OHIO CREDIT UNION LEAGUE

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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

1934

Legal Domicile

Principal Officer

PAUL MERCER

Phone

6143362894

Tax Period

2023-01-01 to 2023-12-31

OHIO CREDIT UNION LEAGUE, founded in 1934, is a community nonprofit that reported $4.5M in total revenue in fiscal year 2023. Expenses of $4.0M left a modest 11% surplus.

Mission

THE OHIO CREDIT UNION LEAGUE IS A CATALYST FOR CREDIT UNION SUCCESS.

Program Service Accomplishments

Program 1

LEGISLATIVE & REGULATORY ADVOCACY - THE LEGISLATIVE AND REGULATORYINTERESTS OF OHIO'S CREDIT UNIONS ARE PROTECTED, REPRESENTED, ANDADVANCED BY OCUL AT THE STATE AND FEDERAL LEVELS. WE...

LEGISLATIVE & REGULATORY ADVOCACY - THE LEGISLATIVE AND REGULATORYINTERESTS OF OHIO'S CREDIT UNIONS ARE PROTECTED, REPRESENTED, ANDADVANCED BY OCUL AT THE STATE AND FEDERAL LEVELS. WE CONDUCTRELATIONSHIP BUILDING ACTIVITIES SUCH AS CU TOURS, LEGISLATIVE EVENTS,HIKE THE HILL, STATEHOUSE & CAPITOL HILL LOBBYING, AND INTRODUCTION OFLEGISLATION. WE SPONSOR TWO PACS TO SUPPORT THOSE ELECTED OFFICIALSTHAT VISIBLY SUPPORT CREDIT UNIONS AND OUR ISSUES. GRASSROOTS ACTIVISMIS COORDINATED AS NEEDED.

Program 2

COMMUNICATIONS & STRATEGIC RESOURCES - OHIO CREDIT UNIONS RECEIVE THEINFORMATION AND TOOLS THEY NEED TO ENGAGE IMPORTANT AUDIENCES SUCH ASLEGISLATORS, MEDIA, MEMBERS AND THEIR COMMUNITIES FROM OCUL. THERE ARESEVERAL VEHICLES FOR THIS INFORMATION, ALL DEDICATED TO THE ADVANCEMENTOF THE OHIO CREDIT UNION MOVEMENT. INCLUDED ARE MEMBER COMMUNICATIONS,MEDIA RELATIONS, AND STRATEGIC RESOURCES SUCH AS CUANALYZER, CUQUARTERLY PERFORMANCE REPORTS, FINDACREDITUNION.COM, AND CURRENTCONSUMER DATA.

Program 3

COMPLIANCE SUPPORT - OHIO MEMBER CREDIT UNIONS RECEIVE ACCESS TO TOOLSAND OTHER RESOURCES REQUIRED TO ENSURE COMPLIANCE WITH APPLICABLE LAWSAND RULES. VEHICLES USED TO PROVIDE THE SUPPORT INCLUDE...

COMPLIANCE SUPPORT - OHIO MEMBER CREDIT UNIONS RECEIVE ACCESS TO TOOLSAND OTHER RESOURCES REQUIRED TO ENSURE COMPLIANCE WITH APPLICABLE LAWSAND RULES. VEHICLES USED TO PROVIDE THE SUPPORT INCLUDE STAFF EXPERTS,OUR WEB-BASED MANUAL, INFOSIGHT, WEEKLY E-NEWSLETTERS, PERIODIC NEWSRELEASES, WEBINARS, SEMINARS, DISTANCE LEARNING TOOLS, AND FULL ACCESSTO THE MATERIALS PROVIDED BY OUR NATIONAL AFFILIATE, CUNA.

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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%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,713,612

Investment Income $86,365

Other Revenue $694,906

TOTAL REVENUE $4,494,883

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,227,361

Fundraising Expenses $0

Other Expenses $1,755,096

TOTAL EXPENSES $3,982,457

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,494,883	$4,219,949	+0.1%
Expenses	$3,982,457	$3,891,849	+0.0%
Net Income	$512,426	$328,100	+0.6%

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

Governance

Voting Members

Independent Members

Employees

Volunteers

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

$1,224,963

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BILL BURKE	CHAIR	0.50	Officer Director	$0	$0	$0
MIRANDA MCCONOUGHEY	VICE CHAIR	0.50	Officer Director	$0	$0	$0
JESSICA JONES	SEC/TREASURER	0.50	Officer Director	$0	$0	$0
JACQUELINE MOORE	DIRECTOR	0.50	Director	$0	$0	$0
SCOTT HICKS	DIRECTOR	0.50	Director	$0	$0	$0
BARRY SHANER	DIRECTOR	0.50	Director	$0	$0	$0
BRIAN MCCUE	DIRECTOR	0.50	Director	$0	$0	$0
SARIAH FLYNN	DIRECTOR	0.50	Director	$0	$0	$0
DAN SUTTON	DIRECTOR	0.50	Director	$0	$0	$0
PAUL MERCER	EXECUTIVE DIRECTOR	20.00	Officer	$549,794	$79,571	$629,365
EMILY LEITE	CHIEF ADVOCACY OFFICER	36.00	Officer	$241,821	$53,414	$295,235
LAURA AUXTER	CHIEF REVENUE OFFICER	4.00	Officer	$241,814	$58,549	$300,363
NATALIE PHILLIPS	SR. BUSINESS SOLUTIONS MANAGER	4.00	Highest	$151,379	$9,607	$160,986
JOSE ORTIZ	SR. BUSINESS SOLUTIONS MANAGER	4.00	Highest	$138,406	$57,687	$196,093
KYLE ALFORD	DIR, BUSINESS RESEARCH & DEVELOPMENT	4.00	Highest	$121,693	$18,749	$140,442
KEVIN MULDER	SR. BUSINESS SOLUTIONS MANAGER	4.00	Highest	$120,393	$10,969	$131,362
KIMBERLY CONNOR	VP, MEMBER EXPERIENCE	36.00	Highest	$111,763	$66,172	$177,935

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
2024	No data	No data	No data	No data
2023	$4,494,883	$3,982,457	$5,268,468	$512,426
2022	$4,219,949	$3,891,849	$5,343,010	$328,100
2021	$3,411,547	$3,331,969	$4,466,273	$79,578
2020	$3,422,632	$3,478,337	$4,957,373	$-55,705
2019	$4,075,464	$3,580,421	$4,843,820	$495,043
2018	$3,631,465	$3,397,096	$4,421,431	$234,369