Civic Intelligence

Reading Berks School Employees Credit Union

EIN 23-1332297 • 501(c)14 • Reading, PA

Profile

1. Pay competitive dividends on saving accounts to its members. 2. Provide loans to members at competitive or lower interest rates.

4641 Pottsville PikeReading, PA 19605

rbsecu.com

Siviq Scores

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

Liabilities / Assets

1st percentile

0.00x

Higher debt load relative to assets than 1% of similar nonprofits.

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

Liabilities / Revenue

5th percentile

0.00x

Higher debt load relative to revenue than 5% of similar nonprofits.

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

Net Margin

32nd percentile

1.5%

Higher net margin than 32% of similar nonprofits.

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

Top Officer Pay

23rd percentile

$53,996

Higher top officer pay than 23% of similar nonprofits.

Top officer pay equals 12.1% of source-year revenue.

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

Asset Growth

7th percentile

-11%

Faster asset growth than 7% of similar nonprofits.

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

Revenue Growth

28th percentile

1.3%

Faster revenue growth than 28% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets1st percentile

Assets

Down

$14,423,543

Down $1,770,988 (-11%) from 2023

Liabilities

Up

$54

Up $566 (+111%) from 2023

Net Assets

Down

$14,423,489

Down $1,771,554 (-11%) from 2023

Operations
Liabilities / Revenue5th percentileNet Margin32nd percentile

Revenue

Up

$446,952

Up $5,531 (+1.3%) from 2023

Expenses

Up

$440,086

Up $122,565 (+39%) from 2023

Net Income

Down

$6,866

Down $117,034 (-94%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth7th percentile

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

$30M$20M$10M$0-$10MAssets 2010: $18,971,970Liabilities 2010: $79,647Net Assets 2010: $18,892,3232010Assets 2011: $19,832,794Liabilities 2011: $50,263Net Assets 2011: $19,782,5312011Assets 2012: $21,373,668Liabilities 2012: $42,919Net Assets 2012: $21,330,7492012Assets 2013: $21,860,051Liabilities 2013: $43,838Net Assets 2013: $21,816,2132013Assets 2014: $20,822,715Liabilities 2014: $35,052Net Assets 2014: $20,787,6632014Assets 2015: $19,685,649Liabilities 2015: $21,630Net Assets 2015: $19,664,0192015Assets 2016: $19,785,183Liabilities 2016: $33,143Net Assets 2016: $19,752,0402016Assets 2017: $19,717,938Liabilities 2017: $44,105Net Assets 2017: $19,673,8332017Assets 2018: $18,694,136Liabilities 2018: $786Net Assets 2018: $18,693,3502018Assets 2019: $17,573,987Liabilities 2019: -$4,704Net Assets 2019: $17,578,6912019Assets 2020: $17,961,648Liabilities 2020: -$29,327Net Assets 2020: $17,990,9752020Assets 2021: $18,653,725Liabilities 2021: $1,389Net Assets 2021: $18,652,3362021Assets 2022: $18,780,055Liabilities 2022: -$1,423Net Assets 2022: $18,781,4782022Assets 2023: $16,194,531Liabilities 2023: -$512Net Assets 2023: $16,195,0432023Assets 2024: $14,423,543Liabilities 2024: $54Net Assets 2024: $14,423,4892024

Highlighted filing

2024

Assets$14,423,543
Liabilities$54
Net Assets$14,423,489
Open 2024 Filing

Operations Trend

Revenue Growth28th percentile

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

$800K$600K$400K$200K$0-$200KExpenses 2010: $603,0912010Expenses 2011: $537,1422011Expenses 2012: $485,2992012Revenue 2013: $495,240Expenses 2013: $392,363Net Income 2013: $102,8772013Revenue 2014: $439,656Expenses 2014: $439,656Net Income 2014: $02014Revenue 2015: $435,387Expenses 2015: $435,387Net Income 2015: $02015Revenue 2016: $386,953Expenses 2016: $386,953Net Income 2016: $02016Revenue 2017: $393,218Expenses 2017: $393,218Net Income 2017: $02017Revenue 2018: $462,441Expenses 2018: $414,187Net Income 2018: $48,2542018Revenue 2019: $466,176Expenses 2019: $544,634Net Income 2019: -$78,4582019Revenue 2020: $388,599Expenses 2020: $423,373Net Income 2020: -$34,7742020Revenue 2021: $293,471Expenses 2021: $354,439Net Income 2021: -$60,9682021Revenue 2022: $336,982Expenses 2022: $357,192Net Income 2022: -$20,2102022Revenue 2023: $441,421Expenses 2023: $317,521Net Income 2023: $123,9002023Revenue 2024: $446,952Expenses 2024: $440,086Net Income 2024: $6,8662024

Highlighted filing

2024

Revenue$446,952
Expenses$440,086
Net Income$6,866
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$14,423,543
Liabilities
$54
Net assets
$14,423,489
Revenue
$446,952
Expenses
$440,086
Net income
$6,866
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$14.4$0.00$14.4$0.45$0.44$0.01
2023Detailed filing. Detailed filing data is available for this year.$16.2$0.00$16.2$0.44$0.32$0.12
2022Detailed filing. Detailed filing data is available for this year.$18.8$0.00$18.8$0.34$0.36$0.02
2021Detailed filing. Detailed filing data is available for this year.$18.7$0.00$18.7$0.29$0.35$0.06
2020Detailed filing. Detailed filing data is available for this year.$18.0$0.03$18.0$0.39$0.42$0.03
2019Detailed filing. Detailed filing data is available for this year.$17.6$0.00$17.6$0.47$0.54$0.08
2018Detailed filing. Detailed filing data is available for this year.$18.7$0.00$18.7$0.46$0.41$0.05
2017Detailed filing. Detailed filing data is available for this year.$19.7$0.04$19.7$0.39$0.39$0.00
2016Detailed filing. Detailed filing data is available for this year.$19.8$0.03$19.8$0.39$0.39$0.00
2015Detailed filing. Detailed filing data is available for this year.$19.7$0.02$19.7$0.44$0.44$0.00
2014Detailed filing. Detailed filing data is available for this year.$20.8$0.04$20.8$0.44$0.44$0.00
2013Detailed filing. Detailed filing data is available for this year.$21.9$0.04$21.8$0.50$0.39$0.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.4$0.04$21.3$0.49
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.8$0.05$19.8$0.54
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.0$0.08$18.9$0.60
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 10, 2025
Return Version
2024v5.0
Gross Receipts
$446,952
Mission and Program Overview

Mission

1. Pay competitive dividends on saving accounts to its members. 2. Provide loans to members at competitive or lower interest rates.

Provide low interest loans and pay competitive dividends on saving accounts to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$14,098,549$12,320,103▼ $1,778,446
Investments in Publicly Traded Securities$9,142,000$7,172,000▼ $1,970,000
Other Notes and Loans Receivable, Net$6,077,329$6,289,401▲ $212,072
Rtn Earn Endowment Incm Other Fnds$2,096,494$2,103,386▲ $6,892
Cash and Non-Interest-Bearing Accounts$510,165$779,971▲ $269,806
Prepaid Expenses and Deferred Charges$16,752$15,715▼ $1,037
Receivables From Officers Etc$3,591$1,526▼ $2,065
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities-$0-
Investments Program Related-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$16,194,531$14,423,543▼ $1,770,988
Other Assets Total$444,694$164,930▼ $279,764
Liabilities
Accounts Payable and Accrued Expenses$-512$54▲ $566
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$-512$54▲ $566
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,195,043$14,423,489▼ $1,771,554
Total Liabilities and Net Assets / Fund Balance$16,194,531$14,423,543▼ $1,770,988
Compensation and Service Providers
Top Officer Pay23rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Steven L HarrisPresident TreasurerPT$53,996$53,996
Patricia a SandsBoard MemberPT$39,838$39,838
Shirley J NussVice PresidentPT$39,838$39,838
Marilyn SeidersSecretaryPT$27,964$27,964
Gina BeckerClericalPT$5,462$5,462
Kim DidypungclericalPT$727$727

Board Members and Trustees

NameTitle
Elizabeth GattoneBoard Member
John C BoyerBoard Member
Joseph GodekBoard Member
Susan GodekBoard Member
Jeffrey GattoneBoard Members
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$446,952
Other Revenue
$0
Change in Net Assets
$6,866
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$256,073
Salaries, Compensation, and Employee Benefits$184,013
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$167,825
Other Expenses---$91,501
Fees for Services Other---$34,584
Fees for Services Legal---$29,656
Fees for Services Accounting---$28,560
Occupancy---$24,082
Office Expenses---$15,517
Payroll Taxes---$13,756
Insurance---$12,527
Fees for Services Management---$10,577
Information Technology---$5,880
Travel---$2,640
Other Salaries and Wages---$2,432
Advertising---$549
Total Functional Expenses$0$0$0$440,086
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
Receivables from Officers, Directors, Trustees, and Key Employees$3,591$1,526▼ $2,065
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
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 2

“Jeffrey and Elizabeth Gattone are married. Joseph and Susan Godek are married.”

Form 990, Part VI, Section A, Line 6

“We have members that have shares in the credit union.”

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

“All members of the Credit Union may vote for someone during the annual meeting.”

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

“Change in location and approval of board members.”

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

“After submitting the form it is presented at the next business meeting.”

Form 990, Part VI, Section B, Line 15

“All employees are reviewed and the board determines pay increases. The board excluding those being paid will vote on the salaries.”

Form 990, Part VI, Section C, Line 19

“No, except to the government - NCUA”

Filing and Contact Details

Filer

Filer Name
Reading Berks School Employees Credit Union
EIN
23-1332297
Phone
6109211003
Address
4641 Pottsville Pike, READING, PA 19605

Signing Officer

Name
Steven Harris
Title
President
Phone
6109211003
Signed
2025-05-10

Organization Details

Principal Officer
Steven Harris
Formed
1944
Legal Domicile
Pa
Voting Board Members
1,290
Independent Board Members
1,290
Employees
5
Volunteers
0
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Shares withdrawn.”

Raw XML AppendixShowing 400 of 438 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.

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IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT
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IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
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IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt00
IRS990/GrossReceiptsAmt0446952
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/IndependentVotingMemberCnt01290
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt05880
IRS990/InsuranceGrp/TotalAmt012527
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0446952
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0446952
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt09142000
IRS990/InvestmentsPubTradedSecGrp/EOYAmt07172000
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
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/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc01. Pay competitive dividends on saving accounts to its members. 2. Provide loans to members at competitive or lower interest rates.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt016195043
IRS990/NetAssetsOrFundBalancesEOYAmt014423489
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/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt024082
IRS990/OfficeExpensesGrp/TotalAmt015517
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0444694
IRS990/OtherAssetsTotalGrp/EOYAmt0164930
IRS990/OtherChangesInNetAssetsAmt0-1778420
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Dividend payments
IRS990/OtherExpensesGrp/TotalAmt091501
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt02432
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt06077329
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt06289401
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt013756
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt016752
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt015715
IRS990/PrincipalOfficerNm0Steven Harris
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgSrvcAccomActy2Grp/Desc0Provide competitive low interest loans for credit union members
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0182186
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0269829
IRS990/PYOtherRevenueAmt0264766
IRS990/PYProgramServiceRevenueAmt00
IRS990/PYRevenuesLessExpensesAmt06866
IRS990/PYSalariesCompEmpBnftPaidAmt0170257
IRS990/PYTotalExpensesAmt0440086
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0446952
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt03591
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01526
IRS990/ReconcilationRevenueExpnssAmt06866
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02096494
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02103386
IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Jeffrey and Elizabeth Gattone are married. Joseph and Susan Godek are married.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1We have members that have shares in the credit union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2All members of the Credit Union may vote for someone during the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Change in location and approval of board members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4After submitting the form it is presented at the next business meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5All employees are reviewed and the board determines pay increases. The board excluding those being paid will vote on the salaries.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6No, except to the government - NCUA
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Shares withdrawn.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0PA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt016194531
IRS990/TotalAssetsEOYAmt014423543
IRS990/TotalAssetsGrp/BOYAmt016194531
IRS990/TotalAssetsGrp/EOYAmt014423543
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0440086
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0-512
IRS990/TotalLiabilitiesEOYAmt054
IRS990/TotalLiabilitiesGrp/BOYAmt0-512
IRS990/TotalLiabilitiesGrp/EOYAmt054
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt016195043
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt014423489
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt00
IRS990/TotalReportableCompFromOrgAmt0167825
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0446952
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0446952

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