Civic Intelligence

North Coast Credit Union

EIN 34-0894391 • 501(c)14 • Fairview Park, OH

Profile

It is the mission of north coast credit union to exceed expectations with superior service and products that will promote members' financial success, while operating in a financially sound, ethical manner.

22735 Lorain RoadFairview Park, OH 44126

www.nccuonline.com

Siviq Scores

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

Liabilities / Assets

7th percentile

0.00x

Higher debt load relative to assets than 7% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

8th percentile

0.07x

Higher debt load relative to revenue than 8% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

58th percentile

9.9%

Higher net margin than 58% of similar nonprofits.

501(c)14 • $10M-$25M 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

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2024

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2024

Balance Sheet
Liabilities / Assets7th percentile

Assets

Down

$15,817,676

Down $794,040 (-4.8%) from 2023

Liabilities

Up

$61,095

Up $23,168 (+61%) from 2023

Net Assets

Down

$15,756,581

Down $817,208 (-4.9%) from 2023

Operations
Liabilities / Revenue8th percentileNet Margin58th percentile

Revenue

Up

$928,919

Up $73,607 (+8.6%) from 2023

Expenses

Up

$836,935

Up $68,510 (+8.9%) from 2023

Net Income

Up

$91,984

Up $5,097 (+5.9%) from 2023

Trend Graphs

Balance Sheet Trend

Asset GrowthScore unavailable

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

$20M$15M$10M$5.0M$0-$5.0MAssets 2010: $13,179,451Liabilities 2010: $15,457Net Assets 2010: $13,163,9942010Assets 2012: $11,908,123Liabilities 2012: $72,324Net Assets 2012: $11,835,7992012Assets 2013: $12,089,777Liabilities 2013: $53,829Net Assets 2013: $12,035,9482013Assets 2014: $12,383,145Liabilities 2014: $74,066Net Assets 2014: $12,309,0792014Assets 2015: $12,277,369Liabilities 2015: $68,323Net Assets 2015: $12,209,0462015Assets 2016: $13,052,532Liabilities 2016: $69,125Net Assets 2016: $12,983,4072016Assets 2017: $12,362,653Liabilities 2017: $54,125Net Assets 2017: $12,308,5282017Assets 2018: $12,710,183Liabilities 2018: $45,488Net Assets 2018: $12,664,6952018Assets 2019: $12,551,706Liabilities 2019: $38,089Net Assets 2019: $12,513,6172019Assets 2020: $14,498,126Liabilities 2020: $79,015Net Assets 2020: $14,419,1112020Assets 2021: $16,528,427Liabilities 2021: $49,322Net Assets 2021: $16,479,1052021Assets 2022: $16,673,960Liabilities 2022: -$64,393Net Assets 2022: $16,738,3532022Assets 2023: $16,611,716Liabilities 2023: $37,927Net Assets 2023: $16,573,7892023Assets 2024: $15,817,676Liabilities 2024: $61,095Net Assets 2024: $15,756,5812024

Highlighted filing

2024

Assets$15,817,676
Liabilities$61,095
Net Assets$15,756,581
Open 2024 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $547,9642010Expenses 2012: $1,429,3402012Revenue 2013: $364,494Expenses 2013: $735,458Net Income 2013: -$370,9642013Revenue 2014: $432,650Expenses 2014: $682,642Net Income 2014: -$249,9922014Revenue 2015: $479,994Expenses 2015: $673,886Net Income 2015: -$193,8922015Revenue 2016: $521,522Expenses 2016: $659,370Net Income 2016: -$137,8482016Revenue 2017: $564,111Expenses 2017: $678,996Net Income 2017: -$114,8852017Revenue 2018: $622,127Expenses 2018: $672,852Net Income 2018: -$50,7252018Revenue 2019: $659,702Expenses 2019: $675,745Net Income 2019: -$16,0432019Revenue 2020: $598,030Expenses 2020: $702,874Net Income 2020: -$104,8442020Revenue 2021: $1,536,107Expenses 2021: $655,211Net Income 2021: $880,8962021Revenue 2022: $1,330,622Expenses 2022: $748,450Net Income 2022: $582,1722022Revenue 2023: $855,312Expenses 2023: $768,425Net Income 2023: $86,8872023Revenue 2024: $928,919Expenses 2024: $836,935Net Income 2024: $91,9842024

Highlighted filing

2024

Revenue$928,919
Expenses$836,935
Net Income$91,984
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
$15,817,676
Liabilities
$61,095
Net assets
$15,756,581
Revenue
$928,919
Expenses
$836,935
Net income
$91,984
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.8$0.06$15.8$0.93$0.84$0.09
2023Detailed filing. Detailed filing data is available for this year.$16.6$0.04$16.6$0.86$0.77$0.09
2022Detailed filing. Detailed filing data is available for this year.$16.7$0.06$16.7$1.33$0.75$0.58
2021Detailed filing. Detailed filing data is available for this year.$16.5$0.05$16.5$1.54$0.66$0.88
2020Detailed filing. Detailed filing data is available for this year.$14.5$0.08$14.4$0.60$0.70$0.10
2019Detailed filing. Detailed filing data is available for this year.$12.6$0.04$12.5$0.66$0.68$0.02
2018Detailed filing. Detailed filing data is available for this year.$12.7$0.05$12.7$0.62$0.67$0.05
2017Detailed filing. Detailed filing data is available for this year.$12.4$0.05$12.3$0.56$0.68$0.11
2016Detailed filing. Detailed filing data is available for this year.$13.1$0.07$13.0$0.52$0.66$0.14
2015Detailed filing. Detailed filing data is available for this year.$12.3$0.07$12.2$0.48$0.67$0.19
2014Detailed filing. Detailed filing data is available for this year.$12.4$0.07$12.3$0.43$0.68$0.25
2013Detailed filing. Detailed filing data is available for this year.$12.1$0.05$12.0$0.36$0.74$0.37
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.9$0.07$11.8$1.43
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.2$0.02$13.2$0.55
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 26, 2025
Return Version
2024v5.0
Gross Receipts
$928,919
Mission and Program Overview

Mission

It is the mission of north coast credit union to exceed expectations with superior service and products that will promote members' financial success, while operating in a financially sound, ethical manner.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$16,573,789$15,756,581▼ $817,208
Other Notes and Loans Receivable, Net$7,774,278$7,514,401▼ $259,877
Land, Buildings, and Equipment, Net$796,995$772,025▼ $24,970
Receivables From Officers Etc$532,420$571,684▲ $39,264
Accounts Receivable$136,941$207,014▲ $70,073
Cash and Non-Interest-Bearing Accounts$136,897$102,996▼ $33,901
Savings and Temporary Cash Investments$261,176$22,243▼ $238,933
Prepaid Expenses and Deferred Charges$11,424$11,233▼ $191
Total Assets$16,611,716$15,817,676▼ $794,040
Other Assets Total$6,961,585$6,616,080▼ $345,505
Liabilities
Accounts Payable and Accrued Expenses$37,927$61,095▲ $23,168
Total Liabilities$37,927$61,095▲ $23,168
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,573,789$15,756,581▼ $817,208
Total Liabilities and Net Assets / Fund Balance$16,611,716$15,817,676▼ $794,040

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$587,533$248,283$835,816
Equipment$34,492$128,838$163,330
Land$150,000-$150,000
Other Assets Org$54,802--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Bryan BoykoPresidentFT$131,335$3,940$135,275

Board Members and Trustees

NameTitle
Jeffrey RechenbachChairman
Raymond MarvarVice Chairma
Jim RokakisDirector
Linda HintonDirector
Patrick CooneyDirector
Bonnie LacauseSecretary
Ralph McgreevyTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$583,686
Investment Income
$345,233
Other Revenue
$0
Change in Net Assets
$91,984
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$447,527
Salaries, Compensation, and Employee Benefits$329,320
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$164,092
Current Officers, Directors, Trustees, and Key Employees---$131,335
Information Technology---$97,527
Office Expenses---$92,205
Benefits to Members---$60,088
Depreciation Depletion---$32,573
Fees for Services Accounting---$25,394
Payroll Taxes---$23,404
Occupancy---$22,307
Insurance---$18,646
Fees for Services Other---$13,683
Advertising---$10,411
Other Expenses---$9,864
All Other Expenses---$8,601
Pension Plan Contributions---$7,920
Conferences and Meetings---$6,954
Other Employee Benefits---$2,569
Fees for Services Legal---$2,500
Travel---$389
Total Functional Expenses$0$0$0$836,935
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$532,420$571,684▲ $39,264
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is comprised of a single class of 1,414 member-owners, each of which has equal rights in ownership, governance and voting rights at the annual meetings.”

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 simple plurality vote.”

Form 990, Page 6, Part VI, Line 11B

“The credit union's management reviews form 990 first. After management's review, form 990 is presented to the credit union's board of directors for review.”

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

“The ceo's salary was reviewed and approved by the ohio department of commerce, division of financial institutions (dfi). Dfi reviews the ceo's credentials and salary requirement to make sure they were in line with industry standards.”

Form 990, Page 6, Part VI, Line 19

“The credit union's bylaws and conflict of interest policy is not made public, financial information is available upon request.”

Filing and Contact Details

Filer

Filer Name
North Coast Credit Union
EIN
34-0894391
Phone
4407340400
Address
22735 LORAIN ROAD, FAIRVIEW PARK, OH 44126

Signing Officer

Name
Bryan Boyko
Title
President
Phone
4403336366
Signed
2025-08-26

Organization Details

Principal Officer
Bryan Boyko
Formed
1958
Legal Domicile
Oh
Voting Board Members
8
Independent Board Members
7
Employees
4
Volunteers
7

Preparer

Firm
Waverly Business Services
Address
180 A COMMERCE PARK DR, WESTERVILLE, OH 43082
Preparer
Erin Alderson Ea
Phone
6148906620
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Decrease in member deposits -909,192”

Raw XML Appendix396 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/ProgSrvcAccomActy2Grp/Desc0DIRECT LABOR AND EMPLOYEE BENEFIT COSTS INCURRED PROVIDING SAVINGS DEPOSIT SERVICES, ORIGINATING NEW LOANS AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS.
IRS990/ProgSrvcAccomActy3Grp/Desc0DATA PROCESSING COSTS INCURRED RECORDING MEMBER ACCOUNT ACTIVITY AND PROVIDING MEMBERS ACCESS TO THEIR ACCOUNTS VIA HOME BANKING AND IN PERSON AT THE CREDIT UNION OFFICE.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt026075
IRS990/PYInvestmentIncomeAmt0296799
IRS990/PYOtherExpensesAmt0443821
IRS990/PYProgramServiceRevenueAmt0558513
IRS990/PYRevenuesLessExpensesAmt086887
IRS990/PYSalariesCompEmpBnftPaidAmt0298529
IRS990/PYTotalExpensesAmt0768425
IRS990/PYTotalRevenueAmt0855312
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0532420
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0571684
IRS990/ReconcilationRevenueExpnssAmt091984
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0261176
IRS990/SavingsAndTempCashInvstGrp/EOYAmt022243
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0587533
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0248283
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0835816
IRS990ScheduleD/EquipmentGrp/BookValueAmt034492
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0128838
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0163330
IRS990ScheduleD/LandGrp/BookValueAmt0150000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0150000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt05281000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1865740
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2195225
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3127460
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt491853
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt554802
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0JUMBO CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1FED PLUS ACCOUNT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2OTHER INVESTMENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3INSURANCE FUND DEP
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4SPLIT DOLLAR RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc5CORPORATE CREDIT UNION
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0772025
IRS990ScheduleD/TotalBookValueOtherAssetsAmt06616080
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0205147
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1136286
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt296742
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt356915
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt449705
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt516605
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt610284
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0254131
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1155261
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt2131868
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt359000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt450000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt520000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt639150
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0BRYAN BOYKO - 2
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1BONNIE LACAUSE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2JIM ROKAKIS - 2
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3BRYAN BOYKO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4JIM ROKAKIS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5RAY MARVAR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6BRYAN BOYKO - 1
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1SECRETARY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5VICE CHAIRMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/TotalBalanceDueAmt0571684
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF 1,414 MEMBER-OWNERS, EACH OF WHICH HAS EQUAL RIGHTS IN OWNERSHIP, GOVERNANCE AND VOTING RIGHTS AT THE ANNUAL MEETINGS.
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 SIMPLE PLURALITY VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION'S MANAGEMENT REVIEWS FORM 990 FIRST. AFTER MANAGEMENT'S REVIEW, FORM 990 IS PRESENTED TO THE CREDIT UNION'S BOARD OF DIRECTORS FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CEO'S SALARY WAS REVIEWED AND APPROVED BY THE OHIO DEPARTMENT OF COMMERCE, DIVISION OF FINANCIAL INSTITUTIONS (DFI). DFI REVIEWS THE CEO'S CREDENTIALS AND SALARY REQUIREMENT TO MAKE SURE THEY WERE IN LINE WITH INDUSTRY STANDARDS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION'S BYLAWS AND CONFLICT OF INTEREST POLICY IS NOT MADE PUBLIC, FINANCIAL INFORMATION IS AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DECREASE IN MEMBER DEPOSITS -909,192
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 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt016611716
IRS990/TotalAssetsEOYAmt015817676
IRS990/TotalAssetsGrp/BOYAmt016611716
IRS990/TotalAssetsGrp/EOYAmt015817676
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0836935
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt037927
IRS990/TotalLiabilitiesEOYAmt061095
IRS990/TotalLiabilitiesGrp/BOYAmt037927
IRS990/TotalLiabilitiesGrp/EOYAmt061095
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt016573789
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt015756581
IRS990/TotalOtherCompensationAmt03940
IRS990/TotalProgramServiceRevenueAmt0583686
IRS990/TotalReportableCompFromOrgAmt0131335
IRS990/TotalRevenueGrp/ExclusionAmt0345233
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0583686
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0928919
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt016611716
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt015817676
IRS990/TravelGrp/TotalAmt0389
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.NCCUONLINE.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0BRYAN BOYKO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum04403336366
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-08-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NORTH COAST CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0NORT
ReturnHeader/Filer/EIN0340894391
ReturnHeader/Filer/PhoneNum04407340400
ReturnHeader/Filer/USAddress/AddressLine1Txt022735 LORAIN ROAD
ReturnHeader/Filer/USAddress/CityNm0FAIRVIEW PARK
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd044126
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0994503147
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WAVERLY BUSINESS SERVICES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0180 A COMMERCE PARK DR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WESTERVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd043082
ReturnHeader/PreparerPersonGrp/PhoneNum06148906620
ReturnHeader/PreparerPersonGrp/PreparationDt02025-08-26
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ERIN ALDERSON EA
ReturnHeader/ReturnTs02025-08-28T10:50:19-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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