Civic Intelligence

Members Choice Financial

EIN 24-0823199 • 501(c)14 • Danville, PA

View Organization Page

Profile

Our credit union is a member owned not for profit financial cooperative with the mission of promoting thrift and providing access to credit. Specifically we have underserved designations within our charter to extend our services to the underbanked.

390 Walnut StreetDanville, PA 17821

www.mcfcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

72nd percentile

0.91x

Higher debt load relative to assets than 72% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2020

Liabilities / Revenue

89th percentile

22.28x

Higher debt load relative to revenue than 89% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2020

Net Margin

67th percentile

16%

Higher net margin than 67% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2020

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

97th percentile

17%

Faster asset growth than 97% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2019 to 2020

Revenue Growth

3rd percentile

-7.6%

Faster revenue growth than 3% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$183,106,209

Up $26,121,355 (+17%) from 2019

Liabilities

Up

$166,725,625

Up $24,387,377 (+17%) from 2019

Net Assets

Up

$16,380,584

Up $1,733,978 (+12%) from 2019

Operations
Liabilities / Revenue89th percentileNet Margin67th percentile

Revenue

Down

$7,482,196

Down $612,662 (-7.6%) from 2019

Expenses

Down

$6,250,676

Down $239,055 (-3.7%) from 2019

Net Income

Down

$1,231,520

Down $373,607 (-23%) from 2019

Trend Graphs

Balance Sheet Trend

Asset Growth97th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200M$150M$100M$50M$0Assets 2015: $128,958,814Liabilities 2015: $117,596,730Net Assets 2015: $11,362,0842015Assets 2016: $142,126,555Liabilities 2016: $130,616,305Net Assets 2016: $11,510,2502016Assets 2017: $145,803,137Liabilities 2017: $133,786,930Net Assets 2017: $12,016,2072017Assets 2018: $151,872,558Liabilities 2018: $139,205,644Net Assets 2018: $12,666,9142018Assets 2019: $156,984,854Liabilities 2019: $142,338,248Net Assets 2019: $14,646,6062019Assets 2020: $183,106,209Liabilities 2020: $166,725,625Net Assets 2020: $16,380,5842020

Highlighted filing

2020

Assets$183,106,209
Liabilities$166,725,625
Net Assets$16,380,584
Open 2020 Filing

Operations Trend

Revenue Growth3rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$10M$5.0M$0Revenue 2015: $5,496,271Expenses 2015: $5,020,491Net Income 2015: $475,7802015Revenue 2016: $5,936,355Expenses 2016: $5,807,381Net Income 2016: $128,9742016Revenue 2017: $6,475,220Expenses 2017: $5,974,166Net Income 2017: $501,0542017Revenue 2018: $7,297,337Expenses 2018: $6,403,884Net Income 2018: $893,4532018Revenue 2019: $8,094,858Expenses 2019: $6,489,731Net Income 2019: $1,605,1272019Revenue 2020: $7,482,196Expenses 2020: $6,250,676Net Income 2020: $1,231,5202020

Highlighted filing

2020

Revenue$7,482,196
Expenses$6,250,676
Net Income$1,231,520
Open 2020 Filing

Filings

Most recent year

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

Open filing
Assets
$183,106,209
Liabilities
$166,725,625
Net assets
$16,380,584
Revenue
$7,482,196
Expenses
$6,250,676
Net income
$1,231,520
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Detailed filing. Detailed filing data is available for this year.$183$167$16.4$7.48$6.25$1.23
2019Detailed filing. Detailed filing data is available for this year.$157$142$14.6$8.09$6.49$1.61
2018Detailed filing. Detailed filing data is available for this year.$152$139$12.7$7.30$6.40$0.89
2017Detailed filing. Detailed filing data is available for this year.$146$134$12.0$6.48$5.97$0.50
2016Detailed filing. Detailed filing data is available for this year.$142$131$11.5$5.94$5.81$0.13
2015Detailed filing. Detailed filing data is available for this year.$129$118$11.4$5.50$5.02$0.48
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Aug 9, 2021
Return Version
2020v4.1
Gross Receipts
$7,527,620
Mission and Program Overview

Mission

Our credit union is a member owned not for profit financial cooperative with the mission of promoting thrift and providing access to credit. Specifically we have underserved designations within our charter to extend our services to the underbanked.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$113,114,255$107,938,196▼ $5,176,059
Investments in Publicly Traded Securities$20,779,312$37,795,144▲ $17,015,832
Savings and Temporary Cash Investments$14,738,168$28,217,254▲ $13,479,086
Rtn Earn Endowment Incm Other Fnds$14,646,606$16,380,584▲ $1,733,978
Land, Buildings, and Equipment, Net$3,714,046$3,810,561▲ $96,515
Cash and Non-Interest-Bearing Accounts$902,093$1,467,589▲ $565,496
Accounts Receivable$415,639$405,677▼ $9,962
Prepaid Expenses and Deferred Charges$188,235$200,018▲ $11,783
Investments Other Securities$60,600$60,900▲ $300
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$156,984,854$183,106,209▲ $26,121,355
Other Assets Total$3,072,506$3,210,870▲ $138,364
Liabilities
Other Liabilities$140,977,994$164,990,453▲ $24,012,459
Accounts Payable and Accrued Expenses$1,360,254$1,735,172▲ $374,918
Total Liabilities$142,338,248$166,725,625▲ $24,387,377
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,646,606$16,380,584▲ $1,733,978
Total Liabilities and Net Assets / Fund Balance$156,984,854$183,106,209▲ $26,121,355

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,016,284$1,151,758$3,168,042
Equipment$667,911$1,847,424$2,515,335
Land$742,986-$742,986
Leasehold Improvements$322,255$275,953$598,208
Other Land Buildings$61,125$132,341$193,466
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
James M BarbarichCEOFT$203,089$30,117$233,206
Jean D MillerCFOFT$90,560$32,391$122,951
Elba ArenasChief Member Experience ofFT$101,933$4,962$106,895
Brian W WiktorCLOFT$86,614$16,989$103,603

Board Members and Trustees

NameTitle
Mary FasanoBoard Chairperson
Matthew HoegerBoard Vice-chair/treasurer
Brian UlmerBoard Member
Dan AngelBoard Member
Richard KnouseBoard Member
William AndersonBoard Member
Douglas BastianSretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,719,537
Investment Income
$607,127
Other Revenue
$155,532
Change in Net Assets
$1,231,520

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,482,196
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$502,458
Total Revenue per Audited Statements
$7,984,654
Total Revenue per Form 990
$7,482,196
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,851,756
Salaries, Compensation, and Employee Benefits$2,398,920
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,339,563
Office Expenses---$916,595
Interest---$864,673
Current Officers, Directors, Trustees, and Key Employees---$566,656
Information Technology---$336,118
Depreciation Depletion---$284,112
Other Employee Benefits---$226,897
Fees for Services Legal---$206,325
Occupancy---$203,937
Payroll Taxes---$139,956
Pension Plan Contributions---$125,848
Advertising---$81,106
Fees for Services Other---$58,035
Fees for Services Accounting---$48,000
Insurance---$38,386
Travel---$27,757
Other Expenses---$11,395
Conferences and Meetings---$2,729
Total Functional Expenses$0$0$0$6,250,676

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$6,250,676
Total Expenses per Audited Statements$6,250,676
Total Expenses per Form 990$6,250,676
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$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
Regular Shares$60,953,409
Certificates$41,318,248
Share Drafts$33,499,851
Money Market Shares$23,549,655
Ira$3,175,674
Health Savings Accounts$2,148,079
Club Shares$345,537
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is owned by its 13,549 members. Membership is open to anyone who lives, works, or worships in bloomsburg, berwick, mount carmel,or mahoning township in danville, pa or the union county underserved.”

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

“The credit union has a single class of members each of whom has a single vote in the election of members to the credit union's board of directors.”

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

“The credit union's members must approve changes to the credit union's charter articles and bylaws, the merger of the credit union, and the dissolution or conversion of the credit union.”

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

“The credit union management team reviews the return prior to submission.”

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

“The credit union annually reviews conflict of interest disclosure to ensure compliance with the policy.”

Form 990, Part VI, Section B, Line 15

“The ceo, executive director, and top management official receive performance reviews and achievements are documented. Compensation is determined by market rate analysis for market levels, performance, tenure, responsibilities and education are all factored into salary of each position. Approved by the compensation committee of the board and then the full board. An annual performance review is conducted. This is presented to the employee where they are encouraged to comment. All jobs are rated and given a grade. Based on the grade we establish a market range. Performance, tenure in job, education requirements for the job, and accomplishments are factored together to determine the salary paid. These numbers are subject to budget approval.”

Form 990, Part VI, Section C, Line 19

“Financial statements are available upon request and call reports containing financial information are posted on ncua.gov. Governing documents and conflict of interest policies are available upon request.”

Filing and Contact Details

Filer

Filer Name
Members Choice Financial
EIN
24-0823199
Phone
5702756155
Address
390 WALNUT STREET, DANVILLE, PA 17821

Signing Officer

Name
James M Barbarich
Title
CEO
Phone
5702756155
Signed
2021-08-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James M Barbarich
Formed
1954
Legal Domicile
Pa
Voting Board Members
7
Independent Board Members
7
Employees
56
Volunteers
10

Preparer

Firm
Rkl Llp
Address
1330 BROADCASTING ROAD PO BOX 7008, WYOMISSING, PA 19610-6008
Preparer
Ruthann J Woll CPA
Phone
6103761595
Supplemental Narrative

Additional Explanations

Form XII, Line 2C

“There was no change from prior year.”

Raw XML AppendixShowing 400 of 461 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/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt04514
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt0120000
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0120000
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0502458
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0203937
IRS990/OfficeExpensesGrp/TotalAmt0916595
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03072506
IRS990/OtherAssetsTotalGrp/EOYAmt03210870
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0226897
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS EXPENSES
IRS990/OtherExpensesGrp/Desc3ATM OPERATIONS EXPENSE
IRS990/OtherExpensesGrp/TotalAmt0402016
IRS990/OtherExpensesGrp/TotalAmt1257946
IRS990/OtherExpensesGrp/TotalAmt2112626
IRS990/OtherExpensesGrp/TotalAmt311395
IRS990/OtherLiabilitiesGrp/BOYAmt0140977994
IRS990/OtherLiabilitiesGrp/EOYAmt0164990453
IRS990/OtherRevenueMiscGrp/BusinessCd0522298
IRS990/OtherRevenueMiscGrp/Desc0MISC INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt021262
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt021262
IRS990/OtherRevenueTotalAmt021262
IRS990/OtherSalariesAndWagesGrp/TotalAmt01339563
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0113114255
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0107938196
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0139956
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0125848
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0188235
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0200018
IRS990/PrincipalOfficerNm0JAMES M BARBARICH
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522298
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2ELECTRONIC CARD SERVIC
IRS990/ProgramServiceRevenueGrp/Desc3NON-MEMBER ATM SURCHAR
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05402916
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11089373
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2212743
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05402916
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11089373
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2212743
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt314505
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt014505
IRS990/ProgSrvcAccomActyOtherGrp/Desc0TO PROVIDE LOW INTEREST LOANS AND FINANCIAL PRODUCTS TO MEMBERS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0608861
IRS990/PYOtherExpensesAmt04082372
IRS990/PYOtherRevenueAmt0144234
IRS990/PYProgramServiceRevenueAmt07341763
IRS990/PYRevenuesLessExpensesAmt01605127
IRS990/PYSalariesCompEmpBnftPaidAmt02407359
IRS990/PYTotalExpensesAmt06489731
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08094858
IRS990/ReconcilationRevenueExpnssAmt01231520
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0120000
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt014270
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt014270
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt014646606
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt016380584
IRS990/SavingsAndTempCashInvstGrp/BOYAmt014738168
IRS990/SavingsAndTempCashInvstGrp/EOYAmt028217254
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02016284
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01151758
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03168042
IRS990ScheduleD/EquipmentGrp/BookValueAmt0667911
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01847424
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02515335
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt06250676
IRS990ScheduleD/LandGrp/BookValueAmt0742986
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0742986
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0322255
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0275953
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0598208
IRS990ScheduleD/NetUnrealizedGainsInvstAmt0502458
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt061125
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0132341
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0193466
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt060953409
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1345537
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt223549655
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt333499851
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt43175674
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt52148079
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt641318248
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CLUB SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MONEY MARKET SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRA
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5HEALTH SAVINGS ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6CERTIFICATES
IRS990ScheduleD/RevenueNotReportedAmt0502458
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt07482196
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03810561
IRS990ScheduleD/TotalExpensesPerForm990Amt06250676
IRS990ScheduleD/TotalLiabilityAmt0164990453
IRS990ScheduleD/TotalRevenuePerForm990Amt07482196
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt07984654
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt06250676
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0203089
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt05926
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt024191
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JAMES M BARBARICH
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0233206
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS OWNED BY ITS 13,549 MEMBERS. MEMBERSHIP IS OPEN TO ANYONE WHO LIVES, WORKS, OR WORSHIPS IN BLOOMSBURG, BERWICK, MOUNT CARMEL,OR MAHONING TOWNSHIP IN DANVILLE, PA OR THE UNION COUNTY UNDERSERVED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS EACH OF WHOM HAS A SINGLE VOTE IN THE ELECTION OF MEMBERS TO THE CREDIT UNION'S BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION'S MEMBERS MUST APPROVE CHANGES TO THE CREDIT UNION'S CHARTER ARTICLES AND BYLAWS, THE MERGER OF THE CREDIT UNION, AND THE DISSOLUTION OR CONVERSION OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION MANAGEMENT TEAM REVIEWS THE RETURN PRIOR TO SUBMISSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION ANNUALLY REVIEWS CONFLICT OF INTEREST DISCLOSURE TO ENSURE COMPLIANCE WITH THE POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CEO, EXECUTIVE DIRECTOR, AND TOP MANAGEMENT OFFICIAL RECEIVE PERFORMANCE REVIEWS AND ACHIEVEMENTS ARE DOCUMENTED. COMPENSATION IS DETERMINED BY MARKET RATE ANALYSIS FOR MARKET LEVELS, PERFORMANCE, TENURE, RESPONSIBILITIES AND EDUCATION ARE ALL FACTORED INTO SALARY OF EACH POSITION. APPROVED BY THE COMPENSATION COMMITTEE OF THE BOARD AND THEN THE FULL BOARD. AN ANNUAL PERFORMANCE REVIEW IS CONDUCTED. THIS IS PRESENTED TO THE EMPLOYEE WHERE THEY ARE ENCOURAGED TO COMMENT. ALL JOBS ARE RATED AND GIVEN A GRADE. BASED ON THE GRADE WE ESTABLISH A MARKET RANGE. PERFORMANCE, TENURE IN JOB, EDUCATION REQUIREMENTS FOR THE JOB, AND ACCOMPLISHMENTS ARE FACTORED TOGETHER TO DETERMINE THE SALARY PAID. THESE NUMBERS ARE SUBJECT TO BUDGET APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST AND CALL REPORTS CONTAINING FINANCIAL INFORMATION ARE POSTED ON NCUA.GOV. GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICIES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THERE WAS NO CHANGE FROM PRIOR YEAR.
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 A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM XII, LINE 2C
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0156984854
IRS990/TotalAssetsEOYAmt0183106209
IRS990/TotalAssetsGrp/BOYAmt0156984854
IRS990/TotalAssetsGrp/EOYAmt0183106209
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt056
IRS990/TotalFunctionalExpensesGrp/TotalAmt06250676
IRS990/TotalGrossUBIAmt014505
IRS990/TotalLiabilitiesBOYAmt0142338248
IRS990/TotalLiabilitiesEOYAmt0166725625

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