Civic Intelligence

White Rose Credit Union

990 • Fiscal year 2015 • EIN 23-1402813

Jan 01, 2015 to Dec 31, 2015 • Filed on May 13, 2016

Organization ProfileWWW.WHITEROSECU.COM

View Organization Page

3498 Industrial DriveYork, PA 17402

(717) 755-9773

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.90x

Higher debt load relative to assets than 62% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Liabilities / Revenue

60th percentile

20.53x

Higher debt load relative to revenue than 60% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Net Margin

2nd percentile

-23%

Higher net margin than 2% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Top Officer Pay

22nd percentile

$107,812

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 3.7% of source-year revenue.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Asset Growth

67th percentile

6.2%

Faster asset growth than 67% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Revenue Growth

47th percentile

1.4%

Faster revenue growth than 47% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Up

$66,051,462

Up $3,872,574 (+6.2%) from 2014

Net Assets

Down

$6,727,435

Down $649,089 (-8.8%) from 2014

Liabilities

Up

$59,324,027

Up $4,521,663 (+8.3%) from 2014

Revenue And Expenses
Liabilities / Revenue60th percentileNet Margin2nd percentile

Revenue

Up

$2,889,648

Up $38,861 (+1.4%) from 2014

Expenses

Up

$3,542,135

Up $656,200 (+23%) from 2014

Net Income

Down

-$652,487

Down $617,339 (-1756%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth67th 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

2015

Assets$66,051,462
Liabilities$59,324,027
Net Assets$6,727,435
Open 2015 Filing

Operations Trend

Revenue Growth47th percentile

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

2015

Revenue$2,889,648
Expenses$3,542,135
Net Income-$652,487
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 13, 2016
Return Version
2015v2.1
Gross Receipts
$2,889,648
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.

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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$31,743,435$36,006,788▲ $4,263,353
Investments in Publicly Traded Securities$13,498,000$13,100,000▼ $398,000
Investments Other Securities$10,250,395$8,872,396▼ $1,377,999
Rtn Earn Endowment Incm Other Fnds$7,376,524$6,727,435▼ $649,089
Savings and Temporary Cash Investments$2,615,875$3,211,673▲ $595,798
Land, Buildings, and Equipment, Net$1,766,313$2,633,497▲ $867,184
Cash and Non-Interest-Bearing Accounts$1,029,654$1,083,297▲ $53,643
Prepaid Expenses and Deferred Charges$197,385$230,383▲ $32,998
Accounts Receivable$115,016$127,648▲ $12,632
Intangible Assets$19,083$18,972▼ $111
Total Assets$62,178,888$66,051,462▲ $3,872,574
Other Assets Total$943,732$766,808▼ $176,924
Liabilities
Other Liabilities$54,585,916$58,937,701▲ $4,351,785
Accounts Payable and Accrued Expenses$216,448$386,326▲ $169,878
Total Liabilities$54,802,364$59,324,027▲ $4,521,663
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,376,524$6,727,435▼ $649,089
Total Liabilities and Net Assets / Fund Balance$62,178,888$66,051,462▲ $3,872,574

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,031,747$471,851$2,503,598
Equipment$287,721-$287,721
Land$261,521-$261,521
Leasehold Improvements$52,508$14,836$67,344
Other Securities$15,000--
Compensation and Service Providers
Top Officer Pay22nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Debra KauffmanCEO/treasureFT$93,902$13,910$107,812

Board Members and Trustees

NameTitle
Theresa HalpinChairperson
James SanfordVice Chairpe
Cindy FultonDirector
George Watson IvDirector
Jeffrey a DeisingerDirector
John Brownlee JrDirector
Walter Bowman JrDirector
Donald Sweitzer JrSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,632,279
Investment Income
$242,906
Other Revenue
$14,463
Change in Net Assets
$-652,487
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,945,034
Salaries, Compensation, and Employee Benefits$1,597,101
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,200,314
Office Expenses---$545,994
Depreciation Depletion---$324,158
Occupancy---$177,667
Fees for Services Other---$146,427
Interest---$130,763
Other Employee Benefits---$128,277
Payroll Taxes---$123,566
Current Officers, Directors, Trustees, and Key Employees---$107,812
Advertising---$95,561
Other Expenses---$57,967
Pension Plan Contributions---$37,132
Insurance---$27,848
Travel---$12,010
Fees for Services Accounting---$5,915
Total Functional Expenses$0$0$0$3,542,135
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$31,092,524
Share Drafts$9,173,293
Share Certificates$6,264,389
Ira Shares & Certificates$5,960,106
Money Market$4,790,674
Other Shares$1,656,715
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
Yes
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
No
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, Page 6, Part VI, 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 of directors.”

Form 990, Page 6, Part VI, 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, Page 6, Part VI, Line 7B

“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.”

Form 990, Page 6, Part VI, Line 11B

“The form 990 is reviewed by the credit union's ceo prior to submission.”

Form 990, Page 6, Part VI, Line 19

“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.”

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
Debra Kauffman
Title
CEO/treasurer
Phone
7177559773
Signed
2016-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Debra Kauffman
Formed
1950
Legal Domicile
Pa
Voting Board Members
9
Independent Board Members
8
Employees
61
Volunteers
9

Preparer

Firm
Padden Guerrini & Associates Pc
Address
91 CUMBERLAND PARKWAY, MECHANICSBURG, PA 17055-5676
Preparer
Frederick a Tabor
Phone
7177909333
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“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.”

Form 990, Page 2, Part III, Line 4D

“Provide loans and financial services to more than 10,000 members.”

Form 990, Part XI, Line 9

“Equity acquired in merger 3,398 total 3,398”

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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/MissionDesc0IT 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.
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IRS990/OtherExpensesGrp/TotalAmt1186960
IRS990/OtherExpensesGrp/TotalAmt257967
IRS990/OtherLiabilitiesGrp/BOYAmt054585916
IRS990/OtherLiabilitiesGrp/EOYAmt058937701
IRS990/OtherSalariesAndWagesGrp/TotalAmt01200314
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt031743435
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt036006788
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0123566
IRS990/PensionPlanContributionsGrp/TotalAmt037132
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0197385
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0230383
IRS990/PrincipalOfficerNm0DEBRA KAUFFMAN
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01858936
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1413282
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2360061
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01858936
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1413282
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2360061
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE FINANCIAL SERVICES TO MORE THAN 10,000 MEMBERS.
IRS990/ProgSrvcAccomActyOtherGrp/Desc0PROVIDE LOANS AND FINANCIAL SERVICES TO MORE THAN 10,000 MEMBERS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0234618
IRS990/PYOtherExpensesAmt01512200
IRS990/PYOtherRevenueAmt048269
IRS990/PYProgramServiceRevenueAmt02567900
IRS990/PYRevenuesLessExpensesAmt0-35148
IRS990/PYSalariesCompEmpBnftPaidAmt01373735
IRS990/PYTotalExpensesAmt02885935
IRS990/PYTotalRevenueAmt02850787
IRS990/ReconcilationRevenueExpnssAmt0-652487
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt014463
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07376524
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06727435
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02615875
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03211673
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt02031747
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0471851
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02503598
IRS990ScheduleD/EquipmentGrp/BookValueAmt0287721
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0287721
IRS990ScheduleD/LandGrp/BookValueAmt0261521
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0261521
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt052508
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt014836
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt067344
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt031092524
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt19173293
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt26264389
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt35960106
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt44790674
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt51656715
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA SHARES & CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5OTHER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt08589000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1268396
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt215000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CORP CU PERPETUAL CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/Desc2PACUSC STOCK
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02633497
IRS990ScheduleD/TotalBookValueSecuritiesAmt08872396
IRS990ScheduleD/TotalLiabilityAmt058937701
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0IT 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/ExplanationTxt1PROVIDE LOANS AND FINANCIAL SERVICES TO MORE THAN 10,000 MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE 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/ExplanationTxt3THE 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/ExplanationTxt4THE 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/ExplanationTxt5THE FORM 990 IS REVIEWED BY THE CREDIT UNION'S CEO PRIOR TO SUBMISSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE 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/ExplanationTxt7EQUITY ACQUIRED IN MERGER 3,398 TOTAL 3,398
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt062178888
IRS990/TotalAssetsEOYAmt066051462
IRS990/TotalAssetsGrp/BOYAmt062178888
IRS990/TotalAssetsGrp/EOYAmt066051462
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt061
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt03542135
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt054802364
IRS990/TotalLiabilitiesEOYAmt059324027
IRS990/TotalLiabilitiesGrp/BOYAmt054802364
IRS990/TotalLiabilitiesGrp/EOYAmt059324027
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07376524
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06727435
IRS990/TotalOtherCompensationAmt013910
IRS990/TotalProgramServiceRevenueAmt02632279
IRS990/TotalReportableCompFromOrgAmt093902
IRS990/TotalRevenueGrp/ExclusionAmt0257369
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02632279
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02889648
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt062178888
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt066051462
IRS990/TravelGrp/TotalAmt012010
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt011 PINE STREET
IRS990/USAddress/CityNm0JACOBUS
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd0174071214
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.WHITEROSECU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DEBRA KAUFFMAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO/TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07177559773
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WHITE ROSE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0WHIT
ReturnHeader/Filer/EIN0231402813
ReturnHeader/Filer/PhoneNum07177559773
ReturnHeader/Filer/USAddress/AddressLine1Txt03498 INDUSTRIAL DRIVE
ReturnHeader/Filer/USAddress/CityNm0YORK
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd017402
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0232290841
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0PADDEN GUERRINI & ASSOCIATES PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt091 CUMBERLAND PARKWAY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MECHANICSBURG
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0170555676
ReturnHeader/PreparerPersonGrp/PhoneNum07177909333
ReturnHeader/PreparerPersonGrp/PreparationDt02016-05-18
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0FREDERICK A TABOR
ReturnHeader/ReturnTs02016-05-18T15:33:21-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$66,051,462
Liabilities
$59,324,027
Net assets
$6,727,435
Revenue
$2,889,648
Expenses
$3,542,135
Net income
-$652,487
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

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