Civic Intelligence

Incol Credit Union

EIN 24-0830112 • 501(c)14 • Kingston, PA

View Organization Page

Profile

Provide low cost financial services for credit union members.

584 Wyoming AvenueKingston, PA 18704

www.crcu.info

Siviq Scores

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

Liabilities / Assets

85th percentile

0.91x

Higher debt load relative to assets than 85% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2021

Liabilities / Revenue

91st percentile

30.97x

Higher debt load relative to revenue than 91% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2021

Net Margin

35th percentile

1.7%

Higher net margin than 35% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2021

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

82nd percentile

4.8%

Faster asset growth than 82% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2020 to 2021

Revenue Growth

45th percentile

6.7%

Faster revenue growth than 45% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$21,915,153

Up $1,005,497 (+4.8%) from 2020

Liabilities

Up

$19,978,985

Up $994,387 (+5.2%) from 2020

Net Assets

Up

$1,936,168

Up $11,110 (+0.6%) from 2020

Operations
Liabilities / Revenue91st percentileNet Margin35th percentile

Revenue

Up

$645,111

Up $40,240 (+6.7%) from 2020

Expenses

Up

$634,001

Up $5,081 (+0.8%) from 2020

Net Income

Up

$11,110

Up $35,159 (+146%) from 2020

Trend Graphs

Balance Sheet Trend

Asset Growth82nd percentile

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

$30M$20M$10M$0Assets 2010: $17,535,560Liabilities 2010: $15,799,170Net Assets 2010: $1,736,3902010Assets 2011: $17,784,258Liabilities 2011: $16,044,232Net Assets 2011: $1,740,0262011Assets 2012: $19,854,535Liabilities 2012: $17,778,173Net Assets 2012: $2,076,3622012Assets 2013: $19,269,738Liabilities 2013: $17,372,570Net Assets 2013: $1,897,1682013Assets 2014: $19,220,088Liabilities 2014: $17,304,895Net Assets 2014: $1,915,1932014Assets 2015: $19,497,773Liabilities 2015: $17,563,902Net Assets 2015: $1,933,8712015Assets 2016: $19,942,126Liabilities 2016: $18,042,224Net Assets 2016: $1,899,9022016Assets 2017: $18,101,545Liabilities 2017: $16,176,083Net Assets 2017: $1,925,4622017Assets 2018: $18,680,936Liabilities 2018: $16,750,570Net Assets 2018: $1,930,3662018Assets 2019: $18,450,983Liabilities 2019: $16,501,876Net Assets 2019: $1,949,1072019Assets 2020: $20,909,656Liabilities 2020: $18,984,598Net Assets 2020: $1,925,0582020Assets 2021: $21,915,153Liabilities 2021: $19,978,985Net Assets 2021: $1,936,1682021

Highlighted filing

2021

Assets$21,915,153
Liabilities$19,978,985
Net Assets$1,936,168
Open 2021 Filing

Operations Trend

Revenue Growth45th percentile

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

$1.0M$500K$0-$500KExpenses 2010: $826,3472010Expenses 2011: $803,7212011Expenses 2012: $879,6702012Revenue 2013: $742,339Expenses 2013: $921,533Net Income 2013: -$179,1942013Revenue 2014: $684,071Expenses 2014: $666,046Net Income 2014: $18,0252014Revenue 2015: $652,996Expenses 2015: $634,318Net Income 2015: $18,6782015Revenue 2016: $605,969Expenses 2016: $639,938Net Income 2016: -$33,9692016Revenue 2017: $613,717Expenses 2017: $608,157Net Income 2017: $5,5602017Revenue 2018: $687,017Expenses 2018: $662,113Net Income 2018: $24,9042018Revenue 2019: $707,352Expenses 2019: $688,611Net Income 2019: $18,7412019Revenue 2020: $604,871Expenses 2020: $628,920Net Income 2020: -$24,0492020Revenue 2021: $645,111Expenses 2021: $634,001Net Income 2021: $11,1102021

Highlighted filing

2021

Revenue$645,111
Expenses$634,001
Net Income$11,110
Open 2021 Filing

Filings

Most recent year

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

Open filing
Assets
$21,915,153
Liabilities
$19,978,985
Net assets
$1,936,168
Revenue
$645,111
Expenses
$634,001
Net income
$11,110
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$21.9$20.0$1.94$0.65$0.63$0.01
2020Detailed filing. Detailed filing data is available for this year.$20.9$19.0$1.93$0.60$0.63$0.02
2019Detailed filing. Detailed filing data is available for this year.$18.5$16.5$1.95$0.71$0.69$0.02
2018Detailed filing. Detailed filing data is available for this year.$18.7$16.8$1.93$0.69$0.66$0.02
2017Detailed filing. Detailed filing data is available for this year.$18.1$16.2$1.93$0.61$0.61$0.01
2016Detailed filing. Detailed filing data is available for this year.$19.9$18.0$1.90$0.61$0.64$0.03
2015Detailed filing. Detailed filing data is available for this year.$19.5$17.6$1.93$0.65$0.63$0.02
2014Detailed filing. Detailed filing data is available for this year.$19.2$17.3$1.92$0.68$0.67$0.02
2013Detailed filing. Detailed filing data is available for this year.$19.3$17.4$1.90$0.74$0.92$0.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.9$17.8$2.08$0.88
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.8$16.0$1.74$0.80
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.5$15.8$1.74$0.83
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Aug 31, 2022
Return Version
2021v4.0
Gross Receipts
$667,136
Mission and Program Overview

Mission

Provide low cost financial services for credit union members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$10,379,555$11,624,555▲ $1,245,000
Other Notes and Loans Receivable, Net$7,401,595$7,372,701▼ $28,894
Rtn Earn Endowment Incm Other Fnds$1,925,058$1,936,168▲ $11,110
Savings and Temporary Cash Investments$856,484$857,607▲ $1,123
Land, Buildings, and Equipment, Net$861,320$827,320▼ $34,000
Cash and Non-Interest-Bearing Accounts$549,603$470,879▼ $78,724
Receivables From Officers Etc$434,569$303,568▼ $131,001
Prepaid Expenses and Deferred Charges$51,364$40,920▼ $10,444
Total Assets$20,909,656$21,915,153▲ $1,005,497
Other Assets Total$375,166$417,603▲ $42,437
Liabilities
Other Liabilities$18,949,829$19,933,666▲ $983,837
Accounts Payable and Accrued Expenses$34,769$45,319▲ $10,550
Total Liabilities$18,984,598$19,978,985▲ $994,387
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,925,058$1,936,168▲ $11,110
Total Liabilities and Net Assets / Fund Balance$20,909,656$21,915,153▲ $1,005,497

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$504,910$260,811$765,721
Equipment$110,621$592,789$703,410
Land$211,789-$211,789
Other Securities$137,555--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Deborah MozalCEOFT$80,096$3,364$83,460
Mark SzmalVice PresidePT$650-$650
Sue BatBoard MemberPT$625-$625
Elaine EvansPresidentPT$575-$575
Jaqueline WalshSecretaryPT$525-$525
Tom RussTreasurerPT$500-$500
Christine HemburyBoard MemberPT$475-$475
Brittany HollyBoard MemberPT$425-$425
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$391,750
Investment Income
$22,339
Other Revenue
$231,022
Change in Net Assets
$11,110
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$383,876
Salaries, Compensation, and Employee Benefits$250,125
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$123,928
Current Officers, Directors, Trustees, and Key Employees---$89,096
Office Expenses---$74,603
Fees for Services Other---$55,061
Depreciation Depletion---$36,761
Occupancy---$33,137
Insurance---$25,904
All Other Expenses---$20,872
Interest---$19,091
Payroll Taxes---$17,230
Other Employee Benefits---$15,436
Other Expenses---$7,006
Advertising---$6,475
Fees for Services Legal---$4,693
Pension Plan Contributions---$4,435
Conferences and Meetings---$2,414
Total Functional Expenses$0$0$0$634,001
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
Receivables from Officers, Directors, Trustees, and Key Employees$434,569$303,568▼ $131,001
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Share Accounts$19,933,666
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, Page 6, Part VI, Line 6

“Credit unions have members.”

Form 990, Page 6, Part VI, Line 7A

“The credit union members elect the governing body (board of directors).”

Form 990, Page 6, Part VI, Line 11B

“The credit union ceo reviews the form 990 with the board of directors prior to filing.”

Form 990, Page 6, Part VI, Line 12C

“The credit union recognizes that outside business interests of employees or officials may create conflicts of interest. The cu requires all employees and officials to disclose all personal or business relationships with a member, supplier, business associate or competitor of the cu which may give rise to a conflict of interest.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors reviews compensation at board meetings.”

Form 990, Page 6, Part VI, Line 15B

“SAME AS ABOVE.”

Form 990, Page 6, Part VI, Line 19

“Documents are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Community Regional Credit Union
EIN
24-0830112
Phone
5704578899
Address
584 WYOMING AVENUE, KINGSTON, PA 18704

Signing Officer

Name
Deborah Mozal
Title
CEO
Phone
5704578899
Signed
2022-08-31

Organization Details

Principal Officer
Deborah Mozal
Voting Board Members
7
Independent Board Members
7
Employees
8

Preparer

Firm
Carver and Associates LLC
Address
1221 WYOMING AVE, FORTY FORT, PA 18704-4101
Preparer
Chris W Carver CPA
Phone
5706933662
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Provide low cost financial services for credit union members.”

Raw XML Appendix366 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/PYRevenuesLessExpensesAmt0-24049
IRS990/PYSalariesCompEmpBnftPaidAmt0291066
IRS990/PYTotalExpensesAmt0628920
IRS990/PYTotalRevenueAmt0604871
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0434569
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0303568
IRS990/ReconcilationRevenueExpnssAmt011110
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IRS990/RentalIncomeOrLossGrp/RealAmt0-1325
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IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01925058
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01936168
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0856484
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0857607
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0504910
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0260811
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0765721
IRS990ScheduleD/EquipmentGrp/BookValueAmt0110621
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0592789
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0703410
IRS990ScheduleD/LandGrp/BookValueAmt0211789
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0211789
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt019933666
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARE ACCOUNTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt011487000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1137555
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MEMBER CAPITAL AT CORP CU
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
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IRS990ScheduleD/TotalBookValueSecuritiesAmt011624555
IRS990ScheduleD/TotalLiabilityAmt019933666
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0LOANS TO CU OFFICIALS AND EXEC STAF
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROVIDE LOW COST FINANCIAL SERVICES FOR CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNIONS HAVE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION MEMBERS ELECT THE GOVERNING BODY (BOARD OF DIRECTORS).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION CEO REVIEWS THE FORM 990 WITH THE BOARD OF DIRECTORS PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION RECOGNIZES THAT OUTSIDE BUSINESS INTERESTS OF EMPLOYEES OR OFFICIALS MAY CREATE CONFLICTS OF INTEREST. THE CU REQUIRES ALL EMPLOYEES AND OFFICIALS TO DISCLOSE ALL PERSONAL OR BUSINESS RELATIONSHIPS WITH A MEMBER, SUPPLIER, BUSINESS ASSOCIATE OR COMPETITOR OF THE CU WHICH MAY GIVE RISE TO A CONFLICT OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS REVIEWS COMPENSATION AT BOARD MEETINGS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6SAME AS ABOVE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7DOCUMENTS ARE MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SubjectToProxyTaxInd0false
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt020909656
IRS990/TotalAssetsEOYAmt021915153
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IRS990/TotalAssetsGrp/EOYAmt021915153
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt08
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0634001
IRS990/TotalGrossUBIAmt05155
IRS990/TotalLiabilitiesBOYAmt018984598
IRS990/TotalLiabilitiesEOYAmt019978985
IRS990/TotalLiabilitiesGrp/BOYAmt018984598
IRS990/TotalLiabilitiesGrp/EOYAmt019978985
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01925058
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01936168
IRS990/TotalOtherCompensationAmt03364
IRS990/TotalProgramServiceRevenueAmt0391750
IRS990/TotalReportableCompFromOrgAmt083871
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0639956
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0645111
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt05155
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt020909656
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt021915153
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0584 WYOMING AVE
IRS990/USAddress/CityNm0KINGSTON
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd018704
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.CRCU.INFO
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0DEBORAH MOZAL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05704578899
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-08-31
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COMMUNITY REGIONAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0240830112
ReturnHeader/Filer/PhoneNum05704578899
ReturnHeader/Filer/USAddress/AddressLine1Txt0584 WYOMING AVENUE
ReturnHeader/Filer/USAddress/CityNm0KINGSTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd018704
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0232936821
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CARVER AND ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01221 WYOMING AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0FORTY FORT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0187044101
ReturnHeader/PreparerPersonGrp/PhoneNum05706933662
ReturnHeader/PreparerPersonGrp/PreparationDt02022-09-19
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHRIS W CARVER CPA
ReturnHeader/ReturnTs02022-09-19T10:24:21-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0DEBORAH
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0MOZAL
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

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