Nonprofit · EIN 34-0835818
719 EMERALD CREDIT UNION
Tax-exempt · GARFIELD HEIGHTS, OH 44125
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $1,779,459 | $2,087,759 | -$308,300 | $32,238,605 | $29,261,933 | $2,976,672 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $87,798
- of which government grants
- $87,798
- Program service revenue
- $1,620,223
- Investment income
- $71,363
- Net gain from sales of assets
- -$269,648
- Other revenue
- $75
Expenses
- Grants and similar amounts paid
- $0
- Benefits paid to members
- $111,919
- Compensation of officers, directors and key employees
- $260,512
- Other salaries and wages
- $458,955
- Salaries, compensation and benefits (total)
- $847,134
- Professional fundraising fees
- $0
- Legal fees
- $2,200
- Accounting fees
- $32,267
- Occupancy
- $88,912
- Travel
- $1,967
- Depreciation
- $9,072
Balance sheet and other
- Total assets, start of year
- $33,932,146
- Total assets, end of year
- $32,238,605
- Total liabilities, end of year
- $29,261,933
- Net assets, end of year
- $2,976,672
- Land, buildings and equipment
- $41,352
- Publicly traded securities
- $12,293
- Gross receipts
- $2,282,476
- Employees
- 13
- Volunteers
- 6
- Year formed
- 1955
- State of legal domicile
- OH
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| LINDSAY ANDEXLER | CEO Officer | 40 | $123,810 | $0 |
| JEFF LANZEN | CLO Officer | 40 | $65,895 | $21,679 |
| BONNIE GALL | CRO Officer | 40 | $70,807 | $7,308 |
| DONNA GALLAVAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JAMES MARUNOWSKI | DIRECTOR Trustee or director | 1 | $0 | $0 |
| STANLEY PERRY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ROB ROUTSON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| BETTY ROYCE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| RICHARD STEFANKO | DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 13201 GRANGER RD, GARFIELD HEIGHTS, OH 44125-1978
- Principal officer (990 for 2025)
- LINDSAY ANDEXLER, 13201 GRANGER ROAD SUITE 1, CLEVELAND, OH 44125
- Signed the 990
- LINDSAY ANDEXLER, CEO
- Phone
- (216) 365-1010
- Return prepared by
- WAVERLY BUSINESS SERVICES
Mission
TO PROVIDE LENDING, SAVINGS, AND OTHER FINANCIAL SERVICES TO ITS QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THAN AVAILABLE IN THE MARKETPLACE AND WITH A SERVICE-BASED EMPHASIS THAT RECOGNIZES THE MEMBERS' STATUS AS OWNERS.
Program accomplishments
- DIVIDENDS AND INTEREST PAID TO MEMBERS ON APPROXIMATELY 6,457 DEPOSIT ACCOUNTS HELD BY APPROXIMATELY 3,474 MEMBERS.
- DIRECT LABOR AND EMPLOYEE BENEFIT COSTS INCURRED PROVIDING SAVINGS DEPOSIT SERVICES, ORIGINATING NEW LOANS AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS.
- PROVISION FOR LOAN LOSS EXPENSE FOR MEMBER LOANS.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 34-0835818
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1969
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 1990: OHIO CHARTERED CREDIT UNIONS
- Assets (IRS master file)
- $32,238,605
- Income (IRS master file)
- $2,282,476
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | – | – | – | IRS |
| 990 | December 2024 | – | – | – | IRS |
| 990 | December 2023 | $2,158,808 | $2,079,495 | $34,824,427 | IRS |
| 990 | December 2022 | $2,281,022 | $1,780,103 | $37,818,210 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS publishes only the latest e-Postcard per organization; earlier years appear here as 990.tax collects the monthly files. 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS.
Questions about 719 EMERALD CREDIT UNION
- What is the EIN of 719 EMERALD CREDIT UNION?
- The employer identification number (EIN) of 719 EMERALD CREDIT UNION is 34-0835818.
- Is 719 EMERALD CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1969.
- Are donations to 719 EMERALD CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does 719 EMERALD CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of 719 EMERALD CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did 719 EMERALD CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of 719 EMERALD CREDIT UNION?
- The 990 for the year ended December 31, 2025 names LINDSAY ANDEXLER.
- Who are the officers and directors of 719 EMERALD CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 9 people; 3 received compensation from the organization, the highest $123,810 (LINDSAY ANDEXLER, CEO).
- How much revenue does 719 EMERALD CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $1,779,459, expenses of $2,087,759 and total assets of $32,238,605 at year end.
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