Civic Intelligence

DIV 819 Transit Employees Cu

990 • Fiscal year 2016 • EIN 22-1500095

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 09, 2017

Organization Profile
186 Brookside AveIrvington, NJ 07111

(973) 373-2332

Siviq Scores

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

Liabilities / Assets

71st percentile

0.89x

Higher debt load relative to assets than 71% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

60th percentile

22.09x

Higher debt load relative to revenue than 60% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

93rd percentile

24%

Higher net margin than 93% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

30th percentile

$58,633

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 7.4% of source-year revenue.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

46th percentile

1.3%

Faster asset growth than 46% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

62nd percentile

3.9%

Faster revenue growth than 62% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets71st percentile

Assets

Up

$19,719,177

Up $257,636 (+1.3%) from 2015

Net Assets

Up

$2,105,258

Up $187,766 (+9.8%) from 2015

Liabilities

Up

$17,613,919

Up $69,870 (+0.4%) from 2015

Revenue And Expenses
Liabilities / Revenue60th percentileNet Margin93rd percentile

Revenue

Up

$797,353

Up $29,866 (+3.9%) from 2015

Expenses

Down

$604,673

Down $182,976 (-23%) from 2015

Net Income

Up

$192,680

Up $212,842 (+1056%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth46th 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

2016

Assets$19,719,177
Liabilities$17,613,919
Net Assets$2,105,258
Open 2016 Filing

Operations Trend

Revenue Growth62nd percentile

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

2016

Revenue$797,353
Expenses$604,673
Net Income$192,680
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 9, 2017
Return Version
2016v3.0
Gross Receipts
$797,353
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$10,610,671$12,681,058▲ $2,070,387
Investments in Publicly Traded Securities$4,094,325$1,850,326▼ $2,243,999
Cash and Non-Interest-Bearing Accounts$282,236$325,763▲ $43,527
Land, Buildings, and Equipment, Net$11,121$8,913▼ $2,208
Prepaid Expenses and Deferred Charges$6,711$7,078▲ $367
Total Assets$19,461,541$19,719,177▲ $257,636
Other Assets Total$4,456,477$4,846,039▲ $389,562
Liabilities
Other Liabilities$17,359,805$17,398,547▲ $38,742
Accounts Payable and Accrued Expenses$184,244$215,372▲ $31,128
Total Liabilities$17,544,049$17,613,919▲ $69,870
Net Assets / Fund Balance
Unrestricted Net Assets$1,779,393$1,967,159▲ $187,766
Permanently Rstr Net Assets$138,099$138,099→ $0
Total Net Assets Fund Balance$1,917,492$2,105,258▲ $187,766
Total Liabilities and Net Assets / Fund Balance$19,461,541$19,719,177▲ $257,636

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$8,913$34,832$43,745
Other Assets Org$23,535--
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Shirley KingManagerFT$58,633$58,633
Gloria RiveraAssistant ManagerFT$37,364$37,364
Alexandria BurroughsTellerFT$30,275$30,275
Orlando RileyChairman-$27,300$27,300
Clarise TabronFinancial SecretaryPT$15,000$15,000
Veronica CobbDirector-$5,760$5,760
Thomas StocksDirector-$5,400$5,400
Sakinah LigonDirector-$5,400$5,400
Darrell LampleyDirector-$3,600$3,600
Jermaine BatemonDirector-$3,600$3,600
John SlaterDirector-$2,250$2,250
Sam IdlettDirector-$2,210$2,210
Francis AlexanderDirector-$1,206$1,206
Lysandra MimyDirector-$804$804
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$693,962
Investment Income
$103,391
Other Revenue
$0
Change in Net Assets
$192,680
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$378,965
Salaries, Compensation, and Employee Benefits$225,708
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$198,802--$198,802
Interest$166,764--$166,764
Fees for Service Investment Mgmnt Fees$53,617--$53,617
Insurance$44,667--$44,667
Office Expenses$37,727--$37,727
Payroll Taxes$25,892--$25,892
Fees for Services Accounting$22,963--$22,963
Occupancy$20,898--$20,898
Information Technology$18,735--$18,735
Fees for Services Legal$6,817--$6,817
Other Expenses$2,639--$2,639
Depreciation Depletion$2,208--$2,208
Conferences and Meetings$1,930--$1,930
Pension Plan Contributions$1,014--$1,014
Total Functional Expenses$604,673$0$0$604,673
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 share deposits$17,398,547
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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 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
Address
186 Brookside Ave, Irvington, NJ 07111

Signing Officer

Name
Clarise Tabron
Title
Manger
Phone
9733732332
Signed
2017-11-09
Discuss with paid preparer
Yes

Organization Details

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

Preparer

Firm
Robert Breining
Address
18 Quail Hollow Drive, Oak Island, NC 28465
Preparer
Robert Breining
Phone
2016935977
Raw XML AppendixShowing 400 of 406 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/BOYAmt0184244
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0215372
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0To provide savings accounts and loans to New Jersey Transit Union Members and their families.
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0Shirley King
IRS990/BooksInCareOfDetail/PhoneNum09733732332
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0186 Brookside Ave
IRS990/BooksInCareOfDetail/USAddress/CityNm0Irvington
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NJ
IRS990/BooksInCareOfDetail/USAddress/ZIPCd007111
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0282236
IRS990/CashNonInterestBearingGrp/EOYAmt0325763
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0198802
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0198802
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt01930
IRS990/ConferencesMeetingsGrp/TotalAmt01930
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0103391
IRS990/CYOtherExpensesAmt0378965
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0693962
IRS990/CYRevenuesLessExpensesAmt0192680
IRS990/CYSalariesCompEmpBnftPaidAmt0225708
IRS990/CYTotalExpensesAmt0604673
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0797353
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ProgramServicesAmt02208
IRS990/DepreciationDepletionGrp/TotalAmt02208
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/ExpenseAmt0604673
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt022963
IRS990/FeesForServicesAccountingGrp/TotalAmt022963
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt06817
IRS990/FeesForServicesLegalGrp/TotalAmt06817
IRS990/FeesForSrvcInvstMgmntFeesGrp/ProgramServicesAmt053617
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt053617
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/AverageHoursPerWeekRt14.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt82.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt92.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt102.00
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/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
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/PersonNm0Clarise Tabron
IRS990/Form990PartVIISectionAGrp/PersonNm1Thomas Stocks
IRS990/Form990PartVIISectionAGrp/PersonNm2Francis Alexander
IRS990/Form990PartVIISectionAGrp/PersonNm3Sam Idlett
IRS990/Form990PartVIISectionAGrp/PersonNm4Sakinah Ligon
IRS990/Form990PartVIISectionAGrp/PersonNm5Jermaine Batemon
IRS990/Form990PartVIISectionAGrp/PersonNm6Lysandra Mimy
IRS990/Form990PartVIISectionAGrp/PersonNm7Darrell Lampley
IRS990/Form990PartVIISectionAGrp/PersonNm8John Slater
IRS990/Form990PartVIISectionAGrp/PersonNm9Orlando Riley
IRS990/Form990PartVIISectionAGrp/PersonNm10Veronica Cobb
IRS990/Form990PartVIISectionAGrp/PersonNm11Shirley King
IRS990/Form990PartVIISectionAGrp/PersonNm12Gloria Rivera
IRS990/Form990PartVIISectionAGrp/PersonNm13Alexandria Burroughs
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt015000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15400
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21206
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt32210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt45400
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt53600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6804
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt73600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt82250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt927300
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt105760
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1158633
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1237364
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1330275
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/TitleTxt0Financial Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt12Assistant Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt13Teller
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01945
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0797353
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt018735
IRS990/InformationTechnologyGrp/TotalAmt018735
IRS990/InsuranceGrp/ProgramServicesAmt044667
IRS990/InsuranceGrp/TotalAmt044667
IRS990/InterestGrp/ProgramServicesAmt0166764
IRS990/InterestGrp/TotalAmt0166764
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0103391
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0103391
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsPubTradedSecGrp/BOYAmt04094325
IRS990/InvestmentsPubTradedSecGrp/EOYAmt01850326
IRS990/IRPDocumentCnt01
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt034832
IRS990/LandBldgEquipBasisNetGrp/BOYAmt011121
IRS990/LandBldgEquipBasisNetGrp/EOYAmt08913
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/NetAssetsOrFundBalancesBOYAmt01917492
IRS990/NetAssetsOrFundBalancesEOYAmt02105258
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-4914
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt020898
IRS990/OccupancyGrp/TotalAmt020898
IRS990/OfficeExpensesGrp/ProgramServicesAmt037727
IRS990/OfficeExpensesGrp/TotalAmt037727
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04456477
IRS990/OtherAssetsTotalGrp/EOYAmt04846039
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0Collection expense
IRS990/OtherExpensesGrp/ProgramServicesAmt02639
IRS990/OtherExpensesGrp/TotalAmt02639
IRS990/OtherLiabilitiesGrp/BOYAmt017359805
IRS990/OtherLiabilitiesGrp/EOYAmt017398547
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt025892
IRS990/PayrollTaxesGrp/TotalAmt025892
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt01014
IRS990/PensionPlanContributionsGrp/TotalAmt01014
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt0138099
IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt0138099
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt06711
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt07078
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans
IRS990/ProgramServiceRevenueGrp/Desc1Processing fee income
IRS990/ProgramServiceRevenueGrp/Desc2CDI insur commission
IRS990/ProgramServiceRevenueGrp/Desc3Loan loss recovery
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0597667
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13834
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22772
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt389689
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0597667
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13834
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22772
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt389689
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0109366
IRS990/PYOtherExpensesAmt0571284
IRS990/PYProgramServiceRevenueAmt0658121
IRS990/PYRevenuesLessExpensesAmt0-20162
IRS990/PYSalariesCompEmpBnftPaidAmt0216365
IRS990/PYTotalExpensesAmt0787649
IRS990/PYTotalRevenueAmt0767487
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0192680
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0797353
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010610671
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012681058
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt08913
IRS990ScheduleD/EquipmentGrp/DepreciationAmt034832
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt043745
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt04653816
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1168688
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt223535
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0Member loans receivable
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUSIF Captial
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2Accrued interest income
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt017398547
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member share deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08913
IRS990ScheduleD/TotalBookValueOtherAssetsAmt04846039
IRS990ScheduleD/TotalLiabilityAmt017398547
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/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt019461541
IRS990/TotalAssetsEOYAmt019719177
IRS990/TotalAssetsGrp/BOYAmt019461541
IRS990/TotalAssetsGrp/EOYAmt019719177
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt014
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0604673
IRS990/TotalFunctionalExpensesGrp/TotalAmt0604673
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt017544049
IRS990/TotalLiabilitiesEOYAmt017613919
IRS990/TotalLiabilitiesGrp/BOYAmt017544049
IRS990/TotalLiabilitiesGrp/EOYAmt017613919
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01917492
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02105258
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0604673
IRS990/TotalProgramServiceRevenueAmt0693962
IRS990/TotalReportableCompFromOrgAmt0198802
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0797353
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0797353
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt019461541
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt019719177
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt01779393
IRS990/UnrestrictedNetAssetsGrp/EOYAmt01967159
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt00
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Clarise Tabron
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manger
ReturnHeader/BusinessOfficerGrp/PhoneNum09733732332
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-11-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Div 819 Transit Employees CU
ReturnHeader/Filer/BusinessNameControlTxt0DIV8
ReturnHeader/Filer/EIN0221500095
ReturnHeader/Filer/USAddress/AddressLine1Txt0186 Brookside Ave
ReturnHeader/Filer/USAddress/CityNm0Irvington
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NJ
ReturnHeader/Filer/USAddress/ZIPCd007111
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId073331AEFED5E37C5BB26E157C0FA2FE4A0BC882A
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId073331AEFED5E37C5BB26E157C0FA2FE4A0BC882A
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId02223162017318lawyilq
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02017-11-14
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0174.106.22.145
ReturnHeader/FilingSecurityInformation/IPDt02017-11-14
ReturnHeader/FilingSecurityInformation/IPTm009:38:09
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0223356591
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Robert Breining
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt018 Quail Hollow Drive
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Oak Island
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd028465
ReturnHeader/PreparerPersonGrp/PhoneNum02016935977
ReturnHeader/PreparerPersonGrp/PreparationDt02017-11-04
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Robert Breining

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$19,719,177
Liabilities
$17,613,919
Net assets
$2,105,258
Revenue
$797,353
Expenses
$604,673
Net income
$192,680
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