Civic Intelligence

Lehigh Valley Educators Credit Union

990 • Fiscal year 2018 • EIN 23-0338105

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 14, 2019

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

0.83x

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

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

98th percentile

25.33x

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

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

89th percentile

25%

Higher net margin than 89% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

3rd percentile

$183,953

Higher top officer pay than 3% of similar nonprofits.

Top officer pay equals 1.8% of source-year revenue.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

12th percentile

-0.3%

Faster asset growth than 12% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

57th percentile

12%

Faster revenue growth than 57% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets9th percentile

Assets

Down

$311,640,748

Down $994,725 (-0.3%) from 2017

Net Assets

Up

$51,478,115

Up $363,954 (+0.7%) from 2017

Liabilities

Down

$260,162,633

Down $1,358,679 (-0.5%) from 2017

Revenue And Expenses
Liabilities / Revenue98th percentileNet Margin89th percentile

Revenue

Up

$10,272,832

Up $1,115,915 (+12%) from 2017

Expenses

Up

$7,723,048

Up $642,726 (+9.1%) from 2017

Net Income

Up

$2,549,784

Up $473,189 (+23%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth12th 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

2018

Assets$311,640,748
Liabilities$260,162,633
Net Assets$51,478,115
Open 2018 Filing

Operations Trend

Revenue Growth57th 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

2018

Revenue$10,272,832
Expenses$7,723,048
Net Income$2,549,784
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 14, 2019
Return Version
2018v3.1
Gross Receipts
$19,433,189
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$189,831,923$183,928,178▼ $5,903,745
Other Notes and Loans Receivable, Net$90,269,097$96,088,101▲ $5,819,004
Savings and Temporary Cash Investments$14,127,192$13,793,194▼ $333,998
Investments Other Securities$7,408,357$7,062,357▼ $346,000
Land, Buildings, and Equipment, Net$6,334,314$6,010,160▼ $324,154
Accounts Receivable$916,179$852,104▼ $64,075
Cash and Non-Interest-Bearing Accounts$501,591$593,814▲ $92,223
Prepaid Expenses and Deferred Charges$353,813$369,149▲ $15,336
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$312,635,473$311,640,748▼ $994,725
Other Assets Total$2,893,007$2,943,691▲ $50,684
Liabilities
Other Liabilities$260,092,556$257,845,703▼ $2,246,853
Accounts Payable and Accrued Expenses$1,428,756$2,316,930▲ $888,174
Total Liabilities$261,521,312$260,162,633▼ $1,358,679
Net Assets / Fund Balance
Total Net Assets Fund Balance$51,114,161$51,478,115▲ $363,954
Total Liabilities and Net Assets / Fund Balance$312,635,473$311,640,748▼ $994,725

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,441,434$2,166,405$5,607,839
Equipment$1,090,224$1,308,972$2,399,196
Land$1,478,502-$1,478,502
Compensation and Service Providers
Top Officer Pay3rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rosemarie E KrantzCEOFT$121,685$62,268$183,953
Ronald W HouckCFOFT$105,697$29,733$135,430
Marie a RhodaCLOFT$87,129$48,106$135,235
William AyersBoard Chairperson-$1,000-$1,000
Gary FedorchaBoard Vice Chair-$750-$750
Eugenia EmertSecretary/treasurer-$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 Officer-$250-$250

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservDebit Card Processing75 REMITTANCE DRIVE DEPT 1649, Chicago, IL 60675$290,623
Fidelity Information ServicesPlastic Card Services601 RIVERSIDE AVE, Jacksonville, FL 32204$277,128
Alkami TechnologyDigital Banking Services5601 GRANITE PKWY SUITE 120, Plano, TX 75024$203,779
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,737,297
Investment Income
$4,333,554
Other Revenue
$201,981
Change in Net Assets
$2,549,784

Audited Revenue Reconciliation

Revenue per Audited Statements
$10,272,832
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-1,567,988
Total Revenue per Audited Statements
$8,704,844
Total Revenue per Form 990
$10,272,832
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,525,252
Salaries, Compensation, and Employee Benefits$2,197,796
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$1,638,365
Other Salaries and Wages---$1,040,888
Office Expenses---$809,550
Information Technology---$559,042
Current Officers, Directors, Trustees, and Key Employees---$464,105
Other Employee Benefits---$441,748
Depreciation Depletion---$378,117
Occupancy---$261,895
Advertising---$258,923
Pension Plan Contributions---$151,284
Fees for Services Other---$142,207
Other Expenses---$103,005
Payroll Taxes---$99,771
Insurance---$68,128
Fees for Services Accounting---$50,091
Fees for Services Legal---$42,239
Conferences and Meetings---$15,864
Travel---$1,875
Total Functional Expenses$0$0$0$7,723,048

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$8,340,890
Expenses per Audited Statements$7,723,048
Total Expenses per Form 990$7,723,048
Expenses Not Reported on Form 990$617,842
Expenses Not Reported on Financial Statements$0
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$257,845,703
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, Part VI, Section A, Line 2

“Eugenia emert and jillian emert are mother and daughter.”

Form 990, Part VI, Section A, 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, Part VI, Section A, 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, 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.”

Form 990, Part VII Contact Addresses for Officers, Directors, Etc

“Robert bold - 4315 sand spring rd, schnecksville, pa 18078. Eugenia emert - 807 bath ave, catasauqua, pa 18032. William ayers - 5330 overlook rd, slatington, pa 18080. Gary fedorcha - 7220 n gate dr, slatington , pa 18080. Daniel joseph - 618 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.”

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
2019-11-14
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
36
Volunteers
10

Preparer

Firm
Rkl Llp
Address
1330 BROADCASTING ROAD PO BOX 7008, WYOMISSING, PA 19610-6008
Preparer
Ruthann J Woll CPA
Phone
6103761595
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net change in pension liability -617,842.”

FORM 990, 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 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, 2018 and 2017.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Change in pension liability”

Part XII, Line 2D

“Net change in pension liability”

Raw XML AppendixShowing 400 of 481 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/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9MEMBERSHIP OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CLO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
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IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0-42859
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt09117498
IRS990/GrossReceiptsAmt019433189
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0559042
IRS990/InsuranceGrp/TotalAmt068128
IRS990/InterestGrp/TotalAmt01638365
IRS990/InvestmentIncomeGrp/ExclusionAmt04376413
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04376413
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt07408357
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt07062357
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0189831923
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0183928178
IRS990/IRPDocumentCnt05667
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03475377
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06334314
IRS990/LandBldgEquipBasisNetGrp/EOYAmt06010160
IRS990/LandBldgEquipCostOrOtherBssAmt09485537
IRS990/LegalDomicileStateCd0PA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt09160357
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WE WILL GROW OUR CREDIT UNION THROUGH LONG TERM MEMBER REALTIONSHIPS 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt051114161
IRS990/NetAssetsOrFundBalancesEOYAmt051478115
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-42859
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-42859
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-1567988
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0261895
IRS990/OfficeExpensesGrp/TotalAmt0809550
IRS990/OfficerMailingAddressInd01
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02893007
IRS990/OtherAssetsTotalGrp/EOYAmt02943691
IRS990/OtherChangesInNetAssetsAmt0-617842
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0441748
IRS990/OtherExpensesGrp/Desc0LENDING EXPENSES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2OTHER
IRS990/OtherExpensesGrp/TotalAmt0611059
IRS990/OtherExpensesGrp/TotalAmt1584892
IRS990/OtherExpensesGrp/TotalAmt2103005
IRS990/OtherLiabilitiesGrp/BOYAmt0260092556
IRS990/OtherLiabilitiesGrp/EOYAmt0257845703
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0201981
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0201981
IRS990/OtherRevenueTotalAmt0201981
IRS990/OtherSalariesAndWagesGrp/TotalAmt01040888
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt090269097
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt096088101
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt099771
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0151284
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0353813
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0369149
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/RelatedOrExemptFuncIncomeAmt04494671
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1954460
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2285313
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04494671
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1954460
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2285313
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt32853
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt02853
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE FINANCIAL SERVICES TO OVER 16,000 MEMBERS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt03648656
IRS990/PYOtherExpensesAmt04900002
IRS990/PYOtherRevenueAmt01040
IRS990/PYProgramServiceRevenueAmt05507221
IRS990/PYRevenuesLessExpensesAmt02076595
IRS990/PYSalariesCompEmpBnftPaidAmt02180320
IRS990/PYTotalExpensesAmt07080322
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt09156917
IRS990/ReconcilationRevenueExpnssAmt02549784
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt014127192
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013793194
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03441434
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02166405
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05607839
IRS990ScheduleD/EquipmentGrp/BookValueAmt01090224
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01308972
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02399196
IRS990ScheduleD/ExpensesNotReportedAmt0617842
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt07723048
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01478502
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01478502
IRS990ScheduleD/NetUnrealizedGainsInvstAmt0-1567988
IRS990ScheduleD/OtherExpensesIncludedAmt0617842
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0257845703
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE AND SAVINGS ACCOUNTS
IRS990ScheduleD/RevenueNotReportedAmt0-1567988
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt010272832
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, 2018 AND 2017.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1CHANGE IN PENSION LIABILITY
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2NET CHANGE IN PENSION LIABILITY
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XII, LINE 2D
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06010160
IRS990ScheduleD/TotalExpensesPerForm990Amt07723048
IRS990ScheduleD/TotalLiabilityAmt0257845703
IRS990ScheduleD/TotalRevenuePerForm990Amt010272832
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt08704844
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt08340890
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0121685
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt038629
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt023639
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ROSEMARIE E KRANTZ
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0183953
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EUGENIA EMERT AND JILLIAN EMERT ARE MOTHER AND DAUGHTER.
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 CEO AND CFO PRIOR TO SUBMISSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE 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/ExplanationTxt7ROBERT BOLD - 4315 SAND SPRING RD, SCHNECKSVILLE, PA 18078. EUGENIA EMERT - 807 BATH AVE, CATASAUQUA, PA 18032. WILLIAM AYERS - 5330 OVERLOOK RD, SLATINGTON, PA 18080. GARY FEDORCHA - 7220 N GATE DR, SLATINGTON , PA 18080. DANIEL JOSEPH - 618 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8NET CHANGE IN PENSION LIABILITY -617,842.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9THERE WAS NO CHANGE FROM PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VII CONTACT ADDRESSES FOR OFFICERS, DIRECTORS, ETC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$311,640,748
Liabilities
$260,162,633
Net assets
$51,478,115
Revenue
$10,272,832
Expenses
$7,723,048
Net income
$2,549,784
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
2018Detailed filing. Detailed filing data is available for this year.$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