Civic Intelligence

North Coast Credit Union

990 • Fiscal year 2019 • EIN 34-0894391

Jan 01, 2019 to Dec 31, 2019 • Filed on Oct 27, 2020

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

5th percentile

0.00x

Higher debt load relative to assets than 5% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Liabilities / Revenue

4th percentile

0.06x

Higher debt load relative to revenue than 4% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Net Margin

11th percentile

-2.4%

Higher net margin than 11% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Top Officer Pay

83rd percentile

$104,982

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 15.9% of source-year revenue.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Asset Growth

30th percentile

-1.2%

Faster asset growth than 30% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Revenue Growth

52nd percentile

6.0%

Faster revenue growth than 52% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets5th percentile

Assets

Down

$12,551,706

Down $158,477 (-1.2%) from 2018

Net Assets

Down

$12,513,617

Down $151,078 (-1.2%) from 2018

Liabilities

Down

$38,089

Down $7,399 (-16%) from 2018

Revenue And Expenses
Liabilities / Revenue4th percentileNet Margin11th percentile

Revenue

Up

$659,702

Up $37,575 (+6.0%) from 2018

Expenses

Up

$675,745

Up $2,893 (+0.4%) from 2018

Net Income

Up

-$16,043

Up $34,682 (+68%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth30th 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

2019

Assets$12,551,706
Liabilities$38,089
Net Assets$12,513,617
Open 2019 Filing

Operations Trend

Revenue Growth52nd 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

2019

Revenue$659,702
Expenses$675,745
Net Income-$16,043
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 27, 2020
Return Version
2019v5.0
Gross Receipts
$659,702
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$12,664,695$12,513,617▼ $151,078
Other Notes and Loans Receivable, Net$7,330,570$7,057,149▼ $273,421
Land, Buildings, and Equipment, Net$872,655$855,062▼ $17,593
Cash and Non-Interest-Bearing Accounts$106,647$108,905▲ $2,258
Prepaid Expenses and Deferred Charges$14,692$14,068▼ $624
Total Assets$12,710,183$12,551,706▼ $158,477
Other Assets Total$4,385,619$4,516,522▲ $130,903
Liabilities
Accounts Payable and Accrued Expenses$45,488$38,089▼ $7,399
Total Liabilities$45,488$38,089▼ $7,399
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,664,695$12,513,617▼ $151,078
Total Liabilities and Net Assets / Fund Balance$12,710,183$12,551,706▼ $158,477

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$695,735$130,136$825,871
Land$150,000-$150,000
Equipment$9,327$101,787$111,114
Other Assets Org$-5,803--
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Bryan BoykoManagerFT$101,924$3,058$104,982

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
$563,979
Investment Income
$95,723
Other Revenue
$0
Change in Net Assets
$-16,043
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$377,973
Salaries, Compensation, and Employee Benefits$276,310
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$145,446
Current Officers, Directors, Trustees, and Key Employees---$101,924
Office Expenses---$76,928
Information Technology---$55,168
Depreciation Depletion---$25,299
Benefits to Members---$21,462
Insurance---$20,529
Payroll Taxes---$19,179
All Other Expenses---$15,121
Fees for Services Accounting---$13,657
Advertising---$8,421
Other Expenses---$7,494
Pension Plan Contributions---$7,421
Occupancy---$6,353
Fees for Services Other---$5,303
Travel---$2,896
Conferences and Meetings---$2,787
Other Employee Benefits---$2,340
Total Functional Expenses$0$0$0$675,745
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 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 2,000 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
2020-10-27

Organization Details

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

Preparer

Firm
Buckingham Business Advisors 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 members deposits -135,035”

Raw XML Appendix337 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF 2,000 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 MEMBERS DEPOSITS -135,035
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
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt012710183
IRS990/TotalAssetsEOYAmt012551706
IRS990/TotalAssetsGrp/BOYAmt012710183
IRS990/TotalAssetsGrp/EOYAmt012551706
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0675745
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt045488
IRS990/TotalLiabilitiesEOYAmt038089
IRS990/TotalLiabilitiesGrp/BOYAmt045488
IRS990/TotalLiabilitiesGrp/EOYAmt038089
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt012664695
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt012513617
IRS990/TotalOtherCompensationAmt03058
IRS990/TotalProgramServiceRevenueAmt0563979
IRS990/TotalReportableCompFromOrgAmt0101924
IRS990/TotalRevenueGrp/ExclusionAmt095723
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0563979
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0659702
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012710183
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt012551706
IRS990/TravelGrp/TotalAmt02896
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IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.NCCUONLINE.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02021-04-22 16:20:28Z
ReturnHeader/BusinessOfficerGrp/PersonNm0BRYAN BOYKO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum04403336366
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-10-27
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/IPDt02020-11-04
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm013:19:31
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0472565485
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BUCKINGHAM BUSINESS ADVISORS 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/PreparationDt02020-11-03
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ERIN ALDERSON EA
ReturnHeader/ReturnTs02020-11-04T13:19:31-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$12,551,706
Liabilities
$38,089
Net assets
$12,513,617
Revenue
$659,702
Expenses
$675,745
Net income
-$16,043
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