Liabilities / Assets
77th percentile
Higher debt load relative to assets than 77% of similar nonprofits.
Lorain School Employees Credit Union Inc
EIN 34-0906223 • 501(c)14
Profile
To provide lending, savings, and other financial services to its qualifying members at terms generally better than available in the marketplace and with a service-based emphasis that recognizes the members' status as owners.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.90x
Liabilities / Revenue
90th percentile
Higher debt load relative to revenue than 90% of similar nonprofits.
Net Margin
52nd percentile
Higher net margin than 52% of similar nonprofits.
Top Officer Pay
44th percentile
Higher top officer pay than 44% of similar nonprofits.
Top officer pay equals 14.8% of source-year revenue.
Asset Growth
62nd percentile
Faster asset growth than 62% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
Up$15,682,234
Up $239,899 (+1.6%) from 2012
Liabilities
Up$14,136,226
Up $196,494 (+1.4%) from 2012
Net Assets
Up$1,546,008
Up $43,405 (+2.9%) from 2012
Revenue
$516,708
No earlier filing loaded for comparison.
Expenses
Down$473,303
Down $104,215 (-18%) from 2012
Net Income
$43,405
No earlier filing loaded for comparison.
Trend Graphs
Filings
Most recent year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $15,682,234
- Liabilities
- $14,136,226
- Net assets
- $1,546,008
- Revenue
- $516,708
- Expenses
- $473,303
- Net income
- $43,405
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Apr 1, 2014
- Return Version
- 2013v3.1
- Gross Receipts
- $516,708
Mission and Program Overview
Mission
To provide lending, savings, and other financial services to its qualifying members at terms generally better than available in the marketplace and with a service-based emphasis that recognizes the members' status as owners.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments Other Securities | $8,376,740 | $9,705,176 | ▲ $1,328,436 |
| Other Notes and Loans Receivable, Net | $5,103,410 | $4,451,979 | ▼ $651,431 |
| Rtn Earn Endowment Incm Other Fnds | $1,502,603 | $1,546,008 | ▲ $43,405 |
| Investments Program Related | $1,048,194 | $777,270 | ▼ $270,924 |
| Land, Buildings, and Equipment, Net | $266,783 | $247,059 | ▼ $19,724 |
| Savings and Temporary Cash Investments | $431,345 | $107,490 | ▼ $323,855 |
| Cash and Non-Interest-Bearing Accounts | $98,563 | $84,226 | ▼ $14,337 |
| Receivables From Officers Etc | $56,280 | $73,762 | ▲ $17,482 |
| Total Assets | $15,442,335 | $15,682,234 | ▲ $239,899 |
| Other Assets Total | $61,020 | $235,272 | ▲ $174,252 |
| Liabilities | |||
| Other Liabilities | $13,840,082 | $14,021,212 | ▲ $181,130 |
| Accounts Payable and Accrued Expenses | $99,650 | $115,014 | ▲ $15,364 |
| Total Liabilities | $13,939,732 | $14,136,226 | ▲ $196,494 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,502,603 | $1,546,008 | ▲ $43,405 |
| Total Liabilities and Net Assets / Fund Balance | $15,442,335 | $15,682,234 | ▲ $239,899 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $137,283 | $109,335 | $246,618 |
| Equipment | $20,638 | $84,877 | $105,515 |
| Land | $85,000 | - | $85,000 |
| Leasehold Improvements | $4,138 | $44,779 | $48,917 |
| Investment Program Related Org | $644,636 | - | - |
| Other Securities | $9,705,176 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Neil R Sommers | CEO | FT | $76,305 | $76,305 |
Board Members and Trustees
| Name | Title |
|---|---|
| Alan Irwin | Director |
| David Flores | Director |
| Henry Harsar | Director |
| Juanita Senquiz | Director |
| Michelle Spotts Hayes | Director |
| Robert Azzariti | Director |
| Steve Slanoc | Director |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $378,721
- Investment Income
- $118,087
- Other Revenue
- $19,900
- Change in Net Assets
- $43,405
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $189,854 |
| Salaries, Compensation, and Employee Benefits | $140,675 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Benefits to Members | - | - | - | $142,774 |
| Office Expenses | - | - | - | $125,535 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $76,305 |
| Other Salaries and Wages | - | - | - | $64,370 |
| Other Expenses | $9,791 | - | - | $9,791 |
| Conferences and Meetings | - | - | - | $7,500 |
| Interest | - | - | - | $16 |
| Total Functional Expenses | $0 | $0 | $0 | $473,303 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
Insider Transactions and Loans
Loans and Receivables
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $56,280 | $73,762 | ▲ $17,482 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Savings & Cd Accounts | $14,021,212 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- 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
- Yes
- Management duties delegated
- No
Governance Explanations
Members or stockholder classes and rights Part VI line 6
“The credit union is comprised of a single class of approximately 1500 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.”
Member election for additional members Part VI line 7A
“The member-owners of the credit union have the authority to elect the members of the board of directors for 3-year terms on a rotating basis. Candidates are elected by a simple plurality vote. The board of directors appoints volunteers to serve on the supervisory committee, which is vested with monitoring safety and soundness of the organization. The board of directors also appoints volunteers to serve on the credit committee.”
Governing body decisions 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. Voting takes place at the credit union's annual meeting in february of each year.”
Form 990 governing body review Part VI line 11
“The form 990 will be reviewed with the board of directors at the monthly meeting.”
Officer director etc mailing address Part VI line 9
“Robert azzariti - 759 parkview ave lorain oh 44052 david flores - 1826 e 29th st lorain oh 44055 paul gidich - 2342 eastlawn st lorain oh44052 henry harsar - 8213 oberlin rd elyria oh 44035 michelle spotts hayes - 395 washington circle oberlin oh 44074 alan irwin - 8879 riverwood dr n. Ridgeville oh 44039 patricia kalo - 4960 ridgeland st lorain oh 44055 steve slanoc - 3435 grant st lorain oh 44052 juanita senquiz - 1274 michigan ave lorain oh 44052”
CEO executive director top management comp Part VI line 15A
“Salary and benefits are reviewed by a sub-committe of the board of directors. Comparable data is reviewed from the cuna annual salary and benefits survey and projected at different percentage increases. The board of directors then approve a 3-payroll salary for the ceo/manager. Ceo/manager recommended a 3 year freeze on his salary for the contract years 2013-2014-2015, which was approved by the board of directors at the december, 2012 meeting.”
Governing documents etc available to public Part VI line 19
“Governing documents and financial statements are available at the credit union office.”
Filing and Contact Details
Filer
- EIN
- 34-0906223
Signing Officer
- Name
- Neil R Sommers
- Title
- CEO
- Phone
- 4402824600
- Signed
- 2014-04-01
- Discuss with paid preparer
- No
Organization Details
- Formed
- 1955
- Legal Domicile
- Oh
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 3
- Volunteers
- 16
Preparer
- Preparer
- Ronald Schmidt
- Phone
- 4405421536
Raw XML AppendixShowing 400 of 411 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/Form990ProvidedToGvrnBodyInd | 0 | true |
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| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | DIRECT LABOR AND EMPLOYEE BENEFIT COSTS INCURRED PROVIDING SAVINGS DEPOSIT SERVICES, ORIGINATING NEW LOANS AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 140675 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | PROVISION FOR LOAN LOSS EXPENSE INCURRED IN THE LOAN PORTFOLIO FOR MEMBERS |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 24881 |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 0 | OTHER OPERATING EXPENSES |
| IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt | 0 | 174899 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 185947 |
| IRS990/PYInvestmentIncomeAmt | 0 | 141438 |
| IRS990/PYOtherExpensesAmt | 0 | 255636 |
| IRS990/PYOtherRevenueAmt | 0 | 19200 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 426354 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 9474 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 135935 |
| IRS990/PYTotalExpensesAmt | 0 | 577518 |
| IRS990/PYTotalRevenueAmt | 0 | 586992 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 56280 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 73762 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 43405 |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 19900 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | true |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1502603 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1546008 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 431345 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 107490 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 137283 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 109335 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 246618 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 20638 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 84877 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 105515 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 132634 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 644636 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | MEMBERSHIP CAPITAL AT CORP CU |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | OTHER INVESTMENTS AT CORP CU |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 85000 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 85000 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 4138 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 44779 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 48917 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 14021212 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SAVINGS & CD ACCOUNTS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 9705176 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | DEPOSITS IN COMMERCIAL BANKS |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 247059 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 777270 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 9705176 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 14021212 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 8538 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 13247 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 2 | 6544 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 3 | 2553 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 4 | 23726 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 5 | 19154 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 2 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 3 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 4 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 5 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 2 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 3 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 4 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 5 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 1 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 2 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 3 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 4 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 5 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | PERSONAL LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 1 | PERSONAL LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 2 | Personal |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 3 | Personal |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 4 | Personal |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 5 | PERSONAL |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 10500 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 1 | 18970 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 2 | 22000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 3 | 10163 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 4 | 28552 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 5 | 22000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | DAVID FLORES |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 1 | NEIL SOMMERS |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 2 | Steve Slanoc |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 3 | Michelle Spotts-Hayes |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 4 | Michelle Spotts-Hayes |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 5 | NEIL SOMMERS |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 2 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 3 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 4 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 5 | false |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 73762 |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF APPROXIMATELY 1500 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/ExplanationTxt | 1 | THE MEMBER-OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR 3-YEAR TERMS ON A ROTATING BASIS. CANDIDATES ARE ELECTED BY A SIMPLE PLURALITY VOTE. THE BOARD OF DIRECTORS APPOINTS VOLUNTEERS TO SERVE ON THE SUPERVISORY COMMITTEE, WHICH IS VESTED WITH MONITORING SAFETY AND SOUNDNESS OF THE ORGANIZATION. THE BOARD OF DIRECTORS ALSO APPOINTS VOLUNTEERS TO SERVE ON THE CREDIT COMMITTEE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | 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. VOTING TAKES PLACE AT THE CREDIT UNION'S ANNUAL MEETING IN FEBRUARY OF EACH YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE FORM 990 WILL BE REVIEWED WITH THE BOARD OF DIRECTORS AT THE MONTHLY MEETING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | ROBERT AZZARITI - 759 PARKVIEW AVE LORAIN OH 44052 DAVID FLORES - 1826 E 29TH ST LORAIN OH 44055 PAUL GIDICH - 2342 EASTLAWN ST LORAIN OH44052 HENRY HARSAR - 8213 OBERLIN RD ELYRIA OH 44035 MICHELLE SPOTTS HAYES - 395 WASHINGTON CIRCLE OBERLIN OH 44074 ALAN IRWIN - 8879 RIVERWOOD DR N. RIDGEVILLE OH 44039 PATRICIA KALO - 4960 RIDGELAND ST LORAIN OH 44055 STEVE SLANOC - 3435 GRANT ST LORAIN OH 44052 JUANITA SENQUIZ - 1274 MICHIGAN AVE LORAIN OH 44052 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | SALARY AND BENEFITS ARE REVIEWED BY A SUB-COMMITTE OF THE BOARD OF DIRECTORS. COMPARABLE DATA IS REVIEWED FROM THE CUNA ANNUAL SALARY AND BENEFITS SURVEY AND PROJECTED AT DIFFERENT PERCENTAGE INCREASES. THE BOARD OF DIRECTORS THEN APPROVE A 3-PAYROLL SALARY FOR THE CEO/MANAGER. CEO/MANAGER RECOMMENDED A 3 YEAR FREEZE ON HIS SALARY FOR THE CONTRACT YEARS 2013-2014-2015, WHICH WAS APPROVED BY THE BOARD OF DIRECTORS AT THE DECEMBER, 2012 MEETING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE AT THE CREDIT UNION OFFICE. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Members or stockholder classes and rights Part VI line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Member election for additional members Part VI line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Governing body decisions Part VI line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990 governing body review Part VI line 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Officer director etc mailing address Part VI line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | CEO executive director top management comp Part VI line 15a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Governing documents etc available to public Part VI line 19 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 15442335 |
| IRS990/TotalAssetsEOYAmt | 0 | 15682234 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 15442335 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 15682234 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 3 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 473303 |
| IRS990/TotalGrossUBIAmt | 0 | 19900 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 13939732 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 14136226 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 13939732 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 14136226 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1502603 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1546008 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcExpenseAmt | 0 | 174899 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 473303 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 378721 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 76305 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 496808 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 516708 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 19900 |
| IRS990/TotalVolunteersCnt | 0 | 16 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 15442335 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 15682234 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TransactionWithControlEntInd | 0 | false |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | true |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.LORAINSCHOOLECU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2016-03-07 17:11:31Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | false |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | NEIL R SOMMERS |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 4402824600 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2014-04-01 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1 | 0 | LORAIN SCH EMPLOYEES CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | LORA |
| ReturnHeader/Filer/EIN | 0 | 340906223 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 4459 OBERLIN AVE |
| ReturnHeader/Filer/USAddress/City | 0 | LORAIN |
| ReturnHeader/Filer/USAddress/State | 0 | OH |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 44053 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 205124788 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1 | 0 | CBS Certified Public Accountants |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1 | 0 | 34305 Solon Road 10 |
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