2013-11-04T14:52:00-06:00 2012-12-31 202122306 GBQ PARTNERS LLC 230 WEST STREET SUITE 700 COLUMBUS OH 432152663 990 2012-01-01 340825291 CARDINAL COMMUNITY CREDIT UNION CARD 4402662200 8500 WESTPORT DRIVE MENTOR OH 44060 CHRISTINE BLAKE 4402662200 2013-11-04 1 MOLLIE P LONGHOUSE P00294881 6142211120 2012 2016-03-07 17:11:31Z CHRISTINE BLAKE 8500 WESTPORT DRIVE MENTOR OH 44060 9603871 0 X WWW.CARDINALCU.COM X 1953 OH PROVIDE FINANCIAL SERVICES TO QUALIFIED MEMBERS 9 9 76 9 32493 -68735 0 0 6591195 7645831 1154859 508832 0 0 7746054 8154663 0 0 0 0 2782633 3104473 0 0 0 4055718 4120014 6838351 7224487 907703 930176 155927160 170795223 138611005 152571769 17316155 18223454 PROVIDE FINANCIAL SERVICES TO QUALIFIED MEMBERS. 0 0 PROVIDED FINANCIAL SERVICES TO MEMBERSHIP. 0 0 0 0 0 0 0 1 0 1 1 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 4545 0 1 76 1 1 1 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 X CHRISTINE BLAKE 4402662200 8500 WESTPORT DRIVE MENTOR OH 44060 JAMES GRAY 1.00 0.00 X X 0 0 0 WILLIAM PATRICK JR 1.00 0.00 X X 0 0 0 JAMES METZ 1.00 0.00 X X 0 0 0 RANDY MEARS 1.00 0.00 X X 0 0 0 KATHLEEN O'CONNELL-BURTON 1.00 0.00 X 0 0 0 RICK LAYTON 1.00 0.00 X 0 0 0 ROBERT DRAGOLIC 1.00 0.00 X 0 0 0 KENNETH DEKEN 1.00 0.00 X 0 0 0 JOANNE IOCCA 1.00 0.00 X 0 0 0 CHRISTINE BLAKE 40.00 0.00 X 214701 0 16020 214701 0 16020 1 0 1 0 FISERV 75 REMITTANCE DR CHICAGO IL 60675 DEBIT/ATM PROCESSING/DATA PROCESSING 516680 INSURANCE CENTER AGENCY INC 1175 LYONS ROAD DAYTON OH 45458 CPI INSURANCE 158602 PSCU FINANCIAL SERVICES 560 CARILLON PKWY ST PETERSBURG FL 33716 VISA CARD PROGRAM 141387 AMERICAN SHARE INSURANCE 5656 FRANTZ RD DUBLIN OH 43017 SHARE INSURANCE 132689 WELMAN WEINBERG & RESS CO LPA KEYNOTE CIRCLE CIR BROOKLYN HEIGHTS OH 44131 LEGAL SERVICES 111960 5 INTEREST ON LOANS 522100 5463326 5463326 FEES AND COMMISSIONS 522100 2040337 2007844 32493 OTHER INCOME 900099 142168 142168 7645831 634798 634798 1000000 323242 998000 451208 2000 -127966 -125966 -125966 8154663 7487372 32493 634798 230721 2258525 97022 336378 181827 130890 4800 27314 256655 691440 190412 111015 24101 730561 253568 195649 PROCESSING FEES 786195 PROVISION FOR LOAN LOSS 596016 MISC OPERATING EXPENSES 76907 DUES & SUBSCRIPTIONS 44491 7224487 9232703 14932415 93584533 117525606 8639531 2913037 5858940 5726494 8783691 1633243 34647035 25425025 3820258 5552440 155927160 170795223 1375872 1443806 586154 387538 136648979 150740425 138611005 152571769 X 0 0 0 0 17316155 18223454 17316155 18223454 155927160 170795223 930176 -22877 0 X X 0 1 X 1 0 0 1 X 1162153 1162153 5556941 1239722 4317219 1920437 1673315 247122 5726494 CERTIFICATES OF DEPOSITS - NON-NEGOTIABLE 24525025 C CORPORATE NON-MATURING CAPITAL 900000 C 25425025 MEMBER DEPOSITS 151105424 ACCRUED DIVIDENDS AND INTEREST 22539 LESS: ESCROW ACCOUNT -387538 150740425 X 8154663 0 8154663 0 8154663 7224487 0 7224487 0 7224487 PART IV, LINE 2B: MORTGAGE LOAN ESCROW FOR INSURANCE AND TAXES. DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: PART X, LINE 2: THE CREDIT UNION ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ITS FINANCIAL STATEMENTS AS REQUIRED UNDER FASB 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. THE CREDIT UNIONS INCOME TAX RETURNS PRIOR TO 2009 ARE CLOSED. MANAGEMENT DETERMINED THERE WERE NO MATERIAL UNCERTAIN POSITIONS TAKEN BY THE CREDIT UNION IN ITS TAX RETURNS. X X X X 0 0 0 CHRISTINE BLAKE 160623 0 24000 0 30078 0 7908 0 8112 0 230721 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 MEMBERSHIP IS REQUIRED FOR THE CREDIT UNION THROUGH SELECT GROUP QUALIFICATIONS. FORM 990, PART VI, SECTION A, LINE 7A THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP. FORM 990, PART VI, SECTION A, LINE 7B CERTAIN CHANGES ARE SUBJECT TO MEMBER APPROVAL. FORM 990, PART VI, SECTION B, LINE 11 THE FORMS ARE REVIEWED BY THE CEO, THE BOARD OF DIRECTORS AND CFO OF THE FINANCIAL INSTITUTION. THE FORM IS PROVIDED TO THE BOARD VIA E-MAIL. FORM 990, PART VI, SECTION B, LINE 12C THE BOARD OF DIRECTORS IS REQUIRED TO REVIEW AND SIGN THE CONFLICT AGREEMENT ANNUALLY. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION IS REVIEWED BY THE EXECUTIVE COMMITTEE. COMPARATIVE MARKET DATA IS ALSO USED FROM A THIRD PARTY SOURCE. FORM 990, PART VI, SECTION C, LINE 19 THE INSTITUTION'S FINANCIAL STATEMENTS ARE POSTED PUBLICALLY. THE GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST. FORM 990, PART XII, LINE 2C THE ORGANIZATION HAS AN AUDIT OVERSIGHT COMMITTEE THAT IS ESTABLISHED BY THE BOARD OF DIRECTORS.