Civic Intelligence

Community Regional Credit Union

990 • Fiscal year 2019 • EIN 24-0830112

Jan 01, 2019 to Dec 31, 2019 • Filed on Oct 20, 2020

Organization ProfileWWW.CRCU.INFO

View Organization Page

584 Wyoming AvenueKingston, PA 18704

(570) 457-8899

Siviq Scores

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

Liabilities / Assets

74th percentile

0.89x

Higher debt load relative to assets than 74% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Liabilities / Revenue

84th percentile

23.33x

Higher debt load relative to revenue than 84% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Net Margin

22nd percentile

2.6%

Higher net margin than 22% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Top Officer Pay

11th percentile

$825

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.1% of source-year revenue.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Asset Growth

31st percentile

-1.2%

Faster asset growth than 31% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Revenue Growth

32nd percentile

3.0%

Faster revenue growth than 32% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets74th percentile

Assets

Down

$18,450,983

Down $229,953 (-1.2%) from 2018

Net Assets

Up

$1,949,107

Up $18,741 (+1.0%) from 2018

Liabilities

Down

$16,501,876

Down $248,694 (-1.5%) from 2018

Revenue And Expenses
Liabilities / Revenue84th percentileNet Margin22nd percentile

Revenue

Up

$707,352

Up $20,335 (+3.0%) from 2018

Expenses

Up

$688,611

Up $26,498 (+4.0%) from 2018

Net Income

Down

$18,741

Down $6,163 (-25%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth31st 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

2019

Assets$18,450,983
Liabilities$16,501,876
Net Assets$1,949,107
Open 2019 Filing

Operations Trend

Revenue Growth32nd percentile

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

2019

Revenue$707,352
Expenses$688,611
Net Income$18,741
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 20, 2020
Return Version
2019v5.0
Gross Receipts
$729,133
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$7,156,708$7,682,416▲ $525,708
Investments Other Securities$8,505,636$7,519,637▼ $985,999
Rtn Earn Endowment Incm Other Fnds$1,930,366$1,949,107▲ $18,741
Savings and Temporary Cash Investments$981,002$1,014,314▲ $33,312
Land, Buildings, and Equipment, Net$778,565$851,486▲ $72,921
Receivables From Officers Etc$445,295$501,834▲ $56,539
Cash and Non-Interest-Bearing Accounts$407,466$454,083▲ $46,617
Prepaid Expenses and Deferred Charges$61,629$47,207▼ $14,422
Total Assets$18,680,936$18,450,983▼ $229,953
Other Assets Total$344,635$380,006▲ $35,371
Liabilities
Other Liabilities$16,744,096$16,489,297▼ $254,799
Accounts Payable and Accrued Expenses$6,474$12,579▲ $6,105
Total Liabilities$16,750,570$16,501,876▼ $248,694
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,930,366$1,949,107▲ $18,741
Total Liabilities and Net Assets / Fund Balance$18,680,936$18,450,983▼ $229,953

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$535,174$225,064$760,238
Equipment$104,523$558,227$662,750
Land$211,789-$211,789
Other Securities$137,555--
Compensation and Service Providers
Top Officer Pay11th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Elaine EvansPresidentPT$825$825
Mark SzmalVice PresidePT$750$750
Sue BatBoard MemberPT$675$675
Tom RussTreasurerPT$675$675
Jaqueline WalshSecretaryPT$600$600
Christine HemburyBoard MemberPT$525$525
Brittany HollyBoard MemberPT$450$450
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$426,143
Investment Income
$220,071
Other Revenue
$61,138
Change in Net Assets
$18,741
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$407,299
Salaries, Compensation, and Employee Benefits$281,312
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$233,053
Office Expenses---$98,346
Fees for Services Other---$47,049
All Other Expenses---$33,963
Occupancy---$32,623
Insurance---$27,541
Depreciation Depletion---$26,259
Payroll Taxes---$23,856
Other Employee Benefits---$19,663
Other Expenses---$18,796
Advertising---$10,390
Conferences and Meetings---$7,429
Pension Plan Contributions---$4,740
Fees for Services Legal---$1,459
Total Functional Expenses$0$0$0$688,611
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$445,295$501,834▲ $56,539
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Share Accounts$16,489,297
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
2020-10-20

Organization Details

Principal Officer
Deborah Mozal
Voting Board Members
7
Independent Board Members
7
Employees
11
Volunteers
3

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 Appendix361 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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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0LOANS TO CU OFFICIALS AND EXEC STAF
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/TotalBalanceDueAmt0501834
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
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt018680936
IRS990/TotalAssetsEOYAmt018450983
IRS990/TotalAssetsGrp/BOYAmt018680936
IRS990/TotalAssetsGrp/EOYAmt018450983
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0688611
IRS990/TotalGrossUBIAmt05374
IRS990/TotalLiabilitiesBOYAmt016750570
IRS990/TotalLiabilitiesEOYAmt016501876
IRS990/TotalLiabilitiesGrp/BOYAmt016750570
IRS990/TotalLiabilitiesGrp/EOYAmt016501876
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01930366
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01949107
IRS990/TotalProgramServiceRevenueAmt0426143
IRS990/TotalReportableCompFromOrgAmt04500
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0701978
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0707352
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt05374
IRS990/TotalVolunteersCnt03
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt018680936
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt018450983
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0465 MCKINLEY STREET
IRS990/USAddress/CityNm0EXETER
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd018643
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.CRCU.INFO
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02021-04-22 16:20:28Z
ReturnHeader/BusinessOfficerGrp/PersonNm0DEBORAH MOZAL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05704578899
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-10-20
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/FilingSecurityInformation/AtSubmissionCreationDeviceId02B95A8CB5B3B8E520EB362B1CB476BEF2860B919
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId04801AD4E08C412A3D3DFCFE23F0C4FCE472E2D66
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0173.163.28.101
ReturnHeader/FilingSecurityInformation/IPDt02020-10-23
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm010:28:08
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/PreparationDt02020-10-23
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHRIS W CARVER CPA
ReturnHeader/ReturnTs02020-10-23T10:28:08-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$18,450,983
Liabilities
$16,501,876
Net assets
$1,949,107
Revenue
$707,352
Expenses
$688,611
Net income
$18,741
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