THE OHIO EDUCATIONAL CREDIT UNION INC

EIN: 340153020

SEVEN HILLS, OH

Total Revenue
$8,284,121
Total Expenses
$7,314,419
Total Assets
$147,656,900
Net Assets
$8,689,091
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1933
Legal Domicile
OH
Principal Officer
JEROME VALCO
Phone
2166216296
Tax Period
2023-01-01 to 2023-12-31

THE OHIO EDUCATIONAL CREDIT UNION INC, founded in 1933, is a community nonprofit that reported $8.3M in total revenue in fiscal year 2023. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $7.3M left a modest 12% surplus.

Mission

THE OHIO EDUCATIONAL CREDIT UNION IS A FULL-SERVICE FINANCIAL INSTITUTION. OUR GOAL IS TO RECOGNIZE AND UNDERSTAND THE UNIQUE NEEDS OF OUR INDIVIDUAL MEMBERS AND TO FULFILL THOSE NEEDS THROUGH A VARIETY OF DIVERSIFIED PRODUCTS AND SERVICES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $7,243,880
Investment Income $1,040,241
Other Revenue $0
TOTAL REVENUE $8,284,121

Expense Breakdown

Grants Paid $0
Salaries & Benefits $2,920,947
Fundraising Expenses $0
Other Expenses $4,393,472
TOTAL EXPENSES $7,314,419

Year-over-Year Comparison

2023 2022 Change
Revenue $8,284,121 $7,227,495 +0.1%
Expenses $7,314,419 $6,642,384 +0.1%
Net Income $969,702 $585,111 +0.7%
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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Governance

Voting Members
8
Independent Members
8
Employees
47
Volunteers
8

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
3
$472,579
Total Directors
8
$1,750
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
TONY H SMITH SR BOARD PRESIDENT 10.00
Director
$1,000 $0 $1,000
JACKSON M BOYD BOARD VICE PRESIDENT 5.00
Director
$0 $0 $0
MARIO DANESE BOARD TREASURER 5.00
Director
$750 $0 $750
MYCHAEL HENDERSON BOARD SECRETARY 5.00
Director
$0 $0 $0
MARK BATES DIRECTOR 3.00
Director
$0 $0 $0
ROBERT W DOLAN DIRECTOR 3.00
Director
$0 $0 $0
MELODY PATTERSON DIRECTOR 3.00
Director
$0 $0 $0
PATRICK J POLEN DIRECTOR 3.00
Director
$0 $0 $0
JEROME R VALCO CEO 40.00
Officer
$170,313 $36,200 $206,513
SARAH L JANKOVIC CFO 40.00
Officer
$106,931 $25,466 $132,397
ANTHONY TOY CHIEF RETAIL SERVICES OFFI 40.00
Officer
$128,694 $4,975 $133,669
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 $8,284,121 $7,314,419 $147,656,900 $969,702
2022 $7,227,495 $6,642,384 $155,162,928 $585,111
2021 $6,516,857 $6,430,629 $152,807,950 $86,228
2020 $6,640,072 $6,902,341 $140,236,699 $-262,269
2019 $7,676,154 $7,544,636 $123,225,993 $131,518
2018 $7,298,012 $7,730,530 $122,878,179 $-432,518
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