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719 Emerald Credit Union

  • Garfield Hts, OH
  • Tax-exempt since April 1969
  • EIN: 34-0835818

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Details

According to its Dec. 2023 tax filing, this nonprofit:

Reported conflict of interest transactions
Organizations must report loans, grants or business transactions with interested parties, which may include key employees and officers, their family members and any businesses in which they hold a controlling interest. These transactions must be reported on Schedule L.

Summary charts: organization finances over time

Revenue
$2.16M (2023)

Expenses
$2.08M (2023)

Total Assets
$34.8M (2023)

Total Liabilities
$31.5M (2023)

Source: Form 990 tax filings from 2011 to 2023

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,158,808
Expenses
$2,079,495
Net Income
$79,313
Net Assets
$3,310,596
Notable Sources of Revenue Percent of Total Revenue
Contributions $25,825
1.2%
Program Services $1,850,594
85.7%
Investment Income $282,404
13.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$15
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $316,925
15.2%
Professional Fundraising Fees $0
Other Salaries and Wages $431,152
20.7%
Assets/Debt
Total Assets $34,824,427
Total Liabilities $31,513,831
Net Assets $3,310,596
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Wendy Driver (Ceo) $106,131 $0 $6,951
Lindsay Andexler (Ceo) $78,174 $0 $0
Bonnie Gall (Cro) $68,942 $0 $6,892
Jeff Lanzen (Clo) $63,678 $0 $20,133
Donna Gallavan (Director) $0 $0 $0
James Marunowski (Director) $0 $0 $0
Stanley Perry (Director) $0 $0 $0
Rob Routson (Director) $0 $0 $0
Betty Royce (Director) $0 $0 $0
Richard Stefanko (Director) $0 $0 $0
Karen Szarka (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on June 7, 2024

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,281,022
Expenses
$1,780,103
Net Income
$500,919
Net Assets
$3,485,644
Notable Sources of Revenue Percent of Total Revenue
Contributions $283,755
12.4%
Program Services $1,807,109
79.2%
Investment Income $190,686
8.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$528
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $320,689
18.0%
Professional Fundraising Fees $0
Other Salaries and Wages $413,407
23.2%
Assets/Debt
Total Assets $37,818,210
Total Liabilities $34,332,566
Net Assets $3,485,644
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Wendy Driver (Ceo) $106,978 $0 $7,412
Lindsay Andexler (Cfo) $77,690 $0 $0
Bonnie Gall (Cro) $69,314 $0 $9,041
Jeff Lanzen (Chief Lendin) $66,707 $0 $15,811
Donna Gallavan (Director) $0 $0 $0
James Marunowski (Director) $0 $0 $0
Stanley Perry (Director) $0 $0 $0
Rob Routson (Director) $0 $0 $0
Betty Royce (Director) $0 $0 $0
Richard Stefanko (Director) $0 $0 $0
Karen Szarka (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on July 17, 2023

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,978,354
Expenses
$1,983,851
Net Income
-$5,497
Net Assets
$3,015,209
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,854,686
93.7%
Investment Income $132,063
6.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$8,395
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $305,976
15.4%
Professional Fundraising Fees $0
Other Salaries and Wages $462,814
23.3%
Assets/Debt
Total Assets $38,936,528
Total Liabilities $35,921,319
Net Assets $3,015,209
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Wendy Driver (Ceo) $98,513 $0 $7,494
Lindsay Andexler (Cfo) $75,343 $0 $0
Bonnie Gall (Cro) $66,958 $0 $9,601
Jeff Lanzen (Chief Lendin) $65,162 $0 $15,373
Donna Gallavan (Director) $0 $0 $0
James Marunowski (Director) $0 $0 $0
Stanley Perry (Director) $0 $0 $0
Rob Routson (Director) $0 $0 $0
Betty Royce (Director) $0 $0 $0
Richard Stefanko (Director) $0 $0 $0
Karen Szarka (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Oct. 14, 2022

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,165,975
Expenses
$2,517,146
Net Income
-$351,171
Net Assets
$3,028,509
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,910,075
88.2%
Investment Income $255,900
11.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $321,561
12.8%
Professional Fundraising Fees $0
Other Salaries and Wages $594,583
23.6%
Assets/Debt
Total Assets $38,541,333
Total Liabilities $35,512,824
Net Assets $3,028,509
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Wendy Driver (Ceo) $102,881 $0 $5,501
Lindsay Andexler (Cfo) $78,566 $0 $1,243
Bonnie Gall (Cro) $70,875 $0 $6,116
Jeff Lanzen (Coo) $69,239 $0 $10,294
Donna Gallavan (Director) $0 $0 $0
James Marunowski (Director) $0 $0 $0
Stanley Perry (Director) $0 $0 $0
Rob Routson (Director) $0 $0 $0
Betty Royce (Director) $0 $0 $0
Richard Stefanko (Director) $0 $0 $0
Karen Szarka (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Aug. 25, 2021

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,734,307
Expenses
$3,285,506
Net Income
-$551,199
Net Assets
$3,376,179
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,390,327
87.4%
Investment Income $343,980
12.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $305,845
9.3%
Professional Fundraising Fees $0
Other Salaries and Wages $552,926
16.8%
Assets/Debt
Total Assets $36,763,905
Total Liabilities $33,387,726
Net Assets $3,376,179
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Wendy Driver (Ceo) $105,320 $0 $9,305
Lindsay Andexler (Cfo) $76,921 $0 $3,180
Bonnie Gall (Cro) $72,925 $0 $6,922
Jeff Lanzen (Coo) $50,679 $0 $7,005
Donna Gallavan (Director) $0 $0 $0
James Marunowski (Director) $0 $0 $0
Stanley Perry (Director) $0 $0 $0
Rob Routson (Director) $0 $0 $0
Betty Royce (Director) $0 $0 $0
Richard Stefanko (Director) $0 $0 $0
Karen Szarka (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Sept. 30, 2020

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,607,537
Expenses
$2,804,289
Net Income
-$196,752
Net Assets
$3,866,335
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,323,184
89.1%
Investment Income $284,353
10.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $244,823
8.7%
Professional Fundraising Fees $0
Other Salaries and Wages $618,363
22.1%
Assets/Debt
Total Assets $38,621,990
Total Liabilities $34,755,655
Net Assets $3,866,335
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Wendy Driver (Ceo) $103,480 $0 $9,154
Lindsay Andexler (Cfo) $72,696 $0 $7,913
Bonnie Gall (Cro) $68,647 $0 $7,034
Donna Gallavan (Director) $0 $0 $0
Stanley Perry (Director) $0 $0 $0
Rob Routson (Director) $0 $0 $0
Betty Royce (Director) $0 $0 $0
Richard Stefanko (Director) $0 $0 $0
Karen Szarka (Director) $0 $0 $0
Kelly Linson (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Sept. 9, 2019

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,413,921
Expenses
$2,245,679
Net Income
$168,242
Net Assets
$4,082,128
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,180,299
90.3%
Investment Income $233,622
9.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $156,008
6.9%
Professional Fundraising Fees $0
Other Salaries and Wages $679,770
30.3%
Assets/Debt
Total Assets $40,142,598
Total Liabilities $36,060,470
Net Assets $4,082,128
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Wendy Driver (Ceo) $92,008 $0 $9,310
Lindsay Andexler (Cfo) $64,000 $0 $8,013
Donna Gallavan (Director) $0 $0 $0
Stanley Perry (Director) $0 $0 $0
Rob Routson (Director) $0 $0 $0
Elizabeth O'donnell (Director) $0 $0 $0
Richard Stefanko (Director) $0 $0 $0
Karen Szarka (Director) $0 $0 $0
Kelly Linson (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Sept. 6, 2018

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,177,466
Expenses
$1,995,433
Net Income
$182,033
Net Assets
$3,968,473
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,987,990
91.3%
Investment Income $189,476
8.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $157,173
7.9%
Professional Fundraising Fees $0
Other Salaries and Wages $562,297
28.2%
Assets/Debt
Total Assets $43,531,892
Total Liabilities $39,563,419
Net Assets $3,968,473
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Wendy Driver (Ceo) $93,998 $0 $10,743
April Mcleod (Cfo) $33,798 $0 $3,430
Lindsay Andexler (Cfo) $29,377 $0 $1,909
Donna Gallavan (Director) $0 $0 $0
Stanley Perry (Director) $0 $0 $0
Rob Routson (Director) $0 $0 $0
Elizabeth O'donnell (Director) $0 $0 $0
Richard Stefanko (Director) $0 $0 $0
Karen Szarka (Director) $0 $0 $0
Kelly Linson (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 9, 2017

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,310,194
Expenses
$2,875,217
Net Income
-$565,023
Net Assets
$3,728,871
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,181,116
94.4%
Investment Income $129,078
5.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $159,428
5.5%
Professional Fundraising Fees $0
Other Salaries and Wages $677,139
23.6%
Assets/Debt
Total Assets $43,348,253
Total Liabilities $39,619,382
Net Assets $3,728,871
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Wendy Driver (Ceo) $91,665 $0 $10,482
April Mcleod (Cfo) $67,763 $0 $6,682
Donna Gallavan (Director) $0 $0 $0
Stanley Perry (Director) $0 $0 $0
Rob Routson (Director) $0 $0 $0
Elizabeth O'donnell (Director) $0 $0 $0
Richard Stefanko (Director) $0 $0 $0
Karen Szarka (Director) $0 $0 $0
Kelly Linson (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 3, 2016

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,489,417
Expenses
$2,508,114
Net Income
-$18,697
Net Assets
$4,296,087
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,370,643
95.2%
Investment Income $118,774
4.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $160,939
6.4%
Professional Fundraising Fees $0
Other Salaries and Wages $681,775
27.2%
Assets/Debt
Total Assets $46,555,834
Total Liabilities $42,259,747
Net Assets $4,296,087
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Wendy Driver (Ceo) $92,630 $0 $7,937
April Mcleod (Cfo) $68,309 $0 $5,090
Gerald Delooze (Director) $0 $0 $0
Stanley Perry (Director) $0 $0 $0
Bonnie Taylor (Director) $0 $0 $0
Elizabeth O'donnell (Director) $0 $0 $0
Richard Stefanko (Director) $0 $0 $0
Karen Szarka (Director) $0 $0 $0
Kelly Linson (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on July 16, 2015

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,568,000
Expenses
$2,666,240
Net Income
-$98,240
Net Assets
$4,325,787
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,392,408
93.2%
Investment Income $175,592
6.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $177,128
6.6%
Professional Fundraising Fees $0
Other Salaries and Wages $562,266
21.1%
Assets/Debt
Total Assets $49,254,083
Total Liabilities $44,928,296
Net Assets $4,325,787

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,568,121
Expenses
$2,496,869
Net Income
$71,252
Net Assets
$4,603,518
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,290,952
89.2%
Investment Income $277,169
10.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $139,617
5.6%
Professional Fundraising Fees $0
Other Salaries and Wages $701,905
28.1%
Assets/Debt
Total Assets $50,433,025
Total Liabilities $45,829,507
Net Assets $4,603,518

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,720,097
Expenses
$2,649,083
Net Income
$71,014
Net Assets
$4,439,199
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,436,822
89.6%
Investment Income $283,275
10.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $131,864
5.0%
Professional Fundraising Fees $0
Other Salaries and Wages $719,432
27.2%
Assets/Debt
Total Assets $48,706,338
Total Liabilities $44,267,139
Net Assets $4,439,199

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF
PDF (2 of 2)

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

API

The data powering this website is available programmatically, via an API. Read the API documentation »

Byline

By Andrea Suozzo, Alec Glassford and Ash Ngu, ProPublica, and Brandon Roberts, Special to ProPublica.
Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

Updated