Civic Intelligence

DIV 819 Transit Employees Cu

990 • Fiscal year 2013 • EIN 22-1500095

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 13, 2014

Organization Profile
186 Brookside Ave07111

(973) 373-2332

Siviq Scores

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

Liabilities / Assets

96th percentile

0.93x

Higher debt load relative to assets than 96% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

69th percentile

23.62x

Higher debt load relative to revenue than 69% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

2nd percentile

-50%

Higher net margin than 2% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

27th percentile

$53,454

Higher top officer pay than 27% of similar nonprofits.

Top officer pay equals 6.0% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

44th percentile

1.0%

Faster asset growth than 44% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets96th percentile

Assets

Up

$22,704,911

Up $230,913 (+1.0%) from 2012

Net Assets

Down

$1,546,713

Down $548,846 (-26%) from 2012

Liabilities

Up

$21,158,198

Up $779,759 (+3.8%) from 2012

Revenue And Expenses
Liabilities / Revenue69th percentileNet Margin2nd percentile

Revenue

$895,729

No earlier filing loaded for comparison.

Expenses

Down

$1,340,691

Down $49,282 (-3.5%) from 2012

Net Income

-$444,962

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth44th percentile

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

$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

2013

Assets$22,704,911
Liabilities$21,158,198
Net Assets$1,546,713
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2013

Revenue$895,729
Expenses$1,340,691
Net Income-$444,962
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 13, 2014
Return Version
2013v3.1
Gross Receipts
$895,729
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$10,090,421$13,626,329▲ $3,535,908
Investments in Publicly Traded Securities$6,551,439$3,713,245▼ $2,838,194
Cash and Non-Interest-Bearing Accounts$460,289$325,772▼ $134,517
Land, Buildings, and Equipment, Net$25,372$18,210▼ $7,162
Prepaid Expenses and Deferred Charges$8,311$5,371▼ $2,940
Total Assets$22,473,998$22,704,911▲ $230,913
Other Assets Total$5,338,166$5,015,984▼ $322,182
Liabilities
Other Liabilities$20,157,977$21,000,770▲ $842,793
Accounts Payable and Accrued Expenses$220,462$157,428▼ $63,034
Total Liabilities$20,378,439$21,158,198▲ $779,759
Net Assets / Fund Balance
Unrestricted Net Assets$1,957,460$1,408,614▼ $548,846
Permanently Rstr Net Assets$138,099$138,099→ $0
Total Net Assets Fund Balance$2,095,559$1,546,713▼ $548,846
Total Liabilities and Net Assets / Fund Balance$22,473,998$22,704,911▲ $230,913

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$18,210$25,535$43,745
Other Assets Org$52,297--
Compensation and Service Providers
Top Officer Pay27th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Shirley KingManagerFT$53,454$53,454
Gloria HernandezAssistant ManagerFT$25,490$25,490
Clarise TabronFinancial SecretaryPT$16,005$16,005
Fondrea LewisAssistant ManagerFT$14,330$14,330
Benjamin EvansChairmanPT$14,055$14,055
Rosangela BritoAssistant ManagerFT$11,654$11,654
Veronica CobbDirector-$7,317$7,317
Thomas StocksDirector-$6,807$6,807
John SlaterDirector-$6,807$6,807
Orlando RileyDirector-$6,581$6,581
Sakinah LigonDirector-$5,157$5,157
Sam IdlettDirector-$1,105$1,105
Eugenia AncionDirector-$952$952
Francis Alexander-HiggsDirector-$502$502
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$791,619
Investment Income
$78,705
Other Revenue
$25,405
Change in Net Assets
$-444,962
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,141,268
Salaries, Compensation, and Employee Benefits$197,084
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$559,965--$559,965
Current Officers, Directors, Trustees, and Key Employees$170,216--$170,216
Fees for Services Accounting$74,267--$74,267
Insurance$72,423--$72,423
Fees for Service Investment Mgmnt Fees$51,710--$51,710
Office Expenses$38,610--$38,610
Payroll Taxes$26,868--$26,868
Occupancy$25,819--$25,819
Information Technology$20,998--$20,998
Conferences and Meetings$6,660--$6,660
Benefits to Members$2,339--$2,339
Fees for Services Legal$1,761--$1,761
Other Expenses$1,097--$1,097
Total Functional Expenses$1,340,691$0$0$1,340,691
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$21,000,770
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
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
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 officer's 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

EIN
22-1500095

Signing Officer

Name
Clarise Tabron
Title
Financial Secre
Phone
9733732332
Signed
2014-08-13
Discuss with paid preparer
No

Organization Details

Formed
1945
Legal Domicile
Nj
Voting Board Members
7
Independent Board Members
0
Employees
14

Preparer

Preparer
Robert Breining
Phone
2018575250
Raw XML AppendixShowing 400 of 405 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0220462
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0157428
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0To provide savings accounts and loans to New Jersey Transit Union Members and their families.
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/ProgramServicesAmt02339
IRS990/BenefitsToMembersGrp/TotalAmt02339
IRS990/BooksInCareOfDetail/PersonNm0Div 819 Transit Employees CU
IRS990/BooksInCareOfDetail/PhoneNum09733732332
IRS990/BooksInCareOfDetail/USAddress/AddressLine10186 Brookside Ave
IRS990/BooksInCareOfDetail/USAddress/City0Irvington
IRS990/BooksInCareOfDetail/USAddress/State0NJ
IRS990/BooksInCareOfDetail/USAddress/ZIPCode007111
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0460289
IRS990/CashNonInterestBearingGrp/EOYAmt0325772
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0170216
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0170216
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt06660
IRS990/ConferencesMeetingsGrp/TotalAmt06660
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt02339
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt078705
IRS990/CYOtherExpensesAmt01141268
IRS990/CYOtherRevenueAmt025405
IRS990/CYProgramServiceRevenueAmt0791619
IRS990/CYRevenuesLessExpensesAmt0-444962
IRS990/CYSalariesCompEmpBnftPaidAmt0197084
IRS990/CYTotalExpensesAmt01340691
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0895729
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0Provided savings account and loans to New Jersey Transit Union Members and their families.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt014
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt01340691
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt074267
IRS990/FeesForServicesAccountingGrp/TotalAmt074267
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt01761
IRS990/FeesForServicesLegalGrp/TotalAmt01761
IRS990/FeesForSrvcInvstMgmntFeesGrp/ProgramServicesAmt051710
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt051710
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form1098CFiledInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form8899Filedind0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt130.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt010.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt110.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt34.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1035.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1135.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1235.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1335.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/PersonNm0Benjamin Evans
IRS990/Form990PartVIISectionAGrp/PersonNm1Clarise Tabron
IRS990/Form990PartVIISectionAGrp/PersonNm2John Slater
IRS990/Form990PartVIISectionAGrp/PersonNm3Thomas Stocks
IRS990/Form990PartVIISectionAGrp/PersonNm4Orlando Riley
IRS990/Form990PartVIISectionAGrp/PersonNm5Veronica Cobb
IRS990/Form990PartVIISectionAGrp/PersonNm6Francis Alexander-Higgs
IRS990/Form990PartVIISectionAGrp/PersonNm7Eugenia Ancion
IRS990/Form990PartVIISectionAGrp/PersonNm8Sam Idlett
IRS990/Form990PartVIISectionAGrp/PersonNm9Sakinah Ligon
IRS990/Form990PartVIISectionAGrp/PersonNm10Shirley King
IRS990/Form990PartVIISectionAGrp/PersonNm11Gloria Hernandez
IRS990/Form990PartVIISectionAGrp/PersonNm12Rosangela Brito
IRS990/Form990PartVIISectionAGrp/PersonNm13Fondrea Lewis
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt014055
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt116005
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt26807
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt36807
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt46581
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt57317
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6502
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7952
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt81105
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt95157
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1053454
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1125490
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1211654
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1314330
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
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Financial Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt11Assistant Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt12Assistant Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt13Assistant Manager
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01945
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0895729
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt020998
IRS990/InformationTechnologyGrp/TotalAmt020998
IRS990/InsuranceGrp/ProgramServicesAmt072423
IRS990/InsuranceGrp/TotalAmt072423
IRS990/InterestGrp/ProgramServicesAmt0559965
IRS990/InterestGrp/TotalAmt0559965
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt078705
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt078705
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsPubTradedSecGrp/BOYAmt06551439
IRS990/InvestmentsPubTradedSecGrp/EOYAmt03713245
IRS990/IRPDocumentCnt01
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt025535
IRS990/LandBldgEquipBasisNetGrp/BOYAmt025372
IRS990/LandBldgEquipBasisNetGrp/EOYAmt018210
IRS990/LandBldgEquipCostOrOtherBssAmt043745
IRS990/LegalDomicileStateCd0NJ
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0To provide savings accounts and loans to New Jersey Transit Union Members and their families.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt02095559
IRS990/NetAssetsOrFundBalancesEOYAmt01546713
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-103884
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt025819
IRS990/OccupancyGrp/TotalAmt025819
IRS990/OfficeExpensesGrp/ProgramServicesAmt038610
IRS990/OfficeExpensesGrp/TotalAmt038610
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05338166
IRS990/OtherAssetsTotalGrp/EOYAmt05015984
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0Prov for loan losses
IRS990/OtherExpensesGrp/Desc1Stablization exp NCUA
IRS990/OtherExpensesGrp/Desc2Education & promotion
IRS990/OtherExpensesGrp/Desc3Collection expense
IRS990/OtherExpensesGrp/ProgramServicesAmt0269479
IRS990/OtherExpensesGrp/ProgramServicesAmt116579
IRS990/OtherExpensesGrp/ProgramServicesAmt21900
IRS990/OtherExpensesGrp/ProgramServicesAmt31097
IRS990/OtherExpensesGrp/TotalAmt0269479
IRS990/OtherExpensesGrp/TotalAmt116579
IRS990/OtherExpensesGrp/TotalAmt21900
IRS990/OtherExpensesGrp/TotalAmt31097
IRS990/OtherLiabilitiesGrp/BOYAmt020157977
IRS990/OtherLiabilitiesGrp/EOYAmt021000770
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0Educ accrual reversed
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt025405
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt025405
IRS990/OtherRevenueTotalAmt025405
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt026868
IRS990/PayrollTaxesGrp/TotalAmt026868
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt0138099
IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt0138099
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt08311
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt05371
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans
IRS990/ProgramServiceRevenueGrp/Desc1Processing fee income
IRS990/ProgramServiceRevenueGrp/Desc2CDI insurance commissio
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0786929
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11444
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt23246
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0786929
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11444
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23246
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0252788
IRS990/PYOtherExpensesAmt01242985
IRS990/PYProgramServiceRevenueAmt0889253
IRS990/PYRevenuesLessExpensesAmt0-247932
IRS990/PYSalariesCompEmpBnftPaidAmt0146988
IRS990/PYTotalExpensesAmt01389973
IRS990/PYTotalRevenueAmt01142041
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0-444962
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0895729
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010090421
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013626329
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt018210
IRS990ScheduleD/EquipmentGrp/DepreciationAmt025535
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt043745
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt04762107
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1201580
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt252297
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0Member loans receivable
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUSIF Captial
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2Accrued interest income
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt021000770
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member share deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt018210
IRS990ScheduleD/TotalBookValueOtherAssetsAmt05015984
IRS990ScheduleD/TotalLiabilityAmt021000770
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 officer's 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/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt022473998
IRS990/TotalAssetsEOYAmt022704911
IRS990/TotalAssetsGrp/BOYAmt022473998
IRS990/TotalAssetsGrp/EOYAmt022704911
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt014
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01340691
IRS990/TotalFunctionalExpensesGrp/TotalAmt01340691
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt020378439
IRS990/TotalLiabilitiesEOYAmt021158198
IRS990/TotalLiabilitiesGrp/BOYAmt020378439
IRS990/TotalLiabilitiesGrp/EOYAmt021158198
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02095559
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01546713
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt01340691
IRS990/TotalProgramServiceRevenueAmt0791619
IRS990/TotalReportableCompFromOrgAmt0170216
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0895729
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0895729
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt022473998
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt022704911
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt01957460
IRS990/UnrestrictedNetAssetsGrp/EOYAmt01408614
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt00
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Clarise Tabron
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Financial Secre
ReturnHeader/BusinessOfficerGrp/PhoneNum09733732332
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-08-13
ReturnHeader/Filer/BusinessName/BusinessNameLine10Div 819 Transit Employees CU
ReturnHeader/Filer/BusinessNameControlTxt0DIV8
ReturnHeader/Filer/EIN0221500095
ReturnHeader/Filer/USAddress/AddressLine10186 Brookside Ave
ReturnHeader/Filer/USAddress/City0Irvington
ReturnHeader/Filer/USAddress/State0NJ
ReturnHeader/Filer/USAddress/ZIPCode007111
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0223356591
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10Robert Breining CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10555 Goffle Road Ste 202
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Ridgewood
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0NJ
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode007450
ReturnHeader/PreparerPersonGrp/PhoneNum02018575250
ReturnHeader/PreparerPersonGrp/PreparationDt02014-08-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Robert Breining
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$22,704,911
Liabilities
$21,158,198
Net assets
$1,546,713
Revenue
$895,729
Expenses
$1,340,691
Net income
-$444,962
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $10M-$25M nonprofits