Liabilities / Assets
Score unavailable
Liabilities-to-assets requires both liabilities and assets on this filing.
990 • Fiscal year 2018 • EIN 34-0871103
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
Score unavailable
Liabilities-to-assets requires both liabilities and assets on this filing.
Liabilities / Revenue
2nd percentile
Tied with the lowest-debt nonprofits in its peer group.
Net Margin
85th percentile
Higher net margin than 85% of similar nonprofits.
Top Officer Pay
99th percentile
Higher top officer pay than 99% of similar nonprofits.
Top officer pay equals 2.2% of source-year revenue.
Asset Growth
1st percentile
Faster asset growth than 1% of similar nonprofits.
Revenue Growth
98th percentile
Faster revenue growth than 98% of similar nonprofits.
Assets
Down$0
Down $141,837,927 (-100%) from 2017
Net Assets
Down$0
Down $11,546,482 (-100%) from 2017
Liabilities
Down$0
Down $130,291,445 (-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
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.
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
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $87,546,472 | $0 | ▼ $87,546,472 |
| Investments Other Securities | $37,715,360 | $0 | ▼ $37,715,360 |
| Rtn Earn Endowment Incm Other Fnds | $11,546,482 | $0 | ▼ $11,546,482 |
| Savings and Temporary Cash Investments | $5,012,117 | $0 | ▼ $5,012,117 |
| Land, Buildings, and Equipment, Net | $3,333,850 | $0 | ▼ $3,333,850 |
| Cash and Non-Interest-Bearing Accounts | $1,248,011 | $0 | ▼ $1,248,011 |
| Prepaid Expenses and Deferred Charges | $740,881 | $0 | ▼ $740,881 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $141,837,927 | $0 | ▼ $141,837,927 |
| Other Assets Total | $6,241,236 | $0 | ▼ $6,241,236 |
| Liabilities | |||
| Other Liabilities | $130,142,736 | $0 | ▼ $130,142,736 |
| Accounts Payable and Accrued Expenses | $148,709 | $0 | ▼ $148,709 |
| Total Liabilities | $130,291,445 | $0 | ▼ $130,291,445 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $11,546,482 | $0 | ▼ $11,546,482 |
| Total Liabilities and Net Assets / Fund Balance | $141,837,927 | $0 | ▼ $141,837,927 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Gregory Harper | CEO | FT | $149,000 | $149,000 |
| Name | Title |
|---|---|
| RL Jones | Board Chair |
| Mark Fawcett | 1st Vice Chair |
| David Schnegg | 2nd Vice Chair |
| Frank Shepherd | Director |
| Harold McClain | Director |
| Karl Brookover | Financial Officer |
| Herbert Miller | Secretary |
| Line Item | Amount |
|---|---|
| Other Expenses | $3,371,720 |
| Salaries, Compensation, and Employee Benefits | $2,156,956 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,640,508 |
| Office Expenses | - | - | - | $696,131 |
| Interest | - | - | - | $519,484 |
| Occupancy | - | - | - | $242,640 |
| Depreciation Depletion | - | - | - | $211,936 |
| Other Employee Benefits | - | - | - | $192,848 |
| All Other Expenses | - | - | - | $185,278 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $149,000 |
| Payroll Taxes | - | - | - | $131,470 |
| Conferences and Meetings | - | - | - | $81,806 |
| Information Technology | - | - | - | $79,437 |
| Insurance | - | - | - | $69,416 |
| Fees for Service Investment Mgmnt Fees | - | - | - | $55,177 |
| Other Expenses | - | - | - | $54,566 |
| Advertising | - | - | - | $54,120 |
| Fees for Services Other | - | - | - | $51,248 |
| Pension Plan Contributions | - | - | - | $43,130 |
| Fees for Services Accounting | - | - | - | $36,650 |
| Fees for Services Legal | - | - | - | $11,366 |
| Travel | - | - | - | $10,117 |
| Total Functional Expenses | $0 | $0 | $0 | $5,528,676 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
“The Credit Union is comprised of a single class of approximately 12,400 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.”
“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.”
“Changes to the governing bylaws must be approved by the member-owners after they have been approved by the Board of Directors and the National Credit Union Administration. Approval occurs when at least 50% plus one vote to approve.”
“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. The results of the review are presented to the Board of Directors.”
“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 is presented to the full Board for approval. The process is normally completed on an annual basis.”
“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.”
“Enter this figure to zero out the capital accounts reconciliation”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 148709 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 0 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 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 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 54120 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 185278 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Gregory Harper |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 7404832279 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 52775 Boston Hill Road |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Clarington |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | OH |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 43915 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 1248011 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 0 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 149000 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 81806 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 0 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContractTerminationInd | 0 | X |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 832224 |
| IRS990/CYOtherExpensesAmt | 0 | 3371720 |
| IRS990/CYOtherRevenueAmt | 0 | 4940 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 6062271 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 1370759 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 2156956 |
| IRS990/CYTotalExpensesAmt | 0 | 5528676 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 6899435 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 211936 |
| IRS990/Desc | 0 | Dividends paid to members on approximately 21,200 accounts held by approximate 12,200 members. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 54 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 36650 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 11366 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 51248 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 55177 |
| IRS990/FinalReturnInd | 0 | X |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| 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/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | RL Jones |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Mark Fawcett |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | David Schnegg |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Karl Brookover |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Herbert Miller |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Harold McClain |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Frank Shepherd |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Gregory Harper |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 149000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Board Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | 1st Vice Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | 2nd Vice Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Financial Officer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1960 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 6929422 |
| IRS990/GrossRentsGrp/PersonalAmt | 0 | 0 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 34927 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 79437 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 69416 |
| IRS990/InterestGrp/TotalAmt | 0 | 519484 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 832224 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 832224 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 37715360 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 2193 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 0 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 3333850 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 0 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 0 |
| IRS990/LegalDomicileStateCd | 0 | OH |
| IRS990/LessRentalExpensesGrp/PersonalAmt | 0 | 0 |
| IRS990/LessRentalExpensesGrp/RealAmt | 0 | 29987 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| 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 |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 11546482 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 4940 |
| IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt | 0 | 4940 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 9920 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 242640 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 696131 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 6241236 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 0 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -12917241 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 192848 |
| IRS990/OtherExpensesGrp/Desc | 0 | Debit/Credit Card Processing |
| IRS990/OtherExpensesGrp/Desc | 1 | Provision Loan Lease Losses |
| IRS990/OtherExpensesGrp/Desc | 2 | Home Banking/Core Processing |
| IRS990/OtherExpensesGrp/Desc | 3 | Supervisory Fees |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 259381 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 479647 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 273320 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 54566 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 130142736 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 0 |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1640508 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 87546472 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 0 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 131470 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 43130 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 740881 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 0 |
| 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 | Miscellaneous Income |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4638845 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 902112 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 504469 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 4638845 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 918957 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 504469 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 16845 |
| 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 share accounts via home banking, mobile channels, ATM and debit card networks and in person at credit union offices. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 750779 |
| IRS990/PYOtherExpensesAmt | 0 | 2740804 |
| IRS990/PYOtherRevenueAmt | 0 | 8416 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 4787790 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 913703 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1892478 |
| IRS990/PYTotalExpensesAmt | 0 | 4633282 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 5546985 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1370759 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 4940 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 0 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 0 |
| 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 | 11546482 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 0 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 5012117 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 0 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990ScheduleN/AssetsDistributedInd | 0 | 0 |
| IRS990ScheduleN/AttorneyGeneralNotifiedInd | 0 | 1 |
| IRS990ScheduleN/BondsOutstandingInd | 0 | 0 |
| IRS990ScheduleN/DirectorOfSuccessorInd | 0 | 1 |
| IRS990ScheduleN/EmployeeOfSuccessorInd | 0 | 1 |
| IRS990ScheduleN/LiabilitiesPaidInd | 0 | 1 |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc | 0 | As of December 31, 2018, Ohio Valley Community Credit Union converted from a state chartered credit union to a federally chartered credit union. The federally chartered credit union is name Ohio Valley Community Federal Credit Union. An annual 990 return is not currently required for federally chartered credit unions. |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt | 0 | Ohio Valley Community Federal Credit Union |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt | 0 | 2018-12-31 |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN | 0 | 340871103 |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt | 0 | 0 |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt | 0 | Not required |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt | 0 | 52775 Boston Hill Road |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm | 0 | Clarington |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd | 0 | OH |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd | 0 | 43815 |
| IRS990ScheduleN/OwnerOfSuccessorInd | 0 | 0 |
| IRS990ScheduleN/ReceiveCompensationInd | 0 | 1 |
| IRS990ScheduleN/RequiredToNotifyAGInd | 0 | 1 |
| IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt | 0 | Ohio Valley Community Credit Union converted from a state chartered to a federally chartered credit union as of December 31, 2018. The credit union is now known as Ohio Valley Community Federal Credit Union. |
| IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt | 1 | All members of the Board of Directors and employees of Ohio Valley Community Credit Union now hold the same positions with Ohio Valley Community Federal Credit Union. |
| IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt | 2 | Transfer of assets not required. Only the credit union charter type changed. |
| IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Schedule N, Part I, Line 1 |
| IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Schedule N, Part I, Line 2 |
| IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Schedule N, Part I, Line 3 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | The Credit Union is comprised of a single class of approximately 12,400 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 National Credit Union Administration. Approval occurs when at least 50% 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. The results of the review are presented to 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 is presented to the full Board for approval. The process is normally completed on an annual basis. |
| 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 | Enter this figure to zero out the capital accounts reconciliation |
| 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/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 1 |
| IRS990/TotalAssetsBOYAmt | 0 | 141837927 |
| IRS990/TotalAssetsEOYAmt | 0 | 0 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 141837927 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 54 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 5528676 |
| IRS990/TotalGrossUBIAmt | 0 | 21785 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 130291445 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 0 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 130291445 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 0 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 11546482 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 0 |
| 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 | 6062271 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 149000 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 832224 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 6045426 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 6899435 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 21785 |
| IRS990/TotalVolunteersCnt | 0 | 7 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 141837927 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 0 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 10117 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 52775 Boston Hill Road |
| IRS990/USAddress/CityNm | 0 | Clarington |
| IRS990/USAddress/StateAbbreviationCd | 0 | OH |
| IRS990/USAddress/ZIPCd | 0 | 43915 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | www.ohiovalleycu.org |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2019-02-21 02:37:17Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Gregory Harper |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 7404832279 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2019-04-15 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | OHIO VALLEY COMMUNITY FEDERAL CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | OHIO |
| ReturnHeader/Filer/EIN | 0 | 340871103 |
| ReturnHeader/Filer/PhoneNum | 0 | 7404832279 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 52775 Boston Hill Road |
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Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.