Civic Intelligence

Access Credit Union

990 • Fiscal year 2022 • EIN 23-7237052

Jan 01, 2022 to Dec 31, 2022 • Filed on Feb 22, 2023

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

0.87x

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

2022 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2022

Liabilities / Revenue

51st percentile

21.70x

Higher debt load relative to revenue than 51% of similar nonprofits.

2022 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2022

Net Margin

45th percentile

12%

Higher net margin than 45% of similar nonprofits.

2022 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2022

Top Officer Pay

38th percentile

$135,052

Higher top officer pay than 38% of similar nonprofits.

Top officer pay equals 6.2% of source-year revenue.

2022 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2022

Asset Growth

24th percentile

-1.8%

Faster asset growth than 24% of similar nonprofits.

2022 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2022

Revenue Growth

44th percentile

6.6%

Faster revenue growth than 44% of similar nonprofits.

2022 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Down

$54,132,845

Down $1,006,056 (-1.8%) from 2021

Net Assets

Down

$6,804,483

Down $25,621 (-0.4%) from 2021

Liabilities

Down

$47,328,362

Down $980,435 (-2.0%) from 2021

Revenue And Expenses
Liabilities / Revenue51st percentileNet Margin45th percentile

Revenue

Up

$2,181,259

Up $135,272 (+6.6%) from 2021

Expenses

Up

$1,915,078

Up $23,559 (+1.2%) from 2021

Net Income

Up

$266,181

Up $111,713 (+72%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth24th 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

2022

Assets$54,132,845
Liabilities$47,328,362
Net Assets$6,804,483
Open 2022 Filing

Operations Trend

Revenue Growth44th 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

2022

Revenue$2,181,259
Expenses$1,915,078
Net Income$266,181
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Feb 22, 2023
Return Version
2022v4.0
Gross Receipts
$2,181,259
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$34,464,907$33,971,980▼ $492,927
Savings and Temporary Cash Investments$18,530,405$18,186,367▼ $344,038
Rtn Earn Endowment Incm Other Fnds$6,830,104$6,804,483▼ $25,621
Land, Buildings, and Equipment, Net$1,332,850$1,310,775▼ $22,075
Cash and Non-Interest-Bearing Accounts$489,476$356,052▼ $133,424
Prepaid Expenses and Deferred Charges$321,263$307,671▼ $13,592
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$55,138,901$54,132,845▼ $1,006,056
Liabilities
Other Liabilities$48,269,769$47,260,352▼ $1,009,417
Accounts Payable and Accrued Expenses$39,028$68,010▲ $28,982
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$48,308,797$47,328,362▼ $980,435
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,830,104$6,804,483▼ $25,621
Total Liabilities and Net Assets / Fund Balance$55,138,901$54,132,845▼ $1,006,056

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$550,797$356,240$0
Other Land Buildings$0$0$0
Land$692,273-$0
Equipment$67,705$711,792$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay38th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Stephen CordiscoCEOFT$135,052$135,052
Kevin BackstromCOOFT$125,329$125,329
John DoyleControllerFT$50,306$50,306

Board Members and Trustees

NameTitle
Maxine KunyczkaChairman
Anthony PintoDirector
Frank MarinoDirector
Greg MicucciDirector
Peter FaightDirector
Scott HarrisDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,938,521
Investment Income
$242,738
Other Revenue
$0
Change in Net Assets
$266,181

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,181,259
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$2,181,259
Total Revenue per Form 990
$2,181,259
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,117,804
Salaries, Compensation, and Employee Benefits$797,274
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$376,186$0$0$376,186
Other Salaries and Wages$300,461$0$0$300,461
Information Technology$200,301$0$0$200,301
Occupancy$167,412$0$0$167,412
Interest$124,600$0$0$124,600
Advertising$68,813$0$0$68,813
Office Expenses$65,637$0$0$65,637
All Other Expenses$63,476$0$0$63,476
Other Employee Benefits$51,050$0$0$51,050
Payroll Taxes$49,676$0$0$49,676
Fees for Services Accounting$43,318$0$0$43,318
Depreciation Depletion$38,370$0$0$38,370
Insurance$28,178$0$0$28,178
Pension Plan Contributions$19,901$0$0$19,901
Other Expenses$15,505$0$0$15,505
Fees for Services Legal$2,673$0$0$2,673
Total Functional Expenses$1,915,078$0$0$1,915,078

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,915,078
Total Expenses per Audited Statements$1,915,078
Total Expenses per Form 990$1,915,078
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share & Share Certificates$47,260,352
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

Form 990, Part VI, Section A, Line 6

“Anyone one with an account is considered a memeber and has a vote”

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

“All members may elect or be elected to the BOD”

Form 990, Part VI, Section B, Line 11B

“A draft is presented to the BOD prior to filing”

Form 990, Part VI, Section B, Line 12C

“Internal accounts are reviewed daily by the CEO”

Form 990, Part VI, Section B, Line 15

“Compensation committee gathers information to determine salary”

Form 990, Part VI, Section C, Line 19

“Disclosurers are on the website. Financial Statements are posted in the branch lobby.”

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
2023-02-22

Organization Details

Principal Officer
Stephen Cordisco
Formed
1972
Legal Domicile
Pa
Voting Board Members
9
Independent Board Members
6
Employees
10
Volunteers
0
Raw XML AppendixShowing 400 of 547 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/InvestmentIncomeGrp/ExclusionAmt0242738
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0242738
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt01499
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01068032
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01332850
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01310775
IRS990/LandBldgEquipCostOrOtherBssAmt02378807
IRS990/LegalDomicileStateCd0PA
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0To provide financial services to members at a reduced or no cost
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt06830104
IRS990/NetAssetsOrFundBalancesEOYAmt06804483
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-291838
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt0167412
IRS990/OccupancyGrp/TotalAmt0167412
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt065637
IRS990/OfficeExpensesGrp/TotalAmt065637
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt051050
IRS990/OtherEmployeeBenefitsGrp/TotalAmt051050
IRS990/OtherExpensesGrp/Desc0ATM Expense
IRS990/OtherExpensesGrp/Desc1VISA Exspense
IRS990/OtherExpensesGrp/Desc2Provision for Loan Loss
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ProgramServicesAmt0222969
IRS990/OtherExpensesGrp/ProgramServicesAmt176552
IRS990/OtherExpensesGrp/ProgramServicesAmt215505
IRS990/OtherExpensesGrp/TotalAmt0222969
IRS990/OtherExpensesGrp/TotalAmt176552
IRS990/OtherExpensesGrp/TotalAmt215505
IRS990/OtherLiabilitiesGrp/BOYAmt048269769
IRS990/OtherLiabilitiesGrp/EOYAmt047260352
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0300461
IRS990/OtherSalariesAndWagesGrp/TotalAmt0300461
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt034464907
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt033971980
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt049676
IRS990/PayrollTaxesGrp/TotalAmt049676
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt019901
IRS990/PensionPlanContributionsGrp/TotalAmt019901
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0321263
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0307671
IRS990/PrincipalOfficerNm0Stephen Cordisco
IRS990/PriorPeriodAdjustmentsAmt036
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest Income
IRS990/ProgramServiceRevenueGrp/Desc1Fee Income
IRS990/ProgramServiceRevenueGrp/Desc2Other Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01337595
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1484114
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2116812
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01337595
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1484114
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2116812
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgSrvcAccomActyOtherGrp/Desc0To provide Financial services to members at a reduced or no cost.
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt01915078
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYInvestmentIncomeAmt0103924
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01130479
IRS990/PYProgramServiceRevenueAmt01942063
IRS990/PYRevenuesLessExpensesAmt0154468
IRS990/PYSalariesCompEmpBnftPaidAmt0761040
IRS990/PYTotalExpensesAmt01891519
IRS990/PYTotalRevenueAmt02045987
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0266181
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt00
IRS990/RoyaltiesGrp/FundraisingAmt00
IRS990/RoyaltiesGrp/ManagementAndGeneralAmt00
IRS990/RoyaltiesGrp/ProgramServicesAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06830104
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06804483
IRS990/SavingsAndTempCashInvstGrp/BOYAmt018530405
IRS990/SavingsAndTempCashInvstGrp/EOYAmt018186367
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0550797

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$54,132,845
Liabilities
$47,328,362
Net assets
$6,804,483
Revenue
$2,181,259
Expenses
$1,915,078
Net income
$266,181
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
2022Detailed filing. Detailed filing data is available for this year.$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