Civic Intelligence

White Rose Credit Union

990 • Fiscal year 2012 • EIN 23-1402813

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 08, 2013

Organization ProfileWWW.WHITEROSECU.COM

View Organization Page

3498 Industrial Drive17402
Siviq Scores

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

Liabilities / Assets

39th percentile

0.89x

Higher debt load relative to assets than 39% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

79th percentile

8.9%

Faster asset growth than 79% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets39th percentile

Assets

Up

$61,412,791

Up $5,002,507 (+8.9%) from 2011

Net Assets

Up

$7,040,552

Up $617,527 (+9.6%) from 2011

Liabilities

Up

$54,372,239

Up $4,384,980 (+8.8%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$2,709,599

Down $17,299 (-0.6%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth79th percentile

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

$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

2012

Assets$61,412,791
Liabilities$54,372,239
Net Assets$7,040,552
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2012

Revenue-
Expenses$2,709,599
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 8, 2013
Return Version
2012v2.3
Gross Receipts
$3,001,084
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.

Major Activities

Activity 2
Provide financial services to 10,227 members
Filing and Contact Details

Filer

EIN
23-1402813
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IRS990ScheduleO/GeneralExplanation/Explanation0IT 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/GeneralExplanation/Explanation1PROVIDE LOANS AND FINANCIAL SERVICES TO MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation2THE 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/GeneralExplanation/Explanation3THE 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/GeneralExplanation/Explanation4THE 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/GeneralExplanation/Explanation5THE FORM 990 IS REVIEWED BY THE CREDIT UNION'S CEO PRIOR TO SUBMISSION.
IRS990ScheduleO/GeneralExplanation/Explanation6THE 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/GeneralExplanation/Explanation7NEW MEMBER FEES 504 EQUITY ACQUIRED IN MERGER 325,538 THE CREDIT UNION MERGED WITH CENTRAL YORK FEDERAL CREDIT UNION AS OF MARCH 30, 2012.
IRS990ScheduleO/GeneralExplanation/Identifier0ORGANIZATION'S MISSION
IRS990ScheduleO/GeneralExplanation/Identifier1ALL OTHER ACCOMPLISHMENT DESCRIPTION
IRS990ScheduleO/GeneralExplanation/Identifier2CLASSES OF MEMBERS OR STOCKHOLDERS
IRS990ScheduleO/GeneralExplanation/Identifier3ELECTION OF MEMBERS AND THEIR RIGHTS
IRS990ScheduleO/GeneralExplanation/Identifier4DECISIONS SUBJECT TO APPROVAL OF MEMBERS
IRS990ScheduleO/GeneralExplanation/Identifier5ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier6GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/Identifier7OTHER CHANGES IN NET ASSETS EXPLANATION
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990 - ORGANIZATION'S MISSION
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IRS990/StateLegalDomicile0PA
IRS990/SubjectToProxyTax0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine103498 INDUSTRIAL DRIVE
IRS990/TheBooksAreInCareOf/AddressUS/City0YORK
IRS990/TheBooksAreInCareOf/AddressUS/State0PA
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode017402
IRS990/TheBooksAreInCareOf/NamePerson0DEBRA KAUFFMAN
IRS990/TheBooksAreInCareOf/TelephoneNumber07177559773
IRS990/TotalAssets/BOY056410284
IRS990/TotalAssetsBOY056410284
IRS990/TotalAssets/EOY061412791
IRS990/TotalAssetsEOY061412791
IRS990/TotalCompGT150K0false
IRS990/TotalExpensesCurrentYear02709599
IRS990/TotalExpensesPriorYear02726898
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
IRS990/TotalFunctionalExpenses/Total02709599
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI0323
IRS990/TotalLiabilities/BOY049987259
IRS990/TotalLiabilitiesBOY049987259
IRS990/TotalLiabilities/EOY054372239
IRS990/TotalLiabilitiesEOY054372239
IRS990/TotalLiabNetAssetsFundBalances/BOY056410284
IRS990/TotalLiabNetAssetsFundBalances/EOY061412791
IRS990/TotalNbrEmployees043
IRS990/TotalNbrVolunteers010
IRS990/TotalNetAssetsFundBalances/BOY06423025
IRS990/TotalNetAssetsFundBalances/EOY07040552
IRS990/TotalOtherCompensation011887
IRS990/TotalOtherRevenue077620
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue02714104
IRS990/TotalReportableCompFromOrg082591
IRS990/TotalRevenueCurrentYear03001084
IRS990/TotalRevenue/ExclusionAmount0209360
IRS990/TotalRevenuePriorYear03068314
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome02791401
IRS990/TotalRevenue/TotalRevenueColumn03001084
IRS990/TotalRevenue/UnrelatedBusinessRevenue0323
IRS990/Travel/Total027075
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/UponRequest0X
IRS990/WebSite0WWW.WHITEROSECU.COM
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01950
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/Filer/EIN0231402813
ReturnHeader/Filer/Name/BusinessNameLine10WHITE ROSE CREDIT UNION
ReturnHeader/Filer/NameControl0WHIT
ReturnHeader/Filer/Phone07177559773
ReturnHeader/Filer/USAddress/AddressLine103498 INDUSTRIAL DRIVE
ReturnHeader/Filer/USAddress/City0YORK
ReturnHeader/Filer/USAddress/State0PA
ReturnHeader/Filer/USAddress/ZIPCode017402
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02013-11-08
ReturnHeader/Officer/Name0DEBRA KAUFFMAN
ReturnHeader/Officer/Phone07177559773
ReturnHeader/Officer/Title0CEO
ReturnHeader/Preparer/DatePrepared02013-11-11
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10PADDEN GUERRINI & ASSOCIATES PC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1091 CUMBERLAND PARKWAY
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0MECHANICSBURG
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0PA
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode0170555676
ReturnHeader/Preparer/Name0FREDERICK A TABOR
ReturnHeader/Preparer/Phone07177631644
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$61,412,791
Liabilities
$54,372,239
Net assets
$7,040,552
Revenue
-
Expenses
$2,709,599
Net income
-
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2012 filings • 501(c)14 • $50M-$100M nonprofits