Civic Intelligence

Access Credit Union

990 • Fiscal year 2025 • EIN 23-7237052

Jan 01, 2025 to Dec 31, 2025 • Filed on Feb 17, 2026

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

93rd percentile

0.88x

Higher debt load relative to assets than 93% of similar nonprofits.

2025 filings • $50M-$100M nonprofits • Source year 2025

Liabilities / Revenue

98th percentile

16.45x

Higher debt load relative to revenue than 98% of similar nonprofits.

2025 filings • $50M-$100M nonprofits • Source year 2025

Net Margin

67th percentile

16%

Higher net margin than 67% of similar nonprofits.

2025 filings • $50M-$100M nonprofits • Source year 2025

Top Officer Pay

22nd percentile

$163,558

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 4.5% of source-year revenue.

2025 filings • $50M-$100M nonprofits • Source year 2025

Asset Growth

44th percentile

4.7%

Faster asset growth than 44% of similar nonprofits.

2025 filings • $50M-$100M nonprofits • Annualized from 2024 to 2025

Revenue Growth

59th percentile

11%

Faster revenue growth than 59% of similar nonprofits.

2025 filings • $50M-$100M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$67,529,646

Up $13,396,801 (+25%) from 2022

Net Assets

Up

$8,149,360

Up $1,344,877 (+20%) from 2022

Liabilities

Up

$59,380,286

Up $12,051,924 (+25%) from 2022

Revenue And Expenses
Liabilities / Revenue98th percentileNet Margin67th percentile

Revenue

Up

$3,610,495

Up $1,429,236 (+66%) from 2022

Expenses

Up

$3,041,632

Up $1,126,554 (+59%) from 2022

Net Income

Up

$568,863

Up $302,682 (+114%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth44th 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

2025

Assets$67,529,646
Liabilities$59,380,286
Net Assets$8,149,360
Open 2025 Filing

Operations Trend

Revenue Growth59th 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

2025

Revenue$3,610,495
Expenses$3,041,632
Net Income$568,863
Open 2025 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 17, 2026
Return Version
2025v4.0
Gross Receipts
$3,610,495
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$27,419,464$33,550,953▲ $6,131,489
Other Notes and Loans Receivable, Net$34,556,927$31,970,678▼ $2,586,249
Rtn Earn Endowment Incm Other Fnds$7,443,957$8,149,360▲ $705,403
Land, Buildings, and Equipment, Net$1,302,387$1,270,125▼ $32,262
Prepaid Expenses and Deferred Charges$803,043$398,490▼ $404,553
Cash and Non-Interest-Bearing Accounts$444,973$339,400▼ $105,573
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$64,526,794$67,529,646▲ $3,002,852
Liabilities
Other Liabilities$57,030,206$59,312,341▲ $2,282,135
Accounts Payable and Accrued Expenses$52,631$67,945▲ $15,314
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$57,082,837$59,380,286▲ $2,297,449
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,443,957$8,149,360▲ $705,403
Total Liabilities and Net Assets / Fund Balance$64,526,794$67,529,646▲ $3,002,852

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$485,557$421,480$0
Other Land Buildings$0$0$0
Land$692,273-$0
Equipment$92,295$793,940$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay22nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Stephen CordiscoCEOFT$163,558$163,558
John DoyleControllerFT$88,677$88,677

Board Members and Trustees

NameTitle
Peter FaightChairman
Kevin FrakeVice Chairman
Anthony PintoDirector
Frank MarinoDirector
Kevin BackstromDirector
Maxine KunyczkaDirector
Scott HarrisDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,306,391
Investment Income
$1,304,104
Other Revenue
$0
Change in Net Assets
$568,863
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,229,355
Salaries, Compensation, and Employee Benefits$812,277
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$1,042,906
Comp Disqual Persons---$344,927
Current Officers, Directors, Trustees, and Key Employees---$312,024
Information Technology---$243,423
Occupancy---$228,339
Other Expenses---$93,613
Other Employee Benefits---$70,155
Payroll Taxes---$67,192
Advertising---$58,800
Office Expenses---$56,432
Fees for Services Accounting---$53,212
Depreciation Depletion---$46,879
Insurance---$18,919
Pension Plan Contributions---$17,979
Fees for Services Legal---$1,230
Total Functional Expenses$0$0$0$3,041,632
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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$59,312,341
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 a share in the Credit Union is a member”

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

“Any Eligible Credit Union Member can elect members to the governing body”

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

“A drfat is presented to BOD before filing.”

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

“Internal Accounts are reviewed by 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 posted 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
2026-02-17

Organization Details

Principal Officer
Stephen Cordisco
Formed
1972
Legal Domicile
Pa
Voting Board Members
9
Independent Board Members
7
Employees
6
Volunteers
0
Supplemental Narrative

Financial Statement Notes

Schedule D, Part X, Line 1

“Shares”

Raw XML AppendixShowing 400 of 479 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/AccountsReceivableGrp/EOYAmt00
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IRS990/AdvertisingGrp/TotalAmt058800
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IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
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IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt00
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt034556927
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt031970678
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt067192
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt017979
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0803043
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0398490
IRS990/PrincipalOfficerNm0Stephen Cordisco
IRS990/PriorPeriodAdjustmentsAmt00
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/RelatedOrExemptFuncIncomeAmt01754432
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1437753
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2114206
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01754432
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1437753
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2114206
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
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/PYInvestmentIncomeAmt01022395
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt02003572
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02221731
IRS990/PYRevenuesLessExpensesAmt0389696
IRS990/PYSalariesCompEmpBnftPaidAmt0850858
IRS990/PYTotalExpensesAmt02854430
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03244126
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0568863
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07443957
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08149360
IRS990/SavingsAndTempCashInvstGrp/BOYAmt027419464
IRS990/SavingsAndTempCashInvstGrp/EOYAmt033550953
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0485557
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0421480
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0907037
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt092295
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0793940
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0886235
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/Amt059312341
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Shares
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part X, Line 1
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01270125
IRS990ScheduleD/TotalLiabilityAmt059312341
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0163558
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
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/TotalCompensationFilingOrgAmt0163558
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Anyone with a share in the Credit Union is a member
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Any Eligible Credit Union Member can elect members to the governing body
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A drfat is presented to BOD before filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Internal Accounts are reviewed by CEO
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Compensation Committee gathers information to determine salary
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Disclosures are on website. Financials are posted 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

Document Assets

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Filings

Displayed year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$67,529,646
Liabilities
$59,380,286
Net assets
$8,149,360
Revenue
$3,610,495
Expenses
$3,041,632
Net income
$568,863
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$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
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