Civic Intelligence

White Rose Credit Union

990 • Fiscal year 2016 • EIN 23-1402813

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 14, 2017

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

76th percentile

0.91x

Higher debt load relative to assets than 76% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

50th percentile

19.08x

Higher debt load relative to revenue than 50% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Net Margin

11th percentile

-1.9%

Higher net margin than 11% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

21st percentile

$106,294

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 3.1% of source-year revenue.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Asset Growth

84th percentile

7.8%

Faster asset growth than 84% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

93rd percentile

17%

Faster revenue growth than 93% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$71,176,220

Up $5,124,758 (+7.8%) from 2015

Net Assets

Down

$6,665,834

Down $61,601 (-0.9%) from 2015

Liabilities

Up

$64,510,386

Up $5,186,359 (+8.7%) from 2015

Revenue And Expenses
Liabilities / Revenue50th percentileNet Margin11th percentile

Revenue

Up

$3,380,984

Up $491,336 (+17%) from 2015

Expenses

Down

$3,443,701

Down $98,434 (-2.8%) from 2015

Net Income

Up

-$62,717

Up $589,770 (+90%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth84th 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

2016

Assets$71,176,220
Liabilities$64,510,386
Net Assets$6,665,834
Open 2016 Filing

Operations Trend

Revenue Growth93rd 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

2016

Revenue$3,380,984
Expenses$3,443,701
Net Income-$62,717
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 14, 2017
Return Version
2016v3.0
Gross Receipts
$3,380,984
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.

Our mission at white rose credit union is to exceed our member's expectations and become their trusted partner in achieving their financial goals through exceptional member services. We strive to improve the economic well-being of our member's lives. Our commitment to this goal extends beyond providinghe highest quality financial products and services at the lowest possible cost. We exist so that our members can thrive financially.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$36,006,788$43,482,974▲ $7,476,186
Investments in Publicly Traded Securities$13,100,000$12,320,000▼ $780,000
Rtn Earn Endowment Incm Other Fnds$6,727,435$6,665,834▼ $61,601
Investments Other Securities$8,872,396$5,678,396▼ $3,194,000
Savings and Temporary Cash Investments$3,211,673$5,012,675▲ $1,801,002
Land, Buildings, and Equipment, Net$2,633,497$2,479,756▼ $153,741
Cash and Non-Interest-Bearing Accounts$1,083,297$873,889▼ $209,408
Prepaid Expenses and Deferred Charges$230,383$393,411▲ $163,028
Accounts Receivable$127,648$170,193▲ $42,545
Intangible Assets$18,972$16,171▼ $2,801
Total Assets$66,051,462$71,176,220▲ $5,124,758
Other Assets Total$766,808$748,755▼ $18,053
Liabilities
Other Liabilities$58,937,701$64,036,883▲ $5,099,182
Accounts Payable and Accrued Expenses$386,326$473,503▲ $87,177
Total Liabilities$59,324,027$64,510,386▲ $5,186,359
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,727,435$6,665,834▼ $61,601
Total Liabilities and Net Assets / Fund Balance$66,051,462$71,176,220▲ $5,124,758

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,974,849$534,108$2,508,957
Land$261,521-$261,521
Equipment$196,637-$196,637
Leasehold Improvements$46,749$20,595$67,344
Other Securities$15,000--
Compensation and Service Providers
Top Officer Pay21st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Debra KauffmanCEO/treasureFT$92,384$13,910$106,294

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,135,254
Investment Income
$235,488
Other Revenue
$10,242
Change in Net Assets
$-62,717
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,906,148
Salaries, Compensation, and Employee Benefits$1,537,553
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,138,323
Office Expenses---$550,055
Depreciation Depletion---$347,546
Occupancy---$215,009
Fees for Services Other---$172,234
Other Employee Benefits---$128,316
Payroll Taxes---$127,837
Interest---$127,738
Current Officers, Directors, Trustees, and Key Employees---$106,294
Advertising---$87,492
Other Expenses---$51,562
Pension Plan Contributions---$36,783
Insurance---$31,971
Travel---$9,179
Fees for Services Accounting---$7,933
Total Functional Expenses$0$0$0$3,443,701
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$34,148,652
Share Drafts$10,930,508
Ira Shares & Certificates$6,058,657
Share Certificates$5,751,446
Money Market$5,363,272
Other Shares$1,784,348
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 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
2017-11-14
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
60
Volunteers
10

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

“Our mission at white rose credit union is to exceed our member's expectations and become their trusted partner in achieving their financial goals through exceptional member services. We strive to improve the economic well-being of our member's lives. Our commitment to this goal extends beyond providinghe highest quality financial products and services at the lowest possible cost. We exist so that our members can thrive financially.”

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

“NEW MEMBER FEES 1,116”

Raw XML Appendix375 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.

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IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02244634
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1466731
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2423889
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02244634
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1466731
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2423889
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/PYInvestmentIncomeAmt0242906
IRS990/PYOtherExpensesAmt01945034
IRS990/PYOtherRevenueAmt014463
IRS990/PYProgramServiceRevenueAmt02632279
IRS990/PYRevenuesLessExpensesAmt0-652487
IRS990/PYSalariesCompEmpBnftPaidAmt01597101
IRS990/PYTotalExpensesAmt03542135
IRS990/PYTotalRevenueAmt02889648
IRS990/ReconcilationRevenueExpnssAmt0-62717
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt010242
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06727435
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06665834
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03211673
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05012675
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01974849
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0534108
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02508957
IRS990ScheduleD/EquipmentGrp/BookValueAmt0196637
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0196637
IRS990ScheduleD/LandGrp/BookValueAmt0261521
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0261521
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt046749
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt020595
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt067344
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt034148652
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt110930508
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt26058657
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt35751446
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt45363272
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt51784348
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2IRA SHARES & CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5OTHER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt05395000
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/TotalBookValueLandBuildingsAmt02479756
IRS990ScheduleD/TotalBookValueSecuritiesAmt05678396
IRS990ScheduleD/TotalLiabilityAmt064036883
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0OUR MISSION AT WHITE ROSE CREDIT UNION IS TO EXCEED OUR MEMBER'S EXPECTATIONS AND BECOME THEIR TRUSTED PARTNER IN ACHIEVING THEIR FINANCIAL GOALS THROUGH EXCEPTIONAL MEMBER SERVICES. WE STRIVE TO IMPROVE THE ECONOMIC WELL-BEING OF OUR MEMBER'S LIVES. OUR COMMITMENT TO THIS GOAL EXTENDS BEYOND PROVIDINGHE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES AT THE LOWEST POSSIBLE COST. WE EXIST SO THAT OUR MEMBERS CAN THRIVE FINANCIALLY.
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/ExplanationTxt7NEW MEMBER FEES 1,116
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/TotalAssetsBOYAmt066051462
IRS990/TotalAssetsEOYAmt071176220
IRS990/TotalAssetsGrp/BOYAmt066051462
IRS990/TotalAssetsGrp/EOYAmt071176220
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt060
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt03443701
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt059324027
IRS990/TotalLiabilitiesEOYAmt064510386
IRS990/TotalLiabilitiesGrp/BOYAmt059324027
IRS990/TotalLiabilitiesGrp/EOYAmt064510386
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06727435
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06665834
IRS990/TotalOtherCompensationAmt013910
IRS990/TotalProgramServiceRevenueAmt03135254
IRS990/TotalReportableCompFromOrgAmt092384
IRS990/TotalRevenueGrp/ExclusionAmt0245730
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03135254
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03380984
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt066051462
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt071176220
IRS990/TravelGrp/TotalAmt09179
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/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DEBRA KAUFFMAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO/TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07177559773
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-11-14
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/FilingSecurityInformation/AtSubmissionCreationDeviceId081636149E3FC226514536E83CB6D46ED48088B7E
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId081636149E3FC226514536E83CB6D46ED48088B7E
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/PreparationDt02017-11-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0FREDERICK A TABOR
ReturnHeader/ReturnTs02017-11-14T12:53:03-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$71,176,220
Liabilities
$64,510,386
Net assets
$6,665,834
Revenue
$3,380,984
Expenses
$3,443,701
Net income
-$62,717
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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