Civic Intelligence

White Rose Credit Union

EIN 23-1402813 • 501(c)14 • York, PA

View Organization Page

Profile

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.

3498 Industrial DriveYork, PA 17402

www.whiterosecu.com

Siviq Scores

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

Liabilities / Assets

84th percentile

0.92x

Higher debt load relative to assets than 84% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

56th percentile

15.63x

Higher debt load relative to revenue than 56% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

8th percentile

-0.3%

Higher net margin than 8% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

16th percentile

$165,270

Higher top officer pay than 16% of similar nonprofits.

Top officer pay equals 2.5% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

50th percentile

2.6%

Faster asset growth than 50% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

8th percentile

-0.4%

Faster revenue growth than 8% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets84th percentile

Assets

Up

$114,202,315

Up $2,848,332 (+2.6%) from 2023

Liabilities

Up

$104,794,355

Up $2,829,979 (+2.8%) from 2023

Net Assets

Up

$9,407,960

Up $18,353 (+0.2%) from 2023

Operations
Liabilities / Revenue56th percentileNet Margin8th percentile

Revenue

Down

$6,705,909

Down $29,984 (-0.4%) from 2023

Expenses

Up

$6,728,351

Up $800,857 (+14%) from 2023

Net Income

Down

-$22,442

Down $830,841 (-103%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth50th percentile

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

$150M$100M$50M$0Assets 2010: $56,142,993Liabilities 2010: $50,042,411Net Assets 2010: $6,100,5822010Assets 2011: $56,410,284Liabilities 2011: $49,987,259Net Assets 2011: $6,423,0252011Assets 2012: $61,412,791Liabilities 2012: $54,372,239Net Assets 2012: $7,040,5522012Assets 2013: $61,542,816Liabilities 2013: $54,393,624Net Assets 2013: $7,149,1922013Assets 2014: $62,178,888Liabilities 2014: $54,802,364Net Assets 2014: $7,376,5242014Assets 2015: $66,051,462Liabilities 2015: $59,324,027Net Assets 2015: $6,727,4352015Assets 2016: $71,176,220Liabilities 2016: $64,510,386Net Assets 2016: $6,665,8342016Assets 2017: $73,847,966Liabilities 2017: $67,191,383Net Assets 2017: $6,656,5832017Assets 2018: $80,875,946Liabilities 2018: $73,862,684Net Assets 2018: $7,013,2622018Assets 2019: $82,814,237Liabilities 2019: $75,300,852Net Assets 2019: $7,513,3852019Assets 2020: $95,917,868Liabilities 2020: $88,069,398Net Assets 2020: $7,848,4702020Assets 2021: $105,277,487Liabilities 2021: $96,959,235Net Assets 2021: $8,318,2522021Assets 2022: $111,239,873Liabilities 2022: $102,567,852Net Assets 2022: $8,672,0212022Assets 2023: $111,353,983Liabilities 2023: $101,964,376Net Assets 2023: $9,389,6072023Assets 2024: $114,202,315Liabilities 2024: $104,794,355Net Assets 2024: $9,407,9602024

Highlighted filing

2024

Assets$114,202,315
Liabilities$104,794,355
Net Assets$9,407,960
Open 2024 Filing

Operations Trend

Revenue Growth8th percentile

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $2,763,5672010Expenses 2011: $2,726,8982011Expenses 2012: $2,709,5992012Revenue 2013: $2,831,955Expenses 2013: $2,723,849Net Income 2013: $108,1062013Revenue 2014: $2,850,787Expenses 2014: $2,885,935Net Income 2014: -$35,1482014Revenue 2015: $2,889,648Expenses 2015: $3,542,135Net Income 2015: -$652,4872015Revenue 2016: $3,380,984Expenses 2016: $3,443,701Net Income 2016: -$62,7172016Revenue 2017: $4,042,267Expenses 2017: $3,887,512Net Income 2017: $154,7552017Revenue 2018: $4,402,038Expenses 2018: $4,046,474Net Income 2018: $355,5642018Revenue 2019: $4,861,551Expenses 2019: $4,362,099Net Income 2019: $499,4522019Revenue 2020: $4,589,239Expenses 2020: $4,392,971Net Income 2020: $196,2682020Revenue 2021: $4,605,733Expenses 2021: $4,136,724Net Income 2021: $469,0092021Revenue 2022: $4,844,136Expenses 2022: $4,491,547Net Income 2022: $352,5892022Revenue 2023: $6,735,893Expenses 2023: $5,927,494Net Income 2023: $808,3992023Revenue 2024: $6,705,909Expenses 2024: $6,728,351Net Income 2024: -$22,4422024

Highlighted filing

2024

Revenue$6,705,909
Expenses$6,728,351
Net Income-$22,442
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$114,202,315
Liabilities
$104,794,355
Net assets
$9,407,960
Revenue
$6,705,909
Expenses
$6,728,351
Net income
-$22,442
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$114$105$9.41$6.71$6.73$0.02
2023Detailed filing. Detailed filing data is available for this year.$111$102$9.39$6.74$5.93$0.81
2022Detailed filing. Detailed filing data is available for this year.$111$103$8.67$4.84$4.49$0.35
2021Detailed filing. Detailed filing data is available for this year.$105$97.0$8.32$4.61$4.14$0.47
2020Detailed filing. Detailed filing data is available for this year.$95.9$88.1$7.85$4.59$4.39$0.20
2019Detailed filing. Detailed filing data is available for this year.$82.8$75.3$7.51$4.86$4.36$0.50
2018Detailed filing. Detailed filing data is available for this year.$80.9$73.9$7.01$4.40$4.05$0.36
2017Detailed filing. Detailed filing data is available for this year.$73.8$67.2$6.66$4.04$3.89$0.15
2016Detailed filing. Detailed filing data is available for this year.$71.2$64.5$6.67$3.38$3.44$0.06
2015Detailed filing. Detailed filing data is available for this year.$66.1$59.3$6.73$2.89$3.54$0.65
2014Detailed filing. Detailed filing data is available for this year.$62.2$54.8$7.38$2.85$2.89$0.04
2013Detailed filing. Detailed filing data is available for this year.$61.5$54.4$7.15$2.83$2.72$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$61.4$54.4$7.04$2.71
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.4$50.0$6.42$2.73
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.1$50.0$6.10$2.76
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Mar 21, 2025
Return Version
2024v5.0
Gross Receipts
$6,907,104
Mission and Program Overview

Mission

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.

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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$78,719,383$70,894,018▼ $7,825,365
Investments in Publicly Traded Securities$14,920,258$23,388,179▲ $8,467,921
Rtn Earn Endowment Incm Other Fnds$9,389,607$9,407,960▲ $18,353
Investments Other Securities$5,803,189$7,800,614▲ $1,997,425
Land, Buildings, and Equipment, Net$5,155,870$4,967,741▼ $188,129
Savings and Temporary Cash Investments$4,092,205$3,809,589▼ $282,616
Cash and Non-Interest-Bearing Accounts$753,125$782,789▲ $29,664
Accounts Receivable$450,527$533,685▲ $83,158
Prepaid Expenses and Deferred Charges$771,878$386,891▼ $384,987
Intangible Assets$10,761$8,777▼ $1,984
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$111,353,983$114,202,315▲ $2,848,332
Other Assets Total$676,787$1,630,032▲ $953,245
Liabilities
Other Liabilities$101,278,616$104,163,669▲ $2,885,053
Accounts Payable and Accrued Expenses$685,760$630,686▼ $55,074
Total Liabilities$101,964,376$104,794,355▲ $2,829,979
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,389,607$9,407,960▲ $18,353
Total Liabilities and Net Assets / Fund Balance$111,353,983$114,202,315▲ $2,848,332

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,674,932$1,035,802$4,710,734
Equipment$694,074-$694,074
Land$598,735-$598,735
Other Securities$14,738--
Compensation and Service Providers
Top Officer Pay16th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Debra Kauffman Till 92024CEO/treasurerFT$142,192$23,078$165,270
Bryan C Smith Start 102024President & CEOFT$103,803$22,295$126,098

Board Members and Trustees

NameTitle
James R SanfordChairperson
John a Brownlee JrVice Chairperson
George Watson IvDirector
Keith a CosgroveDirector
Christopher M DerouauxSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservCard / Atm Processing600 VEL R PHILIP AVE, Milwaukee, WI 53203$341,223
VisaCard Processing277 PARK AVENUE, New York, NY 10172$159,694
Cmc FlexCore Software8520 SANDY PKWY, Sandy, UT 84070$141,594
Treysta Technology ManagementIt Services540B GREENBRIAR ROAD, York, PA 17404$103,033
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,836,631
Investment Income
$856,323
Other Revenue
$12,955
Change in Net Assets
$-22,442
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,099,450
Salaries, Compensation, and Employee Benefits$2,626,901
Grants and Similar Amounts Paid$2,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,963,379
Office Expenses---$1,155,711
Interest---$849,940
Fees for Services Other---$588,463
Depreciation Depletion---$368,452
Current Officers, Directors, Trustees, and Key Employees---$291,946
Occupancy---$260,471
Payroll Taxes---$178,497
Other Employee Benefits---$165,076
Advertising---$115,725
Other Expenses---$101,076
Insurance---$65,161
Fees for Services Legal---$42,084
Fees for Services Accounting---$28,309
Pension Plan Contributions---$28,003
Travel---$17,113
Grants to Domestic Individuals---$2,000
Total Functional Expenses$0$0$0$6,728,351
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
Regular Shares$52,741,419
Share Drafts$20,877,386
Share Certificates$15,656,665
Ira Shares & Certificates$6,440,217
Money Market$5,733,341
Other Shares$2,714,641
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
No
Conflict-of-interest policy
Yes
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

“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 ofdirectors.”

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

“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.”

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

“Mergers and board of directors are goverance decisions that are decided by members of the credit union.”

Form 990, Part VI, Section B, Line 10B

“White rose credit union has written policies and procedures governing the activities of branches to ensure their operations are consistent.”

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

“The form 990 is reviewed by the chief executive officer before filing with the irs. Once reviewed the completed form 990 is available for review upon request.”

Form 990, Part VI, Section B, Line 15A

“Wrcu utlitizes cu solutions group and compease resource (data on salary ranges) to determine compensation and wage increases.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents and conflict of interest policy are available upon request. The credit union's financial statements are posted in the credit union lobby on a monthly basis.”

Filing and Contact Details

Filer

Filer Name
White Rose Credit Union
EIN
23-1402813
Phone
7177559773
Address
3498 INDUSTRIAL DRIVE, YORK, PA 17402

Signing Officer

Name
Bryan C Smith
Title
President & CEO
Phone
7177559773
Signed
2025-03-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Bryan C Smith
Formed
1950
Legal Domicile
Pa
Voting Board Members
6
Independent Board Members
5
Employees
54
Volunteers
7

Preparer

Firm
Rkl Llp
Address
1330 BROADCASTING ROAD, WYOMISSING, PA 19610-6008
Preparer
Ruthann J Woll CPA
Phone
6103761595
Supplemental Narrative

Additional Explanations

Part V Line 1C

“The organization did not have any instances where backup withholding was required; however, if the situation would arise, the organization is aware of the reporting requirements and would handle that accordingly.”

FORM 990, PART XI, LINE 9:

“Cecl transition amount 40,795.”

Raw XML AppendixShowing 400 of 440 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/BOYAmt0685760
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0630686
IRS990/AccountsReceivableGrp/BOYAmt0450527
IRS990/AccountsReceivableGrp/EOYAmt0533685
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0WHITE 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.
IRS990/AdvertisingGrp/TotalAmt0115725
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0BRYAN C SMITH
IRS990/BooksInCareOfDetail/PhoneNum07177559773
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03498 INDUSTRIAL DRIVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0YORK
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0PA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd017402
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0753125
IRS990/CashNonInterestBearingGrp/EOYAmt0782789
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt04
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0291946
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0341223
IRS990/ContractorCompensationGrp/CompensationAmt1159694
IRS990/ContractorCompensationGrp/CompensationAmt2141594
IRS990/ContractorCompensationGrp/CompensationAmt3103033
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt3540B GREENBRIAR ROAD
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2UT
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd110172
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd284070
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd317404
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2CMC FLEX
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IRS990/ContractorCompensationGrp/ServicesDesc0CARD / ATM PROCESSING
IRS990/ContractorCompensationGrp/ServicesDesc1CARD PROCESSING
IRS990/ContractorCompensationGrp/ServicesDesc2CORE SOFTWARE
IRS990/ContractorCompensationGrp/ServicesDesc3IT SERVICES
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt02000
IRS990/CYInvestmentIncomeAmt0856323
IRS990/CYOtherExpensesAmt04099450
IRS990/CYOtherRevenueAmt012955
IRS990/CYProgramServiceRevenueAmt05836631
IRS990/CYRevenuesLessExpensesAmt0-22442
IRS990/CYSalariesCompEmpBnftPaidAmt02626901
IRS990/CYTotalExpensesAmt06728351
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt06705909
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0368452
IRS990/Desc0PROVIDE LOANS TO MORE THAN 11,267 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
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IRS990/DonorAdvisedFundInd00
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IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt054
IRS990/EmploymentTaxReturnsFiledInd01
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IRS990/FederalGrantAuditRequiredInd00
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt023078
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
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IRS990/Form990PartVIISectionAGrp/PersonNm1JAMES R SANFORD
IRS990/Form990PartVIISectionAGrp/PersonNm2JOHN A BROWNLEE JR
IRS990/Form990PartVIISectionAGrp/PersonNm3CHRISTOPHER M DEROUAUX
IRS990/Form990PartVIISectionAGrp/PersonNm4GEORGE WATSON IV
IRS990/Form990PartVIISectionAGrp/PersonNm5KEITH A COSGROVE
IRS990/Form990PartVIISectionAGrp/PersonNm6BRYAN C SMITH START 102024
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
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IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6PRESIDENT & CEO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01950
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IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
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IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt06
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt02000
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0157300
IRS990/GrossReceiptsAmt06907104
IRS990/GrossRentsGrp/RealAmt012955
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InsuranceGrp/TotalAmt065161
IRS990/IntangibleAssetsGrp/BOYAmt010761
IRS990/IntangibleAssetsGrp/EOYAmt08777
IRS990/InterestGrp/TotalAmt0849940
IRS990/InvestmentIncomeGrp/ExclusionAmt0900218
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0900218
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt05803189
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt07800614
IRS990/InvestmentsPubTradedSecGrp/BOYAmt014920258
IRS990/InvestmentsPubTradedSecGrp/EOYAmt023388179
IRS990/IRPDocumentCnt02206
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01035802
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05155870
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04967741
IRS990/LandBldgEquipCostOrOtherBssAmt06003543
IRS990/LegalDomicileStateCd0PA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0201195
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WHITE 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt09389607
IRS990/NetAssetsOrFundBalancesEOYAmt09407960
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-43895
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-43895
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt012955
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt012955
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0260471
IRS990/OfficeExpensesGrp/TotalAmt01155711
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0676787
IRS990/OtherAssetsTotalGrp/EOYAmt01630032
IRS990/OtherChangesInNetAssetsAmt040795
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0165076
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1OTHER MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/TotalAmt0353986
IRS990/OtherExpensesGrp/TotalAmt1152959
IRS990/OtherExpensesGrp/TotalAmt2101076
IRS990/OtherLiabilitiesGrp/BOYAmt0101278616
IRS990/OtherLiabilitiesGrp/EOYAmt0104163669
IRS990/OtherSalariesAndWagesGrp/TotalAmt01963379
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt078719383
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt070894018
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0178497
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt028003
IRS990/PoliciesReferenceChaptersInd00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0771878
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0386891
IRS990/PrincipalOfficerNm0BRYAN C SMITH
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04162242
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1908078
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2766311
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04162242
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1908078
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2766311
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE AN INSURED FINANCIAL DEPOSITORY INSTITUTION FOR MORE THAN 11,267 MEMBERS.
IRS990/ProgSrvcAccomActy3Grp/Desc0PROVIDE FINANCIAL SERVICES TO MORE THAN 11,267 MEMBERS.
IRS990/ProgSrvcAccomActyOtherGrp/Desc0PROVIDE LOANS AND FINANCIAL SERVICES TO MORE THAN 11,267 MEMBERS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt02910
IRS990/PYInvestmentIncomeAmt0471272
IRS990/PYOtherExpensesAmt03276049
IRS990/PYOtherRevenueAmt011940
IRS990/PYProgramServiceRevenueAmt06252681
IRS990/PYRevenuesLessExpensesAmt0808399
IRS990/PYSalariesCompEmpBnftPaidAmt02648535
IRS990/PYTotalExpensesAmt05927494
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt06735893
IRS990/ReconcilationRevenueExpnssAmt0-22442
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt012955
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt09389607
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09407960
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04092205
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03809589
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03674932
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01035802
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04710734
IRS990ScheduleD/EquipmentGrp/BookValueAmt0694074
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0694074
IRS990ScheduleD/LandGrp/BookValueAmt0598735
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0598735
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt052741419
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt15733341
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt220877386
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt32714641
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt46440217
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt515656665
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRA SHARES & CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5SHARE CERTIFICATES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt07474078
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt115000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2274698
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt322100
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt414738
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1PACUSC STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CORP CU PERPETUAL CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/Desc3FHLB MEMBERSHIP STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc4FHLB CASH ACCOUNT
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04967741
IRS990ScheduleD/TotalBookValueSecuritiesAmt07800614
IRS990ScheduleD/TotalLiabilityAmt0104163669
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0142192
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt08601
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt014477
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0DEBRA KAUFFMAN TILL 92024
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO/TREASURER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0165270
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION DID NOT HAVE ANY INSTANCES WHERE BACKUP WITHHOLDING WAS REQUIRED; HOWEVER, IF THE SITUATION WOULD ARISE, THE ORGANIZATION IS AWARE OF THE REPORTING REQUIREMENTS AND WOULD HANDLE THAT ACCORDINGLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE 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 OFDIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE 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/ExplanationTxt3MERGERS AND BOARD OF DIRECTORS ARE GOVERANCE DECISIONS THAT ARE DECIDED BY MEMBERS OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4WHITE ROSE CREDIT UNION HAS WRITTEN POLICIES AND PROCEDURES GOVERNING THE ACTIVITIES OF BRANCHES TO ENSURE THEIR OPERATIONS ARE CONSISTENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE FORM 990 IS REVIEWED BY THE CHIEF EXECUTIVE OFFICER BEFORE FILING WITH THE IRS. ONCE REVIEWED THE COMPLETED FORM 990 IS AVAILABLE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6WRCU UTLITIZES CU SOLUTIONS GROUP AND COMPEASE RESOURCE (DATA ON SALARY RANGES) TO DETERMINE COMPENSATION AND WAGE INCREASES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE CREDIT UNION'S GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST. THE CREDIT UNION'S FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY ON A MONTHLY BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8CECL TRANSITION AMOUNT 40,795.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0PART V LINE 1C
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 10B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0111353983
IRS990/TotalAssetsEOYAmt0114202315
IRS990/TotalAssetsGrp/BOYAmt0111353983
IRS990/TotalAssetsGrp/EOYAmt0114202315
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt054
IRS990/TotalFunctionalExpensesGrp/TotalAmt06728351
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0101964376
IRS990/TotalLiabilitiesEOYAmt0104794355
IRS990/TotalLiabilitiesGrp/BOYAmt0101964376
IRS990/TotalLiabilitiesGrp/EOYAmt0104794355
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt09389607
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt09407960
IRS990/TotalOtherCompensationAmt045373
IRS990/TotalProgramServiceRevenueAmt05836631
IRS990/TotalReportableCompFromOrgAmt0245995
IRS990/TotalRevenueGrp/ExclusionAmt0869278
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt05836631
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt06705909
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0111353983
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0114202315
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt017113

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