Civic Intelligence

North Coast Credit Union

990 • Fiscal year 2017 • EIN 34-0894391

Jan 01, 2017 to Dec 31, 2017 • Filed on Oct 01, 2018

Organization ProfileWWW.NCCUONLINE.COM
22735 Lorain RoadFairview Park, OH 44126

(440) 734-0400

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

7th percentile

0.00x

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

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

6th percentile

0.10x

Higher debt load relative to revenue than 6% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Net Margin

4th percentile

-20%

Higher net margin than 4% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

81st percentile

$95,897

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 17.0% of source-year revenue.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Asset Growth

9th percentile

-5.3%

Faster asset growth than 9% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

76th percentile

8.2%

Faster revenue growth than 76% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets7th percentile

Assets

Down

$12,362,653

Down $689,879 (-5.3%) from 2016

Net Assets

Down

$12,308,528

Down $674,879 (-5.2%) from 2016

Liabilities

Down

$54,125

Down $15,000 (-22%) from 2016

Revenue And Expenses
Liabilities / Revenue6th percentileNet Margin4th percentile

Revenue

Up

$564,111

Up $42,589 (+8.2%) from 2016

Expenses

Up

$678,996

Up $19,626 (+3.0%) from 2016

Net Income

Up

-$114,885

Up $22,963 (+17%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth9th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2017

Assets$12,362,653
Liabilities$54,125
Net Assets$12,308,528
Open 2017 Filing

Operations Trend

Revenue Growth76th percentile

Revenue, expenses, and net income across loaded years, with this 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

2017

Revenue$564,111
Expenses$678,996
Net Income-$114,885
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Oct 1, 2018
Return Version
2017v2.3
Gross Receipts
$564,111
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$12,983,407$12,308,528▼ $674,879
Other Notes and Loans Receivable, Net$6,775,048$7,077,743▲ $302,695
Land, Buildings, and Equipment, Net$898,250$898,429▲ $179
Cash and Non-Interest-Bearing Accounts$74,356$80,442▲ $6,086
Prepaid Expenses and Deferred Charges$10,841$8,521▼ $2,320
Accounts Receivable-$4,900-
Total Assets$13,052,532$12,362,653▼ $689,879
Other Assets Total$5,294,037$4,292,618▼ $1,001,419
Liabilities
Accounts Payable and Accrued Expenses$69,125$54,125▼ $15,000
Total Liabilities$69,125$54,125▼ $15,000
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,983,407$12,308,528▼ $674,879
Total Liabilities and Net Assets / Fund Balance$13,052,532$12,362,653▼ $689,879

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$731,857$86,308$818,165
Land$150,000-$150,000
Equipment$16,572$94,542$111,114
Other Assets Org$13,204--
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Bryan BoykoManagerFT$93,458$2,439$95,897

Board Members and Trustees

NameTitle
Jeffrey RechenbachPresident
Jim RokakisBoard Member
Linda HintonBoard Member
Ralph McgreevyBoard Member
Bonnie LacauseSecretary
Hugh WalshTreasurer
Raymond MarvarVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$515,787
Investment Income
$46,741
Other Revenue
$1,583
Change in Net Assets
$-114,885
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$406,129
Salaries, Compensation, and Employee Benefits$265,319
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$144,478
Current Officers, Directors, Trustees, and Key Employees---$93,458
Office Expenses---$69,879
Information Technology---$54,516
Depreciation Depletion---$25,265
Advertising---$22,582
Payroll Taxes---$18,817
Insurance---$17,681
Fees for Services Accounting---$13,200
Occupancy---$8,784
All Other Expenses---$7,899
Benefits to Members---$7,548
Fees for Services Other---$5,552
Travel---$5,481
Pension Plan Contributions---$5,292
Other Expenses---$4,416
Fees for Services Legal---$3,750
Other Employee Benefits---$3,274
Conferences and Meetings---$1,995
Total Functional Expenses$0$0$0$678,996
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
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
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 2,177 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
Manager
Phone
4403336366
Signed
2018-10-01

Organization Details

Principal Officer
Bryan Boyko
Formed
1958
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
7
Employees
5
Volunteers
7

Preparer

Firm
Weston & Company Cpas LLC
Address
180-A COMMERCE PARK DR, WESTERVILLE, OH 43082-6067
Preparer
Erin Alderson Ea
Phone
6148906620
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Decrease in member deposits -576,858”

Raw XML Appendix345 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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IRS990ScheduleD/OtherAssetsOrgGrp/Desc0JUMBO CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1CASH ACCOUNT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2FED PLUS ACCOUNT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3CORPORATE CREDIT UNION
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4OTHER INVESTMENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc5INSURANCE FUND DEP
IRS990ScheduleD/OtherAssetsOrgGrp/Desc6PARKVIEW FEDERAL MONEY MARKET
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0898429
IRS990ScheduleD/TotalBookValueOtherAssetsAmt04292618
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF 2,177 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 -576,858
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/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt013052532
IRS990/TotalAssetsEOYAmt012362653
IRS990/TotalAssetsGrp/BOYAmt013052532
IRS990/TotalAssetsGrp/EOYAmt012362653
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0678996
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt069125
IRS990/TotalLiabilitiesEOYAmt054125
IRS990/TotalLiabilitiesGrp/BOYAmt069125
IRS990/TotalLiabilitiesGrp/EOYAmt054125
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt012983407
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt012308528
IRS990/TotalOtherCompensationAmt02439
IRS990/TotalProgramServiceRevenueAmt0515787
IRS990/TotalReportableCompFromOrgAmt093458
IRS990/TotalRevenueGrp/ExclusionAmt046741
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0517370
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0564111
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt013052532
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt012362653
IRS990/TravelGrp/TotalAmt05481
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.NCCUONLINE.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/PersonNm0BRYAN BOYKO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum04403336366
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-10-01
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/FilingSecurityInformation/AtSubmissionCreationDeviceId0D23EF5D91A07FFE5CFCD32D7F8E5BA995150694A
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0D23EF5D91A07FFE5CFCD32D7F8E5BA995150694A
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt066.104.102.140
ReturnHeader/FilingSecurityInformation/IPDt02018-10-25
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm011:21:33
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0273731447
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WESTON & COMPANY CPAS LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0180-A COMMERCE PARK DR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WESTERVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0430826067
ReturnHeader/PreparerPersonGrp/PhoneNum06148906620
ReturnHeader/PreparerPersonGrp/PreparationDt02018-10-01
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ERIN ALDERSON EA
ReturnHeader/ReturnTs02018-10-25T12:21:33-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$12,362,653
Liabilities
$54,125
Net assets
$12,308,528
Revenue
$564,111
Expenses
$678,996
Net income
-$114,885
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