Civic Intelligence

1St Ed Credit Union

990 • Fiscal year 2011 • EIN 23-6274650

Jan 01, 2011 to Dec 31, 2011 • Filed on Apr 03, 2012

Organization ProfileWWW.1EDCU.ORG

View Organization Page

1156 Kennebec Drive17201
Siviq Scores

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

Liabilities / Assets

36th percentile

0.89x

Higher debt load relative to assets than 36% of similar nonprofits.

2011 filings • 501(c)14 • $100M-$250M 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

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets36th percentile

Assets

$127,339,707

No earlier filing loaded for comparison.

Net Assets

$14,409,502

No earlier filing loaded for comparison.

Liabilities

$112,930,205

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$3,492,616

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$150M$100M$50M$0Assets 2011: $127,339,707Liabilities 2011: $112,930,205Net Assets 2011: $14,409,5022011Assets 2012: $130,612,589Liabilities 2012: $115,726,667Net Assets 2012: $14,885,9222012Assets 2014: $126,902,996Liabilities 2014: $111,556,561Net Assets 2014: $15,346,4352014Assets 2015: $125,344,237Liabilities 2015: $109,408,282Net Assets 2015: $15,935,9552015Assets 2016: $121,588,283Liabilities 2016: $105,058,637Net Assets 2016: $16,529,6462016Assets 2017: $118,563,673Liabilities 2017: $101,388,458Net Assets 2017: $17,175,2152017Assets 2018: $115,913,743Liabilities 2018: $98,340,686Net Assets 2018: $17,573,0572018Assets 2019: $116,889,166Liabilities 2019: $97,537,932Net Assets 2019: $19,351,2342019Assets 2020: $127,018,767Liabilities 2020: $106,936,002Net Assets 2020: $20,082,7652020Assets 2021: $134,760,811Liabilities 2021: $115,608,912Net Assets 2021: $19,151,8992021Assets 2024: $138,301,818Liabilities 2024: $120,824,520Net Assets 2024: $17,477,2982024

Highlighted filing

2011

Assets$127,339,707
Liabilities$112,930,205
Net Assets$14,409,502
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$6.0M$4.0M$2.0M$0Expenses 2011: $3,492,6162011Expenses 2012: $2,934,0632012Revenue 2014: $3,250,179Expenses 2014: $2,727,667Net Income 2014: $522,5122014Revenue 2015: $3,213,997Expenses 2015: $2,653,695Net Income 2015: $560,3022015Revenue 2016: $3,310,002Expenses 2016: $2,784,387Net Income 2016: $525,6152016Revenue 2017: $3,515,411Expenses 2017: $2,626,317Net Income 2017: $889,0942017Revenue 2018: $3,854,928Expenses 2018: $2,929,001Net Income 2018: $925,9272018Revenue 2019: $4,063,791Expenses 2019: $3,469,904Net Income 2019: $593,8872019Revenue 2020: $3,830,608Expenses 2020: $3,543,272Net Income 2020: $287,3362020Revenue 2021: $3,611,021Expenses 2021: $3,266,232Net Income 2021: $344,7892021Revenue 2024: $5,536,855Expenses 2024: $5,221,574Net Income 2024: $315,2812024

Highlighted filing

2011

Revenue-
Expenses$3,492,616
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Apr 3, 2012
Return Version
2011v1.2
Gross Receipts
$4,137,220
Mission and Program Overview

Mission

1st ed credit union is a member-owned financial institution, serving school emplopyees and their families in adams, cumberland, franklin, fulton and york counties. Our purpose is to provide members with quality and diverse services, as well as personal attention to their financial needs. We strive for continued growth while maintaining financial stability.

Filing and Contact Details

Filer

EIN
23-6274650
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IRS990/ActivityOrMissionDescription0CREDIT UNIONS ARE COOPERATIVE SAVINGS AND CREDIT ASSOCIATIONS INCORPORATED UNDER ACT NO. 260 OF MAY 26, 1993 OR ACT NO. 283 OF SEPTEMBER 20, 1961, FOR THE PURPOSE OF PROMOTING THRIFT AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR SUCH MEMBERS AT REASONABLE RATES OF INTEREST AND PROVIDING AN OPPORTUNITY FOR ITS MEMBERS TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS.
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IRS990ScheduleO/GeneralExplanation/Explanation0THE MEMBERSHIP OF 1ST ED CREDIT UNION IS LIMITED TO EMPLOYEES OF THE SCHOOL DISTRICTS IN THE COUNTIES OF FRANKLIN, FULTON, ADAMS AND CUMBERLAND (EXECPT WEST SHORE, CAMP HILL, EAST PENNSBORO, MECHANICSBURG, AND CUMBERLAND VALLEY); LINCOLN INTERMEDIATE UNIT 12 EMPLOYEES EMPLOYED IN ADAMS, FRANKLIN AND YORK COUNTIES; TEACHERS EMPLOYED BY THE COMMONWEALTH OF PENNSYLVANIA IN THOSE COUNTIES; ASSOCIATIONS OF SUCH MEMBERS; EMPLOYEES OF THE CREDIT UNION; OTHER OCCUPATIONAL AND ASSOCIATIONAL GROUPS AS PROVIDED BY LAW AND WITH THE PRIOR WRITTEN APPROVAL OF THE DEPARTMENT OF BANKING; AND MEMBERS OF THEIR IMMEDIATE FAMILIES.
IRS990ScheduleO/GeneralExplanation/Explanation1THE ORGANIZATION'S MEMBERS HAVE THE ABILITY TO ELECT MEMBERS OF THE GOVERNING BODY AT THE ORGANIZATION'S ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation2THE ORGANIZATION'S MEMBERS HAVE THE ABILITY TO VOTE ON ANY CHANGES MADE TO THE ORGANIZATION'S BYLAWS AND ARTICLES OF INCORPORATION AT THE ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation3THE FORM 990 IS REVIEWED BY THE CEO AND THE ACCOUNTING MANAGER BEFORE BEING PASSED ON TO THE GOVERNING BODY. THE GOVERNING BODY THEN REVIEWS THE FORM 990 BEFORE THE FORM 990 IS FILED.
IRS990ScheduleO/GeneralExplanation/Explanation4THE CREDIT UNION'S BOARD MEMBERS ARE REQUIRED TO ABSTAIN FROM VOTING WHENEVER A CONFLICT OF INTEREST COULD ARISE.
IRS990ScheduleO/GeneralExplanation/Explanation5THE ORGANIZATION'S TOP MANAGEMENT OFFICIAL AND KEY EMPLOYEES' COMPENSATION IS DETERMINED USING A SURVEY OF INDUSTRY STANDARDS, GUIDED BY ASSET SIZE AND NUMBER OF FULL TIME EMPLOYEES. THE EMPLOYEE'S SENIOR MANAGER DETERMINES THE COMPENSATION BASED ON THE INDUSTRY STANDARDS AND THE GOVERNING BODY THEN APPROVES THE COMPENSATION.
IRS990ScheduleO/GeneralExplanation/Explanation6THE ORGANIZATION'S FORM 990 IS AVAILABLE FOR PUBLIC INSPECTION UPON WRITTEN REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation7THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation8NET UNREALIZED GAINS ON INVESTMENTS: 146,476.
IRS990ScheduleO/GeneralExplanation/Identifier0CHANGES IN NET ASSETS OR FUND BALANCES:
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
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IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION C, LINE 18
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference8FORM 990, PART XI, LINE 5:
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IRS990/TotalAssetsBOY0125391558
IRS990/TotalAssets/EOY0127339707
IRS990/TotalAssetsEOY0127339707
IRS990/TotalCompGT150K00
IRS990/TotalExpensesCurrentYear03492616
IRS990/TotalExpensesPriorYear04283492
IRS990/TotalFunctionalExpenses/Total03492616
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI012389
IRS990/TotalLiabilities/BOY0111772801
IRS990/TotalLiabilitiesBOY0111772801
IRS990/TotalLiabilities/EOY0112930205
IRS990/TotalLiabilitiesEOY0112930205
IRS990/TotalLiabNetAssetsFundBalances/BOY0125391558
IRS990/TotalLiabNetAssetsFundBalances/EOY0127339707
IRS990/TotalNbrEmployees020
IRS990/TotalNbrVolunteers010
IRS990/TotalNetAssetsFundBalances/BOY013618757
IRS990/TotalNetAssetsFundBalances/EOY014409502
IRS990/TotalOtherCompensation00
IRS990/TotalOtherRevenue0361834
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceExpense03492616
IRS990/TotalProgramServiceRevenue02695022
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg0169439
IRS990/TotalRevenueCurrentYear04136885
IRS990/TotalRevenue/ExclusionAmount01080364
IRS990/TotalRevenuePriorYear04474897
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome03044132
IRS990/TotalRevenue/TotalRevenueColumn04136885
IRS990/TotalRevenue/UnrelatedBusinessRevenue012389
IRS990/TransactionRelatedEntity00
IRS990/Travel/Total014687
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome01
IRS990/UponRequest0X
IRS990/WebSite0WWW.1EDCU.ORG
IRS990/WhistleblowerPolicy00
IRS990/YearFormation01933
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0236274650
ReturnHeader/Filer/Name/BusinessNameLine101ST ED CREDIT UNION
ReturnHeader/Filer/NameControl01STE
ReturnHeader/Filer/Phone07172646506
ReturnHeader/Filer/USAddress/AddressLine101156 KENNEBEC DRIVE
ReturnHeader/Filer/USAddress/City0CHAMBERSBURG
ReturnHeader/Filer/USAddress/State0PA
ReturnHeader/Filer/USAddress/ZIPCode017201
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02012-04-03
ReturnHeader/Officer/Name0KELLY CHILDRESS
ReturnHeader/Officer/Phone07172646506
ReturnHeader/Officer/Title0INTERIM CEO

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$127,339,707
Liabilities
$112,930,205
Net assets
$14,409,502
Revenue
-
Expenses
$3,492,616
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$138$121$17.5$5.54$5.22$0.32
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$135$116$19.2$3.61$3.27$0.34
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$127$107$20.1$3.83$3.54$0.29
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$117$97.5$19.4$4.06$3.47$0.59
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$116$98.3$17.6$3.85$2.93$0.93
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$119$101$17.2$3.52$2.63$0.89
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$122$105$16.5$3.31$2.78$0.53
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$125$109$15.9$3.21$2.65$0.56
2014Detailed filing. Detailed filing data is available for this year.$127$112$15.3$3.25$2.73$0.52
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$131$116$14.9$2.93
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$127$113$14.4$3.49
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2011 filings • 501(c)14 • $100M-$250M nonprofits