Edison Credit Union Inc

EIN: 310707082

Springfield, OH

Total Revenue
$254,372
Total Expenses
$262,646
Total Assets
$3,801,817
Net Assets
$477,011
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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year
1964
Legal Domicile
OH
Principal Officer
Herb Bushu
Phone
9373253582
Tax Period
2019-01-01 to 2019-12-31

Edison Credit Union Inc, founded in 1964, is a small nonprofit that reported $254K in total revenue in fiscal year 2019.

Mission

The mission of the credit union is to provide the best financial service including savings and loan services to existing and future members within our field of membership, while maintaining safety, security and financial soundness.

Program Service Accomplishments

Program 1

The credit union serviced their 716 members by providing deposit services including share and club accounts, share draft accounts, share certificates and IRA accounts. The members have access to home...

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The credit union serviced their 716 members by providing deposit services including share and club accounts, share draft accounts, share certificates and IRA accounts. The members have access to home banking, debit cards, credit cards and ATMs. The credit union's net worth increased from 11.70% in 2018 to 12.54% in 2019.

Program 2

Loan products offered by the credit union include new and used vehicle loans, recreational vehicle loans, share secured loans, unsecured loans and credit cards. Loans increased 1.05% in 2019. The...

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Loan products offered by the credit union include new and used vehicle loans, recreational vehicle loans, share secured loans, unsecured loans and credit cards. Loans increased 1.05% in 2019. The credit union granted 106 loans in 2019 totaling $1,095,575 at competitive loan rates.

Program 3

The credit union paid competitive dividends on 855 share accounts, share certificate accounts and IRA accounts held by the credit union's 716 members.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2019)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $227,169
Investment Income $27,203
Other Revenue $0
TOTAL REVENUE $254,372

Expense Breakdown

Grants Paid $0
Salaries & Benefits $129,032
Fundraising Expenses $0
Program Expenses $0
Other Expenses $133,614
TOTAL EXPENSES $262,646

Year-over-Year Comparison

2019 2018 Change
Revenue $254,372 $254,246 +0.0%
Expenses $262,646 $268,853 0.0%
Net Income $-8,274 $-14,607 -0.4%
Key Indicators
Grants to Organizations Grants to Individuals Lobbying Political Activity Foreign Activities Donor Advised Fund Schedule B Required
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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

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Governance

Voting Members
7
Independent Members
1
Employees
4
Volunteers
14

Governance Policies

Conflict of Interest Policy
Whistleblower Policy
Document Retention Policy

Special Practices & Reported Activities

Operated a School
Operated a Hospital
Provided First Class Travel
Reported Conflict of Interest
Reported Asset Diversion
Excess Benefit Transaction
Made Political Expenditures
Engaged in Lobbying
Operated Donor Advised Fund
Maintained Art Collections
Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
4
$0
Total Directors
7
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Nancy Gregory Board Director 0.50
Director
$0 $0 $0
Edward Wadsworth Board Director 0.50
Director
$0 $0 $0
Allan Carleton Board Director 0.50
Director
$0 $0 $0
Tim Suter Board Treasurer 0.50
Officer Director
$0 $0 $0
Constance Wilcox Board Secretary 0.75
Officer Director
$0 $0 $0
Benjamin Miller Board Vice President 0.50
Officer Director
$0 $0 $0
Herb Bushu Board President 0.50
Officer Director
$0 $0 $0
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2019 $254,372 $262,646 $3,801,817 $-8,274
2018 $254,246 $268,853 $4,144,781 $-14,607
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