Civic Intelligence

Superior Credit Union

EIN 23-1514461 • 501(c)14 • Collegeville, PA

View Organization Page

Profile

Credit union - to provide services for approximately 6,575 members in the form of loans, savings, and other financial services.

P O Box 26159Collegeville, PA 19426

www.superiorcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

96th percentile

0.94x

Higher debt load relative to assets than 96% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Liabilities / Revenue

25th percentile

13.37x

Higher debt load relative to revenue than 25% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Net Margin

46th percentile

11%

Higher net margin than 46% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Top Officer Pay

57th percentile

$168,003

Higher top officer pay than 57% of similar nonprofits.

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

501(c)14 • $50M-$100M nonprofits • Source year 2025

Asset Growth

57th percentile

2.4%

Faster asset growth than 57% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2024 to 2025

Revenue Growth

32nd percentile

5.9%

Faster revenue growth than 32% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets96th percentile

Assets

Down

$67,982,121

Down $3,114,564 (-4.4%) from 2021

Liabilities

Down

$63,070,231

Down $3,440,691 (-5.2%) from 2021

Net Assets

Up

$4,911,890

Up $326,127 (+7.1%) from 2021

Operations
Liabilities / Revenue25th percentileNet Margin46th percentile

Revenue

Up

$3,437,421

Up $16,320 (+0.5%) from 2021

Expenses

Up

$3,169,463

Up $179,684 (+6.0%) from 2021

Net Income

Down

$267,958

Down $163,364 (-38%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth57th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$80M$60M$40M$20M$0Assets 2010: $40,383,959Liabilities 2010: $37,151,250Net Assets 2010: $3,232,7092010Assets 2011: $44,207,139Liabilities 2011: $40,780,428Net Assets 2011: $3,426,7112011Assets 2012: $47,146,096Liabilities 2012: $43,492,897Net Assets 2012: $3,653,1992012Assets 2013: $48,744,086Liabilities 2013: $45,108,335Net Assets 2013: $3,635,7512013Assets 2014: $48,230,130Liabilities 2014: $44,957,789Net Assets 2014: $3,272,3412014Assets 2015: $48,537,232Liabilities 2015: $45,329,837Net Assets 2015: $3,207,3952015Assets 2016: $51,570,983Liabilities 2016: $48,391,292Net Assets 2016: $3,179,6912016Assets 2017: $49,058,922Liabilities 2017: $45,447,884Net Assets 2017: $3,611,0382017Assets 2018: $49,614,123Liabilities 2018: $45,775,883Net Assets 2018: $3,838,2402018Assets 2019: $53,901,668Liabilities 2019: $49,898,948Net Assets 2019: $4,002,7202019Assets 2020: $63,730,691Liabilities 2020: $59,677,448Net Assets 2020: $4,053,2432020Assets 2021: $71,096,685Liabilities 2021: $66,510,922Net Assets 2021: $4,585,7632021Assets 2022: $67,982,121Liabilities 2022: $63,070,231Net Assets 2022: $4,911,8902022

Highlighted filing

2022

Assets$67,982,121
Liabilities$63,070,231
Net Assets$4,911,890
Open 2022 Filing

Operations Trend

Revenue Growth32nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,520,2152010Expenses 2011: $2,496,6232011Expenses 2012: $2,826,8792012Revenue 2013: $3,048,606Expenses 2013: $3,098,599Net Income 2013: -$49,9932013Revenue 2014: $2,948,764Expenses 2014: $3,173,525Net Income 2014: -$224,7612014Revenue 2015: $2,703,569Expenses 2015: $2,734,182Net Income 2015: -$30,6132015Revenue 2016: $2,717,267Expenses 2016: $2,694,389Net Income 2016: $22,8782016Revenue 2017: $2,742,474Expenses 2017: $2,389,214Net Income 2017: $353,2602017Revenue 2018: $2,912,618Expenses 2018: $2,572,884Net Income 2018: $339,7342018Revenue 2019: $2,998,683Expenses 2019: $3,051,000Net Income 2019: -$52,3172019Revenue 2020: $2,940,816Expenses 2020: $2,883,191Net Income 2020: $57,6252020Revenue 2021: $3,421,101Expenses 2021: $2,989,779Net Income 2021: $431,3222021Revenue 2022: $3,437,421Expenses 2022: $3,169,463Net Income 2022: $267,9582022

Highlighted filing

2022

Revenue$3,437,421
Expenses$3,169,463
Net Income$267,958
Open 2022 Filing

Filings

Most recent year

2022 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$67,982,121
Liabilities
$63,070,231
Net assets
$4,911,890
Revenue
$3,437,421
Expenses
$3,169,463
Net income
$267,958
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.0$63.1$4.91$3.44$3.17$0.27
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$71.1$66.5$4.59$3.42$2.99$0.43
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$63.7$59.7$4.05$2.94$2.88$0.06
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.9$49.9$4.00$3.00$3.05$0.05
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.6$45.8$3.84$2.91$2.57$0.34
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$49.1$45.4$3.61$2.74$2.39$0.35
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$51.6$48.4$3.18$2.72$2.69$0.02
2015Detailed filing. Detailed filing data is available for this year.$48.5$45.3$3.21$2.70$2.73$0.03
2014Detailed filing. Detailed filing data is available for this year.$48.2$45.0$3.27$2.95$3.17$0.22
2013Detailed filing. Detailed filing data is available for this year.$48.7$45.1$3.64$3.05$3.10$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$47.1$43.5$3.65$2.83
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.2$40.8$3.43$2.50
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.4$37.2$3.23$2.52
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Apr 24, 2023
Return Version
2022v5.0
Gross Receipts
$3,437,421
Mission and Program Overview

Mission

Credit union - to provide services for approximately 6,287 members in the form of loans, savings, and other financial services.

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$42,231,962$47,608,781▲ $5,376,819
Cash and Non-Interest-Bearing Accounts$24,515,746$11,218,545▼ $13,297,201
Savings and Temporary Cash Investments$498,000$5,474,000▲ $4,976,000
Rtn Earn Endowment Incm Other Fnds$3,762,197$4,911,890▲ $1,149,693
Land, Buildings, and Equipment, Net$2,605,141$2,477,492▼ $127,649
Cap Stk Tr Prin Current Funds$823,566--
Prepaid Expenses and Deferred Charges$295,213$284,945▼ $10,268
Investments Other Securities$233,845$193,729▼ $40,116
Total Assets$71,096,685$67,982,121▼ $3,114,564
Other Assets Total$716,778$724,629▲ $7,851
Liabilities
Other Liabilities$65,713,030$63,241,194▼ $2,471,836
Accounts Payable and Accrued Expenses$797,892$-170,963▼ $968,855
Total Liabilities$66,510,922$63,070,231▼ $3,440,691
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,585,763$4,911,890▲ $326,127
Total Liabilities and Net Assets / Fund Balance$71,096,685$67,982,121▼ $3,114,564

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,690,106$711,175$2,401,281
Land$594,662-$594,662
Equipment$128,069$297,199$425,268
Leasehold Improvements$64,655$306,667$371,322
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kimberly MillerCEOFT$130,000$10,358$140,358
Sarah SelverianCFOFT$128,400-$128,400

Board Members and Trustees

NameTitle
Jason VavraBoard Chairm
Darren PrintzBoard Member
Ed Pires JrBoard Member
Michael EwingBoard Member
Robert ZacharatosBoard Secret
Brent HarrisBoard Treasu
James BozziniBoard Vice-c
David KurtzSupervisory
John TaloneSupervisory
Linda BlystoneSupervisory
Stephen BartorilloSupervisory
Wendy HeflybowerSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,216,281
Investment Income
$221,140
Other Revenue
$0
Change in Net Assets
$267,958
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,965,904
Salaries, Compensation, and Employee Benefits$1,203,559
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$967,412-$967,412
Office Expenses-$927,188-$927,188
Occupancy-$309,499-$309,499
Interest-$173,460-$173,460
Other Employee Benefits-$102,343-$102,343
Payroll Taxes-$82,961-$82,961
Pension Plan Contributions-$50,843-$50,843
Other Expenses-$39,625-$39,625
All Other Expenses-$38,056-$38,056
Conferences and Meetings-$32,796-$32,796
Total Functional Expenses$0$3,169,463$0$3,169,463
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$27,833,669
All Other Shares$19,879,627
Share Drafts$15,527,898
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
Yes
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 is owned by the members.”

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

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilites are controlled by the board of directors. The members elect the board of directors at the annual meeting every year.”

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

“Some decisions made by the board of directors are affirmed by the members.”

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

“The manager reviews the form 990. The form 990 is available for review by the board of directors upon request.”

Form 990, Page 6, Part VI, Line 12C

“The board of directors monitor and enforce the conflict of interest policy.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors reviews the position, performance, and market.”

Form 990, Page 6, Part VI, Line 15B

“The board reviews position and performance.”

Form 990, Page 6, Part VI, Line 19

“Financial documents are posted in the credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
Superior Credit Union
EIN
23-1514461
Phone
6104897239
Address
P O BOX 26159, COLLEGEVILLE, PA 19426

Signing Officer

Name
Kimberly Miller
Title
CEO
Phone
6104897239
Signed
2023-04-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kimberly Miller
Formed
1956
Legal Domicile
Pa
Voting Board Members
7
Independent Board Members
7
Employees
26
Volunteers
12

Preparer

Firm
Cu Audit & Compliance Group
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Amanda Onkst
Phone
2054372176
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the executive committee, the board of directors and supervisory commmittee without compensation.”

Form 990, Page 5, Part V, Line 3B

“The credit union had no unrelated business income.”

Form 990, Part XI, Line 9

“Other comprehensive income 65,519 due to rounding 3 total 65,522”

Form 990, Part XII

“Annual agreed upon procedures are performed by an independent auditor.”

Raw XML AppendixShowing 400 of 408 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE EXECUTIVE COMMITTEE, THE BOARD OF DIRECTORS AND SUPERVISORY COMMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAD NO UNRELATED BUSINESS INCOME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE MANAGER REVIEWS THE FORM 990. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE BOARD OF DIRECTORS REVIEWS THE POSITION, PERFORMANCE, AND MARKET.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE BOARD REVIEWS POSITION AND PERFORMANCE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10OTHER COMPREHENSIVE INCOME 65,519 DUE TO ROUNDING 3 TOTAL 65,522
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
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 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11FORM 990, PART XII
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04911890
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IRS990/TotalProgramServiceRevenueAmt03216281
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03437421
IRS990/TotalVolunteersCnt012
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt067982121
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0P O BOX 26159
IRS990/USAddress/CityNm0COLLEGEVILLE
IRS990/USAddress/StateAbbreviationCd0PA
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IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.SUPERIORCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KIMBERLY MILLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06104897239
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-04-24
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SUPERIOR CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SUPE
ReturnHeader/Filer/EIN0231514461
ReturnHeader/Filer/PhoneNum06104897239
ReturnHeader/Filer/USAddress/AddressLine1Txt0P O BOX 26159
ReturnHeader/Filer/USAddress/CityNm0COLLEGEVILLE
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CU AUDIT & COMPLIANCE GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum02054372176
ReturnHeader/PreparerPersonGrp/PreparationDt02023-04-25

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