Civic Intelligence

Hidden River Credit Union

EIN 23-1524374 • 501(c)14 • Pottsville, PA

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Profile

The mission of hidden river credit union is to provide service excellence and to meet the financial needs of members by furnishing the widest array possible of high quality, low cost, financial products, services and information. Conservative financial management practices and financial strength will be the core from which the credit union grows and executes its mission. The foundation of the mission is firmly established in the credit union philosophy of "people helping people" and it is the objective of every member of the board of directors, all committees, management and staff.

60 Westwood RoadPottsville, PA 17901

www.hdriver.org

Siviq Scores

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

Liabilities / Assets

74th percentile

0.91x

Higher debt load relative to assets than 74% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

82nd percentile

20.37x

Higher debt load relative to revenue than 82% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

81st percentile

21%

Higher net margin than 81% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

38th percentile

$250,316

Higher top officer pay than 38% of similar nonprofits.

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

$100M-$250M nonprofits • Source year 2024

Asset Growth

58th percentile

3.0%

Faster asset growth than 58% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2024

Revenue Growth

89th percentile

30%

Faster revenue growth than 89% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets74th percentile

Assets

Up

$227,648,933

Up $11,567,811 (+5.4%) from 2023

Liabilities

Up

$207,557,030

Up $9,382,360 (+4.7%) from 2023

Net Assets

Up

$20,091,903

Up $2,185,451 (+12%) from 2023

Operations
Liabilities / Revenue82nd percentileNet Margin81st percentile

Revenue

Up

$10,189,721

Up $2,505,029 (+33%) from 2023

Expenses

Up

$8,005,696

Up $1,465,883 (+22%) from 2023

Net Income

Up

$2,184,025

Up $1,039,146 (+91%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth58th percentile

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

$300M$200M$100M$0Assets 2011: $109,414,005Liabilities 2011: $97,567,891Net Assets 2011: $11,846,1142011Assets 2012: $108,602,760Liabilities 2012: $96,685,588Net Assets 2012: $11,917,1722012Assets 2013: $109,226,573Liabilities 2013: $97,231,425Net Assets 2013: $11,995,1482013Assets 2014: $110,970,342Liabilities 2014: $99,131,089Net Assets 2014: $11,839,2532014Assets 2015: $114,073,433Liabilities 2015: $102,360,617Net Assets 2015: $11,712,8162015Assets 2016: $135,249,156Liabilities 2016: $122,601,206Net Assets 2016: $12,647,9502016Assets 2017: $141,989,784Liabilities 2017: $129,079,350Net Assets 2017: $12,910,4342017Assets 2018: $150,924,654Liabilities 2018: $137,349,629Net Assets 2018: $13,575,0252018Assets 2019: $162,788,944Liabilities 2019: $148,609,668Net Assets 2019: $14,179,2762019Assets 2020: $193,074,746Liabilities 2020: $178,221,727Net Assets 2020: $14,853,0192020Assets 2021: $218,259,509Liabilities 2021: $202,605,008Net Assets 2021: $15,654,5012021Assets 2022: $214,507,102Liabilities 2022: $197,746,957Net Assets 2022: $16,760,1452022Assets 2023: $216,081,122Liabilities 2023: $198,174,670Net Assets 2023: $17,906,4522023Assets 2024: $227,648,933Liabilities 2024: $207,557,030Net Assets 2024: $20,091,9032024

Highlighted filing

2024

Assets$227,648,933
Liabilities$207,557,030
Net Assets$20,091,903
Open 2024 Filing

Operations Trend

Revenue Growth89th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2011: $3,280,4842011Expenses 2012: $2,909,2652012Revenue 2013: $2,980,595Expenses 2013: $2,903,432Net Income 2013: $77,1632013Revenue 2014: $2,760,325Expenses 2014: $2,917,095Net Income 2014: -$156,7702014Revenue 2015: $2,919,840Expenses 2015: $3,047,291Net Income 2015: -$127,4512015Revenue 2016: $3,585,479Expenses 2016: $3,451,429Net Income 2016: $134,0502016Revenue 2017: $4,379,679Expenses 2017: $4,118,202Net Income 2017: $261,4772017Revenue 2018: $4,973,298Expenses 2018: $4,309,832Net Income 2018: $663,4662018Revenue 2019: $5,690,641Expenses 2019: $5,087,632Net Income 2019: $603,0092019Revenue 2020: $5,752,604Expenses 2020: $5,079,857Net Income 2020: $672,7472020Revenue 2021: $5,518,275Expenses 2021: $4,718,119Net Income 2021: $800,1562021Revenue 2022: $5,991,116Expenses 2022: $4,886,644Net Income 2022: $1,104,4722022Revenue 2023: $7,684,692Expenses 2023: $6,539,813Net Income 2023: $1,144,8792023Revenue 2024: $10,189,721Expenses 2024: $8,005,696Net Income 2024: $2,184,0252024

Highlighted filing

2024

Revenue$10,189,721
Expenses$8,005,696
Net Income$2,184,025
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$227,648,933
Liabilities
$207,557,030
Net assets
$20,091,903
Revenue
$10,189,721
Expenses
$8,005,696
Net income
$2,184,025
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$228$208$20.1$10.2$8.01$2.18
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$216$198$17.9$7.68$6.54$1.14
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$215$198$16.8$5.99$4.89$1.10
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$218$203$15.7$5.52$4.72$0.80
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$193$178$14.9$5.75$5.08$0.67
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$163$149$14.2$5.69$5.09$0.60
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$151$137$13.6$4.97$4.31$0.66
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$142$129$12.9$4.38$4.12$0.26
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$135$123$12.6$3.59$3.45$0.13
2015Detailed filing. Detailed filing data is available for this year.$114$102$11.7$2.92$3.05$0.13
2014Detailed filing. Detailed filing data is available for this year.$111$99.1$11.8$2.76$2.92$0.16
2013Detailed filing. Detailed filing data is available for this year.$109$97.2$12.0$2.98$2.90$0.08
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$109$96.7$11.9$2.91
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$109$97.6$11.8$3.28
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 13, 2025
Return Version
2024v5.0
Gross Receipts
$10,189,721
Mission and Program Overview

Mission

The mission of hidden river credit union is to provide service excellence and to meet the financial needs of members by furnishing the widest array possible of high quality, low cost, financial products, services and information. Conservative financial management practices and financial strength will be the core from which the credit union grows and executes its mission. The foundation of the mission is firmly established in the credit union philosophy of "people helping people- and it is the objective of every member of the board of directors, all committees, management and staff.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$88,620,776$98,666,596▲ $10,045,820
Investments Other Securities$72,971,484$70,152,932▼ $2,818,552
Investments in Publicly Traded Securities$35,904,000$43,429,000▲ $7,525,000
Rtn Earn Endowment Incm Other Fnds$17,906,452$20,091,903▲ $2,185,451
Savings and Temporary Cash Investments$8,820,463$5,949,841▼ $2,870,622
Land, Buildings, and Equipment, Net$4,122,016$3,882,050▼ $239,966
Cash and Non-Interest-Bearing Accounts$2,396,658$2,480,876▲ $84,218
Receivables From Officers Etc$418,521$410,427▼ $8,094
Prepaid Expenses and Deferred Charges$257,732$231,086▼ $26,646
Total Assets$216,081,122$227,648,933▲ $11,567,811
Other Assets Total$2,569,472$2,446,125▼ $123,347
Liabilities
Other Liabilities$197,271,517$207,020,357▲ $9,748,840
Accounts Payable and Accrued Expenses$903,153$536,673▼ $366,480
Total Liabilities$198,174,670$207,557,030▲ $9,382,360
Net Assets / Fund Balance
Total Net Assets Fund Balance$17,906,452$20,091,903▲ $2,185,451
Total Liabilities and Net Assets / Fund Balance$216,081,122$227,648,933▲ $11,567,811

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,041,841$2,287,544$5,329,385
Equipment$237,525$1,257,861$1,495,386
Land$602,684-$602,684
Other Securities$183,266--
Compensation and Service Providers
Top Officer Pay38th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
John MurgaCEOFT$231,885$18,431$250,316

Board Members and Trustees

NameTitle
George ZwiebelPresident
Charles LantzDirector
Gerard WeissDirector
Robert ConnellyDirector
Linda BollingerSecretary
Robert StablumTreasurer
Mary Ellen SetlockVice Preside

Highest Paid Contractors

ContractorServicesLocationCompensation
Coop Financial ServicesDr Card Process9692 HAVEN AVE, Rancho Cucamonga, CA 91730$388,803
Capital Blue CrossHealth InsurancPO BOX 371482, Pittsburgh, PA 15250$318,824
Jack Henry & AssociatesCore ProcessorPO BOX 609, Monett, MO 65708$183,109
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,637,525
Investment Income
$3,552,196
Other Revenue
$0
Change in Net Assets
$2,184,025
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,458,623
Salaries, Compensation, and Employee Benefits$2,547,073
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$2,675,015
Other Salaries and Wages---$1,783,238
Office Expenses---$641,186
Other Employee Benefits---$299,646
Depreciation Depletion---$265,741
Current Officers, Directors, Trustees, and Key Employees---$231,885
Information Technology---$227,198
Occupancy---$185,250
Payroll Taxes---$162,205
Advertising---$129,440
Fees for Services Other---$101,243
Insurance---$76,188
Pension Plan Contributions---$70,099
All Other Expenses---$66,238
Other Expenses---$25,445
Conferences and Meetings---$17,062
Total Functional Expenses$0$0$0$8,005,696
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$418,521$410,427▼ $8,094
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Accounts$159,352,188
Share Certificates$47,654,644
Allow for Credit Losses$13,525
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, Page 6, Part VI, Line 6

“The credit union is owned by its more than 15,000 members. Membership is open to anyone who lives, works, or worships in schuylkill county.”

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

“The credit union has a single class of members each of whom 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: -- changes to the credit union's charter, articles and bylaws -- the merger of the credit union -- the dissolution or conversion of the credit union”

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

“The return is examined by the credit union's senior management prior to filing.”

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

“The credit union regulary and consistently monitor and enforce compliance with the policy.”

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

“Compensation for the ceo is set and approved by the board of directors using industry salary surveys.”

Form 990, Page 6, Part VI, Line 19

“The credit union's financial statements are posted in the lobbies of the credit union on a monthly basis. Quarterly financial statements (call reports) are available on www.ncua.gov. Charter and bylaws are available to the membership upon request.”

Filing and Contact Details

Filer

Filer Name
Hidden River Credit Union
EIN
23-1524374
Phone
5706244334
Address
60 WESTWOOD ROAD, POTTSVILLE, PA 17901

Signing Officer

Name
John Murga
Title
CEO
Phone
5706244334
Signed
2025-06-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John Murga
Formed
1953
Legal Domicile
Pa
Voting Board Members
7
Independent Board Members
7
Employees
35
Volunteers
7

Preparer

Firm
Carver and Associates LLC
Address
1221 WYOMING AVE, FORTY FORT, PA 18704
Preparer
Chris W Carver CPA
Phone
5706933662
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“To provide low interest loans and financial products to members.”

Form 990, Part XI, Line 9

“MEMBERSHIP FEES 1,426”

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.

Path#Value
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IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0536673
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0THE MISSION OF HIDDEN RIVER CREDIT UNION IS TO PROVIDE SERVICE EXCELLENCE AND TO MEET THE FINANCIAL NEEDS OF MEMBERS BY FURNISHING THE WIDEST ARRAY POSSIBLE OF HIGH QUALITY, LOW COST, FINANCIAL PRODUCTS, SERVICES AND INFORMATION. CONSERVATIVE FINANCIAL MANAGEMENT PRACTICES AND FINANCIAL STRENGTH WILL BE THE CORE FROM WHICH THE CREDIT UNION GROWS AND EXECUTES ITS MISSION. THE FOUNDATION OF THE MISSION IS FIRMLY ESTABLISHED IN THE CREDIT UNION PHILOSOPHY OF "PEOPLE HELPING PEOPLE- AND IT IS THE OBJECTIVE OF EVERY MEMBER OF THE BOARD OF DIRECTORS, ALL COMMITTEES, MANAGEMENT AND STAFF.
IRS990/AdvertisingGrp/TotalAmt0129440
IRS990/AllOtherExpensesGrp/TotalAmt066238
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IRS990/BooksInCareOfDetail/PersonNm0JOHN MURGA
IRS990/BooksInCareOfDetail/PhoneNum05706244334
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt060 WESTWOOD ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0POTTSVILLE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0PA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd017901
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IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt02396658
IRS990/CashNonInterestBearingGrp/EOYAmt02480876
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt03
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0231885
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt017062
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0388803
IRS990/ContractorCompensationGrp/CompensationAmt1318824
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2MO
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IRS990/ContractorCompensationGrp/ServicesDesc0DR CARD PROCESS
IRS990/ContractorCompensationGrp/ServicesDesc1HEALTH INSURANC
IRS990/ContractorCompensationGrp/ServicesDesc2CORE PROCESSOR
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
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IRS990/CYTotalExpensesAmt08005696
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt010189721
IRS990/DecisionsSubjectToApprovaInd0true
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IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0265741
IRS990/Desc0TO PROVIDE LOW INTEREST LOANS AND FINANCIAL PRODUCTS TO MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
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IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt035
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesOtherGrp/TotalAmt0101243
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
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IRS990/Form990PartVIISectionAGrp/PersonNm2ROBERT CONNELLY
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd0false
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IRS990/FSAuditedInd0false
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IRS990/GrantsToIndividualsInd0false
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IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
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IRS990/MissionDesc0SEE SCHEDULE O
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IRS990/OtherExpensesGrp/TotalAmt1427461
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0231086
IRS990/PrincipalOfficerNm0JOHN MURGA
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IRS990/ProgramServiceRevenueGrp/BusinessCd0525990
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc3NON-MEMBER ATM FEES
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt02287544
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05329385
IRS990ScheduleD/EquipmentGrp/BookValueAmt0237525
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01257861
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01495386
IRS990ScheduleD/LandGrp/BookValueAmt0602684
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0602684
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0159352188
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt147654644
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt213525
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2ALLOW FOR CREDIT LOSSES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt068708908
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1711991
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2548767
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3183266
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CORPORATE CU CONTRIBUTED CAP
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CLF MEMBERSHIP STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc3CO-OP INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
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IRS990ScheduleD/TotalBookValueSecuritiesAmt070152932
IRS990ScheduleD/TotalLiabilityAmt0207020357
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IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt018431
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JOHN MURGA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0250316
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0410427
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0LOANS TO CU OFFICIALS AND SEN EXEC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/TotalBalanceDueAmt0410427
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TO PROVIDE LOW INTEREST LOANS AND FINANCIAL PRODUCTS TO MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS OWNED BY ITS MORE THAN 15,000 MEMBERS. MEMBERSHIP IS OPEN TO ANYONE WHO LIVES, WORKS, OR WORSHIPS IN SCHUYLKILL COUNTY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS EACH OF WHOM HAS A SINGLE VOTE IN THE ELECTION OF MEMBERS TO THE CREDIT UNION'S BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION'S MEMBERS MUST APPROVE: -- CHANGES TO THE CREDIT UNION'S CHARTER, ARTICLES AND BYLAWS -- THE MERGER OF THE CREDIT UNION -- THE DISSOLUTION OR CONVERSION OF THE CREDIT UNION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE RETURN IS EXAMINED BY THE CREDIT UNION'S SENIOR MANAGEMENT PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION REGULARY AND CONSISTENTLY MONITOR AND ENFORCE COMPLIANCE WITH THE POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6COMPENSATION FOR THE CEO IS SET AND APPROVED BY THE BOARD OF DIRECTORS USING INDUSTRY SALARY SURVEYS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE CREDIT UNION'S FINANCIAL STATEMENTS ARE POSTED IN THE LOBBIES OF THE CREDIT UNION ON A MONTHLY BASIS. QUARTERLY FINANCIAL STATEMENTS (CALL REPORTS) ARE AVAILABLE ON WWW.NCUA.GOV. CHARTER AND BYLAWS ARE AVAILABLE TO THE MEMBERSHIP UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8MEMBERSHIP FEES 1,426
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
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IRS990/TerminateOperationsInd0false
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt08005696
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IRS990/TotalLiabilitiesGrp/BOYAmt0198174670
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IRS990/TotalOtherCompensationAmt018431
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IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt024500
IRS990/TotalVolunteersCnt07
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IRS990/TypeOfOrganizationCorpInd0X
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IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt060 WESTWOOD ROAD
IRS990/USAddress/CityNm0POTTSVILLE
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd017901
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IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.HDRIVER.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JOHN MURGA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05706244334
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-06-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HIDDEN RIVER CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0HIDD
ReturnHeader/Filer/EIN0231524374
ReturnHeader/Filer/PhoneNum05706244334
ReturnHeader/Filer/USAddress/AddressLine1Txt060 WESTWOOD ROAD
ReturnHeader/Filer/USAddress/CityNm0POTTSVILLE
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0232936821
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CARVER AND ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01221 WYOMING AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0FORTY FORT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd018704

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