2024-10-29T16:15:20-05:00 2023-12-31 202122306 GBQ PARTNERS LLC 4030 SMITH ROAD SUITE 400 CINCINNATI OH 45209 990 2023-01-01 310546041 1307 DAY AIR CREDIT UNION 1307 9376432160 3501 WILMINGTON PIKE KETTERING OH 45429 DEANNA DAHLING VP OF FINANCE 9376432160 2024-10-29 1 1 KATHY M MOSELEY P00116760 5138713033 2024-10-29 2023 2024-10-15 13:58:12Z WILLIAM BURKE 3501 WILMINGTON PIKE KETTERING OH 45429 58211554 0 X WWW.DAYAIR.ORG X 1945 OH TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS 9 9 124 11 333902 0 525192 0 33731489 42116535 -144453 2883996 0 0 34112228 45000531 0 0 0 0 8339536 9114120 0 0 0 15145402 26152890 23484938 35267010 10627290 9733521 676371659 787679302 595081558 697563873 81290101 90115429 TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS 0 0 DAY AIR CREDIT UNION, INC., HEADQUARTERED IN KETTERING, OHIO, PROVIDESA BROAD RANGE OF FINANCIAL SERVICES TO ITS MEMBERS. THE CREDITUNION'S PRIMARY SERVICES INCLUDE GRANTING SECURED AND UNSECUREDCONSUMER AND REAL ESTATE LENDING AS WELL AS PROVIDING CHECKING ANDSAVINGS SERVICES. THE CREDIT UNION'S MEMBERS AND BRANCHES ARELOCATED THROUGHOUT THE KETTERING, OHIO AREA. 0 0 0 0 0 0 0 1 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 1 0 0 0 1 11690 0 1 124 1 1 1 0 0 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 0 1 1 0 1 1 1 1 1 1 1 1 1 1 0 X DEANNA DAHLING 9376432160 3501 WILMINGTON PIKE KETTERING OH 45429 MELISSA BAUER SECRETARY 1.00 X X 0 0 0 AL BERTLEFF VICE-CHAIRMAN 1.00 X X 0 0 0 TIM BROWN CHAIRMAN 1.00 X X 0 0 0 MALLORY COAKLEY DIRECTOR 1.00 X 0 0 0 BRIAN HAYES TREASURER 1.00 X X 0 0 0 CINDY LEBRUN DIRECTOR 1.00 X 0 0 0 PATSY MERCURI DIRECTOR 1.00 X 0 0 0 JOHN WECKESSER DIRECTOR 1.00 X 0 0 0 MAHA KASHANI DIRECTOR 1.00 X 0 0 0 WILLIAM BURKE CEO 40.00 X 591527 0 28408 JOHN THEOBALD CLO 40.00 X 251947 0 34705 JANNELL EICHSTAEDT CXO 40.00 X 247245 0 28597 DEANNA DAHLING VP OF FINANCE 40.00 X 190597 0 32243 LUKE NEFF FINANCIAL PLANNER 40.00 X 301402 0 35525 JOSH TODD DIRECTOR OF MORTGAGES 40.00 X 154907 0 8083 JOE ECKLEY DIRECTOR OF MARKETING 40.00 X 140992 0 29592 ZACH DIVER DIRECTOR OF IT 40.00 X 141681 0 28088 APRIL BOWMAN DIRECTOR OF HR 40.00 X 136144 0 14845 2156442 0 240086 9 0 1 0 NEWGROUND INTERNATIONAL PO BOX 6228 CAROL STREAM IL 601976228 BUILDING DESIGN 6026284 CUANSWERS 6000 28TH ST SE SUITE 100 GRAND RAPIDS MI 49546 CORE SYSTEM 1337720 ATM SOLUTIONS INC 551 NORTHLAND BLVD FOREST PARK OH 45240 ATM SERVICING 626029 DAYTON DRAGONS DAY AIR BALLPARK 220 N PATTERSON BL DAYTON OH 45402 MARKETING 546200 NEIGHBORHOOD MORTGAGE SOLUTIONS 975 N MAIN ST SUITE D FRANKENMUTH MI 48734 MORTGAGE SERVICING 249234 9 INTEREST ON LOANS 522100 32164167 32164167 FEE & OTHER INCOME 522100 8595551 8261649 333902 OTHER INCOME 522100 1356817 1356817 42116535 3000998 3000998 13094021 13065331 145692 28690 -145692 -117002 -117002 45000531 41782633 333902 2883996 1405270 6308352 239811 690508 470179 22951 86484 138068 1013814 822749 559651 17787 14173583 301083 88113 SERVICE & DATA PROCESSI 3864309 PROVISION FOR LOAN LOSS 2386580 LOAN SERVICE EXPENSE 1856487 OTHER EXPENSES 821231 35267010 X 6527689 1373149 256183 59266278 11340822 11633534 563008380 628799672 13999280 2715807 5762529 11283473 68117203 56471771 6292713 9393918 15066140 9457507 676371659 787679302 6744185 5466916 2179713 2362395 17856022 48580997 568301638 641153565 595081558 697563873 X 0 0 0 0 81290101 90115429 81290101 90115429 676371659 787679302 X 9733521 381420 -1289613 X 0 1 X 1 0 0 1 X 1150376 1150376 10750742 1952190 8798552 2098162 763617 1334545 11283473 MEMBERS' SHARES & DEPOSITS 587881381 NONMEMBER DEPOSITS 53272184 641153565 X PART IV, LINE 2B: THE CREDIT UNION COLLECTS A MONTHLY AMOUNT ALONG WITH PRINCIPAL AND INTEREST FOR FIRST MORTGAGE LOANS TO PAY THE MEMBER'S REAL ESTATE TAXES AND INSURANCE. PART X, LINE 2: THE CREDIT UNION ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ITS CONSOLIDATED FINANCIAL STATEMENTS AS REQUIRED UNDER FASB ASC, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. THE STANDARD PRESCRIBES A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE STANDARD ALSO PROVIDES GUIDANCE ON DE-RECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE AND TRANSITION ACCOUNTING. MANAGEMENT DETERMINED THERE WERE NO MATERIAL UNCERTAIN POSITIONS TAKEN BY THE CREDIT UNION IN ITS TAX RETURNS. X 1 1 X X X X X X 0 1 0 WILLIAM BURKE CEO 491527 0 100000 0 0 0 13500 0 14908 0 619935 0 0 0 LUKE NEFF FINANCIAL PLANNER 33918 0 5000 0 262484 0 13500 0 22025 0 336927 0 0 0 JOHN THEOBALD CLO 191947 0 60000 0 0 0 12543 0 22162 0 286652 0 0 0 JANNELL EICHSTAEDT CXO 187245 0 60000 0 0 0 12917 0 15680 0 275842 0 0 0 DEANNA DAHLING VP OF FINANCE 145597 0 45000 0 0 0 10081 0 22162 0 222840 0 0 0 JOE ECKLEY DIRECTOR OF MARKETING 113992 0 27000 0 0 0 7430 0 22162 0 170584 0 0 0 ZACH DIVER DIRECTOR OF IT 123181 0 18500 0 0 0 7317 0 20771 0 169769 0 0 0 JOSH TODD DIRECTOR OF MORTGAGES 116306 0 31171 0 7430 0 7755 0 328 0 162990 0 0 0 APRIL BOWMAN DIRECTOR OF HR 109144 0 27000 0 0 0 6973 0 7872 0 150989 0 0 0 PART I, LINE 1A TRAVEL FOR COMPANIONS IS PROVIDED TO THE CEO AND BOARD OF DIRECTORS TO FURTHER THE BUSINESS ACTIVITIES OF THE CREDIT UNION. INCOME IS REPORTED TO THE INDIVIDUALS RECEIVING THE BENEFIT ON THE APPLICABLE FORMS WHEN REQUIRED. PART I, LINE 4B CERTAIN KEY OFFICERS PARTICIPATE IN A 457(F) PLAN. DURING 2023 NO PAYMENTS WERE MADE OUT OF THE 457(F) PLAN. WILLIAM BURKE CEO SPLIT DOLLAR LIFE INSURANCE X 5750202 5751589 0 1 1 DEANNA DAHLING VP OF FINANCE SPLIT DOLLAR LIFE INSURANCE X 763420 807189 0 1 1 JOHN THEOBALD CLO SPLIT DOLLAR LIFE INSURANCE X 1216177 1285902 0 1 1 JANNELL EICHSTAEDT CXO SPLIT DOLLAR LIFE INSURANCE X 3599932 3788854 0 1 1 11633534 FORM 990, PART VI, SECTION A, LINE 6 MEMBERSHIP IS OPEN TO ANYONE WHO LIVES, WORKS, WORSHIPS OR ATTENDS SCHOOL IN MONTGOMERY, GREENE, WARREN, BULTER, CLARK, CHAMPAIGN, DARKE, PREBLE, AND MIAMI COUNTIES IN OHIO AS DESCRIBED IN THE ORGANIZATIONS BYLAWS AND COMMUNITY CHARTER. FORM 990, PART VI, SECTION A, LINE 7A THE BOARD OF DIRECTORS IS THE GOVERNING BODY AND CONSISTS OF NINE DIRECTORS. NINE BOARD MEMBERS ARE ELECTED AT THE ANNUAL MEETING HELD IN APRIL. FORM 990, PART VI, SECTION B, LINE 11B THE BOARD OF DIRECTORS RECEIVE A COPY OF THE 990 PRIOR TO FILING WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C THE BOARD OF DIRECTORS ARE REQUIRED TO COMPLETE AN ANNUAL CONFLICT OF INTEREST DISCLOSURE. IF A CONFLICT OF INTEREST DOES ARISE THE INDIVIDUAL WITH A CONFLICT IS RECUSED FROM THE DISCUSSION AND VOTING ON THE ISSUE. IF A CONFLICT HAPPENS DURING THE YEAR IT IS THE RESPONSIBLITITY OF THE INDIVIDUAL TO COMMUNICATE THE CONFLICT TO THE APPROPRIATE STAFF. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION OF THE CEO IS REVIEWED ANNUALLY BY THE BOARD OF DIRECTORS AND SET USING COMPARABLE SURVEYS FROM THIRD PARTY INDEPENDENT CONSULTANTS. COMPENSATION FOR OTHER OFFICERS IS SET ANNUALLY BY MANAGEMENT USING COMPARABLE SALARY SURVEY DATA FROM THIRD PARTY INDEPENDENT CONSULTANTS. FORM 990, PART VI, SECTION C, LINE 19 FINANCIAL STATEMENTS ARE POSTED ON THE WEBSITE. ADDITIONALLY, FINANCIAL STATEMENTS AND GOVERNING DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART X: SOME PRIOR YEAR BALANCES HAVE BEEN RECLASSIFIED FOR PRESENTATION PURPOSES ONLY. FORM 990, PART XI, LINE 9: CUMULATIVE EFFECT -1,289,613. DAY AIR INSURANCE LLC 3501 WILMINGTON PIKE KETTERING OH 45429 463139477 INSURANCE OH 71036 175935 DAY AIR CU