Skip to content
Nonprofiteer
← All organizations

719 EMERALD CREDIT UNION

EIN 34-0835818 GARFIELD HEIGHTS, OH

Revenue 2025
$1,779,459
Expenses 2025
$2,087,759

Program services were 0.0% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
14
Classification
1000
Street
13201 GRANGER RD

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Group exemption

A subordinate covered by the group exemption of OHIO CHARTERED CREDIT UNIONS (EIN 23-7092827). matched by us

The IRS lists each organization's group exemption number; we match a subordinate to its central organization by that number and the affiliation code the IRS assigns.

Mission and programs · 2025

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.

  • 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.

As filed on the 2025 return. The filer continues this part on Schedule O, which is not shown here.

Officers and directors · 2025

As listed in Part VII of the 2025 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • LINDSAY ANDEXLER

    CEO

    Total calculated
    $123,810
    From this org
    $123,810
    From related orgs
    $0
    Other
    $0
    Hours/week
    40
  • JEFF LANZEN

    CLO

    Total calculated
    $87,574
    From this org
    $65,895
    From related orgs
    $0
    Other
    $21,679
    Hours/week
    40
  • BONNIE GALL

    CRO

    Total calculated
    $78,115
    From this org
    $70,807
    From related orgs
    $0
    Other
    $7,308
    Hours/week
    40
  • DONNA GALLAVAN

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • JAMES MARUNOWSKI

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • STANLEY PERRY

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • ROB ROUTSON

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • BETTY ROYCE

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • RICHARD STEFANKO

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. Earlier years are each on their own filing page.

Filings

  • 2025
    Revenue
    $1,779,459
    Expenses
    $2,087,759
    Contributions
    $87,798
    Grants paid
    $0
  • 2024
    Revenue
    $2,053,970
    Expenses
    $2,095,179
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $2,158,808
    Expenses
    $2,079,495
    Contributions
    $25,825
    Grants paid
    $0
  • 2022
    Revenue
    $2,281,022
    Expenses
    $1,780,103
    Contributions
    $283,755
    Grants paid
    $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $1,978,354
    Expenses
    $1,983,851
    Assets (EOY)
    $38,936,528
  • 2020 · 990

    Revenue
    $2,165,975
    Expenses
    $2,517,146
    Assets (EOY)
    $38,541,333
  • 2019 · 990

    Revenue
    $2,734,307
    Expenses
    $3,285,506
    Assets (EOY)
    $36,763,905
  • 2018 · 990

    Revenue
    $2,607,537
    Expenses
    $2,804,289
    Assets (EOY)
    $38,621,990
  • 2017 · 990

    Revenue
    $2,413,921
    Expenses
    $2,245,679
    Assets (EOY)
    $40,142,598
  • 2016 · 990

    Revenue
    $2,177,466
    Expenses
    $1,995,433
    Assets (EOY)
    $43,531,892
  • 2015 · 990

    Revenue
    $2,310,194
    Expenses
    $2,875,217
    Assets (EOY)
    $43,348,253
  • 2014 · 990

    Revenue
    $2,489,417
    Expenses
    $2,508,114
    Assets (EOY)
    $46,555,834
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $2,496,869
    Assets (EOY)
    $50,433,025
  • 2011 · 990

    Revenue
    not reported
    Expenses
    $2,649,083
    Assets (EOY)
    $48,706,338

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

  • 2023 COLLABORATIVE BSA SCHOOL BUNDLE, KNOCK OUT YOUR DELINQUENCIES, AND CERTIFICATION TO APPLY FOR COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION

  • 2022 COLLABORATIVE BSA SCHOOL BUNDLE, KNOCK OUT YOUR DELINQUENCIES, AND CERTIFICATION TO APPLY FOR COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 26 October 2026, for every organization at once. Returns through tax year 2025, the newest we have parsed for this organization.