Civic Intelligence

Lehigh Valley Educators Credit Union

990 • Fiscal year 2017 • EIN 23-0338105

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 12, 2018

Organization ProfileWWW.LVECU.ORG

View Organization Page

3720 Hamilton BlvdAllentown, PA 18103

(610) 820-0145

Siviq Scores

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

Liabilities / Assets

9th percentile

0.84x

Higher debt load relative to assets than 9% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

98th percentile

28.56x

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

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

86th percentile

23%

Higher net margin than 86% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2017

Asset Growth

8th percentile

0.0%

Faster asset growth than 8% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

52nd percentile

8.3%

Faster revenue growth than 52% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets9th percentile

Assets

Up

$312,635,473

Up $59,902 (+0.0%) from 2016

Net Assets

Up

$51,114,161

Up $1,606,053 (+3.2%) from 2016

Liabilities

Down

$261,521,312

Down $1,546,151 (-0.6%) from 2016

Revenue And Expenses
Liabilities / Revenue98th percentileNet Margin86th percentile

Revenue

Up

$9,156,917

Up $700,592 (+8.3%) from 2016

Expenses

Up

$7,080,322

Up $678,682 (+11%) from 2016

Net Income

Up

$2,076,595

Up $21,910 (+1.1%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth8th 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

2017

Assets$312,635,473
Liabilities$261,521,312
Net Assets$51,114,161
Open 2017 Filing

Operations Trend

Revenue Growth52nd 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

2017

Revenue$9,156,917
Expenses$7,080,322
Net Income$2,076,595
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 12, 2018
Return Version
2017v2.3
Gross Receipts
$22,211,217
Mission and Program Overview

Mission

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

We will grow our credit union through long-term member relationships and partner with our members to meet their expectations. We will maintain a solid financial foundation which benefits our members and employees. We will promote a culture where each employee demonstrates a passion for excellence.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$179,758,433$189,831,923▲ $10,073,490
Other Notes and Loans Receivable, Net$89,821,281$90,269,097▲ $447,816
Rtn Earn Endowment Incm Other Fnds$49,508,108$51,114,161▲ $1,606,053
Savings and Temporary Cash Investments$24,664,038$14,127,192▼ $10,536,846
Investments Other Securities$7,612,257$7,408,357▼ $203,900
Land, Buildings, and Equipment, Net$6,086,606$6,334,314▲ $247,708
Accounts Receivable$759,266$916,179▲ $156,913
Cash and Non-Interest-Bearing Accounts$743,104$501,591▼ $241,513
Prepaid Expenses and Deferred Charges$331,785$353,813▲ $22,028
Total Assets$312,575,571$312,635,473▲ $59,902
Other Assets Total$2,798,801$2,893,007▲ $94,206
Liabilities
Other Liabilities$261,893,739$260,092,556▼ $1,801,183
Accounts Payable and Accrued Expenses$1,173,724$1,428,756▲ $255,032
Total Liabilities$263,067,463$261,521,312▼ $1,546,151
Net Assets / Fund Balance
Total Net Assets Fund Balance$49,508,108$51,114,161▲ $1,606,053
Total Liabilities and Net Assets / Fund Balance$312,575,571$312,635,473▲ $59,902

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,582,240$2,025,599$5,607,839
Equipment$1,273,572$1,071,661$2,345,233
Land$1,478,502-$1,478,502
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rosemarie E KrantzCEOFT$119,797$52,437$172,234
Ronald W HouckCFOFT$104,382$30,354$134,736
Marie a RhodaCLOFT$85,868$40,344$126,212
William AyersBoard Chairp-$1,000-$1,000
Gary FedorchaBoard Vice C-$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
Ryan Van NormanDirector-$500-$500
Jillian EmertMembership O-$250-$250

Highest Paid Contractors

ContractorServicesLocationCompensation
Benefit Coordinators CorpHealth InsTWO ROBINSON PLAZA, 200, Pittsburgh, PA 15205$499,971
FiservIt Services255 FISERV DRIVE, 300, Brookfield, WI 53045$426,951
Fidelity Information ServicesPlastic Card S601 RIVERSIDE AVENUE, Jacksonville, FL 32204$231,425
Corelation INCIt Services2305 HISTORIC DECATUR RD, San Diego, CA 92106$213,858
Orlando Diefenderfer ElectricalElectric Servic116 S SECOND ST, Allentown, PA 18102$178,417
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,507,221
Investment Income
$3,648,656
Other Revenue
$1,040
Change in Net Assets
$2,076,595

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,156,917
Revenue Not Reported on Form 990
$-398,352
Total Revenue per Audited Statements
$8,758,565
Total Revenue per Form 990
$9,156,917
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,900,002
Salaries, Compensation, and Employee Benefits$2,180,320
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$1,480,428
Other Salaries and Wages---$982,854
Office Expenses---$763,577
Information Technology---$630,765
Current Officers, Directors, Trustees, and Key Employees---$438,732
Other Employee Benefits---$425,645
Depreciation Depletion---$305,556
Advertising---$276,408
Occupancy---$263,440
Pension Plan Contributions---$235,753
Fees for Services Other---$170,784
Other Expenses---$120,246
Payroll Taxes---$97,336
Insurance---$66,459
Fees for Services Accounting---$28,133
Conferences and Meetings---$16,017
Fees for Services Legal---$14,983
Travel---$1,906
Total Functional Expenses$0$0$0$7,080,322

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$7,152,512
Expenses per Audited Statements$7,080,322
Total Expenses per Form 990$7,080,322
Expenses Not Reported on Form 990$72,190
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$260,092,556
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
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, Page 6, Part VI, Line 2

“Eugenia emert jillian emmert sec/treas memb officer mother/daughter”

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 9

“William ayers 5330 overlook rd slatington, pa 18080 gary fedorcha 7220 n gate dr slatington, pa 18080 eugenia emert 817 bath ave catasauqua, pa 18032 robert bold 4315 sand spring rd schnecksville, pa 18078-2542 daniel joseph n 19th st allentown, pa 18104 gary phillips 217 e south st slatington, pa 18080 carmen riola 20151 ian ct unit 309 estero, fl 33928 daniel weaver 3440 gail ln whitehall, pa 18052 ryan van norman 7776 coral ct slatington, pa 18080 jillian emert 805 bath ave catasauqua, pa 18032”

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

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

Form 990, Page 6, Part VI, Line 15A

“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.”

Form 990, Page 6, Part VI, Line 15B

“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, 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

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

Signing Officer

Name
Rosemarie E Krantz
Title
CEO
Phone
6108200145
Signed
2018-11-12
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
33

Preparer

Firm
Rkl Llp
Address
91 CUMBERLAND PARKWAY, MECHANICSBURG, PA 17055-5676
Preparer
Christian P Pasquali CPA
Phone
7177909333
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“We will grow our credit union through long-term member relationships and partner with our members to meet their expectations. We will maintain a solid financial foundation which benefits our members and employees. We will promote a culture where each employee demonstrates a passion for excellence.”

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 -72,190”

Financial Statement Notes

Schedule D, Page 3, Part X

“The 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. The credit union did not incur unrelated business income tax in the years ended december 31, 2017 and 2016.”

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

“Net change in pension liability 72,190”

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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/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE C
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9MEMBERSHIP O
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO
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IRS990/MissionDesc0WE WILL GROW OUR CREDIT UNION THROUGH LONG-TERM MEMBER RELATIONSHIPS AND PARTNER WITH OUR MEMBERS TO MEET THEIR EXPECTATIONS. WE WILL MAINTAIN A SOLID FINANCIAL FOUNDATION WHICH BENEFITS OUR MEMBERS AND EMPLOYEES. WE WILL PROMOTE A CULTURE WHERE EACH EMPLOYEE DEMONSTRATES A PASSION FOR EXCELLENCE.
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IRS990/OfficeExpensesGrp/TotalAmt0763577
IRS990/OfficerMailingAddressInd0true
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherChangesInNetAssetsAmt0-72190
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0425645
IRS990/OtherExpensesGrp/Desc0LENDING EXPENSES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2OTHER
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IRS990/OtherExpensesGrp/TotalAmt1192578
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt090269097
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt097336
IRS990/PensionPlanContributionsGrp/TotalAmt0235753
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0331785
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0353813
IRS990/PrincipalOfficerNm0ROSEMARIE E KRANTZ
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IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1PLASTIC CARD INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3NON-MEMBER ATM INCOME
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2291718
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt32860
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt02860
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE FINANCIAL SERVICES TO OVER 16,000 MEMBERS.
IRS990/ProgSrvcAccomActyOtherGrp/Desc0PROVIDE LOANS AND FINANCIAL SERVICES TO OVER 16,000 MEMBERS.
IRS990/ProhibitedTaxShelterTransInd0false
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IRS990/PYSalariesCompEmpBnftPaidAmt02030807
IRS990/PYTotalExpensesAmt06401640
IRS990/PYTotalRevenueAmt08456325
IRS990/ReconcilationRevenueExpnssAmt02076595
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IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
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IRS990ScheduleD/EquipmentGrp/BookValueAmt01273572
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01071661
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IRS990ScheduleD/LandGrp/BookValueAmt01478502
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01478502
IRS990ScheduleD/NetUnrealizedGainsInvstAmt0-398352
IRS990ScheduleD/OtherExpensesIncludedAmt072190
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0260092556
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE AND SAVINGS ACCOUNTS
IRS990ScheduleD/RevenueNotReportedAmt0-398352
IRS990ScheduleD/RevenueSubtotalAmt09156917
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE 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. THE CREDIT UNION DID NOT INCUR UNRELATED BUSINESS INCOME TAX IN THE YEARS ENDED DECEMBER 31, 2017 AND 2016.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1NET CHANGE IN PENSION LIABILITY 72,190
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XII, LINE 2D
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06334314
IRS990ScheduleD/TotalExpensesPerForm990Amt07080322
IRS990ScheduleD/TotalLiabilityAmt0260092556
IRS990ScheduleD/TotalRevenuePerForm990Amt09156917
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt08758565
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt07152512
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ROSEMARIE E KRANTZ
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
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IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0WE WILL GROW OUR CREDIT UNION THROUGH LONG-TERM MEMBER RELATIONSHIPS AND PARTNER WITH OUR MEMBERS TO MEET THEIR EXPECTATIONS. WE WILL MAINTAIN A SOLID FINANCIAL FOUNDATION WHICH BENEFITS OUR MEMBERS AND EMPLOYEES. WE WILL PROMOTE A CULTURE WHERE EACH EMPLOYEE DEMONSTRATES A PASSION FOR EXCELLENCE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PROVIDE LOANS AND FINANCIAL SERVICES TO OVER 16,000 MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EUGENIA EMERT JILLIAN EMMERT SEC/TREAS MEMB OFFICER MOTHER/DAUGHTER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 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/ExplanationTxt4THE 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/ExplanationTxt5THE 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/ExplanationTxt6WILLIAM AYERS 5330 OVERLOOK RD SLATINGTON, PA 18080 GARY FEDORCHA 7220 N GATE DR SLATINGTON, PA 18080 EUGENIA EMERT 817 BATH AVE CATASAUQUA, PA 18032 ROBERT BOLD 4315 SAND SPRING RD SCHNECKSVILLE, PA 18078-2542 DANIEL JOSEPH N 19TH ST ALLENTOWN, PA 18104 GARY PHILLIPS 217 E SOUTH ST SLATINGTON, PA 18080 CARMEN RIOLA 20151 IAN CT UNIT 309 ESTERO, FL 33928 DANIEL WEAVER 3440 GAIL LN WHITEHALL, PA 18052 RYAN VAN NORMAN 7776 CORAL CT SLATINGTON, PA 18080 JILLIAN EMERT 805 BATH AVE CATASAUQUA, PA 18032
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE FORM 990 IS REVIEWED BY THE CREDIT UNION'S CEO AND CFO PRIOR TO SUBMISSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8COMPENSATION 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9COMPENSATION 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10THE 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/ExplanationTxt11NET CHANGE IN PENSION LIABILITY -72,190
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$312,635,473
Liabilities
$261,521,312
Net assets
$51,114,161
Revenue
$9,156,917
Expenses
$7,080,322
Net income
$2,076,595
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