2011-08-13T09:01:20-05:00 2010-12-31 GARY CONDIT CPA 440 POLARIS PKWY STE 140 WESTERVILLE OH 43082 990 2010-01-01 340825291 CARDINAL COMMUNITY CREDIT UNION CARD 4402662200 8500 WESTPORT DRIVE MENTOR OH 44060 CHRISTINE BLAKE 4402662200 2011-05-03 false GARY D CONDIT 6148912556 2011-08-13 X 2010 2016-02-24 21:20:13Z CHRISTINE BLAKE 8500 WESTPORT DRIVE MENTOR OH 44060 8421299 false X WWW.CARDINALCU.COM X 1953 OH PROVIDE FINANCIAL SERVICES TO QUALIFIED MEMBERS 9 9 64 28490 -63034 0 7484971 6878721 1844036 1542578 351758 0 9680765 8421299 0 0 2873076 2833294 0 0 5800095 4695093 8673171 7528387 1007594 892912 160752372 153678259 145568570 137591615 15183802 16086644 X PROVIDE FINANCIAL SERVICES TO QUALIFIED MEMBERS false false PROVIDE FINANCIAL SERVICES TO MEMBERSHIP PROVIDE FINANCIAL SERVICES TO MEMBERSHIP false false false false false false false true false true true false false true false true false false false false false false false false false false false false true false true false true false false false false false false false false false false false true 6382 0 true 64 true true true false false false false false X 9 9 false false false false true true true true true false true true true true true true true true true true false X APRIL MCLEOD 4402662200 8500 WESTPORT DRIVE MENTOR OH 44060 JAMES GRAY 1.00 X 0 0 0 JOANNE IOCCA 1.00 X 0 0 0 MICHELLE MASKOL 1.00 X 0 0 0 RANDY MEARS 1.00 X 0 0 0 JAMES METZ 1.00 X 0 0 0 KATHLEEN O'CONNELL-BURTON 1.00 X 0 0 0 WILLIAM PATRICK JR 1.00 X 0 0 0 RICK LAYTON 1.00 X 0 0 0 ROBERT DRAGOLIC 1.00 X 0 0 0 APRIL MCLEOD 40.00 X 102415 0 0 CHRISTINE BLAKE 40.00 X 73879 0 0 JAMES HARTMAN 40.00 X 38763 0 0 215057 1 true false false AMERICAN SHARE INSURANCE 5656 FRANTZ RD DUBLIN OH 43017 SHARE INSURANCE 495709 ANTHEM BLE CROSS BLUE SHIELD PO BOX 105673 ATLANTA GA 303485673 MED INSURANCE 360381 FISERV EFT 75 REMITTANCE DRIVE CHICAGO IL 60675 DEBIT PROCESSIN 232049 FISERVE 75 REMITTANCE DRIVE CHICAGO IL 60675 DATA PROCESSING 219293 4 INTEREST ON LOANS 4969699 4969699 FEE INCOME 1765969 1765969 GAIN ON SALE OF ASSETS 143053 143053 FEES AND COMMISSION - TAXABLE 522100 28490 28490 LESS TAXABLE INCOME -28490 -28490 6878721 1542578 1542578 8421299 8392809 28490 2833294 2833294 296594 296594 1425109 1425109 353089 353089 85594 85594 1486201 1486201 290473 290473 PROVISION FOR LOAN LOSS 460246 460246 MISC OPERATING EXPENSES 163661 163661 PROFESSIONAL 134126 134126 7528387 7528387 0 0 10726218 6245143 872086 406334 84159869 76023378 8553869 2523106 6320546 6030763 19533742 20535311 35995075 40915040 3144836 3522290 160752372 153678259 380772 506547 145187798 137085068 145568570 137591615 X 15183802 16086644 15183802 16086644 160752372 153678259 892912 9930 X false true true false false false false false false true false false false 1162153 1162153 7391716 2523106 4868610 6030763 NON SFAS 115 39615040 C CORPORATE CREDIT UNION DEPOSITS 1300000 C 40915040 MEMBER DEPOSITS 136201991 ACCOUNTS PAYABLE AND ACCRUED EXPENSE 1362507 ACCRUED DIVIDENDS AND INTEREST 27117 LESS: ESCROW ACCOUNT -506547 137085068 8421299 7528387 892912 892912 8421299 8421299 8421299 7528387 7528387 7528387 ESCROW LIABILITY ARRANGEMENT EXPLANATION SCHEDULE D, PAGE 2, PART IV, LINE 2B MORTGAGE LOAN ESCROW FOR INSURANCE AND TAXES X X X false false false JAMES HARTMAN 38763 38763 CHRISTINE BLAKE FORMER DIRECTOR true DENISE CHESNIC STANDARD CONSUMER LOAN X 143114 151271 false true true RENEE MULLEN STANDARD CONSUMER LOAN X 146371 139848 false true true RICK LAYTON STANDARD CONSUMER LENDING X 41044 false true true RANDY MEARS STANDARD CONSUMER LOAN X 21668 18263 false true true SANDY HAMO STANDARD CONSUMER LOAN X 16450 false true true WILLIAM PATRICK JR STANDARD CONSUMER LOAN X 14298 16150 false true true JAMES GRAY STANDARD CONSUMER LOAN X 17005 16118 false true true MICHELLE MASKOL STANDARD CONSUMER LOAN X 17249 7190 false true true 406334 EXPLANATION ON VOLUNTEERS AND TYPES OF SERVICES OR BENEFITS FORM 990, PAGE 1, PART I, LINE 6 BOARD SERVICES ALL OTHER ACHIEVEMENTS DESCRIPTION FORM 990, PAGE 2, PART III, LINE 4D PROVIDE FINANCIAL SERVICES TO MEMBERSHIP CLASSES OF MEMBERS OR STOCKHOLDERS FORM 990, PAGE 6, PART VI, LINE 6 MEMBERSHIP REQUIRED THROUGH SELECT GROUP QUALIFICATIONS ELECTION OF MEMBERS AND THEIR RIGHTS FORM 990, PAGE 6, PART VI, LINE 7A BOARD OF DIRECTORS IS ELECTED BY MEMBERSHIP DECISIONS SUBJECT TO APPROVAL OF MEMBERS FORM 990, PAGE 6, PART VI, LINE 7B CERTAIN TRANSACTIONS AND CHANGES TO THE CODE OF REGULATIONS ARE SUBJECT TO MEMBER APPROVAL ORGANIZATION'S PROCESS USED TO REVIEW FORM 990 FORM 990, PAGE 6, PART VI, LINE 11B FORMS ARE REVIEWED BY THE CEO, THE BOARD AND CFO OF THE FINANCIAL INSTITUTION. THE FORM WILL BE PROVIDED TO THE BOARD VIA E-MAIL. ENFORCEMENT OF CONFLICTS POLICY FORM 990, PAGE 6, PART VI, LINE 12C REQUIRES ANNUAL SIGNING OF CONFLICT AGREEMENT BY DIRECTORS COMPENSATION PROCESS FOR TOP OFFICIAL FORM 990, PAGE 6, PART VI, LINE 15A REVIEWED BY EXECUTIVE COMMITTEE COMPENSATION PROCESS FOR OFFICERS FORM 990, PAGE 6, PART VI, LINE 15B USE COMPARATIVE MARKET DATA AVAILABLE FROM THIRD PARTY SOURCES GOVERNING DOCUMENTS DISCLOSURE EXPLANATION FORM 990, PAGE 6, PART VI, LINE 19 FINANCIAL STATEMENTS POSTED PUBLICALLY, OTHER DOCUMENTS MAY BE PRODUCED UPON REQUEST.