Civic Intelligence

Berylco Employees Credit Union

EIN 23-1519840 • 501(c)14 • Hamburg, PA

Profile

To offer financial services to it's members at competitive rates

PO Box 363Hamburg, PA 19526
Siviq Scores

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

Liabilities / Assets

14th percentile

0.43x

Higher debt load relative to assets than 14% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

66th percentile

14.22x

Higher debt load relative to revenue than 66% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Net Margin

73rd percentile

11%

Higher net margin than 73% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

21st percentile

$7,740

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 14.5% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Asset Growth

57th percentile

-7.1%

Faster asset growth than 57% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

95th percentile

23%

Faster revenue growth than 95% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets14th percentile

Assets

Down

$1,774,593

Down $135,413 (-7.1%) from 2023

Liabilities

Down

$759,277

Down $141,339 (-16%) from 2023

Net Assets

Up

$1,015,316

Up $5,926 (+0.6%) from 2023

Operations
Liabilities / Revenue66th percentileNet Margin73rd percentile

Revenue

Up

$53,393

Up $9,891 (+23%) from 2023

Expenses

Up

$47,470

Up $1,605 (+3.5%) from 2023

Net Income

Up

$5,923

Up $8,286 (+351%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth57th percentile

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

$3.0M$2.0M$1.0M$0Assets 2020: $2,353,649Liabilities 2020: $1,336,790Net Assets 2020: $1,016,8592020Assets 2021: $2,244,918Liabilities 2021: $1,227,089Net Assets 2021: $1,017,8292021Assets 2022: $2,008,630Liabilities 2022: $996,877Net Assets 2022: $1,011,7532022Assets 2023: $1,910,006Liabilities 2023: $900,616Net Assets 2023: $1,009,3902023Assets 2024: $1,774,593Liabilities 2024: $759,277Net Assets 2024: $1,015,3162024

Highlighted filing

2024

Assets$1,774,593
Liabilities$759,277
Net Assets$1,015,316
Open 2024 Filing

Operations Trend

Revenue Growth95th percentile

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

$60K$40K$20K$0-$20KRevenue 2020: $49,328Expenses 2020: $46,547Net Income 2020: $2,7812020Revenue 2021: $40,130Expenses 2021: $39,163Net Income 2021: $9672021Revenue 2022: $41,615Expenses 2022: $47,691Net Income 2022: -$6,0762022Revenue 2023: $43,502Expenses 2023: $45,865Net Income 2023: -$2,3632023Revenue 2024: $53,393Expenses 2024: $47,470Net Income 2024: $5,9232024

Highlighted filing

2024

Revenue$53,393
Expenses$47,470
Net Income$5,923
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,774,593
Liabilities
$759,277
Net assets
$1,015,316
Revenue
$53,393
Expenses
$47,470
Net income
$5,923
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.77$0.76$1.02$0.05$0.05$0.01
2023Detailed filing. Detailed filing data is available for this year.$1.91$0.90$1.01$0.04$0.05$0.00
2022Detailed filing. Detailed filing data is available for this year.$2.01$1.00$1.01$0.04$0.05$0.01
2021Detailed filing. Detailed filing data is available for this year.$2.24$1.23$1.02$0.04$0.04$0.00
2020Detailed filing. Detailed filing data is available for this year.$2.35$1.34$1.02$0.05$0.05$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 19, 2025
Return Version
2024v5.0
Gross Receipts
$53,393
Mission and Program Overview

Mission

To offer financial services to it's members at competitive rates

We are a Credit Union chartered in the state of Pennsylvania which offers savings and loans to it's members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$1,009,390$1,015,316▲ $5,926
Other Notes and Loans Receivable, Net$185,235$232,383▲ $47,148
Cash and Non-Interest-Bearing Accounts$14,214$16,278▲ $2,064
Receivables From Officers Etc$4,945--
Land, Buildings, and Equipment, Net$285--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,910,006$1,774,593▼ $135,413
Other Assets Total$1,705,327$1,525,932▼ $179,395
Liabilities
Other Liabilities$894,538$751,909▼ $142,629
Accounts Payable and Accrued Expenses$6,078$7,368▲ $1,290
Total Liabilities$900,616$759,277▼ $141,339
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,009,390$1,015,316▲ $5,926
Total Liabilities and Net Assets / Fund Balance$1,910,006$1,774,593▼ $135,413

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$-13,014--
Compensation and Service Providers
Top Officer Pay21st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Dennis StrausserTreasurerPT$7,740$7,740
Heidi RobertsAssistant TreasurerPT$3,000$3,000
Linda MesserSecretary-$1,500$1,500

Board Members and Trustees

NameTitle
Troy RobertsCredit Committee Chairperson
Leonard AdamsSupervisory Committee Chairperson
Thomas StorkPresident
Rodney MesserVice President
Kathy KnoblauchCredit Committee Member
Timothy StorkCredit Committee Member
Gail BordenSupervisory Committee Member
Lawrence StemkoSupervisory Committee Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$53,393
Other Revenue
$0
Change in Net Assets
$5,923
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$33,461
Salaries, Compensation, and Employee Benefits$14,009
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$16,494
Current Officers, Directors, Trustees, and Key Employees---$12,240
Other Expenses---$2,267
Other Employee Benefits---$1,769
Occupancy---$960
Total Functional Expenses$0$0$0$47,470
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$4,945--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member shares$751,909
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
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
No
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 2

“Board members Rodney Messer and Linda Messer are husband and wife. Board member Heidi Roberts and Credit Committee member Troy Roberts are wife and husband. Board President Thomas Stork and Credit Committee member Timothy Stork are father and son, Board Treasurer Dennis Strausser and Board member Heidi Roberts are father and daughter.”

Form 990, Part VI, Section A, Line 6

“The Organization has 135 members as of December 31,2024”

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

“The members elect Directors and Officers at the Annual Meeting held every year the second Saturday of March. The members are notified by mail of the time and place that the meeting will be held. A quorum of 10% of the membership must be present in order for the meeting to be official and business can legally be conducted.”

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

“Bylaw changes must be approved at the Annual Meeting with a quorum present.”

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

“The report is prepared and viewed by the Treasurer and Assistant Treasurer and presented to the Board of Directors for review before the return is submitted to the IRS.”

Form 990, Part VI, Section B, Line 15

“Compensation is determined at a monthly Board meeting. The individual whose salary is being discussed will not be present for the discussion or the vote concerning compensation changes. Results are recorded in the meeting minutes.”

Form 990, Part VI, Section C, Line 19

“Any or all of these documents are available upon request. The Treasurer must be notified of the request, and the documents will be produced.”

Filing and Contact Details

Filer

Filer Name
Berylco Employees Credit Union
EIN
23-1519840
Phone
6105624257
Address
PO BOX 363, HAMBURG, PA 19526

Signing Officer

Name
Dennis Strausser
Title
treasurer
Phone
4848248104
Signed
2025-04-19

Organization Details

Principal Officer
Thomas D Stork
Formed
1957
Legal Domicile
Pa
Voting Board Members
5
Independent Board Members
135
Employees
3
Volunteers
8
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Correcting entry for retained earnings”

Raw XML Appendix376 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/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01009390
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01015316
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0390125
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt11125000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt214007
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt38936
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt4878
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt5-13014
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0VIZO Financial Corp FCU
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1Certificates of Deposit
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2Tompkins Financial Bank
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3NCUSIF
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4All other assets
IRS990ScheduleD/OtherAssetsOrgGrp/Desc5Allowance for Loan and Lease Losses
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0751909
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member shares
IRS990ScheduleD/TotalBookValueOtherAssetsAmt01525932
IRS990ScheduleD/TotalLiabilityAmt0751909
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Board members Rodney Messer and Linda Messer are husband and wife. Board member Heidi Roberts and Credit Committee member Troy Roberts are wife and husband. Board President Thomas Stork and Credit Committee member Timothy Stork are father and son, Board Treasurer Dennis Strausser and Board member Heidi Roberts are father and daughter.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Organization has 135 members as of December 31,2024
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The members elect Directors and Officers at the Annual Meeting held every year the second Saturday of March. The members are notified by mail of the time and place that the meeting will be held. A quorum of 10% of the membership must be present in order for the meeting to be official and business can legally be conducted.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Bylaw changes must be approved at the Annual Meeting with a quorum present.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The report is prepared and viewed by the Treasurer and Assistant Treasurer and presented to the Board of Directors for review before the return is submitted to the IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Compensation is determined at a monthly Board meeting. The individual whose salary is being discussed will not be present for the discussion or the vote concerning compensation changes. Results are recorded in the meeting minutes.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Any or all of these documents are available upon request. The Treasurer must be notified of the request, and the documents will be produced.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Correcting entry for retained earnings
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 2
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 15
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/TotalAssetsBOYAmt01910006
IRS990/TotalAssetsEOYAmt01774593
IRS990/TotalAssetsGrp/BOYAmt01910006
IRS990/TotalAssetsGrp/EOYAmt01774593
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt047470
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0900616
IRS990/TotalLiabilitiesEOYAmt0759277
IRS990/TotalLiabilitiesGrp/BOYAmt0900616
IRS990/TotalLiabilitiesGrp/EOYAmt0759277
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01009390
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01015316
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt00
IRS990/TotalReportableCompFromOrgAmt012240
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt053393
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt053393
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01910006
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01774593
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02804 BELLEMANS CHURCH ROAD
IRS990/USAddress/CityNm0MOHRSVILLE
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd019541
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt0135
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0DENNIS STRAUSSER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum04848248104
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BERYLCO EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BERY
ReturnHeader/Filer/EIN0231519840
ReturnHeader/Filer/PhoneNum06105624257
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 363
ReturnHeader/Filer/USAddress/CityNm0HAMBURG
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd019526
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02025-04-19T14:07:24-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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