St. James Parish Credit Union

Legal name: 281 St James Parish Credit Union Inc

Nonprofit profile at a glance

EIN
316033713
IRS 990 coverage
2019–2025
Official website data refreshed
Sep 2026
Forms available
Form 990 2025
Location
Cincinnati, OH, United States
Phone
(513) 385-5921
Rating
83
Verdict
STRONG
Rating confidence
Moderate
Affiliation
Christianity

Official website

Reported finances

Revenue
$365,396
Expenses
$324,756
Assets
$5,956,257
Liabilities
$4,709,188

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

12 people listed

Executive titles in this filing

  • RICHARD BETSCH (DIRECTOR PRESIDENT)
  • PATRICK MEEHAN (DIRECTOR VICE PRESIDENT)

Highest reported compensation

  • DEBBIE SCHUSTER (MANAGER): $50,252 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

To provide lending, savings, and other financial services to qualifying members at terms generally better than available in the market, with a service-based emphasis. We have been serving Parishioners of St. James Parish for nearly 80 years! Here are just a few of the differences between a CREDIT UNION versus a BANK and a SAVINGS & LOAN. Our goal is provide the highest level of service to our members. Privacy Policy | Accessibility Statement | Site Map APR = ANNUAL PERCENTAGE RATE. RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED. WE PROVIDE LINKS TO THIRD PARTY PARTNERS, INDEPENDENT FROM ST. JAMES PARISH CREDIT UNION. THESE LINKS ARE PROVIDED ONLY AS A CONVENIENCE. WE DO NOT MANAGE THE CONTENT OF THOSE SITES. THE PRIVACY AND SECURITY POLICIES OF EXTERNAL WEBSITES WILL DIFFER FROM THOSE OF ST.

What it reported doing in 2025

To provise lending and savings and other fianancial services to its qualifying members at terms generally better then avalible in the market place and with service based emphasis the recognized the member

Operating model

Revenue model
Other-operating. 74% of the money available for current operations came from other operating revenue.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filing-based governance responses are negative or unanswered and assets have declined or grown slowly.

Rating breakdown

  • Financial Efficiency: 84
  • Transparency & Controls: 90
  • Accountability: 77
  • Sustainability: 58
  • Growth: 80

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 91.8%; rating input score 92
  • Program expense ratio: 100%; rating input score 100
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 81.8%; rating input score 82; 24th percentile among comparable filings
  • Governance controls: 5 of 7 controls in place; rating input score 71
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 11.1%; rating input score 58; 58th percentile among comparable filings
  • Total-asset coverage ratio: 18.34; rating input score 95; 95th percentile among comparable filings
  • Liabilities to assets ratio: 0.79; rating input score 5; 5th percentile among comparable filings
  • Officer compensation ratio: 15.5%; rating input score 22; 22nd percentile among comparable filings

Growth

  • Program expense growth: 5.4% per year; rating input score 100; 52nd percentile among comparable filings
  • Revenue growth: 6.1% per year; rating input score 100; 53rd percentile among comparable filings
  • Asset growth: -0.3% per year; rating input score 0; 21st percentile among comparable filings

Details

  • What they do: 1 programs and campaigns described on the official site · 1 operating location identified
  • Where the money goes: 91.8% of revenue deployed · 100% of spending went to programs
  • Governance: 9 of 11 board members independent · 5 of 7 filing controls reported
  • Programs: 3 filed program accomplishments · $325K in reported program spending
  • Leadership: top reported pay $50K · 12 people listed
  • Consistency: 30 of 30 current checks pass
  • Schedules: 3 filed schedules
  • Filing history: 7 filing years from 2019 to 2025
  • Contacts: How to reach this organization
  • Money network: 3 filed money-flow records
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Review — Accountability: Governance controls: Independent financial-statement audit not reported.
  • High — Growth: Asset growth scored 0/100.
  • Review — Sustainability: Operating margin scored 58/100.
  • High — Sustainability: Liabilities to assets ratio scored 5/100.
  • High — Sustainability: Officer compensation ratio scored 22/100.