Civic Intelligence

Ppl Gold Credit Union

EIN 23-0937747 • 501(c)14 • Allentown, PA

View Organization Page

Profile

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.

4703 Hamilton BlvdAllentown, PA 18103

www.pplgold.org

Siviq Scores

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

Liabilities / Assets

95th percentile

0.94x

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

501(c)14 • $100M-$250M nonprofits • Source year 2023

Liabilities / Revenue

69th percentile

17.82x

Higher debt load relative to revenue than 69% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Net Margin

2nd percentile

-21%

Higher net margin than 2% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

3rd percentile

-8.5%

Faster asset growth than 3% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Revenue Growth

68th percentile

20%

Faster revenue growth than 68% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets95th percentile

Assets

Down

$0

Down $142,657,018 (-100%) from 2023

Liabilities

Down

$0

Down $133,472,899 (-100%) from 2023

Net Assets

Down

$0

Down $9,184,119 (-100%) from 2023

Operations
Liabilities / Revenue69th percentileNet Margin2nd percentile

Revenue

Down

$1,613,084

Down $5,876,364 (-78%) from 2023

Expenses

Down

$3,385,931

Down $5,652,217 (-63%) from 2023

Net Income

Down

-$1,772,847

Down $224,147 (-14%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth3rd percentile

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

$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

2024

Assets$0
Liabilities$0
Net Assets$0
Open 2024 Filing

Operations Trend

Revenue Growth68th percentile

Revenue, expenses, and net income by year, with the latest 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

2024

Revenue$1,613,084
Expenses$3,385,931
Net Income-$1,772,847
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$1,613,084
Expenses
$3,385,931
Net income
-$1,772,847
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
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Oct 25, 2023
Return Version
2022v5.0
Gross Receipts
$6,259,974
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's mission is to empower our members to achieve personal financial success, as they define it. We listen intently, advise earnestly, and act purposefully, always with our member's best interests at heart. We dedicate ourselves to service of the individual member, of our trusted team, and to the community around us.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$117,121,850$113,881,344▼ $3,240,506
Investments in Publicly Traded Securities$26,283,026$21,399,109▼ $4,883,917
Rtn Earn Endowment Incm Other Fnds$14,467,561$11,140,494▼ $3,327,067
Savings and Temporary Cash Investments$5,015,901$4,907,096▼ $108,805
Investments Other Securities$2,241,022$4,743,022▲ $2,502,000
Land, Buildings, and Equipment, Net$1,979,635$2,248,867▲ $269,232
Accounts Receivable$882,289$1,680,764▲ $798,475
Cash and Non-Interest-Bearing Accounts$266,789$364,444▲ $97,655
Prepaid Expenses and Deferred Charges$85,015$165,327▲ $80,312
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$159,911,772$155,869,853▼ $4,041,919
Other Assets Total$6,036,245$6,479,880▲ $443,635
Liabilities
Other Liabilities$145,061,781$143,974,385▼ $1,087,396
Accounts Payable and Accrued Expenses$335,225$706,247▲ $371,022
Deferred Revenue$47,205$48,727▲ $1,522
Total Liabilities$145,444,211$144,729,359▼ $714,852
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,467,561$11,140,494▼ $3,327,067
Total Liabilities and Net Assets / Fund Balance$159,911,772$155,869,853▼ $4,041,919

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,070,327$531,743$1,602,070
Equipment$576,893$946,518$1,523,411
Land$601,647-$601,647
Leasehold Improvements$0$407,290$407,290
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cheryl BartholomewPresident & CEOFT$242,955$83,952$326,907
Donna L FogelCFOFT$162,771$27,720$190,491
Jennifer GoraCCOFT$105,004$41,348$146,352
Barrie ForbesBoard Treasurer-$6,350-$6,350
Cary QuarryBoard Chair-$240-$240
Daniel J MoffittBoard Secretary-$240-$240

Board Members and Trustees

NameTitle
Brent SchickBoard Chair
Melissa MichaelBoard Chair
Erin HenryBoard Director
Khue TranBoard Director
Marci HaydtBoard Director
Marjorie J SolomonBoard Director
William J CampbellBoard Director

Highest Paid Contractors

ContractorServicesLocationCompensation
Highmark Blue ShieldEmployee Health Insurance120 FIFTH AVE, Pittsburgh, PA 15222$526,682
Jack Henry & AssociatesData Processing663 W HIGHWAY 60, Monett, MO 65708$421,072
Simply ItIt Services1150 GLENLIVET DRIVE B29, Allentown, PA 18106$280,004
Cu Members MortgageMortgage Servicing13601 PRESTON ROAD SUITE 800W, Dallas, TX 75240$174,127
Twg SecuritySecurity4251 CHESTNUT STREET SUITE A, Emmaus, PA 18049$168,169
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,807,673
Investment Income
$452,301
Other Revenue
$0
Change in Net Assets
$-1,185,613
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,999,536
Salaries, Compensation, and Employee Benefits$3,446,051
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,076,020
Interest---$865,309
Current Officers, Directors, Trustees, and Key Employees---$663,749
Information Technology---$463,551
Other Employee Benefits---$415,080
Advertising---$260,012
All Other Expenses---$202,590
Payroll Taxes---$194,563
Other Expenses---$191,681
Office Expenses---$187,735
Occupancy---$151,242
Depreciation Depletion---$138,637
Pension Plan Contributions---$96,639
Fees for Services Accounting---$47,452
Insurance---$35,948
Travel---$3,727
Fees for Services Legal---$2,564
Total Functional Expenses$0$0$0$7,445,587
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 Accounts$90,101,647
Member Certificate Accounts$40,074,738
Nonmember Share Certificates$13,798,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
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.”

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

“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 of 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 at least annually, including this year. 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 in our branches monthly. Quarterly financials (5300 call reports) are available at 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
4842234200
Signed
2023-10-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cheryl Bartholomew
Formed
1937
Legal Domicile
Pa
Voting Board Members
9
Independent Board Members
9
Employees
56
Volunteers
22

Preparer

Firm
Rkl Llp
Address
1330 BROADCASTING ROAD, WYOMISSING, PA 19610-6008
Preparer
Ruthann J Woll CPA
Phone
6103761595
Raw XML AppendixShowing 400 of 485 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/BOYAmt0335225
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0706247
IRS990/AccountsReceivableGrp/BOYAmt0882289
IRS990/AccountsReceivableGrp/EOYAmt01680764
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0GOLD'S MISSION IS TO EMPOWER OUR MEMBERS TO ACHIEVE PERSONAL FINANCIAL SUCCESS, AS THEY DEFINE IT. WE LISTEN INTENTLY, ADVISE EARNESTLY, AND ACT PURPOSEFULLY, ALWAYS WITH OUR MEMBER'S BEST INTERESTS AT HEART. WE DEDICATE OURSELVES TO SERVICE OF THE INDIVIDUAL MEMBER, OF OUR TRUSTED TEAM, AND TO THE COMMUNITY AROUND US.
IRS990/AdvertisingGrp/TotalAmt0260012
IRS990/AllOtherExpensesGrp/TotalAmt0202590
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0CHERYL BARTHOLOMEW
IRS990/BooksInCareOfDetail/PhoneNum04842234200
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt04703 HAMILTON BLVD
IRS990/BooksInCareOfDetail/USAddress/CityNm0ALLENTOWN
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0PA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd018103
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0266789
IRS990/CashNonInterestBearingGrp/EOYAmt0364444
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt05
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0663749
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0526682
IRS990/ContractorCompensationGrp/CompensationAmt1421072
IRS990/ContractorCompensationGrp/CompensationAmt2280004
IRS990/ContractorCompensationGrp/CompensationAmt3174127
IRS990/ContractorCompensationGrp/CompensationAmt4168169
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0120 FIFTH AVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1663 W HIGHWAY 60
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt21150 GLENLIVET DRIVE B29
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt313601 PRESTON ROAD SUITE 800W
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt44251 CHESTNUT STREET SUITE A
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0PITTSBURGH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1MONETT
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2ALLENTOWN
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3DALLAS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4EMMAUS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0PA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1MO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2PA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4PA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd015222
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd165708
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd218106
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd375240
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd418049
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0HIGHMARK BLUE SHIELD
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1JACK HENRY & ASSOCIATES
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2SIMPLY IT
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3CU MEMBERS MORTGAGE
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4TWG SECURITY
IRS990/ContractorCompensationGrp/ServicesDesc0EMPLOYEE HEALTH INSURANCE
IRS990/ContractorCompensationGrp/ServicesDesc1DATA PROCESSING
IRS990/ContractorCompensationGrp/ServicesDesc2IT SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc3MORTGAGE SERVICING
IRS990/ContractorCompensationGrp/ServicesDesc4SECURITY
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0452301
IRS990/CYOtherExpensesAmt03999536
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt05807673
IRS990/CYRevenuesLessExpensesAmt0-1185613
IRS990/CYSalariesCompEmpBnftPaidAmt03446051
IRS990/CYTotalExpensesAmt07445587
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt06259974
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt047205
IRS990/DeferredRevenueGrp/EOYAmt048727
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0138637
IRS990/Desc0PROVIDE 2,728 LOANS TO 9,341 MEMBERS
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt056
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt047452
IRS990/FeesForServicesLegalGrp/TotalAmt02564
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt055.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt155.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt250.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt33.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt111.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt121.00
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/OtherCompensationAmt058217
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt116320
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt236848
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/PersonNm0CHERYL BARTHOLOMEW
IRS990/Form990PartVIISectionAGrp/PersonNm1DONNA L FOGEL
IRS990/Form990PartVIISectionAGrp/PersonNm2JENNIFER GORA
IRS990/Form990PartVIISectionAGrp/PersonNm3BARRIE FORBES
IRS990/Form990PartVIISectionAGrp/PersonNm4DANIEL J MOFFITT
IRS990/Form990PartVIISectionAGrp/PersonNm5CARY QUARRY
IRS990/Form990PartVIISectionAGrp/PersonNm6MARCI HAYDT
IRS990/Form990PartVIISectionAGrp/PersonNm7WILLIAM J CAMPBELL
IRS990/Form990PartVIISectionAGrp/PersonNm8MARJORIE J SOLOMON
IRS990/Form990PartVIISectionAGrp/PersonNm9KHUE TRAN
IRS990/Form990PartVIISectionAGrp/PersonNm10BRENT SCHICK
IRS990/Form990PartVIISectionAGrp/PersonNm11ERIN HENRY
IRS990/Form990PartVIISectionAGrp/PersonNm12MELISSA MICHAEL
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0268690
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1174171
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2109504
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt36350
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4240
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5240
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
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/TitleTxt0PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt2CCO
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12BOARD CHAIR
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01937
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt06259974
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0463551
IRS990/InsuranceGrp/TotalAmt035948
IRS990/InterestGrp/TotalAmt0865309
IRS990/InvestmentIncomeGrp/ExclusionAmt0452301
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0452301
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt02241022
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt04743022
IRS990/InvestmentsPubTradedSecGrp/BOYAmt026283026
IRS990/InvestmentsPubTradedSecGrp/EOYAmt021399109
IRS990/IRPDocumentCnt03052
IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt02248867
IRS990/LandBldgEquipCostOrOtherBssAmt04134418
IRS990/LegalDomicileStateCd0PA
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0GOLD'S MISSION IS TO EMPOWER OUR MEMBERS TO ACHIEVE PERSONAL FINANCIAL SUCCESS, AS THEY DEFINE IT. WE LISTEN INTENTLY, ADVISE EARNESTLY, AND ACT PURPOSEFULLY, ALWAYS WITH OUR MEMBERS' BEST INTERESTS AT HEART. WE DEDICATE OURSELVES TO SERVICE OF THE INDIVIDUAL MEMBER, OF OUR TRUSTED TEAM, AND TO THE COMMUNITY AROUND US.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt014467561
IRS990/NetAssetsOrFundBalancesEOYAmt011140494
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-2141454
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0151242
IRS990/OfficeExpensesGrp/TotalAmt0187735
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06036245
IRS990/OtherAssetsTotalGrp/EOYAmt06479880
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0415080
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN PROCESSING AND SER
IRS990/OtherExpensesGrp/Desc2CARD EXPENSES
IRS990/OtherExpensesGrp/TotalAmt0885700
IRS990/OtherExpensesGrp/TotalAmt1563388
IRS990/OtherExpensesGrp/TotalAmt2191681
IRS990/OtherLiabilitiesGrp/BOYAmt0145061781
IRS990/OtherLiabilitiesGrp/EOYAmt0143974385
IRS990/OtherSalariesAndWagesGrp/TotalAmt02076020
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0117121850
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0113881344
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0194563
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt096639
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt085015
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0165327
IRS990/PrincipalOfficerNm0CHERYL BARTHOLOMEW
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522210
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1OTHER INCOME AND FEES
IRS990/ProgramServiceRevenueGrp/Desc2CARD INCOME
IRS990/ProgramServiceRevenueGrp/Desc3AUTOMOBILE WARRANTIES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05239055
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1299286
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2269097
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05239055
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1299286
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2269097
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3235
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0235
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE FINANCIAL SERVICES TO 9,341 MEMBERS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0417112
IRS990/PYOtherExpensesAmt03074388
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt04971731
IRS990/PYRevenuesLessExpensesAmt0-1076830
IRS990/PYSalariesCompEmpBnftPaidAmt03391285
IRS990/PYTotalExpensesAmt06465673
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05388843
IRS990/ReconcilationRevenueExpnssAmt0-1185613
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt014467561
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt011140494
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05015901
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04907096
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01070327
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0531743
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01602070
IRS990ScheduleD/EquipmentGrp/BookValueAmt0576893
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0946518
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01523411
IRS990ScheduleD/LandGrp/BookValueAmt0601647
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0601647
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0407290
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0407290
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt090101647
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt140074738
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt213798000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMBER CERTIFICATE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2NONMEMBER SHARE CERTIFICATES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02248867
IRS990ScheduleD/TotalLiabilityAmt0143974385
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0242955
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1162771
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2105004
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount025735
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount111400
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount24500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt058217
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt116320
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt236848
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0CHERYL BARTHOLOMEW
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1DONNA L FOGEL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2JENNIFER GORA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CCO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0326907
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1190491
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2146352
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt20
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CREDIT UNION HAS A SINGLE CLASS OF VOTING MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION'S MEMBERS MUST APPROVE: THE APPOINTMENT OF 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3RETURN IS REVIEWED BY CREDIT UNION PRESIDENT & CEO PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION USES A THIRD PARTY COMPENSATION ADMINISTRATION SYSTEM FOR DETERMINING COMPENSATION OF ALL EMPLOYEES INCLUDING THE CEO AND OTHER OFFICERS/KEY EMPLOYEES AT LEAST ANNUALLY, INCLUDING THIS YEAR. ADDITIONALLY, THE CEO'S COMPENSATION IS APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5GOVERNING DOCUMENTS ARE PROVIDED UPON REQUEST AT THE CREDIT UNION'S MAIN OFFICE. THE CREDIT UNION'S FINANCIAL STATEMENTS ARE POSTED IN OUR BRANCHES MONTHLY. QUARTERLY FINANCIALS (5300 CALL REPORTS) ARE AVAILABLE AT WWW.NCUA.GOV.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6

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