Civic Intelligence

Lehigh Valley Educators Credit Union

990 • Fiscal year 2013 • EIN 23-0338105

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

Organization ProfileWWW.LVECU.ORG

View Organization Page

3720 Hamilton Blvd18103

(610) 820-0145

Siviq Scores

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

Liabilities / Assets

10th percentile

0.84x

Higher debt load relative to assets than 10% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

98th percentile

30.73x

Higher debt load relative to revenue than 98% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

78th percentile

21%

Higher net margin than 78% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

3rd percentile

$160,879

Higher top officer pay than 3% of similar nonprofits.

Top officer pay equals 2.0% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

10th percentile

0.2%

Faster asset growth than 10% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

14th percentile

-7.9%

Faster revenue growth than 14% of similar nonprofits.

2013 filings • $250M-$1B nonprofits • Annualized from 2011 to 2013

Balance Sheet
Liabilities / Assets10th percentile

Assets

Up

$290,624,992

Up $486,478 (+0.2%) from 2012

Net Assets

Down

$46,710,300

Down $917,157 (-1.9%) from 2012

Liabilities

Up

$243,914,692

Up $1,403,635 (+0.6%) from 2012

Revenue And Expenses
Liabilities / Revenue98th percentileNet Margin78th percentile

Revenue

$7,938,226

No earlier filing loaded for comparison.

Expenses

Down

$6,262,723

Down $126,061 (-2.0%) from 2012

Net Income

$1,675,503

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth10th percentile

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

$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

2013

Assets$290,624,992
Liabilities$243,914,692
Net Assets$46,710,300
Open 2013 Filing

Operations Trend

Revenue Growth14th percentile

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

2013

Revenue$7,938,226
Expenses$6,262,723
Net Income$1,675,503
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
$19,132,160
Mission and Program Overview

Mission

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

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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$168,938,645$146,255,462▼ $22,683,183
Other Notes and Loans Receivable, Net$84,352,080$87,700,005▲ $3,347,925
Rtn Earn Endowment Incm Other Fnds$47,627,457$46,710,300▼ $917,157
Investments Other Securities$6,105,857$35,210,457▲ $29,104,600
Savings and Temporary Cash Investments$20,555,920$11,180,579▼ $9,375,341
Land, Buildings, and Equipment, Net$5,987,116$5,833,651▼ $153,465
Accounts Receivable$1,085,509$1,062,093▼ $23,416
Cash and Non-Interest-Bearing Accounts$596,581$709,452▲ $112,871
Prepaid Expenses and Deferred Charges$133,080$202,681▲ $69,601
Total Assets$290,138,514$290,624,992▲ $486,478
Other Assets Total$2,383,726$2,470,612▲ $86,886
Liabilities
Other Liabilities$241,701,354$243,299,315▲ $1,597,961
Accounts Payable and Accrued Expenses$809,703$615,377▼ $194,326
Total Liabilities$242,511,057$243,914,692▲ $1,403,635
Net Assets / Fund Balance
Total Net Assets Fund Balance$47,627,457$46,710,300▼ $917,157
Total Liabilities and Net Assets / Fund Balance$290,138,514$290,624,992▲ $486,478

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,145,464$1,462,375$5,607,839
Equipment$209,685$1,437,560$1,647,245
Land$1,478,502-$1,478,502
Other Securities$607,700--
Compensation and Service Providers
Top Officer Pay3rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ronald W HouckCFOFT$92,398$68,481$160,879
Rosemarie E KrantzCEOFT$100,542$38,570$139,112
William AyersPresident-$1,000-$1,000
Gary FedorchaVice Preside-$750-$750
Eugenia EmertSecretary/tr-$550-$550
Carmen RiolaDirector-$500-$500
Daniel JosephDirector-$500-$500
Daniel WeaverDirector-$500-$500
Gary PhillipsDirector-$500-$500
Robert BoldDirector-$500-$500
Robert MazaDirector-$500-$500
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,198,358
Investment Income
$2,737,594
Other Revenue
$2,274
Change in Net Assets
$1,675,503

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,938,226
Revenue Not Reported on Form 990
$-2,705,426
Total Revenue per Audited Statements
$5,232,800
Total Revenue per Form 990
$7,938,226
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,491,630
Salaries, Compensation, and Employee Benefits$1,771,093
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$1,261,690
Other Salaries and Wages---$922,417
Office Expenses---$679,825
Other Employee Benefits---$359,058
Advertising---$318,272
Current Officers, Directors, Trustees, and Key Employees---$305,291
Information Technology---$286,873
Occupancy---$246,080
Depreciation Depletion---$208,369
Other Expenses---$119,195
Payroll Taxes---$99,942
Pension Plan Contributions---$84,385
Insurance---$75,504
Fees for Services Other---$72,567
Conferences and Meetings---$51,457
Fees for Services Legal---$30,558
Fees for Services Accounting---$26,346
Travel---$2,638
Total Functional Expenses$0$0$0$6,262,723

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$6,262,723
Total Expenses per Form 990$6,262,723
Total Expenses per Audited Statements$6,149,957
Expenses Not Reported on Form 990$-112,766
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$243,299,315
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 family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union has a single class of members. Each member has a single vote in the election of the credit union's board of directors.”

Form 990, Page 6, Part VI, Line 7A

“The credit union has a single class of members. Each member has a single vote in the election of the credit union's board of directors.”

Form 990, Page 6, Part VI, 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, Page 6, Part VI, Line 11B

“The form 990 is reviewed by the credit union's management prior to submission.”

Form 990, Page 6, Part VI, 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

EIN
23-0338105
Phone
6108200145

Signing Officer

Name
Rosemarie E Krantz
Title
CEO
Phone
6108200145
Signed
2014-08-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rosemarie E Krantz
Formed
1934
Legal Domicile
Pa
Voting Board Members
9
Independent Board Members
9
Employees
32
Volunteers
12

Preparer

Preparer
Frederick a Tabor
Phone
7177909333
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Provide loans and financial services to over 16,000 members.”

Form 990, Part XI, Line 9

“Net change in pension liability 112,766”

Financial Statement Notes

Schedule D, Page 3, Part X

“Part x - fin 48 footnote lehigh valley educators credit union is a state-chartered credit union as described in internal revenue code ("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. Many states have similar laws. The specific application of section 512 to the various activities conducted by state-chartered credit unions has been an issue for many years. In 2007, the internal revenue service ("irs") issued a series of technical advice memoranda ("tam") to a number of state- chartered credit unions located throughout the country. In these tams, the irs ruled certain products and services to be subject to taxation as unrelated business income. In light of the tams, the credit union has assessed its activities and any potential federal or state income tax liability. In the opinion of management, any liability arising from federal or state taxation of activities deemed to be unrelated to its exempt purpose is not expected to have a material effect on the credit union's financial condition or results of operation.”

Schedule D, Page 4, Part XII, Line 2D

“Net change in pension liability -112,766”

Raw XML AppendixShowing 400 of 423 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.

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IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt052147
IRS990/NetUnrelatedBusTxblIncmAmt0-268
IRS990/NetUnrlzdGainsLossesInvstAmt0-2705426
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0246080
IRS990/OfficeExpensesGrp/TotalAmt0679825
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02383726
IRS990/OtherAssetsTotalGrp/EOYAmt02470612
IRS990/OtherChangesInNetAssetsAmt0112766
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0359058
IRS990/OtherExpensesGrp/Desc0LENDING EXPENSES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2TCCUSF ASSESSMENT
IRS990/OtherExpensesGrp/Desc3OTHER
IRS990/OtherExpensesGrp/TotalAmt0578021
IRS990/OtherExpensesGrp/TotalAmt1338083
IRS990/OtherExpensesGrp/TotalAmt2196152
IRS990/OtherExpensesGrp/TotalAmt3119195
IRS990/OtherLiabilitiesGrp/BOYAmt0241701354
IRS990/OtherLiabilitiesGrp/EOYAmt0243299315
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02274
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02274
IRS990/OtherRevenueTotalAmt02274
IRS990/OtherSalariesAndWagesGrp/TotalAmt0922417
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt084352080
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt087700005
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt099942
IRS990/PensionPlanContributionsGrp/TotalAmt084385
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0133080
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0202681
IRS990/PrincipalOfficerNm0ROSEMARIE E KRANTZ
IRS990/ProfessionalFundraisingInd0false
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 FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04148364
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1829293
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2217373
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04148364
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1829293
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2217373
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt33328
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt03328
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE FINANCIAL SERVICES TO OVER 16,000 MEMBERS.
IRS990/ProgSrvcAccomActyOtherGrp/Desc0PROVIDE LOANS AND FINANCIAL SERVICES TO OVER 16,000 MEMBERS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt03434258
IRS990/PYOtherExpensesAmt04769375
IRS990/PYOtherRevenueAmt025407
IRS990/PYProgramServiceRevenueAmt05301150
IRS990/PYRevenuesLessExpensesAmt02372031
IRS990/PYSalariesCompEmpBnftPaidAmt01619409
IRS990/PYTotalExpensesAmt06388784
IRS990/PYTotalRevenueAmt08760815
IRS990/ReconcilationRevenueExpnssAmt01675503
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt047627457
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt046710300
IRS990/SavingsAndTempCashInvstGrp/BOYAmt020555920
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011180579
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt04145464
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01462375
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05607839
IRS990ScheduleD/EquipmentGrp/BookValueAmt0209685
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01437560
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01647245
IRS990ScheduleD/ExpensesNotReportedAmt0-112766
IRS990ScheduleD/ExpensesSubtotalAmt06262723
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01478502
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01478502
IRS990ScheduleD/NetUnrealizedGainsInvstAmt0-2705426
IRS990ScheduleD/OtherExpensesIncludedAmt0-112766
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0243299315
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE AND SAVINGS ACCOUNTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt033460000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt11142757
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2607700
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CORP CREDIT UNION PERPETUAL CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/Desc2FHLB CAPITAL STOCK
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/RevenueNotReportedAmt0-2705426
IRS990ScheduleD/RevenueSubtotalAmt07938226
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0PART X - FIN 48 FOOTNOTE LEHIGH VALLEY EDUCATORS CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DESCRIBED IN INTERNAL REVENUE CODE ("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. MANY STATES HAVE SIMILAR LAWS. THE SPECIFIC APPLICATION OF SECTION 512 TO THE VARIOUS ACTIVITIES CONDUCTED BY STATE-CHARTERED CREDIT UNIONS HAS BEEN AN ISSUE FOR MANY YEARS. IN 2007, THE INTERNAL REVENUE SERVICE ("IRS") ISSUED A SERIES OF TECHNICAL ADVICE MEMORANDA ("TAM") TO A NUMBER OF STATE- CHARTERED CREDIT UNIONS LOCATED THROUGHOUT THE COUNTRY. IN THESE TAMS, THE IRS RULED CERTAIN PRODUCTS AND SERVICES TO BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. IN LIGHT OF THE TAMS, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY. IN THE OPINION OF MANAGEMENT, ANY LIABILITY ARISING FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL CONDITION OR RESULTS OF OPERATION.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1NET CHANGE IN PENSION LIABILITY -112,766
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XII, LINE 2D
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05833651
IRS990ScheduleD/TotalBookValueSecuritiesAmt035210457
IRS990ScheduleD/TotalExpensesPerForm990Amt06262723
IRS990ScheduleD/TotalLiabilityAmt0243299315
IRS990ScheduleD/TotalRevenuePerForm990Amt07938226
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt05232800
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt06149957
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt092398
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt059897
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt08584
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0RONALD W HOUCK
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0160879
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROVIDE LOANS AND FINANCIAL SERVICES TO OVER 16,000 MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS. EACH MEMBER HAS A SINGLE VOTE IN THE ELECTION OF THE CREDIT UNION'S BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS. EACH MEMBER HAS A SINGLE VOTE IN THE ELECTION OF THE CREDIT UNION'S BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE FORM 990 IS REVIEWED BY THE CREDIT UNION'S MANAGEMENT PRIOR TO SUBMISSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6NET CHANGE IN PENSION LIABILITY 112,766
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0290138514
IRS990/TotalAssetsEOYAmt0290624992
IRS990/TotalAssetsGrp/BOYAmt0290138514
IRS990/TotalAssetsGrp/EOYAmt0290624992
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt032
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt06262723
IRS990/TotalGrossUBIAmt03328
IRS990/TotalLiabilitiesBOYAmt0242511057
IRS990/TotalLiabilitiesEOYAmt0243914692
IRS990/TotalLiabilitiesGrp/BOYAmt0242511057
IRS990/TotalLiabilitiesGrp/EOYAmt0243914692
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt047627457
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt046710300
IRS990/TotalOtherCompensationAmt0107051
IRS990/TotalProgramServiceRevenueAmt05198358
IRS990/TotalReportableCompFromOrgAmt0198240
IRS990/TotalRevenueGrp/ExclusionAmt02685447
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt05249451
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt07938226
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03328
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0290138514
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0290624992
IRS990/TravelGrp/TotalAmt02638
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine103720 HAMILTON BLVD
IRS990/USAddress/City0ALLENTOWN
IRS990/USAddress/State0PA
IRS990/USAddress/ZIPCode018103
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.LVECU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ROSEMARIE E KRANTZ
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06108200145
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-08-13

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
$290,624,992
Liabilities
$243,914,692
Net assets
$46,710,300
Revenue
$7,938,226
Expenses
$6,262,723
Net income
$1,675,503
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
2013Detailed filing. Detailed filing data is available for this year.$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