Civic Intelligence

Lehigh Valley Educators Credit Union

990 • Fiscal year 2024 • EIN 23-0338105

Jan 01, 2024 to Dec 31, 2024 • Filed on Nov 11, 2025

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

29th percentile

0.88x

Higher debt load relative to assets than 29% of similar nonprofits.

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

Liabilities / Revenue

96th percentile

20.33x

Higher debt load relative to revenue than 96% of similar nonprofits.

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

Net Margin

79th percentile

16%

Higher net margin than 79% of similar nonprofits.

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

Top Officer Pay

35th percentile

$382,961

Higher top officer pay than 35% of similar nonprofits.

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

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

Asset Growth

74th percentile

6.2%

Faster asset growth than 74% of similar nonprofits.

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

Revenue Growth

99th percentile

54%

Faster revenue growth than 99% of similar nonprofits.

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

Assets

Up

$437,645,185

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

Net Assets

Up

$51,662,114

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

Liabilities

Up

$385,983,071

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

Historical Trend

Balance Sheet Trend

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

2024

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

Operations Trend

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

2024

Revenue$18,987,821
Expenses$15,962,660
Net Income$3,025,161
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 11, 2025
Return Version
2024v5.2
Gross Receipts
$27,637,080
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$242,816,697$255,482,366▲ $12,665,669
Other Notes and Loans Receivable, Net$116,511,900$116,863,217▲ $351,317
Savings and Temporary Cash Investments$39,992,151$51,393,673▲ $11,401,522
Land, Buildings, and Equipment, Net$4,455,633$4,302,198▼ $153,435
Accounts Receivable$1,353,775$1,631,839▲ $278,064
Prepaid Expenses and Deferred Charges$580,405$1,288,576▲ $708,171
Cash and Non-Interest-Bearing Accounts$950,204$1,172,950▲ $222,746
Investments Other Securities$217,900$210,700▼ $7,200
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$412,042,275$437,645,185▲ $25,602,910
Other Assets Total$5,163,610$5,299,666▲ $136,056
Liabilities
Other Liabilities$364,220,865$385,456,434▲ $21,235,569
Accounts Payable and Accrued Expenses$676,703$526,637▼ $150,066
Total Liabilities$364,897,568$385,983,071▲ $21,085,503
Net Assets / Fund Balance
Total Net Assets Fund Balance$47,144,707$51,662,114▲ $4,517,407
Total Liabilities and Net Assets / Fund Balance$412,042,275$437,645,185▲ $25,602,910

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,596,599$3,011,240$5,607,839
Equipment$227,097$2,021,799$2,248,896
Land$1,478,502-$1,478,502
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rosemarie E KrantzCEOFT$207,377$175,584$382,961
Marie a RhodaCLOFT$135,866$79,432$215,298
Ann HoffCFOFT$113,468$62,635$176,103
William AyersBoard Chairperson-$2,000-$2,000
Eugenia EmertSecretary/treasurer-$1,500-$1,500
Gary FedorchaBoard Vice Chair-$1,500-$1,500
Daniel JosephDirector-$750-$750
Daniel Weaver - Ending 12312024Director-$750-$750
Dennis Nemes - Ending 9152024Director-$750-$750
Gary PhillipsDirector-$750-$750
Ryan Van NormanDirector-$750-$750
Sherri MolitorisDirector-$750-$750
Jillian EmertMembership Officer-$500-$500

Board Members and Trustees

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservDebit Card ProcessingPO BOX 934057, Atlanta, GA 31193$475,604
Alkami TechnologyDigital Banking Services5601 GRANITE PKWY SUITE 120, Plano, TX 75024$339,233
Fidelity Information ServicesPlastic Card Services601 RIVERSIDE AVE, Jacksonville, FL 32204$306,826
Pscu VeleraDebit And Credit Processing560 CARILLON PARKWAY, St Petersburg, FL 33716$290,935
Corelation INCSoftware Maintenance2305 HISTORIC DECATUR SUITE 300, San Diego, CA 92106$132,624
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,963,890
Investment Income
$9,975,125
Other Revenue
$48,806
Change in Net Assets
$3,025,161

Audited Revenue Reconciliation

Revenue per Audited Statements
$18,987,821
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$1,492,248
Total Revenue per Audited Statements
$20,480,069
Total Revenue per Form 990
$18,987,821
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$13,213,258
Salaries, Compensation, and Employee Benefits$2,659,402
Grants and Similar Amounts Paid$90,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$7,762,092
Other Salaries and Wages---$1,417,597
Office Expenses---$1,169,116
Information Technology---$945,278
Current Officers, Directors, Trustees, and Key Employees---$801,597
Occupancy---$416,979
Other Employee Benefits---$410,937
Advertising---$324,160
Depreciation Depletion---$252,742
Fees for Services Other---$238,187
Payroll Taxes---$138,131
Other Expenses---$108,247
Grants to Domestic Orgs---$90,000
Insurance---$85,430
Fees for Services Legal---$44,672
Conferences and Meetings---$27,961
Fees for Services Accounting---$2,548
Travel---$2,292
Pension Plan Contributions---$-108,860
Total Functional Expenses$0$0$0$15,962,660

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$15,962,660
Total Expenses per Audited Statements$15,962,660
Total Expenses per Form 990$15,962,660
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$0
Catasauqua School DistrictCatasauqua, PA50(c)(3)Backpack Program$0
East Penn School DistrictEmmaus, PA501(c)(3)Backpack Program$0
Northern Lehigh School DistrictSlatington, PA501(c)(3)Backpack Program$0
Northwestern Lehigh School DistrictNew Tripoli, PA501(c)(3)Backpack Program$0
Parkland School DistrictAllentown, PA501(c)(3)Backpack Program$0
Salisbury School DistrictAllentown, PA501(c)(3)Backpack Program$0
Southern Lehigh School DistrictCenter Valley, PA501(c)(3)Backpack Program$0
Whitehall-coplay School DistrictWhitehall, PA501(c)(3)Backpack Program$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$385,456,434
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 include the compensation amount in the budget, which is then presented to the for the full board of directors, who vote to approve the salary. Compensation for other officers or key employees is based on guidance from the hr performance solutions compease system. A yearly 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

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
2025-11-11
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
31
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 111,050.

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, 2023 and does not anticipate any unrelated business income tax for the year ended december 31, 2024.

PART XI, LINE 2D - OTHER ADJUSTMENTS:

Defined benefit pension plan 111,050.

Part XII, Line 2D

Net change in pension liability

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IRS990/Form990PartVIISectionAGrp/PersonNm9DANIEL WEAVER - ENDING 12312024
IRS990/Form990PartVIISectionAGrp/PersonNm10BARBARA NEMES - BEGINNING 11252024
IRS990/Form990PartVIISectionAGrp/PersonNm11ROSEMARIE E KRANTZ
IRS990/Form990PartVIISectionAGrp/PersonNm12ANN HOFF
IRS990/Form990PartVIISectionAGrp/PersonNm13MARIE A RHODA
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt02000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11207377
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12113468
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13135866
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/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt13CLO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01934
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt029741
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToDomesticOrgsGrp/TotalAmt090000
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt08679000
IRS990/GrossReceiptsAmt027637080
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0945278
IRS990/InsuranceGrp/TotalAmt085430
IRS990/InterestGrp/TotalAmt07762092
IRS990/InvestmentIncomeGrp/ExclusionAmt09945384
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt09945384
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0217900
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0210700
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0242816697
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0255482366
IRS990/IRPDocumentCnt09562
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05033039
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04455633
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04302198
IRS990/LandBldgEquipCostOrOtherBssAmt09335237
IRS990/LegalDomicileStateCd0PA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt08649259
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/NetAssetsOrFundBalancesBOYAmt047144707
IRS990/NetAssetsOrFundBalancesEOYAmt051662114
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt029741
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt029741
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt01381196
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0416979
IRS990/OfficeExpensesGrp/TotalAmt01169116
IRS990/OfficerMailingAddressInd01
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05163610
IRS990/OtherAssetsTotalGrp/EOYAmt05299666
IRS990/OtherChangesInNetAssetsAmt0111050
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0410937
IRS990/OtherExpensesGrp/Desc0LENDING EXPENSES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2OTHER
IRS990/OtherExpensesGrp/TotalAmt01264764
IRS990/OtherExpensesGrp/TotalAmt1568790
IRS990/OtherExpensesGrp/TotalAmt2108247
IRS990/OtherLiabilitiesGrp/BOYAmt0364220865
IRS990/OtherLiabilitiesGrp/EOYAmt0385456434
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt048806
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt048806
IRS990/OtherRevenueTotalAmt048806
IRS990/OtherSalariesAndWagesGrp/TotalAmt01417597
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0116511900
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0116863217
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0138131
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0-108860
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0580405
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01288576
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/RelatedOrExemptFuncIncomeAmt07302848
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11273480
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2385696
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt07302848
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11273480
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2385696
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt31866
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt01866
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE FINANCIAL SERVICES TO OVER 15,000 MEMBERS
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt090000
IRS990/PYInvestmentIncomeAmt04194253
IRS990/PYOtherExpensesAmt08766026
IRS990/PYOtherRevenueAmt011417
IRS990/PYProgramServiceRevenueAmt08106213
IRS990/PYRevenuesLessExpensesAmt0724331
IRS990/PYSalariesCompEmpBnftPaidAmt02731526
IRS990/PYTotalExpensesAmt011587552
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt012311883
IRS990/ReconcilationRevenueExpnssAmt03025161
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt039992151
IRS990/SavingsAndTempCashInvstGrp/EOYAmt051393673
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02596599
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03011240
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05607839
IRS990ScheduleD/EquipmentGrp/BookValueAmt0227097
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02021799
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02248896
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt015962660
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01478502
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01478502
IRS990ScheduleD/NetUnrealizedGainsInvstAmt01381198
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0385456434
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE AND SAVINGS ACCOUNTS
IRS990ScheduleD/OtherRevenueAmt0111050
IRS990ScheduleD/RevenueNotReportedAmt01492248
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt018987821
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, 2023 AND DOES NOT ANTICIPATE ANY UNRELATED BUSINESS INCOME TAX FOR THE YEAR ENDED DECEMBER 31, 2024.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1DEFINED BENEFIT PENSION PLAN 111,050.
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/TotalBookValueLandBuildingsAmt04302198
IRS990ScheduleD/TotalExpensesPerForm990Amt015962660
IRS990ScheduleD/TotalLiabilityAmt0385456434
IRS990ScheduleD/TotalRevenuePerForm990Amt018987821
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt020480069
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt015962660
IRS990ScheduleI/GrantRecordsMaintainedInd00
IRS990ScheduleI/RecipientTable/CashGrantAmt00
IRS990ScheduleI/RecipientTable/CashGrantAmt10
IRS990ScheduleI/RecipientTable/CashGrantAmt20
IRS990ScheduleI/RecipientTable/CashGrantAmt30
IRS990ScheduleI/RecipientTable/CashGrantAmt40
IRS990ScheduleI/RecipientTable/CashGrantAmt50
IRS990ScheduleI/RecipientTable/CashGrantAmt60
IRS990ScheduleI/RecipientTable/CashGrantAmt70
IRS990ScheduleI/RecipientTable/CashGrantAmt80
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/NonCashAssistanceAmt010000
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt110000
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt210000
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt310000
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt410000
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt510000

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$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