Liabilities / Assets
Score unavailable
Liabilities-to-assets requires both liabilities and assets on the latest valid filing.
Ohio Valley Community Credit Union
EIN 34-0871103 • 501(c)14 • Clarington, OH
Profile
To provide lending, saving and other financial services to our qualifying members at terms generally better than available in the marketplace with a service based emphasis that recognizes the member-owner status.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
No value available
Liabilities / Revenue
9th percentile
Tied with the lowest-debt nonprofits in its peer group.
Net Margin
88th percentile
Higher net margin than 88% of similar nonprofits.
Top Officer Pay
95th percentile
Higher top officer pay than 95% of similar nonprofits.
Top officer pay equals 3.0% of source-year revenue.
Asset Growth
8th percentile
Faster asset growth than 8% of similar nonprofits.
Revenue Growth
82nd percentile
Faster revenue growth than 82% of similar nonprofits.
Balance Sheet
Assets
Down$0
Down $141,837,927 (-100%) from 2017
Liabilities
Down$0
Down $130,291,445 (-100%) from 2017
Net Assets
Down$0
Down $11,546,482 (-100%) from 2017
Revenue
Up$6,899,435
Up $1,352,450 (+24%) from 2017
Expenses
Up$5,528,676
Up $895,394 (+19%) from 2017
Net Income
Up$1,370,759
Up $457,056 (+50%) from 2017
Trend Graphs
Filings
Most recent year
2018 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
- Assets
- $0
- Liabilities
- $0
- Net assets
- $0
- Revenue
- $6,899,435
- Expenses
- $5,528,676
- Net income
- $1,370,759
Latest Detailed Filing
The latest 2018 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2015 below.
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- Aug 9, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $4,286,836
Mission and Program Overview
Mission
To provide lending, saving and other financial services to our qualifying members at terms generally better than available in the marketplace with a service based emphasis that recognizes the member-owner status.
The credit union provides financial services to eligible members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments Other Securities | $64,039,526 | $56,817,086 | ▼ $7,222,440 |
| Other Notes and Loans Receivable, Net | $55,509,503 | $55,777,310 | ▲ $267,807 |
| Rtn Earn Endowment Incm Other Fnds | $10,446,734 | $10,361,955 | ▼ $84,779 |
| Savings and Temporary Cash Investments | $8,467,589 | $7,769,783 | ▼ $697,806 |
| Land, Buildings, and Equipment, Net | $3,107,676 | $3,521,989 | ▲ $414,313 |
| Cash and Non-Interest-Bearing Accounts | $1,719,351 | $1,514,719 | ▼ $204,632 |
| Prepaid Expenses and Deferred Charges | $628,066 | $582,921 | ▼ $45,145 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $137,276,521 | $131,808,372 | ▼ $5,468,149 |
| Other Assets Total | $3,804,810 | $5,824,564 | ▲ $2,019,754 |
| Liabilities | |||
| Other Liabilities | $126,578,789 | $121,153,963 | ▼ $5,424,826 |
| Accounts Payable and Accrued Expenses | $250,998 | $292,454 | ▲ $41,456 |
| Total Liabilities | $126,829,787 | $121,446,417 | ▼ $5,383,370 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $10,446,734 | $10,361,955 | ▼ $84,779 |
| Total Liabilities and Net Assets / Fund Balance | $137,276,521 | $131,808,372 | ▼ $5,468,149 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $2,646,227 | $1,419,434 | $4,065,661 |
| Equipment | $353,798 | $1,593,767 | $1,947,565 |
| Other Land Buildings | $136,639 | $237,317 | $373,956 |
| Land | $366,924 | - | $366,924 |
| Leasehold Improvements | $18,401 | $123,862 | $142,263 |
| Other Securities | $969,861 | - | - |
| Closely Held Equity Interests | $0 | - | - |
| Financial Derivatives | $0 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Gregory Harper | CEO | FT | $128,313 | $128,313 |
Board Members and Trustees
| Name | Title |
|---|---|
| RL Jones | Board Chair |
| Mark Fawcett | 1st Vice Chair |
| Harold McClain | 2nd Vice Chair |
| Alan Hunt | Director |
| Frank Shepherd | Director |
| Phillip Stoneking | Director |
| Richard Wilson | Director |
| Herbert Miller | Secretary |
| Karl Brookover | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $3,494,387
- Investment Income
- $759,282
- Other Revenue
- $-2,852
- Change in Net Assets
- $285,638
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $2,294,041 |
| Salaries, Compensation, and Employee Benefits | $1,671,138 |
| 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 | - | - | - | $1,142,195 |
| Office Expenses | - | - | - | $597,924 |
| Interest | - | - | - | $358,222 |
| Other Employee Benefits | - | - | - | $257,513 |
| Occupancy | - | - | - | $198,702 |
| Depreciation Depletion | - | - | - | $195,679 |
| Other Expenses | - | - | - | $160,905 |
| Information Technology | - | - | - | $130,559 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $128,313 |
| All Other Expenses | - | - | - | $98,573 |
| Payroll Taxes | - | - | - | $96,972 |
| Travel | - | - | - | $57,745 |
| Insurance | - | - | - | $52,242 |
| Fees for Service Investment Mgmnt Fees | - | - | - | $51,051 |
| Pension Plan Contributions | - | - | - | $46,145 |
| Advertising | - | - | - | $44,851 |
| Fees for Services Accounting | - | - | - | $28,596 |
| Conferences and Meetings | - | - | - | $19,421 |
| Fees for Services Other | - | - | - | $13,309 |
| Fees for Services Legal | - | - | - | $8,816 |
| Total Functional Expenses | $0 | $0 | $0 | $3,965,179 |
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
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member share deposits | $121,153,963 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- 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
- No
- Conflict-of-interest policy
- No
- 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
“The Credit Union is comprised of a single class of approximately12,600 member-owners, each of which has equal rights in ownership, governance and voting rights at the annual meeting with the exception of members elected to the Board of Directors.”
Form 990, Part VI, Section A, Line 7A
“The member-owners of the Credit Union have the authority to elect members to the Board of Directors for 3 year terms on a rotating basis. Candidates are elected by a simple plurality vote.”
Form 990, Part VI, Section A, Line 7B
“Changes to the governing bylaws must be approved by the member-owners after they have been approved by the Board of Directors and the Ohio Division of Financial Institutions. Approval occurs when at least 50% of the members plus one vote to approve.”
Form 990, Part VI, Section B, Line 11B
“Prior to filing, IRS Form 990 and related schedules are reviewed by the CEO. Such review includes confirmation of the accuracy of the return and approval of the appropriate changes. Upon completion of the initial review, the forms are reviewed at a meeting of the Board of Directors.”
Form 990, Part VI, Section B, Line 15
“The process used by the Credit Union to set the CEO's salary is based upon a combination of a comparison of similarly sized credit unions using CUNA's annual compensation survey, review of comparable financial institutions within the State of Ohio, review of the CEO's performance and the overall state of the credit union. The review is performed by a committee of the Board of Directors and presented to the entire Board for approval. This process is normally completed annually.”
Form 990, Part VI, Section C, Line 19
“The Credit Union's financial statements are posted in the lobby of its main office. The Credit Union's financial statements and bylaws can be reviewed upon request at the credit union's main office.”
Filing and Contact Details
Filer
- Filer Name
- Ohio Valley Community Credit Union
- EIN
- 34-0871103
- Phone
- 7404832279
- Address
- 52775 Boston Hill Road, Clarington, OH 43915
Signing Officer
- Name
- Gregory Harper
- Title
- CEO
- Phone
- 7404832279
- Signed
- 2016-08-09
Organization Details
- Principal Officer
- Gregory Harper
- Formed
- 1960
- Legal Domicile
- Oh
- Voting Board Members
- 9
- Independent Board Members
- 9
- Employees
- 44
- Volunteers
- 9
Supplemental Narrative
Additional Explanations
Form 990, Part XI, Line 9
“The other change in net assets is due to accounting entries made to Other Comprehensive Income in accordance with GAAP.”
Raw XML AppendixShowing 400 of 431 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/Desc | 0 | Dividends paid to members on approximately 21,000 accounts held by approximately 13,000 members. |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Karl Brookover |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | CEO |
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| IRS990/FormationYr | 0 | 1960 |
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| IRS990/MissionDesc | 0 | To provide lending, saving and other financial services to our qualifying members at terms generally better than available in the marketplace with a service based emphasis that recognizes the member-owner status. |
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| IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | -2852 |
| IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt | 0 | -2852 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 4626 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 120589 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 198702 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 597924 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 3804810 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 5824564 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -491006 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 257513 |
| IRS990/OtherExpensesGrp/Desc | 0 | Debit/Credit Card Processing |
| IRS990/OtherExpensesGrp/Desc | 1 | State Regulatory Fees |
| IRS990/OtherExpensesGrp/Desc | 2 | Provision for Loan Lossess |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 252054 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 25392 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 160905 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 126578789 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 121153963 |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1142195 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 55509503 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 55777310 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 96972 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 46145 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 628066 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 582921 |
| IRS990/PrincipalOfficerNm | 0 | Gregory Harper |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Other Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Misc Income |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2414240 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 615063 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 447264 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 2414240 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 632883 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 447264 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 17820 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Direct labor and employee benefits incurred by providing deposit services, originating new loans and servicing the loan portfolio for our members. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Data processing and depreciation costs related to recording members' account activity, safekeeping account records, regulation compliance and providing members access to their accounts via home banking, mobile channels, ATM and debit card networks and in person at credit union offices. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 785580 |
| IRS990/PYOtherExpensesAmt | 0 | 2676219 |
| IRS990/PYOtherRevenueAmt | 0 | 2501 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 3653235 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 114291 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1650806 |
| IRS990/PYTotalExpensesAmt | 0 | 4327025 |
| IRS990/PYTotalRevenueAmt | 0 | 4441316 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 285638 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | -2852 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 10446734 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 10361955 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 8467589 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 7769783 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 2646227 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1419434 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 4065661 |
| IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 353798 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1593767 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1947565 |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 0 |
| IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 366924 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 366924 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 18401 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 123862 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 142263 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 136639 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 237317 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 373956 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 121153963 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member share deposits |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 24643000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 296900 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 28855739 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 3 | 2051586 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 4 | 969861 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | Commercial Bank Deposits |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | FHLB Cincinnati Stock |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | Federal Agency Securities |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 3 | Rochdale Managed Investments |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 4 | Corporate One FCU Perpetual Capital |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 3 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 4 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 3521989 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 56817086 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 121153963 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | The Credit Union is comprised of a single class of approximately12,600 member-owners, each of which has equal rights in ownership, governance and voting rights at the annual meeting with the exception of members elected to the Board of Directors. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | The member-owners of the Credit Union have the authority to elect members to the Board of Directors for 3 year terms on a rotating basis. Candidates are elected by a simple plurality vote. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Changes to the governing bylaws must be approved by the member-owners after they have been approved by the Board of Directors and the Ohio Division of Financial Institutions. Approval occurs when at least 50% of the members plus one vote to approve. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Prior to filing, IRS Form 990 and related schedules are reviewed by the CEO. Such review includes confirmation of the accuracy of the return and approval of the appropriate changes. Upon completion of the initial review, the forms are reviewed at a meeting of the Board of Directors. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | The process used by the Credit Union to set the CEO's salary is based upon a combination of a comparison of similarly sized credit unions using CUNA's annual compensation survey, review of comparable financial institutions within the State of Ohio, review of the CEO's performance and the overall state of the credit union. The review is performed by a committee of the Board of Directors and presented to the entire Board for approval. This process is normally completed annually. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | The Credit Union's financial statements are posted in the lobby of its main office. The Credit Union's financial statements and bylaws can be reviewed upon request at the credit union's main office. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | The other change in net assets is due to accounting entries made to Other Comprehensive Income in accordance with GAAP. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, Line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, Line 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section C, Line 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part XI, Line 9 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 137276521 |
| IRS990/TotalAssetsEOYAmt | 0 | 131808372 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 137276521 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 131808372 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 44 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 3965179 |
| IRS990/TotalGrossUBIAmt | 0 | 14968 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 126829787 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 121446417 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 126829787 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 121446417 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 10446734 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 10361955 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcExpenseAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcGrantAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcRevenueAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 0 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 3494387 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 128313 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 759282 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3476567 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 4250817 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 14968 |
| IRS990/TotalVolunteersCnt | 0 | 9 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 137276521 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 131808372 |
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