Civic Intelligence

Bucks County Employees Credit Union

EIN 23-6429761 • 501(c)14 • Doylestown, PA

Profile

To pool resources and provide savings and loan opportunities to our members.

55 E Court StreetDoylestown, PA 18901
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

2nd percentile

0.00x

Higher debt load relative to assets than 2% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2021

Liabilities / Revenue

6th percentile

0.12x

Higher debt load relative to revenue than 6% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2021

Net Margin

92nd percentile

29%

Higher net margin than 92% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2021

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

82nd percentile

4.4%

Faster asset growth than 82% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2020 to 2021

Revenue Growth

9th percentile

-9.9%

Faster revenue growth than 9% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2020 to 2021

Assets

Down

$38,553,397

Down $1,495,311 (-3.7%) from 2023

Liabilities

Down

$217,800

Down $15,784 (-6.8%) from 2023

Net Assets

Down

$38,335,597

Down $1,479,527 (-3.7%) from 2023

Revenue

Up

$1,168,003

Up $70,532 (+6.4%) from 2023

Expenses

Up

$1,064,045

Up $28,085 (+2.7%) from 2023

Net Income

Up

$103,958

Up $42,447 (+69%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$60M$40M$20M$0Assets 2010: $23,577,879Liabilities 2010: $143,028Net Assets 2010: $23,434,8512010Assets 2011: $26,113,972Liabilities 2011: $141,964Net Assets 2011: $25,972,0082011Assets 2012: $28,152,271Liabilities 2012: $134,799Net Assets 2012: $28,017,4722012Assets 2013: $30,221,510Liabilities 2013: $143,459Net Assets 2013: $30,078,0512013Assets 2014: $32,645,211Liabilities 2014: $154,855Net Assets 2014: $32,490,3562014Assets 2015: $34,759,310Liabilities 2015: $182,389Net Assets 2015: $34,576,9212015Assets 2016: $36,729,847Liabilities 2016: $162,927Net Assets 2016: $36,566,9202016Assets 2017: $39,059,208Liabilities 2017: $166,725Net Assets 2017: $38,892,4832017Assets 2018: $39,835,348Liabilities 2018: $165,213Net Assets 2018: $39,670,1352018Assets 2019: $40,221,135Liabilities 2019: $189,525Net Assets 2019: $40,031,6102019Assets 2020: $43,500,238Liabilities 2020: $154,761Net Assets 2020: $43,345,4772020Assets 2021: $45,426,450Liabilities 2021: $110,107Net Assets 2021: $45,316,3432021Assets 2022: $45,260,185Liabilities 2022: $211,664Net Assets 2022: $45,048,5212022Assets 2023: $40,048,708Liabilities 2023: $233,584Net Assets 2023: $39,815,1242023Assets 2024: $38,553,397Liabilities 2024: $217,800Net Assets 2024: $38,335,5972024

Highlighted filing

2024

Assets$38,553,397
Liabilities$217,800
Net Assets$38,335,597

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0Expenses 2010: $800,9142010Expenses 2011: $707,3612011Expenses 2012: $674,1342012Revenue 2013: $879,793Expenses 2013: $707,391Net Income 2013: $172,4022013Revenue 2014: $872,562Expenses 2014: $717,694Net Income 2014: $154,8682014Revenue 2015: $859,016Expenses 2015: $767,636Net Income 2015: $91,3802015Revenue 2016: $865,596Expenses 2016: $763,435Net Income 2016: $102,1612016Revenue 2017: $882,123Expenses 2017: $757,909Net Income 2017: $124,2142017Revenue 2018: $992,647Expenses 2018: $804,002Net Income 2018: $188,6452018Revenue 2019: $1,059,028Expenses 2019: $869,030Net Income 2019: $189,9982019Revenue 2020: $1,037,655Expenses 2020: $804,834Net Income 2020: $232,8212020Revenue 2021: $934,500Expenses 2021: $659,710Net Income 2021: $274,7902021Revenue 2022: $917,894Expenses 2022: $772,653Net Income 2022: $145,2412022Revenue 2023: $1,097,471Expenses 2023: $1,035,960Net Income 2023: $61,5112023Revenue 2024: $1,168,003Expenses 2024: $1,064,045Net Income 2024: $103,9582024

Highlighted filing

2024

Revenue$1,168,003
Expenses$1,064,045
Net Income$103,958

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$38.6$0.22$38.3$1.17$1.06$0.10
2023Detailed filing. Detailed filing data is available for this year.$40.0$0.23$39.8$1.10$1.04$0.06
2022Detailed filing. Detailed filing data is available for this year.$45.3$0.21$45.0$0.92$0.77$0.15
2021Detailed filing. Detailed filing data is available for this year.$45.4$0.11$45.3$0.93$0.66$0.27
2020Detailed filing. Detailed filing data is available for this year.$43.5$0.15$43.3$1.04$0.80$0.23
2019Detailed filing. Detailed filing data is available for this year.$40.2$0.19$40.0$1.06$0.87$0.19
2018Detailed filing. Detailed filing data is available for this year.$39.8$0.17$39.7$0.99$0.80$0.19
2017Detailed filing. Detailed filing data is available for this year.$39.1$0.17$38.9$0.88$0.76$0.12
2016Detailed filing. Detailed filing data is available for this year.$36.7$0.16$36.6$0.87$0.76$0.10
2015Detailed filing. Detailed filing data is available for this year.$34.8$0.18$34.6$0.86$0.77$0.09
2014Detailed filing. Detailed filing data is available for this year.$32.6$0.15$32.5$0.87$0.72$0.15
2013Detailed filing. Detailed filing data is available for this year.$30.2$0.14$30.1$0.88$0.71$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.2$0.13$28.0$0.67
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.1$0.14$26.0$0.71
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.6$0.14$23.4$0.80
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 1, 2025
Return Version
2024v5.0
Gross Receipts
$1,168,003
Mission and Program Overview

Mission

To provide savings and loan opportunities to our members

To pool resources and provide savings and loan opportunities to our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$36,195,051$34,334,582▼ $1,860,469
Cap Stk Tr Prin Current Funds$35,274,026$33,690,541▼ $1,583,485
Rtn Earn Endowment Incm Other Fnds$4,541,098$4,645,056▲ $103,958
Other Notes and Loans Receivable, Net$2,315,950$2,315,957▲ $7
Savings and Temporary Cash Investments$721,730$956,962▲ $235,232
Cash and Non-Interest-Bearing Accounts$783,336$921,206▲ $137,870
Prepaid Expenses and Deferred Charges$31,755$24,320▼ $7,435
Receivables From Officers Etc$886$370▼ $516
Receivable From Disqualified Prsn$0$0→ $0
Land, Buildings, and Equipment, Net$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$40,048,708$38,553,397▼ $1,495,311
Liabilities
Accounts Payable and Accrued Expenses$233,584$217,800▼ $15,784
Total Liabilities$233,584$217,800▼ $15,784
Net Assets / Fund Balance
Total Net Assets Fund Balance$39,815,124$38,335,597▼ $1,479,527
Total Liabilities and Net Assets / Fund Balance$40,048,708$38,553,397▼ $1,495,311

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$35,424--
Compensation and Service Providers

Employees

NameTitleBaseTotal
Michael FinkelstonTreasurer$3,600$3,600

Board Members and Trustees

NameTitle
Katherine MeyersonPresident
Nicholas CaramenicoVice President
Glenn HaasBoard Member
Joyce RussellBoard Member
Michael HopkinsBoard Member
Jeremy DeppelerSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$297,842
Investment Income
$868,229
Other Revenue
$1,932
Change in Net Assets
$103,958
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$934,055
Salaries, Compensation, and Employee Benefits$129,990
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$847,901
Other Salaries and Wages---$116,624
Payments to Affiliates---$17,447
Fees for Services Accounting---$12,786
Payroll Taxes---$9,766
Insurance---$9,307
Information Technology---$6,407
Office Expenses---$4,738
Current Officers, Directors, Trustees, and Key Employees---$3,600
Other Expenses---$2,406
Total Functional Expenses$0$0$0$1,064,045
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$886$370▼ $516
Receivables from Disqualified Persons$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

Treasurer Michael Finkelston on the Board of Directors has a family relationship with the Credit Union Manager, Eric Finkelston, who is an employee of the Credit Union.

Form 990, Part VI, Section A, Line 6

A credit union has members.

Form 990, Part VI, Section A, Line 7A

The general membership votes to elect the Board of Directors and the Committee members.

Form 990, Part VI, Section A, Line 7B

Some decisions are made by the general membership, but most decisions are made by the Board of Directors.

Form 990, Part VI, Section B, Line 11B

Form 990 is available at any time for anyone who requests it.

Form 990, Part VI, Section C, Line 19

Governing documents, including policies and financial statements are available to anyone who requests them.

Filing and Contact Details

Filer

Filer Name
Bucks County Employees Credit Union
EIN
23-6429761
Phone
2153408093
Address
55 E Court Street, Doylestown, PA 18901

Signing Officer

Name
Eric Finkelston
Title
Manager
Phone
2153408093
Signed
2025-05-01

Organization Details

Principal Officer
Eric Finkelston
Formed
1966
Legal Domicile
Pa
Voting Board Members
7
Independent Board Members
6
Employees
4
Volunteers
14
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

Members' share accounts have collectively decreased in dollar value by this amount.

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/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0297842
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0297842
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd01
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0820398
IRS990/PYOtherExpensesAmt0921100
IRS990/PYOtherRevenueAmt01551
IRS990/PYProgramServiceRevenueAmt0275522
IRS990/PYRevenuesLessExpensesAmt061511
IRS990/PYSalariesCompEmpBnftPaidAmt0114860
IRS990/PYTotalExpensesAmt01035960
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01097471
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0886
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0370
IRS990/ReconcilationRevenueExpnssAmt0103958
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd01
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04541098
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04645056
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0721730
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0956962
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt033957000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1342158
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt235424
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Certificates of Deposit
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1NCUA Insurance Deposit
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2Accrued Interest
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2F
IRS990ScheduleD/TotalBookValueProgramRltdAmt034334582
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0370
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Vacation Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt01500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Michael Hopkins
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Board of Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/TotalBalanceDueAmt0370
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Treasurer Michael Finkelston on the Board of Directors has a family relationship with the Credit Union Manager, Eric Finkelston, who is an employee of the Credit Union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A credit union has members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The general membership votes to elect the Board of Directors and the Committee members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Some decisions are made by the general membership, but most decisions are made by the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Form 990 is available at any time for anyone who requests it.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Governing documents, including policies and financial statements are available to anyone who requests them.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Members' share accounts have collectively decreased in dollar value by this amount.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0PA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt040048708
IRS990/TotalAssetsEOYAmt038553397
IRS990/TotalAssetsGrp/BOYAmt040048708
IRS990/TotalAssetsGrp/EOYAmt038553397
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01064045
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0233584
IRS990/TotalLiabilitiesEOYAmt0217800
IRS990/TotalLiabilitiesGrp/BOYAmt0233584
IRS990/TotalLiabilitiesGrp/EOYAmt0217800
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt039815124
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt038335597
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0297842
IRS990/TotalReportableCompFromOrgAmt03600
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01168003
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01168003
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt040048708
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt038553397
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01615 Howarth Drive
IRS990/USAddress/AddressLine2Txt0PO Box 591
IRS990/USAddress/CityNm0Trumbauersville
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd018970
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Eric Finkelston
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum02153408093
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BUCKS COUNTY EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BUCK
ReturnHeader/Filer/EIN0236429761
ReturnHeader/Filer/PhoneNum02153408093
ReturnHeader/Filer/USAddress/AddressLine1Txt055 E Court Street
ReturnHeader/Filer/USAddress/CityNm0Doylestown
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd018901
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02025-05-01T12:53:45-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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