Civic Intelligence

Access Credit Union

990 • Fiscal year 2024 • EIN 23-7237052

Jan 01, 2024 to Dec 31, 2024 • Filed on Feb 28, 2025

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

57th percentile

0.88x

Higher debt load relative to assets than 57% of similar nonprofits.

2024 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

75th percentile

17.60x

Higher debt load relative to revenue than 75% of similar nonprofits.

2024 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

47th percentile

12%

Higher net margin than 47% of similar nonprofits.

2024 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

55th percentile

$162,342

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 5.0% of source-year revenue.

2024 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

92nd percentile

9.5%

Faster asset growth than 92% of similar nonprofits.

2024 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

90th percentile

26%

Faster revenue growth than 90% of similar nonprofits.

2024 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets57th percentile

Assets

Up

$64,526,794

Up $10,393,949 (+19%) from 2022

Net Assets

Up

$7,443,957

Up $639,474 (+9.4%) from 2022

Liabilities

Up

$57,082,837

Up $9,754,475 (+21%) from 2022

Revenue And Expenses
Liabilities / Revenue75th percentileNet Margin47th percentile

Revenue

Up

$3,244,126

Up $1,062,867 (+49%) from 2022

Expenses

Up

$2,854,430

Up $939,352 (+49%) from 2022

Net Income

Up

$389,696

Up $123,515 (+46%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth92nd 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 2024: $64,526,794Liabilities 2024: $57,082,837Net Assets 2024: $7,443,9572024Assets 2025: $67,529,646Liabilities 2025: $59,380,286Net Assets 2025: $8,149,3602025

Highlighted filing

2024

Assets$64,526,794
Liabilities$57,082,837
Net Assets$7,443,957
Open 2024 Filing

Operations Trend

Revenue Growth90th 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 2024: $3,244,126Expenses 2024: $2,854,430Net Income 2024: $389,6962024Revenue 2025: $3,610,495Expenses 2025: $3,041,632Net Income 2025: $568,8632025

Highlighted filing

2024

Revenue$3,244,126
Expenses$2,854,430
Net Income$389,696
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Feb 28, 2025
Return Version
2024v5.0
Gross Receipts
$3,244,126
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$34,207,271$34,556,927▲ $349,656
Savings and Temporary Cash Investments$22,644,283$27,419,464▲ $4,775,181
Rtn Earn Endowment Incm Other Fnds$6,937,235$7,443,957▲ $506,722
Land, Buildings, and Equipment, Net$1,295,313$1,302,387▲ $7,074
Prepaid Expenses and Deferred Charges$323,156$803,043▲ $479,887
Cash and Non-Interest-Bearing Accounts$436,165$444,973▲ $8,808
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$58,906,188$64,526,794▲ $5,620,606
Liabilities
Other Liabilities$51,905,375$57,030,206▲ $5,124,831
Accounts Payable and Accrued Expenses$63,578$52,631▼ $10,947
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$51,968,953$57,082,837▲ $5,113,884
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,937,235$7,443,957▲ $506,722
Total Liabilities and Net Assets / Fund Balance$58,906,188$64,526,794▲ $5,620,606

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$502,274$404,763$0
Other Land Buildings$0$0$0
Land$692,273-$0
Equipment$107,840$761,014$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay55th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Stephen CordiscoCEOFT$162,342$162,342
John DoyleControllerFT$72,455$72,455
Kevin BackstromCOOFT$43,464$43,464

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,221,731
Investment Income
$1,022,395
Other Revenue
$0
Change in Net Assets
$389,696
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,003,572
Salaries, Compensation, and Employee Benefits$850,858
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$907,126
Comp Disqual Persons---$362,481
Current Officers, Directors, Trustees, and Key Employees---$343,393
Information Technology---$199,765
Occupancy---$194,340
Other Expenses---$111,179
Other Employee Benefits---$71,085
Office Expenses---$63,137
Fees for Services Accounting---$51,425
Payroll Taxes---$50,982
Advertising---$47,204
Depreciation Depletion---$46,123
Pension Plan Contributions---$22,917
Insurance---$14,458
Fees for Services Legal---$1,016
Total Functional Expenses$0$0$0$2,854,430
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
Shares$57,030,206
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 with an account is considered a member and has a vote”

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

“ASll members may be elected to the BOD”

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

“A draft is presented to the BOD before filing”

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

“Internal accounts are reviewed 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

“Disclosures are on website. Financials are in 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
2025-02-28

Organization Details

Principal Officer
Stephen Cordisco
Formed
1972
Legal Domicile
Pa
Voting Board Members
10
Independent Board Members
8
Employees
12
Volunteers
0
Raw XML AppendixShowing 400 of 439 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.

Path#Value
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgSrvcAccomActyOtherGrp/Desc0To provide Financial services to members at a reduced or no cost.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0549256
IRS990/PYOtherExpensesAmt01393994
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02023634
IRS990/PYRevenuesLessExpensesAmt0323219
IRS990/PYSalariesCompEmpBnftPaidAmt0855677
IRS990/PYTotalExpensesAmt02249671
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02572890
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0389696
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06937235
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07443957
IRS990/SavingsAndTempCashInvstGrp/BOYAmt022644283
IRS990/SavingsAndTempCashInvstGrp/EOYAmt027419464
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0502274
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0404763
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0907037
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0107840
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0761014
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0868854
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0692273
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0692273
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt057030206
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01302387
IRS990ScheduleD/TotalLiabilityAmt057030206
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0162342
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt0139103
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Stephen Cordisco
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0162342
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Anyone with an account is considered a member and has a vote
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ASll members may be elected to the BOD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A draft is presented to the BOD before filing
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Internal accounts are reviewed by the CEO
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Compensation Committee gathers information to determine salary
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Disclosures are on website. Financials are in lobby.
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/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt058906188
IRS990/TotalAssetsEOYAmt064526794
IRS990/TotalAssetsGrp/BOYAmt058906188
IRS990/TotalAssetsGrp/EOYAmt064526794
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt012
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02854430
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt051968953
IRS990/TotalLiabilitiesEOYAmt057082837
IRS990/TotalLiabilitiesGrp/BOYAmt051968953
IRS990/TotalLiabilitiesGrp/EOYAmt057082837
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06937235
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07443957
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt02221731
IRS990/TotalReportableCompFromOrgAmt0278261
IRS990/TotalRevenueGrp/ExclusionAmt01022395

Document Assets

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Filings

Displayed year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$64,526,794
Liabilities
$57,082,837
Net assets
$7,443,957
Revenue
$3,244,126
Expenses
$2,854,430
Net income
$389,696
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
2024Detailed filing. Detailed filing data is available for this year.$64.5$57.1$7.44$3.24$2.85$0.39
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
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