Civic Intelligence

American Pride Credit Union

EIN 23-0340750 • 501(c)14 • Altoona, PA

Profile

The credit union promotes thrift amoung its members and creates a source of credit at reasonable rates of interest while providing an opportunity for its members to use and control their own money on a democratic basis in order to improve their economic and social conditions

1431 Valley View BoulevardAltoona, PA 16602

www.americanpridecu.org

Siviq Scores

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

Liabilities / Assets

10th percentile

0.01x

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

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

14th percentile

0.16x

Higher debt load relative to revenue than 14% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

95th percentile

33%

Higher net margin than 95% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

37th percentile

$70,028

Higher top officer pay than 37% of similar nonprofits.

Top officer pay equals 6.8% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Asset Growth

38th percentile

-1.9%

Faster asset growth than 38% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

84th percentile

17%

Faster revenue growth than 84% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets10th percentile

Assets

Down

$21,971,536

Down $422,206 (-1.9%) from 2023

Liabilities

Down

$160,361

Down $71,752 (-31%) from 2023

Net Assets

Down

$21,811,175

Down $350,454 (-1.6%) from 2023

Operations
Liabilities / Revenue14th percentileNet Margin95th percentile

Revenue

Up

$1,031,850

Up $149,957 (+17%) from 2023

Expenses

Up

$692,862

Up $93,715 (+16%) from 2023

Net Income

Up

$338,988

Up $56,242 (+20%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth38th percentile

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

$30M$20M$10M$0Assets 2010: $13,153,858Liabilities 2010: $61,780Net Assets 2010: $13,092,0782010Assets 2011: $13,954,321Liabilities 2011: $65,528Net Assets 2011: $13,888,7932011Assets 2012: $14,458,961Liabilities 2012: $71,577Net Assets 2012: $14,387,3842012Assets 2013: $15,488,058Liabilities 2013: $79,629Net Assets 2013: $15,408,4292013Assets 2014: $16,052,193Liabilities 2014: $80,172Net Assets 2014: $15,972,0212014Assets 2015: $16,123,468Liabilities 2015: $75,044Net Assets 2015: $16,048,4242015Assets 2016: $16,318,388Liabilities 2016: $94,336Net Assets 2016: $16,224,0522016Assets 2017: $17,303,336Liabilities 2017: $96,691Net Assets 2017: $17,206,6452017Assets 2018: $17,872,226Liabilities 2018: $128,329Net Assets 2018: $17,743,8972018Assets 2019: $18,240,322Liabilities 2019: $125,870Net Assets 2019: $18,114,4522019Assets 2020: $20,634,581Liabilities 2020: $136,803Net Assets 2020: $20,497,7782020Assets 2021: $22,455,987Liabilities 2021: $150,713Net Assets 2021: $22,305,2742021Assets 2022: $22,591,283Liabilities 2022: $207,647Net Assets 2022: $22,383,6362022Assets 2023: $22,393,742Liabilities 2023: $232,113Net Assets 2023: $22,161,6292023Assets 2024: $21,971,536Liabilities 2024: $160,361Net Assets 2024: $21,811,1752024

Highlighted filing

2024

Assets$21,971,536
Liabilities$160,361
Net Assets$21,811,175
Open 2024 Filing

Operations Trend

Revenue Growth84th percentile

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

$1.5M$1.0M$500K$0Expenses 2010: $559,8442010Expenses 2011: $556,5182011Expenses 2012: $525,4662012Revenue 2013: $533,005Expenses 2013: $509,780Net Income 2013: $23,2252013Revenue 2014: $533,309Expenses 2014: $510,142Net Income 2014: $23,1672014Revenue 2015: $539,618Expenses 2015: $524,117Net Income 2015: $15,5012015Revenue 2016: $543,934Expenses 2016: $520,726Net Income 2016: $23,2082016Revenue 2017: $589,404Expenses 2017: $561,299Net Income 2017: $28,1052017Revenue 2018: $663,433Expenses 2018: $579,483Net Income 2018: $83,9502018Revenue 2019: $705,632Expenses 2019: $593,836Net Income 2019: $111,7962019Revenue 2020: $616,786Expenses 2020: $571,238Net Income 2020: $45,5482020Revenue 2021: $539,358Expenses 2021: $516,449Net Income 2021: $22,9092021Revenue 2022: $655,228Expenses 2022: $569,340Net Income 2022: $85,8882022Revenue 2023: $881,893Expenses 2023: $599,147Net Income 2023: $282,7462023Revenue 2024: $1,031,850Expenses 2024: $692,862Net Income 2024: $338,9882024

Highlighted filing

2024

Revenue$1,031,850
Expenses$692,862
Net Income$338,988
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$21,971,536
Liabilities
$160,361
Net assets
$21,811,175
Revenue
$1,031,850
Expenses
$692,862
Net income
$338,988
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.0$0.16$21.8$1.03$0.69$0.34
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$22.4$0.23$22.2$0.88$0.60$0.28
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$22.6$0.21$22.4$0.66$0.57$0.09
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.5$0.15$22.3$0.54$0.52$0.02
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.6$0.14$20.5$0.62$0.57$0.05
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.2$0.13$18.1$0.71$0.59$0.11
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.9$0.13$17.7$0.66$0.58$0.08
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.3$0.10$17.2$0.59$0.56$0.03
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.3$0.09$16.2$0.54$0.52$0.02
2015Detailed filing. Detailed filing data is available for this year.$16.1$0.08$16.0$0.54$0.52$0.02
2014Detailed filing. Detailed filing data is available for this year.$16.1$0.08$16.0$0.53$0.51$0.02
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.5$0.08$15.4$0.53$0.51$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.5$0.07$14.4$0.53
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.0$0.07$13.9$0.56
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.2$0.06$13.1$0.56
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 6, 2025
Return Version
2024v5.2
Gross Receipts
$1,031,850
Mission and Program Overview

Mission

The credit union promotes thrift among its members and creates a source of credit at reasonable rates of interest while providing an opportunity for its members to use and control their money on a democratic basis in order to improve their economic and social conditions.

The credit union promotes thrift among its members and creates a source of credit at reasonable rates of interest while providing an opportunity for its members to use and control their money on a democratic basis in order to improve their economic and social conditions

Balance Sheet Detail
LineBeginningEndChange
Assets
Pd in Cap Srpls Land Bldg Eqp Fund$20,110,071$19,420,629▼ $689,442
Investments Other Securities$13,310,868$12,953,168▼ $357,700
Other Notes and Loans Receivable, Net$7,514,017$7,415,276▼ $98,741
Rtn Earn Endowment Incm Other Fnds$2,051,558$2,390,546▲ $338,988
Land, Buildings, and Equipment, Net$733,643$716,025▼ $17,618
Cash and Non-Interest-Bearing Accounts$593,504$501,408▼ $92,096
Receivables From Officers Etc-$151,898-
Prepaid Expenses and Deferred Charges$57,859$55,709▼ $2,150
Total Assets$22,393,742$21,971,536▼ $422,206
Other Assets Total$183,851$178,052▼ $5,799
Liabilities
Other Liabilities$231,577$159,831▼ $71,746
Accounts Payable and Accrued Expenses$536$530▼ $6
Total Liabilities$232,113$160,361▼ $71,752
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,161,629$21,811,175▼ $350,454
Total Liabilities and Net Assets / Fund Balance$22,393,742$21,971,536▼ $422,206

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$419,478$343,177-
Land$266,159--
Equipment$30,388$373,873-
Other Securities$6,881--
Compensation and Service Providers
Top Officer Pay37th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ted GluntRetired 7124 MgrceoFT$61,905$8,123$70,028
Heather McdowellAsst MgrmgrceoFT$59,058$3,639$62,697
Robert LenderTreasurer-$1,920-$1,920
Jon FrankSecretary-$1,500-$1,500

Board Members and Trustees

NameTitle
Nick SpallonePresident
Jonathan Mifflin1st Vice President
John Potopa2nd Vice President
Denise ReederDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$358,837
Investment Income
$475,217
Other Revenue
$197,796
Change in Net Assets
$338,988
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$443,235
Salaries, Compensation, and Employee Benefits$249,627
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$124,383--$124,383
Other Salaries and Wages$80,617--$80,617
Office Expenses$79,754--$79,754
Interest$45,829--$45,829
Information Technology$33,491--$33,491
Occupancy$30,261--$30,261
Depreciation Depletion$25,839--$25,839
Other Expenses$24,519--$24,519
Fees for Services Accounting$23,034--$23,034
Payroll Taxes$20,006--$20,006
Insurance$16,670--$16,670
Other Employee Benefits$12,464--$12,464
Pension Plan Contributions$12,157--$12,157
Advertising$2,290--$2,290
Travel$14--$14
Total Functional Expenses$692,862$0$0$692,862
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees-$151,898-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Accrued Expense$120,919
Debit Card Settlement$29,005
Payroll Taxes Payable$5,202
Dividends Payable$4,705
Governance and Compliance

Governance Checklist

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

Governance Explanations

Officer directors etc family relationship Part VI line 2

“Part vi line 2: the office manager is the spouse of the board president”

Members or stockholder classes and rights Part VI line 6

“Part vi line 6: the organization has credit union members”

Member election for additional members Part VI line 7A

“Part vi line 7a:credit union members meet at an annual election of officers and are given the opportunity to vote for members of the governing body part vi line 7b:change of bylaws reuires majority membership approval”

Governing body decisions Part VI line 7B

“Part VI, line 7b:GOVERNING BODY DECIDES WITH MAJORITY MEMBERSHIP”

Form 990 governing body review Part VI line 11

“Part vi line 11b:the ceo and board of directors review the 990 prior to filing”

Governing documents etc available to public Part VI line 19

“Part vi line 19:documents are kept at the credit union opffice and are made available to the public upon request”

Filing and Contact Details

Filer

Filer Name
American Pride Credit Union
EIN
23-0340750
In Care Of
% HEATHER MCDOWELL
Phone
8009256382
Address
1431 VALLEY VIEW BOULEVARD, Altoona, PA 16602

Signing Officer

Name
Heather Mcdowell
Title
CEO
Phone
8149463045
Signed
2025-11-06
Discuss with paid preparer
No

Organization Details

Formed
1932
Legal Domicile
Pa
Voting Board Members
1,849
Independent Board Members
1,849
Employees
7
Volunteers
6

Preparer

Firm
J Raymond Fletcher
Address
516 W PLANK ROAD, ALTOONA, PA 16602-2835
Preparer
Michael Pesta
Phone
8149401944
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“Part xi : changes in net assets: the result of decreases in deposits by members of $689442”

Raw XML AppendixShowing 400 of 469 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/ActivityOrMissionDesc0THE CREDIT UNION PROMOTES THRIFT AMONG ITS MEMBERS AND CREATES A SOURCE OF CREDIT AT REASONABLE RATES OF INTEREST WHILE PROVIDING AN OPPORTUNITY FOR ITS MEMBERS TO USE AND CONTROL THEIR MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS
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IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt51ST VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt62ND VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0HEATHER MCDOWELL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1TED L GLUNT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2NICK SPALLONE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3ROBERT LENDER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4JONATHON MIFFLIN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5JOHN POTOPA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6JON FRANK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7DENISE REEDER
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1RETIRED MGR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3TREASURER
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PART VI LINE 2: THE OFFICE MANAGER IS THE SPOUSE OF THE BOARD PRESIDENT
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PART VI LINE 6: THE ORGANIZATION HAS CREDIT UNION MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PART VI LINE 7A:CREDIT UNION MEMBERS MEET AT AN ANNUAL ELECTION OF OFFICERS AND ARE GIVEN THE OPPORTUNITY TO VOTE FOR MEMBERS OF THE GOVERNING BODY PART VI LINE 7B:CHANGE OF BYLAWS REUIRES MAJORITY MEMBERSHIP APPROVAL
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Part VI, line 7b:GOVERNING BODY DECIDES WITH MAJORITY MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4PART VI LINE 11B:THE CEO AND BOARD OF DIRECTORS REVIEW THE 990 PRIOR TO FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PART VI LINE 19:DOCUMENTS ARE KEPT AT THE CREDIT UNION OPFFICE AND ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6PART XI : CHANGES IN NET ASSETS: THE RESULT OF DECREASES IN DEPOSITS BY MEMBERS OF $689442
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Officer directors etc family relationship Part VI line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Explanation of other changes in net assets or fund balances Part XI line 9
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