37 KEMBA FINANCIAL CREDIT UNION: Form 990, tax year 2010
View the entire original 990 at ProPublica ↗
- Organization
- 37 KEMBA FINANCIAL CREDIT UNION (EIN 31-6034826)
- Tax period
- 2010-12-01 to 2010-12-31
- Filed
- 2011-05-10
- IRS object ID
- 201111309349300446
- Schema version
- 2010v3.2
- 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 | 2011-05-10T16:05:22-05:00 | Timestamp |
| Tax Period End Date | 2010-12-31 | TaxPeriodEndDate |
| Return Type | 990 | ReturnType |
| Tax Period Begin Date | 2010-12-01 | 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 | JANET OILER | Name |
| Title | CONTROLLER | Title |
| Phone | 6142352395 | Phone |
| Date Signed | 2011-04-29 | DateSigned |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax Year | 2010 | 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 | JANET OILER | 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 | 36392101 | 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 & COMPETITIVE FINANCIAL SERVICES THAT WILL CONTRIBUTE TO THE FINANCIAL 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 | 177 | TotalNbrEmployees |
| Total Nbr Volunteers | 9 | TotalNbrVolunteers |
| Total Gross UBI | 457373 | TotalGrossUBI |
| Net Unrelated Business Txbl Income | -904559 | NetUnrelatedBusinessTxblIncome |
| Contributions Grants Current Year | 0 | ContributionsGrantsCurrentYear |
| Program Service Revenue Prior Year | 31256677 | ProgramServiceRevenuePriorYear |
| Program Service Revenue CY | 33719197 | ProgramServiceRevenueCY |
| Investment Income Prior Year | 3427519 | InvestmentIncomePriorYear |
| Investment Income Current Year | 2593546 | InvestmentIncomeCurrentYear |
| Other Revenue Prior Year | 75180 | OtherRevenuePriorYear |
| Other Revenue Current Year | 79358 | OtherRevenueCurrentYear |
| Total Revenue Prior Year | 34759376 | TotalRevenuePriorYear |
| Total Revenue Current Year | 36392101 | TotalRevenueCurrentYear |
| Grants And Similar Amnts CY | 0 | GrantsAndSimilarAmntsCY |
| Benefits Paid To Members Prior Year | 8295880 | BenefitsPaidToMembersPriorYear |
| Benefits Paid To Members CY | 7173896 | BenefitsPaidToMembersCY |
| Salaries Etc Prior Year | 7947823 | SalariesEtcPriorYear |
| Salaries Etc Current Year | 8778596 | SalariesEtcCurrentYear |
| Total Prof Fundrsng Exp CY | 0 | TotalProfFundrsngExpCY |
| Total Fundrsng Exp Current Year | 0 | TotalFundrsngExpCurrentYear |
| Other Expense Prior Year | 14476269 | OtherExpensePriorYear |
| Other Expenses Current Year | 15638735 | OtherExpensesCurrentYear |
| Total Expenses Prior Year | 30719972 | TotalExpensesPriorYear |
| Total Expenses Current Year | 31591227 | TotalExpensesCurrentYear |
| Revenues Less Expenses Prior Year | 4039404 | RevenuesLessExpensesPriorYear |
| Revenues Less Expenses CY | 4800874 | RevenuesLessExpensesCY |
| Total Assets BOY | 555209615 | TotalAssetsBOY |
| Total Assets EOY | 593578576 | TotalAssetsEOY |
| Total Liabilities BOY | 490985575 | TotalLiabilitiesBOY |
| Total Liabilities EOY | 524351430 | TotalLiabilitiesEOY |
| Net Assets Or Fund Balances BOY | 64224040 | NetAssetsOrFundBalancesBOY |
| Net Assets Or Fund Balances EOY | 69227146 | NetAssetsOrFundBalancesEOY |
| Mission Description | TO PROVIDE LENDING SAVINGS AND OTHER FINANCIAL SERVICES TO ITS QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THAN AVAILABLE IN THE MARKET PLACE AND WITH A 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 |
| 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 |
| Excess Benefit Transaction | false | ExcessBenefitTransaction |
| Loan To Officer Or DQP | true | LoanToOfficerOrDQP |
| Grant To Related Person | false | GrantToRelatedPerson |
| Bsnss Rltnshp With Organization | true | BsnssRltnshpWithOrganization |
| Bsnss Rltnshp Thru Family Member | true | BsnssRltnshpThruFamilyMember |
| Officer Entity With Bsnss Rltnshp | true | 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 |
| Transaction Related Entity | false | TransactionRelatedEntity |
| Activities Conducted Partnership | false | ActivitiesConductedPartnership |
| Schedule O Required | true | ScheduleORequired |
| Number Forms Transmitted With1096 | 21724 | NumberFormsTransmittedWith1096 |
| Number W2 G Included | 0 | NumberW2GIncluded |
| Compliance With Backup Witholding | true | ComplianceWithBackupWitholding |
| Number Of Employees | 177 | 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 |
| 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 |
| 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 |
| 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 (16 entries)
| TitleTitle | Average Hours Per WeekAverageHoursPerWeek | Individual Trustee Or DirectorIndividualTrusteeOrDirector | Reportable Comp From OrganizationReportableCompFromOrganization | Reportable Comp From Related OrgsReportableCompFromRelatedOrgs | Other CompensationOtherCompensation | OfficerOfficer | Key EmployeeKeyEmployee |
|---|---|---|---|---|---|---|---|
| MARK SOLOMAN CHAIR | |||||||
| BOARD CHAIR | 5 | X | 0 | 0 | 0 | ||
| KATHY SHROYER VICE CHAIR | |||||||
| BOARD VICE CHAIR | 5 | X | 0 | 0 | 0 | ||
| STEVEN PERDUE TREASURER | |||||||
| BROAD TREASURER | 5 | X | 0 | 0 | 0 | ||
| DONNA FOLBERTH SECRETARY | |||||||
| BOARD SECRETARY | 5 | X | 0 | 0 | 0 | ||
| MARJORIE BRANT DIRECTOR | |||||||
| DIRECTOR | 5 | X | 0 | 0 | 0 | ||
| JEFF GALE DIRECTOR | |||||||
| DIRECTOR | 5 | X | 0 | 0 | 0 | ||
| JOHN HAUGEN DIRECTOR | |||||||
| DIRECTOR | 5 | X | 0 | 0 | 0 | ||
| BILL MUNK DIRECTOR | |||||||
| DIRECTOR | 5 | X | 0 | 0 | 0 | ||
| MIKE SLAPER DIRECTOR | |||||||
| DIRECTOR | 5 | X | 0 | 0 | 0 | ||
| GERALD GUY CEO | |||||||
| CEO | 60 | 377525 | 0 | 180511 | X | ||
| MARK DECELLO VP BUS DEVELOP | |||||||
| VICE-PRESIDENT OF BUSINESS DEVELOPMENT | 55 | 148296 | 0 | 16728 | X | ||
| MICHAEL DORSETT VP LENDING | |||||||
| VICE-PRESIDENT LENDING | 55 | 173094 | 0 | 15885 | X | ||
| PHILIP HUNT CFO | |||||||
| CHIEF FINANCIAL OFFICER | 55 | 156484 | 0 | 20015 | X | ||
| DEBORAH OLBRYS VP SALES | |||||||
| VP OF SALES & MEMBER SERVICE | 55 | 117466 | 0 | 13165 | X | ||
| JEFFREY CHRISTENSEN IT DIRECTOR | |||||||
| DIRECTOR INFORMATION TECHNOLOGY | 45 | 102128 | 0 | 10722 | X | ||
| DIANA FAHLE AVP HR | |||||||
| AVP HUMAN RESOURCES | 45 | 102751 | 0 | 13655 | X | ||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | 1177744 | TotalReportableCompFromOrg |
| Total Other Compensation | 270681 | TotalOtherCompensation |
| Number Individuals GT100 K | 7 | 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 |
|---|---|---|---|---|---|
| SHUMAKER LOOP KENDRICK LLP | |||||
| 41 S HIGH STREET | COLUMBUS | OH | 43215 | LEGAL COLLECTIONS | 245483 |
| GATEHOUSE MEDIA | |||||
| 673 MOHAWK STREET | COLUMBUS | OH | 43206 | ADVERTISING SERVICES | 150515 |
| PLANTE MORAN PLLC | |||||
| 16060 COLLECTION CENTER | CHICAGO | IL | 60693 | AUDIT CONSULTING | 139000 |
| 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 | 23761771 | 23761771 | |
| FEE INCOME | 522130 | 8435285 | 8435285 | |
| OTHER INCOME | 522130 | 1064768 | 1064768 | |
| COMMISSIONS AND TAXABLE | 522130 | 457373 | 457373 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | 33719197 | TotalProgramServiceRevenue |
Investment Income InvestmentIncome
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 2593546 | TotalRevenueColumn |
| Related Or Exempt Function Income | 2593546 | RelatedOrExemptFunctionIncome |
Gross Rents GrossRents
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | 79358 | Real |
Rental Income Or Loss RentalIncomeOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | 79358 | Real |
Net Rental Income Or Loss NetRentalIncomeOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 79358 | TotalRevenueColumn |
| Related Or Exempt Function Income | 79358 | RelatedOrExemptFunctionIncome |
Total Revenue TotalRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 36392101 | TotalRevenueColumn |
| Related Or Exempt Function Income | 35934728 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 457373 | UnrelatedBusinessRevenue |
| Exclusion | $0 | ExclusionAmount |
Benefits To Members BenefitsToMembers
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 7173896 | Total |
Comp Current Officers Directors CompCurrentOfficersDirectors
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1177744 | Total |
Other Salaries And Wages OtherSalariesAndWages
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 5281108 | Total |
Pension Plan Contributions PensionPlanContributions
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 488453 | Total |
Other Employee Benefits OtherEmployeeBenefits
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1280870 | Total |
Payroll Taxes PayrollTaxes
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 550421 | Total |
Fees For Services Legal FeesForServicesLegal
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 267602 | Total |
Fees For Services Accounting FeesForServicesAccounting
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 140733 | Total |
Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 7680 | Total |
Fees For Services Other FeesForServicesOther
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 236661 | Total |
Advertising Advertising
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 825701 | Total |
Office Expenses OfficeExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1232773 | Total |
Information Technology InformationTechnology
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 489262 | Total |
Occupancy Occupancy
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1041821 | Total |
Travel Travel
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 115106 | Total |
Conferences Meetings ConferencesMeetings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 25508 | Total |
Interest Interest
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1088414 | Total |
Payments To Affiliates PaymentsToAffiliates
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 81706 | Total |
Depreciation Depletion DepreciationDepletion
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1216900 | Total |
Insurance Insurance
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 70656 | Total |
Other Expenses OtherExpenses (5 entries)
| DescriptionDescription | TotalTotal |
|---|---|
| ALLOWANCE FOR LOAN LOSS | 3775326 |
| NCUA CORPORATE STABILIZATION EXPENSE | 1177746 |
| ATM DEBIT CARD EXPENSE | 1348177 |
| NON-OPERATING EXPENSE | 67965 |
| LOAN SERVICING EXPENSE | 1050360 |
All Other Expenses AllOtherExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1378638 | Total |
Total Functional Expenses TotalFunctionalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 31591227 | 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 | 2392247 | BOY |
| EOY | 2009792 | EOY |
Savings And Temp Cash Investments SavingsAndTempCashInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 28060542 | BOY |
| EOY | 26499431 | EOY |
Accounts Receivable AccountsReceivable
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1602382 | BOY |
| EOY | 2600200 | EOY |
Receivables From Officers Etc ReceivablesFromOfficersEtc
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1582326 | BOY |
| EOY | 1246233 | EOY |
Other Notes Loans Receivable Net OtherNotesLoansReceivableNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 362173756 | BOY |
| EOY | 400509016 | EOY |
Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 586289 | BOY |
| EOY | 586443 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Buildings Equipment Basis | 26131956 | LandBuildingsEquipmentBasis |
| Land Bldg Equipment Accum Deprec | 6717368 | LandBldgEquipmentAccumDeprec |
Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 18872540 | BOY |
| EOY | 19414588 | EOY |
Investments Pub Traded Securities InvestmentsPubTradedSecurities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 103525664 | BOY |
| EOY | 125743181 | EOY |
Investments Other Securities InvestmentsOtherSecurities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 8807901 | BOY |
| EOY | 4235645 | EOY |
Investments Program Related InvestmentsProgramRelated
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 20080016 | BOY |
| EOY | 2594345 | EOY |
Other Assets Total OtherAssetsTotal
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 7525952 | BOY |
| EOY | 8139702 | EOY |
Total Assets TotalAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 555209615 | BOY |
| EOY | 593578576 | EOY |
Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 6319621 | BOY |
| EOY | 7712683 | EOY |
Deferred Revenue DeferredRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 6438 | BOY |
| EOY | 6566 | EOY |
Mort Notes Pybl Secured Invest Prop MortNotesPyblSecuredInvestProp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 36776924 | BOY |
| EOY | 45409494 | EOY |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 447882592 | BOY |
| EOY | 471222687 | EOY |
Total Liabilities TotalLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 490985575 | BOY |
| EOY | 524351430 | EOY |
Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 64224040 | BOY |
| EOY | 69227146 | EOY |
Total Net Assets Fund Balances TotalNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 64224040 | BOY |
| EOY | 69227146 | EOY |
Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 555209615 | BOY |
| EOY | 593578576 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | X | InfoInScheduleOPartXI |
| Reconcilation Revenue Expenses | 4800874 | ReconcilationRevenueExpenses |
| Reconcilation Other Changes | 202232 | ReconcilationOtherChanges |
| Method Of Accounting Accrual | X | MethodOfAccountingAccrual |
| Accountant Compile Or Review | false | AccountantCompileOrReview |
| FS Audited | true | FSAudited |
| Audit Committee | true | AuditCommittee |
| Financial Statement Separate | X | FinancialStatementSeparate |
| 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) |
|---|---|---|
| Other Cost Or Other Basis | 4615609 | OtherCostOrOtherBasis |
| Book Value | 4615609 | BookValue |
Buildings Buildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 15650561 | OtherCostOrOtherBasis |
| Depreciation | 3052162 | Depreciation |
| Book Value | 12598399 | BookValue |
Leasehold Improvements LeaseholdImprovements
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 367463 | OtherCostOrOtherBasis |
| Depreciation | 258879 | Depreciation |
| Book Value | 108584 | BookValue |
Equipment Equipment
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 2942336 | OtherCostOrOtherBasis |
| Depreciation | 1544702 | Depreciation |
| Book Value | 1397634 | BookValue |
Other Land Buildings OtherLandBuildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 2555987 | OtherCostOrOtherBasis |
| Depreciation | 1861625 | Depreciation |
| Book Value | 694362 | BookValue |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Land Buildings | 19414588 | TotalOfBookValueLandBuildings |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | MEMBER DEPOSITS | Description |
| Amount | $471,222,687 | Amount |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Amounts | 471222687 | TotalOfAmounts |
| Total Revenue | 36392101 | TotalRevenue |
| Total Expenses | 31591227 | TotalExpenses |
| Excess Or Deficit For Year | 4800874 | ExcessOrDeficitForYear |
| Net Unrealized GL On Investments | 1027327 | NetUnrealizedGLOnInvestments |
| Investment Expenses | 7680 | InvestmentExpenses |
| Total Adjustments | 1035007 | TotalAdjustments |
| Excess Or Deficit Per FS | 5835881 | ExcessOrDeficitPerFS |
| Tot Revenue Etc Audited Fincl Stmt | 36392101 | TotRevenueEtcAuditedFinclStmt |
| Revenue Subtotal | 36392101 | RevenueSubtotal |
| Total Revenue Per Form990 | 36392101 | TotalRevenuePerForm990 |
| Tot Expenses Etc Audited Fincl Stmt | 31591227 | TotExpensesEtcAuditedFinclStmt |
| Expenses Subtotal | 31591227 | ExpensesSubtotal |
| Total Expenses Per Form990 | 31591227 | 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 | false | 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 (4 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 | ||||||
| 266595 | 52676 | 58254 | 170771 | 9740 | 558036 | 651028 |
| MARK DECELLO | ||||||
| 127270 | 17576 | 3450 | 8390 | 8338 | 165024 | 67917 |
| MIKE DORSETT | ||||||
| 135000 | 26719 | 11375 | 12470 | 3415 | 188979 | 166457 |
| PHILIP HUNT | ||||||
| 122661 | 19842 | 13982 | 11676 | 8338 | 176499 | 163923 |
Schedule L IRS990ScheduleL
Loan Table LoanTable (10 entries)
| Purpose Of LoanPurposeOfLoan | Loan From OrganizationLoanFromOrganization | Original PrincipalOriginalPrincipalAmount | Balance DueBalanceDue | DefaultDefault | Approved By BoardApprovedByBoard | Written AgreementWrittenAgreement |
|---|---|---|---|---|---|---|
| MARJORIE BRANT | ||||||
| CONSUMER LOAN | X | $85,297 | 85297 | false | false | true |
| JEFF CHRISTENSEN | ||||||
| CONSUMER LOAN | X | $240,804 | 240804 | false | false | true |
| DIANA FAHLE | ||||||
| CONSUMER LOAN | X | $84,556 | 84556 | false | false | true |
| DONNA FOLBERTH | ||||||
| CONSUMER LOAN | X | $15,345 | 15345 | false | false | true |
| JEFF GALE | ||||||
| CONSUMER LOAN | X | $120,281 | 120281 | false | false | true |
| GERALD GUY | ||||||
| CONSUMER LOAN LIFE INSURANCE PREMIUM LOAN (DEFERRED COMP PLAN) | X | $1,030,671 | 1030671 | false | true | true |
| PHILIP HUNT | ||||||
| CONSUMER LOAN | X | $190,424 | 190424 | false | false | true |
| BILL MUNK | ||||||
| CONSUMER LOAN | X | $239,297 | 239297 | false | false | true |
| SJAMJ5 LLC | ||||||
| CONSUMER AND BUSINESS LOANS | X | $546,436 | 546436 | false | false | true |
| KATHY SHROYER | ||||||
| CONSUMER LOAN | X | $10,697 | 10697 | false | false | true |
Form990 Schedule L Part IV Form990ScheduleLPartIV
Name Of Interested Person NameOfInterestedPerson
Name Business NameBusiness
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | SJAMJ5 LLC | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Relationship | BOARD TREASURER | Relationship |
| Amount Of Transaction | 203724 | AmountOfTransaction |
| Description Of Transaction | BUSINESS LOAN | DescriptionOfTransaction |
| Sharing Of Revenues | false | SharingOfRevenues |
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 III 4A - ALL OTHER ACHIEVEMENTS PROVIDE FINANCIAL SERVICES TO MEMBERS 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 10B - POLICIES AND PROCEDURES GOVERNING CHAPTERS BRANCH LOCATIONS ALL ADHERE TO THE SAME POLICIES AND PROCEDURES 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 AND 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 THE PUBLIC THE FINANCIAL REPORTS ARE DISPLAYED PUBLICLY IN EVERY BRANCH AND THE GOVERNING DOCUMENTS CONFLICT OF INTEREST POLICY & ANNUAL RPT AVAILABLE UPON REQUEST. FORM 990-PART XI LINE 5 - RECONCILIATION OF NET ASSETS OTHER CHANGES IN NET ASSETS OR FUND BALANCES OF 202232 IS THE CHANGE IN UNREALIZED GAINS OR LOSSES ON INVESTMENTS FROM YEAR TO YEAR. | Explanation |
Schedule R IRS990ScheduleR
Form990 Schedule R Part III Form990ScheduleRPartIII
Name Of Related Org NameOfRelatedOrg
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | CBS LLC | BusinessNameLine1 |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 8150 CORPORATE PARK DR | AddressLine1 |
| City | CINCINNATI | City |
| State | OH | State |
| ZIP Code | 45242 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 010790044 | EIN |
| Primary Activity | BUSINESS LENDING | PrimaryActivity |
Direct Controlling Entity Name DirectControllingEntityName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | NA | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Predominant Income Type | RELATED | PredominantIncomeType |
| Share Of Total Income | 12198 | ShareOfTotalIncome |
| Disproportionate Allocations | false | DisproportionateAllocations |
| Code V | $281 | CodeVAmount |
| General Or Managing Partner | false | GeneralOrManagingPartner |
| Percentage Ownership | .11000 | PercentageOwnership |
| 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 |
| Sale Of Assets To Other Org | false | SaleOfAssetsToOtherOrg |
| 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 |