Civic Intelligence

Lancaster Red Rose Credit Union

990 • Fiscal year 2011 • EIN 23-1343877

Jan 01, 2011 to Dec 31, 2011 • Filed on Apr 04, 2012

Organization ProfileWWW.LANCREDROSECU.ORG

View Organization Page

1010 New Holland Avenue17601
Siviq Scores

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

Liabilities / Assets

73rd percentile

0.91x

Higher debt load relative to assets than 73% of similar nonprofits.

2011 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

36th percentile

3.3%

Faster asset growth than 36% of similar nonprofits.

2011 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$59,876,627

Up $1,894,502 (+3.3%) from 2010

Net Assets

Down

$5,429,826

Down $280,749 (-4.9%) from 2010

Liabilities

Up

$54,446,801

Up $2,175,251 (+4.2%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$3,621,372

Up $760,767 (+27%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth36th percentile

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

$80M$60M$40M$20M$0Assets 2010: $57,982,125Liabilities 2010: $52,271,550Net Assets 2010: $5,710,5752010Assets 2011: $59,876,627Liabilities 2011: $54,446,801Net Assets 2011: $5,429,8262011Assets 2012: $59,962,176Liabilities 2012: $54,089,717Net Assets 2012: $5,872,4592012Assets 2013: $64,642,263Liabilities 2013: $58,748,748Net Assets 2013: $5,893,5152013Assets 2014: $64,095,203Liabilities 2014: $58,075,163Net Assets 2014: $6,020,0402014Assets 2015: $65,888,288Liabilities 2015: $59,501,053Net Assets 2015: $6,387,2352015Assets 2016: $63,573,613Liabilities 2016: $56,905,949Net Assets 2016: $6,667,6642016Assets 2017: $61,975,224Liabilities 2017: $55,278,815Net Assets 2017: $6,696,4092017Assets 2018: $57,315,497Liabilities 2018: $51,326,221Net Assets 2018: $5,989,2762018Assets 2019: $54,241,397Liabilities 2019: $48,298,098Net Assets 2019: $5,943,2992019Assets 2020: $60,507,381Liabilities 2020: $54,709,010Net Assets 2020: $5,798,3712020Assets 2021: $62,862,077Liabilities 2021: $57,476,586Net Assets 2021: $5,385,4912021Assets 2022: $59,764,850Liabilities 2022: $54,699,291Net Assets 2022: $5,065,5592022Assets 2023: $55,116,274Liabilities 2023: $49,734,763Net Assets 2023: $5,381,5112023Assets 2024: $52,212,531Liabilities 2024: $45,797,597Net Assets 2024: $6,414,9342024

Highlighted filing

2011

Assets$59,876,627
Liabilities$54,446,801
Net Assets$5,429,826
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$4.0M$2.0M$0-$2.0MExpenses 2010: $2,860,6052010Expenses 2011: $3,621,3722011Expenses 2012: $2,327,7162012Revenue 2013: $2,570,250Expenses 2013: $2,504,034Net Income 2013: $66,2162013Revenue 2014: $2,707,724Expenses 2014: $2,676,584Net Income 2014: $31,1402014Revenue 2015: $2,521,716Expenses 2015: $2,213,181Net Income 2015: $308,5352015Revenue 2016: $2,386,557Expenses 2016: $2,004,664Net Income 2016: $381,8932016Revenue 2017: $2,412,067Expenses 2017: $2,365,184Net Income 2017: $46,8832017Revenue 2018: $2,437,581Expenses 2018: $3,060,110Net Income 2018: -$622,5292018Revenue 2019: $2,345,784Expenses 2019: $2,489,398Net Income 2019: -$143,6142019Revenue 2020: $1,969,722Expenses 2020: $2,182,557Net Income 2020: -$212,8352020Revenue 2021: $1,412,692Expenses 2021: $1,761,716Net Income 2021: -$349,0242021Revenue 2022: $1,715,820Expenses 2022: $1,884,788Net Income 2022: -$168,9682022Revenue 2023: $2,661,218Expenses 2023: $1,569,984Net Income 2023: $1,091,2342023Revenue 2024: $2,858,751Expenses 2024: $1,803,344Net Income 2024: $1,055,4072024

Highlighted filing

2011

Revenue-
Expenses$3,621,372
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Apr 4, 2012
Return Version
2011v1.2
Gross Receipts
$3,137,675
Mission and Program Overview

Mission

The credit union is organized and operated to promote thrift among its members and create a source of low cost credit.

Major Activities

Activity 2
Provide financial services to 6,556 members.
Filing and Contact Details

Filer

EIN
23-1343877
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IRS990ScheduleO/GeneralExplanation/Explanation0PROVIDE LOANS AND FINANCIAL SERVICES TO 6,606 CREDIT UNION MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE CREDIT UNION IS A COOPERATIVE OWNED BY ITS MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation2EACH OF THE MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO CAST ONE VOTE IN THE ELECTION OF DIRECTORS TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation3THE CREDIT UNION'S VOTING MEMBERS HAVE VOTING INTEREST IN THE ELECTION OF BOARD MEMBERS AND THE APROVAL OF CONVERSION OF THE CREDIT UNION TO A DIFFERENT CHARTER.
IRS990ScheduleO/GeneralExplanation/Explanation4THE CREDIT UNION'S MANAGEMENT TEAM REVIEWS THE 990 PRIOR TO SUBMISSION.
IRS990ScheduleO/GeneralExplanation/Explanation5ANY CREDIT UNION EMPLOYEE, DIRECTOR, OFFICER, OR SPOUSE WHO IS ASSOCIATED WITH, OR HOLDS A 1,000.00 OR MORE OWNERSHIP INTEREST IN ANOTHER FINANCIAL INSTITUTION, TRADE ASSOCIATION OR RELATED BUSINESS SHALL FILE AN ANNUAL DISCLOSURE STATEMENT WITH THE BOARD CHAIRMAN WITHIN 30 DAYS OF JANUARY 1, THE START OF EMPLOYMENT, OR TAKING OFFICE. ANY APPARENT CONFLICT WILL BE RESOLVED BY THE BOARD AND THE INDIVIDUAL. WHEN MATTERS PERTAINING TO THE SPECIFIC PERSONAL INTEREST OF A BOARD MEMBER ARE DISCUSSED, THE AFFECTED BOARD MEMBER OR MEMBER SHALL NOT ENGAGE IN THE DISCUSSION NOR SHALL HE/SHE PARTICIPATE IN THE VOTE, AND THE MINUTES SHALL SO STATE. IF MORE THAN ONE BOARD MEMBER IS INVOLVED IN MATTERS INVOLVING A CONFLICT OF INTEREST AND A VOTE IS CALLED, THE NUMBER VOTING MUST EXCEED THE QUORUM REQUIREMENTS FOR THE MEETING OR UNANIMOUS ACTION IS REQUIRED OF THE VOTING BOARD MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation6THE BOARD OF DIRECTORS SETS THE SALARY FOR THE CEO. A SALARY SURVEY IS USED FROM CUNA. AN ANNUAL REVIEW IS COMPLETED AND RAISES GIVEN ON A MERIT / GOAL ACCOMPLISHED PROCESS.
IRS990ScheduleO/GeneralExplanation/Explanation7THE CEO SETS THE SALARY FOR SENIOR OFFICERS OTHER THAN THE CEO. A SALARY SURVEY FROM CUNA IS USED. AN ANNUAL REVIEW IS COMPLETED AND RAISES GIVEN ON A MERIT / GOAL ACCOMPLISHED PROCESS.
IRS990ScheduleO/GeneralExplanation/Explanation8FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION'S LOBBY AND CALL REPORTS CONTAINING FINANCIAL INFORMATION ARE POSTED ON NCUA.GOV. GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICIES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation9OTHER CHANGES IN NET ASSETS ARE MADE UP OF THE FOLLOWING: PERPETUAL MEMBER FEES PAID IN 403 CHANGE IN UNREALIZED LOSS ON AFS INVESTMENTS 202,545
IRS990ScheduleO/GeneralExplanation/Identifier0ALL OTHER ACCOMPLISHMENT DESCRIPTION
IRS990ScheduleO/GeneralExplanation/Identifier1CLASSES OF MEMBERS OR STOCKHOLDERS
IRS990ScheduleO/GeneralExplanation/Identifier2ELECTION OF MEMBERS AND THEIR RIGHTS
IRS990ScheduleO/GeneralExplanation/Identifier3DECISIONS SUBJECT TO APPROVAL OF MEMBERS
IRS990ScheduleO/GeneralExplanation/Identifier4ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier5ENFORCEMENT OF CONFLICTS POLICY
IRS990ScheduleO/GeneralExplanation/Identifier6COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier7COMPENSATION PROCESS FOR OFFICERS
IRS990ScheduleO/GeneralExplanation/Identifier8GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/Identifier9OTHER CHANGES IN NET ASSETS EXPLANATION
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/GeneralExplanation/ReturnReference8FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference9FORM 990, PART XI, LINE 5
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IRS990/SubjectToProxyTax0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine101010 NEW HOLLAND AV
IRS990/TheBooksAreInCareOf/AddressUS/City0LANCASTER
IRS990/TheBooksAreInCareOf/AddressUS/State0PA
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode017601
IRS990/TheBooksAreInCareOf/NamePerson0ROBERT J ERB
IRS990/TheBooksAreInCareOf/TelephoneNumber08009956685
IRS990/TotalAssets/BOY057982125
IRS990/TotalAssetsBOY057982125
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IRS990/TotalExpensesCurrentYear03621372
IRS990/TotalExpensesPriorYear02860605
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IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
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IRS990/TotalFunctionalExpenses/Total03621372
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI07526
IRS990/TotalLiabilities/BOY052271550
IRS990/TotalLiabilitiesBOY052271550
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IRS990/TotalLiabilitiesEOY054446801
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IRS990/TotalLiabNetAssetsFundBalances/EOY059876627
IRS990/TotalNbrEmployees025
IRS990/TotalNbrVolunteers014
IRS990/TotalNetAssetsFundBalances/BOY05710575
IRS990/TotalNetAssetsFundBalances/EOY05429826
IRS990/TotalOtherCompensation033824
IRS990/TotalOtherRevenue0410
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue02323648
IRS990/TotalReportableCompFromOrg0159920
IRS990/TotalRevenueCurrentYear03137675
IRS990/TotalRevenue/ExclusionAmount0813617
IRS990/TotalRevenuePriorYear03056651
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome02316532
IRS990/TotalRevenue/TotalRevenueColumn03137675
IRS990/TotalRevenue/UnrelatedBusinessRevenue07526
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Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$59,876,627
Liabilities
$54,446,801
Net assets
$5,429,826
Revenue
-
Expenses
$3,621,372
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$52.2$45.8$6.41$2.86$1.80$1.06
2023Detailed filing. Detailed filing data is available for this year.$55.1$49.7$5.38$2.66$1.57$1.09
2022Detailed filing. Detailed filing data is available for this year.$59.8$54.7$5.07$1.72$1.88$0.17
2021Detailed filing. Detailed filing data is available for this year.$62.9$57.5$5.39$1.41$1.76$0.35
2020Detailed filing. Detailed filing data is available for this year.$60.5$54.7$5.80$1.97$2.18$0.21
2019Detailed filing. Detailed filing data is available for this year.$54.2$48.3$5.94$2.35$2.49$0.14
2018Detailed filing. Detailed filing data is available for this year.$57.3$51.3$5.99$2.44$3.06$0.62
2017Detailed filing. Detailed filing data is available for this year.$62.0$55.3$6.70$2.41$2.37$0.05
2016Detailed filing. Detailed filing data is available for this year.$63.6$56.9$6.67$2.39$2.00$0.38
2015Detailed filing. Detailed filing data is available for this year.$65.9$59.5$6.39$2.52$2.21$0.31
2014Detailed filing. Detailed filing data is available for this year.$64.1$58.1$6.02$2.71$2.68$0.03
2013Detailed filing. Detailed filing data is available for this year.$64.6$58.7$5.89$2.57$2.50$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$60.0$54.1$5.87$2.33
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$59.9$54.4$5.43$3.62
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.0$52.3$5.71$2.86