37 KEMBA FINANCIAL CREDIT UNION: Form 990, tax year 2012
View the entire original 990 at ProPublica ↗
- Organization
- 37 KEMBA FINANCIAL CREDIT UNION (EIN 31-6034826)
- Tax period
- 2012-01-01 to 2012-12-31
- Filed
- 2013-07-23
- IRS object ID
- 201322049349300312
- Schema version
- 2012v2.0
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Timestamp | 2013-07-23T10:34:00-05:00 | Timestamp |
| Tax Period End Date | 2012-12-31 | TaxPeriodEndDate |
| Return Type | 990 | ReturnType |
| Tax Period Begin Date | 2012-01-01 | TaxPeriodBeginDate |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 316034826 | EIN |
Name Name
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | 37 KEMBA FINANCIAL CREDIT UNION | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Control | 37KE | NameControl |
| Phone | 6142352395 | Phone |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 555 OFFICENTER PLACE | AddressLine1 |
| City | GAHANNA | City |
| State | OH | State |
| ZIP Code | 43230 | ZIPCode |
Officer Officer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | GERALD D GUY | Name |
| Title | PRESIDENTCEO | Title |
| Phone | 6142352395 | Phone |
| Date Signed | 2013-03-20 | DateSigned |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax Year | 2012 | TaxYear |
| Build TS | 2016-02-24 21:20:13Z | BuildTS |
Form 990 IRS990
Doing Business As DoingBusinessAs
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | 37 KEMBA FINANCIAL CREDIT UNION | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Of Principal Officer Person | GERALD D GUY | NameOfPrincipalOfficerPerson |
Address Principal Officer US AddressPrincipalOfficerUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 555 OFFICENTER PLACE | AddressLine1 |
| City | GAHANNA | City |
| State | OH | State |
| ZIP Code | 43230 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | 40498818 | GrossReceipts |
| Group Return For Affiliates | false | GroupReturnForAffiliates |
| All Affiliates Included | true | AllAffiliatesIncluded |
| Organization501c | X | Organization501c |
| Web Site | WWW.KEMBA.ORG | WebSite |
| Type Of Organization Corporation | X | TypeOfOrganizationCorporation |
| Year Formation | 1933 | YearFormation |
| State Legal Domicile | OH | StateLegalDomicile |
| Activity Or Mission Description | PROVIDE SUPERIOR QUALITY & INNOVATIVE CONVENIENT AND COMPETITIVE FINANCIAL SERVICES THAT WILL CONTRIBUTE TO THE WELL BEING OF OUR MEMBERS AND THEIR FAMILIES. | ActivityOrMissionDescription |
| Nbr Voting Members Governing Body | 9 | NbrVotingMembersGoverningBody |
| Nbr Independent Voting Members | 9 | NbrIndependentVotingMembers |
| Total Nbr Employees | 236 | TotalNbrEmployees |
| Total Nbr Volunteers | 9 | TotalNbrVolunteers |
| Total Gross UBI | 449235 | TotalGrossUBI |
| Net Unrelated Business Txbl Income | -1049863 | NetUnrelatedBusinessTxblIncome |
| Contributions Grants Current Year | 0 | ContributionsGrantsCurrentYear |
| Program Service Revenue Prior Year | 35946921 | ProgramServiceRevenuePriorYear |
| Program Service Revenue CY | 38311101 | ProgramServiceRevenueCY |
| Investment Income Prior Year | 2765625 | InvestmentIncomePriorYear |
| Investment Income Current Year | 2097358 | InvestmentIncomeCurrentYear |
| Other Revenue Prior Year | 82629 | OtherRevenuePriorYear |
| Other Revenue Current Year | 90359 | OtherRevenueCurrentYear |
| Total Revenue Prior Year | 38795175 | TotalRevenuePriorYear |
| Total Revenue Current Year | 40498818 | TotalRevenueCurrentYear |
| Grants And Similar Amnts CY | 0 | GrantsAndSimilarAmntsCY |
| Benefits Paid To Members Prior Year | 6249009 | BenefitsPaidToMembersPriorYear |
| Benefits Paid To Members CY | 5603698 | BenefitsPaidToMembersCY |
| Salaries Etc Prior Year | 10186594 | SalariesEtcPriorYear |
| Salaries Etc Current Year | 11499445 | SalariesEtcCurrentYear |
| Total Prof Fundrsng Exp CY | 0 | TotalProfFundrsngExpCY |
| Total Fundrsng Exp Current Year | 0 | TotalFundrsngExpCurrentYear |
| Other Expense Prior Year | 14792065 | OtherExpensePriorYear |
| Other Expenses Current Year | 14047023 | OtherExpensesCurrentYear |
| Total Expenses Prior Year | 31227668 | TotalExpensesPriorYear |
| Total Expenses Current Year | 31150166 | TotalExpensesCurrentYear |
| Revenues Less Expenses Prior Year | 7567507 | RevenuesLessExpensesPriorYear |
| Revenues Less Expenses CY | 9348652 | RevenuesLessExpensesCY |
| Total Assets BOY | 663289143 | TotalAssetsBOY |
| Total Assets EOY | 750725795 | TotalAssetsEOY |
| Total Liabilities BOY | 587284946 | TotalLiabilitiesBOY |
| Total Liabilities EOY | 664870159 | TotalLiabilitiesEOY |
| Net Assets Or Fund Balances BOY | 76004197 | NetAssetsOrFundBalancesBOY |
| Net Assets Or Fund Balances EOY | 85855636 | NetAssetsOrFundBalancesEOY |
| Mission Description | TO PROVIDE LENDING SAVINGS AND OTHER FINANCIAL SERVICES TO ITS QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THAN THOSE FOUND IN THE MARKET PLACE WITH SERVICE-BASED EMPHASIS TO OUR OWNERS. | MissionDescription |
| Significant New Program Services | false | SignificantNewProgramServices |
| Significant Change | false | SignificantChange |
| Activity Code | 522130 | ActivityCode |
| Description | PROVIDE FINANCIAL SERVICES TO OUR MEMBERS | Description |
| Described In501 C3 | false | DescribedIn501C3 |
| Schedule B Required | false | ScheduleBRequired |
| Political Activities | false | PoliticalActivities |
| Subject To Proxy Tax | false | SubjectToProxyTax |
| Donor Advised Funds | false | DonorAdvisedFunds |
| Conservation Easements | false | ConservationEasements |
| Collections Of Art | false | CollectionsOfArt |
| Credit Counseling | true | CreditCounseling |
| Term Or Permanent Endowments | false | TermOrPermanentEndowments |
| Report Land Bldg Equip | true | ReportLandBldgEquip |
| Report Invest Oth Securities | false | ReportInvestOthSecurities |
| Report Prog Rel Invest | false | ReportProgRelInvest |
| Report Other Assets | false | ReportOtherAssets |
| Report Other Liabilities | true | ReportOtherLiabilities |
| Report Fin48 Footnote | false | ReportFin48Footnote |
| Independent Audit Financial Stmt | true | IndependentAuditFinancialStmt |
| Consolidated Audit Financial Stmt | false | ConsolidatedAuditFinancialStmt |
| School | false | School |
| Foreign Office | false | ForeignOffice |
| Foreign Activities | false | ForeignActivities |
| More Than5000 K To Organizations | false | MoreThan5000KToOrganizations |
| More Than5000 K To Individuals | false | MoreThan5000KToIndividuals |
| Professional Fundraising | false | ProfessionalFundraising |
| Fundraising Activities | false | FundraisingActivities |
| Gaming | false | Gaming |
| Hospital | false | Hospital |
| Grants To Organizations | false | GrantsToOrganizations |
| Grants To Individuals | false | GrantsToIndividuals |
| Schedule J Required | true | ScheduleJRequired |
| Tax Exempt Bonds | false | TaxExemptBonds |
| Invest Tax Exempt Bonds | false | InvestTaxExemptBonds |
| Escrow Account | false | EscrowAccount |
| On Behalf Of Issuer | false | OnBehalfOfIssuer |
| Excess Benefit Transaction | false | ExcessBenefitTransaction |
| Prior Excess Benefit Transaction | false | PriorExcessBenefitTransaction |
| Loan To Officer Or DQP | true | LoanToOfficerOrDQP |
| Grant To Related Person | false | GrantToRelatedPerson |
| Bsnss Rltnshp With Organization | false | BsnssRltnshpWithOrganization |
| Bsnss Rltnshp Thru Family Member | false | BsnssRltnshpThruFamilyMember |
| Officer Entity With Bsnss Rltnshp | false | OfficerEntityWithBsnssRltnshp |
| Deductible Non Cash Contributions | false | DeductibleNonCashContributions |
| Deductible Contributions Of Art | false | DeductibleContributionsOfArt |
| Terminated | false | Terminated |
| Partial Liquidation | false | PartialLiquidation |
| Disregarded Entity | false | DisregardedEntity |
| Related Entity | true | RelatedEntity |
| Related Org Controlled Entity | false | RelatedOrgControlledEntity |
| Transfers To Exempt Non Chrtbl Org | false | TransfersToExemptNonChrtblOrg |
| Activities Conducted Partnership | false | ActivitiesConductedPartnership |
| Schedule O Required | true | ScheduleORequired |
| Info In Schedule O Part V | X | InfoInScheduleOPartV |
| Number Forms Transmitted With1096 | 23300 | NumberFormsTransmittedWith1096 |
| Number W2 G Included | 0 | NumberW2GIncluded |
| Compliance With Backup Witholding | true | ComplianceWithBackupWitholding |
| Number Of Employees | 236 | NumberOfEmployees |
| Employment Tax Returns Filed | true | EmploymentTaxReturnsFiled |
| Unrelated Business Income | true | UnrelatedBusinessIncome |
| Form990-T Filed | true | Form990-TFiled |
| Foreign Financial Account | false | ForeignFinancialAccount |
| Prohibited Tax Shelter Trans | false | ProhibitedTaxShelterTrans |
| Taxable Party Notification | false | TaxablePartyNotification |
| Non Deductible Contributions | false | NonDeductibleContributions |
| Non Deductible Disclosure | false | NonDeductibleDisclosure |
| Quid Pro Quo Contributions | false | QuidProQuoContributions |
| Quid Pro Quo Disclosure | false | QuidProQuoDisclosure |
| Form8282 Property Disposed Of | false | Form8282PropertyDisposedOf |
| Funds To Pay Premiums | false | FundsToPayPremiums |
| Premiums Paid | false | PremiumsPaid |
| Form8899 Filed | false | Form8899Filed |
| Form1098 C Filed | false | Form1098CFiled |
| Excess Business Holdings | false | ExcessBusinessHoldings |
| Taxable Distributions | false | TaxableDistributions |
| Distribution To Donor | false | DistributionToDonor |
| Filed Lieu1041 | false | FiledLieu1041 |
| Licensed More Than One State | false | LicensedMoreThanOneState |
| Indoor Tanning Services | false | IndoorTanningServices |
| Info In Schedule O Part VI | X | InfoInScheduleOPartVI |
| Nbr Voting Governing Body Members | 9 | NbrVotingGoverningBodyMembers |
| Number Independent Voting Members | 9 | NumberIndependentVotingMembers |
| Family Or Business Relationship | false | FamilyOrBusinessRelationship |
| Delegation Of Management Duties | false | DelegationOfManagementDuties |
| Changes To Organizing Docs | false | ChangesToOrganizingDocs |
| Material Diversion Or Misuse | false | MaterialDiversionOrMisuse |
| Members Or Stockholders | true | MembersOrStockholders |
| Election Of Board Members | true | ElectionOfBoardMembers |
| Decisions Subject To Approval | false | DecisionsSubjectToApproval |
| Minutes Of Governing Body | true | MinutesOfGoverningBody |
| Minutes Of Committees | true | MinutesOfCommittees |
| Officer Mailing Address | false | OfficerMailingAddress |
| Local Chapters | false | LocalChapters |
| Policies Reference Chapters | false | PoliciesReferenceChapters |
| Form990 Provided To Governing Body | false | Form990ProvidedToGoverningBody |
| Conflict Of Interest Policy | true | ConflictOfInterestPolicy |
| Annual Disclosure Covered Persons | true | AnnualDisclosureCoveredPersons |
| Regular Monitoring Enforcement | true | RegularMonitoringEnforcement |
| Whistleblower Policy | false | WhistleblowerPolicy |
| Document Retention Policy | true | DocumentRetentionPolicy |
| Compensation Process CEO | true | CompensationProcessCEO |
| Compensation Process Other | true | CompensationProcessOther |
| Investment In Joint Venture | true | InvestmentInJointVenture |
| Written Policy Or Procedure | true | WrittenPolicyOrProcedure |
| States Where Copy Of Return Is Filed | OH | StatesWhereCopyOfReturnIsFiled |
| Upon Request | X | UponRequest |
The Books Are In Care Of TheBooksAreInCareOf
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Person | JANET OILER | NamePerson |
| Telephone Number | 6142352395 | TelephoneNumber |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 555 OFFICENTER PLACE | AddressLine1 |
| City | GAHANNA | City |
| State | OH | State |
| ZIP Code | 43230 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part VII | X | InfoInScheduleOPartVII |
Form990 Part VII Section A Form990PartVIISectionA (21 entries)
| TitleTitle | Average Hours Per WeekAverageHoursPerWeek | Individual Trustee Or DirectorIndividualTrusteeOrDirector | Reportable Comp From OrganizationReportableCompFromOrganization | Reportable Comp From Related OrgsReportableCompFromRelatedOrgs | Other CompensationOtherCompensation | OfficerOfficer | Highest Compensated EmployeeHighestCompensatedEmployee |
|---|---|---|---|---|---|---|---|
| MARK SOLOMON | |||||||
| CHAIRMAN | 5 | X | 0 | 0 | 0 | ||
| KATHY SHROYER | |||||||
| VICE CHAIR | 5 | X | 0 | 0 | 0 | ||
| STEVEN PERDUE | |||||||
| TREASURER | 5 | X | 0 | 0 | 0 | ||
| MARJORIE BRANT | |||||||
| SECRETARY | 5 | X | 0 | 0 | 0 | ||
| DONNA FOLBERTH | |||||||
| DIRECTOR | 5 | X | 0 | 0 | 0 | ||
| WILLIAM MUNK | |||||||
| DIRECTOR | 5 | X | 0 | 0 | 0 | ||
| JEFFREY GALE | |||||||
| DIRECTOR | 5 | X | 0 | 0 | 0 | ||
| JOHN HAUGEN | |||||||
| DIRECTOR | 5 | X | 0 | 0 | 0 | ||
| MICHAEL SLAPER | |||||||
| DIRECTOR | 5 | X | 0 | 0 | 0 | ||
| GERALD GUY | |||||||
| PRESIDENT CEO | 60 | 377192 | 0 | 50958 | X | ||
| MARK DECELLO | |||||||
| EXECUTIVE VP | 60 | 254745 | 0 | 72348 | X | ||
| MICHAEL DORSETT | |||||||
| VP OF LENDING | 60 | 75637 | 0 | 11894 | X | ||
| PHILP HUNT | |||||||
| CFO | 60 | 184135 | 0 | 29177 | X | ||
| SONIA POSTEMA | |||||||
| VP HUMAN RESOURCES | 60 | 22462 | 0 | 2550 | X | ||
| KEVIN RUSSO | |||||||
| VP TECHNOLOGY | 60 | 137069 | 0 | 20872 | X | ||
| FRANK YENSEL | |||||||
| FINANCIAL ADVISOR | 50 | 159893 | 0 | 12449 | X | ||
| MARCO CAPALINO | |||||||
| MARKETING MANAGER | 50 | 120979 | 0 | 12120 | X | ||
| DIANA FAHLE | |||||||
| DIRECTOR OF HUMAN RESOURCES | 50 | 119420 | 0 | 21672 | X | ||
| JANET OILER | |||||||
| CONTROLLER | 50 | 119191 | 0 | 14381 | X | ||
| FRANK SBERNA | |||||||
| DIRECTOR OF BRANCH SALES AND MEMBER SERVICE | 117577 | 0 | 11932 | X | |||
| SHAWN KELLER | |||||||
| VP OF LENDING | 60 | 97702 | 0 | 8742 | X | ||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | 1786002 | TotalReportableCompFromOrg |
| Total Other Compensation | 269095 | TotalOtherCompensation |
| Number Individuals GT100 K | 9 | NumberIndividualsGT100K |
| Formers Listed | false | FormersListed |
| Total Comp GT150 K | true | TotalCompGT150K |
| Compensation From Other Sources | false | CompensationFromOtherSources |
Contractor Compensation ContractorCompensation (3 entries)
| Address Line1AddressOfContractor/AddressUS/AddressLine1 | CityAddressOfContractor/AddressUS/City | StateAddressOfContractor/AddressUS/State | ZIP CodeAddressOfContractor/AddressUS/ZIPCode | Description Of ServicesDescriptionOfServices | CompensationCompensation |
|---|---|---|---|---|---|
| R NEAL BELL | |||||
| 590 NEWARK-GRANVILLE ROAD | GRANVILLE | OH | 43023 | ADVERTISING SERVICES | 154742 |
| PLANTE MORAN PLLC | |||||
| 16060 COLLECTIONS CENTER DRIVE | CHICAGO | IL | 60693 | AUDITING SERVICES | 112125 |
| LIMBACH COMPANY LLC | |||||
| 822 CLEVELAND AVENUE | COLUMBUS | OH | 43201 | HEATING & COOLING SERVICES | 106090 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Number Of Contractors GT100 K | 3 | NumberOfContractorsGT100K |
Program Service Revenue ProgramServiceRevenue (4 entries)
| DescriptionDescription | Business CodeBusinessCode | Total Revenue ColumnTotalRevenueColumn | Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome | Unrelated Business RevenueUnrelatedBusinessRevenue |
|---|---|---|---|---|
| LOAN INTEREST | 522130 | 26536480 | 26536480 | |
| FEE INCOME | 522130 | 9831436 | 9831436 | |
| OTHER INCOME | 522130 | 1493950 | 1493950 | |
| COMMISSIONS AND TAXABLE | 522130 | 449235 | 449235 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | 38311101 | TotalProgramServiceRevenue |
Investment Income InvestmentIncome
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 2097358 | TotalRevenueColumn |
| Related Or Exempt Function Income | 2097358 | RelatedOrExemptFunctionIncome |
Gross Rents GrossRents
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | 90359 | Real |
Rental Income Or Loss RentalIncomeOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | 90359 | Real |
Net Rental Income Or Loss NetRentalIncomeOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 90359 | TotalRevenueColumn |
| Related Or Exempt Function Income | 90359 | RelatedOrExemptFunctionIncome |
Total Revenue TotalRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 40498818 | TotalRevenueColumn |
| Related Or Exempt Function Income | 40049583 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 449235 | UnrelatedBusinessRevenue |
| Exclusion | $0 | ExclusionAmount |
Benefits To Members BenefitsToMembers
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 5603698 | Total |
Comp Current Officers Directors CompCurrentOfficersDirectors
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1786002 | Total |
Other Salaries And Wages OtherSalariesAndWages
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 5996261 | Total |
Pension Plan Contributions PensionPlanContributions
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 739014 | Total |
Other Employee Benefits OtherEmployeeBenefits
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2284567 | Total |
Payroll Taxes PayrollTaxes
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 693601 | Total |
Fees For Services Legal FeesForServicesLegal
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 16353 | Total |
Fees For Services Accounting FeesForServicesAccounting
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 133738 | Total |
Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 5125 | Total |
Fees For Services Other FeesForServicesOther
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 260547 | Total |
Advertising Advertising
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1002266 | Total |
Office Expenses OfficeExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1174032 | Total |
Information Technology InformationTechnology
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 628615 | Total |
Occupancy Occupancy
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 991304 | Total |
Travel Travel
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 89030 | Total |
Conferences Meetings ConferencesMeetings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 29223 | Total |
Interest Interest
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1226528 | Total |
Payments To Affiliates PaymentsToAffiliates
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 64295 | Total |
Depreciation Depletion DepreciationDepletion
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1180917 | Total |
Insurance Insurance
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 67107 | Total |
Other Expenses OtherExpenses (4 entries)
| DescriptionDescription | TotalTotal |
|---|---|
| ALLOWANCE FOR LOAN LOSS | 2445232 |
| NCUA CORPORATE STABILIZATION FUND | 512427 |
| ATMDEBIT CARD EXPENSE | 1496453 |
| LOAN SERVICING EXPENSE | 921512 |
All Other Expenses AllOtherExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1802319 | Total |
Total Functional Expenses TotalFunctionalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 31150166 | Total |
| Program Services | 0 | ProgramServices |
| Management And General | 0 | ManagementAndGeneral |
| Fundraising | 0 | Fundraising |
Cash Non Interest Bearing CashNonInterestBearing
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 2188643 | BOY |
| EOY | 2303795 | EOY |
Savings And Temp Cash Investments SavingsAndTempCashInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 28595576 | BOY |
| EOY | 17714743 | EOY |
Accounts Receivable AccountsReceivable
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 2900501 | BOY |
| EOY | 1279704 | EOY |
Receivables From Officers Etc ReceivablesFromOfficersEtc
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 2613091 | BOY |
| EOY | 2496679 | EOY |
Other Notes Loans Receivable Net OtherNotesLoansReceivableNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 444686173 | BOY |
| EOY | 540458650 | EOY |
Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 723540 | BOY |
| EOY | 835839 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Buildings Equipment Basis | 28233857 | LandBuildingsEquipmentBasis |
| Land Bldg Equipment Accum Deprec | 9329247 | LandBldgEquipmentAccumDeprec |
Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 18768143 | BOY |
| EOY | 18904610 | EOY |
Investments Pub Traded Securities InvestmentsPubTradedSecurities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 126993360 | BOY |
| EOY | 150722166 | EOY |
Investments Other Securities InvestmentsOtherSecurities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 3247445 | BOY |
| EOY | 3273985 | EOY |
Investments Program Related InvestmentsProgramRelated
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 23738232 | BOY |
| EOY | 3408943 | EOY |
Other Assets Total OtherAssetsTotal
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 8834439 | BOY |
| EOY | 9326681 | EOY |
Total Assets TotalAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 663289143 | BOY |
| EOY | 750725795 | EOY |
Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 8233732 | BOY |
| EOY | 10721149 | EOY |
Deferred Revenue DeferredRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 165217 | BOY |
| EOY | 331004 | EOY |
Mort Notes Pybl Secured Invest Prop MortNotesPyblSecuredInvestProp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 59514220 | BOY |
| EOY | 72512291 | EOY |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 519371777 | BOY |
| EOY | 581305715 | EOY |
Total Liabilities TotalLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 587284946 | BOY |
| EOY | 664870159 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Do Not Follow SFAS117 | X | DoNotFollowSFAS117 |
Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 76004197 | BOY |
| EOY | 85855636 | EOY |
Total Net Assets Fund Balances TotalNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 76004197 | BOY |
| EOY | 85855636 | EOY |
Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 663289143 | BOY |
| EOY | 750725795 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | X | InfoInScheduleOPartXI |
| Reconcilation Revenue Expenses | 9348652 | ReconcilationRevenueExpenses |
| Reconciliation Unrealized Invest | 502787 | ReconciliationUnrealizedInvest |
| Info In Schedule O Part XII | X | InfoInScheduleOPartXII |
| Method Of Accounting Accrual | X | MethodOfAccountingAccrual |
| Accountant Compile Or Review | false | AccountantCompileOrReview |
| FS Audited | true | FSAudited |
| Audit Committee | true | AuditCommittee |
| Federal Grant Audit Required | false | FederalGrantAuditRequired |
| Federal Grant Audit Performed | false | FederalGrantAuditPerformed |
Schedule D IRS990ScheduleD
| Field | Value | IRS element (for citing) |
|---|---|---|
| Agent Trustee Etc | false | AgentTrusteeEtc |
| Included On FS | false | IncludedOnFS |
Land Land
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | 4615609 | InvestmentCostOrOtherBasis |
| Book Value | 4615609 | BookValue |
Buildings Buildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | 15939832 | InvestmentCostOrOtherBasis |
| Depreciation | 4019503 | Depreciation |
| Book Value | 11920329 | BookValue |
Leasehold Improvements LeaseholdImprovements
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | 367463 | InvestmentCostOrOtherBasis |
| Depreciation | 310323 | Depreciation |
| Book Value | 57138 | BookValue |
Equipment Equipment
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | 3160962 | InvestmentCostOrOtherBasis |
| Depreciation | 2034176 | Depreciation |
| Book Value | 1126786 | BookValue |
Other Land Buildings OtherLandBuildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Investment Cost Or Other Basis | 4149993 | InvestmentCostOrOtherBasis |
| Depreciation | 2965245 | Depreciation |
| Book Value | 1184748 | BookValue |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Land Buildings | 18904610 | TotalOfBookValueLandBuildings |
Other Liabilities OtherLiabilities (2 entries)
| DescriptionDescription | AmountAmount |
|---|---|
| MEMBER & NONMEMBER DEPOSITS | $581,305,711 |
| DIVIDENDS PAYABLE | $4 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Amounts | 581305715 | TotalOfAmounts |
| Tot Revenue Etc Audited Fincl Stmt | 40498818 | TotRevenueEtcAuditedFinclStmt |
| Revenue Subtotal | 40498818 | RevenueSubtotal |
| Total Revenue Per Form990 | 40498818 | TotalRevenuePerForm990 |
| Tot Expenses Etc Audited Fincl Stmt | 31150166 | TotExpensesEtcAuditedFinclStmt |
| Expenses Subtotal | 31150166 | ExpensesSubtotal |
| Total Expenses Per Form990 | 31150166 | TotalExpensesPerForm990 |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Travel For Companions | X | TravelForCompanions |
| Idemnification Gross Up Payments | X | IdemnificationGrossUpPayments |
| Written Policy Re T And E Expenses | true | WrittenPolicyReTAndEExpenses |
| Substantiation Required | true | SubstantiationRequired |
| Compensation Committee | X | CompensationCommittee |
| Independent Consultant | X | IndependentConsultant |
| Compensation Survey | X | CompensationSurvey |
| Board Or Committee Approval | X | BoardOrCommitteeApproval |
| Severance Payment | true | SeverancePayment |
| Supplemental Nonqual Retire Plan | true | SupplementalNonqualRetirePlan |
| Equity Based Comp Arrangement | false | EquityBasedCompArrangement |
| Comp Based On Revenue Of Filing Org | false | CompBasedOnRevenueOfFilingOrg |
| Comp Based On Revenue Related Orgs | false | CompBasedOnRevenueRelatedOrgs |
| Comp Based Net Earnings Filing Org | false | CompBasedNetEarningsFilingOrg |
| Comp Based Net Earnings Relate Orgs | false | CompBasedNetEarningsRelateOrgs |
| Any Non Fixed Payments | false | AnyNonFixedPayments |
| Initial Contract Exception | false | InitialContractException |
| Rebuttable Presumption Procedure | false | RebuttablePresumptionProcedure |
Form990 Schedule J Part II Form990ScheduleJPartII (5 entries)
| Base Compensation Filing OrgBaseCompensationFilingOrg | Bonus Filing OrgBonusFilingOrg | Other Compensation Filing OrgOtherCompensationFilingOrg | Deferred Comp Filing OrgDeferredCompFilingOrg | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg | Total Compensation Filing OrgTotalCompensationFilingOrg | Comp Report Prior990 Filing OrgCompReportPrior990FilingOrg |
|---|---|---|---|---|---|---|
| GERALD GUY | ||||||
| 285215 | 44000 | 47977 | 38145 | 12813 | 428150 | 17988 |
| MARK DECELLO | ||||||
| 187923 | 51849 | 14973 | 59535 | 12813 | 327093 | 34294 |
| PHILIP HUNT | ||||||
| 125800 | 32367 | 25968 | 16364 | 12813 | 213312 | 10990 |
| KEVIN RUSSO | ||||||
| 129231 | 7838 | 8059 | 12813 | 157941 | ||
| FRANK YENSEL | ||||||
| 63097 | 96267 | 529 | 12449 | 172342 | ||
Schedule L IRS990ScheduleL
Loan Table LoanTable
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Person | GERALD GUY | NamePerson |
| Relationship With Organization | PRESIDENTCEO | RelationshipWithOrganization |
| Purpose Of Loan | CONSUMERLIFE INSURANCE | PurposeOfLoan |
| Loan From Organization | X | LoanFromOrganization |
| Original Principal | $1,406,902 | OriginalPrincipalAmount |
| Balance Due | 1406902 | BalanceDue |
| Default | false | Default |
| Approved By Board | true | ApprovedByBoard |
| Written Agreement | true | WrittenAgreement |
Schedule O IRS990ScheduleO
General Explanation GeneralExplanation
| Field | Value | IRS element (for citing) |
|---|---|---|
| Explanation | FORM 990 - ORGANIZATION'S MISSION OR MOST SIGNIFICANT ACTIVITIES ARE TO ENCOURAGE ALL MEMBERS TO MAKE THIS CREDIT UNION THEIR PRIMARY FINANCIAL INSTITUTION. FORM 990 - PART VI LINE 6 - MEMBERS FORM 990 - PART VI LINE 7A - BOARD OF DIRECTORS ELECTED BY CREDIT UNION MEMBERS FORM 990 - PART VI LINE 11 - ORGANIZATION'S PROCESS USED TO REVIEW FORM 990 PROVIDED TO BOARD CHAIR & TREASURER PRIOR TO FILING - OTHER DIRECTORS UPON REQUEST. FORM 990 - PART VI LINE 12C - ENFORCEMENT OF CONFLICT OF INTEREST POLICY ANNUAL COMPLETION OF QUESTIONNAIRE REQUIRED. FORM 990 - PART VI LINE 15A - COMPENSATION PROCESS FOR TOP OFFICIAL COMPENSATION COMMITTEE COMPARES TO INDUSTRY STANDARDS & APPROVES ANNUAL SALARY. FORM 990 - PART VI LINE 15B - COMPENSATION PROCESS FOR OFFICERS REVIEWED BY HUMAN RESOURCES & CEO TO INDUSTRY STANDARDS AND SET USING COMPARABLES WITH PARAMETERS ESTABLISHED BY THE BOARD OF DIRECTORS. FORM 990 - PART VI SECTION C - DISCLOSURE LINE 19 DOCUMENTS AVAILABLE TO PUBLIC THE FINANICAL REPORTS ARE DISPLAYED PUBLICLY IN EVERY BRANCH AND THE GOVERNING DOCUMENTS CONFLICT OF INTEREST POLICY & ANNUAL REPORT ARE AVAILABLE UPON REQUEST. | Explanation |
Schedule R IRS990ScheduleR
Form990 Schedule R Part III Form990ScheduleRPartIII (2 entries)
| Address Line1AddressUS/AddressLine1 | CityAddressUS/City | StateAddressUS/State | ZIP CodeAddressUS/ZIPCode | EINEIN | Primary ActivityPrimaryActivity | Business Name Line1DirectControllingEntityName/BusinessNameLine1 | Predominant Income TypePredominantIncomeType | Share Of Total IncomeShareOfTotalIncome | Share Of EOY AssetsShareOfEOYAssets | Disproportionate AllocationsDisproportionateAllocations | Code VCodeVAmount | General Or Managing PartnerGeneralOrManagingPartner | Percentage OwnershipPercentageOwnership |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| COOPERATIVE BUSINESS SERVICES | |||||||||||||
| 8150 CORPORATE PARK DRIVE | CINCINNATI | OH | 45242 | 010790044 | COMMERCIAL LENDING | NA | RELATED | 2558 | 1071123 | false | $220 | false | .11111 |
| MEMBER TITLE SERVICES LLC | |||||||||||||
| 150 E WILSON BRIDGE RD SUITE 130 | WORTHINGTON | OH | 43085 | 611675355 | MORTGAGE TITLE SERVICES | NA | RELATED | 1896 | 25215 | false | false | .49900 | |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Receipt Of Int Ann Rents Royalties | false | ReceiptOfIntAnnRentsRoyalties |
| Gift Grant Or Cap Contr To Other Org | false | GiftGrantOrCapContrToOtherOrg |
| Gift Grant Or Cap Contr Fr Other Org | false | GiftGrantOrCapContrFrOtherOrg |
| Loans Or Guarantees To Other Org | false | LoansOrGuaranteesToOtherOrg |
| Loans Or Guarantees From Other Org | false | LoansOrGuaranteesFromOtherOrg |
| Dividends Related Organization | false | DividendsRelatedOrganization |
| Sale Of Assets To Other Org | false | SaleOfAssetsToOtherOrg |
| Purchase Of Assets From Other Org | false | PurchaseOfAssetsFromOtherOrg |
| Exchange Of Assets | false | ExchangeOfAssets |
| Rental Of Facilities To Other Orgs | false | RentalOfFacilitiesToOtherOrgs |
| Rental Of Facilities Fr Other Orgs | false | RentalOfFacilitiesFrOtherOrgs |
| Perform Of Services For Other Orgs | false | PerformOfServicesForOtherOrgs |
| Perform Of Services By Other Orgs | false | PerformOfServicesByOtherOrgs |
| Sharing Of Facilities | false | SharingOfFacilities |
| Sharing Of Paid Employees | false | SharingOfPaidEmployees |
| Reimbursement Paid To Other Org | false | ReimbursementPaidToOtherOrg |
| Reimbursement Paid By Other Org | false | ReimbursementPaidByOtherOrg |
| Other Transfer To Other Org | false | OtherTransferToOtherOrg |
| Other Transfer From Other Org | false | OtherTransferFromOtherOrg |