Civic Intelligence

1St Ed Credit Union

990 • Fiscal year 2012 • EIN 23-6274650

Jan 01, 2012 to Dec 31, 2012 • Filed on May 09, 2013

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

38th percentile

0.89x

Higher debt load relative to assets than 38% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

30th percentile

2.6%

Faster asset growth than 30% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets38th percentile

Assets

Up

$130,612,589

Up $3,272,882 (+2.6%) from 2011

Net Assets

Up

$14,885,922

Up $476,420 (+3.3%) from 2011

Liabilities

Up

$115,726,667

Up $2,796,462 (+2.5%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$2,934,063

Down $558,553 (-16%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth30th percentile

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

2012

Assets$130,612,589
Liabilities$115,726,667
Net Assets$14,885,922
Open 2012 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

2012

Revenue-
Expenses$2,934,063
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 9, 2013
Return Version
2012v2.1
Gross Receipts
$3,661,710
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
Raw XML Appendix389 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/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 (EXCEPT 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 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.
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IRS990/TotalRevenue/ExclusionAmount01075328
IRS990/TotalRevenuePriorYear04136885
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome02565068
IRS990/TotalRevenue/TotalRevenueColumn03661710
IRS990/TotalRevenue/UnrelatedBusinessRevenue021314
IRS990/Travel/Total013661
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome01
IRS990/UponRequest0X
IRS990/WebSite0WWW.1EDCU.ORG
IRS990/WhistleblowerPolicy01
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/DateSigned02013-05-09
ReturnHeader/Officer/Name0KELLY CHILDRESS
ReturnHeader/Officer/Phone07172646506
ReturnHeader/Officer/Title0INTERIM CEO
ReturnHeader/PreparerFirm/EIN0520783935
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10SMITH ELLIOTT KEARNS & COMPANY LLC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10804 WAYNE AVENUE
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0CHAMBERSBURG
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0PA
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode017201
ReturnHeader/Preparer/Name0LUKE C MARTIN MEMBER OF THE FIRM
ReturnHeader/Preparer/Phone07172633910
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-05-13T11:26:37-05:00

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$130,612,589
Liabilities
$115,726,667
Net assets
$14,885,922
Revenue
-
Expenses
$2,934,063
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