Liabilities / Assets
26th percentile
Higher debt load relative to assets than 26% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.85x
Liabilities / Revenue
87th percentile
Higher debt load relative to revenue than 87% of similar nonprofits.
Net Margin
13th percentile
Higher net margin than 13% of similar nonprofits.
Top Officer Pay
68th percentile
Higher top officer pay than 68% of similar nonprofits.
Top officer pay equals 13.7% of source-year revenue.
Asset Growth
59th percentile
Faster asset growth than 59% of similar nonprofits.
Revenue Growth
30th percentile
Faster revenue growth than 30% of similar nonprofits.
Balance Sheet
Assets
Up$28,731,337
Up $1,073,169 (+3.9%) from 2014
Net Assets
Down$4,334,538
Down $114,369 (-2.6%) from 2014
Liabilities
Up$24,396,799
Up $1,187,538 (+5.1%) from 2014
Revenue And Expenses
Revenue
Down$823,740
Down $11,069 (-1.3%) from 2014
Expenses
Down$840,718
Down $59,056 (-6.6%) from 2014
Net Income
Up-$16,978
Up $47,987 (+74%) from 2014
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- Mar 24, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $1,036,127
Mission and Program Overview
Mission
To provide low cost financial services to credit union members and encourage thrift
Provide low cost financial services for credit union members including more competitive interest rates charged on loans; higher interest rates paid on deposits than generally available from the commercial banking industry
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments Other Securities | $9,664,829 | $15,801,066 | ▲ $6,136,237 |
| Other Notes and Loans Receivable, Net | $8,355,822 | $7,388,248 | ▼ $967,574 |
| Rtn Earn Endowment Incm Other Fnds | $4,448,907 | $4,334,538 | ▼ $114,369 |
| Savings and Temporary Cash Investments | $1,981,470 | $3,176,305 | ▲ $1,194,835 |
| Investments in Publicly Traded Securities | $6,341,286 | $1,197,321 | ▼ $5,143,965 |
| Land, Buildings, and Equipment, Net | $434,316 | $413,048 | ▼ $21,268 |
| Prepaid Expenses and Deferred Charges | $211,644 | $157,442 | ▼ $54,202 |
| Cash and Non-Interest-Bearing Accounts | $154,232 | $119,208 | ▼ $35,024 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Accounts Receivable | $-40,085 | $-40,725 | ▼ $640 |
| Total Assets | $27,658,168 | $28,731,337 | ▲ $1,073,169 |
| Other Assets Total | $554,654 | $519,424 | ▼ $35,230 |
| Liabilities | |||
| Other Liabilities | $23,138,636 | $24,340,390 | ▲ $1,201,754 |
| Accounts Payable and Accrued Expenses | $70,625 | $56,409 | ▼ $14,216 |
| Total Liabilities | $23,209,261 | $24,396,799 | ▲ $1,187,538 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $4,448,907 | $4,334,538 | ▼ $114,369 |
| Total Liabilities and Net Assets / Fund Balance | $27,658,168 | $28,731,337 | ▲ $1,073,169 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $170,537 | $489,155 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $225,000 | - | $0 |
| Equipment | $17,511 | $180,658 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Other Securities | $15,000 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| David A Frey | President/CEO | FT | $83,375 | $29,750 | $113,125 |
Board Members and Trustees
| Name | Title |
|---|---|
| Keith A Bair | Board Chairman |
| Francis J Gore | Vice Chairman |
| Stephen B Bowker | Director |
| Susan Watson | Director |
| Thomas A Morrow | Director |
| Cheryl L Weidenhammer | Recording Secretary |
| Dean W Otto | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $389,997
- Investment Income
- $230,264
- Other Revenue
- $203,479
- Change in Net Assets
- $-16,978
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $492,598 |
| Salaries, Compensation, and Employee Benefits | $348,120 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Information Technology | - | - | - | $171,148 |
| Other Salaries and Wages | - | - | - | $167,366 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $83,200 |
| Other Employee Benefits | - | - | - | $65,011 |
| All Other Expenses | - | - | - | $56,945 |
| Occupancy | - | - | - | $41,864 |
| Payroll Taxes | - | - | - | $22,408 |
| Depreciation Depletion | - | - | - | $21,268 |
| Insurance | - | - | - | $14,930 |
| Office Expenses | - | - | - | $13,926 |
| Pension Plan Contributions | - | - | - | $10,135 |
| Other Expenses | - | - | - | $8,304 |
| Fees for Services Accounting | - | - | - | $7,200 |
| Advertising | - | - | - | $6,215 |
| Total Functional Expenses | $0 | $0 | $0 | $840,718 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Deposit Accounts for Credit Union members | $24,248,098 |
| Other Liabilities | $90,851 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Backup withholding compliance
- Yes
- Business relationship with family members
- No
- Business relationship with organization members
- No
- Material changes to governing documents
- No
- Compensation from other sources disclosed
- No
- CEO compensation reviewed
- No
- Other officer compensation reviewed
- No
- Conflict-of-interest policy
- Yes
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- Yes
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, Line 6
“The credit union is comprised of member (owners)”
Form 990, Part VI, Section A, Line 7A
“The credit union member (owners) elect the governing body (the Board of Directors) through a democratic voting process of one member, one vote Directors elected are also members of the credit union”
Form 990, Part VI, Section A, Line 7B
“Certain decisions by the governing body (the Board of Directors) require approval by the members Such actions are prescribed in the credit union's bylaws which are available to the members”
Form 990, Part VI, Section B, Line 11B
“The credit union's Board of Directors are not provided with a FORMAL review of the Form 990, however, they are advised of its completion and that it is available for review and discussion or questions by any director up until the filing date”
Form 990, Part VI, Section B, Line 12C
“The CU recognizes that outside business interests of employees or officials may create conflicts of interest or may result in corrupt practices and may affect the integrity of the CU The CU requires all employees and officials to disclose in writing all personal or business relationships with a member, supplier, business associate or competitor of the CU which may give rise to a conflict of interest Officials and employees are prohibited from voting on matters concerning his or her immediate family members personal interests”
Form 990, Part VI, Section C, Line 19
“All governing documents such as financial statements and policies are available to members upon request Financial information is available to the public either through display of financial reports in the credit unions lobby or through the website maintained by the National Credit Union Administration where ALL call report data is available for public review”
Filing and Contact Details
Filer
- Filer Name
- POSTMARK Credit Union
- EIN
- 23-0675445
- Phone
- 7176715119
- Address
- 2630 Linglestown Rd, Harrisburg, PA 17110
Signing Officer
- Name
- David Frey
- Title
- Pres/CEO
- Phone
- 7176715119
- Signed
- 2016-03-24
Organization Details
- Principal Officer
- David A Frey
- Formed
- 1933
- Legal Domicile
- Pa
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 6
- Volunteers
- 7
Supplemental Narrative
Additional Explanations
Form 990, Part IX, Line 24E
“All Other Expenses including Debit and Credit Card fraud expense Association Expenses (membership in State member organization) and Annual Meeting expenses”
Form 990, Part XI, Line 9
“Net Change in Other Comprehensive Income Account (Pension Account)”
Raw XML AppendixShowing 400 of 428 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 |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 70625 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 56409 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | -40085 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | -40725 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | Provide low cost financial services for credit union members including more competitive interest rates charged on loans; higher interest rates paid on deposits than generally available from the commercial banking industry |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 6215 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 56945 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | David A Frey |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 7176715119 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 2630 Linglestown Rd |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Harrisburg |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | PA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 17110 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 154232 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 119208 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 83200 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 0 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 230264 |
| IRS990/CYOtherExpensesAmt | 0 | 492598 |
| IRS990/CYOtherRevenueAmt | 0 | 203479 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 389997 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -16978 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 348120 |
| IRS990/CYTotalExpensesAmt | 0 | 840718 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 823740 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 21268 |
| IRS990/Desc | 0 | POSTMARK Credit Union serves 2,335 members by offering low interest loans, low or no cost financial services and higher paying dividends (interest) on savings accounts than what is generally available from the local commercial banking industry |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 6 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 7200 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 2.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.0 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 29750 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Keith A Bair |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Francis J Gore |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Dean W Otto |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Cheryl L Weidenhammer |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Thomas A Morrow |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Susan Watson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Stephen B Bowker |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | David A Frey |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 83375 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Board Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Recording Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | President/CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1933 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 16091 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 228478 |
| IRS990/GrossReceiptsAmt | 0 | 1036127 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 171148 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 14930 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 214173 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 214173 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 9664829 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 15801066 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 6341286 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 1197321 |
| IRS990/IRPDocumentCnt | 0 | 294 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 669813 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 434316 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 413048 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1082861 |
| IRS990/LegalDomicileStateCd | 0 | PA |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 0 |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 212387 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MiscellaneousRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 15613 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 20974 |
| IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 5361 |
| IRS990/MissionDesc | 0 | To provide low cost financial services to credit union members and encourage thrift |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 4448907 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 4334538 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | 0 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 16091 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 16091 |
| IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -57306 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 41864 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 13926 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 554654 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 519424 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -40085 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 65011 |
| IRS990/OtherExpensesGrp/Desc | 0 | Dividends Paid on Deposit Accounts |
| IRS990/OtherExpensesGrp/Desc | 1 | Loan Servicing Costs |
| IRS990/OtherExpensesGrp/Desc | 2 | Provision for Loan Loss Expense |
| IRS990/OtherExpensesGrp/Desc | 3 | Supervision and Exam fees |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 69083 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 75715 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 6000 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 8304 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 23138636 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 24340390 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 522100 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 2 | 522100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | Interchange Income debit/credit Cards |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | Fees and Charges on Deposit Products |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | Credit Insurance Administrative Reimbursement |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 1 | 0 |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 2 | 0 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 110684 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 65938 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 2 | 5883 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 110684 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 65938 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 5883 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 2 | 0 |
| IRS990/OtherRevenueTotalAmt | 0 | 203479 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 167366 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 8355822 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 7388248 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 22408 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 10135 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 211644 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 157442 |
| IRS990/PrincipalOfficerNm | 0 | David A Frey |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Loan Interest Income |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 389997 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 389997 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 198087 |
| IRS990/PYOtherExpensesAmt | 0 | 554432 |
| IRS990/PYOtherRevenueAmt | 0 | 229346 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 407376 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -64965 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 345342 |
| IRS990/PYTotalExpensesAmt | 0 | 899774 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 834809 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -16978 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 4448907 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 4334538 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 1981470 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 3176305 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 170537 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 489155 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 659692 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 17511 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 180658 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 198169 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 1441 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 225000 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 225000 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 24248098 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 90851 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Deposit Accounts for Credit Union members |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | Other Liabilities |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 14525000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 1039072 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 221994 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 3 | 15000 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | Bank Jumbo Certificates of Deposit |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | Employer Benefits PreFunding Account |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | Membership Capital Share Deposit at Corporate CU |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 3 | PaCUSC Shared Branch Stock Investment |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 3 | F |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 413048 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 15801066 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 24340390 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | The credit union is comprised of member (owners) |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | The credit union member (owners) elect the governing body (the Board of Directors) through a democratic voting process of one member, one vote Directors elected are also members of the credit union |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Certain decisions by the governing body (the Board of Directors) require approval by the members Such actions are prescribed in the credit union's bylaws which are available to the members |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | The credit union's Board of Directors are not provided with a FORMAL review of the Form 990, however, they are advised of its completion and that it is available for review and discussion or questions by any director up until the filing date |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | The CU recognizes that outside business interests of employees or officials may create conflicts of interest or may result in corrupt practices and may affect the integrity of the CU The CU requires all employees and officials to disclose in writing all personal or business relationships with a member, supplier, business associate or competitor of the CU which may give rise to a conflict of interest Officials and employees are prohibited from voting on matters concerning his or her immediate family members personal interests |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | All governing documents such as financial statements and policies are available to members upon request Financial information is available to the public either through display of financial reports in the credit unions lobby or through the website maintained by the National Credit Union Administration where ALL call report data is available for public review |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | All Other Expenses including Debit and Credit Card fraud expense Association Expenses (membership in State member organization) and Annual Meeting expenses |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | Net Change in Other Comprehensive Income Account (Pension Account) |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, Line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, Line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section C, Line 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part IX, Line 24e |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Form 990, Part XI, Line 9 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 27658168 |
| IRS990/TotalAssetsEOYAmt | 0 | 28731337 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 27658168 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 28731337 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 6 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 840718 |
| IRS990/TotalGrossUBIAmt | 0 | 5361 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 23209261 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 24396799 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 23209261 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 24396799 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 4448907 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 4334538 |
| IRS990/TotalOtherCompensationAmt | 0 | 29750 |
| IRS990/TotalOtherProgSrvcExpenseAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcGrantAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcRevenueAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 0 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 389997 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 83375 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 818379 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 823740 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 5361 |
| IRS990/TotalVolunteersCnt | 0 | 7 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 27658168 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 28731337 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $28,731,337
- Liabilities
- $24,396,799
- Net assets
- $4,334,538
- Revenue
- $823,740
- Expenses
- $840,718
- Net income
- -$16,978