Civic Intelligence

Soundview Financial Credit Union

EIN 06-1029943 • 501(c)14 • Bethel, CT

Profile

SVFCUs mission is to serve our members as the best-in-class provider of consumer financial services. We will fulfill our mission by placing a high value on customer satisfaction, quality service, full service delivery and continued credit union stability.

14 Research DrBethel, CT 06801

www.soundviewfcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

65th percentile

0.89x

Higher debt load relative to assets than 65% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

44th percentile

15.25x

Higher debt load relative to revenue than 44% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

72nd percentile

18%

Higher net margin than 72% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

6th percentile

$0

Higher top officer pay than 6% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

7th percentile

-5.4%

Faster asset growth than 7% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

99th percentile

49%

Faster revenue growth than 99% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets65th percentile

Assets

Down

$70,316,879

Down $4,024,963 (-5.4%) from 2023

Liabilities

Down

$62,619,862

Down $4,780,622 (-7.1%) from 2023

Net Assets

Up

$7,697,017

Up $755,659 (+11%) from 2023

Operations
Liabilities / Revenue44th percentileNet Margin72nd percentile

Revenue

Up

$4,107,488

Up $1,349,278 (+49%) from 2023

Expenses

Up

$3,351,829

Up $661,652 (+25%) from 2023

Net Income

Up

$755,659

Up $687,626 (+1011%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth7th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$80M$60M$40M$20M$0Assets 2011: $30,066,059Liabilities 2011: $25,911,743Net Assets 2011: $4,154,3162011Assets 2012: $30,839,448Liabilities 2012: $26,862,896Net Assets 2012: $3,976,5522012Assets 2013: $30,174,635Liabilities 2013: $26,344,931Net Assets 2013: $3,829,7042013Assets 2014: $32,490,140Liabilities 2014: $28,485,479Net Assets 2014: $4,004,6612014Assets 2015: $32,854,055Liabilities 2015: $28,742,590Net Assets 2015: $4,111,4652015Assets 2016: $32,668,997Liabilities 2016: $28,521,689Net Assets 2016: $4,147,3082016Assets 2017: $33,101,122Liabilities 2017: $28,877,479Net Assets 2017: $4,223,6432017Assets 2018: $34,716,305Liabilities 2018: $30,315,498Net Assets 2018: $4,400,8072018Assets 2019: $36,872,564Liabilities 2019: $32,377,422Net Assets 2019: $4,495,1422019Assets 2020: $41,766,468Liabilities 2020: $37,197,248Net Assets 2020: $4,569,2202020Assets 2021: $46,634,807Liabilities 2021: $42,007,235Net Assets 2021: $4,627,5722021Assets 2022: $43,834,356Liabilities 2022: $39,110,300Net Assets 2022: $4,724,0562022Assets 2023: $74,341,842Liabilities 2023: $67,400,484Net Assets 2023: $6,941,3582023Assets 2024: $70,316,879Liabilities 2024: $62,619,862Net Assets 2024: $7,697,0172024

Highlighted filing

2024

Assets$70,316,879
Liabilities$62,619,862
Net Assets$7,697,017
Open 2024 Filing

Operations Trend

Revenue Growth99th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MRevenue 2011: $1,558,625Expenses 2011: $1,613,913Net Income 2011: -$55,2882011Revenue 2012: $1,419,610Expenses 2012: $1,597,374Net Income 2012: -$177,7642012Revenue 2013: $1,366,945Expenses 2013: $1,513,793Net Income 2013: -$146,8482013Revenue 2014: $1,351,087Expenses 2014: $1,181,306Net Income 2014: $169,7812014Revenue 2015: $1,351,676Expenses 2015: $1,244,872Net Income 2015: $106,8042015Revenue 2016: $1,444,268Expenses 2016: $1,408,425Net Income 2016: $35,8432016Revenue 2017: $1,493,285Expenses 2017: $1,416,950Net Income 2017: $76,3352017Revenue 2018: $1,667,535Expenses 2018: $1,490,371Net Income 2018: $177,1642018Revenue 2019: $1,753,355Expenses 2019: $1,659,020Net Income 2019: $94,3352019Revenue 2020: $1,605,676Expenses 2020: $1,531,598Net Income 2020: $74,0782020Revenue 2021: $1,495,527Expenses 2021: $1,437,175Net Income 2021: $58,3522021Revenue 2022: $1,675,515Expenses 2022: $1,579,031Net Income 2022: $96,4842022Revenue 2023: $2,758,210Expenses 2023: $2,690,177Net Income 2023: $68,0332023Revenue 2024: $4,107,488Expenses 2024: $3,351,829Net Income 2024: $755,6592024

Highlighted filing

2024

Revenue$4,107,488
Expenses$3,351,829
Net Income$755,659
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$70,316,879
Liabilities
$62,619,862
Net assets
$7,697,017
Revenue
$4,107,488
Expenses
$3,351,829
Net income
$755,659
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$70.3$62.6$7.70$4.11$3.35$0.76
2023Detailed filing. Detailed filing data is available for this year.$74.3$67.4$6.94$2.76$2.69$0.07
2022Detailed filing. Detailed filing data is available for this year.$43.8$39.1$4.72$1.68$1.58$0.10
2021Detailed filing. Detailed filing data is available for this year.$46.6$42.0$4.63$1.50$1.44$0.06
2020Detailed filing. Detailed filing data is available for this year.$41.8$37.2$4.57$1.61$1.53$0.07
2019Detailed filing. Detailed filing data is available for this year.$36.9$32.4$4.50$1.75$1.66$0.09
2018Detailed filing. Detailed filing data is available for this year.$34.7$30.3$4.40$1.67$1.49$0.18
2017Detailed filing. Detailed filing data is available for this year.$33.1$28.9$4.22$1.49$1.42$0.08
2016Detailed filing. Detailed filing data is available for this year.$32.7$28.5$4.15$1.44$1.41$0.04
2015Detailed filing. Detailed filing data is available for this year.$32.9$28.7$4.11$1.35$1.24$0.11
2014Detailed filing. Detailed filing data is available for this year.$32.5$28.5$4.00$1.35$1.18$0.17
2013Detailed filing. Detailed filing data is available for this year.$30.2$26.3$3.83$1.37$1.51$0.15
2012Summary only. Only limited summary data is available for this year.$30.8$26.9$3.98$1.42$1.60$0.18
2011Summary only. Only limited summary data is available for this year.$30.1$25.9$4.15$1.56$1.61$0.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 2, 2025
Return Version
2024v5.1
Gross Receipts
$4,107,488
Mission and Program Overview

Mission

SVFCUs mission is to serve our members as the best-in-class provider of consumer financial services. We will fulfill our mission by placing a hight value on customer satisfaction, quality service, full service delivery and continued credit union stability.

SVFCUs mission is to serve our members as the best-in-class provider of consumer financial services. We will fulfill our mission by placing a high value on customer satisfaction, quality service, full service delivery and continued credit union stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$44,527,295$40,552,638▼ $3,974,657
Investments Program Related$25,851,934$24,705,359▼ $1,146,575
Rtn Earn Endowment Incm Other Fnds$6,293,660$7,049,319▲ $755,659
Savings and Temporary Cash Investments$915,938$1,913,998▲ $998,060
Receivables From Officers Etc$302,881$752,592▲ $449,711
Pd in Cap Srpls Land Bldg Eqp Fund$647,698$647,698→ $0
Land, Buildings, and Equipment, Net$420,356$508,427▲ $88,071
Cash and Non-Interest-Bearing Accounts$532,857$383,209▼ $149,648
Prepaid Expenses and Deferred Charges$112,789$78,259▼ $34,530
Total Assets$74,341,842$70,316,879▼ $4,024,963
Other Assets Total$1,677,792$1,422,397▼ $255,395
Liabilities
Other Liabilities$65,952,432$62,334,312▼ $3,618,120
Accounts Payable and Accrued Expenses$1,448,052$285,550▼ $1,162,502
Total Liabilities$67,400,484$62,619,862▼ $4,780,622
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,941,358$7,697,017▲ $755,659
Total Liabilities and Net Assets / Fund Balance$74,341,842$70,316,879▼ $4,024,963

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$404,181$503,387$907,568
Leasehold Improvements$104,246$230,542$334,788
Investment Program Related Org$204,981--
Compensation and Service Providers
Top Officer Pay6th percentile

Board Members and Trustees

NameTitle
Maciej MilewskiChairperson
Sabrina DeFazioPresident
Heidi SztankoVice President Finance & IT
Lisa ArcontiVice President Member Care
Alyssa AngurioDirector
Frederick KarratDirector
Gina RamosDirector
Leo WhiteDirector
RuthAnne SalvatoreDirector
Chris DePalmaSecretary
Andrew BardTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,131,500
Investment Income
$975,988
Other Revenue
$0
Change in Net Assets
$755,659
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,955,727
Salaries, Compensation, and Employee Benefits$1,396,102
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$627,519--$627,519
Other Expenses$535,808--$535,808
Interest$407,849--$407,849
Current Officers, Directors, Trustees, and Key Employees$285,271$95,090-$380,361
Other Employee Benefits$246,421$21,806-$268,227
Advertising$184,074--$184,074
Information Technology$168,334--$168,334
Occupancy$114,730--$114,730
Payroll Taxes$93,823$7,229-$101,052
Depreciation Depletion$86,149--$86,149
Fees for Services Other$74,589--$74,589
Office Expenses$70,261--$70,261
Insurance$40,860--$40,860
Fees for Services Accounting$36,483--$36,483
All Other Expenses$26,739--$26,739
Pension Plan Contributions$17,356$1,587-$18,943
Fees for Services Legal$10,812--$10,812
Conferences and Meetings$2,467--$2,467
Travel$660--$660
Total Functional Expenses$3,226,117$125,712$0$3,351,829
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$302,881$752,592▲ $449,711
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$29,612,409
Share Drafts$19,032,889
Share Certificates$5,086,704
Money Markets$4,704,098
IRA accounts$2,655,398
Club accounts$1,242,814
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“All Credit Union account holders are considered members by virtue of having at least $25 in a share (savings) account.”

Member election for additional members Part VI line 7A

“Each year at the Credit Unions annual meeting, all members are invited to participate in the election of Board members and director positions up for election. Participation includes nominating priviledges and voting rights.”

Governing body decisions Part VI line 7B

“As per answer to line 7a above, members vote determines fiduciary responsibilities of Credit union Directors and Board members.”

Form 990 governing body review Part VI line 11

“Form 990 provided upon request”

CEO executive director top management comp Part VI line 15A

“Full Board determines CEO compensation”

Other officer or key employee compensation Part VI line 15B

“Full Board determines officer compensation”

Governing documents etc available to public Part VI line 19

“Monthly financials posted in main branch lobby. Also available upon request and on the NCUA website.”

Statement of Revenue Part VIII

“Revenue and expenses are higher than prior years due to the merger of western connecticut federal credit union (wcfcu) into soundview financial credit union (svfcu) on july 1, 2023. The prior year return encompassed 6 months of wcfcu income and expenses while the currect year return includes a full year in form 990 and 990-t for albright cu (name change in 2024).”

Filing and Contact Details

Filer

Filer Name
Albright Credit Union
EIN
06-1029943
In Care Of
% Heidi Sztanko
Phone
2037964500
Address
14 Research Dr, Bethel, CT 06801

Signing Officer

Name
Heidi Sztanko
Title
Vice President Finance & IT
Phone
2037964500
Signed
2025-05-02

Organization Details

Principal Officer
Sabrina DeFazio
Formed
1980
Legal Domicile
Ct
Voting Board Members
9
Independent Board Members
8
Employees
14
Volunteers
9
Supplemental Narrative

Additional Explanations

List of other fees for services expenses Part IX line 11G

“Amount includes all outside services from various vendors including credit and debit card servicing, legal services, collection services among others.”

Raw XML AppendixShowing 400 of 550 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/PersonNm6Gina Ramos
IRS990/Form990PartVIISectionAGrp/PersonNm7Alyssa Angurio
IRS990/Form990PartVIISectionAGrp/PersonNm8Heidi Sztanko
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Vice President Finance & IT
IRS990/Form990PartVIISectionAGrp/TitleTxt9President
IRS990/Form990PartVIISectionAGrp/TitleTxt10Vice President Member Care
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IRS990/ProgSrvcAccomActy2Grp/Desc0Provide tangentle financial services for the convenience of SVFCU members. This includes access to reduced insurance premiums, utility discounts, movie ticket discounts and other offerings.
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IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CERTIFICATES OF DEPOSIT CD
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Auto Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Second Mortgage
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Auto Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Credit Card

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