Civic Intelligence

White Rose Credit Union

990 • Fiscal year 2017 • EIN 23-1402813

Jan 01, 2017 to Dec 31, 2017 • Filed on Oct 16, 2018

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

79th percentile

0.91x

Higher debt load relative to assets than 79% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Liabilities / Revenue

33rd percentile

16.62x

Higher debt load relative to revenue than 33% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Net Margin

24th percentile

3.8%

Higher net margin than 24% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Top Officer Pay

16th percentile

$102,172

Higher top officer pay than 16% of similar nonprofits.

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

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Asset Growth

59th percentile

3.8%

Faster asset growth than 59% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Revenue Growth

95th percentile

20%

Faster revenue growth than 95% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$73,847,966

Up $2,671,746 (+3.8%) from 2016

Net Assets

Down

$6,656,583

Down $9,251 (-0.1%) from 2016

Liabilities

Up

$67,191,383

Up $2,680,997 (+4.2%) from 2016

Revenue And Expenses
Liabilities / Revenue33rd percentileNet Margin24th percentile

Revenue

Up

$4,042,267

Up $661,283 (+20%) from 2016

Expenses

Up

$3,887,512

Up $443,811 (+13%) from 2016

Net Income

Up

$154,755

Up $217,472 (+347%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth59th 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

2017

Assets$73,847,966
Liabilities$67,191,383
Net Assets$6,656,583
Open 2017 Filing

Operations Trend

Revenue Growth95th 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

2017

Revenue$4,042,267
Expenses$3,887,512
Net Income$154,755
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Oct 16, 2018
Return Version
2017v2.3
Gross Receipts
$4,042,267
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 providing the 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$43,482,974$49,269,433▲ $5,786,459
Investments in Publicly Traded Securities$12,320,000$12,169,000▼ $151,000
Rtn Earn Endowment Incm Other Fnds$6,665,834$6,656,583▼ $9,251
Investments Other Securities$5,678,396$4,203,396▼ $1,475,000
Savings and Temporary Cash Investments$5,012,675$3,816,676▼ $1,195,999
Land, Buildings, and Equipment, Net$2,479,756$2,434,418▼ $45,338
Cash and Non-Interest-Bearing Accounts$873,889$644,167▼ $229,722
Prepaid Expenses and Deferred Charges$393,411$392,546▼ $865
Accounts Receivable$170,193$222,198▲ $52,005
Intangible Assets$16,171$13,370▼ $2,801
Total Assets$71,176,220$73,847,966▲ $2,671,746
Other Assets Total$748,755$682,762▼ $65,993
Liabilities
Other Liabilities$64,036,883$66,877,813▲ $2,840,930
Accounts Payable and Accrued Expenses$473,503$313,570▼ $159,933
Total Liabilities$64,510,386$67,191,383▲ $2,680,997
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,665,834$6,656,583▼ $9,251
Total Liabilities and Net Assets / Fund Balance$71,176,220$73,847,966▲ $2,671,746

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,918,008$590,949$2,508,957
Land$261,521-$261,521
Equipment$213,286-$213,286
Leasehold Improvements$41,603$19,710$61,313
Other Securities$15,000--
Compensation and Service Providers
Top Officer Pay16th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Debra KauffmanCEO/treasureFT$89,993$12,179$102,172

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,773,306
Investment Income
$249,930
Other Revenue
$19,031
Change in Net Assets
$154,755
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,354,627
Salaries, Compensation, and Employee Benefits$1,532,885
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,232,898
Office Expenses---$553,378
Depreciation Depletion---$315,457
Fees for Services Other---$265,202
Occupancy---$246,106
Other Employee Benefits---$141,934
Interest---$130,867
Payroll Taxes---$116,206
Advertising---$101,858
Other Expenses---$88,718
Pension Plan Contributions---$41,847
Insurance---$37,791
Travel---$7,927
Fees for Services Accounting---$5,095
Total Functional Expenses$0$0$0$3,887,512
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$37,725,192
Share Drafts$11,075,115
Ira Shares & Certificates$5,631,041
Money Market$5,372,127
Share Certificates$5,110,150
Other Shares$1,964,188
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 senior management prior to submission.”

Form 990, Page 6, Part VI, Line 19

“The credit union's governing documents and clonflict 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
Debra Kauffman
Title
CEO/treasurer
Phone
7177559773
Signed
2018-10-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Debra Kauffman
Formed
1950
Legal Domicile
Pa
Voting Board Members
7
Independent Board Members
6
Employees
62
Volunteers
6

Preparer

Firm
Rkl Llp
Address
91 CUMBERLAND PARKWAY, MECHANICSBURG, PA 17055-5676
Preparer
Christian P Pasquali CPA
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 providing the 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 -164,006”

Raw XML Appendix370 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0473503
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0313570
IRS990/AccountsReceivableGrp/BOYAmt0170193
IRS990/AccountsReceivableGrp/EOYAmt0222198
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0OUR 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 PROVIDING THE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES AT THE LOWEST POSSIBLE COST. WE EXIST SO THAT OUR MEMBERS CAN THRIVE FINANCIALLY.
IRS990/AdvertisingGrp/TotalAmt0101858
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0DEBRA KAUFFMAN
IRS990/BooksInCareOfDetail/PhoneNum07177559773
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03498 INDUSTRIAL DRIVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0YORK
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0PA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd017402
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0873889
IRS990/CashNonInterestBearingGrp/EOYAmt0644167
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0249930
IRS990/CYOtherExpensesAmt02354627
IRS990/CYOtherRevenueAmt019031
IRS990/CYProgramServiceRevenueAmt03773306
IRS990/CYRevenuesLessExpensesAmt0154755
IRS990/CYSalariesCompEmpBnftPaidAmt01532885
IRS990/CYTotalExpensesAmt03887512
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt04042267
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0315457
IRS990/Desc0PROVIDE LOANS TO MORE THAN 10,000 MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt062
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt05095
IRS990/FeesForServicesOtherGrp/TotalAmt0265202
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt060.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt012179
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0DEBRA KAUFFMAN
IRS990/Form990PartVIISectionAGrp/PersonNm1THERESA HALPIN
IRS990/Form990PartVIISectionAGrp/PersonNm2JAMES SANFORD
IRS990/Form990PartVIISectionAGrp/PersonNm3DONALD SWEITZER JR
IRS990/Form990PartVIISectionAGrp/PersonNm4WALTER BOWMAN JR
IRS990/Form990PartVIISectionAGrp/PersonNm5JOHN BROWNLEE JR
IRS990/Form990PartVIISectionAGrp/PersonNm6GEORGE WATSON IV
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt089993
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO/TREASURE
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRPE
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01950
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt04042267
IRS990/GrossRentsGrp/RealAmt016483
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt06
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt037791
IRS990/IntangibleAssetsGrp/BOYAmt016171
IRS990/IntangibleAssetsGrp/EOYAmt013370
IRS990/InterestGrp/TotalAmt0130867
IRS990/InvestmentIncomeGrp/ExclusionAmt0249930
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0249930
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt05678396
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt04203396
IRS990/InvestmentsPubTradedSecGrp/BOYAmt012320000
IRS990/InvestmentsPubTradedSecGrp/EOYAmt012169000
IRS990/IRPDocumentCnt02275
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0610659
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02479756
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02434418
IRS990/LandBldgEquipCostOrOtherBssAmt03045077
IRS990/LegalDomicileStateCd0PA
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0OUR 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 PROVIDING THE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES AT THE LOWEST POSSIBLE COST. WE EXIST SO THAT OUR MEMBERS CAN THRIVE FINANCIALLY.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt06665834
IRS990/NetAssetsOrFundBalancesEOYAmt06656583
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt016483
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt016483
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0246106
IRS990/OfficeExpensesGrp/TotalAmt0553378
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0748755
IRS990/OtherAssetsTotalGrp/EOYAmt0682762
IRS990/OtherChangesInNetAssetsAmt0-164006
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0141934
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2OTHER MISCELLANEOUS
IRS990/OtherExpensesGrp/TotalAmt0346645
IRS990/OtherExpensesGrp/TotalAmt1255583
IRS990/OtherExpensesGrp/TotalAmt288718
IRS990/OtherLiabilitiesGrp/BOYAmt064036883
IRS990/OtherLiabilitiesGrp/EOYAmt066877813
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
IRS990/OtherRevenueMiscGrp/ExclusionAmt02548
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02548
IRS990/OtherRevenueTotalAmt02548
IRS990/OtherSalariesAndWagesGrp/TotalAmt01232898
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt043482974
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt049269433
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0116206
IRS990/PensionPlanContributionsGrp/TotalAmt041847
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0393411
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0392546
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/RelatedOrExemptFuncIncomeAmt02645593
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1621599
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2506114
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02645593
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1621599
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2506114
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/PYInvestmentIncomeAmt0235488
IRS990/PYOtherExpensesAmt01906148
IRS990/PYOtherRevenueAmt010242
IRS990/PYProgramServiceRevenueAmt03135254
IRS990/PYRevenuesLessExpensesAmt0-62717
IRS990/PYSalariesCompEmpBnftPaidAmt01537553
IRS990/PYTotalExpensesAmt03443701
IRS990/PYTotalRevenueAmt03380984
IRS990/ReconcilationRevenueExpnssAmt0154755
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt016483
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06665834
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06656583
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05012675
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03816676
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01918008
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0590949
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02508957
IRS990ScheduleD/EquipmentGrp/BookValueAmt0213286
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0213286
IRS990ScheduleD/LandGrp/BookValueAmt0261521
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0261521
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt041603
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt019710
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt061313
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt037725192
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt111075115
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt25631041
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt35372127
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt45110150
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt51964188
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2IRA SHARES & CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5OTHER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt03920000
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/TotalBookValueLandBuildingsAmt02434418
IRS990ScheduleD/TotalBookValueSecuritiesAmt04203396
IRS990ScheduleD/TotalLiabilityAmt066877813
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 PROVIDING THE 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 SENIOR MANAGEMENT PRIOR TO SUBMISSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION'S GOVERNING DOCUMENTS AND CLONFLICT 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/ExplanationTxt7NEW MEMBER FEES -164,006
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/TotalAssetsBOYAmt071176220
IRS990/TotalAssetsEOYAmt073847966
IRS990/TotalAssetsGrp/BOYAmt071176220
IRS990/TotalAssetsGrp/EOYAmt073847966
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt062
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt03887512
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt064510386
IRS990/TotalLiabilitiesEOYAmt067191383
IRS990/TotalLiabilitiesGrp/BOYAmt064510386
IRS990/TotalLiabilitiesGrp/EOYAmt067191383
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06665834
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06656583
IRS990/TotalOtherCompensationAmt012179
IRS990/TotalProgramServiceRevenueAmt03773306
IRS990/TotalReportableCompFromOrgAmt089993
IRS990/TotalRevenueGrp/ExclusionAmt0268961
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03773306
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04042267
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt071176220
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt073847966
IRS990/TravelGrp/TotalAmt07927
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03498 INDUSTRIAL DRIVE
IRS990/USAddress/CityNm0YORK
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd017402
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.WHITEROSECU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DEBRA KAUFFMAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO/TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07177559773
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-10-16
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/AtSubmissionCreationDeviceId0F30BD2F1A62B9E1679AEEA56B6A19A98CE6A622E
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0CBCCE87E787AE757E26193E60C42E339F6F696F8
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt050.202.190.94
ReturnHeader/FilingSecurityInformation/IPDt02018-10-16
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm013:44:40
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0232108173
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0RKL LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt091 CUMBERLAND PARKWAY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MECHANICSBURG
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0170555676
ReturnHeader/PreparerPersonGrp/PhoneNum07177909333
ReturnHeader/PreparerPersonGrp/PreparationDt02018-10-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHRISTIAN P PASQUALI CPA
ReturnHeader/ReturnTs02018-10-16T14:44:40-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$73,847,966
Liabilities
$67,191,383
Net assets
$6,656,583
Revenue
$4,042,267
Expenses
$3,887,512
Net income
$154,755
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. 2017 filings • 501(c)14 • $50M-$100M nonprofits