Liabilities / Assets
85th percentile
Higher debt load relative to assets than 85% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.91x
Liabilities / Revenue
26th percentile
Higher debt load relative to revenue than 26% of similar nonprofits.
Net Margin
2nd percentile
Higher net margin than 2% of similar nonprofits.
Top Officer Pay
56th percentile
Higher top officer pay than 56% of similar nonprofits.
Top officer pay equals 4.4% of source-year revenue.
Asset Growth
1st percentile
Faster asset growth than 1% of similar nonprofits.
Revenue Growth
7th percentile
Faster revenue growth than 7% of similar nonprofits.
Balance Sheet
Assets
Down$43,348,253
Down $3,207,581 (-6.9%) from 2014
Net Assets
Down$3,728,871
Down $567,216 (-13%) from 2014
Liabilities
Down$39,619,382
Down $2,640,365 (-6.2%) from 2014
Revenue And Expenses
Revenue
Down$2,310,194
Down $179,223 (-7.2%) from 2014
Expenses
Up$2,875,217
Up $367,103 (+15%) from 2014
Net Income
Down-$565,023
Down $546,326 (-2922%) from 2014
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- Oct 26, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $2,310,194
Mission and Program Overview
Mission
To provide lending, savings, and other financial services to its qualifying members at terms generally better than available in the marketplace and with a service-based emphasis that recognizes the members' status as owners.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $32,565,784 | $26,512,841 | ▼ $6,052,943 |
| Investments Other Securities | $11,203,366 | $13,926,987 | ▲ $2,723,621 |
| Rtn Earn Endowment Incm Other Fnds | $4,296,087 | $3,728,871 | ▼ $567,216 |
| Cash and Non-Interest-Bearing Accounts | $772,137 | $1,031,759 | ▲ $259,622 |
| Investments Program Related | $652,638 | $652,638 | → $0 |
| Receivables From Officers Etc | $180,115 | $277,374 | ▲ $97,259 |
| Land, Buildings, and Equipment, Net | $248,322 | $158,015 | ▼ $90,307 |
| Total Assets | $46,555,834 | $43,348,253 | ▼ $3,207,581 |
| Other Assets Total | $933,472 | $788,639 | ▼ $144,833 |
| Liabilities | |||
| Other Liabilities | $42,032,596 | $39,317,586 | ▼ $2,715,010 |
| Accounts Payable and Accrued Expenses | $227,151 | $301,796 | ▲ $74,645 |
| Total Liabilities | $42,259,747 | $39,619,382 | ▼ $2,640,365 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $4,296,087 | $3,728,871 | ▼ $567,216 |
| Total Liabilities and Net Assets / Fund Balance | $46,555,834 | $43,348,253 | ▼ $3,207,581 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $155,495 | $657,006 | $812,501 |
| Leasehold Improvements | $2,520 | $104,161 | $106,681 |
| Other Securities | $13,926,987 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Wendy Driver | CEO | FT | $91,665 | $10,482 | $102,147 |
| April Mcleod | CFO | FT | $67,763 | $6,682 | $74,445 |
Board Members and Trustees
| Name | Title |
|---|---|
| Donna Gallavan | Director |
| ELIZABETH O'DONNELL | Director |
| Karen Szarka | Director |
| Kelly Linson | Director |
| Richard Stefanko | Director |
| Rob Routson | Director |
| Stanley Perry | Director |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $2,181,116
- Investment Income
- $129,078
- Other Revenue
- $0
- Change in Net Assets
- $-565,023
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $1,758,247 |
| Salaries, Compensation, and Employee Benefits | $1,016,542 |
| 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 | - | - | - | $677,139 |
| Occupancy | - | - | - | $247,568 |
| Fees for Services Other | - | - | - | $220,785 |
| All Other Expenses | - | - | - | $191,444 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $159,428 |
| Office Expenses | - | - | - | $107,484 |
| Other Employee Benefits | - | - | - | $105,364 |
| Benefits to Members | - | - | - | $100,428 |
| Other Expenses | - | - | - | $96,763 |
| Payroll Taxes | - | - | - | $74,611 |
| Advertising | - | - | - | $28,209 |
| Insurance | - | - | - | $22,103 |
| Conferences and Meetings | - | - | - | $3,600 |
| Interest | - | - | - | $59 |
| Total Functional Expenses | $0 | $0 | $0 | $2,875,217 |
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
- Subject to proxy tax
- No
Insider Transactions and Loans
Loans and Receivables
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $180,115 | $277,374 | ▲ $97,259 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Savings & Cd Accounts | $39,317,586 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- 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
- 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, Page 6, Part VI, Line 6
“The credit union is comprised of a single class of approximately 6,321 member-owners, each of which has equal rights in ownership, governance and voting rights at the annual meetings, with the exception of the member- owners who are elected to the board of directors.”
Form 990, Page 6, Part VI, Line 7A
“The member-owners of the credit union have the authority to elect the members of the board of directors for 3-year terms on a rotating basis. Candidates are elected by a simple plurality vote. The board of directors appoints volunteers to serve on the supervisory committee, which is vested with monitoring safety and soundness of the organization.”
Form 990, Page 6, Part VI, Line 11B
“Prior to being filed with the irs, a copy of the irs form 990 and related schedules are reviewed by the ceo, including a confirmation of accuracy of every answer and oversight of appropriate changes. Upon completion of the president's review, the forms will be provided to the board of directors.”
Form 990, Page 6, Part VI, Line 15A
“The compensation of the ceo is based on a performance review and research of peer group compensation. An independent salary committee conducts research and makes a recommendation to the board of directors who then act upon it.”
Form 990, Page 6, Part VI, Line 19
“Financial statements are posted in the lobbies of all locations. Governing documents and policies are available to members upon request.”
Filing and Contact Details
Filer
- Filer Name
- Emerald Credit Union
- EIN
- 34-0835818
- Address
- 13201 GRANGER ROAD STE 9, CLEVELAND, OH 44125
Signing Officer
- Name
- Wendy Driver
- Title
- CEO
- Signed
- 2016-10-26
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Wendy Driver
- Formed
- 1955
- Legal Domicile
- Oh
- Voting Board Members
- 9
- Independent Board Members
- 7
- Employees
- 17
- Volunteers
- 7
Preparer
- Firm
- Weston & Company Cpas LLC
- Address
- 371 COUNTY LINE RD W STE 100B, WESTERVILLE, OH 43082
- Preparer
- Erin Alderson Ea
- Phone
- 6148906620
Supplemental Narrative
Additional Explanations
FORM 990 - ORGANIZATION'S MISSION
“To provide lending, savings, and other financial services to its qualifying members at terms generally better than available in the marketplace and with a service-based emphasis that recognizes the members' status as owners.”
Form 990, Part XI, Line 9
“Reserve funding & unreal. Gain/loss -2,193 total -2,193”
Raw XML AppendixShowing 400 of 403 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/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 227151 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 301796 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | TO PROVIDE LENDING, SAVINGS, AND OTHER FINANCIAL SERVICES TO ITS QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THAN AVAILABLE IN THE MARKETPLACE AND WITH A SERVICE-BASED EMPHASIS THAT RECOGNIZES THE MEMBERS' STATUS AS OWNERS. |
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| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 191444 |
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| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 44125 |
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| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1031759 |
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| IRS990/CollectionsOfArtInd | 0 | false |
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| IRS990/CYRevenuesLessExpensesAmt | 0 | -565023 |
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| IRS990/CYTotalRevenueAmt | 0 | 2310194 |
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| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
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| IRS990/DescribedInSection501c3Ind | 0 | false |
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| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 17 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 220785 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
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| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 40.00 |
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| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
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| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 6682 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | DONNA GALLAVAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | STANLEY PERRY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | ROB ROUTSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | ELIZABETH O'DONNELL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | RICHARD STEFANKO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | KAREN SZARKA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | KELLY LINSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | WENDY DRIVER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | APRIL MCLEOD |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 67763 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | CFO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/Form990TFiledInd | 0 | true |
| IRS990/FormationYr | 0 | 1955 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 2310194 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 22103 |
| IRS990/InterestGrp/TotalAmt | 0 | 59 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 129078 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 129078 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
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| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 652638 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 652638 |
| IRS990/IRPDocumentCnt | 0 | 554 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 761167 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 248322 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 158015 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 919182 |
| IRS990/LegalDomicileStateCd | 0 | OH |
| IRS990/LoanOutstandingInd | 0 | true |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | TO PROVIDE LENDING, SAVINGS, AND OTHER FINANCIAL SERVICES TO ITS QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THAN AVAILABLE IN THE MARKETPLACE AND WITH A SERVICE-BASED EMPHASIS THAT RECOGNIZES THE MEMBERS' STATUS AS OWNERS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 4296087 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 3728871 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -4233 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 247568 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 107484 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 933472 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 788639 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -2193 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 105364 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
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| IRS990/OtherExpensesGrp/Desc | 2 | VISA EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 3 | LOAN SERVICING |
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| IRS990/OtherExpensesGrp/TotalAmt | 1 | 170110 |
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| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 74611 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrincipalOfficerNm | 0 | WENDY DRIVER |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 900099 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | ATM SURCHARGE INCOME |
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| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 712193 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1459758 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 712193 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 9165 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 9165 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | DIRECT LABOR AND EMPLOYEE BENEFIT COSTS INCURRED PRVIDING SAVINGS DEPOSIT SERVICES, ORIGINATING NEW LOANS AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | PROVISION FOR LOAN LOSS EXPENSE FOR MEMBER LOANS. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 148745 |
| IRS990/PYInvestmentIncomeAmt | 0 | 118774 |
| IRS990/PYOtherExpensesAmt | 0 | 1339266 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2370643 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -18697 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1020103 |
| IRS990/PYTotalExpensesAmt | 0 | 2508114 |
| IRS990/PYTotalRevenueAmt | 0 | 2489417 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 180115 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 277374 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -565023 |
| IRS990/RegularMonitoringEnfrcInd | 0 | false |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | true |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 4296087 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 3728871 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 155495 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 657006 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 812501 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 2520 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 104161 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 106681 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 39317586 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SAVINGS & CD ACCOUNTS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 13926987 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | OTHER INVESTMENTS |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 158015 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 13926987 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 39317586 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 109544 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 91629 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 2 | 27769 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 3 | 22773 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 4 | 12681 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 5 | 9613 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 6 | 3365 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 2 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 3 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 4 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 5 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 6 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 2 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 3 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 4 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 5 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 6 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 1 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 2 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 3 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 4 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 5 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 6 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | MORTGAGE LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 1 | MORTGAGE |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 2 | HOME EQUITY |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 3 | PERSONAL LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 4 | PERSONAL LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 5 | VISA LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 6 | VISA LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 150000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 1 | 124647 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 2 | 100456 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 3 | 43343 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 4 | 24095 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | ROB ROUTSON |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 1 | RICHARD STEFANKO |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 2 | DONNA GALLAVAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 3 | ROB ROUTSON |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 4 | WENDY DRIVER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 5 | RICHARD STEFANKO |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 6 | KELLY LINSON |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | DIRECTOR |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 1 | DIRECTOR |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 2 | DIRECTOR |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 3 | DIRECTOR |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 4 | OFFICER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 5 | DIRECTOR |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 6 | DIRECTOR |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 2 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 3 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 4 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 5 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 6 | true |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 277374 |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | TO PROVIDE LENDING, SAVINGS, AND OTHER FINANCIAL SERVICES TO ITS QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THAN AVAILABLE IN THE MARKETPLACE AND WITH A SERVICE-BASED EMPHASIS THAT RECOGNIZES THE MEMBERS' STATUS AS OWNERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF APPROXIMATELY 6,321 MEMBER-OWNERS, EACH OF WHICH HAS EQUAL RIGHTS IN OWNERSHIP, GOVERNANCE AND VOTING RIGHTS AT THE ANNUAL MEETINGS, WITH THE EXCEPTION OF THE MEMBER- OWNERS WHO ARE ELECTED TO THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE MEMBER-OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR 3-YEAR TERMS ON A ROTATING BASIS. CANDIDATES ARE ELECTED BY A SIMPLE PLURALITY VOTE. THE BOARD OF DIRECTORS APPOINTS VOLUNTEERS TO SERVE ON THE SUPERVISORY COMMITTEE, WHICH IS VESTED WITH MONITORING SAFETY AND SOUNDNESS OF THE ORGANIZATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | PRIOR TO BEING FILED WITH THE IRS, A COPY OF THE IRS FORM 990 AND RELATED SCHEDULES ARE REVIEWED BY THE CEO, INCLUDING A CONFIRMATION OF ACCURACY OF EVERY ANSWER AND OVERSIGHT OF APPROPRIATE CHANGES. UPON COMPLETION OF THE PRESIDENT'S REVIEW, THE FORMS WILL BE PROVIDED TO THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE COMPENSATION OF THE CEO IS BASED ON A PERFORMANCE REVIEW AND RESEARCH OF PEER GROUP COMPENSATION. AN INDEPENDENT SALARY COMMITTEE CONDUCTS RESEARCH AND MAKES A RECOMMENDATION TO THE BOARD OF DIRECTORS WHO THEN ACT UPON IT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | FINANCIAL STATEMENTS ARE POSTED IN THE LOBBIES OF ALL LOCATIONS. GOVERNING DOCUMENTS AND POLICIES ARE AVAILABLE TO MEMBERS UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | RESERVE FUNDING & UNREAL. GAIN/LOSS -2,193 TOTAL -2,193 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990 - ORGANIZATION'S MISSION |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 6, PART VI, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART XI, LINE 9 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 46555834 |
| IRS990/TotalAssetsEOYAmt | 0 | 43348253 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 46555834 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 43348253 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 17 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2875217 |
| IRS990/TotalGrossUBIAmt | 0 | 9165 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 42259747 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 39619382 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 42259747 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 39619382 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 4296087 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 3728871 |
| IRS990/TotalOtherCompensationAmt | 0 | 17164 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 2181116 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 159428 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2301029 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 2310194 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 9165 |
| IRS990/TotalVolunteersCnt | 0 | 7 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 46555834 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 43348253 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | true |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 13201 GRANGER RD STE 9 |
| IRS990/USAddress/CityNm | 0 | CLEVELAND |
| IRS990/USAddress/StateAbbreviationCd | 0 | OH |
| IRS990/USAddress/ZIPCd | 0 | 44125 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 9 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.EMERALDGCU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2017-02-10 21:41:12Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | WENDY DRIVER |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2016-10-26 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | EMERALD CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | EMER |
| ReturnHeader/Filer/EIN | 0 | 340835818 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 13201 GRANGER ROAD STE 9 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | CLEVELAND |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | OH |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 44125 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 273731447 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | WESTON & COMPANY CPAS LLC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 371 COUNTY LINE RD W STE 100B |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | WESTERVILLE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | OH |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 43082 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 6148906620 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2016-10-26 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | ERIN ALDERSON EA |
| ReturnHeader/ReturnTs | 0 | 2016-11-03T11:14:23-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $43,348,253
- Liabilities
- $39,619,382
- Net assets
- $3,728,871
- Revenue
- $2,310,194
- Expenses
- $2,875,217
- Net income
- -$565,023