Civic Intelligence

White Rose Credit Union

990 • Fiscal year 2019 • EIN 23-1402813

Jan 01, 2019 to Dec 31, 2019 • Filed on Feb 26, 2020

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

86th percentile

0.91x

Higher debt load relative to assets than 86% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Liabilities / Revenue

34th percentile

15.49x

Higher debt load relative to revenue than 34% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Net Margin

41st percentile

10%

Higher net margin than 41% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Top Officer Pay

15th percentile

$105,666

Higher top officer pay than 15% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Asset Growth

41st percentile

2.4%

Faster asset growth than 41% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2018 to 2019

Revenue Growth

77th percentile

10%

Faster revenue growth than 77% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$82,814,237

Up $1,938,291 (+2.4%) from 2018

Net Assets

Up

$7,513,385

Up $500,123 (+7.1%) from 2018

Liabilities

Up

$75,300,852

Up $1,438,168 (+1.9%) from 2018

Revenue And Expenses
Liabilities / Revenue34th percentileNet Margin41st percentile

Revenue

Up

$4,861,551

Up $459,513 (+10%) from 2018

Expenses

Up

$4,362,099

Up $315,625 (+7.8%) from 2018

Net Income

Up

$499,452

Up $143,888 (+40%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth41st 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

2019

Assets$82,814,237
Liabilities$75,300,852
Net Assets$7,513,385
Open 2019 Filing

Operations Trend

Revenue Growth77th 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

2019

Revenue$4,861,551
Expenses$4,362,099
Net Income$499,452
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Feb 26, 2020
Return Version
2019v5.0
Gross Receipts
$4,962,551
Mission and Program Overview

Mission

White rose credit union is committed to improving the lives of our members and community, and inspiring others to do the same. It's our community. We care.

White rose credit union is committed to improving the lives of our members and community-and inspiring others to do the same. It's our community. We care.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$56,019,644$53,487,525▼ $2,532,119
Investments in Publicly Traded Securities$11,439,000$11,504,000▲ $65,000
Rtn Earn Endowment Incm Other Fnds$7,013,262$7,513,385▲ $500,123
Investments Other Securities$4,717,396$7,231,396▲ $2,514,000
Savings and Temporary Cash Investments$3,820,528$5,623,623▲ $1,803,095
Land, Buildings, and Equipment, Net$2,341,772$2,473,465▲ $131,693
Cash and Non-Interest-Bearing Accounts$757,017$694,286▼ $62,731
Accounts Receivable$271,488$341,419▲ $69,931
Prepaid Expenses and Deferred Charges$402,202$309,615▼ $92,587
Intangible Assets$10,569$7,769▼ $2,800
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$80,875,946$82,814,237▲ $1,938,291
Other Assets Total$1,096,330$1,141,139▲ $44,809
Liabilities
Other Liabilities$73,359,110$74,295,391▲ $936,281
Accounts Payable and Accrued Expenses$503,574$1,005,461▲ $501,887
Total Liabilities$73,862,684$75,300,852▲ $1,438,168
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,013,262$7,513,385▲ $500,123
Total Liabilities and Net Assets / Fund Balance$80,875,946$82,814,237▲ $1,938,291

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,880,496$699,421$2,579,917
Equipment$331,448-$331,448
Land$261,521-$261,521
Other Securities$268,396--
Compensation and Service Providers
Top Officer Pay15th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Debra KauffmanCEO/treasurerFT$90,671$14,995$105,666

Board Members and Trustees

NameTitle
James SanfordChairperson
John Brownlee JrVice Chairperson
Chris DerouauxDirector
Theresa HalpinDirector
George Watson IvSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,361,465
Investment Income
$482,942
Other Revenue
$17,144
Change in Net Assets
$499,452
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,579,977
Salaries, Compensation, and Employee Benefits$1,781,122
Grants and Similar Amounts Paid$1,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,340,265
Office Expenses---$775,093
Interest---$379,064
Fees for Services Other---$330,956
Depreciation Depletion---$238,350
Occupancy---$195,302
Other Employee Benefits---$173,371
Payroll Taxes---$130,144
Current Officers, Directors, Trustees, and Key Employees---$105,666
Advertising---$94,422
Other Expenses---$54,718
Fees for Services Legal---$43,823
Insurance---$38,299
Pension Plan Contributions---$31,676
Travel---$11,391
Fees for Services Accounting---$8,220
Grants to Domestic Individuals---$1,000
Total Functional Expenses$0$0$0$4,362,099
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$39,877,931
Share Drafts$12,842,103
Share Certificates$8,043,658
Money Market$5,975,418
Ira Shares & Certificates$5,214,483
Other Shares$2,341,798
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has a single class of members. Each member has a single vote in the election of the members to the credit union's board ofdirectors.”

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

“The credit union has a single class of members. Each member has a singlevote in the election of members to the credit union's board of directors.”

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

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

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

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

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

“The board of directors review the credit union national association salary survey and then ceo compensation is approved by a vote from the board of directors.”

Form 990, Part VI, Section C, Line 19

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

Filing and Contact Details

Filer

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

Signing Officer

Name
Debra a Kauffman
Title
CEO
Phone
7177559773
Signed
2020-02-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Debra a Kauffman
Formed
1950
Legal Domicile
Pa
Voting Board Members
6
Independent Board Members
5
Employees
59
Volunteers
7

Preparer

Firm
Rkl Llp
Address
1330 BROADCASTING ROAD PO BOX 7008, WYOMISSING, PA 19610-6008
Preparer
Ruthann J Woll CPA
Phone
6103761595
Supplemental Narrative

Additional Explanations

Part V Line 1C

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

FORM 990, PART XI, LINE 9:

“NEW MEMBER FEES 671.”

Raw XML Appendix379 raw XML fields

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

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0503574
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01005461
IRS990/AccountsReceivableGrp/BOYAmt0271488
IRS990/AccountsReceivableGrp/EOYAmt0341419
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0WHITE ROSE CREDIT UNION IS COMMITTED TO IMPROVING THE LIVES OF OUR MEMBERS AND COMMUNITY-AND INSPIRING OTHERS TO DO THE SAME. IT'S OUR COMMUNITY. WE CARE.
IRS990/AdvertisingGrp/TotalAmt094422
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0DEBRA A KAUFFMAN
IRS990/BooksInCareOfDetail/PhoneNum07177559773
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03498 INDUSTRIAL DRIVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0YORK
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0PA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd017402
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0757017
IRS990/CashNonInterestBearingGrp/EOYAmt0694286
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0105666
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt01000
IRS990/CYInvestmentIncomeAmt0482942
IRS990/CYOtherExpensesAmt02579977
IRS990/CYOtherRevenueAmt017144
IRS990/CYProgramServiceRevenueAmt04361465
IRS990/CYRevenuesLessExpensesAmt0499452
IRS990/CYSalariesCompEmpBnftPaidAmt01781122
IRS990/CYTotalExpensesAmt04362099
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt04861551
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0238350
IRS990/Desc0PROVIDE LOANS TO MORE THAN 11,000 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt059
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt08220
IRS990/FeesForServicesLegalGrp/TotalAmt043823
IRS990/FeesForServicesOtherGrp/TotalAmt0330956
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt050.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.50
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt014995
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/PersonNm0DEBRA KAUFFMAN
IRS990/Form990PartVIISectionAGrp/PersonNm1JAMES SANFORD
IRS990/Form990PartVIISectionAGrp/PersonNm2JOHN BROWNLEE JR
IRS990/Form990PartVIISectionAGrp/PersonNm3GEORGE WATSON IV
IRS990/Form990PartVIISectionAGrp/PersonNm4CHRIS DEROUAUX
IRS990/Form990PartVIISectionAGrp/PersonNm5THERESA HALPIN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt090671
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01950
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-2000
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt06
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt01000
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt099000
IRS990/GrossReceiptsAmt04962551
IRS990/GrossRentsGrp/RealAmt017144
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InsuranceGrp/TotalAmt038299
IRS990/IntangibleAssetsGrp/BOYAmt010569
IRS990/IntangibleAssetsGrp/EOYAmt07769
IRS990/InterestGrp/TotalAmt0379064
IRS990/InvestmentIncomeGrp/ExclusionAmt0484942
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0484942
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt04717396
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt07231396
IRS990/InvestmentsPubTradedSecGrp/BOYAmt011439000
IRS990/InvestmentsPubTradedSecGrp/EOYAmt011504000
IRS990/IRPDocumentCnt02497
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0699421
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02341772
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02473465
IRS990/LandBldgEquipCostOrOtherBssAmt03172886
IRS990/LegalDomicileStateCd0PA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0101000
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WHITE ROSE CREDIT UNION IS COMMITTED TO IMPROVING THE LIVES OF OUR MEMBERS AND COMMUNITY, AND INSPIRING OTHERS TO DO THE SAME. IT'S OUR COMMUNITY. WE CARE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt07013262
IRS990/NetAssetsOrFundBalancesEOYAmt07513385
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-2000
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-2000
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt017144
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt017144
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0195302
IRS990/OfficeExpensesGrp/TotalAmt0775093
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01096330
IRS990/OtherAssetsTotalGrp/EOYAmt01141139
IRS990/OtherChangesInNetAssetsAmt0671
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0173371
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2OTHER MISCELLANEOUS
IRS990/OtherExpensesGrp/TotalAmt0354773
IRS990/OtherExpensesGrp/TotalAmt155566
IRS990/OtherExpensesGrp/TotalAmt254718
IRS990/OtherLiabilitiesGrp/BOYAmt073359110
IRS990/OtherLiabilitiesGrp/EOYAmt074295391
IRS990/OtherSalariesAndWagesGrp/TotalAmt01340265
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt056019644
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt053487525
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0130144
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt031676
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0402202
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0309615
IRS990/PrincipalOfficerNm0DEBRA A KAUFFMAN
IRS990/ProfessionalFundraisingInd00
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/RelatedOrExemptFuncIncomeAmt02979448
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1756990
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2625027
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02979448
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1756990
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2625027
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE AN INSURED FINANCIAL DEPOSITORY INSTITUTION FOR MORE THAN 11,000 MEMBERS.
IRS990/ProgSrvcAccomActy3Grp/Desc0PROVIDE FINANCIAL SERVICES TO MORE THAN 11,000 MEMBERS.
IRS990/ProgSrvcAccomActyOtherGrp/Desc0PROVIDE LOANS AND FINANCIAL SERVICES TO MORE THAN 11,000 MEMBERS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0309745
IRS990/PYOtherExpensesAmt02382619
IRS990/PYOtherRevenueAmt022712
IRS990/PYProgramServiceRevenueAmt04069581
IRS990/PYRevenuesLessExpensesAmt0355564
IRS990/PYSalariesCompEmpBnftPaidAmt01663855
IRS990/PYTotalExpensesAmt04046474
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04402038
IRS990/ReconcilationRevenueExpnssAmt0499452
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt017144
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07013262
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07513385
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03820528
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05623623
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01880496
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0699421
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02579917
IRS990ScheduleD/EquipmentGrp/BookValueAmt0331448
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0331448
IRS990ScheduleD/LandGrp/BookValueAmt0261521
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0261521
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt039877931
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt15975418
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt212842103
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt32341798
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt45214483
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt58043658
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRA SHARES & CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5SHARE CERTIFICATES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt06948000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt115000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2268396
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1PACUSC STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CORP CU PERPETUAL CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02473465
IRS990ScheduleD/TotalBookValueSecuritiesAmt07231396
IRS990ScheduleD/TotalLiabilityAmt074295391
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION DID NOT HAVE ANY INSTANCES WHERE BACKUP WITHHOLDING WAS REQUIRED; HOWEVER, IF THE SITUATION WOULD ARISE, THE ORGANIZATION IS AWARE OF THE REPORTING REQUIREMENTS AND WOULD HANDLE THAT ACCORDINGLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS. EACH MEMBER HAS A SINGLE VOTE IN THE ELECTION OF THE MEMBERS TO THE CREDIT UNION'S BOARD OFDIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS. EACH MEMBER HAS A SINGLEVOTE IN THE ELECTION OF MEMBERS TO THE CREDIT UNION'S BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MERGERS AND BOARD OF DIRECTORS ARE GOVERANCE DECISIONS THAT ARE DECIDED BY MEMBERS OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE FORM 990 IS REVIEWED BY THE CHIEF EXECUTIVE OFFICER BEFORE FILING WITH THE IRS. ONCE REVIEWED THE COMPLETED FORM 990 IS AVAILABLE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS REVIEW THE CREDIT UNION NATIONAL ASSOCIATION SALARY SURVEY AND THEN CEO COMPENSATION IS APPROVED BY A VOTE FROM THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION'S GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST. THE CREDIT UNION'S FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY ON A MONTHLY BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7NEW MEMBER FEES 671.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0PART V LINE 1C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt080875946
IRS990/TotalAssetsEOYAmt082814237
IRS990/TotalAssetsGrp/BOYAmt080875946
IRS990/TotalAssetsGrp/EOYAmt082814237
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt059
IRS990/TotalFunctionalExpensesGrp/TotalAmt04362099
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt073862684
IRS990/TotalLiabilitiesEOYAmt075300852
IRS990/TotalLiabilitiesGrp/BOYAmt073862684
IRS990/TotalLiabilitiesGrp/EOYAmt075300852
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07013262
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07513385
IRS990/TotalOtherCompensationAmt014995
IRS990/TotalProgramServiceRevenueAmt04361465
IRS990/TotalReportableCompFromOrgAmt090671
IRS990/TotalRevenueGrp/ExclusionAmt0500086
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04361465
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04861551
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt080875946
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt082814237
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt011391
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03498 INDUSTRIAL DRIVE
IRS990/USAddress/CityNm0YORK
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd017402
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.WHITEROSECU.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02020-09-22 18:59:49Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DEBRA A KAUFFMAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07177559773
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-02-26
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/AtSubmissionCreationDeviceId0DA39A3EE5E6B4B0D3255BFEF95601890AFD80709
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0BF806157A52785AD0FEADB80BD57235400E63FA7
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt050.203.63.190
ReturnHeader/FilingSecurityInformation/IPDt02020-02-26
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ES
ReturnHeader/FilingSecurityInformation/IPTm007:18:29
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0232108173
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0RKL LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01330 BROADCASTING ROAD PO BOX 7008
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WYOMISSING
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0196106008
ReturnHeader/PreparerPersonGrp/PhoneNum06103761595
ReturnHeader/PreparerPersonGrp/PreparationDt02020-02-26
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RUTHANN J WOLL CPA
ReturnHeader/ReturnTs02020-02-26T15:25:46-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$82,814,237
Liabilities
$75,300,852
Net assets
$7,513,385
Revenue
$4,861,551
Expenses
$4,362,099
Net income
$499,452
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. 2019 filings • 501(c)14 • $50M-$100M nonprofits