Civic Intelligence

C & O United Credit Union

EIN 61-0925915 • 501(c)14 • Edgewood, KY

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Profile

C & o united credit union is a non-profit member owned financial institution. Our mission is to provide financial services at a reasonable cost.significant activities are making loans to, and holding deposit accounts for our members. We offer commonly requested services too.

3029 Dixie HwyEdgewood, KY 41017
Siviq Scores

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

Liabilities / Assets

76th percentile

0.90x

Higher debt load relative to assets than 76% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2020

Liabilities / Revenue

93rd percentile

28.81x

Higher debt load relative to revenue than 93% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2020

Net Margin

37th percentile

2.5%

Higher net margin than 37% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2020

Top Officer Pay

21st percentile

$51,243

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 8.5% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2020

Asset Growth

95th percentile

12%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Revenue Growth

5th percentile

-20%

Faster revenue growth than 5% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$19,325,920

Up $2,062,451 (+12%) from 2019

Liabilities

Up

$17,419,972

Up $2,047,369 (+13%) from 2019

Net Assets

Up

$1,905,948

Up $15,082 (+0.8%) from 2019

Operations
Liabilities / Revenue93rd percentileNet Margin37th percentile

Revenue

Down

$604,569

Down $150,053 (-20%) from 2019

Expenses

Down

$589,487

Down $103,573 (-15%) from 2019

Net Income

Down

$15,082

Down $46,480 (-76%) from 2019

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $15,279,898Liabilities 2010: $28,807Net Assets 2010: $15,251,0912010Assets 2011: $15,082,482Liabilities 2011: $27,389Net Assets 2011: $15,055,0932011Assets 2012: $15,492,001Liabilities 2012: $33,301Net Assets 2012: $15,458,7002012Assets 2013: $14,827,993Liabilities 2013: $43,172Net Assets 2013: $14,784,8212013Assets 2014: $14,942,390Liabilities 2014: $57,615Net Assets 2014: $14,884,7752014Assets 2015: $15,643,558Liabilities 2015: $44,980Net Assets 2015: $15,598,5782015Assets 2016: $15,492,023Liabilities 2016: $13,775,897Net Assets 2016: $1,716,1262016Assets 2017: $15,947,977Liabilities 2017: $14,206,612Net Assets 2017: $1,741,3652017Assets 2018: $16,113,825Liabilities 2018: $14,284,521Net Assets 2018: $1,829,3042018Assets 2019: $17,263,469Liabilities 2019: $15,372,603Net Assets 2019: $1,890,8662019Assets 2020: $19,325,920Liabilities 2020: $17,419,972Net Assets 2020: $1,905,9482020

Highlighted filing

2020

Assets$19,325,920
Liabilities$17,419,972
Net Assets$1,905,948
Open 2020 Filing

Operations Trend

Revenue Growth5th percentile

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

$1.0M$500K$0-$500KExpenses 2010: $877,2642010Expenses 2011: $860,7072011Expenses 2012: $715,4492012Revenue 2013: $637,534Expenses 2013: $624,215Net Income 2013: $13,3192013Revenue 2014: $601,743Expenses 2014: $662,556Net Income 2014: -$60,8132014Revenue 2015: $635,869Expenses 2015: $633,558Net Income 2015: $2,3112015Revenue 2016: $657,869Expenses 2016: $636,072Net Income 2016: $21,7972016Revenue 2017: $672,364Expenses 2017: $647,125Net Income 2017: $25,2392017Revenue 2018: $719,103Expenses 2018: $631,164Net Income 2018: $87,9392018Revenue 2019: $754,622Expenses 2019: $693,060Net Income 2019: $61,5622019Revenue 2020: $604,569Expenses 2020: $589,487Net Income 2020: $15,0822020

Highlighted filing

2020

Revenue$604,569
Expenses$589,487
Net Income$15,082
Open 2020 Filing

Filings

Most recent year

2020 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$19,325,920
Liabilities
$17,419,972
Net assets
$1,905,948
Revenue
$604,569
Expenses
$589,487
Net income
$15,082
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.3$17.4$1.91$0.60$0.59$0.02
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.3$15.4$1.89$0.75$0.69$0.06
2018Summary only. Only limited summary data is available for this year.$16.1$14.3$1.83$0.72$0.63$0.09
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.9$14.2$1.74$0.67$0.65$0.03
2016Summary only. Only limited summary data is available for this year.$15.5$13.8$1.72$0.66$0.64$0.02
2015Detailed filing. Detailed filing data is available for this year.$15.6$0.04$15.6$0.64$0.63$0.00
2014Detailed filing. Detailed filing data is available for this year.$14.9$0.06$14.9$0.60$0.66$0.06
2013Detailed filing. Detailed filing data is available for this year.$14.8$0.04$14.8$0.64$0.62$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.5$0.03$15.5$0.72
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.1$0.03$15.1$0.86
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.3$0.03$15.3$0.88
Latest Detailed Filing

The latest 2020 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2017 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 14, 2018
Return Version
2017v2.0
Gross Receipts
$672,364
Mission and Program Overview

Mission

C & o united credit union is a non-profit member owned financial institution. Our mission is to provide financial services at a reasonable cost.significant activities are making loans to, and holding deposit accounts for our members. We offer commonly requested services too.

C & o united credit union is a non-profit, member owned financial institution. Our mission is to provide financial services at a reasonable cost. Significant activities are making loans to and hold deposit account for our members. We offer commonly requested services too.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$8,169,791$8,194,617▲ $24,826
Accounts Receivable$4,701,456$4,815,539▲ $114,083
Rtn Earn Endowment Incm Other Fnds$1,716,126$1,741,365▲ $25,239
Cash and Non-Interest-Bearing Accounts$1,413,375$1,515,735▲ $102,360
Savings and Temporary Cash Investments$1,020,673$1,228,515▲ $207,842
Prepaid Expenses and Deferred Charges$19,530$22,785▲ $3,255
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$15,492,023$15,947,977▲ $455,954
Other Assets Total$167,198$170,786▲ $3,588
Liabilities
Other Liabilities$13,732,519$14,104,627▲ $372,108
Accounts Payable and Accrued Expenses$43,378$101,985▲ $58,607
Total Liabilities$13,775,897$14,206,612▲ $430,715
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,716,126$1,741,365▲ $25,239
Total Liabilities and Net Assets / Fund Balance$15,492,023$15,947,977▲ $455,954

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$204,617--
Closely Held Equity Interests$0--
Financial Derivatives$0--
Compensation and Service Providers
Top Officer Pay21st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mike CooperCEOFT$79,348$79,348

Board Members and Trustees

NameTitle
Jeff PohlmanChairperson
William NeuVice Chairperson
Angela TubesingDirector
Brandon HamiltonDirector
Chris BryantDirector
Mary AlexanderDirector
Bill HowardSupervisory Committee
Bryan BishopSupervisory Committee
Steve MontgomeryTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$549,178
Investment Income
$123,186
Other Revenue
$0
Change in Net Assets
$25,239
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$373,291
Salaries, Compensation, and Employee Benefits$273,834
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$135,333
Current Officers, Directors, Trustees, and Key Employees---$79,348
Occupancy---$66,386
Other Employee Benefits---$37,545
Office Expenses---$29,285
All Other Expenses---$19,042
Payroll Taxes---$16,044
Fees for Services Accounting---$10,386
Advertising---$7,301
Pension Plan Contributions---$5,564
Depreciation Depletion---$4,425
Fees for Services Legal---$2,400
Other Expenses---$350
Total Functional Expenses$0$0$0$647,125
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
Member Share & Deposits$14,104,627
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

“Members of the credit union qualify for membership based on field of membership requirements set by the credit union. Members are the depositors and also debtors if they qualify for the loan.”

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

“All members in good standing may participate in the election process for board members.”

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

“The completed federal filing was presented to all board members and discussed at a board meeting”

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

“Board members are expected to adhere to the organization's conflict of interest policy and self assess any conflicting transaction would be discussed at a board meeting”

Form 990, Part VI, Section B, Line 15

“Benefit packages are offered based on comparable packages for the position, goals for the employee, qualifications of the employee and the geographic location. The package is approved by the board.”

Form 990, Part VI, Section C, Line 19

“AVAILABLE UPON REQUEST”

Filing and Contact Details

Filer

Filer Name
C & O United Credit Union
EIN
61-0925915
Phone
8593313447
Address
3029 DIXIE HWY, EDGEWOOD, KY 41017

Signing Officer

Name
Mike Cooper
Title
CEO
Phone
8593313447
Signed
2018-05-14

Organization Details

Principal Officer
Jeff Pohlman
Formed
1929
Legal Domicile
Ky
Voting Board Members
7
Independent Board Members
7
Employees
7
Volunteers
10
Raw XML Appendix383 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/BOYAmt043378
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0101985
IRS990/AccountsReceivableGrp/BOYAmt04701456
IRS990/AccountsReceivableGrp/EOYAmt04815539
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0C & O UNITED CREDIT UNION IS A NON-PROFIT, MEMBER OWNED FINANCIAL INSTITUTION. OUR MISSION IS TO PROVIDE FINANCIAL SERVICES AT A REASONABLE COST. SIGNIFICANT ACTIVITIES ARE MAKING LOANS TO AND HOLD DEPOSIT ACCOUNT FOR OUR MEMBERS. WE OFFER COMMONLY REQUESTED SERVICES TOO.
IRS990/AdvertisingGrp/TotalAmt07301
IRS990/AllOtherExpensesGrp/TotalAmt019042
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0C & O UNITED CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum08593313447
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03029 DIXIE HWY
IRS990/BooksInCareOfDetail/USAddress/CityNm0EDGEWOOD
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0KY
IRS990/BooksInCareOfDetail/USAddress/ZIPCd041017
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01413375
IRS990/CashNonInterestBearingGrp/EOYAmt01515735
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt079348
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0123186
IRS990/CYOtherExpensesAmt0373291
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0549178
IRS990/CYRevenuesLessExpensesAmt025239
IRS990/CYSalariesCompEmpBnftPaidAmt0273834
IRS990/CYTotalExpensesAmt0647125
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0672364
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt04425
IRS990/Desc0SIGNIFICANT ACTIVITIES ARE MAKING LOANS TO, AND HOLDING DEPOSIT ACCOUNTS FOR OUR MEMBERS. WE OFFER COMMONLY REQUESTED SERVICES TO MEET THE NEEDS OF MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd00
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt07
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt010386
IRS990/FeesForServicesLegalGrp/TotalAmt02400
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt950
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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/PersonNm0JEFF POHLMAN
IRS990/Form990PartVIISectionAGrp/PersonNm1WILLIAM NEU
IRS990/Form990PartVIISectionAGrp/PersonNm2MARY ALEXANDER
IRS990/Form990PartVIISectionAGrp/PersonNm3STEVE MONTGOMERY
IRS990/Form990PartVIISectionAGrp/PersonNm4CHRIS BRYANT
IRS990/Form990PartVIISectionAGrp/PersonNm5ANGELA TUBESING
IRS990/Form990PartVIISectionAGrp/PersonNm6BRANDON HAMILTON
IRS990/Form990PartVIISectionAGrp/PersonNm7BRYAN BISHOP
IRS990/Form990PartVIISectionAGrp/PersonNm8BILL HOWARD
IRS990/Form990PartVIISectionAGrp/PersonNm9MIKE COOPER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt979348
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/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01929
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0672364
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0123186
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt08169791
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt08194617
IRS990/IRPDocumentCnt0220
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0KY
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0C & O UNITED CREDIT UNION IS A NON-PROFIT MEMBER OWNED FINANCIAL INSTITUTION. OUR MISSION IS TO PROVIDE FINANCIAL SERVICES AT A REASONABLE COST.SIGNIFICANT ACTIVITIES ARE MAKING LOANS TO, AND HOLDING DEPOSIT ACCOUNTS FOR OUR MEMBERS. WE OFFER COMMONLY REQUESTED SERVICES TOO.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt01716126
IRS990/NetAssetsOrFundBalancesEOYAmt01741365
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt066386
IRS990/OfficeExpensesGrp/TotalAmt029285
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0167198
IRS990/OtherAssetsTotalGrp/EOYAmt0170786
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt037545
IRS990/OtherExpensesGrp/Desc0OUTSIDE SERVICES & INSURANCE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc2DIVIDENDS
IRS990/OtherExpensesGrp/Desc3DUES
IRS990/OtherExpensesGrp/TotalAmt0217335
IRS990/OtherExpensesGrp/TotalAmt14820
IRS990/OtherExpensesGrp/TotalAmt211561
IRS990/OtherExpensesGrp/TotalAmt3350
IRS990/OtherLiabilitiesGrp/BOYAmt013732519
IRS990/OtherLiabilitiesGrp/EOYAmt014104627
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0135333
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt016044
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt05564
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt019530
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt022785
IRS990/PrincipalOfficerNm0JEFF POHLMAN
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2SUNDRY
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0342690
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1113028
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt293460
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0342690
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1113028
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt293460
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0104283
IRS990/PYOtherExpensesAmt0366201
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0553586
IRS990/PYRevenuesLessExpensesAmt021797
IRS990/PYSalariesCompEmpBnftPaidAmt0269871
IRS990/PYTotalExpensesAmt0636072
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0657869
IRS990/ReconcilationRevenueExpnssAmt025239
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01716126
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01741365
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01020673
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01228515
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt00
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt014104627
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE & DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt07990000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1204617
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATE OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueSecuritiesAmt08194617
IRS990ScheduleD/TotalLiabilityAmt014104627
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS OF THE CREDIT UNION QUALIFY FOR MEMBERSHIP BASED ON FIELD OF MEMBERSHIP REQUIREMENTS SET BY THE CREDIT UNION. MEMBERS ARE THE DEPOSITORS AND ALSO DEBTORS IF THEY QUALIFY FOR THE LOAN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL MEMBERS IN GOOD STANDING MAY PARTICIPATE IN THE ELECTION PROCESS FOR BOARD MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE COMPLETED FEDERAL FILING WAS PRESENTED TO ALL BOARD MEMBERS AND DISCUSSED AT A BOARD MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD MEMBERS ARE EXPECTED TO ADHERE TO THE ORGANIZATION'S CONFLICT OF INTEREST POLICY AND SELF ASSESS ANY CONFLICTING TRANSACTION WOULD BE DISCUSSED AT A BOARD MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4BENEFIT PACKAGES ARE OFFERED BASED ON COMPARABLE PACKAGES FOR THE POSITION, GOALS FOR THE EMPLOYEE, QUALIFICATIONS OF THE EMPLOYEE AND THE GEOGRAPHIC LOCATION. THE PACKAGE IS APPROVED BY THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5AVAILABLE UPON REQUEST
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
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt015492023
IRS990/TotalAssetsEOYAmt015947977
IRS990/TotalAssetsGrp/BOYAmt015492023
IRS990/TotalAssetsGrp/EOYAmt015947977
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0647125
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt013775897
IRS990/TotalLiabilitiesEOYAmt014206612
IRS990/TotalLiabilitiesGrp/BOYAmt013775897
IRS990/TotalLiabilitiesGrp/EOYAmt014206612
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01716126
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01741365
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0549178
IRS990/TotalReportableCompFromOrgAmt079348
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0672364
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0672364
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt015492023
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt015947977
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03029 DIXIE HWY
IRS990/USAddress/CityNm0EDGEWOOD
IRS990/USAddress/StateAbbreviationCd0KY
IRS990/USAddress/ZIPCd041017
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Mike Cooper
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08593313447
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0C & O United Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0C&OU
ReturnHeader/Filer/EIN0610925915
ReturnHeader/Filer/PhoneNum08593313447
ReturnHeader/Filer/USAddress/AddressLine1Txt03029 DIXIE HWY
ReturnHeader/Filer/USAddress/CityNm0EDGEWOOD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0KY
ReturnHeader/Filer/USAddress/ZIPCd041017
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0216.68.139.154
ReturnHeader/ReturnTs02018-05-14T10:47:55-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

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