Civic Intelligence

953 Girard Credit Union Inc

EIN 34-0970124 • 501(c)14 • girard, OH

Profile

Member owned non profit credit union providing members with affordable loans and good return on savings accounts

PO Box 98girard, OH 44420
Siviq Scores

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

Liabilities / Assets

78th percentile

0.87x

Higher debt load relative to assets than 78% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2021

Liabilities / Revenue

96th percentile

32.39x

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

501(c)14 • $1M-$5M nonprofits • Source year 2021

Net Margin

4th percentile

-149%

Higher net margin than 4% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2021

Top Officer Pay

24th percentile

$11,565

Higher top officer pay than 24% of similar nonprofits.

Top officer pay equals 21.9% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2021

Asset Growth

95th percentile

6.2%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Revenue Growth

37th percentile

-11%

Faster revenue growth than 37% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets78th percentile

Assets

Up

$1,961,083

Up $113,762 (+6.2%) from 2020

Liabilities

Up

$1,714,198

Up $192,501 (+13%) from 2020

Net Assets

Down

$246,885

Down $78,739 (-24%) from 2020

Operations
Liabilities / Revenue96th percentileNet Margin4th percentile

Revenue

Down

$52,919

Down $6,655 (-11%) from 2020

Expenses

Up

$131,658

Up $80,372 (+157%) from 2020

Net Income

Down

-$78,739

Down $87,027 (-1050%) from 2020

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2020: $1,847,321Liabilities 2020: $1,521,697Net Assets 2020: $325,6242020Assets 2021: $1,961,083Liabilities 2021: $1,714,198Net Assets 2021: $246,8852021

Highlighted filing

2021

Assets$1,961,083
Liabilities$1,714,198
Net Assets$246,885
Open 2021 Filing

Operations Trend

Revenue Growth37th percentile

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

$200K$100K$0-$100KRevenue 2020: $59,574Expenses 2020: $51,286Net Income 2020: $8,2882020Revenue 2021: $52,919Expenses 2021: $131,658Net Income 2021: -$78,7392021

Highlighted filing

2021

Revenue$52,919
Expenses$131,658
Net Income-$78,739
Open 2021 Filing

Filings

Most recent year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,961,083
Liabilities
$1,714,198
Net assets
$246,885
Revenue
$52,919
Expenses
$131,658
Net income
-$78,739
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$1.96$1.71$0.25$0.05$0.13$0.08
2020Detailed filing. Detailed filing data is available for this year.$1.85$1.52$0.33$0.06$0.05$0.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Feb 2, 2022
Return Version
2021v4.0
Gross Receipts
$52,919
Mission and Program Overview

Mission

Member owned non profit credit union providing members with affordable loans and good return on savings accounts

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,175,478$1,107,630▼ $67,848
Investments Program Related$457,031$466,461▲ $9,430
Cash and Non-Interest-Bearing Accounts$150,650$319,970▲ $169,320
Rtn Earn Endowment Incm Other Fnds$325,624$246,885▼ $78,739
Savings and Temporary Cash Investments$63,087$63,273▲ $186
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,846,416$1,961,083▲ $114,667
Other Assets Total$170$3,749▲ $3,579
Liabilities
Other Liabilities$1,520,792$1,706,592▲ $185,800
Accounts Payable and Accrued Expenses$0$7,606▲ $7,606
Total Liabilities$1,520,792$1,714,198▲ $193,406
Net Assets / Fund Balance
Total Net Assets Fund Balance$325,624$246,885▼ $78,739
Total Liabilities and Net Assets / Fund Balance$1,846,416$1,961,083▲ $114,667

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$16,600--
Compensation and Service Providers
Top Officer Pay24th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Timothy A JohnsontreasurerPT$11,565$11,565
Kristy FillTreasurer/asst treasurerPT$7,078$7,078
Denise deltondoPresidentPT$592$592

Board Members and Trustees

NameTitle
Peter Gabrielvice-president
Joseph Jeswaldtrustee
Joyce Bowsertrustee
Thomas Archertrustee
Roberta LawrentzSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$51,710
Investment Income
$1,209
Other Revenue
$0
Change in Net Assets
$-78,739
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$110,719
Salaries, Compensation, and Employee Benefits$20,939
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$19,235
Fees for Services Accounting---$6,825
Information Technology---$5,521
Office Expenses---$5,520
Insurance---$5,197
Conferences and Meetings---$2,207
Payments to Affiliates---$2,178
Payroll Taxes---$1,704
Occupancy---$1,200
Other Expenses---$550
Advertising---$268
Total Functional Expenses$0$0$0$131,658
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
members savings accounts$1,706,592
federal income tax$0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
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, Part VI, Section A, Line 6

“We are a member owned non-profit credit union with 335 members”

Form 990, Part VI, Section A, Line 7A

“Members elect the board to 3 year terms at the annual meeting in March”

Form 990, Part VI, Section A, Line 7B

“We would need a majority of our members to approve changes to our by-laws”

Form 990, Part VI, Section A, Line 9

“Denise Deltondo”

Form 990, Part VI, Section B, Line 11B

“The credit union does not have a review process, but employs CPA firms to review major items on the balance sheet”

Form 990, Part VI, Section B, Line 15

“The Board of Directors approves all compensation for employees.”

Form 990, Part VI, Section C, Line 19

“The end of year financial statements are presented to the members at the March annual meeting. Monthly financial statements are reviewed by the board monthly and are available at the credit union office.”

Filing and Contact Details

Filer

Filer Name
953 Girard Credit Union Inc
EIN
34-0970124
Phone
3305458811
Address
PO Box 98, girard, OH 44420

Signing Officer

Name
kristy fill
Title
treasurer
Phone
3305458811
Signed
2022-02-02

Organization Details

Formed
1960
Legal Domicile
Oh
Voting Board Members
6
Independent Board Members
6
Employees
3
Volunteers
10
Supplemental Narrative

Financial Statement Notes

Schedule D, Part VIII

“corp one 275000 eoy farmers natl bank 150427 eoy ncusif 15208 eoy olccu 16600 eoy”

Schedule D, Part IX

“accrued interest on loans 2101 accrued income on investments 57”

Schedule D, Part X, Line 2

“members savings accounts 1706592”

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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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0corp one 275000 eoy farmers natl bank 150427 eoy ncusif 15208 eoy olccu 16600 eoy
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1accrued interest on loans 2101 accrued income on investments 57
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2members savings accounts 1706592
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part VIII
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Schedule D, Part IX
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IRS990/ScheduleJRequiredInd00
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0We are a member owned non-profit credit union with 335 members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members elect the board to 3 year terms at the annual meeting in March
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2We would need a majority of our members to approve changes to our by-laws
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Denise Deltondo
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The credit union does not have a review process, but employs CPA firms to review major items on the balance sheet
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The Board of Directors approves all compensation for employees.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The end of year financial statements are presented to the members at the March annual meeting. Monthly financial statements are reviewed by the board monthly and are available at the credit union office.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01846416
IRS990/TotalAssetsEOYAmt01961083
IRS990/TotalAssetsGrp/BOYAmt01846416
IRS990/TotalAssetsGrp/EOYAmt01961083
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0131658
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01520792
IRS990/TotalLiabilitiesEOYAmt01714198
IRS990/TotalLiabilitiesGrp/BOYAmt01520792
IRS990/TotalLiabilitiesGrp/EOYAmt01714198
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0325624
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0246885
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt051710
IRS990/TotalReportableCompFromOrgAmt019235
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt052919
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt052919
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01846416
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01961083
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO Box 98
IRS990/USAddress/CityNm0Girard
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd044420
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/LastSubmissionRqrOOBCd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd011
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd00
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0kristy fill
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum03305458811
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-02-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0953 GIRARD CREDIT UNION INC
ReturnHeader/Filer/BusinessNameControlTxt0953G
ReturnHeader/Filer/EIN0340970124
ReturnHeader/Filer/PhoneNum03305458811
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 98
ReturnHeader/Filer/USAddress/CityNm0girard
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd044420
ReturnHeader/ReturnTs02022-04-18T13:48:28-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

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