Liabilities / Assets
39th percentile
Higher debt load relative to assets than 39% of similar nonprofits.
990 • Fiscal year 2013 • EIN 23-1402813
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
39th percentile
Higher debt load relative to assets than 39% of similar nonprofits.
Liabilities / Revenue
58th percentile
Higher debt load relative to revenue than 58% of similar nonprofits.
Net Margin
28th percentile
Higher net margin than 28% of similar nonprofits.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
30th percentile
Faster asset growth than 30% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Assets
Up$61,542,816
Up $130,025 (+0.2%) from 2012
Net Assets
Up$7,149,192
Up $108,640 (+1.5%) from 2012
Liabilities
Up$54,393,624
Up $21,385 (+0.0%) from 2012
Revenue
$2,831,955
No earlier filing loaded for comparison.
Expenses
Up$2,723,849
Up $14,250 (+0.5%) from 2012
Net Income
$108,106
No earlier filing loaded for comparison.
White rose credit union is committed to improving the lives of our members and community, and inspiring others to do the same. It's our community. We care.
It is our belief that our members are the heart of white rose credit union. Through the education of our members, our employees, and our volunteers, we strive to: improve the quality of life for our members financial security by encouraging regular savings, providing education and counseling about credit and making loans for productive purposes. Serve the best interests of our members and community by operating on democratic ideals. Encourage help through self-help by living by the credit union philosophy of people helping people. Safety, soundness, service and democracy in action. These are but a few reasons why your decision to become a white rose credit union member is a wise one.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $33,256,203 | $31,419,201 | ▼ $1,837,002 |
| Investments in Publicly Traded Securities | $10,183,000 | $12,079,000 | ▲ $1,896,000 |
| Investments Other Securities | $10,687,074 | $11,517,488 | ▲ $830,414 |
| Rtn Earn Endowment Incm Other Fnds | $7,040,552 | $7,149,192 | ▲ $108,640 |
| Savings and Temporary Cash Investments | $3,682,943 | $3,510,868 | ▼ $172,075 |
| Land, Buildings, and Equipment, Net | $1,907,497 | $1,827,532 | ▼ $79,965 |
| Cash and Non-Interest-Bearing Accounts | $701,787 | $410,285 | ▼ $291,502 |
| Prepaid Expenses and Deferred Charges | $138,269 | $145,863 | ▲ $7,594 |
| Accounts Receivable | $108,313 | $109,525 | ▲ $1,212 |
| Intangible Assets | $24,243 | $21,663 | ▼ $2,580 |
| Total Assets | $61,412,791 | $61,542,816 | ▲ $130,025 |
| Other Assets Total | $723,462 | $501,391 | ▼ $222,071 |
| Liabilities | |||
| Other Liabilities | $54,348,861 | $53,549,614 | ▼ $799,247 |
| Accounts Payable and Accrued Expenses | $23,378 | $844,010 | ▲ $820,632 |
| Total Liabilities | $54,372,239 | $54,393,624 | ▲ $21,385 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $7,040,552 | $7,149,192 | ▲ $108,640 |
| Total Liabilities and Net Assets / Fund Balance | $61,412,791 | $61,542,816 | ▲ $130,025 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,207,866 | $368,660 | $1,576,526 |
| Equipment | $354,517 | - | $354,517 |
| Land | $261,521 | - | $261,521 |
| Leasehold Improvements | $3,628 | $2,403 | $6,031 |
| Other Securities | $464 | - | - |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Debra Kauffman | CEO/treasure | FT | $80,350 | $13,609 | $93,959 |
| Name | Title |
|---|---|
| Rodger Johnson | Chairman |
| Theresa Halpin | Vice Chair |
| Jeffrey a Deisinger | Director |
| John Brownlee Jr | Director |
| Steven Harrold | Director |
| Wade Simmons Sr | Director |
| Walter Bowman Jr | Director |
| Donald Sweitzer Jr | Secretary |
| Line Item | Amount |
|---|---|
| Other Expenses | $1,396,549 |
| Salaries, Compensation, and Employee Benefits | $1,327,300 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $978,894 |
| Office Expenses | - | - | - | $434,593 |
| Interest | - | - | - | $265,115 |
| Other Employee Benefits | - | - | - | $126,837 |
| Depreciation Depletion | - | - | - | $107,613 |
| Fees for Services Other | - | - | - | $104,399 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $93,959 |
| Payroll Taxes | - | - | - | $88,214 |
| Occupancy | - | - | - | $86,263 |
| Advertising | - | - | - | $77,348 |
| Pension Plan Contributions | - | - | - | $39,396 |
| Other Expenses | - | - | - | $31,426 |
| Insurance | - | - | - | $26,663 |
| Payments to Affiliates | - | - | - | $13,778 |
| Travel | - | - | - | $12,375 |
| Fees for Services Accounting | - | - | - | $10,402 |
| Conferences and Meetings | - | - | - | $1,220 |
| Total Functional Expenses | $0 | $0 | $0 | $2,723,849 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Regular Shares | $25,523,133 |
| Share Certificates | $7,752,445 |
| Ira Shares & Certificates | $7,409,325 |
| Share Drafts | $6,169,932 |
| Money Market | $5,463,563 |
| Club Accounts | $1,231,216 |
“The credit union has a single class of members. Each member has a single vote in the election of the members to the credit union's board of directors.”
“The credit union has a single class of members. Each member has a single vote in the election of members to the credit union's board of directors.”
“The credit union's members must approve: -the merger of the credit union. -the dissolution or conversion of the credit union. -changes to the credit union's charter, articles and bylaws.”
“The form 990 is reviewed by the credit union's ceo prior to submission.”
“The credit union's financial statements are posted in the credit union lobby on a monthly basis. Quarterly financial statements (call reports) are available on www.ncua.gov.”
“It is our belief that our members are the heart of white rose credit union. Through the education of our members, our employees, and our volunteers, we strive to: improve the quality of life for our members financial security by encouraging regular savings, providing education and counseling about credit and making loans for productive purposes. Serve the best interests of our members and community by operating on democratic ideals. Encourage help through self-help by living by the credit union philosophy of people helping people. Safety, soundness, service and democracy in action. These are but a few reasons why your decision to become a white rose credit union member is a wise one.”
“Provide loans and financial services to members.”
“NEW MEMBER FEES 534”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 23378 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 844010 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 108313 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 109525 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | IT IS OUR BELIEF THAT OUR MEMBERS ARE THE HEART OF WHITE ROSE CREDIT UNION. THROUGH THE EDUCATION OF OUR MEMBERS, OUR EMPLOYEES, AND OUR VOLUNTEERS, WE STRIVE TO: IMPROVE THE QUALITY OF LIFE FOR OUR MEMBERS FINANCIAL SECURITY BY ENCOURAGING REGULAR SAVINGS, PROVIDING EDUCATION AND COUNSELING ABOUT CREDIT AND MAKING LOANS FOR PRODUCTIVE PURPOSES. SERVE THE BEST INTERESTS OF OUR MEMBERS AND COMMUNITY BY OPERATING ON DEMOCRATIC IDEALS. ENCOURAGE HELP THROUGH SELF-HELP BY LIVING BY THE CREDIT UNION PHILOSOPHY OF PEOPLE HELPING PEOPLE. SAFETY, SOUNDNESS, SERVICE AND DEMOCRACY IN ACTION. THESE ARE BUT A FEW REASONS WHY YOUR DECISION TO BECOME A WHITE ROSE CREDIT UNION MEMBER IS A WISE ONE. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 77348 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | false |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | DEBRA KAUFFMAN |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 7177559773 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 3498 INDUSTRIAL DRIVE |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | YORK |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | PA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 17402 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 701787 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 410285 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 93959 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | false |
| IRS990/CompensationProcessOtherInd | 0 | false |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 1220 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 214724 |
| IRS990/CYOtherExpensesAmt | 0 | 1396549 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 2617231 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 108106 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1327300 |
| IRS990/CYTotalExpensesAmt | 0 | 2723849 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 2831955 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 107613 |
| IRS990/Desc | 0 | PROVIDE LOANS TO 9,987 MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 43 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 10402 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 104399 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 60.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.75 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.25 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 13609 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | DEBRA KAUFFMAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | STEVEN HARROLD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | THERESA HALPIN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | WALTER BOWMAN JR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | JOHN BROWNLEE JR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | DONALD SWEITZER JR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | WADE SIMMONS SR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | RODGER JOHNSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | JEFFREY A DEISINGER |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 80350 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CEO/TREASURE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | VICE CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormationYr | 0 | 1950 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 2831955 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 8 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 26663 |
| IRS990/IntangibleAssetsGrp/BOYAmt | 0 | 24243 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 21663 |
| IRS990/InterestGrp/TotalAmt | 0 | 265115 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 214724 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 214724 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 10687074 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 11517488 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 10183000 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 12079000 |
| IRS990/IRPDocumentCnt | 0 | 1957 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 371063 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1907497 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1827532 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 2198595 |
| IRS990/LegalDomicileStateCd | 0 | PA |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | IT IS OUR BELIEF THAT OUR MEMBERS ARE THE HEART OF WHITE ROSE CREDIT UNION. THROUGH THE EDUCATION OF OUR MEMBERS, OUR EMPLOYEES, AND OUR VOLUNTEERS, WE STRIVE TO: IMPROVE THE QUALITY OF LIFE FOR OUR MEMBERS FINANCIAL SECURITY BY ENCOURAGING REGULAR SAVINGS, PROVIDING EDUCATION AND COUNSELING ABOUT CREDIT AND MAKING LOANS FOR PRODUCTIVE PURPOSES. SERVE THE BEST INTERESTS OF OUR MEMBERS AND COMMUNITY BY OPERATING ON DEMOCRATIC IDEALS. ENCOURAGE HELP THROUGH SELF-HELP BY LIVING BY THE CREDIT UNION PHILOSOPHY OF PEOPLE HELPING PEOPLE. SAFETY, SOUNDNESS, SERVICE AND DEMOCRACY IN ACTION. THESE ARE BUT A FEW REASONS WHY YOUR DECISION TO BECOME A WHITE ROSE CREDIT UNION MEMBER IS A WISE ONE. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 7040552 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 7149192 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 86263 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 434593 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 723462 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 501391 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 534 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 126837 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 2 | MEMBER SHARE INSURANCE |
| IRS990/OtherExpensesGrp/Desc | 3 | OTHER MISCELLANEOUS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 105817 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 74181 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 45356 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 31426 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 54348861 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 53549614 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 978894 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 33256203 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 31419201 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 13778 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 88214 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 39396 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 138269 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 145863 |
| IRS990/PrincipalOfficerNm | 0 | DEBRA KAUFFMAN |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES AND CHARGES |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | ATM FOREIGN FEES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1936673 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 680282 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1936673 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 680282 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 276 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 276 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | PROVIDE FINANCIAL SERVICES TO 9,987 MEMBERS |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 0 | PROVIDE LOANS AND FINANCIAL SERVICES TO MEMBERS. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 209360 |
| IRS990/PYOtherExpensesAmt | 0 | 1400521 |
| IRS990/PYOtherRevenueAmt | 0 | 77620 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2714104 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 291485 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1309078 |
| IRS990/PYTotalExpensesAmt | 0 | 2709599 |
| IRS990/PYTotalRevenueAmt | 0 | 3001084 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 108106 |
| IRS990/RegularMonitoringEnfrcInd | 0 | false |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | true |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 7040552 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 7149192 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 3682943 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 3510868 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1207866 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 368660 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1576526 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 354517 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 354517 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 261521 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 261521 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 3628 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 2403 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 6031 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 25523133 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 7752445 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 7409325 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 6169932 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 5463563 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 5 | 1231216 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | REGULAR SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | SHARE CERTIFICATES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | IRA SHARES & CERTIFICATES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | SHARE DRAFTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | MONEY MARKET |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 5 | CLUB ACCOUNTS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 11253001 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 244023 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 15000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 3 | 5000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 4 | 464 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | CERTIFICATES OF DEPOSIT |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | CORP CU PERPETUAL CAPITAL |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | PACUSC STOCK |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 3 | MULTI-BANK MONEY FUNDS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 4 | LOANS HELD FOR SALE |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | F |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 4 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1827532 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 11517488 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 53549614 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | IT IS OUR BELIEF THAT OUR MEMBERS ARE THE HEART OF WHITE ROSE CREDIT UNION. THROUGH THE EDUCATION OF OUR MEMBERS, OUR EMPLOYEES, AND OUR VOLUNTEERS, WE STRIVE TO: IMPROVE THE QUALITY OF LIFE FOR OUR MEMBERS FINANCIAL SECURITY BY ENCOURAGING REGULAR SAVINGS, PROVIDING EDUCATION AND COUNSELING ABOUT CREDIT AND MAKING LOANS FOR PRODUCTIVE PURPOSES. SERVE THE BEST INTERESTS OF OUR MEMBERS AND COMMUNITY BY OPERATING ON DEMOCRATIC IDEALS. ENCOURAGE HELP THROUGH SELF-HELP BY LIVING BY THE CREDIT UNION PHILOSOPHY OF PEOPLE HELPING PEOPLE. SAFETY, SOUNDNESS, SERVICE AND DEMOCRACY IN ACTION. THESE ARE BUT A FEW REASONS WHY YOUR DECISION TO BECOME A WHITE ROSE CREDIT UNION MEMBER IS A WISE ONE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | PROVIDE LOANS AND FINANCIAL SERVICES TO MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS. EACH MEMBER HAS A SINGLE VOTE IN THE ELECTION OF THE MEMBERS TO THE CREDIT UNION'S BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS. EACH MEMBER HAS A SINGLE VOTE IN THE ELECTION OF MEMBERS TO THE CREDIT UNION'S BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE CREDIT UNION'S MEMBERS MUST APPROVE: -THE MERGER OF THE CREDIT UNION. -THE DISSOLUTION OR CONVERSION OF THE CREDIT UNION. -CHANGES TO THE CREDIT UNION'S CHARTER, ARTICLES AND BYLAWS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE FORM 990 IS REVIEWED BY THE CREDIT UNION'S CEO PRIOR TO SUBMISSION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE CREDIT UNION'S FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY ON A MONTHLY BASIS. QUARTERLY FINANCIAL STATEMENTS (CALL REPORTS) ARE AVAILABLE ON WWW.NCUA.GOV. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | NEW MEMBER FEES 534 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990 - ORGANIZATION'S MISSION |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 2, PART III, LINE 4D |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART XI, LINE 9 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 61412791 |
| IRS990/TotalAssetsEOYAmt | 0 | 61542816 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 61412791 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 61542816 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 43 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2723849 |
| IRS990/TotalGrossUBIAmt | 0 | 276 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 54372239 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 54393624 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 54372239 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 54393624 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 7040552 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 7149192 |
| IRS990/TotalOtherCompensationAmt | 0 | 13609 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 2617231 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 80350 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 214724 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2616955 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 2831955 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 276 |
| IRS990/TotalVolunteersCnt | 0 | 8 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 61412791 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 61542816 |
| IRS990/TravelGrp/TotalAmt | 0 | 12375 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1 | 0 | 3498 INDUSTRIAL DRIVE |
| IRS990/USAddress/City | 0 | YORK |
| IRS990/USAddress/State | 0 | PA |
| IRS990/USAddress/ZIPCode | 0 | 17402 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 9 |
| IRS990/VotingMembersIndependentCnt | 0 | 8 |
| IRS990/WebsiteAddressTxt | 0 | WWW.WHITEROSECU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2015-11-30 17:44:51Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | DEBRA KAUFFMAN |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 7177559773 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2014-08-05 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1 | 0 | WHITE ROSE CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | WHIT |
| ReturnHeader/Filer/EIN | 0 | 231402813 |
| ReturnHeader/Filer/PhoneNum | 0 | 7177559773 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 3498 INDUSTRIAL DRIVE |
| ReturnHeader/Filer/USAddress/City | 0 | YORK |
| ReturnHeader/Filer/USAddress/State | 0 | PA |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 17402 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 232290841 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1 | 0 | PADDEN GUERRINI & ASSOCIATES PC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1 | 0 | 91 CUMBERLAND PARKWAY |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City | 0 | MECHANICSBURG |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State | 0 | PA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode | 0 | 170555676 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 7177909333 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2014-08-08 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | FREDERICK A TABOR |
| ReturnHeader/ReturnTs | 0 | 2014-08-08T09:09:47-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2013-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2013-12-31 |
| ReturnHeader/TaxYr | 0 | 2013 |
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Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
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