Civic Intelligence

Co-Op Toledo Credit Union Inc

990 • Fiscal year 2017 • EIN 34-4428192

Jan 01, 2017 to Dec 31, 2017 • Filed on May 09, 2018

Organization Profilewww.cooptcu.com
2422 S Holland Sylvania RoadMaumee, OH 43537

(419) 865-3600

Siviq Scores

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

Liabilities / Assets

96th percentile

0.94x

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

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

Liabilities / Revenue

25th percentile

14.71x

Higher debt load relative to revenue than 25% of similar nonprofits.

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

Net Margin

2nd percentile

-30%

Higher net margin than 2% of similar nonprofits.

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

Top Officer Pay

53rd percentile

$76,461

Higher top officer pay than 53% of similar nonprofits.

Top officer pay equals 11.7% of source-year revenue.

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

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2017

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2017

Balance Sheet
Liabilities / Assets96th percentile

Assets

$10,257,383

No earlier filing loaded for comparison.

Net Assets

$658,908

No earlier filing loaded for comparison.

Liabilities

$9,598,475

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue25th percentileNet Margin2nd percentile

Revenue

$652,607

No earlier filing loaded for comparison.

Expenses

$849,863

No earlier filing loaded for comparison.

Net Income

-$197,256

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$15M$10M$5.0M$0Assets 2017: $10,257,383Liabilities 2017: $9,598,475Net Assets 2017: $658,9082017Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2017

Assets$10,257,383
Liabilities$9,598,475
Net Assets$658,908
Open 2017 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.0M$500K$0-$500KRevenue 2017: $652,607Expenses 2017: $849,863Net Income 2017: -$197,2562017Revenue 2018: $398,887Expenses 2018: $382,906Net Income 2018: $15,9812018

Highlighted filing

2017

Revenue$652,607
Expenses$849,863
Net Income-$197,256
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 9, 2018
Return Version
2017v2.0
Gross Receipts
$652,607
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 with a service based emphasis that recognizes the members status as owners.

Co-Op Toledo Credit Union, Inc. is a financial institution cooperative organized to provide loan and deposit products and services to the member owners.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,879,987$4,886,332▲ $6,345
Investments Other Securities$4,424,000$0▼ $4,424,000
Investments Program Related$169,920$4,403,283▲ $4,233,363
Rtn Earn Endowment Incm Other Fnds$856,164$658,908▼ $197,256
Land, Buildings, and Equipment, Net$576,152$552,685▼ $23,467
Cash and Non-Interest-Bearing Accounts$157,775$206,059▲ $48,284
Receivables From Officers Etc$67,735$0▼ $67,735
Prepaid Expenses and Deferred Charges$70,942$52,425▼ $18,517
Savings and Temporary Cash Investments$251,505$38,835▼ $212,670
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$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$10,621,756$10,257,383▼ $364,373
Other Assets Total$23,740$117,764▲ $94,024
Liabilities
Other Liabilities$9,652,931$9,475,331▼ $177,600
Accounts Payable and Accrued Expenses$112,661$123,144▲ $10,483
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$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$9,765,592$9,598,475▼ $167,117
Net Assets / Fund Balance
Total Net Assets Fund Balance$856,164$658,908▼ $197,256
Total Liabilities and Net Assets / Fund Balance$10,621,756$10,257,383▼ $364,373

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$480,738$157,860$638,598
Equipment$7,947$406,866$414,813
Land$64,000-$64,000
Investment Program Related Org$79,283--
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay53rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jennifer SeguraTreasurer of Board / Chief Executive OfficerFT$68,011$8,450$76,461

Board Members and Trustees

NameTitle
Thomas ArchambeauPresident of Board
Bob LutmanDirector
Edwin PackerDirector
Glenda KatzDirector
Ruth AshfordDirector
Polly LaffarthaSecretary of Board
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$576,475
Investment Income
$76,132
Other Revenue
$0
Change in Net Assets
$-197,256
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$643,311
Salaries, Compensation, and Employee Benefits$206,552
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$101,841$0$0$101,841
Current Officers, Directors, Trustees, and Key Employees$34,005$34,006$0$68,011
Information Technology$50,252$0$0$50,252
Office Expenses$50,030$0$0$50,030
Interest$30,177$0$0$30,177
Occupancy$22,145$5,536$0$27,681
Depreciation Depletion$18,774$4,693$0$23,467
Other Employee Benefits$12,891$3,246$0$16,137
Payroll Taxes$13,062$2,601$0$15,663
Insurance$12,308$0$0$12,308
Advertising$11,920$0$0$11,920
Fees for Services Accounting$0$10,200$0$10,200
Conferences and Meetings$5,424$1,363$0$6,787
Pension Plan Contributions$3,920$980$0$4,900
Other Expenses$4,053$0$0$4,053
Fees for Services Management$0$2,327$0$2,327
All Other Expenses$1,829$0$0$1,829
Total Functional Expenses$784,911$64,952$0$849,863
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
Receivables from Officers, Directors, Trustees, and Key Employees$67,735$0▼ $67,735
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members share savings$6,762,563
Members share certificates$1,121,094
Members draft checking$1,052,185
Members IRA savings$539,489
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
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 the 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 statements are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Co-op Toledo Credit Union Inc
EIN
34-4428192
Phone
4198653600
Address
2422 S Holland Sylvania Road, Maumee, OH 43537

Signing Officer

Name
Jennifer Segura
Title
Chief Executive Officer
Phone
4198653600
Signed
2018-05-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jennifer Segura
Formed
1967
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
6
Employees
6
Volunteers
6

Preparer

Firm
Schmidt & Associates
Address
P O Box 2588, Columbus, OH 43216
Preparer
Melissa Schmidt
Phone
6145291640
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IRS990/OccupancyGrp/TotalAmt027681
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt050030
IRS990/OfficeExpensesGrp/TotalAmt050030
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt023740
IRS990/OtherAssetsTotalGrp/EOYAmt0117764
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt03246
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt012891
IRS990/OtherEmployeeBenefitsGrp/TotalAmt016137
IRS990/OtherExpensesGrp/Desc0Loan servicing (collections, dealer fees)
IRS990/OtherExpensesGrp/Desc1Share servicing (ATM, debit, draft)
IRS990/OtherExpensesGrp/Desc2Regulators
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ProgramServicesAmt0302971
IRS990/OtherExpensesGrp/ProgramServicesAmt1109309
IRS990/OtherExpensesGrp/ProgramServicesAmt24053
IRS990/OtherExpensesGrp/TotalAmt0302971
IRS990/OtherExpensesGrp/TotalAmt1109309
IRS990/OtherExpensesGrp/TotalAmt24053
IRS990/OtherLiabilitiesGrp/BOYAmt09652931
IRS990/OtherLiabilitiesGrp/EOYAmt09475331
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0101841
IRS990/OtherSalariesAndWagesGrp/TotalAmt0101841
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt04879987
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt04886332
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt02601
IRS990/PayrollTaxesGrp/ProgramServicesAmt013062
IRS990/PayrollTaxesGrp/TotalAmt015663
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0980
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt03920
IRS990/PensionPlanContributionsGrp/TotalAmt04900
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt070942
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt052425
IRS990/PrincipalOfficerNm0Jennifer Segura
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans to members
IRS990/ProgramServiceRevenueGrp/Desc1Fees to members
IRS990/ProgramServiceRevenueGrp/Desc2ATM surcharges to nonmembers
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0335661
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1237954
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt20
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0335661
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1237954
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22860
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt22860
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt031222
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt052318
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0802739
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0642937
IRS990/PYRevenuesLessExpensesAmt0-332424
IRS990/PYSalariesCompEmpBnftPaidAmt0193718
IRS990/PYTotalExpensesAmt01027679
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0695255
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt067735
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-197256
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt0649747
IRS990/RoyaltiesGrp/FundraisingAmt00
IRS990/RoyaltiesGrp/ManagementAndGeneralAmt00
IRS990/RoyaltiesGrp/ProgramServicesAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0856164
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0658908
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0251505
IRS990/SavingsAndTempCashInvstGrp/EOYAmt038835
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0480738
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0157860
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$10,257,383
Liabilities
$9,598,475
Net assets
$658,908
Revenue
$652,607
Expenses
$849,863
Net income
-$197,256
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.40$0.38$0.02
2017Detailed filing. Detailed filing data is available for this year.$10.3$9.60$0.66$0.65$0.85$0.20