Civic Intelligence

Directors Choice Credit Union

EIN 14-1822227 • 501(c)14 • Albany, NY

Profile

The organization was started to provide unique, quality financial services to the funeral directing profession service industry in its field of membership. Directors choice credit union serves as an alternative to banks by providing basic savings and loan services with emphasis on high quality member service.

1 South Family DriveAlbany, NY 12205

www.directorschoicecu.com

Siviq Scores

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

Liabilities / Assets

18th percentile

0.77x

Higher debt load relative to assets than 18% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

21st percentile

12.24x

Higher debt load relative to revenue than 21% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

88th percentile

25%

Higher net margin than 88% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

25th percentile

-4.3%

Faster asset growth than 25% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2022 to 2024

Revenue Growth

89th percentile

27%

Faster revenue growth than 89% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets18th percentile

Assets

Down

$10,881,960

Down $676,265 (-5.9%) from 2023

Liabilities

Down

$8,401,945

Down $849,110 (-9.2%) from 2023

Net Assets

Up

$2,480,015

Up $172,845 (+7.5%) from 2023

Operations
Liabilities / Revenue21st percentileNet Margin88th percentile

Revenue

Up

$686,296

Up $114,384 (+20%) from 2023

Expenses

Up

$513,449

Up $182,981 (+55%) from 2023

Net Income

Down

$172,847

Down $68,597 (-28%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth25th percentile

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

$15M$10M$5.0M$0Assets 2015: $7,154,525Liabilities 2015: $5,975,519Net Assets 2015: $1,179,0062015Assets 2016: $8,331,410Liabilities 2016: $7,065,013Net Assets 2016: $1,266,3972016Assets 2017: $9,579,640Liabilities 2017: $8,205,248Net Assets 2017: $1,374,3922017Assets 2018: $9,942,910Liabilities 2018: $8,447,814Net Assets 2018: $1,495,0962018Assets 2019: $11,393,882Liabilities 2019: $9,759,228Net Assets 2019: $1,634,6542019Assets 2020: $12,301,899Liabilities 2020: $10,535,057Net Assets 2020: $1,766,8422020Assets 2021: $12,600,333Liabilities 2021: $10,684,924Net Assets 2021: $1,915,4092021Assets 2022: $11,872,621Liabilities 2022: $9,816,355Net Assets 2022: $2,056,2662022Assets 2023: $11,558,225Liabilities 2023: $9,251,055Net Assets 2023: $2,307,1702023Assets 2024: $10,881,960Liabilities 2024: $8,401,945Net Assets 2024: $2,480,0152024

Highlighted filing

2024

Assets$10,881,960
Liabilities$8,401,945
Net Assets$2,480,015
Open 2024 Filing

Operations Trend

Revenue Growth89th percentile

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

$800K$600K$400K$200K$0Revenue 2015: $397,311Expenses 2015: $287,029Net Income 2015: $110,2822015Revenue 2016: $386,196Expenses 2016: $298,805Net Income 2016: $87,3912016Revenue 2017: $318,283Expenses 2017: $210,288Net Income 2017: $107,9952017Revenue 2018: $352,133Expenses 2018: $231,429Net Income 2018: $120,7042018Revenue 2019: $422,351Expenses 2019: $282,793Net Income 2019: $139,5582019Revenue 2020: $459,166Expenses 2020: $326,978Net Income 2020: $132,1882020Revenue 2021: $451,468Expenses 2021: $302,901Net Income 2021: $148,5672021Revenue 2022: $423,757Expenses 2022: $273,440Net Income 2022: $150,3172022Revenue 2023: $571,912Expenses 2023: $330,468Net Income 2023: $241,4442023Revenue 2024: $686,296Expenses 2024: $513,449Net Income 2024: $172,8472024

Highlighted filing

2024

Revenue$686,296
Expenses$513,449
Net Income$172,847
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$10,881,960
Liabilities
$8,401,945
Net assets
$2,480,015
Revenue
$686,296
Expenses
$513,449
Net income
$172,847
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$10.9$8.40$2.48$0.69$0.51$0.17
2023Detailed filing. Detailed filing data is available for this year.$11.6$9.25$2.31$0.57$0.33$0.24
2022Detailed filing. Detailed filing data is available for this year.$11.9$9.82$2.06$0.42$0.27$0.15
2021Detailed filing. Detailed filing data is available for this year.$12.6$10.7$1.92$0.45$0.30$0.15
2020Detailed filing. Detailed filing data is available for this year.$12.3$10.5$1.77$0.46$0.33$0.13
2019Detailed filing. Detailed filing data is available for this year.$11.4$9.76$1.63$0.42$0.28$0.14
2018Detailed filing. Detailed filing data is available for this year.$9.94$8.45$1.50$0.35$0.23$0.12
2017Detailed filing. Detailed filing data is available for this year.$9.58$8.21$1.37$0.32$0.21$0.11
2016Detailed filing. Detailed filing data is available for this year.$8.33$7.07$1.27$0.39$0.30$0.09
2015Detailed filing. Detailed filing data is available for this year.$7.15$5.98$1.18$0.40$0.29$0.11
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 15, 2025
Return Version
2024v5.1
Gross Receipts
$686,296
Mission and Program Overview

Mission

The organization was started to provide unique, quality financial services to the funeral directing profession service industry in its field of membership. Directors choice credit union serves as an alternative to banks by providing basic savings and loan services with emphasis on high quality member service.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,040,102$7,697,211▼ $342,891
Savings and Temporary Cash Investments$3,429,199$3,108,685▼ $320,514
Cash and Non-Interest-Bearing Accounts$7,590$4,774▼ $2,816
Total Assets$11,558,225$10,881,960▼ $676,265
Other Assets Total$81,334$71,290▼ $10,044
Liabilities
Other Liabilities$9,249,791$8,400,707▼ $849,084
Accounts Payable and Accrued Expenses$1,264$1,238▼ $26
Total Liabilities$9,251,055$8,401,945▼ $849,110
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,274,844$2,447,689▲ $172,845
Net Assets With Donor Restrictions$32,326$32,326→ $0
Total Net Assets Fund Balance$2,307,170$2,480,015▲ $172,845
Total Liabilities and Net Assets / Fund Balance$11,558,225$10,881,960▼ $676,265
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Eugene M GuarinoChair
Frank KerbeinVice Chair
Charles WatermanBoard Member
David ParenteBoard Member
Todd KilmerBoard Member
Wayne BrascoBoard Member
Michael LanotteExecutive Director
Amy LicoOperations Manager
Kelly DeitzSec/treas
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$527,064
Investment Income
$143,313
Other Revenue
$15,919
Change in Net Assets
$172,847
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$513,449
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$189,711
All Other Expenses---$25,248
Fees for Services Accounting---$18,335
Advertising---$11,013
Other Expenses---$10,837
Office Expenses---$8,860
Insurance---$5,968
Total Functional Expenses$0$0$0$513,449
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
Member Shares$7,655,706
Non-member Shares$745,001
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Members are those who have share accounts with the credit union.”

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

“Directors are elected by shareholders (members) and officers are elected by the board members.”

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

“Dccu management provides the board of directors with a copy of the 990 to be filed.”

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

“The dccu board of directors and its supervisory committee review and sign the disclosure and conflict of interest agreement as needed, at least annually.”

Form 990, Part VI, Section C, Line 19

“Dccu will make its 990 available to the public upon request, the form 990 is also available on guidestar.org”

Filing and Contact Details

Filer

Filer Name
Directors Choice Credit Union
EIN
14-1822227
Phone
5184562686
Address
1 SOUTH FAMILY DRIVE, ALBANY, NY 12205

Signing Officer

Name
Michael Lanotte
Title
Executive Director
Phone
5184562686
Signed
2025-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael Lanotte
Formed
2000
Legal Domicile
Ny
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
0

Preparer

Firm
Bonadio & Co Llp
Address
6 WEMBLEY CT, ALBANY, NY 12205
Preparer
Heather J Leggiero
Phone
5184644080
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Postage and delivery 8,882. Banking 6,407. Subscriptions 3,485. Miscellaneous expenses 3,149. Credit reports 2,345. Miscellaneous services 600. Telephone 380.”

Raw XML AppendixShowing 400 of 417 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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1745001
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1NON-MEMBER SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalLiabilityAmt08400707
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt060630
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1182000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt210500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0ON SAME TERMS AS OFFERED TO OTHER MEMBERS OF THE CREDIT UNION
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1ON SAME TERMS AS OFFERED TO OTHER MEMBERS OF THE CREDIT UNION
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2ON SAME TERMS AS OFFERED TO OTHER MEMBERS OF THE CREDIT UNION
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt060630
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1182000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt210500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0BOARD MEMBER LOANS ALLOWED PRIVACY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1BOARD MEMBER LOANS ALLOWED PRIVACY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2BOARD MEMBER LOANS ALLOWED PRIVACY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/TotalBalanceDueAmt0253130
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS ARE THOSE WHO HAVE SHARE ACCOUNTS WITH THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DIRECTORS ARE ELECTED BY SHAREHOLDERS (MEMBERS) AND OFFICERS ARE ELECTED BY THE BOARD MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DCCU MANAGEMENT PROVIDES THE BOARD OF DIRECTORS WITH A COPY OF THE 990 TO BE FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE DCCU BOARD OF DIRECTORS AND ITS SUPERVISORY COMMITTEE REVIEW AND SIGN THE DISCLOSURE AND CONFLICT OF INTEREST AGREEMENT AS NEEDED, AT LEAST ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DCCU WILL MAKE ITS 990 AVAILABLE TO THE PUBLIC UPON REQUEST, THE FORM 990 IS ALSO AVAILABLE ON GUIDESTAR.ORG
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5POSTAGE AND DELIVERY 8,882. BANKING 6,407. SUBSCRIPTIONS 3,485. MISCELLANEOUS EXPENSES 3,149. CREDIT REPORTS 2,345. MISCELLANEOUS SERVICES 600. TELEPHONE 380.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART IX, LINE 24E
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingEntityName/BusinessNameLine1Txt0WHOLLY OWNED SUBSIDARY OF THE NYSFDA
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EIN0133456590
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EntityTypeTxt0C
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/LegalDomicileStateCd0NY
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt0SPONSOR OF DCCU - FUNDS OPERATION
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt0FUNERAL DIRECTOR SUPPORT SERVICES INC
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/AddressLine1Txt01 SOUTH FAMILY DRIVE
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/CityNm0ALBANY
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/StateAbbreviationCd0NY
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/ZIPCd012205
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0NEW YORK STATE FUNERAL DIRECTORS ASSOCIATION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0150398553
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501C
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0NY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0TRADE ASSOCIATION OF FUNERAL DIRECTORS IN NEW YORK STATE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt01 SOUTH FAMILY DRIVE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0ALBANY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0NY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd012205
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd00
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd00
IRS990ScheduleR/PerformOfServicesByOtherOrgInd01
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd01
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd01
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt010000
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0ACTUAL AMOUNT REIMBURSED
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0NEW YORK STATE FUNERAL DIRECTORS ASSOCIATION (UNDER 50000)
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt1FUNERAL DIRECTOR SUPPORT SERVICES (UNDER 50000)
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt2NEW YORK STATE FUNERAL DIRECTORS ASSOCIATION (UNDER 50000)
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt3FUNERAL DIRECTOR SUPPORT SERVICES
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0M
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt1M
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt2N
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt3P
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt011558225
IRS990/TotalAssetsEOYAmt010881960
IRS990/TotalAssetsGrp/BOYAmt011558225
IRS990/TotalAssetsGrp/EOYAmt010881960
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0513449
IRS990/TotalGrossUBIAmt0147
IRS990/TotalLiabilitiesBOYAmt09251055
IRS990/TotalLiabilitiesEOYAmt08401945
IRS990/TotalLiabilitiesGrp/BOYAmt09251055
IRS990/TotalLiabilitiesGrp/EOYAmt08401945
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02307170
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02480015
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0527064
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt0143313
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0542836
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0686296
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0147
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011558225
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt010881960
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01 SOUTH FAMILY DRIVE
IRS990/USAddress/CityNm0ALBANY
IRS990/USAddress/StateAbbreviationCd0NY
IRS990/USAddress/ZIPCd012205
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.DIRECTORSCHOICECU.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHAEL LANOTTE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum05184562686
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0DIRECTORS CHOICE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0DIRE
ReturnHeader/Filer/EIN0141822227
ReturnHeader/Filer/PhoneNum05184562686
ReturnHeader/Filer/USAddress/AddressLine1Txt01 SOUTH FAMILY DRIVE
ReturnHeader/Filer/USAddress/CityNm0ALBANY

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