Civic Intelligence

Monmouth County Postal Employees Credit Union

990 • Fiscal year 2019 • EIN 21-0649618

Jan 01, 2019 to Dec 31, 2019 • Filed on Apr 13, 2020

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

18th percentile

0.81x

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

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Liabilities / Revenue

97th percentile

28.58x

Higher debt load relative to revenue than 97% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Net Margin

5th percentile

-2.4%

Higher net margin than 5% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Top Officer Pay

10th percentile

$0

Higher top officer pay than 10% of similar nonprofits.

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

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Asset Growth

3rd percentile

-5.0%

Faster asset growth than 3% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Revenue Growth

73rd percentile

9.9%

Faster revenue growth than 73% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets18th percentile

Assets

Down

$25,059,070

Down $1,315,998 (-5.0%) from 2018

Net Assets

Down

$4,737,743

Down $14,225 (-0.3%) from 2018

Liabilities

Down

$20,321,327

Down $1,301,773 (-6.0%) from 2018

Revenue And Expenses
Liabilities / Revenue97th percentileNet Margin5th percentile

Revenue

Up

$711,150

Up $63,940 (+9.9%) from 2018

Expenses

Up

$728,069

Up $99,809 (+16%) from 2018

Net Income

Down

-$16,919

Down $35,869 (-189%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth3rd 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 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

2019

Assets$25,059,070
Liabilities$20,321,327
Net Assets$4,737,743
Open 2019 Filing

Operations Trend

Revenue Growth73rd 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 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

2019

Revenue$711,150
Expenses$728,069
Net Income-$16,919
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Apr 13, 2020
Return Version
2019v5.1
Gross Receipts
$711,150
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$19,265,476$17,994,429▼ $1,271,047
Other Notes and Loans Receivable, Net$4,735,968$4,772,755▲ $36,787
Rtn Earn Endowment Incm Other Fnds$4,751,968$4,737,743▼ $14,225
Investments in Publicly Traded Securities$1,857,449$1,810,646▼ $46,803
Land, Buildings, and Equipment, Net$232,020$208,197▼ $23,823
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$26,375,068$25,059,070▼ $1,315,998
Other Assets Total$284,155$273,043▼ $11,112
Liabilities
Other Liabilities$21,619,815$20,318,732▼ $1,301,083
Accounts Payable and Accrued Expenses$3,285$2,595▼ $690
Total Liabilities$21,623,100$20,321,327▼ $1,301,773
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,751,968$4,737,743▼ $14,225
Total Liabilities and Net Assets / Fund Balance$26,375,068$25,059,070▼ $1,315,998

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$198,974$19,405$218,379
Equipment$9,223$43,373$52,596
Compensation and Service Providers
Top Officer Pay10th percentile

Board Members and Trustees

NameTitle
Raymond HempstedPresident
Joseph DuganVice President
Alan LinsanganBoard of Directors
Eileen RubanoBoard of Directors
Eric TuroffBoard of Directors
James MaidaBoard of Directors
Joseph MizglewskiBoard of Directors
Phillip CostaBoard of Directors
Jeffrey BrentsSecretary
Kenneth HopwoodTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$34,648
Investment Income
$676,502
Other Revenue
$0
Change in Net Assets
$-16,919

Audited Revenue Reconciliation

Revenue per Audited Statements
$711,150
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$711,150
Total Revenue per Form 990
$711,150
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$519,332
Salaries, Compensation, and Employee Benefits$208,737
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$208,737
Office Expenses---$190,353
Interest---$187,511
Depreciation Depletion---$23,823
Fees for Services Accounting---$17,665
Travel---$13,184
Other Expenses---$4,589
Fees for Services Legal---$4,410
Conferences and Meetings---$2,500
Total Functional Expenses$0$0$0$728,069

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$728,069
Total Expenses per Audited Statements$728,069
Total Expenses per Form 990$728,069
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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$20,318,732
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
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
2020-04-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cathy Costa
Formed
1928
Legal Domicile
Nj
Voting Board Members
12
Independent Board Members
12
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
Raw XML Appendix360 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/TotalExpensesPerForm990Amt0728069
IRS990ScheduleD/TotalLiabilityAmt020318732
IRS990ScheduleD/TotalRevenuePerForm990Amt0711150
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0711150
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0728069
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
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/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
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0NJ
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt026375068
IRS990/TotalAssetsEOYAmt025059070
IRS990/TotalAssetsGrp/BOYAmt026375068
IRS990/TotalAssetsGrp/EOYAmt025059070
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0728069
IRS990/TotalGrossUBIAmt01000
IRS990/TotalLiabilitiesBOYAmt021623100
IRS990/TotalLiabilitiesEOYAmt020321327
IRS990/TotalLiabilitiesGrp/BOYAmt021623100
IRS990/TotalLiabilitiesGrp/EOYAmt020321327
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04751968
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04737743
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt034648
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0710150
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0711150
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt01000
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt026375068
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt025059070
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt013184
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0171 BROAD STREET
IRS990/USAddress/CityNm0RED BANK
IRS990/USAddress/StateAbbreviationCd0NJ
IRS990/USAddress/ZIPCd007701
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt012
IRS990/WebsiteAddressTxt0WWW.MONMOUTHPOSTALCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02020-09-23 17:36:50Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CATHY COSTA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0OFFICE MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum07322190009
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-04-13
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/AtSubmissionCreationDeviceId0F7C10DBA6BF4718CBA8C685C69588BEC9E88779E
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId06EA8CB288AEFCA85E4F814AE58436FD15C5E53FA
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0173.251.92.242
ReturnHeader/FilingSecurityInformation/IPDt02020-04-13
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ED
ReturnHeader/FilingSecurityInformation/IPTm010:07:10
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/ReturnTs02020-04-23T10:09:27-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$25,059,070
Liabilities
$20,321,327
Net assets
$4,737,743
Revenue
$711,150
Expenses
$728,069
Net income
-$16,919
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
2019Detailed filing. Detailed filing data is available for this year.$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
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
Peer Organizations

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