Civic Intelligence

Access Credit Union

990 • Fiscal year 2020 • EIN 23-7237052

Jan 01, 2020 to Dec 31, 2020 • Filed on Feb 22, 2021

Organization Profileaccessmycu.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

33rd percentile

0.87x

Higher debt load relative to assets than 33% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Liabilities / Revenue

67th percentile

22.94x

Higher debt load relative to revenue than 67% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Net Margin

56th percentile

11%

Higher net margin than 56% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Top Officer Pay

59th percentile

$152,755

Higher top officer pay than 59% of similar nonprofits.

Top officer pay equals 7.5% of source-year revenue.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Asset Growth

Score unavailable

No value available

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

Source year 2020

Revenue Growth

Score unavailable

No value available

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

Source year 2020

Balance Sheet
Liabilities / Assets33rd percentile

Assets

Up

$53,550,056

Up $11,734,108 (+28%) from 2016

Net Assets

Up

$6,723,770

Up $347,385 (+5.4%) from 2016

Liabilities

Up

$46,826,286

Up $11,386,723 (+32%) from 2016

Revenue And Expenses
Liabilities / Revenue67th percentileNet Margin56th percentile

Revenue

Up

$2,041,019

Up $183,755 (+9.9%) from 2016

Expenses

Down

$1,822,413

Down $260,504 (-13%) from 2016

Net Income

Up

$218,606

Up $444,259 (+197%) from 2016

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

2020

Assets$53,550,056
Liabilities$46,826,286
Net Assets$6,723,770
Open 2020 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

2020

Revenue$2,041,019
Expenses$1,822,413
Net Income$218,606
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Feb 22, 2021
Return Version
2020v4.0
Gross Receipts
$2,041,019
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$29,003,911$33,222,840▲ $4,218,929
Savings and Temporary Cash Investments$12,531,302$18,228,264▲ $5,696,962
Rtn Earn Endowment Incm Other Fnds$6,497,756$6,723,770▲ $226,014
Land, Buildings, and Equipment, Net$1,396,554$1,373,240▼ $23,314
Cash and Non-Interest-Bearing Accounts$419,426$397,850▼ $21,576
Prepaid Expenses and Deferred Charges$794,665$327,862▼ $466,803
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$44,145,858$53,550,056▲ $9,404,198
Liabilities
Other Liabilities$37,614,496$46,764,383▲ $9,149,887
Accounts Payable and Accrued Expenses$33,606$61,903▲ $28,297
Total Liabilities$37,648,102$46,826,286▲ $9,178,184
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,497,756$6,723,770▲ $226,014
Total Liabilities and Net Assets / Fund Balance$44,145,858$53,550,056▲ $9,404,198

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$581,353$325,684$0
Other Land Buildings$0$0$0
Land$692,273-$0
Equipment$99,614$675,896$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay59th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Stephen CordiscoCEOFT$125,000$27,755$152,755
Kevin BackstromCOOFT$116,000$18,299$134,299
Maxine KunyczkaChairman of the BoardFT$4,259$10,311$14,570

Board Members and Trustees

NameTitle
Anthony PintoDirector
Frank MarinoDirector
Howard SolomonDirector
Pete FaightDirector
Scott HarrisDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,844,444
Investment Income
$196,575
Other Revenue
$0
Change in Net Assets
$218,606

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,041,019
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$2,041,019
Total Revenue per Form 990
$2,041,019
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,086,718
Salaries, Compensation, and Employee Benefits$735,695
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$351,037
Current Officers, Directors, Trustees, and Key Employees---$301,624
Information Technology---$198,627
Interest---$159,282
Occupancy---$152,719
Office Expenses---$73,363
Other Expenses---$65,805
Payroll Taxes---$47,608
Depreciation Depletion---$42,594
Advertising---$39,903
Fees for Services Accounting---$37,372
Other Employee Benefits---$29,261
Insurance---$23,310
Pension Plan Contributions---$6,165
Fees for Services Legal---$794
Total Functional Expenses$0$0$0$1,822,413

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,822,413
Total Expenses per Audited Statements$1,822,413
Total Expenses per Form 990$1,822,413
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$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
Total Shares$46,764,383
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
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”

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 12C

“Insider accounts are reviewed daily and reported to the board monthly.”

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 only available on line at the NCUA's website.”

Filing and Contact Details

Filer

Filer Name
Access Credit Union
EIN
23-7237052
Phone
2157880411
Address
23 Commerce Circle, Bristol, PA 19007

Signing Officer

Name
Stephen Cordisco
Title
CEO
Phone
2157880411
Signed
2021-02-22

Organization Details

Principal Officer
Stephen Cordisco
Formed
1972
Legal Domicile
Pa
Voting Board Members
8
Independent Board Members
5
Employees
12
Volunteers
0
Supplemental Narrative

Financial Statement Notes

Schedule D, Part X, Line 2

“Shares - 46764383”

Raw XML AppendixShowing 400 of 466 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/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0581353
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0325684
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0907037
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt099614
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0675896
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0775510
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt01822413
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0692273
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0692273
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt046764383
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Total Shares
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt02041019
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Shares - 46764383
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part X, Line 2
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01373240
IRS990ScheduleD/TotalExpensesPerForm990Amt01822413
IRS990ScheduleD/TotalLiabilityAmt046764383
IRS990ScheduleD/TotalRevenuePerForm990Amt02041019
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02041019
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01822413
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt04259
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1116000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2125000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt0157950
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt1113406
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt2103216
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt14640
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt24988
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt010311
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt113659
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt222767
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Maxine Kunyczka
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1Kevin Backstrom
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2Stephen Cordisco
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0Chairman of the Board
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1COO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt014570
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1134299
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2152755
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt20
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Anyone with an account at the Credit Union
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/ExplanationTxt3Insider accounts are reviewed daily and reported to the board monthly.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The compensation committee of the Board gathers comparable information annually to determine the compensation of the CEO
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The Credit Union's financial statements are only available on line at the NCUA's website.
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 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt044145858
IRS990/TotalAssetsEOYAmt053550056
IRS990/TotalAssetsGrp/BOYAmt044145858

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$53,550,056
Liabilities
$46,826,286
Net assets
$6,723,770
Revenue
$2,041,019
Expenses
$1,822,413
Net income
$218,606
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
2020Detailed filing. Detailed filing data is available for this year.$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