Civic Intelligence

Access Credit Union

990 • Fiscal year 2015 • EIN 23-7237052

Jan 01, 2015 to Dec 31, 2015 • Filed on Feb 24, 2016

Organization ProfileWWW.NBACU.ORG

View Organization Page

23 Commerce CircleBristol, PA 19007

(215) 788-0411

Siviq Scores

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

Liabilities / Assets

24th percentile

0.84x

Higher debt load relative to assets than 24% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

43rd percentile

19.31x

Higher debt load relative to revenue than 43% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

2nd percentile

-26%

Higher net margin than 2% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

94th percentile

$171,671

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 9.2% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

30th percentile

0.7%

Faster asset growth than 30% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

18th percentile

-3.9%

Faster revenue growth than 18% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets24th percentile

Assets

Down

$42,541,069

Down $1,026,618 (-2.4%) from 2013

Net Assets

Down

$6,601,984

Down $428,575 (-6.1%) from 2013

Liabilities

Down

$35,939,085

Down $598,043 (-1.6%) from 2013

Revenue And Expenses
Liabilities / Revenue43rd percentileNet Margin2nd percentile

Revenue

Down

$1,861,261

Down $168,370 (-8.3%) from 2013

Expenses

Up

$2,337,053

Up $357,639 (+18%) from 2013

Net Income

Down

-$475,792

Down $526,009 (-1047%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth30th 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

2015

Assets$42,541,069
Liabilities$35,939,085
Net Assets$6,601,984
Open 2015 Filing

Operations Trend

Revenue Growth18th percentile

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

2015

Revenue$1,861,261
Expenses$2,337,053
Net Income-$475,792
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Feb 24, 2016
Return Version
2015v2.1
Gross Receipts
$1,861,261
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$28,664,032$28,927,918▲ $263,886
Savings and Temporary Cash Investments$10,924,766$10,978,897▲ $54,131
Rtn Earn Endowment Incm Other Fnds$7,077,776$6,601,984▼ $475,792
Land, Buildings, and Equipment, Net$1,597,914$1,328,476▼ $269,438
Prepaid Expenses and Deferred Charges$716,023$714,106▼ $1,917
Cash and Non-Interest-Bearing Accounts$355,546$591,672▲ $236,126
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$42,258,281$42,541,069▲ $282,788
Liabilities
Other Liabilities$35,054,305$35,774,543▲ $720,238
Accounts Payable and Accrued Expenses$126,200$164,542▲ $38,342
Total Liabilities$35,180,505$35,939,085▲ $758,580
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,077,776$6,601,984▼ $475,792
Total Liabilities and Net Assets / Fund Balance$42,258,281$42,541,069▲ $282,788

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$634,553$229,624-
Land$692,273--
Equipment$1,650$608,622-
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Maxine KunyczkaCEOFT$146,184$25,487$171,671
Kevin BackstromCOOFT$97,074$12,952$110,026
Stephen CordiscoCFOFT$93,642$14,232$107,874
Paul NolanDirector-$13,000$6,760$19,760

Board Members and Trustees

NameTitle
Bob SzczepkowskiDirector
Charles ShipleyDirector
Peter FaightDirector
William MorrisDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,682,570
Investment Income
$164,291
Other Revenue
$14,400
Change in Net Assets
$-475,792

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,861,261
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$1,861,261
Total Revenue per Form 990
$1,861,261
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,509,194
Salaries, Compensation, and Employee Benefits$827,859
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---$402,570
Other Salaries and Wages---$332,808
Information Technology---$175,137
Other Expenses---$173,572
Interest---$128,454
Occupancy---$104,649
Office Expenses---$61,079
Payroll Taxes---$59,572
Depreciation Depletion---$56,164
Fees for Services Accounting---$47,741
Other Employee Benefits---$28,744
Insurance---$27,327
Fees for Services Legal---$9,995
Pension Plan Contributions---$4,165
Advertising---$3,677
Conferences and Meetings---$510
Total Functional Expenses$0$0$0$2,337,053

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,337,053
Total Expenses per Audited Statements$2,337,053
Total Expenses per Form 990$2,337,053
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$35,774,543
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 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

Filer Name
Nba Credit Union
EIN
23-7237052
Phone
2157880411
Address
23 COMMERCE CIRCLE, BRISTOL, PA 19007

Signing Officer

Name
Stephen Cordisco
Title
CFO
Phone
2157880411
Signed
2016-02-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Maxine Kunyczka
Formed
1972
Legal Domicile
Pa
Voting Board Members
8
Independent Board Members
4
Employees
14
Volunteers
0

Preparer

Firm
ConnollyGrady&Cha PC
Address
1608 Walnut Street Suite 1703, Philadelphia, PA 19103
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.”

Raw XML AppendixShowing 400 of 474 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/BaseCompensationFilingOrgAmt60
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt70
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount60
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount70
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt40
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt60
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt70
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt70
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt60
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt70
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt05847
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt13883
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt60
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt70
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt60
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt70
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt019640
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt19069
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt214232
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt36760
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt60
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt70
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt60
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt70
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt30
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt70
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MAXINE KUNYCZKA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1KEVIN BACKSTROM
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2STEPHEN CORDISCO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3PAUL NOLAN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4PETER FAIGHT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm5BOB SZCZEPKOWSKI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm6WILLIAM MORRIS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm7CHARLES SHIPLEY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1COO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt5DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt6DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt7DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0171671
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1110026
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2107874
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt319760
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt30
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ANYONE WITH AN ACCOUNT AT THE CREDIT UNION IS A MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EACH CREDIT UNION MEMBER HAS A VOTE TO ELECT ANYONE TO THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE INFORMATION IS PROVIDED FOR INDIVIDUAL REVIEW BEFORE FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE COMPENSATION COMMITTEE OF THE BOARD GATHERS COMPARABLE INFORMATION ANNUALLY TO DETERMINE THE COMPENSATION OF THE CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION'S FINANCIAL STATEMENTS ARE THE ONLY DOCUMENTS AVAILABLE ON LINE AT THE NCUA'S WEB SITE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ORGANIZATION DID NOT MAKE ANY CHANGES TO ITS OVERSIGHT PROCESS OR SELECTION PROCESS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, line 11

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$42,541,069
Liabilities
$35,939,085
Net assets
$6,601,984
Revenue
$1,861,261
Expenses
$2,337,053
Net income
-$475,792
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
2015Detailed filing. Detailed filing data is available for this year.$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