2016-11-14T15:03:38-06:00 2015-12-31 BKD LLP 201 N Illinois Street Indianapolis IN 46204 990 2015-01-01 310546041 1307 Day Air Credit Union % DEANNA DAHLING 1307 9376432160 3501 Wilmington Pike Kettering OH 45429 WILLIAM BURKE CEO 9376432160 2016-11-15 true MICHAEL J SUMMERS P00838533 3173834000 2016-11-15 2015 2017-02-10 21:41:12Z WILLIAM BURKE 3501 Wilmington Pike Kettering OH 45429 25217167 false X WWW.DAYAIR.ORG X 1945 OH TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS. 9 9 90 13 127402 -110616 0 0 13539273 15284787 1279549 43254 0 0 14818822 15328041 0 0 0 0 4191818 4380925 0 0 0 6012310 6660982 10204128 11041907 4614694 4286134 290238530 309583247 255839339 271052293 34399191 38530954 TO PROVIDE FINANCIAL SERVICES TO MEMBERS. false false PROVIDE FINANCIAL SERVICES TO MEMBERS. false false false false false false false false true false false false true false false true false false false false false false false false false false false true false false false false false false false false false false true false false false true 4929 0 true 90 true true true false false false false false X 9 9 false false false false true true false true true false true true true true true true true true true true false X DEANNA DAHLING 9376432160 3501 WILMINGTON PIKE KETTERING OH 45429 al bertleff chairman 1.0 0.0 X X 0 0 0 TIM BROWN VICE CHAIRMAN 1.0 0.0 X X 0 0 0 DEB SALMONS SECRETARY 1.0 0.0 X X 0 0 0 ED KUHLMAN TREASURER 1.0 0.0 X X 454 0 0 RAY WAGONER BOARD MEMBER 1.0 0.0 X 0 0 0 JOHN WECKESSER BOARD MEMBER 1.0 0.0 X 0 0 0 MANDY SCHRANK BOARD MEMBER 1.0 0.0 X 0 0 0 RALPH FRASCA BOARD MEMBER 1.0 0.0 X 0 0 0 HELEN BURDSALL BOARD MEMBER 1.0 0.0 X 0 0 0 WILLIAM BURKE CEO 40.0 0.0 X 264013 0 13201 Deanna Dahling VP OF FINANCE 40.0 0.0 X 105500 0 17199 JAMES FLETCHER VP OF IT 40.0 0.0 X 129544 0 13311 JANNELL EICHSTAEDT VP OF MEMBER SERVICE 40.0 0.0 X 113025 0 14177 STEVE SHORE EVP 40.0 0.0 X 159024 0 12551 771560 0 70439 5 false true false CU ANSWERS 6000 28TH ST SE SUITE 100 GRAND RAPIDS MI 49546 Core system 887516 vantiv 8500 Governors Hill Drive CINCINNATI OH 45249 CREDIT CARD PROCESS. 452461 2 0 INTEREST ON LOANS 522100 10124143 10124143 FEE & OTHER INCOME 522100 2787442 2787442 SERVICE FEE INCOME 522100 1793940 1666538 127402 INTEREST - INV. SECURITIES 522100 579262 579262 15284787 0 0 0 0 0 0 9932380 9889126 43254 43254 43254 0 0 0 0 15328041 15157385 127402 43254 0 0 0 0 400287 0 3184608 230254 322311 243465 0 4351 60110 0 0 0 3996 565787 537405 0 0 416442 0 0 0 1291149 0 114185 47096 SERVICE & DATA PROCESSING 2088775 BAD DEBT EXPENSE 700689 OTHER EXPENSES 463772 LOAN SERVICING 367225 11041907 X 1894496 804980 4546300 6566348 0 0 0 0 0 0 0 0 239071064 261904716 0 0 0 0 5426519 1866496 3660212 3560023 25085765 22129830 11038726 9814698 0 0 0 0 4941967 4802652 290238530 309583247 1848305 3375843 0 0 0 0 0 0 0 0 0 0 0 0 16066122 13124977 237924912 254551473 255839339 271052293 X 0 0 0 0 34399191 38530954 34399191 38530954 290238530 309583247 4286134 -154371 X false true X true false 1048446 1048446 3454611 1362240 2092371 468995 324058 144937 263793 97583 166210 190674 82615 108059 3560023 0 MEMBERS' SHARES & DEPOSITS 254551473 254551473 15328041 15328041 15328041 11041907 11041907 11041907 PART X, LINE 2 FIN 48 DISCLOSURE: MANAGEMENT HAS EVALUATED THEIR INCOME TAX POSITIONS UNDER THE GUIDANCE INCLUDED IN ASC 740. BASED ON THEIR REVIEW, MANAGEMENT HAS NOT IDENTIFIED ANY MATERIAL UNCERTAIN TAX POSITIONS TO BE RECORDED OR DISCLOSED IN THE FINANCIAL STATEMENTS. X true true X X X X false false false WILLIAM BURKE CEO 221666 0 42347 0 0 0 13201 0 0 0 277214 0 0 0 STEVE SHORE EVP 150999 0 8025 0 0 0 4025 0 8526 0 171575 0 0 0 SCHEDULE J, PART I, LINE 1A TRAVEL FOR COMPANIONS: TRAVEL FOR COMPANIONS IS PROVIDED TO THE BOARD OF DIRECTORS TO FURTHER THE BUSINESS ACTIVITIES OF THE CREDIT UNION. INCOME IS REPORTED TO THE INDIVIDUALS RECEIVING THE BENEFIT ON THE APPLICABLE FORMS WHEN REQUIRED. FORM 990, PART VI, SECTION A, LINE 6 MEMBERS OR STOCKHOLDERS: MEMBERSHIP IS OPEN TO ANYONE WHO LIVES, WORKS, WORSHIPS OR ATTENDS SCHOOL IN MONTGOMERY, GREENE, WARREN, BUTLER, CLARK, CHAMPAIGN, DARKE, PREBLE, AND MIAMI COUNTIES IN OHIO AS DESCRIBED IN THE ORGANIZATIONS BYLAWS AND COMMUNITY CHARTER. FORM 990, PART VI, SECTION A, LINE 7A ELECTION OF MEMBERS OF THE GOVERNING BODY: THE BOARD OF DIRECTORS IS THE GOVERNING BODY AND CONSISTS OF NINE DIRECTORS. NINE BOARD MEMBERS ARE ELECTED at the annual meeting held in April. FORM 990, PART VI, SECTION B, LINE 11B REVIEW OF FORM 990: THE FORM 990 IS REVIEWED BY THE CEO AND CONTROLLER PRIOR TO FILING WITH THE IRS. THE BOARD OF DIRECTORS RECEIVE A COPY OF THE FORM 990 BEFORE IT IS FILED. THE FORM 990 IS ALSO REVIEWED BY AN INDEPENDENT ACCOUNTING FIRM. FORM 990, PART VI, SECTION B, LINE 12C CONFLICT OF INTEREST POLICY: THE ORGANIZATION REQUIRES AN ANNUAL CONFLICT OF INTEREST DISCLOSURE FORM TO BE COMPLETED BY THE BOARD OF DIRECTORS, THE OFFICERS AND KEY EMPLOYEES. THESE FORMS ARE REVIEWED BY THE BOARD OF DIRECTORS. IF A CONFLICT OF INTEREST DOES ARISE THE INDIVIDUAL WITH A CONFLICT IS RECUSED FROM THE DISCUSSION AND VOTING ON THE ISSUE. IF A POTENTIAL CONFLICT OF INTEREST DOES ARISE DURING THE YEAR IT IS THE RESPONSIBILITY OF THE INDIVIDUAL TO COMMUNICATE THIS CONFLICT TO THE APPROPRIATE INDIVIDUALS. FORM 990, PART VI, SECTION B, LINE 15A & 15B REVIEW OF COMPENSATION: COMPENSATION OF CEO IS REVIEWED ANNUALLY BY THE BOARD OF DIRECTORS AND SET USING COMPARABLE SURVEYS FROM THIRD PARTY INDEPENDENT CONSULTANTS. COMPENSATION FOR OTHER OFFICERS IS SET ANNUALLY BY MANAGEMENT USING COMPARABLE SALARY SURVEY DATA FROM THIRD PARTY CONSULTANTS. FORM 990, PART VI, SECTION C, LINE 19 AVAILABILITY OF FINANCIAL STATEMENTS AND GOVERNING DOCUMENTS: FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY OF BRANCHES. ADDITIONALLY, FINANCIAL STATEMENTS AND GOVERNING DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. DAY AIR INSURANCE LLC 3501 WILMINGTON PIKE KETTERING OH 45429 463139477 INSURANCE OH 29205 91501 DAY AIR CU