Civic Intelligence

DIV 819 Transit Employees Cu

EIN 22-1500095 • 501(c)14 • Irvington, NJ

Profile

To provide savings accounts and loans to New Jersey Transit Union Members and their families.

186 Brookside AveIrvington, NJ 07111
Siviq Scores

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

Liabilities / Assets

33rd percentile

0.83x

Higher debt load relative to assets than 33% of similar nonprofits.

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

Liabilities / Revenue

33rd percentile

14.76x

Higher debt load relative to revenue than 33% of similar nonprofits.

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

Net Margin

18th percentile

-9.0%

Higher net margin than 18% of similar nonprofits.

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

Top Officer Pay

62nd percentile

$70,688

Higher top officer pay than 62% of similar nonprofits.

Top officer pay equals 8.4% of source-year revenue.

$10M-$25M nonprofits • Source year 2024

Asset Growth

14th percentile

-7.9%

Faster asset growth than 14% of similar nonprofits.

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

Revenue Growth

45th percentile

6.7%

Faster revenue growth than 45% of similar nonprofits.

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

Assets

Down

$14,941,004

Down $155,400 (-1.0%) from 2023

Liabilities

Down

$12,366,945

Down $80,370 (-0.6%) from 2023

Net Assets

Down

$2,574,059

Down $75,030 (-2.8%) from 2023

Revenue

Up

$837,776

Up $67,643 (+8.8%) from 2023

Expenses

Up

$912,806

Up $167,462 (+22%) from 2023

Net Income

Down

-$75,030

Down $99,819 (-403%) from 2023

Trend Graphs

Balance Sheet Trend

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

$30M$20M$10M$0Assets 2011: $21,293,368Liabilities 2011: $18,930,128Net Assets 2011: $2,363,2402011Assets 2012: $22,473,998Liabilities 2012: $20,378,439Net Assets 2012: $2,095,5592012Assets 2013: $22,704,911Liabilities 2013: $21,158,198Net Assets 2013: $1,546,7132013Assets 2014: $20,490,971Liabilities 2014: $18,573,836Net Assets 2014: $1,917,1352014Assets 2015: $19,461,541Liabilities 2015: $17,544,049Net Assets 2015: $1,917,4922015Assets 2016: $19,719,177Liabilities 2016: $17,613,919Net Assets 2016: $2,105,2582016Assets 2017: $18,697,151Liabilities 2017: $16,571,331Net Assets 2017: $2,125,8202017Assets 2018: $16,596,663Liabilities 2018: $14,292,441Net Assets 2018: $2,304,2222018Assets 2019: $15,002,155Liabilities 2019: $12,486,369Net Assets 2019: $2,515,7862019Assets 2020: $19,131,237Liabilities 2020: $16,501,504Net Assets 2020: $2,629,7332020Assets 2021: $21,662,700Liabilities 2021: $18,972,750Net Assets 2021: $2,689,9502021Assets 2022: $17,627,058Liabilities 2022: $15,002,758Net Assets 2022: $2,624,3002022Assets 2023: $15,096,404Liabilities 2023: $12,447,315Net Assets 2023: $2,649,0892023Assets 2024: $14,941,004Liabilities 2024: $12,366,945Net Assets 2024: $2,574,0592024

Highlighted filing

2024

Assets$14,941,004
Liabilities$12,366,945
Net Assets$2,574,059

Operations Trend

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

$1.5M$1.0M$500K$0-$500KExpenses 2011: $1,116,6512011Expenses 2012: $1,389,9732012Revenue 2013: $895,729Expenses 2013: $1,340,691Net Income 2013: -$444,9622013Revenue 2014: $997,567Expenses 2014: $643,536Net Income 2014: $354,0312014Revenue 2015: $767,487Expenses 2015: $787,649Net Income 2015: -$20,1622015Revenue 2016: $797,353Expenses 2016: $604,673Net Income 2016: $192,6802016Revenue 2017: $682,874Expenses 2017: $593,588Net Income 2017: $89,2862017Revenue 2018: $821,866Expenses 2018: $641,859Net Income 2018: $180,0072018Revenue 2019: $686,690Expenses 2019: $615,667Net Income 2019: $71,0232019Revenue 2020: $822,696Expenses 2020: $666,432Net Income 2020: $156,2642020Revenue 2021: $825,283Expenses 2021: $765,066Net Income 2021: $60,2172021Revenue 2022: $735,205Expenses 2022: $800,333Net Income 2022: -$65,1282022Revenue 2023: $770,133Expenses 2023: $745,344Net Income 2023: $24,7892023Revenue 2024: $837,776Expenses 2024: $912,806Net Income 2024: -$75,0302024

Highlighted filing

2024

Revenue$837,776
Expenses$912,806
Net Income-$75,030

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.9$12.4$2.57$0.84$0.91$0.08
2023Detailed filing. Detailed filing data is available for this year.$15.1$12.4$2.65$0.77$0.75$0.02
2022Detailed filing. Detailed filing data is available for this year.$17.6$15.0$2.62$0.74$0.80$0.07
2021Detailed filing. Detailed filing data is available for this year.$21.7$19.0$2.69$0.83$0.77$0.06
2020Detailed filing. Detailed filing data is available for this year.$19.1$16.5$2.63$0.82$0.67$0.16
2019Detailed filing. Detailed filing data is available for this year.$15.0$12.5$2.52$0.69$0.62$0.07
2018Detailed filing. Detailed filing data is available for this year.$16.6$14.3$2.30$0.82$0.64$0.18
2017Detailed filing. Detailed filing data is available for this year.$18.7$16.6$2.13$0.68$0.59$0.09
2016Detailed filing. Detailed filing data is available for this year.$19.7$17.6$2.11$0.80$0.60$0.19
2015Detailed filing. Detailed filing data is available for this year.$19.5$17.5$1.92$0.77$0.79$0.02
2014Detailed filing. Detailed filing data is available for this year.$20.5$18.6$1.92$1.00$0.64$0.35
2013Detailed filing. Detailed filing data is available for this year.$22.7$21.2$1.55$0.90$1.34$0.44
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.5$20.4$2.10$1.39
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.3$18.9$2.36$1.12
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 29, 2025
Return Version
2024v5.2
Gross Receipts
$837,776
Mission and Program Overview

Mission

To provide savings accounts and loans to New Jersey Transit Union Members and their families.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$8,190,768$7,983,943▼ $206,825
Cash and Non-Interest-Bearing Accounts$283,812$336,395▲ $52,583
Land, Buildings, and Equipment, Net$7,943$6,908▼ $1,035
Prepaid Expenses and Deferred Charges$5,023$4,627▼ $396
Total Assets$15,096,404$14,941,004▼ $155,400
Other Assets Total$6,608,858$6,609,131▲ $273
Liabilities
Other Liabilities$12,383,662$12,299,549▼ $84,113
Accounts Payable and Accrued Expenses$63,653$67,396▲ $3,743
Total Liabilities$12,447,315$12,366,945▼ $80,370
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,510,990$2,435,960▼ $75,030
Net Assets With Donor Restrictions$138,099$138,099→ $0
Total Net Assets Fund Balance$2,649,089$2,574,059▼ $75,030
Total Liabilities and Net Assets / Fund Balance$15,096,404$14,941,004▼ $155,400

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$6,908$44,041$50,949
Other Assets Org$56,794--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Shirley KingManagerFT$70,688$70,688
Gloria RiveraAssistant ManagerFT$56,658$56,658
Alexandria BurroughsTellerFT$51,305$51,305
Orlando RileyChairmanPT$18,000$18,000
Clarise TabronFinancial SecretaryPT$8,400$8,400
Sakinah LigonDirector-$6,960$6,960
Darrell LampleyDirector-$6,600$6,600
Jermaine BatemonDirector-$6,600$6,600
Kenytta JohnsonDirector-$6,600$6,600
Veronica CobbDirector-$6,600$6,600
Lakisha EwellSupervisory Comm-$804$804
Lysandra MimyCommittee Mbr-$402$402
Darina WashingtonCommittee Member-$201$201
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$644,692
Investment Income
$193,084
Other Revenue
$0
Change in Net Assets
$-75,030
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$645,239
Salaries, Compensation, and Employee Benefits$267,567
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$239,818--$239,818
Other Expenses$220,913--$220,913
Interest$211,993--$211,993
Office Expenses$55,858--$55,858
Insurance$49,986--$49,986
Fees for Services Accounting$40,892--$40,892
Information Technology$33,782--$33,782
Occupancy$25,962--$25,962
Payroll Taxes$21,678--$21,678
Pension Plan Contributions$6,071--$6,071
Depreciation Depletion$1,035--$1,035
Total Functional Expenses$912,806$0$0$912,806
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member share deposits$12,299,549
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

New Jersey Transit Union Members are eligible to join the credit union. Upon joining each member is eligible to be nominated as a director and obtains voting rights to nominate and elect members to the board of directors.

Member election for additional members Part VI line 7A

Each April there is a full membership meeting. The annual meeting also serves as an election for seats to the Board of Directors. Every credit union member can be nominated and run or nominate another member for the Board of Directors.

Form 990 governing body review Part VI line 11

Form 990 is presented to officers for review, approval and acceptance.

Governing documents etc available to public Part VI line 19

All governing documents, policies and financial statements are available for inspection upon request at the entities offices.

Filing and Contact Details

Filer

Filer Name
Div 819 Transit Employees CU
EIN
22-1500095
In Care Of
% Shirley King
Phone
9733732332
Address
186 Brookside Ave, Irvington, NJ 07111

Signing Officer

Name
Shirley King
Title
Manager
Phone
9733732332
Signed
2025-10-29
Discuss with paid preparer
Yes

Organization Details

Formed
1945
Legal Domicile
Nj
Voting Board Members
7
Independent Board Members
0
Employees
13

Preparer

Firm
Robert Breining CPA
Address
18 Quail Hollow Dr, Oak Island, NC 28465
Preparer
Robert Breining
Phone
2016935977
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IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt02510990
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt02435960
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt025962
IRS990/OccupancyGrp/TotalAmt025962
IRS990/OfficeExpensesGrp/ProgramServicesAmt055858
IRS990/OfficeExpensesGrp/TotalAmt055858
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06608858
IRS990/OtherAssetsTotalGrp/EOYAmt06609131
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0Collection expense
IRS990/OtherExpensesGrp/Desc1Provision for Loan Loss
IRS990/OtherExpensesGrp/ProgramServicesAmt04818
IRS990/OtherExpensesGrp/ProgramServicesAmt1220913
IRS990/OtherExpensesGrp/TotalAmt04818
IRS990/OtherExpensesGrp/TotalAmt1220913
IRS990/OtherLiabilitiesGrp/BOYAmt012383662
IRS990/OtherLiabilitiesGrp/EOYAmt012299549
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt021678
IRS990/PayrollTaxesGrp/TotalAmt021678
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt06071
IRS990/PensionPlanContributionsGrp/TotalAmt06071
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt05023
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt04627
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans
IRS990/ProgramServiceRevenueGrp/Desc1Processing fee income
IRS990/ProgramServiceRevenueGrp/Desc2CDI insur commission
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0637071
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13539
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt24082
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0637071
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13539
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt24082
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0108064
IRS990/PYOtherExpensesAmt0485015
IRS990/PYProgramServiceRevenueAmt0662069
IRS990/PYRevenuesLessExpensesAmt024789
IRS990/PYSalariesCompEmpBnftPaidAmt0260329
IRS990/PYTotalExpensesAmt0745344
IRS990/PYTotalRevenueAmt0770133
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0-75030
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0837776
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08190768
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07983943
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt06908
IRS990ScheduleD/EquipmentGrp/DepreciationAmt044041
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt050949
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt06430992
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1121345
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt256794
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0Member loans receivable
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUSIF Captial
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2Accrued interest income
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt012299549
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member share deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06908
IRS990ScheduleD/TotalBookValueOtherAssetsAmt06609131
IRS990ScheduleD/TotalLiabilityAmt012299549
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0New Jersey Transit Union Members are eligible to join the credit union. Upon joining each member is eligible to be nominated as a director and obtains voting rights to nominate and elect members to the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Each April there is a full membership meeting. The annual meeting also serves as an election for seats to the Board of Directors. Every credit union member can be nominated and run or nominate another member for the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Form 990 is presented to officers for review, approval and acceptance.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3All governing documents, policies and financial statements are available for inspection upon request at the entities offices.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt015096404
IRS990/TotalAssetsEOYAmt014941004
IRS990/TotalAssetsGrp/BOYAmt015096404
IRS990/TotalAssetsGrp/EOYAmt014941004
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0912806
IRS990/TotalFunctionalExpensesGrp/TotalAmt0912806
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt012447315
IRS990/TotalLiabilitiesEOYAmt012366945
IRS990/TotalLiabilitiesGrp/BOYAmt012447315
IRS990/TotalLiabilitiesGrp/EOYAmt012366945
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02649089
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02574059
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0912806
IRS990/TotalProgramServiceRevenueAmt0644692
IRS990/TotalReportableCompFromOrgAmt0239818
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0837776
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0837776
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt015096404
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt014941004
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt00
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SHIRLEY KING
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum09733732332
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Div 819 Transit Employees CU
ReturnHeader/Filer/BusinessNameControlTxt0DIV8
ReturnHeader/Filer/EIN0221500095
ReturnHeader/Filer/InCareOfNm0% Shirley King
ReturnHeader/Filer/PhoneNum09733732332
ReturnHeader/Filer/USAddress/AddressLine1Txt0186 Brookside Ave
ReturnHeader/Filer/USAddress/CityNm0Irvington
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NJ
ReturnHeader/Filer/USAddress/ZIPCd007111
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0223356591
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Robert Breining CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt018 Quail Hollow Dr
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Oak Island
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd028465
ReturnHeader/PreparerPersonGrp/PhoneNum02016935977
ReturnHeader/PreparerPersonGrp/PreparationDt02025-10-31
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ROBERT BREINING
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-10-31T19:08:02-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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