Civic Intelligence

Access Credit Union

990 • Fiscal year 2021 • EIN 23-7237052

Jan 01, 2021 to Dec 31, 2021 • Filed on Feb 28, 2022

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

32nd percentile

0.88x

Higher debt load relative to assets than 32% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Liabilities / Revenue

56th percentile

23.61x

Higher debt load relative to revenue than 56% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Net Margin

28th percentile

7.5%

Higher net margin than 28% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Top Officer Pay

43rd percentile

$132,500

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 6.5% of source-year revenue.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Asset Growth

12th percentile

3.0%

Faster asset growth than 12% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2020 to 2021

Revenue Growth

51st percentile

0.2%

Faster revenue growth than 51% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Up

$55,138,901

Up $1,588,845 (+3.0%) from 2020

Net Assets

Up

$6,830,104

Up $106,334 (+1.6%) from 2020

Liabilities

Up

$48,308,797

Up $1,482,511 (+3.2%) from 2020

Revenue And Expenses
Liabilities / Revenue56th percentileNet Margin28th percentile

Revenue

Up

$2,045,987

Up $4,968 (+0.2%) from 2020

Expenses

Up

$1,891,519

Up $69,106 (+3.8%) from 2020

Net Income

Down

$154,468

Down $64,138 (-29%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth12th 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

2021

Assets$55,138,901
Liabilities$48,308,797
Net Assets$6,830,104
Open 2021 Filing

Operations Trend

Revenue Growth51st 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

2021

Revenue$2,045,987
Expenses$1,891,519
Net Income$154,468
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Feb 28, 2022
Return Version
2021v4.1
Gross Receipts
$2,045,987
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 or no cost

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$33,222,840$34,464,907▲ $1,242,067
Savings and Temporary Cash Investments$18,228,264$18,530,405▲ $302,141
Rtn Earn Endowment Incm Other Fnds$6,723,770$6,830,104▲ $106,334
Land, Buildings, and Equipment, Net$1,373,240$1,332,850▼ $40,390
Cash and Non-Interest-Bearing Accounts$397,850$489,476▲ $91,626
Prepaid Expenses and Deferred Charges$327,862$321,263▼ $6,599
Total Assets$53,550,056$55,138,901▲ $1,588,845
Liabilities
Other Liabilities$46,764,383$48,269,769▲ $1,505,386
Accounts Payable and Accrued Expenses$61,903$39,028▼ $22,875
Total Liabilities$46,826,286$48,308,797▲ $1,482,511
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,723,770$6,830,104▲ $106,334
Total Liabilities and Net Assets / Fund Balance$53,550,056$55,138,901▲ $1,588,845

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$559,579$347,458-
Land$692,273--
Equipment$80,998$695,979-
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Stephen D CordiscoCEOFT$132,500$132,500
Keviv BackstromCOOFT$123,320$123,320

Board Members and Trustees

NameTitle
Maxine KunyczkaChairman of the Board
Anthony PintoDirector
Frank MarinoDirector
Howard SolomonDirector
Pete FaightDirector
Scott HarrisDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,942,063
Investment Income
$103,924
Other Revenue
$0
Change in Net Assets
$154,468

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,045,987
Total Revenue per Audited Statements
$2,045,987
Total Revenue per Form 990
$2,045,987
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,130,479
Salaries, Compensation, and Employee Benefits$761,040
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$334,822
Current Officers, Directors, Trustees, and Key Employees---$312,041
Information Technology---$200,392
Occupancy---$163,823
Interest---$127,733
Advertising---$94,856
Office Expenses---$82,127
Other Expenses---$78,121
Payroll Taxes---$48,647
Other Employee Benefits---$46,582
Depreciation Depletion---$40,390
Fees for Services Accounting---$35,732
Insurance---$25,951
Pension Plan Contributions---$18,948
Fees for Services Legal---$1,174
Total Functional Expenses$0$0$0$1,891,519

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,891,519
Total Expenses per Audited Statements$1,891,519
Total Expenses per Form 990$1,891,519
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Shares$48,269,769
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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

Part VI Line 7A

“Voting Members of the Board are representives of private industries and”

Part VI Line 7A

“Credit Union Mgmt”

Part VI Line 11B

“Form 990 is reviewed by the CEO after it is prepared and before it is filed”

Part VI Line 12C

“Internal accounts are reviewed daily by CEO”

Part VI Line 15A or B

“Compensation Committee gathers information to determine Salaries”

Part VI Line 19

“The Credit Union's Financial Statements are available on line at the NCUA's”

Part VI Line 19

“Website”

Part VI Sec A Line 6

“Anyone with an account at the Credit Union”

Filing and Contact Details

Filer

Filer Name
ACCESS Credit Union
EIN
23-7237052
In Care Of
% Stephen Cordisco
Phone
2157880411
Address
23 Commerce Circle, Bristol, PA 19007

Signing Officer

Name
Stephen Cordisco
Title
CEO
Phone
2157880411
Signed
2022-02-28

Organization Details

Principal Officer
Stephen Cordisco
Formed
1972
Legal Domicile
Pa
Voting Board Members
8
Independent Board Members
6
Employees
9
Supplemental Narrative

Financial Statement Notes

P10, Ln 2

“Shares $48269770”

Raw XML Appendix340 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/Form990PartVIISectionAGrp/TitleTxt1COO
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IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
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IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
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IRS990/MoreThan5000KToIndividualsInd0false
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Voting Members of the Board are representives of private industries and
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Credit Union Mgmt
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Form 990 is reviewed by the CEO after it is prepared and before it is filed
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Internal accounts are reviewed daily by CEO
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Compensation Committee gathers information to determine Salaries
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The Credit Union's Financial Statements are available on line at the NCUA's
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Website
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Anyone with an account at the Credit Union
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Line 7a
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Part VI Line 15a or b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Part VI Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Part VI Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Part VI Sec A Line 6
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IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt053550056
IRS990/TotalAssetsEOYAmt055138901
IRS990/TotalAssetsGrp/BOYAmt053550056
IRS990/TotalAssetsGrp/EOYAmt055138901
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01891519
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt046826286
IRS990/TotalLiabilitiesEOYAmt048308797
IRS990/TotalLiabilitiesGrp/BOYAmt046826286
IRS990/TotalLiabilitiesGrp/EOYAmt048308797
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06723770
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06830104
IRS990/TotalProgramServiceRevenueAmt01942063
IRS990/TotalReportableCompFromOrgAmt0255820
IRS990/TotalRevenueGrp/ExclusionAmt0103924
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01942063
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02045987
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt053550056
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt055138901
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt023 Commerce Circle
IRS990/USAddress/CityNm0Bristol
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd019007
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0accessmycu.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd01
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0STEPHEN CORDISCO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02157880411
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-02-28
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ACCESS Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0ACCE
ReturnHeader/Filer/EIN0237237052
ReturnHeader/Filer/InCareOfNm0% Stephen Cordisco
ReturnHeader/Filer/PhoneNum02157880411
ReturnHeader/Filer/USAddress/AddressLine1Txt023 Commerce Circle
ReturnHeader/Filer/USAddress/CityNm0Bristol
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd019007
ReturnHeader/ReturnTs02022-02-28T10:36:05-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0STEPHEN
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0CORDISCO
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$55,138,901
Liabilities
$48,308,797
Net assets
$6,830,104
Revenue
$2,045,987
Expenses
$1,891,519
Net income
$154,468
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
2021Detailed filing. Detailed filing data is available for this year.$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