Civic Intelligence

Wawa Employees' Credit Union

990 • Fiscal year 2017 • EIN 23-2017635

Jan 01, 2017 to Dec 31, 2017 • Filed on Mar 26, 2018

Organization ProfileWWW.WAWACU.COM

View Organization Page

260 West Baltimore PikeMedia, PA 19063

(610) 358-8030

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

85th percentile

0.91x

Higher debt load relative to assets than 85% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

62nd percentile

21.68x

Higher debt load relative to revenue than 62% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Net Margin

31st percentile

2.6%

Higher net margin than 31% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

39th percentile

$67,371

Higher top officer pay than 39% of similar nonprofits.

Top officer pay equals 9.7% of source-year revenue.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Asset Growth

38th percentile

0.0%

Faster asset growth than 38% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

84th percentile

10%

Faster revenue growth than 84% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$16,495,493

Up $2,762 (+0.0%) from 2016

Net Assets

Up

$1,455,138

Up $18,687 (+1.3%) from 2016

Liabilities

Down

$15,040,355

Down $15,925 (-0.1%) from 2016

Revenue And Expenses
Liabilities / Revenue62nd percentileNet Margin31st percentile

Revenue

Up

$693,717

Up $64,128 (+10%) from 2016

Expenses

Up

$675,562

Up $91,660 (+16%) from 2016

Net Income

Down

$18,155

Down $27,532 (-60%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth38th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$30M$20M$10M$0Assets 2010: $10,938,828Liabilities 2010: $9,623,638Net Assets 2010: $1,315,1902010Assets 2011: $10,820,563Liabilities 2011: $9,477,117Net Assets 2011: $1,343,4462011Assets 2012: $12,538,391Liabilities 2012: $11,155,948Net Assets 2012: $1,382,4432012Assets 2013: $13,083,369Liabilities 2013: $11,697,551Net Assets 2013: $1,385,8182013Assets 2014: $17,266,509Liabilities 2014: $15,894,297Net Assets 2014: $1,372,2122014Assets 2015: $15,485,807Liabilities 2015: $14,095,602Net Assets 2015: $1,390,2052015Assets 2016: $16,492,731Liabilities 2016: $15,056,280Net Assets 2016: $1,436,4512016Assets 2017: $16,495,493Liabilities 2017: $15,040,355Net Assets 2017: $1,455,1382017Assets 2018: $17,184,471Liabilities 2018: $15,619,991Net Assets 2018: $1,564,4802018Assets 2019: $18,564,056Liabilities 2019: $16,888,158Net Assets 2019: $1,675,8982019Assets 2020: $22,340,128Liabilities 2020: $20,648,307Net Assets 2020: $1,691,8212020Assets 2021: $22,852,457Liabilities 2021: $21,195,527Net Assets 2021: $1,656,9302021Assets 2022: $0Liabilities 2022: $0Net Assets 2022: $02022

Highlighted filing

2017

Assets$16,495,493
Liabilities$15,040,355
Net Assets$1,455,138
Open 2017 Filing

Operations Trend

Revenue Growth84th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.0M$500K$0-$500KExpenses 2010: $638,0732010Expenses 2011: $624,6162011Expenses 2012: $610,8192012Revenue 2013: $634,327Expenses 2013: $631,477Net Income 2013: $2,8502013Revenue 2014: $624,286Expenses 2014: $638,314Net Income 2014: -$14,0282014Revenue 2015: $611,907Expenses 2015: $594,455Net Income 2015: $17,4522015Revenue 2016: $629,589Expenses 2016: $583,902Net Income 2016: $45,6872016Revenue 2017: $693,717Expenses 2017: $675,562Net Income 2017: $18,1552017Revenue 2018: $793,242Expenses 2018: $684,069Net Income 2018: $109,1732018Revenue 2019: $848,657Expenses 2019: $737,239Net Income 2019: $111,4182019Revenue 2020: $723,139Expenses 2020: $707,216Net Income 2020: $15,9232020Revenue 2021: $640,768Expenses 2021: $675,659Net Income 2021: -$34,8912021Revenue 2022: $247,608Expenses 2022: $233,863Net Income 2022: $13,7452022

Highlighted filing

2017

Revenue$693,717
Expenses$675,562
Net Income$18,155
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Mar 26, 2018
Return Version
2017v2.3
Gross Receipts
$693,717
Mission and Program Overview

Mission

Owned and operated by its' members, wawa employees' credit union is dedicated to providing personalized financial services with integrity and efficiency.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$7,485,727$8,973,727▲ $1,488,000
Other Notes and Loans Receivable, Net$5,411,268$5,610,032▲ $198,764
Savings and Temporary Cash Investments$3,344,748$1,640,095▼ $1,704,653
Rtn Earn Endowment Incm Other Fnds$1,436,451$1,455,138▲ $18,687
Accounts Receivable$26,871$56,945▲ $30,074
Cash and Non-Interest-Bearing Accounts$44,272$41,727▼ $2,545
Prepaid Expenses and Deferred Charges$37,047$31,633▼ $5,414
Land, Buildings, and Equipment, Net$6,145$3,065▼ $3,080
Total Assets$16,492,731$16,495,493▲ $2,762
Other Assets Total$136,653$138,269▲ $1,616
Liabilities
Other Liabilities$14,862,278$14,817,949▼ $44,329
Accounts Payable and Accrued Expenses$194,002$222,406▲ $28,404
Total Liabilities$15,056,280$15,040,355▼ $15,925
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,436,451$1,455,138▲ $18,687
Total Liabilities and Net Assets / Fund Balance$16,492,731$16,495,493▲ $2,762

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$3,065$189,157$192,222
Other Securities$44,727--
Compensation and Service Providers
Top Officer Pay39th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sara DoughertyCEO/treasureFT$66,321$1,050$67,371

Board Members and Trustees

NameTitle
Vonn VitalChair
Cinnamon BreighnerDirector
Darla EisenhardDirector
George GordonDirector
Patricia CarrowDirector
Phillip HornDirector
Sharon GilmourDirector
Paul ReplenskiSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$510,515
Investment Income
$158,480
Other Revenue
$24,722
Change in Net Assets
$18,155
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$398,088
Salaries, Compensation, and Employee Benefits$277,474
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$151,660
Office Expenses---$70,595
Current Officers, Directors, Trustees, and Key Employees---$67,371
Other Employee Benefits---$30,907
Interest---$29,620
Fees for Services Other---$19,960
Payroll Taxes---$19,711
All Other Expenses---$13,166
Other Expenses---$12,483
Insurance---$12,300
Pension Plan Contributions---$7,825
Depreciation Depletion---$3,754
Fees for Services Accounting---$2,550
Travel---$817
Advertising---$-700
Total Functional Expenses$0$0$0$675,562
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$8,995,542
Share Drafts$2,919,642
Money Markets$1,397,701
Share Certificates$973,728
Ira Accounts$531,336
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
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 has a single class of members. Each member has a single vote in the election of member to the credit union's board of directors.”

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

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

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

“The credit union's members must approve: -the merger of the credit union. -the dissolution or conversion of the credit union. -changes to the credit union's charter, articles, and bylaws.”

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

“The 990 is distributed to the board for review. The manager (who is also the treasurer) reviews the 990 in depth.”

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

“On a yearly basis, officers and directors are provided with a form to disclose any conflicts of interest. Any interaction representing a conflict of interest is reported to the board of directors.”

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

“The personnel committee presents a written review for the manager along with a recommendedation for salary increase to the board of directors. The board of directors discusses the merits and approves the amount of the increase.”

Form 990, Page 6, Part VI, Line 19

“The credit union's financial statements and all other governing documents are available by reqeust at the credit union office. Quarterly financial statements (call reports) are available on www.ncua.gov.”

Filing and Contact Details

Filer

Filer Name
WAWA EMPLOYEES' CREDIT UNION
EIN
23-2017635
Phone
6103588030
Address
260 WEST BALTIMORE PIKE, MEDIA, PA 19063

Signing Officer

Name
Sara Dougherty
Title
CEO/treasurer
Phone
6103588030
Signed
2018-03-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sara Dougherty
Formed
1976
Legal Domicile
Pa
Voting Board Members
9
Independent Board Members
8
Employees
6
Volunteers
8

Preparer

Firm
Rkl Llp
Address
91 CUMBERLAND PARKWAY, MECHANICSBURG, PA 17055-5676
Preparer
Christian P Pasquali CPA
Phone
7177909333
Supplemental Narrative

Additional Explanations

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

“Provide loans and financial services to 5,359 members.”

Form 990, Part XI, Line 9

“NEW MEMBER FEES 532”

Raw XML Appendix371 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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4531336
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRA ACCOUNTS
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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt144727
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROVIDE LOANS AND FINANCIAL SERVICES TO 5,359 MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS. EACH MEMBER HAS A SINGLE VOTE IN THE ELECTION OF MEMBER TO THE CREDIT UNION'S BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS. EACH MEMBER HAS A SINGLE VOTE IN THE ELECTION OF MEMBERS TO THE CREDIT UNION'S BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION'S MEMBERS MUST APPROVE: -THE MERGER OF THE CREDIT UNION. -THE DISSOLUTION OR CONVERSION OF THE CREDIT UNION. -CHANGES TO THE CREDIT UNION'S CHARTER, ARTICLES, AND BYLAWS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE 990 IS DISTRIBUTED TO THE BOARD FOR REVIEW. THE MANAGER (WHO IS ALSO THE TREASURER) REVIEWS THE 990 IN DEPTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ON A YEARLY BASIS, OFFICERS AND DIRECTORS ARE PROVIDED WITH A FORM TO DISCLOSE ANY CONFLICTS OF INTEREST. ANY INTERACTION REPRESENTING A CONFLICT OF INTEREST IS REPORTED TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE PERSONNEL COMMITTEE PRESENTS A WRITTEN REVIEW FOR THE MANAGER ALONG WITH A RECOMMENDEDATION FOR SALARY INCREASE TO THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS DISCUSSES THE MERITS AND APPROVES THE AMOUNT OF THE INCREASE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE CREDIT UNION'S FINANCIAL STATEMENTS AND ALL OTHER GOVERNING DOCUMENTS ARE AVAILABLE BY REQEUST AT THE CREDIT UNION OFFICE. QUARTERLY FINANCIAL STATEMENTS (CALL REPORTS) ARE AVAILABLE ON WWW.NCUA.GOV.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8NEW MEMBER FEES 532
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/TotalGrossUBIAmt00
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ReturnHeader/ReturnTs02018-03-26T13:39:18-04:00
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ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$16,495,493
Liabilities
$15,040,355
Net assets
$1,455,138
Revenue
$693,717
Expenses
$675,562
Net income
$18,155
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.25$0.23$0.01
2021Detailed filing. Detailed filing data is available for this year.$22.9$21.2$1.66$0.64$0.68$0.03
2020Detailed filing. Detailed filing data is available for this year.$22.3$20.6$1.69$0.72$0.71$0.02
2019Detailed filing. Detailed filing data is available for this year.$18.6$16.9$1.68$0.85$0.74$0.11
2018Detailed filing. Detailed filing data is available for this year.$17.2$15.6$1.56$0.79$0.68$0.11
2017Detailed filing. Detailed filing data is available for this year.$16.5$15.0$1.46$0.69$0.68$0.02
2016Detailed filing. Detailed filing data is available for this year.$16.5$15.1$1.44$0.63$0.58$0.05
2015Detailed filing. Detailed filing data is available for this year.$15.5$14.1$1.39$0.61$0.59$0.02
2014Detailed filing. Detailed filing data is available for this year.$17.3$15.9$1.37$0.62$0.64$0.01
2013Detailed filing. Detailed filing data is available for this year.$13.1$11.7$1.39$0.63$0.63$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.5$11.2$1.38$0.61
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.8$9.48$1.34$0.62
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.9$9.62$1.32$0.64