Civic Intelligence

Community Regional Credit Union

990 • Fiscal year 2013 • EIN 24-0830112

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 04, 2014

Organization ProfileWWW.CRCU.INFO

View Organization Page

510 Bridge Street18518

(570) 457-8899

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

75th percentile

0.90x

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

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

67th percentile

23.40x

Higher debt load relative to revenue than 67% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

6th percentile

-24%

Higher net margin than 6% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

11th percentile

$1,125

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.2% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

16th percentile

-2.9%

Faster asset growth than 16% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets75th percentile

Assets

Down

$19,269,738

Down $584,797 (-2.9%) from 2012

Net Assets

Down

$1,897,168

Down $179,194 (-8.6%) from 2012

Liabilities

Down

$17,372,570

Down $405,603 (-2.3%) from 2012

Revenue And Expenses
Liabilities / Revenue67th percentileNet Margin6th percentile

Revenue

$742,339

No earlier filing loaded for comparison.

Expenses

Up

$921,533

Up $41,863 (+4.8%) from 2012

Net Income

-$179,194

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth16th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2013

Assets$19,269,738
Liabilities$17,372,570
Net Assets$1,897,168
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2013

Revenue$742,339
Expenses$921,533
Net Income-$179,194
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 4, 2014
Return Version
2013v3.1
Gross Receipts
$782,544
Mission and Program Overview

Mission

Provide low cost financial services for credit union members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,561,338$8,830,893▲ $269,555
Savings and Temporary Cash Investments$9,075,846$8,439,255▼ $636,591
Rtn Earn Endowment Incm Other Fnds$2,076,362$1,897,168▼ $179,194
Land, Buildings, and Equipment, Net$1,019,785$976,838▼ $42,947
Cash and Non-Interest-Bearing Accounts$440,228$573,135▲ $132,907
Receivables From Officers Etc$413,208$182,986▼ $230,222
Prepaid Expenses and Deferred Charges$71,680$52,004▼ $19,676
Total Assets$19,854,534$19,269,738▼ $584,796
Other Assets Total$272,449$214,627▼ $57,822
Liabilities
Other Liabilities$17,775,746$17,356,462▼ $419,284
Accounts Payable and Accrued Expenses$2,426$16,108▲ $13,682
Total Liabilities$17,778,172$17,372,570▼ $405,602
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,076,362$1,897,168▼ $179,194
Total Liabilities and Net Assets / Fund Balance$19,854,534$19,269,738▼ $584,796

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$632,032$121,422$753,454
Equipment$133,017$387,007$520,024
Land$211,789-$211,789
Compensation and Service Providers
Top Officer Pay11th percentile

Employees

NameTitleBaseTotal
Mark SzmalBoard Member$1,125$1,125
Elaine EvansVice Preside$1,075$1,075
James MartinPresident$1,075$1,075
Tom RussBoard Member$1,050$1,050
Kent BratleeTreasurer$1,025$1,025
Stanley MatysBoard Member$1,000$1,000
Christine HemburyBoard Member$975$975
Jaqueline WalshSecretary$925$925
Kathleen PriceSupervisory$800$800
Brittany HollyCredit Comm$650$650
Charlie GemberlingSupervisory$475$475
Julie JenningsSupervisory$435$435
Marjorie PazdziorkoSupervisory$100$100
Virginia RittsSupervisory$50$50
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$691,345
Investment Income
$59,564
Other Revenue
$-8,570
Change in Net Assets
$-179,194
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$616,048
Salaries, Compensation, and Employee Benefits$305,485
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$264,035
Office Expenses---$126,431
All Other Expenses---$69,027
Other Expenses---$57,532
Depreciation Depletion---$40,482
Fees for Services Other---$30,241
Insurance---$26,664
Payroll Taxes---$23,467
Fees for Services Legal---$18,073
Other Employee Benefits---$12,408
Occupancy---$10,114
Advertising---$6,800
Travel---$6,213
Pension Plan Contributions---$5,575
Conferences and Meetings---$4,997
Total Functional Expenses$0$0$0$921,533
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$413,208$182,986▼ $230,222
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Share Accounts$17,342,322
Accrued Dividends$14,140
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 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

EIN
24-0830112
Phone
5704578899

Signing Officer

Name
Deborah Mozal
Title
CEO
Phone
5704578899
Signed
2014-08-04

Organization Details

Principal Officer
Deborah Mozal
Voting Board Members
9
Independent Board Members
9
Employees
10

Preparer

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 Appendix392 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/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0589278
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt153251
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt248816
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt053251
IRS990/ProgSrvcAccomActyOtherGrp/Desc0PROVIDE LOW COST FINANCIAL SERVICES FOR CREDIT UNION MEMBERS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt067955
IRS990/PYOtherExpensesAmt0534813
IRS990/PYOtherRevenueAmt06258
IRS990/PYProgramServiceRevenueAmt0734891
IRS990/PYRevenuesLessExpensesAmt0-70566
IRS990/PYSalariesCompEmpBnftPaidAmt0344857
IRS990/PYTotalExpensesAmt0879670
IRS990/PYTotalRevenueAmt0809104
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0413208
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0182986
IRS990/ReconcilationRevenueExpnssAmt0-179194
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt0-22637
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02076362
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01897168
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09075846
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08439255
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0632032
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0121422
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0753454
IRS990ScheduleD/EquipmentGrp/BookValueAmt0133017
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0387007
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0520024
IRS990ScheduleD/LandGrp/BookValueAmt0211789
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0211789
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt017342322
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt114140
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED DIVIDENDS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0976838
IRS990ScheduleD/TotalLiabilityAmt017356462
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0182986
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0LOANS TO CU OFFICIALS AND EXEC STAF
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/TotalBalanceDueAmt0182986
IRS990/ScheduleORequiredInd0true
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
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt019854534
IRS990/TotalAssetsEOYAmt019269738
IRS990/TotalAssetsGrp/BOYAmt019854534
IRS990/TotalAssetsGrp/EOYAmt019269738
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0921533
IRS990/TotalGrossUBIAmt030614
IRS990/TotalLiabilitiesBOYAmt017778172
IRS990/TotalLiabilitiesEOYAmt017372570
IRS990/TotalLiabilitiesGrp/BOYAmt017778172
IRS990/TotalLiabilitiesGrp/EOYAmt017372570
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02076362
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01897168
IRS990/TotalProgramServiceRevenueAmt0691345
IRS990/TotalReportableCompFromOrgAmt010760
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0711725
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0742339
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt030614
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt019854534
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt019269738
IRS990/TravelGrp/TotalAmt06213
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10465 MCKINLEY STREET
IRS990/USAddress/City0EXETER
IRS990/USAddress/State0PA
IRS990/USAddress/ZIPCode018643
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.CRCU.INFO
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0DEBORAH MOZAL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05704578899
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-08-04
ReturnHeader/Filer/BusinessName/BusinessNameLine10COMMUNITY REGIONAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0240830112
ReturnHeader/Filer/PhoneNum05704578899
ReturnHeader/Filer/USAddress/AddressLine10510 BRIDGE STREET
ReturnHeader/Filer/USAddress/City0OLD FORGE
ReturnHeader/Filer/USAddress/State0PA
ReturnHeader/Filer/USAddress/ZIPCode018518
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0232936821
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10CARVER AND ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine101221 WYOMING AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0FORTY FORT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0187044101
ReturnHeader/PreparerPersonGrp/PhoneNum05706933662
ReturnHeader/PreparerPersonGrp/PreparationDt02014-08-06
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHRIS W CARVER CPA
ReturnHeader/ReturnTs02014-08-06T14:07:23-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$19,269,738
Liabilities
$17,372,570
Net assets
$1,897,168
Revenue
$742,339
Expenses
$921,533
Net income
-$179,194
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