Civic Intelligence

983 Advantage Credit Union Inc

EIN 34-0893994 • 501(c)14 • Mansfield, OH

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Profile

The mission of advantage credit union is to provide a full range of quality financial services in a cost efficient, courteous, and professional manner that recognizes the members status as "owners".

700 N Stumbo RoadMansfield, OH 44906

www.advantage4.org

Siviq Scores

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

Liabilities / Assets

96th percentile

0.94x

Higher debt load relative to assets than 96% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

44th percentile

16.66x

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

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

28th percentile

2.0%

Higher net margin than 28% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

27th percentile

-3.5%

Faster asset growth than 27% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2024

Revenue Growth

47th percentile

9.1%

Faster revenue growth than 47% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets96th percentile

Assets

Down

$41,325,120

Down $2,455,110 (-5.6%) from 2023

Liabilities

Down

$38,869,248

Down $2,733,143 (-6.6%) from 2023

Net Assets

Up

$2,455,872

Up $278,033 (+13%) from 2023

Operations
Liabilities / Revenue44th percentileNet Margin28th percentile

Revenue

Up

$2,333,664

Up $23,697 (+1.0%) from 2023

Expenses

Up

$2,286,085

Up $116,169 (+5.4%) from 2023

Net Income

Down

$47,579

Down $92,472 (-66%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth27th percentile

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

$60M$40M$20M$0Assets 2010: $38,961,133Liabilities 2010: $34,805,361Net Assets 2010: $4,155,7722010Assets 2011: $43,544,129Liabilities 2011: $39,481,907Net Assets 2011: $4,062,2222011Assets 2012: $45,001,322Liabilities 2012: $40,972,954Net Assets 2012: $4,028,3682012Assets 2013: $42,026,816Liabilities 2013: $39,491,788Net Assets 2013: $2,535,0282013Assets 2014: $39,945,581Liabilities 2014: $36,925,406Net Assets 2014: $3,020,1752014Assets 2015: $37,780,231Liabilities 2015: $34,894,745Net Assets 2015: $2,885,4862015Assets 2016: $36,743,311Liabilities 2016: $33,922,633Net Assets 2016: $2,820,6782016Assets 2017: $37,897,412Liabilities 2017: $34,931,999Net Assets 2017: $2,965,4132017Assets 2018: $37,074,828Liabilities 2018: $33,954,369Net Assets 2018: $3,120,4592018Assets 2019: $35,797,158Liabilities 2019: $32,287,569Net Assets 2019: $3,509,5892019Assets 2020: $39,131,311Liabilities 2020: $35,419,405Net Assets 2020: $3,711,9062020Assets 2021: $43,696,136Liabilities 2021: $40,166,562Net Assets 2021: $3,529,5742021Assets 2022: $44,334,911Liabilities 2022: $42,227,385Net Assets 2022: $2,107,5262022Assets 2023: $43,780,230Liabilities 2023: $41,602,391Net Assets 2023: $2,177,8392023Assets 2024: $41,325,120Liabilities 2024: $38,869,248Net Assets 2024: $2,455,8722024

Highlighted filing

2024

Assets$41,325,120
Liabilities$38,869,248
Net Assets$2,455,872
Open 2024 Filing

Operations Trend

Revenue Growth47th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,252,3942010Expenses 2011: $2,434,2672011Expenses 2012: $2,049,0272012Revenue 2013: $1,723,704Expenses 2013: $2,181,831Net Income 2013: -$458,1272013Revenue 2014: $1,633,687Expenses 2014: $1,838,698Net Income 2014: -$205,0112014Revenue 2015: $1,705,445Expenses 2015: $1,811,743Net Income 2015: -$106,2982015Revenue 2016: $1,740,115Expenses 2016: $1,784,702Net Income 2016: -$44,5872016Revenue 2017: $1,880,235Expenses 2017: $1,743,313Net Income 2017: $136,9222017Revenue 2018: $1,956,210Expenses 2018: $1,735,595Net Income 2018: $220,6152018Revenue 2019: $1,861,052Expenses 2019: $1,609,760Net Income 2019: $251,2922019Revenue 2020: $1,726,391Expenses 2020: $1,617,483Net Income 2020: $108,9082020Revenue 2021: $1,658,949Expenses 2021: $1,585,494Net Income 2021: $73,4552021Revenue 2022: $1,962,272Expenses 2022: $1,871,412Net Income 2022: $90,8602022Revenue 2023: $2,309,967Expenses 2023: $2,169,916Net Income 2023: $140,0512023Revenue 2024: $2,333,664Expenses 2024: $2,286,085Net Income 2024: $47,5792024

Highlighted filing

2024

Revenue$2,333,664
Expenses$2,286,085
Net Income$47,579
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
$41,325,120
Liabilities
$38,869,248
Net assets
$2,455,872
Revenue
$2,333,664
Expenses
$2,286,085
Net income
$47,579
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.3$38.9$2.46$2.33$2.29$0.05
2023Detailed filing. Detailed filing data is available for this year.$43.8$41.6$2.18$2.31$2.17$0.14
2022Detailed filing. Detailed filing data is available for this year.$44.3$42.2$2.11$1.96$1.87$0.09
2021Detailed filing. Detailed filing data is available for this year.$43.7$40.2$3.53$1.66$1.59$0.07
2020Detailed filing. Detailed filing data is available for this year.$39.1$35.4$3.71$1.73$1.62$0.11
2019Detailed filing. Detailed filing data is available for this year.$35.8$32.3$3.51$1.86$1.61$0.25
2018Detailed filing. Detailed filing data is available for this year.$37.1$34.0$3.12$1.96$1.74$0.22
2017Detailed filing. Detailed filing data is available for this year.$37.9$34.9$2.97$1.88$1.74$0.14
2016Detailed filing. Detailed filing data is available for this year.$36.7$33.9$2.82$1.74$1.78$0.04
2015Detailed filing. Detailed filing data is available for this year.$37.8$34.9$2.89$1.71$1.81$0.11
2014Detailed filing. Detailed filing data is available for this year.$39.9$36.9$3.02$1.63$1.84$0.21
2013Detailed filing. Detailed filing data is available for this year.$42.0$39.5$2.54$1.72$2.18$0.46
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.0$41.0$4.03$2.05
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.5$39.5$4.06$2.43
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.0$34.8$4.16$2.25
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 12, 2025
Return Version
2024v5.0
Gross Receipts
$2,333,664
Mission and Program Overview

Mission

The mission of advantage credit union is to provide a full range of quality financial services in a cost efficient, courteous and professional manner that recognizes the members status as owners.

The mission of advantage credit union is to provide a full range of quality financial services in a cost efficient, courteous, and professional manner that recognizes the members status as "owners".

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$25,521,430$23,265,750▼ $2,255,680
Investments in Publicly Traded Securities$13,083,629$11,671,139▼ $1,412,490
Savings and Temporary Cash Investments$2,080,990$3,516,327▲ $1,435,337
Rtn Earn Endowment Incm Other Fnds$2,177,839$2,455,872▲ $278,033
Cash and Non-Interest-Bearing Accounts$1,071,154$928,400▼ $142,754
Land, Buildings, and Equipment, Net$776,898$818,835▲ $41,937
Prepaid Expenses and Deferred Charges$447,755$297,208▼ $150,547
Total Assets$43,780,230$41,325,120▼ $2,455,110
Other Assets Total$798,374$827,461▲ $29,087
Liabilities
Other Liabilities$41,481,855$38,780,453▼ $2,701,402
Accounts Payable and Accrued Expenses$97,917$69,747▼ $28,170
Deferred Revenue$22,619$19,048▼ $3,571
Total Liabilities$41,602,391$38,869,248▼ $2,733,143
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,177,839$2,455,872▲ $278,033
Total Liabilities and Net Assets / Fund Balance$43,780,230$41,325,120▼ $2,455,110

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$349,001$672,673$1,021,674
Equipment$241,710$492,299$734,009
Other Land Buildings$84,463$258,037$342,500
Land$143,661-$143,661
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Camille GraysonCEOFT$84,847$6,725$91,572
Amy LeinardCOOFT$73,177$5,124$78,301
Carl MountsDirector-$1,400-$1,400
Gary UttChairman-$1,400-$1,400
Gaylee WetzellSecretary-$1,400-$1,400
Robert GroveDirector-$1,400-$1,400
Ginger AntricanDirector-$1,250-$1,250
Steven AckermanDirector-$1,200-$1,200
Rush StumboVice Chairma-$950-$950
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,920,355
Investment Income
$413,309
Other Revenue
$0
Change in Net Assets
$47,579
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,236,320
Salaries, Compensation, and Employee Benefits$818,837
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$489,014--$489,014
Information Technology$330,151--$330,151
Benefits to Members$230,928--$230,928
Office Expenses$201,712--$201,712
Current Officers, Directors, Trustees, and Key Employees$178,873--$178,873
Occupancy$79,674--$79,674
Fees for Services Management$79,470--$79,470
Other Employee Benefits$72,604--$72,604
Advertising$63,762--$63,762
Depreciation Depletion$57,425--$57,425
Payroll Taxes$53,934--$53,934
Pension Plan Contributions$24,412--$24,412
Insurance$20,503--$20,503
Fees for Services Accounting$20,000--$20,000
Conferences and Meetings$3,679--$3,679
Fees for Services Legal$1,933--$1,933
Other Expenses$639--$639
All Other Expenses$550--$550
Total Functional Expenses$2,286,085$0$0$2,286,085
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

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

Other Reported Liabilities

LiabilityAmount
Member Savings and Cd Accounts$38,761,000
Lease - Right of Use Liability$19,453
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is comprised of a single class of approximately 5300 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 three-year terms on a rotating basis. Candidates are elected by a single plurality vote.”

Form 990, Page 6, Part VI, Line 7B

“Changes to the governing documents (bylaws) must be approved by the member-owners after they have been approved by the board of directors and the regulatory agency. Approval occurs when at least 50% of the member- owners vote to approve.”

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 the accuracy of every answer and the oversight of appropriate changes. Upon completion of the ceo's review, the forms are reviewed and voted on at a board meeting prior to submittal to the irs.”

Form 990, Page 6, Part VI, Line 12C

“Board members and officers annually complete a survey related to loans, business relationships, and family relationships that could, or do, create a conflict of interest. These are summarized and maintained in a document present at each board meeting. Conflicts of interest are determined by a review of the potential conflicts by the ceo and the board of directors. If a conflict exists, then the conflicted board member or officer is excluded from discussions and votes related to any potential or existing relationship involving the conflict of interest. If it is determined that a conflict of interest was intentionally hidden by a board member, then the situation would be investigated by the internal auditor and the board member could be suspended and subject to dismissal at a special meeting of all the member-owners. Additionally, the remaining board members and officers will review, for fairness, all past transactions involving the conflict of interest. If a transaction appears to lack arms-length, either to the detriment of the credit union or to the unfair advantage of the board member, then all legal remedies will be considered.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors annualy reviews the compensation of the ceo and top management with respect to their individual employment contracts, the financial condition of the credit union, and comparable compensation for similarly qualified persons in functionally comparable positions at similarly situated credit unions. These discussions are documented within the board minutes.”

Form 990, Page 6, Part VI, Line 15B

“The board of directors annualy reviews the compensation of the coo and other key employees with respect to their individual employment contracts, the financial condition of the credit union, and comparable compensation for similarly qualified persons in functionally comparable positions at similarly situated credit unions. These discussions are documentd within the board minutes.”

Form 990, Page 6, Part VI, Line 19

“The credit union makes copies of its governing documents and conflict of interest policy available to the membership upon request. Monthly financial statements are posted in the lobby of the credit union for its members inspection.”

Filing and Contact Details

Filer

Filer Name
983 Advantage Credit Union Inc
EIN
34-0893994
Phone
4195295603
Address
700 N STUMBO ROAD, MANSFIELD, OH 44906

Signing Officer

Name
Camille Grayson
Title
CEO
Phone
4195295603
Signed
2025-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Camille Grayson
Formed
1961
Legal Domicile
Oh
Voting Board Members
6
Independent Board Members
6
Employees
14

Preparer

Firm
Wilging Roush & Parsons Cpas
Address
1221D S TRIMBLE RD, MANSFIELD, OH 44907
Preparer
Randall S Roush
Phone
4195222727
Raw XML Appendix378 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/GrantsToOrganizationsInd0false
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IRS990/InformationTechnologyGrp/ProgramServicesAmt0330151
IRS990/InformationTechnologyGrp/TotalAmt0330151
IRS990/InsuranceGrp/ProgramServicesAmt020503
IRS990/InsuranceGrp/TotalAmt020503
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IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0THE MISSION OF ADVANTAGE CREDIT UNION IS TO PROVIDE A FULL RANGE OF QUALITY FINANCIAL SERVICES IN A COST EFFICIENT, COURTEOUS, AND PROFESSIONAL MANNER THAT RECOGNIZES THE MEMBERS STATUS AS "OWNERS".
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IRS990/OccupancyGrp/ProgramServicesAmt079674
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IRS990/OfficeExpensesGrp/TotalAmt0201712
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
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IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt072604
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IRS990/OtherExpensesGrp/Desc3BOARD STIPEND
IRS990/OtherExpensesGrp/ProgramServicesAmt0204076
IRS990/OtherExpensesGrp/ProgramServicesAmt1170146
IRS990/OtherExpensesGrp/ProgramServicesAmt22600
IRS990/OtherExpensesGrp/ProgramServicesAmt3639
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IRS990/OtherExpensesGrp/TotalAmt22600
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IRS990/OtherOrganizationDsc0CREDIT UNION
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IRS990/OtherWebsiteInd0X
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt023265750
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt053934
IRS990/PayrollTaxesGrp/TotalAmt053934
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt024412
IRS990/PensionPlanContributionsGrp/TotalAmt024412
IRS990/PoliticalCampaignActyInd0false
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IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2NON MEMBER ATM FEES
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1420198
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt240556
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IRS990/PYTotalExpensesAmt02169916
IRS990/PYTotalRevenueAmt02309967
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IRS990/RelatedEntityInd0false
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0349001
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0672673
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01021674
IRS990ScheduleD/EquipmentGrp/BookValueAmt0241710
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0492299
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0734009
IRS990ScheduleD/LandGrp/BookValueAmt0143661
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0143661
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt084463
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0258037
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0342500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt038761000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt119453
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SAVINGS AND CD ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1LEASE - RIGHT OF USE LIABILITY
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0818835
IRS990ScheduleD/TotalLiabilityAmt038780453
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF APPROXIMATELY 5300 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/ExplanationTxt1THE MEMBER-OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR THREE-YEAR TERMS ON A ROTATING BASIS. CANDIDATES ARE ELECTED BY A SINGLE PLURALITY VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CHANGES TO THE GOVERNING DOCUMENTS (BYLAWS) MUST BE APPROVED BY THE MEMBER-OWNERS AFTER THEY HAVE BEEN APPROVED BY THE BOARD OF DIRECTORS AND THE REGULATORY AGENCY. APPROVAL OCCURS WHEN AT LEAST 50% OF THE MEMBER- OWNERS VOTE TO APPROVE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PRIOR 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 THE ACCURACY OF EVERY ANSWER AND THE OVERSIGHT OF APPROPRIATE CHANGES. UPON COMPLETION OF THE CEO'S REVIEW, THE FORMS ARE REVIEWED AND VOTED ON AT A BOARD MEETING PRIOR TO SUBMITTAL TO THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4BOARD MEMBERS AND OFFICERS ANNUALLY COMPLETE A SURVEY RELATED TO LOANS, BUSINESS RELATIONSHIPS, AND FAMILY RELATIONSHIPS THAT COULD, OR DO, CREATE A CONFLICT OF INTEREST. THESE ARE SUMMARIZED AND MAINTAINED IN A DOCUMENT PRESENT AT EACH BOARD MEETING. CONFLICTS OF INTEREST ARE DETERMINED BY A REVIEW OF THE POTENTIAL CONFLICTS BY THE CEO AND THE BOARD OF DIRECTORS. IF A CONFLICT EXISTS, THEN THE CONFLICTED BOARD MEMBER OR OFFICER IS EXCLUDED FROM DISCUSSIONS AND VOTES RELATED TO ANY POTENTIAL OR EXISTING RELATIONSHIP INVOLVING THE CONFLICT OF INTEREST. IF IT IS DETERMINED THAT A CONFLICT OF INTEREST WAS INTENTIONALLY HIDDEN BY A BOARD MEMBER, THEN THE SITUATION WOULD BE INVESTIGATED BY THE INTERNAL AUDITOR AND THE BOARD MEMBER COULD BE SUSPENDED AND SUBJECT TO DISMISSAL AT A SPECIAL MEETING OF ALL THE MEMBER-OWNERS. ADDITIONALLY, THE REMAINING BOARD MEMBERS AND OFFICERS WILL REVIEW, FOR FAIRNESS, ALL PAST TRANSACTIONS INVOLVING THE CONFLICT OF INTEREST. IF A TRANSACTION APPEARS TO LACK ARMS-LENGTH, EITHER TO THE DETRIMENT OF THE CREDIT UNION OR TO THE UNFAIR ADVANTAGE OF THE BOARD MEMBER, THEN ALL LEGAL REMEDIES WILL BE CONSIDERED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS ANNUALY REVIEWS THE COMPENSATION OF THE CEO AND TOP MANAGEMENT WITH RESPECT TO THEIR INDIVIDUAL EMPLOYMENT CONTRACTS, THE FINANCIAL CONDITION OF THE CREDIT UNION, AND COMPARABLE COMPENSATION FOR SIMILARLY QUALIFIED PERSONS IN FUNCTIONALLY COMPARABLE POSITIONS AT SIMILARLY SITUATED CREDIT UNIONS. THESE DISCUSSIONS ARE DOCUMENTED WITHIN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS ANNUALY REVIEWS THE COMPENSATION OF THE COO AND OTHER KEY EMPLOYEES WITH RESPECT TO THEIR INDIVIDUAL EMPLOYMENT CONTRACTS, THE FINANCIAL CONDITION OF THE CREDIT UNION, AND COMPARABLE COMPENSATION FOR SIMILARLY QUALIFIED PERSONS IN FUNCTIONALLY COMPARABLE POSITIONS AT SIMILARLY SITUATED CREDIT UNIONS. THESE DISCUSSIONS ARE DOCUMENTD WITHIN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE CREDIT UNION MAKES COPIES OF ITS GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY AVAILABLE TO THE MEMBERSHIP UPON REQUEST. MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY OF THE CREDIT UNION FOR ITS MEMBERS INSPECTION.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsGrp/EOYAmt041325120
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IRS990/TotalGrossUBIAmt040556
IRS990/TotalLiabilitiesBOYAmt041602391
IRS990/TotalLiabilitiesEOYAmt038869248
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IRS990/TotalLiabilitiesGrp/EOYAmt038869248
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IRS990/TotalOtherCompensationAmt011849
IRS990/TotalProgramServiceRevenueAmt01920355
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IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt040556
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IRS990/USAddress/ZIPCd044906
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IRS990/WebsiteAddressTxt0WWW.ADVANTAGE4.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CAMILLE GRAYSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04195295603
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0983 ADVANTAGE CREDIT UNION INC
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ReturnHeader/Filer/PhoneNum04195295603
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WILGING ROUSH & PARSONS CPAS
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ReturnHeader/PreparerPersonGrp/PhoneNum04195222727
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RANDALL S ROUSH
ReturnHeader/ReturnTs02025-11-12T13:09:28-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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