42 Kemba Credit Union Inc
501(c)(14)
Only null% goes to programs Strong reserves Growing revenue
42 Kemba Credit Union Inc is a 501(c)(14) organization based in West Chester, Ohio, registered in 1969, with $100,593,597 in FY2024 revenue. CharityIndex grades it A.
5600 Chappell Crossing Blvd, West Chester, OH, 45069 EIN 31-6034125 Since 1969
Revenue (FY2024)
$100.6M
▲ 22.2% vs prior year
Expenses (FY2024)
$90.4M
Net assets
$185.4M
Employees
347
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
A
—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for 42 Kemba Credit Union Inc— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
AFinancial health25% of the rating25 mo reserves · +10% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For 42 Kemba Credit Union Inc: 25 mo reserves · +10% margin earns a A on this criterion. See the exact thresholds →
A+Governance25% of the rating6 of 6 checks met
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. For 42 Kemba Credit Union Inc: 6 of 6 checks met earns a A+ on this criterion. See the exact thresholds →
BTransparency10% of the rating3 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For 42 Kemba Credit Union Inc: 3 of 5 disclosure signals earns a B on this criterion. See the exact thresholds →
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Mission
Provide financial services to its members.
Contact & location
- Address
- 5600 Chappell Crossing Blvd, West Chester, OH, 45069
- City
- West Chester
- State
- Ohio
- Category
- —
- Subcategory
- —
- Phone
- …
- Website
- …
Financial trends
Revenue grew from $29.1M (FY2013) to $100.6M (FY2024) across 12 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $1.6BNet assets $185.4M
Operating margin
10.2%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$1.8B
Total liabilities
$1.6B
Net assets
$185.4M
Salaries & benefits
$23.2M
26% of expenses
Board members
9
8 independent
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $100,593,597▲22.2% | $90,370,208▲17.8% | $185,439,448▲8.0% | $1,800,713,499▲10.8% | 990 |
| 2023 | $82,349,712▲24.1% | $76,698,966▲52.0% | $171,717,090▲3.5% | $1,625,351,193▲0.9% | 990 |
| 2022 | $66,359,307▲11.2% | $50,443,868▲18.4% | $165,853,549▲11.5% | $1,611,175,939▲15.4% | 990 |
| 2021 | $59,675,729▲9.7% | $42,592,595▼0.7% | $148,757,429▲17.7% | $1,395,836,820▲18.5% | 990 |
| 2020 | $54,406,776▲5.0% | $42,885,041▲2.8% | $126,410,328▲8.5% | $1,178,253,797▲15.3% | 990 |
| 2019 | $51,808,067▲13.2% | $41,705,465▲14.0% | $116,480,674▲9.3% | $1,022,189,646▲8.0% | 990 |
| 2018 | $45,751,362▲17.2% | $36,568,416▲17.2% | $106,559,861▲6.4% | $946,573,919▲11.1% | 990 |
| 2017 | $39,048,851▲14.5% | $31,196,397▲13.2% | $100,166,205▲9.8% | $851,740,945▲10.2% | 990 |
| 2016 | $34,106,676▲4.1% | $27,564,524▲5.8% | $91,192,878▲7.5% | $772,745,664▲2.7% | 990 |
| 2015 | $32,761,376▲8.8% | $26,056,195▲12.8% | $84,827,977▲8.6% | $752,173,340▲12.7% | 990 |
| 2014 | $30,105,287▲3.3% | $23,105,770▼1.6% | $78,122,796▲3.8% | $667,521,030▲19.1% | 990 |
| 2013 | $29,146,533 | $23,487,991▼5.3% | $75,256,597▲10.5% | $560,622,067▲0.7% | 990 |
| 2012 | — | $24,793,178▲6.2% | $68,089,726▲3.0% | $556,590,288▲6.4% | 990 |
| 2011 | — | $23,342,552▲1.5% | $66,134,534▲7.0% | $522,895,848▲13.1% | 990 |
| 2010 | — | $22,994,190 | $61,794,614 | $462,497,285 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Leadership & compensation (FY2024)
Highest-paid: Daniel Sutton — $1,084,098 (1.20% of total expenses)
| Name | Title | Hours/week | Compensation |
|---|---|---|---|
| Daniel Sutton | President | 40 | $1,084,098 |
| Daniel Schroer | Chief Financial Officer | 40 | $386,097 |
| Duane Stacklin | Chief Lending Officer | 40 | $374,539 |
| Amy Daniels | Chief Resource Officer | 40 | $299,966 |
| Ryon Brubaker | Chief Technology Officer | 40 | $296,598 |
| Dennis Wander | Indirect Lending Manager | 40 | $234,120 |
| Joseph Hutson | General Counsel | 40 | $221,367 |
| James Malott | Director of Mortgage Services | 40 | $167,641 |
| Kristyn Dix | Vp of Corporate Learning & Development | 40 | $166,558 |
| Michael Cox | Vp of Appraisal Management Co. | 40 | $159,822 |
| Bruce Raines | Director | 0 | — |
| David Hanna | Director | 0 | — |
| Deborah Davis | Secretary | 0 | — |
| Jeremy Black | Director | 0 | — |
| Jerome Ziegelmeier | Vice Chairman Board | 0 | — |
| Kathryn Asbrock | Director | 0 | — |
| Robert Weitzel | Director | 0 | — |
| Thomas Thole | Chairman of Board | 0 | — |
Top vendors & contractors (FY2022)
| Contractor | Services | Paid |
|---|---|---|
| Beth Yeary | Real Estate Agent | $284,528 |
| Sean Donovan | Real Estate Agent | $225,208 |
Grants received · $700K total
1 grant to 42 Kemba Credit Union Inc totaling $700K, reported by foundations on their Schedule I filings.
| Grantmaker | Purpose | Year | Amount |
|---|---|---|---|
| Jobsohio | Economic development | 2020 | $700,000 |
Frequently asked questions
- Is 42 Kemba Credit Union Inc a legitimate nonprofit?
- Yes. 42 Kemba Credit Union Inc is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 31-6034125, based in West Chester, Ohio.
- What is 42 Kemba Credit Union Inc's EIN?
- 42 Kemba Credit Union Inc's Employer Identification Number (EIN) is 31-6034125.
- How much revenue does 42 Kemba Credit Union Inc report?
- 42 Kemba Credit Union Inc reported $100,593,597 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does 42 Kemba Credit Union Inc have?
- CharityIndex grades 42 Kemba Credit Union Inc A, based on financial health (reserves and operating margin).
- How much does 42 Kemba Credit Union Inc's highest-paid employee make?
- The highest reported compensation on 42 Kemba Credit Union Inc's latest Form 990 is $1,084,098, paid to Daniel Sutton (President).
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Data for 42 Kemba Credit Union Inc (EIN 31-6034125) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.