Civic Intelligence

Lehigh Valley Educators

EIN 23-0338105 • 501(c)14 • Allentown, PA

Profile

The lehigh valley educators credit union, a not for profit financial service organization, provides quality financial services of exceptional value to each member while maintaining a sound business structure.

3720 Hamilton BlvdAllentown, PA 18103

www.lvecu.org

Siviq Scores

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

Liabilities / Assets

28th percentile

0.88x

Higher debt load relative to assets than 28% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

89th percentile

20.33x

Higher debt load relative to revenue than 89% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

76th percentile

16%

Higher net margin than 76% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

74th percentile

6.2%

Faster asset growth than 74% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

99th percentile

54%

Faster revenue growth than 99% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Assets

Up

$437,645,185

Up $25,602,910 (+6.2%) from 2023

Liabilities

Up

$385,983,071

Up $21,085,503 (+5.8%) from 2023

Net Assets

Up

$51,662,114

Up $4,517,407 (+9.6%) from 2023

Revenue

Up

$18,987,821

Up $6,675,938 (+54%) from 2023

Expenses

Up

$15,962,660

Up $4,375,108 (+38%) from 2023

Net Income

Up

$3,025,161

Up $2,300,830 (+318%) from 2023

Trend Graphs

Balance Sheet Trend

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

$600M$400M$200M$0Assets 2010: $263,273,587Liabilities 2010: $222,329,772Net Assets 2010: $40,943,8152010Assets 2011: $275,286,370Liabilities 2011: $231,027,327Net Assets 2011: $44,259,0432011Assets 2012: $290,138,514Liabilities 2012: $242,511,057Net Assets 2012: $47,627,4572012Assets 2013: $290,624,992Liabilities 2013: $243,914,692Net Assets 2013: $46,710,3002013Assets 2014: $294,982,131Liabilities 2014: $246,503,839Net Assets 2014: $48,478,2922014Assets 2015: $303,459,698Liabilities 2015: $254,000,207Net Assets 2015: $49,459,4912015Assets 2016: $312,575,571Liabilities 2016: $263,067,463Net Assets 2016: $49,508,1082016Assets 2017: $312,635,473Liabilities 2017: $261,521,312Net Assets 2017: $51,114,1612017Assets 2018: $311,640,748Liabilities 2018: $260,162,633Net Assets 2018: $51,478,1152018Assets 2019: $324,277,675Liabilities 2019: $267,636,999Net Assets 2019: $56,640,6762019Assets 2020: $377,145,467Liabilities 2020: $316,519,400Net Assets 2020: $60,626,0672020Assets 2021: $408,699,262Liabilities 2021: $349,447,989Net Assets 2021: $59,251,2732021Assets 2022: $400,823,762Liabilities 2022: $361,411,200Net Assets 2022: $39,412,5622022Assets 2023: $412,042,275Liabilities 2023: $364,897,568Net Assets 2023: $47,144,7072023Assets 2024: $437,645,185Liabilities 2024: $385,983,071Net Assets 2024: $51,662,1142024

Highlighted filing

2024

Assets$437,645,185
Liabilities$385,983,071
Net Assets$51,662,114

Operations Trend

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

$20M$15M$10M$5.0M$0Expenses 2010: $7,906,1002010Revenue 2011: $9,356,846Expenses 2011: $7,060,276Net Income 2011: $2,296,5702011Expenses 2012: $6,388,7842012Revenue 2013: $7,938,226Expenses 2013: $6,262,723Net Income 2013: $1,675,5032013Revenue 2014: $7,887,540Expenses 2014: $6,184,136Net Income 2014: $1,703,4042014Revenue 2015: $8,016,113Expenses 2015: $5,909,174Net Income 2015: $2,106,9392015Revenue 2016: $8,456,325Expenses 2016: $6,401,640Net Income 2016: $2,054,6852016Revenue 2017: $9,156,917Expenses 2017: $7,080,322Net Income 2017: $2,076,5952017Revenue 2018: $10,272,832Expenses 2018: $7,723,048Net Income 2018: $2,549,7842018Revenue 2019: $11,097,482Expenses 2019: $8,617,059Net Income 2019: $2,480,4232019Revenue 2020: $10,263,879Expenses 2020: $8,084,715Net Income 2020: $2,179,1642020Revenue 2021: $9,686,113Expenses 2021: $7,367,598Net Income 2021: $2,318,5152021Revenue 2022: $11,017,714Expenses 2022: $7,914,560Net Income 2022: $3,103,1542022Revenue 2023: $12,311,883Expenses 2023: $11,587,552Net Income 2023: $724,3312023Revenue 2024: $18,987,821Expenses 2024: $15,962,660Net Income 2024: $3,025,1612024

Highlighted filing

2024

Revenue$18,987,821
Expenses$15,962,660
Net Income$3,025,161

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$438$386$51.7$19.0$16.0$3.03
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$412$365$47.1$12.3$11.6$0.72
2022Detailed filing. Detailed filing data is available for this year.$401$361$39.4$11.0$7.91$3.10
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$409$349$59.3$9.69$7.37$2.32
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$377$317$60.6$10.3$8.08$2.18
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$324$268$56.6$11.1$8.62$2.48
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$312$260$51.5$10.3$7.72$2.55
2017Detailed filing. Detailed filing data is available for this year.$313$262$51.1$9.16$7.08$2.08
2016Detailed filing. Detailed filing data is available for this year.$313$263$49.5$8.46$6.40$2.05
2015Detailed filing. Detailed filing data is available for this year.$303$254$49.5$8.02$5.91$2.11
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$295$247$48.5$7.89$6.18$1.70
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$291$244$46.7$7.94$6.26$1.68
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$290$243$47.6$6.39
2011Summary only. Only limited summary data is available for this year.$275$231$44.3$9.36$7.06$2.30
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$263$222$40.9$7.91
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 14, 2023
Return Version
2022v5.0
Gross Receipts
$68,225,875
Mission and Program Overview

Mission

Maintain financial soundness while empowering members to work toward financial success.

Maintain financial soundness while empowering members to work toward financial success

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$266,633,533$258,739,952▼ $7,893,581
Other Notes and Loans Receivable, Net$96,506,978$111,005,867▲ $14,498,889
Savings and Temporary Cash Investments$33,559,316$18,917,005▼ $14,642,311
Land, Buildings, and Equipment, Net$5,109,842$4,764,938▼ $344,904
Accounts Receivable$1,068,484$1,126,575▲ $58,091
Cash and Non-Interest-Bearing Accounts$1,067,747$871,950▼ $195,797
Prepaid Expenses and Deferred Charges$317,658$263,760▼ $53,898
Investments Other Securities$191,200$235,400▲ $44,200
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$408,699,262$400,823,762▼ $7,875,500
Other Assets Total$4,244,504$4,898,315▲ $653,811
Liabilities
Other Liabilities$349,013,143$361,137,110▲ $12,123,967
Accounts Payable and Accrued Expenses$434,846$274,090▼ $160,756
Total Liabilities$349,447,989$361,411,200▲ $11,963,211
Net Assets / Fund Balance
Total Net Assets Fund Balance$59,251,273$39,412,562▼ $19,838,711
Total Liabilities and Net Assets / Fund Balance$408,699,262$400,823,762▼ $7,875,500

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,888,225$2,729,628$5,617,853
Equipment$398,211$1,713,827$2,112,038
Land$1,478,502-$1,478,502
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rosemarie E KrantzCEOFT$166,658$126,803$293,461
Ann HoffCFO - Began 5/21/2022FT$93,939$68,201$162,140
Marie a RhodaCLOFT$106,369$52,489$158,858
Ronald HouckCFO - Ending 2/18/2022FT$54,200-$54,200
William AyersBoard Chairperson-$1,000-$1,000
Eugenia EmertSecretary/treasurer-$750-$750
Gary FedorchaBoard Vice Chair-$750-$750
Daniel JosephDirector-$600-$600
Daniel WeaverDirector-$600-$600
Dennis NemesDirector-$600-$600
Gary PhillipsDirector-$600-$600
Ryan Van NormanDirector-$600-$600
Sherri MolitorisDirector-$600-$600
Jillian EmertMembership Officer-$350-$350

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservDebit Card ProcessingPO BOX 934057, Atlanta, GA 31193$436,520
Fidelity Information ServicesPlastic Card Services601 RIVERSIDE AVE, Jacksonville, FL 32204$364,506
Alkami TechnologyDigital Banking Services5601 GRANITE PKWY SUITE 120, Plano, TX 75024$235,330
Corelation INCSoftware Maintenance2305 HISTORIC DECATUR SUITE 300, San Diego, CA 92106$107,568
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,489,861
Investment Income
$4,394,816
Other Revenue
$133,037
Change in Net Assets
$3,103,154

Audited Revenue Reconciliation

Revenue per Audited Statements
$11,017,714
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-22,941,865
Total Revenue per Audited Statements
$-11,924,151
Total Revenue per Form 990
$11,017,714
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,508,080
Salaries, Compensation, and Employee Benefits$2,311,280
Grants and Similar Amounts Paid$95,200
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$1,398,339
Other Salaries and Wages---$1,161,965
Office Expenses---$1,013,444
Current Officers, Directors, Trustees, and Key Employees---$673,383
Information Technology---$608,451
Other Employee Benefits---$362,126
Depreciation Depletion---$358,733
Occupancy---$346,365
Fees for Services Other---$219,673
Advertising---$138,414
Payroll Taxes---$113,806
Other Expenses---$100,554
Grants to Domestic Orgs---$95,200
Insurance---$72,805
Fees for Services Accounting---$34,363
Conferences and Meetings---$23,493
Fees for Services Legal---$17,557
Travel---$7
Total Functional Expenses$0$0$0$7,914,560

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$7,914,560
Total Expenses per Audited Statements$7,914,560
Total Expenses per Form 990$7,914,560
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Allentown School DistrictAllentown, PA50(c)(3)Backpack Program$10,000
Catasauqua School DistrictCatasauqua, PA50(c)(3)Backpack Program$10,000
East Penn School DistrictEmmaus, PA501(c)(3)Backpack Program$10,000
Northern Lehigh School DistrictSlatington, PA501(c)(3)Backpack Program$10,000
Northwestern Lehigh School DistrictNew Tripoli, PA501(c)(3)Backpack Program$10,000
Parkland School DistrictAllentown, PA501(c)(3)Backpack Program$10,000
Salisbury School DistrictAllentown, PA501(c)(3)Backpack Program$10,000
Southern Lehigh School DistrictCenter Valley, PA501(c)(3)Backpack Program$10,000
Whitehall-coplay School DistrictWhitehall, PA501(c)(3)Backpack Program$10,000
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 and Savings Accounts$361,137,110
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

Eugenia emert and jillian emert have a family relationship.

Form 990, Part VI, Section A, Line 6

The credit union has a single class of members.

Form 990, Part VI, Section A, Line 7A

Each member has a single vote in the election of the credit union's board of directors.

Form 990, Part VI, Section A, Line 7B

The credit union's members must approve: -the merger of the credit union. -the dissolution or conversion of the credit union. -changes to the credit union's charter, articles and bylaws.

Form 990, Part VI, Section B, Line 11B

The form 990 is reviewed by the credit union's ceo and cfo prior to submission.

Form 990, Part VI, Section B, Line 15

Compensation for the ceo is determined by the chair and vice-chair of the board of directors, who review information obtained through the hr performance solutions compease system. They then make a recommendation for the full board of directors, which votes to approve the salary. Compensation for other officers or key employees is based on guidance from the hr performance solutions compease system. A three year salary plan is developed by the ceo, presented to the salary committee and reviewed and approved by the board of directors. Compensation for all employees, including the ceo, other officers and key employees, is also included in the annual budget. The budget is approved by the board of directors.

Form 990, Part VI, Section C, Line 19

The credit union's financial statements are posted in the lobbies of all branches on a monthly basis. Quarterly financial statements (call reports) are available on www.ncua.gov.

Filing and Contact Details

Filer

Filer Name
Lehigh Valley Educators
EIN
23-0338105
Phone
6108200145
Address
3720 HAMILTON BLVD, ALLENTOWN, PA 18103

Signing Officer

Name
Rosemarie Krantz
Title
CEO
Phone
6108200145
Signed
2023-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rosemarie Krantz
Formed
1934
Legal Domicile
Pa
Voting Board Members
10
Independent Board Members
10
Employees
35
Volunteers
10

Preparer

Firm
Rkl Llp
Address
1330 BROADCASTING ROAD, WYOMISSING, PA 19610-6008
Preparer
Ruthann J Woll CPA
Phone
6103761595
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

Defined benefit pension plan 88,597.

Part XII Line 2C

There was no change from prior year.

Financial Statement Notes

PART X, LINE 2:

The credit union is a state-chartered credit union as described in irc section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (as defined in section 512) derived by state-chartered credit unions. The credit union did not incur unrelated business income tax for the year ended december 31, 2021 and does not anticipate any unrelated business income tax for the year ended december 31, 2022.

PART XI, LINE 2D - OTHER ADJUSTMENTS:

Defined benefit pension plan 88,597.

Part XII, Line 2D

Net change in pension liability

Raw XML AppendixShowing 400 of 623 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/ActivityOrMissionDesc0MAINTAIN FINANCIAL SOUNDNESS WHILE EMPOWERING MEMBERS TO WORK TOWARD FINANCIAL SUCCESS
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IRS990/BooksInCareOfDetail/PhoneNum06108200145
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10121769
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1163305
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1248885
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/PersonNm0WILLIAM AYERS
IRS990/Form990PartVIISectionAGrp/PersonNm1GARY FEDORCHA
IRS990/Form990PartVIISectionAGrp/PersonNm2EUGENIA EMERT
IRS990/Form990PartVIISectionAGrp/PersonNm3JILLIAN EMERT
IRS990/Form990PartVIISectionAGrp/PersonNm4DANIEL JOSEPH
IRS990/Form990PartVIISectionAGrp/PersonNm5SHERRI MOLITORIS
IRS990/Form990PartVIISectionAGrp/PersonNm6DENNIS NEMES
IRS990/Form990PartVIISectionAGrp/PersonNm7RYAN VAN NORMAN
IRS990/Form990PartVIISectionAGrp/PersonNm8GARY PHILLIPS
IRS990/Form990PartVIISectionAGrp/PersonNm9DANIEL WEAVER
IRS990/Form990PartVIISectionAGrp/PersonNm10ROSEMARIE E KRANTZ
IRS990/Form990PartVIISectionAGrp/PersonNm11ANN HOFF
IRS990/Form990PartVIISectionAGrp/PersonNm12MARIE A RHODA
IRS990/Form990PartVIISectionAGrp/PersonNm13RONALD HOUCK
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt01000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3350
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10171692
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1198835
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12109973
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1354200
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/TitleTxt0BOARD CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3MEMBERSHIP OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO - BEGAN 5/21/2022
IRS990/Form990PartVIISectionAGrp/TitleTxt12CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt13CFO - ENDING 2/18/2022
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01934
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt07878
IRS990/GainOrLossGrp/SecuritiesAmt0-234255
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToDomesticOrgsGrp/TotalAmt095200
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt045413784
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt011568000
IRS990/GrossReceiptsAmt068225875
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0608451
IRS990/InsuranceGrp/TotalAmt072805
IRS990/InterestGrp/TotalAmt01398339
IRS990/InvestmentIncomeGrp/ExclusionAmt04621193
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04621193
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0191200
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0235400
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0266633533
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0258739952
IRS990/IRPDocumentCnt06967
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04443455
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05109842
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04764938
IRS990/LandBldgEquipCostOrOtherBssAmt09208393
IRS990/LegalDomicileStateCd0PA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt045405906
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt011802255
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0MAINTAIN FINANCIAL SOUNDNESS WHILE EMPOWERING MEMBERS TO WORK TOWARD FINANCIAL SUCCESS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt059251273
IRS990/NetAssetsOrFundBalancesEOYAmt039412562
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-226377
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-226377
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-23030462
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0346365
IRS990/OfficeExpensesGrp/TotalAmt01013444
IRS990/OfficerMailingAddressInd01
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04244504
IRS990/OtherAssetsTotalGrp/EOYAmt04898315
IRS990/OtherChangesInNetAssetsAmt088597
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0362126
IRS990/OtherExpensesGrp/Desc0LENDING EXPENSES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2OTHER
IRS990/OtherExpensesGrp/TotalAmt0909040
IRS990/OtherExpensesGrp/TotalAmt1266842
IRS990/OtherExpensesGrp/TotalAmt2100554
IRS990/OtherLiabilitiesGrp/BOYAmt0349013143
IRS990/OtherLiabilitiesGrp/EOYAmt0361137110
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0CU MEMBER CAPITAL REFUND
IRS990/OtherRevenueMiscGrp/Desc1MISCELLANEOUS INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0128442
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt14595
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0128442
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt14595
IRS990/OtherRevenueTotalAmt0133037
IRS990/OtherSalariesAndWagesGrp/TotalAmt01161965
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt096506978
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0111005867
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0113806
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0317658
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0263760
IRS990/PrincipalOfficerNm0ROSEMARIE KRANTZ
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3525990
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1PLASTIC CARD INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3NON MEMBER ATM INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04780858
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11233713
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2473328
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04780858
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11233713
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2473328
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt31962
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt01962
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE FINANCIAL SERVICES TO OVER 16,000 MEMBERS
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt03422913
IRS990/PYOtherExpensesAmt04998294
IRS990/PYOtherRevenueAmt0221882
IRS990/PYProgramServiceRevenueAmt06041318
IRS990/PYRevenuesLessExpensesAmt02318515
IRS990/PYSalariesCompEmpBnftPaidAmt02369304
IRS990/PYTotalExpensesAmt07367598
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt09686113
IRS990/ReconcilationRevenueExpnssAmt03103154
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt033559316
IRS990/SavingsAndTempCashInvstGrp/EOYAmt018917005
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02888225
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02729628
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05617853
IRS990ScheduleD/EquipmentGrp/BookValueAmt0398211
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01713827
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02112038
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt07914560
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01478502
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01478502
IRS990ScheduleD/NetUnrealizedGainsInvstAmt0-23030462
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0361137110
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE AND SAVINGS ACCOUNTS
IRS990ScheduleD/OtherRevenueAmt088597
IRS990ScheduleD/RevenueNotReportedAmt0-22941865
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt011017714
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DESCRIBED IN IRC SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (AS DEFINED IN SECTION 512) DERIVED BY STATE-CHARTERED CREDIT UNIONS. THE CREDIT UNION DID NOT INCUR UNRELATED BUSINESS INCOME TAX FOR THE YEAR ENDED DECEMBER 31, 2021 AND DOES NOT ANTICIPATE ANY UNRELATED BUSINESS INCOME TAX FOR THE YEAR ENDED DECEMBER 31, 2022.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1DEFINED BENEFIT PENSION PLAN 88,597.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2NET CHANGE IN PENSION LIABILITY
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XII, LINE 2D
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04764938
IRS990ScheduleD/TotalExpensesPerForm990Amt07914560
IRS990ScheduleD/TotalLiabilityAmt0361137110
IRS990ScheduleD/TotalRevenuePerForm990Amt011017714
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0-11924151
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt07914560
IRS990ScheduleI/GrantRecordsMaintainedInd00
IRS990ScheduleI/RecipientTable/CashGrantAmt010000
IRS990ScheduleI/RecipientTable/CashGrantAmt110000
IRS990ScheduleI/RecipientTable/CashGrantAmt210000
IRS990ScheduleI/RecipientTable/CashGrantAmt310000
IRS990ScheduleI/RecipientTable/CashGrantAmt410000
IRS990ScheduleI/RecipientTable/CashGrantAmt510000
IRS990ScheduleI/RecipientTable/CashGrantAmt610000
IRS990ScheduleI/RecipientTable/CashGrantAmt710000
IRS990ScheduleI/RecipientTable/CashGrantAmt810000
IRS990ScheduleI/RecipientTable/IRCSectionDesc050(C)(3)
IRS990ScheduleI/RecipientTable/IRCSectionDesc150(C)(3)
IRS990ScheduleI/RecipientTable/IRCSectionDesc2501(C)(3)
IRS990ScheduleI/RecipientTable/IRCSectionDesc3501(C)(3)
IRS990ScheduleI/RecipientTable/IRCSectionDesc4501(C)(3)
IRS990ScheduleI/RecipientTable/IRCSectionDesc5501(C)(3)
IRS990ScheduleI/RecipientTable/IRCSectionDesc6501(C)(3)
IRS990ScheduleI/RecipientTable/IRCSectionDesc7501(C)(3)
IRS990ScheduleI/RecipientTable/IRCSectionDesc8501(C)(3)
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt00
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt10
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt20
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt30
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt40
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt50
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt60

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