Liabilities / Assets
27th percentile
Higher debt load relative to assets than 27% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
27th percentile
Higher debt load relative to assets than 27% of similar nonprofits.
Liabilities / Revenue
98th percentile
Higher debt load relative to revenue than 98% of similar nonprofits.
Net Margin
78th percentile
Higher net margin than 78% of similar nonprofits.
Top Officer Pay
4th percentile
Higher top officer pay than 4% of similar nonprofits.
Top officer pay equals 3.0% of source-year revenue.
Asset Growth
4th percentile
Faster asset growth than 4% of similar nonprofits.
Revenue Growth
19th percentile
Faster revenue growth than 19% of similar nonprofits.
Assets
Down$125,344,237
Down $1,558,759 (-1.2%) from 2014
Net Assets
Up$15,935,955
Up $589,520 (+3.8%) from 2014
Liabilities
Down$109,408,282
Down $2,148,279 (-1.9%) from 2014
Revenue
Down$3,213,997
Down $36,182 (-1.1%) from 2014
Expenses
Down$2,653,695
Down $73,972 (-2.7%) from 2014
Net Income
Up$560,302
Up $37,790 (+7.2%) from 2014
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.
Credit 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 amoung 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 ecomonic and social conditions.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments in Publicly Traded Securities | $76,245,902 | $69,746,292 | ▼ $6,499,610 |
| Other Notes and Loans Receivable, Net | $44,250,325 | $47,945,570 | ▲ $3,695,245 |
| Rtn Earn Endowment Incm Other Fnds | $13,922,055 | $14,511,575 | ▲ $589,520 |
| Savings and Temporary Cash Investments | $2,953,091 | $4,590,767 | ▲ $1,637,676 |
| Cap Stk Tr Prin Current Funds | $1,424,380 | $1,424,380 | → $0 |
| Land, Buildings, and Equipment, Net | $1,485,906 | $1,367,014 | ▼ $118,892 |
| Cash and Non-Interest-Bearing Accounts | $312,970 | $240,485 | ▼ $72,485 |
| Prepaid Expenses and Deferred Charges | $176,441 | $127,305 | ▼ $49,136 |
| Accounts Receivable | $172,899 | $66,936 | ▼ $105,963 |
| Total Assets | $126,902,996 | $125,344,237 | ▼ $1,558,759 |
| Other Assets Total | $1,305,462 | $1,259,868 | ▼ $45,594 |
| Liabilities | |||
| Accounts Payable and Accrued Expenses | $111,112,489 | $108,859,470 | ▼ $2,253,019 |
| Other Liabilities | $444,072 | $548,812 | ▲ $104,740 |
| Total Liabilities | $111,556,561 | $109,408,282 | ▼ $2,148,279 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $15,346,435 | $15,935,955 | ▲ $589,520 |
| Total Liabilities and Net Assets / Fund Balance | $126,902,996 | $125,344,237 | ▼ $1,558,759 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,156,994 | $341,993 | $1,498,987 |
| Equipment | $61,291 | $490,989 | $552,280 |
| Land | $148,729 | - | $148,729 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Kelly Childress | CEO/presiden | FT | $96,478 | $96,478 |
| Kelly Daugherty | VP of Operat | FT | $63,959 | $63,959 |
| Name | Title |
|---|---|
| Margaret M Hollar | President |
| Alan Estes | Board Member |
| Andrew Nelson | Board Member |
| Deborah Westover | Board Member |
| Larry Bresnahan | Board Member |
| Roy Johnston | Secretary/tr |
| Carolyn Faith | Supervisory |
| John Southwood | Supervisory |
| Karen Shearer | Supervisory |
| Deborah Frame | Vice Preside |
| Line Item | Amount |
|---|---|
| Other Expenses | $1,648,980 |
| Salaries, Compensation, and Employee Benefits | $1,004,715 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $631,545 |
| Interest | - | - | - | $405,922 |
| Information Technology | - | - | - | $196,604 |
| All Other Expenses | - | - | - | $170,919 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $160,437 |
| Other Employee Benefits | - | - | - | $154,892 |
| Depreciation Depletion | - | - | - | $134,995 |
| Advertising | - | - | - | $94,583 |
| Payroll Taxes | - | - | - | $57,841 |
| Other Expenses | - | - | - | $52,638 |
| Occupancy | - | - | - | $52,128 |
| Insurance | - | - | - | $45,022 |
| Fees for Services Accounting | - | - | - | $37,065 |
| Travel | - | - | - | $20,632 |
| Office Expenses | - | - | - | $18,536 |
| Conferences and Meetings | - | - | - | $1,536 |
| Fees for Services Legal | - | - | - | $359 |
| Total Functional Expenses | $0 | $0 | $0 | $2,653,695 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Outstanding Checks | $297,769 |
| Miscellaneous Accounts Payable | $148,337 |
| Accrued Expenses | $99,278 |
| Payroll Taxes Payable | $3,428 |
“The membership of 1st ed credit union is limited to employees and students 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 and students attending 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.”
“The organization's members have the ability to elect members of the governing body at the organization's annual meeting.”
“The 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 or special meeting called by the board of directors.”
“The form 990 is reviewed by the ceo and the accounting manager before being passed on to the governing board. The governing body then reviews the form 990 before the form is filed.”
“The credit union's board members are required to abstain from voting whenever a conflict of interest could arise.”
“The organization's top management offical's 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 compensation using a survey of industry standards and the governing body then approves the recommended compensation.”
“The organization's governing documents, conflict of interest policy, and financial statements are made available to the public upon request. The organization's form 990 is also available to the public through www.guidestar.org.”
“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.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 111112489 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 108859470 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 172899 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 66936 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | CREDIT 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 AMOUNG 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 ECOMONIC AND SOCIAL CONDITIONS. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 94583 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 170919 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | KELLY CHILDRESS |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 7172646506 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1156 KENNEBEC DRIVE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | CHAMBERSBURG |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | PA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 17201 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 1424380 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 1424380 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 312970 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 240485 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 160437 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 1536 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 884249 |
| IRS990/CYOtherExpensesAmt | 0 | 1648980 |
| IRS990/CYOtherRevenueAmt | 0 | 426130 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1903618 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 560302 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1004715 |
| IRS990/CYTotalExpensesAmt | 0 | 2653695 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 3213997 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 134995 |
| IRS990/Desc | 0 | 1ST ED CREDIT UNION IS A MEMBER-OWNED FINANCIAL INSTITUTION, SERVING SCHOOL EMPLOYEES 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. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 23 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/ExpenseAmt | 0 | 2653695 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 37065 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 359 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | MARGARET M HOLLAR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | DEBORAH FRAME |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | LARRY BRESNAHAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | ALAN ESTES |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | ANDREW NELSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | DEBORAH WESTOVER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | ROY JOHNSTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | CAROLYN FAITH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | KAREN SHEARER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | JOHN SOUTHWOOD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | KELLY CHILDRESS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | KELLY DAUGHERTY |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 96478 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 63959 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE PRESIDE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | SECRETARY/TR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | SUPERVISORY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | SUPERVISORY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | SUPERVISORY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | CEO/PRESIDEN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | VP OF OPERAT |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/FormationYr | 0 | 1933 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 13482 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 79 |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 54875 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 79 |
| IRS990/GrossReceiptsAmt | 0 | 3255390 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 196604 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 45022 |
| IRS990/InterestGrp/TotalAmt | 0 | 405922 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 870688 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 870688 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 76245902 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 69746292 |
| IRS990/IRPDocumentCnt | 0 | 2014 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 832982 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1485906 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1367014 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 2199996 |
| IRS990/LegalDomicileStateCd | 0 | PA |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 41393 |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | 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. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 15346435 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 15935955 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | 13561 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 13561 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 39277 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 52128 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 18536 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1305462 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1259868 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 154892 |
| IRS990/OtherExpensesGrp/Desc | 0 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 1 | INTERCHANGE EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 2 | PROVISION FOR LOAN LOSSES |
| IRS990/OtherExpensesGrp/Desc | 3 | PROCESSING EXPENSES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 197845 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 150307 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 69889 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 52638 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 444072 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 548812 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 522100 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 2 | 522100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | FEES ON CREDIT CARDS |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | FEES AND CHARGES ON PRODUCTS |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | OTHER INCOME |
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| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 181528 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 2 | 3661 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 240941 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 181528 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 3661 |
| IRS990/OtherRevenueTotalAmt | 0 | 426130 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 631545 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 44250325 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 47945570 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 57841 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 176441 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 127305 |
| IRS990/PrincipalOfficerNm | 0 | KELLY CHILDRESS |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | -10059 |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
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| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1903618 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 865009 |
| IRS990/PYOtherExpensesAmt | 0 | 1762149 |
| IRS990/PYOtherRevenueAmt | 0 | 414866 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1970304 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 522512 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 965518 |
| IRS990/PYTotalExpensesAmt | 0 | 2727667 |
| IRS990/PYTotalRevenueAmt | 0 | 3250179 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 560302 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RevenueAmt | 0 | 2329748 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 13922055 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 14511575 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 2953091 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 4590767 |
| IRS990/ScheduleBRequiredInd | 0 | false |
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| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 341993 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1498987 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 61291 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 490989 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 552280 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 148729 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 148729 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 297769 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 148337 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 99278 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 3428 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | OUTSTANDING CHECKS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | MISCELLANEOUS ACCOUNTS PAYABLE |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | ACCRUED EXPENSES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | PAYROLL TAXES PAYABLE |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1367014 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 548812 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE MEMBERSHIP OF 1ST ED CREDIT UNION IS LIMITED TO EMPLOYEES AND STUDENTS 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 AND STUDENTS ATTENDING 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/SupplementalInformationDetail/ExplanationTxt | 2 | THE ORGANIZATION'S MEMBERS HAVE THE ABILITY TO ELECT MEMBERS OF THE GOVERNING BODY AT THE ORGANIZATION'S ANNUAL MEETING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE 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 OR SPECIAL MEETING CALLED BY THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE FORM 990 IS REVIEWED BY THE CEO AND THE ACCOUNTING MANAGER BEFORE BEING PASSED ON TO THE GOVERNING BOARD. THE GOVERNING BODY THEN REVIEWS THE FORM 990 BEFORE THE FORM IS FILED. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE CREDIT UNION'S BOARD MEMBERS ARE REQUIRED TO ABSTAIN FROM VOTING WHENEVER A CONFLICT OF INTEREST COULD ARISE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE ORGANIZATION'S TOP MANAGEMENT OFFICAL'S COMPENSATION IS DETERMINED USING A SURVEY OF INDUSTRY STANDARDS, GUIDED BY ASSET SIZE AND NUMBER OF FULL TIME EMPLOYEES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE EMPLOYEE'S SENIOR MANAGER DETERMINES COMPENSATION USING A SURVEY OF INDUSTRY STANDARDS AND THE GOVERNING BODY THEN APPROVES THE RECOMMENDED COMPENSATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST. THE ORGANIZATION'S FORM 990 IS ALSO AVAILABLE TO THE PUBLIC THROUGH WWW.GUIDESTAR.ORG. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990 - ORGANIZATION'S MISSION |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 6, PART VI, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PAGE 6, PART VI, LINE 15B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 126902996 |
| IRS990/TotalAssetsEOYAmt | 0 | 125344237 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 126902996 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 125344237 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 23 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2653695 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 111556561 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 109408282 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 111556561 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 109408282 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 15346435 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 15935955 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 2653695 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1903618 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 160437 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 884249 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2329748 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 3213997 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 126902996 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 125344237 |
| IRS990/TravelGrp/TotalAmt | 0 | 20632 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 1156 KENNEBEC DR |
| IRS990/USAddress/CityNm | 0 | CHAMBERSBURG |
| IRS990/USAddress/StateAbbreviationCd | 0 | PA |
| IRS990/USAddress/ZIPCd | 0 | 17201 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.1EDCU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2016-09-27 15:27:22Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | KELLY CHILDRESS |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO/PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 7172646506 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2016-05-05 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | 1ST ED CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | 1STE |
| ReturnHeader/Filer/EIN | 0 | 236274650 |
| ReturnHeader/Filer/PhoneNum | 0 | 7172646506 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 1156 KENNEBEC DRIVE |
| ReturnHeader/Filer/USAddress/CityNm | 0 | CHAMBERSBURG |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | PA |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 17201 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 520783935 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | SMITH ELLIOTT KEARNS & COMPANY LLC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 804 WAYNE AVE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | CHAMBERSBURG |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | PA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 172013810 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 7172633910 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2016-05-05 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | LUKE C MARTIN CPA |
| ReturnHeader/ReturnTs | 0 | 2016-05-11T09:58:31-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2015-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2015-12-31 |
| ReturnHeader/TaxYr | 0 | 2015 |
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Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.