Civic Intelligence

Ppl Gold Credit Union

990 • Fiscal year 2017 • EIN 23-0937747

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 15, 2018

Organization Profilewww.goldcu.org

View Organization Page

4703 Hamilton BlvdAllentown, PA 18103

(484) 223-4200

Siviq Scores

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

Liabilities / Assets

18th percentile

0.85x

Higher debt load relative to assets than 18% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Liabilities / Revenue

95th percentile

27.74x

Higher debt load relative to revenue than 95% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Net Margin

15th percentile

3.0%

Higher net margin than 15% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Top Officer Pay

66th percentile

$240,407

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 6.4% of source-year revenue.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Asset Growth

10th percentile

-0.5%

Faster asset growth than 10% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Revenue Growth

14th percentile

0.6%

Faster revenue growth than 14% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets18th percentile

Assets

Down

$122,727,574

Down $604,082 (-0.5%) from 2016

Net Assets

Up

$18,057,587

Up $21,679 (+0.1%) from 2016

Liabilities

Down

$104,669,987

Down $625,761 (-0.6%) from 2016

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin15th percentile

Revenue

Up

$3,772,820

Up $24,098 (+0.6%) from 2016

Expenses

Up

$3,660,316

Up $137,212 (+3.9%) from 2016

Net Income

Down

$112,504

Down $113,114 (-50%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth10th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$200M$150M$100M$50M$0Assets 2010: $105,243,226Liabilities 2010: $88,974,318Net Assets 2010: $16,268,9082010Assets 2011: $110,173,727Liabilities 2011: $93,489,111Net Assets 2011: $16,684,6162011Assets 2012: $114,973,684Liabilities 2012: $97,875,917Net Assets 2012: $17,097,7672012Assets 2013: $117,911,021Liabilities 2013: $100,844,585Net Assets 2013: $17,066,4362013Assets 2014: $122,054,135Liabilities 2014: $104,439,228Net Assets 2014: $17,614,9072014Assets 2015: $120,671,889Liabilities 2015: $102,864,286Net Assets 2015: $17,807,6032015Assets 2016: $123,331,656Liabilities 2016: $105,295,748Net Assets 2016: $18,035,9082016Assets 2017: $122,727,574Liabilities 2017: $104,669,987Net Assets 2017: $18,057,5872017Assets 2018: $131,475,954Liabilities 2018: $114,167,772Net Assets 2018: $17,308,1822018Assets 2019: $137,708,185Liabilities 2019: $120,768,700Net Assets 2019: $16,939,4852019Assets 2020: $145,881,306Liabilities 2020: $129,778,759Net Assets 2020: $16,102,5472020Assets 2021: $159,911,772Liabilities 2021: $145,444,211Net Assets 2021: $14,467,5612021Assets 2022: $155,869,853Liabilities 2022: $144,729,359Net Assets 2022: $11,140,4942022Assets 2023: $142,657,018Liabilities 2023: $133,472,899Net Assets 2023: $9,184,1192023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2017

Assets$122,727,574
Liabilities$104,669,987
Net Assets$18,057,587
Open 2017 Filing

Operations Trend

Revenue Growth14th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$10M$5.0M$0-$5.0MExpenses 2010: $3,949,4322010Expenses 2011: $3,896,9772011Expenses 2012: $3,702,0752012Revenue 2013: $3,812,027Expenses 2013: $3,475,626Net Income 2013: $336,4012013Revenue 2014: $3,702,803Expenses 2014: $3,289,285Net Income 2014: $413,5182014Revenue 2015: $3,634,784Expenses 2015: $3,314,454Net Income 2015: $320,3302015Revenue 2016: $3,748,722Expenses 2016: $3,523,104Net Income 2016: $225,6182016Revenue 2017: $3,772,820Expenses 2017: $3,660,316Net Income 2017: $112,5042017Revenue 2018: $4,238,474Expenses 2018: $4,724,215Net Income 2018: -$485,7412018Revenue 2019: $5,315,020Expenses 2019: $6,279,894Net Income 2019: -$964,8742019Revenue 2020: $5,286,754Expenses 2020: $6,531,240Net Income 2020: -$1,244,4862020Revenue 2021: $5,388,843Expenses 2021: $6,465,673Net Income 2021: -$1,076,8302021Revenue 2022: $6,259,974Expenses 2022: $7,445,587Net Income 2022: -$1,185,6132022Revenue 2023: $7,489,448Expenses 2023: $9,038,148Net Income 2023: -$1,548,7002023Revenue 2024: $1,613,084Expenses 2024: $3,385,931Net Income 2024: -$1,772,8472024

Highlighted filing

2017

Revenue$3,772,820
Expenses$3,660,316
Net Income$112,504
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 15, 2018
Return Version
2017v2.0
Gross Receipts
$3,772,820
Mission and Program Overview

Mission

PPL GOLD's mission is to provide our members with a solid fiscal advantage through offering competitive loans and deposit products and convenient services. We recognize the individuality of each member. We want to bring convenience to our members' lives because we want them to find interacting with their credit union a positive experience that exceeds their expectations. We will accord members the respect, service and courtesy they deserve, for they are the true owners of our credit union.

GOLD Credit Union's mission is to provide our members with a solid fiscal advantage through offering competitive loans and deposit products and convenient services. We recognize the individuality of each member. We want to bring convenience to our members' lives because we want them to find interacting with their credit union a positive experience that exceeds their expectations. We will accord members the respect, service and courtesy they deserve, for they are the true owners of our credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$72,303,598$80,938,738▲ $8,635,140
Investments in Publicly Traded Securities$25,493,913$23,932,439▼ $1,561,474
Rtn Earn Endowment Incm Other Fnds$18,035,908$18,057,587▲ $21,679
Investments Other Securities$14,110,018$7,848,663▼ $6,261,355
Savings and Temporary Cash Investments$6,500,475$4,787,823▼ $1,712,652
Land, Buildings, and Equipment, Net$2,245,280$2,179,714▼ $65,566
Accounts Receivable$432,125$701,880▲ $269,755
Cash and Non-Interest-Bearing Accounts$238,938$285,515▲ $46,577
Prepaid Expenses and Deferred Charges$162,161$184,152▲ $21,991
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$123,331,656$122,727,574▼ $604,082
Other Assets Total$1,845,148$1,868,650▲ $23,502
Liabilities
Other Liabilities$104,985,343$104,342,986▼ $642,357
Accounts Payable and Accrued Expenses$298,723$309,431▲ $10,708
Deferred Revenue$11,682$17,570▲ $5,888
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$105,295,748$104,669,987▼ $625,761
Net Assets / Fund Balance
Total Net Assets Fund Balance$18,035,908$18,057,587▲ $21,679
Total Liabilities and Net Assets / Fund Balance$123,331,656$122,727,574▼ $604,082

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,236,724$327,826$1,564,550
Equipment$329,956$483,018$812,974
Land$601,647-$601,647
Leasehold Improvements$11,387$395,903$407,290
Other Land Buildings$0$0$0
Other Securities$7,848,663--
Closely Held Equity Interests$0--
Financial Derivatives$0--
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cheryl BartholomewPresident & CEOFT$172,269$68,138$240,407
Donna L FogelCFOFT$110,148$10,135$120,283
Jack EwaldCOOFT$77,641$4,388$82,029
Barrie ForbesBoard Treasurer-$6,000-$6,000
Daniel J MoffittBoard Secretary-$240-$240
Linda F McDonaldBoard Chair-$240-$240

Board Members and Trustees

NameTitle
Cary QuarryVice Chair
Erin HenryBoard Director
Jim MikitkaBoard Director
Khue TranBoard Director
Marjorie J SolomonBoard Director
Terry NovatnackBoard Director
William J CampbellBoard Director

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & AssociatesData processing663 W Highway 60, Monett, MO 65708$322,845
Capital Blue CrossEmployee health benefits2500 Elmerton Ave, Harrisburg, PA 17177$154,193
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,134,074
Investment Income
$638,746
Other Revenue
$0
Change in Net Assets
$112,504
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,018,091
Salaries, Compensation, and Employee Benefits$1,642,225
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$931,351
Current Officers, Directors, Trustees, and Key Employees---$442,720
Interest---$436,734
Information Technology---$349,407
All Other Expenses---$251,780
Depreciation Depletion---$157,351
Office Expenses---$127,451
Other Employee Benefits---$125,682
Occupancy---$111,130
Payroll Taxes---$110,001
Other Expenses---$81,700
Advertising---$36,535
Pension Plan Contributions---$32,471
Insurance---$30,835
Fees for Services Accounting---$28,308
Fees for Services Legal---$12,151
Travel---$7,075
Conferences and Meetings---$4,928
Total Functional Expenses$0$0$0$3,660,316
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member share accounts$78,934,206
Member certificate accounts$25,408,780
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
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

“Credit Union has a single class of voting members. Each member has a single vote in the election of members to the Credit Union's Board of Directors.”

Form 990, Part VI, Section A, Line 7A

“The Credit Union has a single class of voting members. Each member has a single vote in the election of members to the Credit Union's Board of Directors.”

Form 990, Part VI, Section A, Line 7B

“The Credit Union's members must approve: The appointment f members to the Board of Directors, Changes to the governing documents of the Credit Union, the merger of the Credit Union, the dissolution or conversion of the Credit Union.”

Form 990, Part VI, Section B, Line 11B

“Return is reviewed by Credit Union President & CEO prior to filing.”

Form 990, Part VI, Section B, Line 15

“The credit union uses a third party compensation administration system for determining compensation of all employees including the CEO and other officers/key employees on an ongoing basis. Additionally, the CEO's compensation is approved by the Board of Directors.”

Form 990, Part VI, Section C, Line 19

“Governing documents are provided upon request at the Credit Union's main office. The Credit Union's financial statements are posted on our website monthly. Quarterly financial statements (5300Call Reports) are available on www.ncua.gov”

Filing and Contact Details

Filer

Filer Name
Gold Credit Union
EIN
23-0937747
Phone
4842234200
Address
4703 Hamilton Blvd, Allentown, PA 18103

Signing Officer

Name
Cheryl Bartholomew
Title
President & CEO
Phone
4842234201
Signed
2018-11-15

Organization Details

Principal Officer
Cheryl Bartholomew
Formed
1937
Legal Domicile
Pa
Voting Board Members
9
Independent Board Members
9
Employees
35
Volunteers
19
Raw XML AppendixShowing 400 of 549 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0298723
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0309431
IRS990/AccountsReceivableGrp/BOYAmt0432125
IRS990/AccountsReceivableGrp/EOYAmt0701880
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0GOLD Credit Union's mission is to provide our members with a solid fiscal advantage through offering competitive loans and deposit products and convenient services. We recognize the individuality of each member. We want to bring convenience to our members' lives because we want them to find interacting with their credit union a positive experience that exceeds their expectations. We will accord members the respect, service and courtesy they deserve, for they are the true owners of our credit union.
IRS990/AdvertisingGrp/TotalAmt036535
IRS990/AllOtherExpensesGrp/TotalAmt0251780
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Cheryl Bartholomew
IRS990/BooksInCareOfDetail/PhoneNum04842234200
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt04703 Hamilton Blvd
IRS990/BooksInCareOfDetail/USAddress/CityNm0Allentown
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0PA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd018103
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0238938
IRS990/CashNonInterestBearingGrp/EOYAmt0285515
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt02
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0442720
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt04928
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0322845
IRS990/ContractorCompensationGrp/CompensationAmt1154193
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0663 W Highway 60
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt12500 Elmerton Ave
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0Monett
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1Harrisburg
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1PA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd065708
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd117177
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0Jack Henry & Associates
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1Capital Blue Cross
IRS990/ContractorCompensationGrp/ServicesDesc0Data processing
IRS990/ContractorCompensationGrp/ServicesDesc1Employee health benefits
IRS990/ContriRptFundraisingEventAmt00
IRS990/CostOfGoodsSoldAmt00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0638746
IRS990/CYOtherExpensesAmt02018091
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt03134074
IRS990/CYRevenuesLessExpensesAmt0112504
IRS990/CYSalariesCompEmpBnftPaidAmt01642225
IRS990/CYTotalExpensesAmt03660316
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03772820
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt011682
IRS990/DeferredRevenueGrp/EOYAmt017570
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0157351
IRS990/Desc0Provide 2,227 loans to 8,676 members
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt035
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt028308
IRS990/FeesForServicesLegalGrp/TotalAmt012151
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt23
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1055
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1150
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1250
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1046905
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt114388
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1210135
IRS990/Form990PartVIISectionAGrp/PersonNm0Linda F McDonald
IRS990/Form990PartVIISectionAGrp/PersonNm1Cary Quarry
IRS990/Form990PartVIISectionAGrp/PersonNm2Barrie Forbes
IRS990/Form990PartVIISectionAGrp/PersonNm3Daniel J Moffitt
IRS990/Form990PartVIISectionAGrp/PersonNm4William J Campbell
IRS990/Form990PartVIISectionAGrp/PersonNm5Marjorie J Solomon
IRS990/Form990PartVIISectionAGrp/PersonNm6Terry Novatnack
IRS990/Form990PartVIISectionAGrp/PersonNm7Khue Tran
IRS990/Form990PartVIISectionAGrp/PersonNm8Jim Mikitka
IRS990/Form990PartVIISectionAGrp/PersonNm9Erin Henry
IRS990/Form990PartVIISectionAGrp/PersonNm10Cheryl Bartholomew
IRS990/Form990PartVIISectionAGrp/PersonNm11Jack Ewald
IRS990/Form990PartVIISectionAGrp/PersonNm12Donna L Fogel
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0240
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt26000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3240
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10193502
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1177641
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12110148
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/TitleTxt0Board Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10President & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11COO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CFO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01937
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/FundraisingDirectExpensesAmt00
IRS990/FundraisingGrossIncomeAmt00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GamingDirectExpensesAmt00
IRS990/GamingGrossIncomeAmt00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt00
IRS990/GrossReceiptsAmt03772820
IRS990/GrossRentsGrp/PersonalAmt00
IRS990/GrossRentsGrp/RealAmt00
IRS990/GrossSalesOfInventoryAmt00
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0349407
IRS990/InsuranceGrp/TotalAmt030835
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0436734
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt0638746
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0638746
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt014110018
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt07848663
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt025493913
IRS990/InvestmentsPubTradedSecGrp/EOYAmt023932439
IRS990/IRPDocumentCnt02876
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01206747
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02245280
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02179714
IRS990/LandBldgEquipCostOrOtherBssAmt03386461
IRS990/LegalDomicileStateCd0PA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0GOLD Credit Union's mission is to provide our members with a solid fiscal advantage through offering competitive loans and deposit products and convenient services. We recognize the individuality of each member. We want to bring convenience to our members' lives because we want them to find interacting with their credit union a positive experience that exceeds their expectations. We will accord members the respect, service and courtesy they deserve, for they are the true owners of our credit union.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt018035908
IRS990/NetAssetsOrFundBalancesEOYAmt018057587
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeFromGamingGrp/ExclusionAmt00
IRS990/NetIncomeFromGamingGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeOrLossGrp/ExclusionAmt00
IRS990/NetIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-90825
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0111130
IRS990/OfficeExpensesGrp/TotalAmt0127451
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01845148
IRS990/OtherAssetsTotalGrp/EOYAmt01868650
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0125682
IRS990/OtherExpensesGrp/Desc0Loan Processing and Servicing
IRS990/OtherExpensesGrp/Desc1Plastic Card Expenses
IRS990/OtherExpensesGrp/Desc2Provision for Loan Loss
IRS990/OtherExpensesGrp/TotalAmt0208588
IRS990/OtherExpensesGrp/TotalAmt1174118
IRS990/OtherExpensesGrp/TotalAmt281700
IRS990/OtherLiabilitiesGrp/BOYAmt0104985343
IRS990/OtherLiabilitiesGrp/EOYAmt0104342986
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0931351
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt072303598
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt080938738
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0110001
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt032471
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0162161
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0184152
IRS990/PrincipalOfficerNm0Cheryl Bartholomew
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522210
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest Income
IRS990/ProgramServiceRevenueGrp/Desc1Plastic Card Income
IRS990/ProgramServiceRevenueGrp/Desc2Other Income and Fees
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02841256
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1175504
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2117314
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02841256
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1175504
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2117314
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgSrvcAccomActy2Grp/Desc0Provide financial services to 8,676 members
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0753583
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01871551
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02995139
IRS990/PYRevenuesLessExpensesAmt0225618
IRS990/PYSalariesCompEmpBnftPaidAmt01651553
IRS990/PYTotalExpensesAmt03523104
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03748722
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0112504
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt018035908
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt018057587
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06500475
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04787823
IRS990/ScheduleBRequiredInd00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$122,727,574
Liabilities
$104,669,987
Net assets
$18,057,587
Revenue
$3,772,820
Expenses
$3,660,316
Net income
$112,504
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$1.61$3.39$1.77
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$143$133$9.18$7.49$9.04$1.55
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$156$145$11.1$6.26$7.45$1.19
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$160$145$14.5$5.39$6.47$1.08
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$146$130$16.1$5.29$6.53$1.24
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$138$121$16.9$5.32$6.28$0.96
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$131$114$17.3$4.24$4.72$0.49
2017Detailed filing. Detailed filing data is available for this year.$123$105$18.1$3.77$3.66$0.11
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$123$105$18.0$3.75$3.52$0.23
2015Detailed filing. Detailed filing data is available for this year.$121$103$17.8$3.63$3.31$0.32
2014Detailed filing. Detailed filing data is available for this year.$122$104$17.6$3.70$3.29$0.41
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$118$101$17.1$3.81$3.48$0.34
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$115$97.9$17.1$3.70
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$110$93.5$16.7$3.90
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$105$89.0$16.3$3.95
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2017 filings • 501(c)14 • $100M-$250M nonprofits