Civic Intelligence

Passaic Postal Employee Credit Union

EIN 22-1277748 • 501(c)14 • Passaic, NJ

Profile

To promote thrift among its members

46 Grove StPassaic, NJ 07055

n/A

Siviq Scores

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

Liabilities / Assets

94th percentile

0.85x

Higher debt load relative to assets than 94% of similar nonprofits.

$500k-$1M nonprofits • Source year 2017

Liabilities / Revenue

100th percentile

19.25x

Higher debt load relative to revenue than 100% of similar nonprofits.

$500k-$1M nonprofits • Source year 2017

Net Margin

14th percentile

-30%

Higher net margin than 14% of similar nonprofits.

$500k-$1M nonprofits • Source year 2017

Top Officer Pay

62nd percentile

$6,750

Higher top officer pay than 62% of similar nonprofits.

Top officer pay equals 28.0% of source-year revenue.

$500k-$1M nonprofits • Source year 2017

Asset Growth

54th percentile

3.3%

Faster asset growth than 54% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2016 to 2017

Revenue Growth

24th percentile

-11%

Faster revenue growth than 24% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets94th percentile

Assets

Up

$542,913

Up $17,596 (+3.3%) from 2016

Liabilities

Up

$463,419

Up $24,908 (+5.7%) from 2016

Net Assets

Down

$79,494

Down $7,312 (-8.4%) from 2016

Operations
Liabilities / Revenue100th percentileNet Margin14th percentile

Revenue

Down

$24,075

Down $2,948 (-11%) from 2016

Expenses

Up

$31,387

Up $1,190 (+3.9%) from 2016

Net Income

Down

-$7,312

Down $4,138 (-130%) from 2016

Trend Graphs

Balance Sheet Trend

Asset Growth54th percentile

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

$800K$600K$400K$200K$0Assets 2011: $668,869Liabilities 2011: $573,863Net Assets 2011: $95,0062011Assets 2012: $617,609Liabilities 2012: $522,114Net Assets 2012: $95,4952012Assets 2013: $593,388Liabilities 2013: $497,685Net Assets 2013: $95,7032013Assets 2014: $546,235Liabilities 2014: $452,804Net Assets 2014: $93,4312014Assets 2015: $553,847Liabilities 2015: $463,867Net Assets 2015: $89,9802015Assets 2016: $525,317Liabilities 2016: $438,511Net Assets 2016: $86,8062016Assets 2017: $542,913Liabilities 2017: $463,419Net Assets 2017: $79,4942017

Highlighted filing

2017

Assets$542,913
Liabilities$463,419
Net Assets$79,494
Open 2017 Filing

Operations Trend

Revenue Growth24th percentile

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

$60K$40K$20K$0-$20KExpenses 2011: $40,4052011Expenses 2012: $31,9112012Revenue 2013: $26,833Expenses 2013: $26,625Net Income 2013: $2082013Revenue 2014: $27,667Expenses 2014: $29,939Net Income 2014: -$2,2722014Revenue 2015: $25,758Expenses 2015: $29,209Net Income 2015: -$3,4512015Revenue 2016: $27,023Expenses 2016: $30,197Net Income 2016: -$3,1742016Revenue 2017: $24,075Expenses 2017: $31,387Net Income 2017: -$7,3122017

Highlighted filing

2017

Revenue$24,075
Expenses$31,387
Net Income-$7,312
Open 2017 Filing

Filings

Most recent year

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

Open filing
Assets
$542,913
Liabilities
$463,419
Net assets
$79,494
Revenue
$24,075
Expenses
$31,387
Net income
-$7,312
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$5.43$4.63$0.79$0.24$0.31$0.07
2016Detailed filing. Detailed filing data is available for this year.$5.25$4.39$0.87$0.27$0.30$0.03
2015Detailed filing. Detailed filing data is available for this year.$5.54$4.64$0.90$0.26$0.29$0.03
2014Detailed filing. Detailed filing data is available for this year.$5.46$4.53$0.93$0.28$0.30$0.02
2013Detailed filing. Detailed filing data is available for this year.$5.93$4.98$0.96$0.27$0.27$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.18$5.22$0.95$0.32
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.69$5.74$0.95$0.40
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 8, 2018
Return Version
2017v2.2
Gross Receipts
$24,075
Mission and Program Overview

Mission

To promote thrift among its members

The credit union's mission is to promote thrift and provide low cost credit for its members through mutual nonprofit operations.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$237,866$265,798▲ $27,932
Other Notes and Loans Receivable, Net$249,774$212,671▼ $37,103
Cash and Non-Interest-Bearing Accounts$30,578$58,286▲ $27,708
Investments Other Securities$4,624$4,371▼ $253
Prepaid Expenses and Deferred Charges$1,916$1,489▼ $427
Land, Buildings, and Equipment, Net$559$298▼ $261
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Rtn Earn Endowment Incm Other Fnds$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$525,317$542,913▲ $17,596
Liabilities
Other Liabilities$437,094$462,027▲ $24,933
Accounts Payable and Accrued Expenses$1,417$1,392▼ $25
Total Liabilities$438,511$463,419▲ $24,908
Net Assets / Fund Balance
Total Net Assets Fund Balance$86,806$79,494▼ $7,312
Total Liabilities and Net Assets / Fund Balance$525,317$542,913▲ $17,596

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$298$27,853$28,151
Compensation and Service Providers
Top Officer Pay62nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Gerard WaksmundskiCEO Board TreasurerPT$6,750$6,750
Miguel GonzalezBoard Member Secretary-$4,290$4,290

Board Members and Trustees

NameTitle
Richard Amos JrChairman/credit Committe
Mary SerinoPresident
Joseph SokolVice Chairperson/board
Donald McnairBoard Member
John PerzleyBoard Member
Michael SullivanBoard Member
Richard DimaseBoard Member
Gerald WalisTeller/credit Committee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$20,392
Investment Income
$2,258
Other Revenue
$1,425
Change in Net Assets
$-7,312
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$18,818
Salaries, Compensation, and Employee Benefits$12,569
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$11,040--$11,040
Payroll Taxes$1,529--$1,529
Fees for Services Other-$825-$825
Other Expenses$569--$569
All Other Expenses$524--$524
Total Functional Expenses$30,562$825$0$31,387
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 Deposits$462,027
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 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 B, Line 11B

“990 is reviewed by the board before submission irs”

Form 990, Part VI, Section C, Line 19

“Governing documents including conflict of interest policy maybe obtained by writing the organization. Financials statements are available on the web at ncua.gov”

Filing and Contact Details

Filer

Filer Name
Passaic Postal Employee Credit Union
EIN
22-1277748
Phone
9734731164
Address
46 GROVE ST, PASSAIC, NJ 07055

Signing Officer

Name
Gerard Waksmundski
Title
CEO
Phone
9734731164
Signed
2018-05-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gerard Waksmundski
Formed
1934
Legal Domicile
Nj
Voting Board Members
7
Independent Board Members
6
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 Appendix351 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/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THE CREDIT UNION'S MISSION IS TO PROMOTE THRIFT AND PROVIDE LOW COST CREDIT FOR ITS MEMBERS THROUGH MUTUAL NONPROFIT OPERATIONS.
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IRS990/AllOtherExpensesGrp/TotalAmt0524
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0THE ORGANIZATION
IRS990/BooksInCareOfDetail/PhoneNum09734731164
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt046 GROVE ST
IRS990/BooksInCareOfDetail/USAddress/CityNm0PASSAIC
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IRS990/CashNonInterestBearingGrp/BOYAmt030578
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IRS990/ChangeToOrgDocumentsInd00
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IRS990/CompensationFromOtherSrcsInd00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0GERARD WAKSMUNDSKI
IRS990/Form990PartVIISectionAGrp/PersonNm1MIGUEL GONZALEZ
IRS990/Form990PartVIISectionAGrp/PersonNm2MARY SERINO
IRS990/Form990PartVIISectionAGrp/PersonNm3JOSEPH SOKOL
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IRS990/Form990PartVIISectionAGrp/PersonNm6MICHAEL SULLIVAN
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE CHAIRPERSON/BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHAIRMAN/CREDIT COMMITTE
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9TELLER/CREDIT COMMITTEE
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IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/OperateHospitalInd00
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IRS990/ScheduleBRequiredInd00
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IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0990 IS REVIEWED BY THE BOARD BEFORE SUBMISSION IRS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1GOVERNING DOCUMENTS INCLUDING CONFLICT OF INTEREST POLICY MAYBE OBTAINED BY WRITING THE ORGANIZATION. FINANCIALS STATEMENTS ARE AVAILABLE ON THE WEB AT NCUA.GOV
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
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IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0825
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt030562
IRS990/TotalFunctionalExpensesGrp/TotalAmt031387
IRS990/TotalGrossUBIAmt0800
IRS990/TotalLiabilitiesBOYAmt0438511
IRS990/TotalLiabilitiesEOYAmt0463419
IRS990/TotalLiabilitiesGrp/BOYAmt0438511
IRS990/TotalLiabilitiesGrp/EOYAmt0463419
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt086806
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt079494
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt031387
IRS990/TotalProgramServiceRevenueAmt020392
IRS990/TotalReportableCompFromOrgAmt011040
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt023275
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt024075
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0800
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0525317
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0542913
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt046 GROVE ST
IRS990/USAddress/CityNm0PASSAIC
IRS990/USAddress/StateAbbreviationCd0NJ
IRS990/USAddress/ZIPCd007055
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0GERARD WAKSMUNDSKI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09734731164
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PASSAIC POSTAL EMPLOYEE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PASS
ReturnHeader/Filer/EIN0221277748
ReturnHeader/Filer/PhoneNum09734731164
ReturnHeader/Filer/USAddress/AddressLine1Txt046 GROVE ST
ReturnHeader/Filer/USAddress/CityNm0PASSAIC
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NJ
ReturnHeader/Filer/USAddress/ZIPCd007055
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0F7C10DBA6BF4718CBA8C685C69588BEC9E88779E
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId06EA8CB288AEFCA85E4F814AE58436FD15C5E53FA
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0173.251.92.242
ReturnHeader/FilingSecurityInformation/IPDt02018-05-08
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ED
ReturnHeader/FilingSecurityInformation/IPTm013:59:35
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/ReturnTs02018-05-14T08:55:28-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

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