Civic Intelligence

Sunmark Credit Union

990 • Fiscal year 2020 • EIN 14-1364933

Jan 01, 2020 to Dec 31, 2020 • Filed on Nov 15, 2021

Organization ProfileWWW.SUNMARK.ORG

View Organization Page

1187 Troy Schenectady RoadLatham, NY 12110

(866) 786-6275

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

91st percentile

0.92x

Higher debt load relative to assets than 91% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Liabilities / Revenue

7th percentile

12.46x

Higher debt load relative to revenue than 7% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Net Margin

93rd percentile

24%

Higher net margin than 93% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Top Officer Pay

59th percentile

$457,529

Higher top officer pay than 59% of similar nonprofits.

Top officer pay equals 0.7% of source-year revenue.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2020

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2020

Balance Sheet
Liabilities / Assets91st percentile

Assets

$920,109,210

No earlier filing loaded for comparison.

Net Assets

$71,844,506

No earlier filing loaded for comparison.

Liabilities

$848,264,704

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue7th percentileNet Margin93rd percentile

Revenue

$68,058,106

No earlier filing loaded for comparison.

Expenses

$52,021,198

No earlier filing loaded for comparison.

Net Income

$16,036,908

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$1.5B$1.0B$500M$0Assets 2020: $920,109,210Liabilities 2020: $848,264,704Net Assets 2020: $71,844,5062020Assets 2021: $1,009,786,367Liabilities 2021: $928,637,751Net Assets 2021: $81,148,6162021Assets 2022: $1,121,756,722Liabilities 2022: $1,037,211,765Net Assets 2022: $84,544,9572022Assets 2023: $1,157,564,809Liabilities 2023: $1,067,888,408Net Assets 2023: $89,676,4012023Assets 2024: $1,145,184,782Liabilities 2024: $1,048,544,640Net Assets 2024: $96,640,1422024

Highlighted filing

2020

Assets$920,109,210
Liabilities$848,264,704
Net Assets$71,844,506
Open 2020 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$80M$60M$40M$20M$0Revenue 2020: $68,058,106Expenses 2020: $52,021,198Net Income 2020: $16,036,9082020Revenue 2021: $61,777,524Expenses 2021: $54,806,633Net Income 2021: $6,970,8912021Revenue 2022: $62,452,442Expenses 2022: $58,231,926Net Income 2022: $4,220,5162022Revenue 2023: $72,882,778Expenses 2023: $67,569,889Net Income 2023: $5,312,8892023Revenue 2024: $78,480,506Expenses 2024: $72,671,788Net Income 2024: $5,808,7182024

Highlighted filing

2020

Revenue$68,058,106
Expenses$52,021,198
Net Income$16,036,908
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 15, 2021
Return Version
2020v4.1
Gross Receipts
$68,287,354
Mission and Program Overview

Mission

We work together to create value and enrich the lives of our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net-$707,213,655-
Savings and Temporary Cash Investments-$104,199,652-
Rtn Earn Endowment Incm Other Fnds$0$71,844,506▲ $71,844,506
Land, Buildings, and Equipment, Net$0$26,277,210▲ $26,277,210
Accounts Receivable-$22,857,953-
Cash and Non-Interest-Bearing Accounts-$11,548,071-
Investments Program Related-$4,477,457-
Prepaid Expenses and Deferred Charges-$2,887,926-
Intangible Assets-$81,375-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$0$920,109,210▲ $920,109,210
Other Assets Total$0$40,565,911▲ $40,565,911
Liabilities
Other Liabilities$0$831,512,962▲ $831,512,962
Unsecured Notes Loans Payable-$9,719,735-
Accounts Payable and Accrued Expenses-$7,013,208-
Mortgage Notes Payable Secured by Investment Property-$18,799-
Total Liabilities$0$848,264,704▲ $848,264,704
Net Assets / Fund Balance
Total Net Assets Fund Balance$0$71,844,506▲ $71,844,506
Total Liabilities and Net Assets / Fund Balance$0$920,109,210▲ $920,109,210

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$14,521,502$4,010,071$18,531,573
Equipment$5,352,487$8,864,301$14,216,788
Land$5,581,233-$5,581,233
Other Land Buildings$742,810$16,250$759,060
Leasehold Improvements$79,178$305,753$384,931
Compensation and Service Providers
Top Officer Pay59th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Frank DegrawPresident/CEOFT$335,291$122,238$457,529
Elizabeth JacobsenBusiness Development OriginatorFT$43,417$377,601$421,018
Lindsay TedescoMortgage OriginatorFT$49,462$362,537$411,999
Amanda St GeorgeMortgage OriginatorFT$68,039$313,609$381,648
Bryan DelehantyEvp/CFOFT$204,400$88,968$293,368
Antoinette LebronEvp/COOFT$183,813$63,377$247,190
Darryl EnfieldVP/CIOFT$168,198$61,564$229,762
Eloisa BehnkeMortgage OriginatorFT$84,217$144,992$229,209
Jason SolghanBusiness Development OriginatorFT$54,384$173,927$228,311
Alissa SykesSVP/chief Growth OfficerFT$138,711$81,169$219,880
Mary Kay JandrewVP/hrFT$115,381$74,551$189,932

Board Members and Trustees

NameTitle
Dawn DohertyChairperson
Edward AidalaVice Chairperson
Edward ObengAssociate Director
Amy JohnsonDirector
Brian HugickDirector
Dan HeimDirector
Kristen MyersDirector
Parker PowellDirector
Robert ForngesDirector
Tony CardonaDirector
Ralph LebarronSecretary
Matt CusackTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv INCProvides Financial TechnologyPO BOX 934057, Atlanta, GA 31193$1,597,592
Ncr CorporationProvides Flexible Banking ConnectionsPO BOX 740641, Los Angeles, CA 90074$1,505,838
Master CardCard Payment & Atm Services2000 PURCHASE ST, Purchase, NY 10577$1,454,860
Cornerstone Building CorpConstruction Services720 4TH ST, Watervliet, NY 12189$944,942
BranchservSecurity & Banking Automation EquipmentBOX 8000 DEPARTMENT 912, Buffalo, NY 14267$575,700
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$59,715,220
Investment Income
$8,193,334
Other Revenue
$149,552
Change in Net Assets
$16,036,908
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$24,596,719
Salaries, Compensation, and Employee Benefits$22,067,361
Grants and Similar Amounts Paid$51,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$16,348,285
Office Expenses---$6,009,418
Benefits to Members---$5,306,118
Fees for Services Other---$3,718,254
Depreciation Depletion---$2,329,342
Other Employee Benefits---$2,302,120
Current Officers, Directors, Trustees, and Key Employees---$1,637,661
Occupancy---$1,514,578
Payroll Taxes---$1,255,045
Advertising---$1,007,260
Pension Plan Contributions---$524,250
Interest---$373,011
Conferences and Meetings---$336,187
Fees for Services Accounting---$105,150
Fees for Services Legal---$95,648
Other Expenses---$56,627
Grants to Domestic Orgs---$51,000
Total Functional Expenses$0$0$0$52,021,198
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Sunmark Charitable Community FoundationLatham, NY501(c)(3)Annual Golf Sponsorship$25,000
Capital Region Chamber FoundationAlbany, NY501(c)(3)2020 Entrepeneur Boot Camp Sponsorship$16,000
Troy Rehabilitation & Improvement ProgramTroy, NY501(c)(3)2020 Annual Sponsorship$10,000
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$314,478,715
Share Draft$197,618,647
Share Certificates$138,141,045
Money Market Shares$132,766,317
Nonmember Deposits$27,043,000
Ira Accounts$20,386,539
Other Shares$801,590
Non-trading Derivative Liability$277,109
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Members of the credit union live, work, go to school or worship in the 14 county area the credit union serves. This includes employees of select employer group members and family members of eligible individuals.”

Form 990, Part VI, Section A, Line 7A

“Members of the credit union have the right to elect members of the organization's governing body.”

Form 990, Part VI, Section A, Line 7B

“A member vote is required to appoint directors and a special meeting can be called for members to vote.”

Form 990, Part VI, Section B, Line 11B

“Form 990 will be reviewed by the board chairperson and the evp/cfo before filing.”

Form 990, Part VI, Section B, Line 12C

“Annually the board must acknowledge and disclose any conflict of interest per the code of ethical conduct. All employees are required to read the organization's conflict of interest policy and agree that they will comply with the policy.”

Form 990, Part VI, Section B, Line 15

“The president/ceo's compensation is determined by the sunmark credit union's compensation committee using various industry-specific compensation studies and other data available in the public arena including proxy statements & other forms 990. The compensation committe makes a formal recommendation to the board of directors whih has final approval. Compensation for all other key employees is determined by the president/ceo usin annually updated salary ranges and benchmarking data.”

Form 990, Part VI, Section C, Line 19

“The organization makes their governing documents, conflict of interest policy and financial statements available upon request.”

Filing and Contact Details

Filer

Filer Name
Sunmark Credit Union
EIN
14-1364933
Phone
8667866275
Address
1187 TROY SCHENECTADY ROAD, LATHAM, NY 12110

Signing Officer

Name
Bryan Delehanty
Title
Evp/CFO
Phone
8667866275
Signed
2021-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Frank Degraw
Formed
1937
Legal Domicile
Ny
Voting Board Members
12
Independent Board Members
12
Employees
276
Volunteers
17

Preparer

Firm
Cliftonlarsonallen Llp
Address
9901 IH-10 WEST STE 350, SAN ANTONIO, TX 78230
Preparer
Dean Rohne
Phone
2102987900
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Equity prior to state chartered change 58,514,598. Change in other comprehensive income -2,709,489. Change in misc. Equity 2,490. Rounding -1.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is a state-chartered credit union. State chartered credit unions are exempt from federal and state income tax under internal revenue service code section 501(c)(14). The income from the cuso, organized as an llc, flows through to the credit union and, therefore, is not subject to federal and state income taxes.”

Raw XML AppendixShowing 400 of 786 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/PersonNm21AMANDA ST GEORGE
IRS990/Form990PartVIISectionAGrp/PersonNm22ELOISA BEHNKE
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IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
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IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11ASSOCIATE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt13EVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt14EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP/CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP/CHIEF GROWTH OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP/HR
IRS990/Form990PartVIISectionAGrp/TitleTxt18BUSINESS DEVELOPMENT ORIGINATOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19BUSINESS DEVELOPMENT ORIGINATOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20MORTGAGE ORIGINATOR
IRS990/Form990PartVIISectionAGrp/TitleTxt21MORTGAGE ORIGINATOR
IRS990/Form990PartVIISectionAGrp/TitleTxt22MORTGAGE ORIGINATOR
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IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WE WORK TOGETHER TO CREATE VALUE AND ENRICH THE LIVES OF OUR MEMBERS.
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IRS990/MoreThan5000KToOrgInd00
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IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt07885978
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IRS990/OperateHospitalInd00
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IRS990/OtherChangesInNetAssetsAmt055807598
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02302120
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2OPERATING FEES
IRS990/OtherExpensesGrp/Desc3MISC. OPERATING EXPENSE
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IRS990/ProgSrvcAccomActy2Grp/Desc0DEPOSITS: SUNMARK CREDIT UNION OFFERS COMPETITIVE DIVIDEND RATES ON CHECKING AND SAVINGS ACCOUNTS FOR OUR MEMBERS. WE OFFER MOBILE BANKING AND ACCESS TO NEARLY 30,000 ATMS AND 5,000 PLUS SHARED BRANCHING LOCATIONS ACROSS THE COUNTRY.
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IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt079178
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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$920,109,210
Liabilities
$848,264,704
Net assets
$71,844,506
Revenue
$68,058,106
Expenses
$52,021,198
Net income
$16,036,908
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,145$1,049$96.6$78.5$72.7$5.81
2023Detailed filing. Detailed filing data is available for this year.$1,158$1,068$89.7$72.9$67.6$5.31
2022Detailed filing. Detailed filing data is available for this year.$1,122$1,037$84.5$62.5$58.2$4.22
2021Detailed filing. Detailed filing data is available for this year.$1,010$929$81.1$61.8$54.8$6.97
2020Detailed filing. Detailed filing data is available for this year.$920$848$71.8$68.1$52.0$16.0