Civic Intelligence

Glatco Credit Union

990 • Fiscal year 2011 • EIN 23-2047398

Jan 01, 2011 to Dec 31, 2011 • Filed on Nov 14, 2012

Organization ProfileWWW.GLATCOCU.COM

View Organization Page

53 South Main Street PO Box 19717362
Siviq Scores

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

Liabilities / Assets

33rd percentile

0.86x

Higher debt load relative to assets than 33% of similar nonprofits.

2011 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

49th percentile

3.2%

Faster asset growth than 49% of similar nonprofits.

2011 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets33rd percentile

Assets

Up

$35,320,671

Up $1,111,285 (+3.2%) from 2010

Net Assets

Down

$5,049,034

Down $587 (-0.0%) from 2010

Liabilities

Up

$30,271,637

Up $1,111,872 (+3.8%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$1,026,623

Up $13,206 (+1.3%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth49th percentile

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

$60M$40M$20M$0Assets 2010: $34,209,386Liabilities 2010: $29,159,765Net Assets 2010: $5,049,6212010Assets 2011: $35,320,671Liabilities 2011: $30,271,637Net Assets 2011: $5,049,0342011Assets 2012: $36,101,798Liabilities 2012: $31,007,024Net Assets 2012: $5,094,7742012Assets 2013: $35,775,585Liabilities 2013: $30,665,859Net Assets 2013: $5,109,7262013Assets 2014: $37,090,320Liabilities 2014: $31,912,505Net Assets 2014: $5,177,8152014Assets 2015: $38,117,436Liabilities 2015: $32,850,977Net Assets 2015: $5,266,4592015Assets 2016: $40,004,397Liabilities 2016: $34,586,704Net Assets 2016: $5,417,6932016Assets 2017: $41,069,837Liabilities 2017: $35,496,417Net Assets 2017: $5,573,4202017Assets 2018: $41,074,905Liabilities 2018: $35,331,450Net Assets 2018: $5,743,4552018Assets 2019: $42,644,405Liabilities 2019: $36,620,297Net Assets 2019: $6,024,1082019Assets 2020: $47,567,183Liabilities 2020: $41,568,943Net Assets 2020: $5,998,2402020Assets 2021: $51,875,011Liabilities 2021: $45,795,907Net Assets 2021: $6,079,1042021Assets 2022: $53,420,235Liabilities 2022: $47,151,364Net Assets 2022: $6,268,8712022Assets 2023: $50,271,339Liabilities 2023: $43,464,317Net Assets 2023: $6,807,0222023Assets 2024: $50,309,856Liabilities 2024: $42,832,356Net Assets 2024: $7,477,5002024

Highlighted filing

2011

Assets$35,320,671
Liabilities$30,271,637
Net Assets$5,049,034
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,013,4172010Expenses 2011: $1,026,6232011Expenses 2012: $893,4012012Revenue 2013: $874,879Expenses 2013: $859,927Net Income 2013: $14,9522013Revenue 2014: $880,754Expenses 2014: $812,665Net Income 2014: $68,0892014Revenue 2015: $914,978Expenses 2015: $826,334Net Income 2015: $88,6442015Revenue 2016: $942,952Expenses 2016: $791,718Net Income 2016: $151,2342016Revenue 2017: $1,025,571Expenses 2017: $873,450Net Income 2017: $152,1212017Revenue 2018: $1,197,145Expenses 2018: $1,027,110Net Income 2018: $170,0352018Revenue 2019: $1,282,850Expenses 2019: $1,002,197Net Income 2019: $280,6532019Revenue 2020: $1,146,223Expenses 2020: $1,172,091Net Income 2020: -$25,8682020Revenue 2021: $1,034,538Expenses 2021: $953,674Net Income 2021: $80,8642021Revenue 2022: $1,133,746Expenses 2022: $943,979Net Income 2022: $189,7672022Revenue 2023: $1,620,040Expenses 2023: $1,081,889Net Income 2023: $538,1512023Revenue 2024: $2,078,748Expenses 2024: $1,408,270Net Income 2024: $670,4782024

Highlighted filing

2011

Revenue-
Expenses$1,026,623
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Nov 14, 2012
Return Version
2011v1.2
Gross Receipts
$1,026,036
Mission and Program Overview

Mission

Glatco credit union is a not-for-profit financial service cooperative operating for the benefit of the members. We pledge to provide convenient services, while maintaining sound financial practices, upholding the credit union movement, and being involved in our community.

Major Activities

Activity 2
Provide financial services to 3,787 members
Filing and Contact Details

Filer

EIN
23-2047398
Raw XML Appendix386 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/GeneralExplanation/Explanation0GLATCO CREDIT UNION IS A NOT-FOR-PROFIT FINANCIAL SERVICE COOPERATIVE OPERATING FOR THE BENEFIT OF THE MEMBERS. WE PLEDGE TO PROVIDE CONVENIENT SERVICES, WHILE MAINTAINING SOUND FINANCIAL PRACTICES, UPHOLDING THE CREDIT UNION MOVEMENT, AND BEING INVOLVED IN OUR COMMUNITY.
IRS990ScheduleO/GeneralExplanation/Explanation1PROVIDE LOANS AND FINANCIAL SERVICES TO 3,787 MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation2THE CREDIT UNION IS OWNED BY ITS 3,787 MEMBERS
IRS990ScheduleO/GeneralExplanation/Explanation3THE 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/GeneralExplanation/Explanation4THE 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/GeneralExplanation/Explanation5TREASURER/CEO WILLIAM BOWKER PRESENTS THE COMPLETED FORM 990 TO THE BOARD OF DIRECTORS FOR REVIEW.
IRS990ScheduleO/GeneralExplanation/Explanation6THE CREDIT UNION'S CONFLICT OF INTEREST POLICY REQUIRES THAT DEALINGS BY CREDIT UNION OFFICIALS THAT MAY BE CONSIDERED A CONFLICT OF INTEREST BE REPORTED TO THE BOARD OF DIRECTORS FOR APPROVAL PRIOR TO THE CONSUMATION.
IRS990ScheduleO/GeneralExplanation/Explanation7THE 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 AT WWW.NCUA.GOV FOR PUBLIC INSPECTION. OTHER GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST.
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IRS990ScheduleO/GeneralExplanation/Identifier5ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier6ENFORCEMENT OF CONFLICTS POLICY
IRS990ScheduleO/GeneralExplanation/Identifier7GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
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IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/UponRequest0X
IRS990/WebSite0WWW.GLATCOCU.COM
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01977
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0232047398
ReturnHeader/Filer/Name/BusinessNameLine10GLATCO CREDIT UNION
ReturnHeader/Filer/NameControl0GLAT
ReturnHeader/Filer/Phone07172254548
ReturnHeader/Filer/USAddress/AddressLine1053 SOUTH MAIN STREET PO BOX 197
ReturnHeader/Filer/USAddress/City0SPRING GROVE
ReturnHeader/Filer/USAddress/State0PA
ReturnHeader/Filer/USAddress/ZIPCode017362
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02012-11-14
ReturnHeader/Officer/Name0WILLIAM BOWKER
ReturnHeader/Officer/Phone07172254548
ReturnHeader/Officer/Title0CEO
ReturnHeader/Preparer/DatePrepared02012-11-14
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10PADDEN GUERRINI & ASSOCIATESPC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine103425 SIMPSON FERRY ROAD
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0CAMP HILL
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0PA
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode017011
ReturnHeader/Preparer/Name0FREDERICK A TABOR CPA
ReturnHeader/Preparer/Phone07177631644
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-11-14T13:22:52-06:00

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$35,320,671
Liabilities
$30,271,637
Net assets
$5,049,034
Revenue
-
Expenses
$1,026,623
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.3$42.8$7.48$2.08$1.41$0.67
2023Detailed filing. Detailed filing data is available for this year.$50.3$43.5$6.81$1.62$1.08$0.54
2022Detailed filing. Detailed filing data is available for this year.$53.4$47.2$6.27$1.13$0.94$0.19
2021Detailed filing. Detailed filing data is available for this year.$51.9$45.8$6.08$1.03$0.95$0.08
2020Detailed filing. Detailed filing data is available for this year.$47.6$41.6$6.00$1.15$1.17$0.03
2019Detailed filing. Detailed filing data is available for this year.$42.6$36.6$6.02$1.28$1.00$0.28
2018Detailed filing. Detailed filing data is available for this year.$41.1$35.3$5.74$1.20$1.03$0.17
2017Detailed filing. Detailed filing data is available for this year.$41.1$35.5$5.57$1.03$0.87$0.15
2016Detailed filing. Detailed filing data is available for this year.$40.0$34.6$5.42$0.94$0.79$0.15
2015Detailed filing. Detailed filing data is available for this year.$38.1$32.9$5.27$0.91$0.83$0.09
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$37.1$31.9$5.18$0.88$0.81$0.07
2013Detailed filing. Detailed filing data is available for this year.$35.8$30.7$5.11$0.87$0.86$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.1$31.0$5.09$0.89
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.3$30.3$5.05$1.03
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.2$29.2$5.05$1.01