Civic Intelligence

1087 Millstream Area Credit Union Inc

EIN 34-6572293 • 501(c)14 • Findlay, OH

View Organization Page

Profile

The purpose of this credit union shall be to promote thrift and to provide credit for its members.

1007 Western AvenueFindlay, OH 45840

www.millstreamcu.com

Siviq Scores

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

Liabilities / Assets

49th percentile

0.88x

Higher debt load relative to assets than 49% of similar nonprofits.

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

Liabilities / Revenue

12th percentile

10.55x

Higher debt load relative to revenue than 12% of similar nonprofits.

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

Net Margin

72nd percentile

18%

Higher net margin than 72% of similar nonprofits.

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

Top Officer Pay

43rd percentile

$149,226

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 2.9% of source-year revenue.

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

Asset Growth

73rd percentile

5.4%

Faster asset growth than 73% of similar nonprofits.

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

Revenue Growth

62nd percentile

13%

Faster revenue growth than 62% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets49th percentile

Assets

Up

$62,520,100

Up $3,187,840 (+5.4%) from 2023

Liabilities

Up

$54,923,153

Up $1,935,379 (+3.7%) from 2023

Net Assets

Up

$7,596,947

Up $1,252,461 (+20%) from 2023

Operations
Liabilities / Revenue12th percentileNet Margin72nd percentile

Revenue

Up

$5,205,452

Up $611,602 (+13%) from 2023

Expenses

Up

$4,257,664

Up $315,102 (+8.0%) from 2023

Net Income

Up

$947,788

Up $296,500 (+46%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth73rd percentile

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

$80M$60M$40M$20M$0Assets 2010: $27,071,328Liabilities 2010: $24,544,581Net Assets 2010: $2,526,7472010Assets 2011: $30,842,295Liabilities 2011: $28,112,073Net Assets 2011: $2,730,2222011Assets 2012: $32,591,313Liabilities 2012: $29,549,603Net Assets 2012: $3,041,7102012Assets 2013: $32,426,657Liabilities 2013: $29,034,568Net Assets 2013: $3,392,0892013Assets 2014: $35,018,399Liabilities 2014: $31,266,327Net Assets 2014: $3,752,0722014Assets 2015: $36,669,993Liabilities 2015: $32,529,867Net Assets 2015: $4,140,1262015Assets 2016: $38,243,851Liabilities 2016: $33,784,005Net Assets 2016: $4,459,8462016Assets 2017: $38,536,515Liabilities 2017: $33,911,566Net Assets 2017: $4,624,9492017Assets 2018: $41,291,834Liabilities 2018: $36,303,206Net Assets 2018: $4,988,6282018Assets 2019: $45,423,986Liabilities 2019: $40,004,473Net Assets 2019: $5,419,5132019Assets 2020: $54,768,415Liabilities 2020: $49,312,498Net Assets 2020: $5,455,9172020Assets 2021: $59,199,918Liabilities 2021: $53,723,370Net Assets 2021: $5,476,5482021Assets 2022: $59,777,418Liabilities 2022: $54,311,320Net Assets 2022: $5,466,0982022Assets 2023: $59,332,260Liabilities 2023: $52,987,774Net Assets 2023: $6,344,4862023Assets 2024: $62,520,100Liabilities 2024: $54,923,153Net Assets 2024: $7,596,9472024

Highlighted filing

2024

Assets$62,520,100
Liabilities$54,923,153
Net Assets$7,596,947
Open 2024 Filing

Operations Trend

Revenue Growth62nd percentile

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

$6.0M$4.0M$2.0M$0Expenses 2010: $3,072,3292010Expenses 2011: $2,372,6502011Expenses 2012: $2,177,6862012Revenue 2013: $2,809,488Expenses 2013: $2,459,109Net Income 2013: $350,3792013Revenue 2014: $3,107,732Expenses 2014: $2,740,964Net Income 2014: $366,7682014Revenue 2015: $3,269,924Expenses 2015: $2,881,404Net Income 2015: $388,5202015Revenue 2016: $3,273,900Expenses 2016: $2,731,905Net Income 2016: $541,9952016Revenue 2017: $3,353,460Expenses 2017: $3,179,871Net Income 2017: $173,5892017Revenue 2018: $3,613,840Expenses 2018: $3,234,319Net Income 2018: $379,5212018Revenue 2019: $3,772,125Expenses 2019: $3,377,925Net Income 2019: $394,2002019Revenue 2020: $3,387,973Expenses 2020: $3,378,472Net Income 2020: $9,5012020Revenue 2021: $3,448,457Expenses 2021: $3,318,448Net Income 2021: $130,0092021Revenue 2022: $3,889,047Expenses 2022: $3,335,320Net Income 2022: $553,7272022Revenue 2023: $4,593,850Expenses 2023: $3,942,562Net Income 2023: $651,2882023Revenue 2024: $5,205,452Expenses 2024: $4,257,664Net Income 2024: $947,7882024

Highlighted filing

2024

Revenue$5,205,452
Expenses$4,257,664
Net Income$947,788
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$62,520,100
Liabilities
$54,923,153
Net assets
$7,596,947
Revenue
$5,205,452
Expenses
$4,257,664
Net income
$947,788
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$62.5$54.9$7.60$5.21$4.26$0.95
2023Detailed filing. Detailed filing data is available for this year.$59.3$53.0$6.34$4.59$3.94$0.65
2022Detailed filing. Detailed filing data is available for this year.$59.8$54.3$5.47$3.89$3.34$0.55
2021Detailed filing. Detailed filing data is available for this year.$59.2$53.7$5.48$3.45$3.32$0.13
2020Detailed filing. Detailed filing data is available for this year.$54.8$49.3$5.46$3.39$3.38$0.01
2019Detailed filing. Detailed filing data is available for this year.$45.4$40.0$5.42$3.77$3.38$0.39
2018Detailed filing. Detailed filing data is available for this year.$41.3$36.3$4.99$3.61$3.23$0.38
2017Detailed filing. Detailed filing data is available for this year.$38.5$33.9$4.62$3.35$3.18$0.17
2016Detailed filing. Detailed filing data is available for this year.$38.2$33.8$4.46$3.27$2.73$0.54
2015Detailed filing. Detailed filing data is available for this year.$36.7$32.5$4.14$3.27$2.88$0.39
2014Detailed filing. Detailed filing data is available for this year.$35.0$31.3$3.75$3.11$2.74$0.37
2013Detailed filing. Detailed filing data is available for this year.$32.4$29.0$3.39$2.81$2.46$0.35
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.6$29.5$3.04$2.18
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.8$28.1$2.73$2.37
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.1$24.5$2.53$3.07
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 16, 2025
Return Version
2024v5.2
Gross Receipts
$5,205,452
Mission and Program Overview

Mission

The purpose of this credit union shall be to promote thrift and to provide credit for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$32,645,519$31,132,691▼ $1,512,828
Investments in Publicly Traded Securities$12,314,806$14,107,479▲ $1,792,673
Investments Other Securities$4,494,151$8,277,016▲ $3,782,865
Rtn Earn Endowment Incm Other Fnds$6,344,486$7,596,947▲ $1,252,461
Savings and Temporary Cash Investments$4,736,072$3,782,144▼ $953,928
Land, Buildings, and Equipment, Net$2,822,198$2,717,411▼ $104,787
Cash and Non-Interest-Bearing Accounts$1,059,959$1,254,247▲ $194,288
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$59,332,260$62,520,100▲ $3,187,840
Other Assets Total$1,259,555$1,249,112▼ $10,443
Liabilities
Other Liabilities$52,507,306$54,473,844▲ $1,966,538
Accounts Payable and Accrued Expenses$480,468$449,309▼ $31,159
Total Liabilities$52,987,774$54,923,153▲ $1,935,379
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,344,486$7,596,947▲ $1,252,461
Total Liabilities and Net Assets / Fund Balance$59,332,260$62,520,100▲ $3,187,840

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,963,870$1,071,907$3,035,777
Equipment$439,175$1,986,910$2,426,085
Land$260,773-$260,773
Other Land Buildings$53,593-$53,593
Other Securities$1,528,535--
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Joshua ReamsPresident/CEOFT$149,226$149,226
Katie GreeneChief Operations OfficerFT$91,799$91,799
Eric WarrenChief Financial OfficerFT$91,193$91,193

Board Members and Trustees

NameTitle
Brody YinglingDirector
Christopher HalsteadDirector
Nicole WagnerDirector
Pat SwisherDirector
Richard KozlowskiDirector
Shaun MasonDirector
Tammy MontgomeryDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,269,919
Investment Income
$935,533
Other Revenue
$0
Change in Net Assets
$947,788

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,205,452
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$5,205,452
Total Revenue per Form 990
$5,205,452
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,823,463
Salaries, Compensation, and Employee Benefits$1,434,201
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$1,275,648
Other Salaries and Wages---$799,186
Interest---$472,485
Current Officers, Directors, Trustees, and Key Employees---$332,218
Depreciation Depletion---$225,714
Other Employee Benefits---$164,477
Advertising---$152,705
Payroll Taxes---$90,944
Occupancy---$63,592
Pension Plan Contributions---$47,376
Fees for Services Accounting---$42,000
Insurance---$35,693
Other Expenses---$31,500
Fees for Services Legal---$2,000
Total Functional Expenses$0$0$0$4,257,664

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,257,664
Total Expenses per Audited Statements$4,257,664
Total Expenses per Form 990$4,257,664
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES & DEPOSITS$54,473,844
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

“The organization has members.”

Form 990, Part VI, Section A, 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.”

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

“Prior to filing with the irs, a copy of the form 990 and related schedules are reviewed by the president/ceo. Upon completion of the president's review, the forms are reviewed and voted on by the board of directors prior to submittal to the irs.”

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

“Conflicts of interest are regularly reviewed by the board of directors. If a conflict exists, then the conflicted person is excluded from discussions and votes related to any pontential or existing relationship involving the conflict of interest.”

Form 990, Part VI, Section B, Line 15

“The process to set the ceo's salary is based on 3rd party data from compease software and the attainment in the current year of predefined performance objectives set for the credit union.”

Form 990, Part VI, Section C, Line 19

“Financial statements are dsiplayed in the lobbies of our branch offices. Conflict of interest is available upon request.”

Filing and Contact Details

Filer

Filer Name
1087 Millstream Area Credit Union Inc
EIN
34-6572293
Phone
4194225626
Address
1007 WESTERN AVENUE, FINDLAY, OH 45840

Signing Officer

Name
Joshua Reams
Title
President/CEO
Phone
4194225626
Signed
2025-11-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joshua Reams
Formed
1966
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
7
Employees
30
Volunteers
0

Preparer

Firm
Gbq Partners LLC
Address
4030 SMITH ROAD SUITE 400, CINCINNATI, OH 45209
Preparer
Kathleen M Moseley
Phone
5138713033
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C

“There is no change in accouting period from prior year.”

Financial Statement Notes

PART X, LINE 2:

“The credit union accounts for uncertainty in income taxes in its financial statements as required under financial accounting standards board (fasb) accounting standards codification (asc), accounting for uncertainty in income taxes. The standard prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. The standard also provides guidance on de-recognition, classification, interest and penalties, accounting in interim periods, disclosure and transition accounting. Management determined there were no material uncertain positions taken by the credit union in its tax returns.”

Raw XML Appendix399 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0480468
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0449309
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THE PURPOSE OF THIS CREDIT UNION SHALL BE TO PROMOTE THRIFT AND TO PROVIDE CREDIT FOR ITS MEMBERS.
IRS990/AdvertisingGrp/TotalAmt0152705
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0JOSHUA REAMS
IRS990/BooksInCareOfDetail/PhoneNum04194225626
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01007 WESTERN AVENUE
IRS990/BooksInCareOfDetail/USAddress/CityNm0FINDLAY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0OH
IRS990/BooksInCareOfDetail/USAddress/ZIPCd045840
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01059959
IRS990/CashNonInterestBearingGrp/EOYAmt01254247
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0332218
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0935533
IRS990/CYOtherExpensesAmt02823463
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt04269919
IRS990/CYRevenuesLessExpensesAmt0947788
IRS990/CYSalariesCompEmpBnftPaidAmt01434201
IRS990/CYTotalExpensesAmt04257664
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt05205452
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0225714
IRS990/Desc0PROVIDE QUALITY FINANCIAL SERVICES TO MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt030
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt042000
IRS990/FeesForServicesLegalGrp/TotalAmt02000
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt745.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt850.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt945.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0BRODY YINGLING
IRS990/Form990PartVIISectionAGrp/PersonNm1TAMMY MONTGOMERY
IRS990/Form990PartVIISectionAGrp/PersonNm2CHRISTOPHER HALSTEAD
IRS990/Form990PartVIISectionAGrp/PersonNm3NICOLE WAGNER
IRS990/Form990PartVIISectionAGrp/PersonNm4PAT SWISHER
IRS990/Form990PartVIISectionAGrp/PersonNm5SHAUN MASON
IRS990/Form990PartVIISectionAGrp/PersonNm6RICHARD KOZLOWSKI
IRS990/Form990PartVIISectionAGrp/PersonNm7ERIC WARREN
IRS990/Form990PartVIISectionAGrp/PersonNm8JOSHUA REAMS
IRS990/Form990PartVIISectionAGrp/PersonNm9KATIE GREENE
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt791193
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8149226
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt991799
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF OPERATIONS OFFICER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01966
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt05205452
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/TotalAmt035693
IRS990/InterestGrp/TotalAmt0472485
IRS990/InvestmentIncomeGrp/ExclusionAmt0935533
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0935533
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt04494151
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt08277016
IRS990/InvestmentsPubTradedSecGrp/BOYAmt012314806
IRS990/InvestmentsPubTradedSecGrp/EOYAmt014107479
IRS990/IRPDocumentCnt0650
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03058817
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02822198
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02717411
IRS990/LandBldgEquipCostOrOtherBssAmt05776228
IRS990/LegalDomicileStateCd0OH
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE PURPOSE OF THIS CREDIT UNION SHALL BE TO PROMOTE THRIFT AND TO PROVIDE CREDIT FOR ITS MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt06344486
IRS990/NetAssetsOrFundBalancesEOYAmt07596947
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0304673
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt063592
IRS990/OfficeExpensesGrp/TotalAmt01275648
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01259555
IRS990/OtherAssetsTotalGrp/EOYAmt01249112
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0164477
IRS990/OtherExpensesGrp/Desc0DATA PROCESSING
IRS990/OtherExpensesGrp/Desc1PROCESSING FEES
IRS990/OtherExpensesGrp/Desc2MISC OPERATING EXPENSES
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt0412640
IRS990/OtherExpensesGrp/TotalAmt169878
IRS990/OtherExpensesGrp/TotalAmt239608
IRS990/OtherExpensesGrp/TotalAmt331500
IRS990/OtherLiabilitiesGrp/BOYAmt052507306
IRS990/OtherLiabilitiesGrp/EOYAmt054473844
IRS990/OtherSalariesAndWagesGrp/TotalAmt0799186
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt032645519
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt031132691
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt090944
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt047376
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0JOSHUA REAMS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522200
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND COMMISSIONS
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02377031
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11735270
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt269093
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02377031
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11823795
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt269093
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt088525
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0536499
IRS990/PYOtherExpensesAmt02524668
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt04057351
IRS990/PYRevenuesLessExpensesAmt0651288
IRS990/PYSalariesCompEmpBnftPaidAmt01417894
IRS990/PYTotalExpensesAmt03942562
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04593850
IRS990/ReconcilationRevenueExpnssAmt0947788
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06344486
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07596947
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04736072
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03782144
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01963870
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01071907
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03035777
IRS990ScheduleD/EquipmentGrp/BookValueAmt0439175
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01986910
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02426085
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt04257664
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0260773
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0260773
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt053593
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt053593
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt054473844
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES & DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt05952000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1249914
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt272700
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt315073
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt4458794
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt51528535
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT - NON-NEGOTIABLE
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CORPORATE NON MATURING CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/Desc2FEDEDAL HOME LOAN BANK STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc3OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc4LIFE INSURANCE CONTRACTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc5LIFENOTES INVESTMENT
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt05205452
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ITS FINANCIAL STATEMENTS AS REQUIRED UNDER FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) ACCOUNTING STANDARDS CODIFICATION (ASC), ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. THE STANDARD PRESCRIBES A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE STANDARD ALSO PROVIDES GUIDANCE ON DE-RECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE AND TRANSITION ACCOUNTING. MANAGEMENT DETERMINED THERE WERE NO MATERIAL UNCERTAIN POSITIONS TAKEN BY THE CREDIT UNION IN ITS TAX RETURNS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02717411
IRS990ScheduleD/TotalBookValueSecuritiesAmt08277016
IRS990ScheduleD/TotalExpensesPerForm990Amt04257664
IRS990ScheduleD/TotalLiabilityAmt054473844
IRS990ScheduleD/TotalRevenuePerForm990Amt05205452
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt05205452
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt04257664
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS.
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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PRIOR TO FILING WITH THE IRS, A COPY OF THE FORM 990 AND RELATED SCHEDULES ARE REVIEWED BY THE PRESIDENT/CEO. UPON COMPLETION OF THE PRESIDENT'S REVIEW, THE FORMS ARE REVIEWED AND VOTED ON BY THE BOARD OF DIRECTORS PRIOR TO SUBMITTAL TO THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CONFLICTS OF INTEREST ARE REGULARLY REVIEWED BY THE BOARD OF DIRECTORS. IF A CONFLICT EXISTS, THEN THE CONFLICTED PERSON IS EXCLUDED FROM DISCUSSIONS AND VOTES RELATED TO ANY PONTENTIAL OR EXISTING RELATIONSHIP INVOLVING THE CONFLICT OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE PROCESS TO SET THE CEO'S SALARY IS BASED ON 3RD PARTY DATA FROM COMPEASE SOFTWARE AND THE ATTAINMENT IN THE CURRENT YEAR OF PREDEFINED PERFORMANCE OBJECTIVES SET FOR THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE DSIPLAYED IN THE LOBBIES OF OUR BRANCH OFFICES. CONFLICT OF INTEREST IS AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THERE IS NO CHANGE IN ACCOUTING PERIOD FROM PRIOR YEAR.
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 B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XII, LINE 2C
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt059332260
IRS990/TotalAssetsEOYAmt062520100
IRS990/TotalAssetsGrp/BOYAmt059332260
IRS990/TotalAssetsGrp/EOYAmt062520100
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt030
IRS990/TotalFunctionalExpensesGrp/TotalAmt04257664
IRS990/TotalGrossUBIAmt088525
IRS990/TotalLiabilitiesBOYAmt052987774
IRS990/TotalLiabilitiesEOYAmt054923153
IRS990/TotalLiabilitiesGrp/BOYAmt052987774
IRS990/TotalLiabilitiesGrp/EOYAmt054923153
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06344486
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07596947
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt04269919
IRS990/TotalReportableCompFromOrgAmt0332218
IRS990/TotalRevenueGrp/ExclusionAmt0935533
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04181394
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05205452
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt088525
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt059332260
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt062520100
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01007 WESTERN AVENUE
IRS990/USAddress/CityNm0FINDLAY
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd045840
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.MILLSTREAMCU.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JOSHUA REAMS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04194225626
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt01087 MILLSTREAM AREA CREDIT UNION INC
ReturnHeader/Filer/BusinessNameControlTxt01087
ReturnHeader/Filer/EIN0346572293
ReturnHeader/Filer/PhoneNum04194225626
ReturnHeader/Filer/USAddress/AddressLine1Txt01007 WESTERN AVENUE
ReturnHeader/Filer/USAddress/CityNm0FINDLAY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd045840
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202122306
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GBQ PARTNERS LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt04030 SMITH ROAD SUITE 400
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CINCINNATI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd045209
ReturnHeader/PreparerPersonGrp/PhoneNum05138713033
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KATHLEEN M MOSELEY
ReturnHeader/ReturnTs02025-11-17T13:27:47-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.