Civic Intelligence

Monmouth County Postal Employees Credit Union

990 • Fiscal year 2017 • EIN 21-0649618

Jan 01, 2017 to Dec 31, 2017 • Filed on Jul 11, 2018

Organization ProfileWWW.MONMOUTHPOSTALCU.ORG
171 Broad StreetRed Bank, NJ 07701

(732) 219-0009

Siviq Scores

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

Liabilities / Assets

17th percentile

0.82x

Higher debt load relative to assets than 17% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Liabilities / Revenue

99th percentile

38.90x

Higher debt load relative to revenue than 99% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Net Margin

19th percentile

2.1%

Higher net margin than 19% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Top Officer Pay

9th percentile

$0

Higher top officer pay than 9% of similar nonprofits.

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

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Asset Growth

56th percentile

2.7%

Faster asset growth than 56% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Revenue Growth

44th percentile

4.1%

Faster revenue growth than 44% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets17th percentile

Assets

Up

$26,398,891

Up $687,233 (+2.7%) from 2016

Net Assets

Up

$4,732,362

Up $12,253 (+0.3%) from 2016

Liabilities

Up

$21,666,529

Up $674,980 (+3.2%) from 2016

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin19th percentile

Revenue

Up

$556,983

Up $21,767 (+4.1%) from 2016

Expenses

Up

$545,258

Up $17,219 (+3.3%) from 2016

Net Income

Up

$11,725

Up $4,548 (+63%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth56th percentile

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

$30M$20M$10M$0Assets 2011: $26,445,083Liabilities 2011: $21,720,938Net Assets 2011: $4,724,1452011Assets 2012: $26,964,387Liabilities 2012: $22,309,975Net Assets 2012: $4,654,4122012Assets 2013: $26,981,244Liabilities 2013: $22,279,620Net Assets 2013: $4,701,6242013Assets 2014: $25,647,524Liabilities 2014: $20,920,354Net Assets 2014: $4,727,1702014Assets 2015: $25,716,954Liabilities 2015: $21,002,664Net Assets 2015: $4,714,2902015Assets 2016: $25,711,658Liabilities 2016: $20,991,549Net Assets 2016: $4,720,1092016Assets 2017: $26,398,891Liabilities 2017: $21,666,529Net Assets 2017: $4,732,3622017Assets 2018: $26,375,068Liabilities 2018: $21,623,100Net Assets 2018: $4,751,9682018Assets 2019: $25,059,070Liabilities 2019: $20,321,327Net Assets 2019: $4,737,7432019Assets 2020: $24,460,814Liabilities 2020: $19,741,399Net Assets 2020: $4,719,4152020Assets 2021: $26,263,016Liabilities 2021: $21,456,403Net Assets 2021: $4,806,6132021Assets 2022: $24,756,673Liabilities 2022: $20,040,420Net Assets 2022: $4,716,2532022Assets 2024: $23,556,859Liabilities 2024: $19,025,997Net Assets 2024: $4,530,8622024

Highlighted filing

2017

Assets$26,398,891
Liabilities$21,666,529
Net Assets$4,732,362
Open 2017 Filing

Operations Trend

Revenue Growth44th percentile

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

$1.0M$500K$0-$500KExpenses 2011: $794,5052011Expenses 2012: $745,4262012Revenue 2013: $596,040Expenses 2013: $545,597Net Income 2013: $50,4432013Revenue 2014: $550,447Expenses 2014: $527,280Net Income 2014: $23,1672014Revenue 2015: $504,674Expenses 2015: $515,598Net Income 2015: -$10,9242015Revenue 2016: $535,216Expenses 2016: $528,039Net Income 2016: $7,1772016Revenue 2017: $556,983Expenses 2017: $545,258Net Income 2017: $11,7252017Revenue 2018: $647,210Expenses 2018: $628,260Net Income 2018: $18,9502018Revenue 2019: $711,150Expenses 2019: $728,069Net Income 2019: -$16,9192019Revenue 2020: $567,446Expenses 2020: $585,910Net Income 2020: -$18,4642020Revenue 2021: $587,734Expenses 2021: $496,238Net Income 2021: $91,4962021Revenue 2022: $386,220Expenses 2022: $455,400Net Income 2022: -$69,1802022Revenue 2024: $667,235Expenses 2024: $725,303Net Income 2024: -$58,0682024

Highlighted filing

2017

Revenue$556,983
Expenses$545,258
Net Income$11,725
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Jul 11, 2018
Return Version
2017v2.3
Gross Receipts
$556,983
Mission and Program Overview

Mission

To provide financial stability and thrift to its members.

The credit union's purpose is to promote thrift among its membership. The credit union provides a wide range of financial services in order to assist members in achieving their financial goals and stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$18,350,366$19,377,443▲ $1,027,077
Other Notes and Loans Receivable, Net$5,101,194$4,768,370▼ $332,824
Rtn Earn Endowment Incm Other Fnds$4,720,109$4,732,362▲ $12,253
Investments in Publicly Traded Securities$1,959,783$1,957,958▼ $1,825
Land, Buildings, and Equipment, Net$35,844$24,211▼ $11,633
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$25,711,658$26,398,891▲ $687,233
Other Assets Total$264,471$270,909▲ $6,438
Liabilities
Other Liabilities$20,989,520$21,662,465▲ $672,945
Accounts Payable and Accrued Expenses$2,029$4,064▲ $2,035
Total Liabilities$20,991,549$21,666,529▲ $674,980
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,720,109$4,732,362▲ $12,253
Total Liabilities and Net Assets / Fund Balance$25,711,658$26,398,891▲ $687,233

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$24,211$41,461$65,672
Compensation and Service Providers
Top Officer Pay9th percentile

Board Members and Trustees

NameTitle
William LeonardPresident
Raymond HempstedVice President
Eileen RubanoBoard of Directors
James MaidaBoard of Directors
Joseph DuganBoard of Directors
Joseph MizglewskiBoard of Directors
Kenneth HopwoodTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$533,761
Other Revenue
$23,222
Change in Net Assets
$11,725
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$350,412
Salaries, Compensation, and Employee Benefits$194,846
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$194,846
Office Expenses---$165,598
Interest---$105,617
Depreciation Depletion---$16,533
Travel---$16,265
Fees for Services Accounting---$15,300
Insurance---$7,930
Fees for Services Legal---$5,619
Conferences and Meetings---$3,259
Other Expenses---$-4,890
Total Functional Expenses$0$0$0$545,258
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
MEMBERS' SHARE AND SAVINGS ACCOUNTS$21,662,465
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
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
Yes
Management duties delegated
No

Governance Explanations

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

“The organization holds annual elections for membership to elect a board of directors.”

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

“Under certain circumstances the board of directors requires a vote of its members.”

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

“A copy of form 990 was submitted to the board for approval. Once it was approved the return was finalized.”

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

“The organization provides its employees and board with the written policy for review each year.”

Form 990, Part VI, Section C, Line 19

“Organization makes its governing documents and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Monmouth County Postal Employees
EIN
21-0649618
Phone
7322190009
Address
171 BROAD STREET, RED BANK, NJ 07701

Signing Officer

Name
Cathy Costa
Title
Office Manager
Phone
7322190009
Signed
2018-07-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cathy Costa
Formed
1928
Legal Domicile
Nj
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
0

Preparer

Firm
The Curchin Group LLC
Address
200 SCHULZ DR STE 400, RED BANK, NJ 07701-6745
Preparer
Robert Fouratt
Phone
7327470500
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Unrealized holding gains arising during the period 258.”

Raw XML Appendix327 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.

Path#Value
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IRS990/ActivityOrMissionDesc0THE CREDIT UNION'S PURPOSE IS TO PROMOTE THRIFT AMONG ITS MEMBERSHIP. THE CREDIT UNION PROVIDES A WIDE RANGE OF FINANCIAL SERVICES IN ORDER TO ASSIST MEMBERS IN ACHIEVING THEIR FINANCIAL GOALS AND STABILITY.
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IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD OF DIRECTORS
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD OF DIRECTORS
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD OF DIRECTORS
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD OF DIRECTORS
IRS990/Form990PartVIISectionAGrp/TitleTxt4PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt6TREASURER
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HOLDS ANNUAL ELECTIONS FOR MEMBERSHIP TO ELECT A BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1UNDER CERTAIN CIRCUMSTANCES THE BOARD OF DIRECTORS REQUIRES A VOTE OF ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A COPY OF FORM 990 WAS SUBMITTED TO THE BOARD FOR APPROVAL. ONCE IT WAS APPROVED THE RETURN WAS FINALIZED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION PROVIDES ITS EMPLOYEES AND BOARD WITH THE WRITTEN POLICY FOR REVIEW EACH YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ORGANIZATION MAKES ITS GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5UNREALIZED HOLDING GAINS ARISING DURING THE PERIOD 258.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7B
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 XI, LINE 9:
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IRS990/TotalLiabilitiesBOYAmt020991549
IRS990/TotalLiabilitiesEOYAmt021666529
IRS990/TotalLiabilitiesGrp/BOYAmt020991549
IRS990/TotalLiabilitiesGrp/EOYAmt021666529
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04720109
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04732362
IRS990/TotalOtherCompensationAmt00
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0556183
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0556983
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0800
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt025711658
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt026398891
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt016265
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0171 BROAD STREET
IRS990/USAddress/CityNm0RED BANK
IRS990/USAddress/StateAbbreviationCd0NJ
IRS990/USAddress/ZIPCd007701
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.MONMOUTHPOSTALCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CATHY COSTA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0OFFICE MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum07322190009
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-07-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MONMOUTH COUNTY POSTAL EMPLOYEES
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MONM
ReturnHeader/Filer/EIN0210649618
ReturnHeader/Filer/PhoneNum07322190009
ReturnHeader/Filer/USAddress/AddressLine1Txt0171 BROAD STREET
ReturnHeader/Filer/USAddress/CityNm0RED BANK
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NJ
ReturnHeader/Filer/USAddress/ZIPCd007701
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId05D470EB7461D9C250E9906E58D9E785CD8D6EA37
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId06EA8CB288AEFCA85E4F814AE58436FD15C5E53FA
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0173.251.92.242
ReturnHeader/FilingSecurityInformation/IPDt02018-07-11
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ED
ReturnHeader/FilingSecurityInformation/IPTm009:58:29
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0611416081
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0THE CURCHIN GROUP LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0200 SCHULZ DR STE 400
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0RED BANK
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NJ
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0077016745
ReturnHeader/PreparerPersonGrp/PhoneNum07327470500
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ROBERT FOURATT
ReturnHeader/ReturnTs02018-07-20T11:25:06-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$26,398,891
Liabilities
$21,666,529
Net assets
$4,732,362
Revenue
$556,983
Expenses
$545,258
Net income
$11,725
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.6$19.0$4.53$0.67$0.73$0.06
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.8$20.0$4.72$0.39$0.46$0.07
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.3$21.5$4.81$0.59$0.50$0.09
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.5$19.7$4.72$0.57$0.59$0.02
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$25.1$20.3$4.74$0.71$0.73$0.02
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.4$21.6$4.75$0.65$0.63$0.02
2017Detailed filing. Detailed filing data is available for this year.$26.4$21.7$4.73$0.56$0.55$0.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$25.7$21.0$4.72$0.54$0.53$0.01
2015Detailed filing. Detailed filing data is available for this year.$25.7$21.0$4.71$0.50$0.52$0.01
2014Detailed filing. Detailed filing data is available for this year.$25.6$20.9$4.73$0.55$0.53$0.02
2013Detailed filing. Detailed filing data is available for this year.$27.0$22.3$4.70$0.60$0.55$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.0$22.3$4.65$0.75
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.4$21.7$4.72$0.79