010082293
IRS990/SavingsAndTempCashInvstGrp/EOYAmt015331116
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04279279
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01709304
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05988583
IRS990ScheduleD/EquipmentGrp/BookValueAmt0282209
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01868642
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02150851
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt011051467
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt01281480
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01281480
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt053336
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt074669
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0128005
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0213391557
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt113545
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED DIVIDENDS AND INTEREST
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt041330000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt11661655
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSITS - NON-NEGOTIABLE
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CORPORATE NON-MATURING CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt012355265
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MORTGAGE LOAN ESCROW FOR INSURANCE AND TAXES.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ITS FINANCIAL STATEMENTS AS REQUIRED UNDER FASB ASC, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. THE STANDARD PRESCRIBES A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE STANDARD ALSO PROVIDES GUIDANCE ON DE-RECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE AND TRANSITION ACCOUNTING. THE CREDIT UNIONS INCOME TAX RETURNS PRIOR TO 2013 ARE CLOSED. MANAGEMENT DETERMINED THERE WERE NO MATERIAL UNCERTAIN POSITIONS TAKEN BY THE CREDIT UNION IN ITS TAX RETURNS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05896304
IRS990ScheduleD/TotalBookValueSecuritiesAmt042991655
IRS990ScheduleD/TotalExpensesPerForm990Amt011051467
IRS990ScheduleD/TotalLiabilityAmt0213405102
IRS990ScheduleD/TotalRevenuePerForm990Amt012355265
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt012355265
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt011051467
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0203470
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1108369
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount041490
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount140050
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt08414
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt15653
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt0552
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt110374
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt021829
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt1959
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0CHRISTINE BLAKE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1HARLEY HILL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0275755
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1165405
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERSHIP IS REQUIRED FOR THE CREDIT UNION THROUGH SELECT GROUP QUALIFICATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN CHANGES ARE SUBJECT TO MEMBER APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORMS ARE REVIEWED BY THE CEO, THE BOARD OF DIRECTORS AND CFO OF THE FINANCIAL INSTITUTION. THE FORM IS PROVIDED TO THE BOARD PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS AND OFFICERS ARE REQUIRED TO REVIEW AND SIGN THE CONFLICT AGREEMENT ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION IS REVIEWED BY THE EXECUTIVE COMMITTEE. COMPARATIVE MARKET DATA IS ALSO USED FROM A THIRD PARTY SOURCE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE INSTITUTION'S FINANCIAL STATEMENTS ARE POSTED PUBLICALLY. THE GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ACQUISITIONS OF ERIE SHORES COMMUNITY FCU,EDISON FCU AND YOUNGSTOWN FCU 4,438,119. ON 6/30/2016
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0191821706
IRS990/TotalAssetsEOYAmt0243080984
IRS990/TotalAssetsGrp/BOYAmt0191821706
IRS990/TotalAssetsGrp/EOYAmt0243080984
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt0128
IRS990/TotalFunctionalExpensesGrp/TotalAmt011051467
IRS990/TotalGrossUBIAmt018562
IRS990/TotalLiabilitiesBOYAmt0170582565
IRS990/TotalLiabilitiesEOYAmt0216070835
IRS990/TotalLiabilitiesGrp/BOYAmt0170582565
IRS990/TotalLiabilitiesGrp/EOYAmt0216070835
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt021239141
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt027010149
IRS990/TotalOtherCompensationAmt024993
IRS990/TotalProgramServiceRevenueAmt011796242
IRS990/TotalReportableCompFromOrgAmt0416167
IRS990/TotalRevenueGrp/ExclusionAmt0536807
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt011799896
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt012355265
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt018562

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$243,080,984
Liabilities
$216,070,835
Net assets
$27,010,149
Revenue
$12,355,265
Expenses
$11,051,467
Net income
$1,303,798
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$313$281$32.6$18.6$18.6$0.03
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$289$256$32.5$13.7$12.7$0.99
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$283$248$34.4$13.2$10.4$2.77
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$262$230$32.2$13.9$12.3$1.66
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$236$206$30.6$14.1$13.2$0.86
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$239$209$29.5$14.6$13.7$0.89
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$244$215$28.6$14.6$13.3$1.33
2016Detailed filing. Detailed filing data is available for this year.$243$216$27.0$12.4$11.1$1.30
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$192$171$21.2$10.2$9.52$0.68
2013Detailed filing. Detailed filing data is available for this year.$175$156$19.0$7.79$7.56$0.23
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$171$153$18.2$7.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$156$139$17.3$6.84
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$154$138$16.1$7.53
Peer Organizations

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