Columbiana County School Emp Cu
Nonprofit profile at a glance
- EIN
- 340869735
- IRS 990 coverage
- 2010–2025
- Forms available
- Form 990 2025
- Location
- Lisbon, OH, USA
- Phone
- 3304249649
- Rating confidence
- Limited
Reported finances
- Revenue
- $324,262
- Expenses
- $283,666
- Assets
- $6,315,096
- Liabilities
- $4,588,657
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
9 people listed
Executive titles in this filing
- ROBERT F MARRA (BOARD PRESIDENT)
- WAYNE CHRISTEN (BOARD VICE PRESIDENT)
Highest reported compensation
- JEANNETTE MARRA (RETIRED GENERAL MANAGER): $62,977 total reported compensation
- JESSICA THORNE (GENERAL MANAGER): $52,224 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
The purpose of this credit union shall be to promote thrift and to provide credit for its members.
What it reported doing in 2025
Provide reasonably priced financial and credit services to its members.
Operating model
- Revenue model
- Mixed. Its operating money came from several sources; no one source provided a clear majority.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 90
- Accountability: 79
- Sustainability: 58
- Growth: 0
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- 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: 100%; rating input score 100; 64th percentile among comparable filings
- Governance controls: 4 of 8 controls in place; rating input score 50
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: NotApplicable
- Other executive compensation review process: Fail
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 12.5%; rating input score 61; 61st percentile among comparable filings
- Total-asset coverage ratio: 22.26; rating input score 96; 96th percentile among comparable filings
- Liabilities to assets ratio: 0.73; rating input score 6; 6th percentile among comparable filings
- Officer compensation ratio: 40.6%; rating input score 6; 6th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: -0.6% per year; rating input score 0; 18th percentile among comparable filings
- Asset growth: -2.8% per year; rating input score 0; 13th percentile among comparable filings
Details
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 7 of 7 board members independent · 4 of 8 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $63K · 9 people listed
- Consistency: 10 of 10 current checks pass
- Schedules: 2 filed schedules
- Filing history: 15 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 2 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: 3 of 7 not reported.
- High — Growth: Revenue growth scored 0/100.
- High — Growth: Asset growth scored 0/100.
- High — Sustainability: Liabilities to assets ratio scored 6/100.
- High — Sustainability: Officer compensation ratio scored 6/100.