Civic Intelligence

Educational Community Alliance Credit Union Inc

EIN 34-4376330 • 501(c)14 • Toledo, OH

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Profile

The mission of Educational Community Alliance Credit Union, Inc. is building valued relationships by delivering personalized financial advice and service. With a vision of having satisfied, educated members and staff who are active marketers promoting the growth and direction of the credit union.

3845 Angola RoadToledo, OH 43615

www.educacu.com

Siviq Scores

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

Liabilities / Assets

57th percentile

0.89x

Higher debt load relative to assets than 57% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

70th percentile

17.33x

Higher debt load relative to revenue than 70% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

48th percentile

11%

Higher net margin than 48% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

39th percentile

$145,480

Higher top officer pay than 39% of similar nonprofits.

Top officer pay equals 4.6% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

67th percentile

4.2%

Faster asset growth than 67% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

47th percentile

9.4%

Faster revenue growth than 47% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets57th percentile

Assets

Up

$61,345,410

Up $2,471,206 (+4.2%) from 2023

Liabilities

Up

$54,301,052

Up $1,900,452 (+3.6%) from 2023

Net Assets

Up

$7,044,358

Up $570,754 (+8.8%) from 2023

Operations
Liabilities / Revenue70th percentileNet Margin48th percentile

Revenue

Up

$3,133,115

Up $267,992 (+9.4%) from 2023

Expenses

Up

$2,779,786

Up $199,737 (+7.7%) from 2023

Net Income

Up

$353,329

Up $68,255 (+24%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth67th percentile

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

$80M$60M$40M$20M$0Assets 2010: $42,057,047Liabilities 2010: $37,358,395Net Assets 2010: $4,698,6522010Assets 2011: $43,752,840Liabilities 2011: $39,079,187Net Assets 2011: $4,673,6532011Assets 2012: $42,493,315Liabilities 2012: $37,709,421Net Assets 2012: $4,783,8942012Assets 2013: $41,670,055Liabilities 2013: $37,128,745Net Assets 2013: $4,541,3102013Assets 2014: $41,104,808Liabilities 2014: $36,499,715Net Assets 2014: $4,605,0932014Assets 2015: $41,691,601Liabilities 2015: $37,242,054Net Assets 2015: $4,449,5472015Assets 2016: $43,112,708Liabilities 2016: $38,581,557Net Assets 2016: $4,531,1512016Assets 2017: $44,692,679Liabilities 2017: $39,916,426Net Assets 2017: $4,776,2532017Assets 2018: $45,950,806Liabilities 2018: $41,022,943Net Assets 2018: $4,927,8632018Assets 2019: $45,203,334Liabilities 2019: $39,911,342Net Assets 2019: $5,291,9922019Assets 2020: $52,440,566Liabilities 2020: $46,936,371Net Assets 2020: $5,504,1952020Assets 2021: $58,510,911Liabilities 2021: $52,677,669Net Assets 2021: $5,833,2422021Assets 2022: $61,275,129Liabilities 2022: $55,149,026Net Assets 2022: $6,126,1032022Assets 2023: $58,874,204Liabilities 2023: $52,400,600Net Assets 2023: $6,473,6042023Assets 2024: $61,345,410Liabilities 2024: $54,301,052Net Assets 2024: $7,044,3582024

Highlighted filing

2024

Assets$61,345,410
Liabilities$54,301,052
Net Assets$7,044,358
Open 2024 Filing

Operations Trend

Revenue Growth47th percentile

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,336,8092010Expenses 2011: $2,455,6142011Expenses 2012: $2,199,8722012Revenue 2013: $2,184,221Expenses 2013: $2,360,984Net Income 2013: -$176,7632013Revenue 2014: $2,166,674Expenses 2014: $2,103,278Net Income 2014: $63,3962014Revenue 2015: $2,085,436Expenses 2015: $2,241,044Net Income 2015: -$155,6082015Revenue 2016: $2,072,335Expenses 2016: $1,982,040Net Income 2016: $90,2952016Revenue 2017: $2,298,197Expenses 2017: $2,056,663Net Income 2017: $241,5342017Revenue 2018: $2,514,157Expenses 2018: $2,363,847Net Income 2018: $150,3102018Revenue 2019: $2,585,292Expenses 2019: $2,225,259Net Income 2019: $360,0332019Revenue 2020: $2,363,934Expenses 2020: $2,151,804Net Income 2020: $212,1302020Revenue 2021: $2,244,459Expenses 2021: $1,915,482Net Income 2021: $328,9772021Revenue 2022: $2,366,913Expenses 2022: $2,074,123Net Income 2022: $292,7902022Revenue 2023: $2,865,123Expenses 2023: $2,580,049Net Income 2023: $285,0742023Revenue 2024: $3,133,115Expenses 2024: $2,779,786Net Income 2024: $353,3292024

Highlighted filing

2024

Revenue$3,133,115
Expenses$2,779,786
Net Income$353,329
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$61,345,410
Liabilities
$54,301,052
Net assets
$7,044,358
Revenue
$3,133,115
Expenses
$2,779,786
Net income
$353,329
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$61.3$54.3$7.04$3.13$2.78$0.35
2023Detailed filing. Detailed filing data is available for this year.$58.9$52.4$6.47$2.87$2.58$0.29
2022Detailed filing. Detailed filing data is available for this year.$61.3$55.1$6.13$2.37$2.07$0.29
2021Detailed filing. Detailed filing data is available for this year.$58.5$52.7$5.83$2.24$1.92$0.33
2020Detailed filing. Detailed filing data is available for this year.$52.4$46.9$5.50$2.36$2.15$0.21
2019Detailed filing. Detailed filing data is available for this year.$45.2$39.9$5.29$2.59$2.23$0.36
2018Detailed filing. Detailed filing data is available for this year.$46.0$41.0$4.93$2.51$2.36$0.15
2017Detailed filing. Detailed filing data is available for this year.$44.7$39.9$4.78$2.30$2.06$0.24
2016Detailed filing. Detailed filing data is available for this year.$43.1$38.6$4.53$2.07$1.98$0.09
2015Detailed filing. Detailed filing data is available for this year.$41.7$37.2$4.45$2.09$2.24$0.16
2014Detailed filing. Detailed filing data is available for this year.$41.1$36.5$4.61$2.17$2.10$0.06
2013Detailed filing. Detailed filing data is available for this year.$41.7$37.1$4.54$2.18$2.36$0.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.5$37.7$4.78$2.20
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.8$39.1$4.67$2.46
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.1$37.4$4.70$2.34
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 6, 2025
Return Version
2024v5.0
Gross Receipts
$3,133,115
Mission and Program Overview

Mission

The mission of Educational Community Alliance Credit Union, Inc. is building valued relationships by delivering personalized financial advice and service. With a vision of having satisfied, educated members and staff who are active marketers promoting the growth and direction of the credit union.

Educational Community Alliance Credit Union, Inc. is a financial institution cooperative organized to provide loan and deposit products and services for its member owners.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$33,623,073$34,316,026▲ $692,953
Investments Program Related$18,686,268$19,073,512▲ $387,244
Rtn Earn Endowment Incm Other Fnds$6,473,604$7,044,358▲ $570,754
Land, Buildings, and Equipment, Net$1,127,586$1,120,083▼ $7,503
Savings and Temporary Cash Investments$362,571$1,000,672▲ $638,101
Cash and Non-Interest-Bearing Accounts$525,013$591,431▲ $66,418
Prepaid Expenses and Deferred Charges$182,179$163,053▼ $19,126
Accounts Receivable$15,567$9,302▼ $6,265
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$58,874,204$61,345,410▲ $2,471,206
Other Assets Total$4,351,947$5,071,331▲ $719,384
Liabilities
Other Liabilities$51,730,775$53,806,076▲ $2,075,301
Accounts Payable and Accrued Expenses$420,825$494,976▲ $74,151
Mortgage Notes Payable Secured by Investment Property$249,000$0▼ $249,000
Grants Payable$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$52,400,600$54,301,052▲ $1,900,452
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,473,604$7,044,358▲ $570,754
Total Liabilities and Net Assets / Fund Balance$58,874,204$61,345,410▲ $2,471,206

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$835,099$1,059,997$1,895,096
Equipment$108,727$514,088$622,815
Land$176,257-$176,257
Investment Program Related Org$837,512--
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Other Assets Org$438--
Compensation and Service Providers
Top Officer Pay39th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Beth CarpenterChief Executive OfficerFT$130,480$15,000$145,480
Robert ParksDirector-$195-$195
Angela JordanSecretary of Board-$165-$165
Bradley AemiseggerChairperson of Board-$135-$135
Dale PriceVice Chairperson of Board-$90-$90
Seth SansingTreasurer of Board-$75-$75

Board Members and Trustees

NameTitle
Marcia WolfordDirector
Todd BeaversDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,613,930
Investment Income
$519,185
Other Revenue
$0
Change in Net Assets
$353,329

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,133,115
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$3,133,115
Total Revenue per Form 990
$3,133,115
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,732,826
Salaries, Compensation, and Employee Benefits$1,046,960
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$558,946$153,571$0$712,517
Interest$433,501$0$0$433,501
Information Technology$219,435$0$0$219,435
Current Officers, Directors, Trustees, and Key Employees$0$130,480$0$130,480
Other Employee Benefits$78,117$39,698$0$117,815
Office Expenses$108,399$0$0$108,399
Royalties$80,027$20,006$0$100,033
Depreciation Depletion$70,672$10,820$0$81,492
Advertising$80,347$0$0$80,347
Payroll Taxes$41,731$21,207$0$62,938
Fees for Services Other$0$48,696$0$48,696
All Other Expenses$43,554$0$0$43,554
Pension Plan Contributions$15,389$7,821$0$23,210
Fees for Services Accounting$0$19,637$0$19,637
Fees for Services Management$0$17,525$0$17,525
Conferences and Meetings$12,989$885$0$13,874
Other Expenses$0$11,639$0$11,639
Insurance$10,344$0$0$10,344
Fees for Services Legal$5,395$0$0$5,395
Total Functional Expenses$2,297,801$481,985$0$2,779,786

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,779,786
Total Expenses per Audited Statements$2,779,786
Total Expenses per Form 990$2,779,786
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members share savings$32,222,217
Members draft checking$9,316,690
Members money market savings$5,662,134
Members share certificates$5,502,412
Members IRA savings$952,210
Members IRA certificates$150,413
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“All credit unions by charter are member owned.”

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

“All of the governing body is elected by the membership.”

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

“The 990 is reviewed by management and the Board of Directors prior to submission.”

Form 990, Part VI, Section B, Line 12C

“The conflict of interest policy is reviewed by the employees and Board of Directors annually.”

Form 990, Part VI, Section B, Line 15

“Compensation of key employees is approved by the Board of Directors. Independent compensation surveys are utilized as a tool in setting compensation levels.”

Form 990, Part VI, Section C, Line 19

“The governing documents, conflict of interest policy, and financial documents are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Educational Community Alliance Credit Union Inc
EIN
34-4376330
Phone
4193812323
Address
3845 Angola Road, Toledo, OH 43615

Signing Officer

Name
Beth Carpenter
Title
Chief Executive Officer
Phone
4193812323
Signed
2025-05-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Beth Carpenter
Formed
1934
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
7
Employees
14
Volunteers
7

Preparer

Firm
Schmidt & Associates
Address
P O Box 2588, Columbus, OH 43216
Preparer
Melissa Schmidt
Phone
6145291640
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Other changes in net fund balances was the result of equity obtained in a merger with Maumee Educators Credit Union. Assets acquired in the acquisition amounted to $1,617,000”

Raw XML AppendixShowing 400 of 621 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/Form990PartVIISectionAGrp/PersonNm1Robert Parks
IRS990/Form990PartVIISectionAGrp/PersonNm2Angela Jordan
IRS990/Form990PartVIISectionAGrp/PersonNm3Bradley Aemisegger
IRS990/Form990PartVIISectionAGrp/PersonNm4Dale Price
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IRS990/Form990PartVIISectionAGrp/PersonNm6Todd Beavers
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IRS990/MissionDesc0The mission of Educational Community Alliance Credit Union, Inc. is building valued relationships by delivering personalized financial advice and service. With a vision of having satisfied, educated members and staff who are active marketers promoting the growth and direction of the Credit Union.
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