Civic Intelligence

Access Credit Union

990 • Fiscal year 2013 • EIN 23-7237052

Jan 01, 2013 to Dec 31, 2013 • Filed on May 14, 2014

Organization ProfileWWW.NBACU.ORG

View Organization Page

23 Commerce Circle19007

(215) 788-0411

Siviq Scores

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

Liabilities / Assets

19th percentile

0.84x

Higher debt load relative to assets than 19% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

39th percentile

18.00x

Higher debt load relative to revenue than 39% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

33rd percentile

2.5%

Higher net margin than 33% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

95th percentile

$167,954

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 8.3% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

45th percentile

1.4%

Faster asset growth than 45% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

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

Source year 2013

Balance Sheet
Liabilities / Assets19th percentile

Assets

Up

$43,567,687

Up $604,382 (+1.4%) from 2012

Net Assets

Up

$7,030,559

Up $50,217 (+0.7%) from 2012

Liabilities

Up

$36,537,128

Up $554,165 (+1.5%) from 2012

Revenue And Expenses
Liabilities / Revenue39th percentileNet Margin33rd percentile

Revenue

$2,029,631

No earlier filing loaded for comparison.

Expenses

Up

$1,979,414

Up $52,304 (+2.7%) from 2012

Net Income

$50,217

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth45th percentile

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

$80M$60M$40M$20M$0Assets 2012: $42,963,305Liabilities 2012: $35,982,963Net Assets 2012: $6,980,3422012Assets 2013: $43,567,687Liabilities 2013: $36,537,128Net Assets 2013: $7,030,5592013Assets 2015: $42,541,069Liabilities 2015: $35,939,085Net Assets 2015: $6,601,9842015Assets 2016: $41,815,948Liabilities 2016: $35,439,563Net Assets 2016: $6,376,3852016Assets 2020: $53,550,056Liabilities 2020: $46,826,286Net Assets 2020: $6,723,7702020Assets 2021: $55,138,901Liabilities 2021: $48,308,797Net Assets 2021: $6,830,1042021Assets 2022: $54,132,845Liabilities 2022: $47,328,362Net Assets 2022: $6,804,4832022Assets 2025: $67,529,646Liabilities 2025: $59,380,286Net Assets 2025: $8,149,3602025

Highlighted filing

2013

Assets$43,567,687
Liabilities$36,537,128
Net Assets$7,030,559
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$4.0M$2.0M$0-$2.0MExpenses 2012: $1,927,1102012Revenue 2013: $2,029,631Expenses 2013: $1,979,414Net Income 2013: $50,2172013Revenue 2015: $1,861,261Expenses 2015: $2,337,053Net Income 2015: -$475,7922015Revenue 2016: $1,857,264Expenses 2016: $2,082,917Net Income 2016: -$225,6532016Revenue 2020: $2,041,019Expenses 2020: $1,822,413Net Income 2020: $218,6062020Revenue 2021: $2,045,987Expenses 2021: $1,891,519Net Income 2021: $154,4682021Revenue 2022: $2,181,259Expenses 2022: $1,915,078Net Income 2022: $266,1812022Revenue 2025: $3,610,495Expenses 2025: $3,041,632Net Income 2025: $568,8632025

Highlighted filing

2013

Revenue$2,029,631
Expenses$1,979,414
Net Income$50,217
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 14, 2014
Return Version
2013v3.0
Gross Receipts
$5,029,631
Mission and Program Overview

Mission

To provide financial services to members at a reduced or no cost

To provide financial service to members at a reduced and or no cost

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$22,521,025$28,110,599▲ $5,589,574
Savings and Temporary Cash Investments$18,191,621$13,149,016▼ $5,042,605
Rtn Earn Endowment Incm Other Fnds$6,980,342$7,030,559▲ $50,217
Land, Buildings, and Equipment, Net$1,669,851$1,623,525▼ $46,326
Prepaid Expenses and Deferred Charges$580,808$684,547▲ $103,739
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$42,963,305$43,567,687▲ $604,382
Liabilities
Other Liabilities$35,675,733$35,610,848▼ $64,885
Accounts Payable and Accrued Expenses$307,230$926,280▲ $619,050
Total Liabilities$35,982,963$36,537,128▲ $554,165
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,980,342$7,030,559▲ $50,217
Total Liabilities and Net Assets / Fund Balance$42,963,305$43,567,687▲ $604,382

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$668,058$196,119-
Land$692,273--
Equipment$263,194$930,800-
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Maxine KunyczkaCEOFT$146,630$21,324$167,954
Stephen CordiscoCFOFT$100,885$17,580$118,465
Kevin BackstromCOOFT$104,590$11,104$115,694
Paul NolanDirector-$15,500$5,933$21,433
Charles ShipleyChairman-$2,000-$2,000
William MorrisDirector-$1,160-$2,000
Bog SzczepkowskiDirector-$1,000-$1,160
Peter FaightDirector---$1,000

Board Members and Trustees

NameTitle
Margaret MitchellDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,702,657
Investment Income
$312,574
Other Revenue
$14,400
Change in Net Assets
$50,217

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,029,631
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$2,029,631
Total Revenue per Form 990
$2,029,631
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,172,535
Salaries, Compensation, and Employee Benefits$806,879
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$427,706
Other Salaries and Wages---$283,393
Interest---$176,919
Information Technology---$140,377
Depreciation Depletion---$97,115
Occupancy---$76,848
Office Expenses---$75,244
Payroll Taxes---$55,426
Other Employee Benefits---$34,181
Other Expenses---$28,007
Fees for Services Accounting---$24,949
Advertising---$17,126
Insurance---$10,483
Pension Plan Contributions---$6,173
Conferences and Meetings---$4,995
Fees for Services Legal---$3,000
Total Functional Expenses$0$0$0$1,979,414

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,979,414
Total Expenses per Audited Statements$1,979,414
Total Expenses per Form 990$1,979,414
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$35,610,848
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Mother/daughter relationship.”

Form 990, Part VI, Section A, Line 6

“Anyone with an account at the credit union is a member.”

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

“Each credit union member has a vote to elect anyone to the governing body.”

Form 990, Part VI, Section B, Line 11

“The information is provided for individual review before filing”

Form 990, Part VI, Section B, Line 15

“The compensation committee of the board gathers comparable information annually to determine the compensation of the ceo.”

Form 990, Part VI, Section C, Line 19

“The credit union's financial statements are the only documents available on line at the ncua's web site.”

Filing and Contact Details

Filer

EIN
23-7237052
Phone
2157880411

Signing Officer

Name
Stephen Cordisco
Title
CFO
Phone
2157880411
Signed
2014-05-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Maxine Kunyczka
Formed
1972
Legal Domicile
Pa
Voting Board Members
9
Independent Board Members
5
Employees
17
Volunteers
0

Preparer

Preparer
Thomas Caso
Phone
2157354580
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 2C:

“The organization did not make any changes to its oversight process or selection process.”

FORM 990, PART XI, LINE 5:

“Net unrealized gain on investments - 0”

Raw XML AppendixShowing 400 of 508 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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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MAXINE KUNYCZKA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1KEVIN BACKSTROM
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2STEPHEN CORDISCO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3PAUL NOLAN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4PETER FAIGHT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm5BOG SZCZEPKOWSKI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm6WILLIAM MORRIS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm7CHARLES SHIPLEY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm8MARGARET MITCHELL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1COO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4DIRECTOR

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$43,567,687
Liabilities
$36,537,128
Net assets
$7,030,559
Revenue
$2,029,631
Expenses
$1,979,414
Net income
$50,217
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$67.5$59.4$8.15$3.61$3.04$0.57
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$54.1$47.3$6.80$2.18$1.92$0.27
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$55.1$48.3$6.83$2.05$1.89$0.15
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$53.6$46.8$6.72$2.04$1.82$0.22
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.8$35.4$6.38$1.86$2.08$0.23
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$42.5$35.9$6.60$1.86$2.34$0.48
2013Detailed filing. Detailed filing data is available for this year.$43.6$36.5$7.03$2.03$1.98$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.0$36.0$6.98$1.93