Civic Intelligence

Columbiana County School Emp Cu

EIN 34-0869735 • 501(c)14 • Lisbon, OH

Profile

The purpose of this credit union shall be to promote thrift and to provide credit for its members.

330-b North Market StreetLisbon, OH 44432

www.ccsecreditunion.com

Siviq Scores

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

Liabilities / Assets

17th percentile

0.74x

Higher debt load relative to assets than 17% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

45th percentile

14.14x

Higher debt load relative to revenue than 45% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Net Margin

66th percentile

7.5%

Higher net margin than 66% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

52nd percentile

$58,496

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 17.5% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Asset Growth

12th percentile

-15%

Faster asset growth than 12% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

81st percentile

19%

Faster revenue growth than 81% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets17th percentile

Assets

Down

$6,405,848

Down $1,168,437 (-15%) from 2023

Liabilities

Down

$4,720,005

Down $1,193,515 (-20%) from 2023

Net Assets

Up

$1,685,843

Up $25,078 (+1.5%) from 2023

Operations
Liabilities / Revenue45th percentileNet Margin66th percentile

Revenue

Up

$333,797

Up $52,340 (+19%) from 2023

Expenses

Up

$308,719

Up $68,862 (+29%) from 2023

Net Income

Down

$25,078

Down $16,522 (-40%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth12th percentile

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

$15M$10M$5.0M$0Assets 2010: $10,351,675Liabilities 2010: $9,305,340Net Assets 2010: $1,046,3352010Assets 2011: $10,575,379Liabilities 2011: $9,495,357Net Assets 2011: $1,080,0222011Assets 2012: $10,662,940Liabilities 2012: $9,532,834Net Assets 2012: $1,130,1062012Assets 2013: $9,921,547Liabilities 2013: $8,728,313Net Assets 2013: $1,193,2342013Assets 2014: $9,681,883Liabilities 2014: $8,338,837Net Assets 2014: $1,343,0462014Assets 2015: $9,565,700Liabilities 2015: $8,163,203Net Assets 2015: $1,402,4972015Assets 2016: $9,278,143Liabilities 2016: $7,811,092Net Assets 2016: $1,467,0512016Assets 2017: $8,945,574Liabilities 2017: $7,459,268Net Assets 2017: $1,486,3062017Assets 2018: $8,508,658Liabilities 2018: $6,982,744Net Assets 2018: $1,525,9142018Assets 2019: $8,676,367Liabilities 2019: $7,072,709Net Assets 2019: $1,603,6582019Assets 2020: $9,006,926Liabilities 2020: $7,401,406Net Assets 2020: $1,605,5202020Assets 2021: $9,548,841Liabilities 2021: $7,935,592Net Assets 2021: $1,613,2492021Assets 2022: $9,090,889Liabilities 2022: $7,471,724Net Assets 2022: $1,619,1652022Assets 2023: $7,574,285Liabilities 2023: $5,913,520Net Assets 2023: $1,660,7652023Assets 2024: $6,405,848Liabilities 2024: $4,720,005Net Assets 2024: $1,685,8432024

Highlighted filing

2024

Assets$6,405,848
Liabilities$4,720,005
Net Assets$1,685,843
Open 2024 Filing

Operations Trend

Revenue Growth81st percentile

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

$400K$300K$200K$100K$0Expenses 2010: $338,3222010Expenses 2011: $285,2962011Expenses 2012: $242,4892012Revenue 2013: $306,119Expenses 2013: $242,991Net Income 2013: $63,1282013Revenue 2014: $319,396Expenses 2014: $211,584Net Income 2014: $107,8122014Revenue 2015: $305,425Expenses 2015: $245,974Net Income 2015: $59,4512015Revenue 2016: $289,616Expenses 2016: $225,062Net Income 2016: $64,5542016Revenue 2017: $292,575Expenses 2017: $273,320Net Income 2017: $19,2552017Revenue 2018: $360,972Expenses 2018: $294,934Net Income 2018: $66,0382018Revenue 2019: $335,736Expenses 2019: $257,992Net Income 2019: $77,7442019Revenue 2020: $299,777Expenses 2020: $297,915Net Income 2020: $1,8622020Revenue 2021: $240,564Expenses 2021: $232,835Net Income 2021: $7,7292021Revenue 2022: $225,396Expenses 2022: $219,480Net Income 2022: $5,9162022Revenue 2023: $281,457Expenses 2023: $239,857Net Income 2023: $41,6002023Revenue 2024: $333,797Expenses 2024: $308,719Net Income 2024: $25,0782024

Highlighted filing

2024

Revenue$333,797
Expenses$308,719
Net Income$25,078
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$6,405,848
Liabilities
$4,720,005
Net assets
$1,685,843
Revenue
$333,797
Expenses
$308,719
Net income
$25,078
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.41$4.72$1.69$0.33$0.31$0.03
2023Detailed filing. Detailed filing data is available for this year.$7.57$5.91$1.66$0.28$0.24$0.04
2022Detailed filing. Detailed filing data is available for this year.$9.09$7.47$1.62$0.23$0.22$0.01
2021Detailed filing. Detailed filing data is available for this year.$9.55$7.94$1.61$0.24$0.23$0.01
2020Detailed filing. Detailed filing data is available for this year.$9.01$7.40$1.61$0.30$0.30$0.00
2019Detailed filing. Detailed filing data is available for this year.$8.68$7.07$1.60$0.34$0.26$0.08
2018Detailed filing. Detailed filing data is available for this year.$8.51$6.98$1.53$0.36$0.29$0.07
2017Detailed filing. Detailed filing data is available for this year.$8.95$7.46$1.49$0.29$0.27$0.02
2016Detailed filing. Detailed filing data is available for this year.$9.28$7.81$1.47$0.29$0.23$0.06
2015Detailed filing. Detailed filing data is available for this year.$9.57$8.16$1.40$0.31$0.25$0.06
2014Detailed filing. Detailed filing data is available for this year.$9.68$8.34$1.34$0.32$0.21$0.11
2013Detailed filing. Detailed filing data is available for this year.$9.92$8.73$1.19$0.31$0.24$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.7$9.53$1.13$0.24
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.6$9.50$1.08$0.29
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.4$9.31$1.05$0.34
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 10, 2025
Return Version
2024v5.2
Gross Receipts
$333,797
Mission and Program Overview

Mission

The purpose of this credit union shall be to promote thrift and to provide credit for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$3,758,278$3,262,278▼ $496,000
Other Notes and Loans Receivable, Net$2,590,203$2,453,326▼ $136,877
Rtn Earn Endowment Incm Other Fnds$1,660,765$1,685,843▲ $25,078
Cash and Non-Interest-Bearing Accounts$1,120,890$606,533▼ $514,357
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$7,574,285$6,405,848▼ $1,168,437
Other Assets Total$104,914$83,711▼ $21,203
Liabilities
Other Liabilities$5,903,171$4,708,634▼ $1,194,537
Accounts Payable and Accrued Expenses$10,349$11,371▲ $1,022
Total Liabilities$5,913,520$4,720,005▼ $1,193,515
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,660,765$1,685,843▲ $25,078
Total Liabilities and Net Assets / Fund Balance$7,574,285$6,405,848▼ $1,168,437

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$3,262,278--
Compensation and Service Providers
Top Officer Pay52nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Jeannette MarraGeneral Manager/treasurer/FT$58,496$58,496

Board Members and Trustees

NameTitle
Robert F MarraPresident Board of Directo
Wayne ChristenVice President Board of Di
Elizabeth GoerigDirector
Jamiel RadmanDirector
Joy DaileyDirector
Judy KelmDirector
Ruth FloorDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$178,059
Investment Income
$155,544
Other Revenue
$194
Change in Net Assets
$25,078
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$163,160
Salaries, Compensation, and Employee Benefits$145,559
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$87,063
Office Expenses---$61,092
Current Officers, Directors, Trustees, and Key Employees---$58,496
Fees for Services Other---$26,516
Occupancy---$21,200
Interest---$5,619
Other Expenses---$3,333
Advertising---$2,459
Travel---$1,329
Total Functional Expenses$0$0$0$308,719
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
MEMBERS' SHARES & DEPOSITS$4,708,634
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 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
No
Other officer compensation reviewed
No
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 2

“Robert marra, president of the board is the spouse of general manager jeannette marra”

Form 990, Part VI, Section A, Line 6

“The organization has members.”

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

“At the annal dinner meeting the members present get to elect members of the board of directors.”

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

“Certain transactions and changes to the code of regulations are subject to member approval.”

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

“A copy of the form 990 is reviewed at the monthly board meeting.”

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

“Conflicts of interest are reviewed on a ongoing basis by directors.”

Form 990, Part VI, Section C, Line 19

“Governing documents and conflict of interest policy are available upon request. The financial statement for each month is posted in the lobb of the credit union.”

Filing and Contact Details

Filer

Filer Name
Columbiana County School Emp Cu
EIN
34-0869735
Phone
3304249649
Address
330-B NORTH MARKET STREET, LISBON, OH 44432

Signing Officer

Name
Jessica Thorne
Title
Manager/treasurer
Phone
3304249649
Signed
2025-11-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jessica Thorne
Formed
1955
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
7
Employees
3
Volunteers
7

Preparer

Firm
Gbq Partners LLC
Address
4030 SMITH ROAD SUITE 400, CINCINNATI, OH 45209
Preparer
Kathleen M Moseley
Phone
5138713033
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The process has not changed from prior year.”

Raw XML Appendix330 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.

Path#Value
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IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0JESSICA THORNE
IRS990/BooksInCareOfDetail/PhoneNum03304249649
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0330-B NORTH MARKET STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0LISBON
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
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IRS990/Form990PartVIISectionAGrp/PersonNm1WAYNE CHRISTEN
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT BOARD OF DIRECTO
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT BOARD OF DI
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04708634
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES & DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt03262278
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CORPORATE CREDIT UNION INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalBookValueSecuritiesAmt03262278
IRS990ScheduleD/TotalLiabilityAmt04708634
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ROBERT MARRA, PRESIDENT OF THE BOARD IS THE SPOUSE OF GENERAL MANAGER JEANNETTE MARRA
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION HAS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2AT THE ANNAL DINNER MEETING THE MEMBERS PRESENT GET TO ELECT MEMBERS OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CERTAIN TRANSACTIONS AND CHANGES TO THE CODE OF REGULATIONS ARE SUBJECT TO MEMBER APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A COPY OF THE FORM 990 IS REVIEWED AT THE MONTHLY BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5CONFLICTS OF INTEREST ARE REVIEWED ON A ONGOING BASIS BY DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST. THE FINANCIAL STATEMENT FOR EACH MONTH IS POSTED IN THE LOBB OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE PROCESS HAS NOT CHANGED FROM PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt07574285
IRS990/TotalAssetsEOYAmt06405848
IRS990/TotalAssetsGrp/BOYAmt07574285
IRS990/TotalAssetsGrp/EOYAmt06405848
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0308719
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt05913520
IRS990/TotalLiabilitiesEOYAmt04720005
IRS990/TotalLiabilitiesGrp/BOYAmt05913520
IRS990/TotalLiabilitiesGrp/EOYAmt04720005
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01660765
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01685843
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0178059
IRS990/TotalReportableCompFromOrgAmt058496
IRS990/TotalRevenueGrp/ExclusionAmt0155544
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0178253
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0333797
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07574285
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt06405848
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt01329
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0330-B NORTH MARKET STREET
IRS990/USAddress/CityNm0LISBON
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd044432
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.CCSECREDITUNION.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JESSICA THORNE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER/TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum03304249649
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COLUMBIANA COUNTY SCHOOL EMP CU
ReturnHeader/Filer/BusinessNameControlTxt0COLU
ReturnHeader/Filer/EIN0340869735
ReturnHeader/Filer/PhoneNum03304249649
ReturnHeader/Filer/USAddress/AddressLine1Txt0330-B NORTH MARKET STREET
ReturnHeader/Filer/USAddress/CityNm0LISBON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd044432
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202122306
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GBQ PARTNERS LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt04030 SMITH ROAD SUITE 400
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CINCINNATI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd045209
ReturnHeader/PreparerPersonGrp/PhoneNum05138713033
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-10
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KATHLEEN M MOSELEY
ReturnHeader/ReturnTs02025-11-12T10:03:19-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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