Civic Intelligence

Access Credit Union

990 • Fiscal year 2016 • EIN 23-7237052

Jan 01, 2016 to Dec 31, 2016 • Filed on May 04, 2017

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

26th percentile

0.85x

Higher debt load relative to assets than 26% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

42nd percentile

19.08x

Higher debt load relative to revenue than 42% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

4th percentile

-12%

Higher net margin than 4% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

97th percentile

$180,403

Higher top officer pay than 97% of similar nonprofits.

Top officer pay equals 9.7% of source-year revenue.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Asset Growth

10th percentile

-1.7%

Faster asset growth than 10% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

27th percentile

-0.2%

Faster revenue growth than 27% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets26th percentile

Assets

Down

$41,815,948

Down $725,121 (-1.7%) from 2015

Net Assets

Down

$6,376,385

Down $225,599 (-3.4%) from 2015

Liabilities

Down

$35,439,563

Down $499,522 (-1.4%) from 2015

Revenue And Expenses
Liabilities / Revenue42nd percentileNet Margin4th percentile

Revenue

Down

$1,857,264

Down $3,997 (-0.2%) from 2015

Expenses

Down

$2,082,917

Down $254,136 (-11%) from 2015

Net Income

Up

-$225,653

Up $250,139 (+53%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth10th 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

2016

Assets$41,815,948
Liabilities$35,439,563
Net Assets$6,376,385
Open 2016 Filing

Operations Trend

Revenue Growth27th 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

2016

Revenue$1,857,264
Expenses$2,082,917
Net Income-$225,653
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 4, 2017
Return Version
2016v3.0
Gross Receipts
$1,857,264
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$28,927,918$25,790,687▼ $3,137,231
Savings and Temporary Cash Investments$10,978,897$13,478,078▲ $2,499,181
Rtn Earn Endowment Incm Other Fnds$6,601,984$6,376,385▼ $225,599
Land, Buildings, and Equipment, Net$1,328,476$1,327,026▼ $1,450
Prepaid Expenses and Deferred Charges$714,106$713,679▼ $427
Cash and Non-Interest-Bearing Accounts$591,672$506,478▼ $85,194
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$42,541,069$41,815,948▼ $725,121
Liabilities
Other Liabilities$35,774,543$35,382,565▼ $391,978
Accounts Payable and Accrued Expenses$164,542$56,998▼ $107,544
Total Liabilities$35,939,085$35,439,563▼ $499,522
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,601,984$6,376,385▼ $225,599
Total Liabilities and Net Assets / Fund Balance$42,541,069$41,815,948▼ $725,121

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$619,292$244,885-
Land$692,273--
Equipment$15,461$611,908-
Compensation and Service Providers
Top Officer Pay97th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Maxine KunyczkaCEOFT$158,401$22,002$180,403
Kevin BackstromCOOFT$111,490$14,257$125,747
Stephen CordiscoCFOFT$106,343$16,255$122,598
Paul NolanDirector-$13,000-$13,000

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,689,436
Investment Income
$153,428
Other Revenue
$14,400
Change in Net Assets
$-225,653

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,857,264
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$1,857,264
Total Revenue per Form 990
$1,857,264
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,126,891
Salaries, Compensation, and Employee Benefits$956,026
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---$441,748
Other Salaries and Wages---$419,270
Information Technology---$252,349
Interest---$126,639
Occupancy---$99,619
Office Expenses---$90,367
Payroll Taxes---$61,523
Fees for Services Accounting---$35,605
Other Employee Benefits---$30,707
Insurance---$30,372
Fees for Services Legal---$24,511
Depreciation Depletion---$18,673
Advertising---$6,951
Other Expenses---$5,000
Conferences and Meetings---$4,019
Pension Plan Contributions---$2,778
Total Functional Expenses$0$0$0$2,082,917

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,082,917
Total Expenses per Audited Statements$2,082,917
Total Expenses per Form 990$2,082,917
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$35,382,565
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 11B

“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
2017-05-04
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
18
Volunteers
0

Preparer

Firm
Connolly Grady and Cha Pc
Address
1608 WALNUT STREET SUITE 1703, PHILADELPHIA, PA 19103
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 502 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/PersonNm5BOB SZCZEPKOWSKI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm6WILLIAM MORRIS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm7CHARLES SHIPLEY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm8FRANK MARINO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1COO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt5DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt6DIRECTOR

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$41,815,948
Liabilities
$35,439,563
Net assets
$6,376,385
Revenue
$1,857,264
Expenses
$2,082,917
Net income
-$225,653
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
2016Detailed filing. Detailed filing data is available for this year.$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