569 DIRECTIONS CREDIT UNION INC: Form 990, tax year 2015

View the entire original 990 at ProPublica ↗

Organization
569 DIRECTIONS CREDIT UNION INC (EIN 34-4475249)
Tax period
2015-01-01 to 2015-12-31
Filed
2016-11-08
IRS object ID
201603139349302560
Schema version
2015v2.1
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

FieldValueIRS element (for citing)
Return2016-11-08T16:16:21-06:00ReturnTs
Tax Period End2015-12-31TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

FieldValueIRS element (for citing)
Preparer Firm EIN202122306PreparerFirmEIN

Preparer Firm Name PreparerFirmName

FieldValueIRS element (for citing)
Business Name Line1GBQ PARTNERS LLCBusinessNameLine1Txt

Preparer US Address PreparerUSAddress

FieldValueIRS element (for citing)
Address Line1230 WEST STREET SUITE 700AddressLine1Txt
CityCOLUMBUSCityNm
State AbbreviationOHStateAbbreviationCd
ZIP432152663ZIPCd
FieldValueIRS element (for citing)
Return Type990ReturnTypeCd
Tax Period Begin2015-01-01TaxPeriodBeginDt

Filer Filer

FieldValueIRS element (for citing)
EIN344475249EIN

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1DIRECTIONS CREDIT UNION INCBusinessNameLine1Txt
FieldValueIRS element (for citing)
Business Name ControlDIREBusinessNameControlTxt
Phone4198419838PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line15121 WHITEFORD ROADAddressLine1Txt
CitySYLVANIACityNm
State AbbreviationOHStateAbbreviationCd
ZIP435602987ZIPCd

Business Officer BusinessOfficerGrp

FieldValueIRS element (for citing)
PersonFRITZ COMESPersonNm
Person TitleCFOPersonTitleTxt
Phone4198419838PhoneNum
Signature2016-11-01SignatureDt
Discuss With Paid PreparerYes (1)DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

FieldValueIRS element (for citing)
Preparer PersonMARK LAPLACEPreparerPersonNm
PTINP00053072PTIN
Phone6142211120PhoneNum
FieldValueIRS element (for citing)
Tax2015TaxYr
Build TS2017-02-10 21:41:12ZBuildTS

Form 990 IRS990

FieldValueIRS element (for citing)
Principal OfficerFRITZ COMESPrincipalOfficerNm

US Address USAddress

FieldValueIRS element (for citing)
Address Line15121 WHITEFORD ROADAddressLine1Txt
CitySYLVANIACityNm
State AbbreviationOHStateAbbreviationCd
ZIP43560ZIPCd
FieldValueIRS element (for citing)
Gross Receipts$42,280,397GrossReceiptsAmt
Group Return For Affiliates0GroupReturnForAffiliatesInd
Organization501cYes (X)Organization501cInd
Website AddressWWW.DIRECTIONSCU.ORGWebsiteAddressTxt
Type Of Organization CorpYes (X)TypeOfOrganizationCorpInd
Formation1953FormationYr
Legal Domicile StateOHLegalDomicileStateCd
Activity Or MissionTO BE A TRUSTED PARTNER IN HELPING MEMBERS ACHIEVE THEIR FINANCIAL GOALS.ActivityOrMissionDesc
Voting Members Governing Body11VotingMembersGoverningBodyCnt
Voting Members Independent11VotingMembersIndependentCnt
Total Employee313TotalEmployeeCnt
Total Volunteers11TotalVolunteersCnt
Total Gross UBI$144,310TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm-$1,190,922NetUnrelatedBusTxblIncmAmt
PY Contributions Grants$0PYContributionsGrantsAmt
CY Contributions Grants$0CYContributionsGrantsAmt
PY Program Service Revenue$27,556,687PYProgramServiceRevenueAmt
CY Program Service Revenue$28,850,905CYProgramServiceRevenueAmt
PY Investment Income$1,100,752PYInvestmentIncomeAmt
CY Investment Income$1,040,903CYInvestmentIncomeAmt
PY Other Revenue$828,500PYOtherRevenueAmt
CY Other Revenue$1,413,084CYOtherRevenueAmt
PY Total Revenue$29,485,939PYTotalRevenueAmt
CY Total Revenue$31,304,892CYTotalRevenueAmt
PY Grants And Similar Paid$0PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid$0CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members$0PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members$0CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid$11,550,322PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid$12,330,465CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns$0PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns$0CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense$0CYTotalFundraisingExpenseAmt
PY Other Expenses$14,814,887PYOtherExpensesAmt
CY Other Expenses$18,119,566CYOtherExpensesAmt
PY Total Expenses$26,365,209PYTotalExpensesAmt
CY Total Expenses$30,450,031CYTotalExpensesAmt
PY Revenues Less Expenses$3,120,730PYRevenuesLessExpensesAmt
CY Revenues Less Expenses$854,861CYRevenuesLessExpensesAmt
Total Assets BOY$592,793,867TotalAssetsBOYAmt
Total Assets EOY$628,239,411TotalAssetsEOYAmt
Total Liabilities BOY$539,239,402TotalLiabilitiesBOYAmt
Total Liabilities EOY$573,915,477TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY$53,554,465NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY$54,323,934NetAssetsOrFundBalancesEOYAmt
MissionTO BE A TRUSTED PARTNER IN HELPING MEMBERS ACHIEVE THEIR FINANCIAL GOALS.MissionDesc
Significant New Program Srvc0SignificantNewProgramSrvcInd
Significant Change0SignificantChangeInd
DescPROVIDE 71,278 MEMBERS WITH SHARE DRAFTS, REGULAR SHARES, IRA, MONEY MARKET, CERTIFICATES AND OTHER SAVINGS ACCOUNTS TOTALING 134,558.Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

FieldValueIRS element (for citing)
DescPROVIDE 38,192 LOANS INCLUDING CREDIT CARD, LINE OF CREDIT, NEW AND USED VEHICLE, FIRST MORTGAGE, BUSINESS, INDIRECT, PAY DAY, PARTICIPATION AND OTHER REAL ESTATE.Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

FieldValueIRS element (for citing)
DescOFFER ATM, DEBIT CARDS, CHECK CASHING, WIRE TRANSFERS, MONEY ORDERS, TRAVELERS CHECKS, OD PRIVILEGES, SAFE DEPOSIT BOXES, COIN COUNTING, BILL PAY, SHARED BRANCHING, FINANCIAL EDUCATION AND VARIOUS INSURANCE PROGRAMS TO ALL ELIGIBLE MEMBERS.Desc
FieldValueIRS element (for citing)
Described In Section501c30DescribedInSection501c3Ind
Schedule B Required0ScheduleBRequiredInd
Political Campaign Acty0PoliticalCampaignActyInd
Subject To Proxy Tax0SubjectToProxyTaxInd
Donor Advised Fund0DonorAdvisedFundInd
Conservation Easements0ConservationEasementsInd
Collections Of Art0CollectionsOfArtInd
Credit Counseling0CreditCounselingInd
Temp Or Permanent Endowments0TempOrPermanentEndowmentsInd
Report Land Building EquipmentYes (1)ReportLandBuildingEquipmentInd
Report Investments Other SecYes (1)ReportInvestmentsOtherSecInd
Report Program Related Invst0ReportProgramRelatedInvstInd
Report Other Assets0ReportOtherAssetsInd
Report Other LiabilitiesYes (1)ReportOtherLiabilitiesInd
Include FIN48 FootnoteYes (1)IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt0IndependentAuditFinclStmtInd
Consolidated Audit Fincl StmtYes (1)ConsolidatedAuditFinclStmtInd
School Operating0SchoolOperatingInd
Foreign Office0ForeignOfficeInd
Foreign Activities0ForeignActivitiesInd
More Than5000 K To Org0MoreThan5000KToOrgInd
More Than5000 K To Individuals0MoreThan5000KToIndividualsInd
Professional Fundraising0ProfessionalFundraisingInd
Fundraising Activities0FundraisingActivitiesInd
Gaming Activities0GamingActivitiesInd
Operate Hospital0OperateHospitalInd
Grants To Organizations0GrantsToOrganizationsInd
Grants To Individuals0GrantsToIndividualsInd
Schedule J RequiredYes (1)ScheduleJRequiredInd
Tax Exempt Bonds0TaxExemptBondsInd
Loan Outstanding0LoanOutstandingInd
Grant To Related Person0GrantToRelatedPersonInd
Business Rln With Org Mem0BusinessRlnWithOrgMemInd
Business Rln With Fam Mem0BusinessRlnWithFamMemInd
Business Rln With Officer Ent0BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri0DeductibleNonCashContriInd
Deductible Art Contribution0DeductibleArtContributionInd
Terminate Operations0TerminateOperationsInd
Partial Liquidation0PartialLiquidationInd
Disregarded EntityYes (1)DisregardedEntityInd
Related Entity0RelatedEntityInd
Related Organization Ctrl Ent0RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp0ActivitiesConductedPrtshpInd
Schedule O RequiredYes (1)ScheduleORequiredInd
IRP Document7349IRPDocumentCnt
IRP Document W2 G0IRPDocumentW2GCnt
Backup Wthld ComplianceYes (1)BackupWthldComplianceInd
Employee313EmployeeCnt
Employment Tax Returns FiledYes (1)EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over LimitYes (1)UnrelatedBusIncmOverLimitInd
Form990 T FiledYes (1)Form990TFiledInd
Foreign Financial Account0ForeignFinancialAccountInd
Prohibited Tax Shelter Trans0ProhibitedTaxShelterTransInd
Taxable Party Notification0TaxablePartyNotificationInd
Nondeductible Contributions0NondeductibleContributionsInd
Indoor Tanning Services0IndoorTanningServicesInd
Info In Schedule O Part VIYes (X)InfoInScheduleOPartVIInd
Governing Body Voting Members11GoverningBodyVotingMembersCnt
Independent Voting Member11IndependentVotingMemberCnt
Family Or Business Rln0FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties0DelegationOfMgmtDutiesInd
Change To Org Documents0ChangeToOrgDocumentsInd
Material Diversion Or Misuse0MaterialDiversionOrMisuseInd
Members Or StockholdersYes (1)MembersOrStockholdersInd
Election Of Board MembersYes (1)ElectionOfBoardMembersInd
Decisions Subject To ApprovaYes (1)DecisionsSubjectToApprovaInd
Minutes Of Governing BodyYes (1)MinutesOfGoverningBodyInd
Minutes Of CommitteesYes (1)MinutesOfCommitteesInd
Officer Mailing Address0OfficerMailingAddressInd
Local ChaptersYes (1)LocalChaptersInd
Policies Reference ChaptersYes (1)PoliciesReferenceChaptersInd
Form990 Provided To Gvrn BodyYes (1)Form990ProvidedToGvrnBodyInd
Conflict Of Interest PolicyYes (1)ConflictOfInterestPolicyInd
Annual Disclosure Covered PrsnYes (1)AnnualDisclosureCoveredPrsnInd
Regular Monitoring EnfrcYes (1)RegularMonitoringEnfrcInd
Whistleblower PolicyYes (1)WhistleblowerPolicyInd
Document Retention PolicyYes (1)DocumentRetentionPolicyInd
Compensation Process CEOYes (1)CompensationProcessCEOInd
Compensation Process OtherYes (1)CompensationProcessOtherInd
Investment In Joint Venture0InvestmentInJointVentureInd
Other WebsiteYes (X)OtherWebsiteInd
Upon RequestYes (X)UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1FRITZ COMESBusinessNameLine1Txt
FieldValueIRS element (for citing)
Phone4198419838PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line15121 WHITEFORD ROADAddressLine1Txt
CitySYLVANIACityNm
State AbbreviationOHStateAbbreviationCd
ZIP435602987ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (18 entries)

TitleTitleTxtAverage Hours Per WeekAverageHoursPerWeekRtIndividual Trustee Or DirectorIndividualTrusteeOrDirectorIndOfficerOfficerIndReportable Comp From OrgReportableCompFromOrgAmtReportable Comp From Rltd OrgReportableCompFromRltdOrgAmtOther CompensationOtherCompensationAmtAverage Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRtHighest Compensated EmployeeHighestCompensatedEmployeeInd
SARAH PAWLICKI
CHAIR3.00Yes (X)Yes (X)$0$0$0
JOYCE SLUSHER
VICE-CHAIR2.00Yes (X)Yes (X)$0$0$0
KIM HOWARD
SECRETARY1.00Yes (X)Yes (X)$0$0$0
BARRETT THOMAS
TREASURER1.00Yes (X)Yes (X)$0$0$0
WILLIAM OZUK
DIRECTOR1.00Yes (X)$0$0$0
PATRICE SCOTT
DIRECTOR1.00Yes (X)$0$0$0
JOE SHARP
DIRECTOR1.00Yes (X)$0$0$0
JEFF O'BRIEN
DIRECTOR1.00Yes (X)$0$0$00.00
MARK KOTT
DIRECTOR1.00Yes (X)$0$0$00.00
KEVIN EFF
DIRECTOR1.00Yes (X)$0$0$00.00
PATRICIA PETERSON
DIRECTOR1.00Yes (X)$0$0$00.00
BARRY SHANER
CEO45.00Yes (X)$288,588$0$5,347
FREDERIC COMES
CFO45.00Yes (X)$133,298$0$2,9560.00
JULIE LINCH
SVP OF MEMBER SERVICE45.00$146,180$0$4,191Yes (X)
RALPH KUBACKI
SVP CORPORATED SERVICES45.00$187,125$0$3,5370.00Yes (X)
KATHY MARTIN
SVP ORG DEVELOPMENT45.00$138,189$0$1,5100.00Yes (X)
JENNIFER HERNES
MORTGAGE ORIGINATOR40.00$175,577$0$1,000Yes (X)
LORA KORALEWSKI
MORTGAGE ORIGINATOR40.00$252,630$0$1,379Yes (X)
FieldValueIRS element (for citing)
Total Reportable Comp From Org$1,321,587TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org$0TotReportableCompRltdOrgAmt
Total Other Compensation$19,920TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K7IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed0FormerOfcrEmployeesListedInd
Total Comp Greater Than150 KYes (1)TotalCompGreaterThan150KInd
Compensation From Other Srcs0CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1TxtCityContractorAddress/USAddress/CityNmState AbbreviationContractorAddress/USAddress/StateAbbreviationCdZIPContractorAddress/USAddress/ZIPCdServicesServicesDescCompensationCompensationAmt
IDSCOM
747 E WHITCOMB AVEMADISON HEIGHTSMI48071MEMBER STATEMENTS$304,565
SIMONSON CONSTRUCTION
2112 TROY RDASHLANDOH44805CONSTRUCTION$244,676
OAKSTONE LANDSCAPE LLC
PO BOX 348CRESTLINEOH44827GROUND WORK$222,382
MITEL NET SOLUTIONS
PO BOX 53230PHOENIXAZ850723230PHONES$197,821
DODSON AND SONS
2470 S CRISSEY RDMONCLOVAOH43542CONSTRUCTION$189,514
FieldValueIRS element (for citing)
Cntrct Rcvd Greater Than100 K5CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDescBusinessBusinessCdTotal Revenue ColumnTotalRevenueColumnAmtRelated Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmtUnrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS522100$19,861,274$19,861,274
FEE INCOME522100$7,694,548$7,609,695$84,853
OTHER OPERATING INCOME522100$1,295,083$1,235,626$59,457
FieldValueIRS element (for citing)
Total Program Service Revenue$28,850,905TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

FieldValueIRS element (for citing)
Total Revenue Column$1,016,408TotalRevenueColumnAmt
Exclusion$1,016,408ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

FieldValueIRS element (for citing)
Securities$11,000,000SecuritiesAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

FieldValueIRS element (for citing)
Securities$10,975,505SecuritiesAmt

Gain Or Loss GainOrLossGrp

FieldValueIRS element (for citing)
Securities$24,495SecuritiesAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

FieldValueIRS element (for citing)
Total Revenue Column$24,495TotalRevenueColumnAmt
Exclusion$24,495ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp

FieldValueIRS element (for citing)
DescFHLMC MORTGAGESDesc
Business522292BusinessCd
Total Revenue Column$1,413,084TotalRevenueColumnAmt
Related Or Exempt Func Income$1,413,084RelatedOrExemptFuncIncomeAmt
FieldValueIRS element (for citing)
Other Revenue Total$1,413,084OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

FieldValueIRS element (for citing)
Total Revenue Column$31,304,892TotalRevenueColumnAmt
Related Or Exempt Func Income$30,119,679RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue$144,310UnrelatedBusinessRevenueAmt
Exclusion$1,040,903ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

FieldValueIRS element (for citing)
Total$430,189TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

FieldValueIRS element (for citing)
Total$9,627,719TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

FieldValueIRS element (for citing)
Total$104,423TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

FieldValueIRS element (for citing)
Total$1,418,109TotalAmt

Payroll Taxes PayrollTaxesGrp

FieldValueIRS element (for citing)
Total$750,025TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

FieldValueIRS element (for citing)
Total$23,215TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

FieldValueIRS element (for citing)
Total$96,103TotalAmt

Fees For Services Other FeesForServicesOtherGrp

FieldValueIRS element (for citing)
Total$108,571TotalAmt

Advertising AdvertisingGrp

FieldValueIRS element (for citing)
Total$955,569TotalAmt

Office Expenses OfficeExpensesGrp

FieldValueIRS element (for citing)
Total$7,186,639TotalAmt

Occupancy OccupancyGrp

FieldValueIRS element (for citing)
Total$1,685,389TotalAmt

Travel TravelGrp

FieldValueIRS element (for citing)
Total$62,416TotalAmt

Conferences Meetings ConferencesMeetingsGrp

FieldValueIRS element (for citing)
Total$205,444TotalAmt

Interest InterestGrp

FieldValueIRS element (for citing)
Total$2,086,569TotalAmt

Depreciation Depletion DepreciationDepletionGrp

FieldValueIRS element (for citing)
Total$1,089,569TotalAmt

Insurance InsuranceGrp

FieldValueIRS element (for citing)
Total$152,782TotalAmt

Other Expenses OtherExpensesGrp (2 entries)

DescDescTotalTotalAmt
PROVISION FOR LOAN LOSS$4,035,000
MISCELLANEOUS OPERATING$432,300

Total Functional Expenses TotalFunctionalExpensesGrp

FieldValueIRS element (for citing)
Total$30,450,031TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

FieldValueIRS element (for citing)
BOY$9,927,173BOYAmt
EOY$8,886,775EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

FieldValueIRS element (for citing)
BOY$17,437,838BOYAmt
EOY$25,813,429EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

FieldValueIRS element (for citing)
BOY$431,758,430BOYAmt
EOY$462,337,054EOYAmt
FieldValueIRS element (for citing)
Land Bldg Equip Cost Or Other Bss$28,482,879LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec$14,939,145LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

FieldValueIRS element (for citing)
BOY$13,379,470BOYAmt
EOY$13,543,734EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

FieldValueIRS element (for citing)
BOY$100,468,065BOYAmt
EOY$99,086,801EOYAmt

Other Assets Total OtherAssetsTotalGrp

FieldValueIRS element (for citing)
BOY$19,822,891BOYAmt
EOY$18,571,618EOYAmt

Total Assets TotalAssetsGrp

FieldValueIRS element (for citing)
BOY$592,793,867BOYAmt
EOY$628,239,411EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

FieldValueIRS element (for citing)
BOY$6,077,852BOYAmt
EOY$8,039,109EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

FieldValueIRS element (for citing)
BOY$5,000,000BOYAmt
EOY$5,000,000EOYAmt

Other Liabilities OtherLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$528,161,550BOYAmt
EOY$560,876,368EOYAmt

Total Liabilities TotalLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$539,239,402BOYAmt
EOY$573,915,477EOYAmt
FieldValueIRS element (for citing)
Org Does Not Follow SFAS117Yes (X)OrgDoesNotFollowSFAS117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

FieldValueIRS element (for citing)
BOY$0BOYAmt
EOY$0EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

FieldValueIRS element (for citing)
BOY$0BOYAmt
EOY$0EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

FieldValueIRS element (for citing)
BOY$53,554,465BOYAmt
EOY$54,323,934EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$53,554,465BOYAmt
EOY$54,323,934EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$592,793,867BOYAmt
EOY$628,239,411EOYAmt
FieldValueIRS element (for citing)
Info In Schedule O Part XIYes (X)InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss$854,861ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst-$156,334NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets$70,942OtherChangesInNetAssetsAmt
Info In Schedule O Part XIIYes (X)InfoInScheduleOPartXIIInd
Method Of Accounting AccrualYes (X)MethodOfAccountingAccrualInd
Accountant Compile Or Review0AccountantCompileOrReviewInd
FS AuditedYes (1)FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

FieldValueIRS element (for citing)
Consolidated Basis Fincl StmtYes (X)ConsolidatedBasisFinclStmtInd
FieldValueIRS element (for citing)
Audit CommitteeYes (1)AuditCommitteeInd
Federal Grant Audit Required0FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$3,523,487OtherCostOrOtherBasisAmt
Book Value$3,523,487BookValueAmt

Buildings BuildingsGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$11,752,059OtherCostOrOtherBasisAmt
Depreciation$5,998,485DepreciationAmt
Book Value$5,753,574BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$4,229,536OtherCostOrOtherBasisAmt
Depreciation$1,348,548DepreciationAmt
Book Value$2,880,988BookValueAmt

Equipment EquipmentGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$8,977,797OtherCostOrOtherBasisAmt
Depreciation$7,592,112DepreciationAmt
Book Value$1,385,685BookValueAmt
FieldValueIRS element (for citing)
Total Book Value Land Buildings$13,543,734TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (6 entries)

DescDescBook ValueBookValueAmtMethod ValuationMethodValuationCd
AFS INVESTMENTS$84,997,617F
HTM INVESTMENTS$2,000,000C
CERTIFICATES$6,748,000C
INVESTMENT IN CUSO'S$81,017C
FEDERAL HOME LOAN BANK$1,797,900C
INVESTMENT IN OTHER CREDIT UNIONS$3,462,267C
FieldValueIRS element (for citing)
Total Book Value Securities$99,086,801TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

FieldValueIRS element (for citing)
DescMEMBERS' SHARES & DEPOSITSDesc
Amt$560,876,368Amt
FieldValueIRS element (for citing)
Total Liability$560,876,368TotalLiabilityAmt
Footnote TextYes (X)FootnoteTextInd

Supplemental Information Detail SupplementalInformationDetail

FieldValueIRS element (for citing)
Form And Line ReferencePART X, LINE 2:FormAndLineReferenceDesc
ExplanationTHE 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 UNION'S INCOME TAX RETURNS PRIOR TO 2012 ARE CLOSED. MANAGEMENT DETERMINED THERE WERE NO MATERIAL UNCERTAIN POSITIONS TAKEN BY THE CREDIT UNION IN ITS TAX RETURNS.ExplanationTxt

Schedule J IRS990ScheduleJ

FieldValueIRS element (for citing)
Substantiation RequiredYes (1)SubstantiationRequiredInd
Independent ConsultantYes (X)IndependentConsultantInd
Board Or Committee ApprovalYes (X)BoardOrCommitteeApprovalInd
Severance Payment0SeverancePaymentInd
Supplemental Nonqual Rtr Plan0SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm0EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (5 entries)

TitleTitleTxtBase Compensation Filing OrgBaseCompensationFilingOrgAmtCompensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmtBonus Filing OrganizationBonusFilingOrganizationAmountBonus Related OrganizationsBonusRelatedOrganizationsAmtOther Compensation Filing OrgOtherCompensationFilingOrgAmtOther Compensation Rltd OrgsOtherCompensationRltdOrgsAmtDeferred Compensation Flng OrgDeferredCompensationFlngOrgAmtDeferred Comp Rltd OrgsDeferredCompRltdOrgsAmtNontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmtNontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmtTotal Compensation Filing OrgTotalCompensationFilingOrgAmtTotal Compensation Rltd OrgsTotalCompensationRltdOrgsAmtComp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmtComp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
BARRY SHANER
CEO$262,650$0$25,704$0$234$0$3,297$0$2,050$0$293,935$0$0$0
JULIE LINCH
SVP OF MEMBER SERVICE$139,256$0$6,690$0$234$0$2,176$0$2,015$0$150,371$0$0$0
RALPH KUBACKI
SVP CORPORATED SERVICES$175,979$0$8,611$0$2,535$0$2,537$0$1,000$0$190,662$0$0$0
JENNIFER HERNES
MORTGAGE ORIGINATOR$174,600$0$788$0$189$0$0$0$1,000$0$176,577$0$0$0
LORA KORALEWSKI
MORTGAGE ORIGINATOR$251,675$0$788$0$167$0$629$0$750$0$254,009$0$0$0

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (10 entries)

Form And Line ReferenceFormAndLineReferenceDescExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE AND VOTING.
FORM 990, PART VI, SECTION A, LINE 7ABOARD MEMBERS ARE ELECTED BY THE MEMBERS BY A SIMPLE PLURALITY VOTE FOR THREE YEAR TERMS ON A ROTATING BASIS.
FORM 990, PART VI, SECTION A, LINE 7BMERGERS AND NAME CHANGES REQUIRE THE APPROVAL OF THE MEMBERSHIP.
FORM 990, PART VI, SECTION B, LINE 11THE FORM 990 IS REVIEWED BY THE CFO OF THE CREDIT UNION PRIOR TO FILING. COPIES ARE PROVIDED TO THE BOARD OF DIRECTORS FOR THIER REVIEW.
FORM 990, PART VI, SECTION B, LINE 12CTHE POLICY IS INCLUDED IN THE EMPLOYEE HANDBOOK AND IS REQUIRED TO BE SIGNED BY NEW HIRES AND WHEN THERE'S A CHANGE IN THE POLICY. BOARD MEMBERS ARE REQUIRED TO DISCLOSE ANY KNOWN OR POTENTIAL CONFLICTS IN ADVANCE OF A TRANSACTION AND ARE REQUIRED TO SIGN AN ANNUAL DISCLOSURE.
FORM 990, PART VI, SECTION B, LINE 15CEO AND TOP MANAGEMENT POSITION'S COMPENSATION IS DETERMINED BY COMPARABILITY OF LIKE-SIZE CREDIT UNIONS. COMPENSATION IS ADJUSTED ANNUALLY TO COMPENSATE FOR COST OF LIVING AND PERFORMANCE OBJECTIVES THROUGH AN INTERNAL MATRIX PROGRAM AS DETERMINED AND APPROVED BY THE BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION C, LINE 19MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE ORGANIZATION'S LOBBIES. ALL OTHER POLICIES AND DOCUMENTS ARE MADE AVAILABLE UPON REQUEST.
FORM 990, PART XI, LINE 9:EQUITY ACQUIRED IN MERGER 70,942.
FORM 990, PART XII, LINE 2C:THE ORGANIZATION HAS A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR OVERSIGHT OF THE AUDIT PROCESS AND SELECTION OF AN INDEPENDENT ACCOUNTANT.
FORM 990, SCHEDULE OON 1/1/2015, THE ORGANIZATION MERGED WITH OARDC, (EIN 23-7013757).

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

FieldValueIRS element (for citing)
Business Name Line1TFS MARKETINGBusinessNameLine1Txt

US Address USAddress

FieldValueIRS element (for citing)
Address Line15121 WHITEFORD ROADAddressLine1Txt
CitySYLVANIACityNm
State AbbreviationOHStateAbbreviationCd
ZIP43560ZIPCd
FieldValueIRS element (for citing)
EIN030520723EIN
Primary ActivitiesFINANCIAL SERVICESPrimaryActivitiesTxt
Legal Domicile StateOHLegalDomicileStateCd
Total Income$0TotalIncomeAmt
End Of Year Assets$267,634EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

FieldValueIRS element (for citing)
Business Name Line1DIRECTIONS CREDIT UNIONBusinessNameLine1Txt

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