Civic Intelligence

St Elizabeth Credit Union

990 • Fiscal year 2016 • EIN 24-0858235

Jan 01, 2016 to Dec 31, 2016 • Filed on Apr 19, 2017

Organization ProfileN/A
1903 Main StreetNorthampton, PA 18067

(610) 262-3772

Siviq Scores

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

Liabilities / Assets

23rd percentile

0.81x

Higher debt load relative to assets than 23% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

96th percentile

38.10x

Higher debt load relative to revenue than 96% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

97th percentile

30%

Higher net margin than 97% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

31st percentile

$59,245

Higher top officer pay than 31% of similar nonprofits.

Top officer pay equals 26.0% of source-year revenue.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

20th percentile

-1.7%

Faster asset growth than 20% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

58th percentile

3.6%

Faster revenue growth than 58% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets23rd percentile

Assets

Down

$10,671,256

Down $185,814 (-1.7%) from 2015

Net Assets

Up

$1,991,655

Up $69,403 (+3.6%) from 2015

Liabilities

Down

$8,679,601

Down $255,217 (-2.9%) from 2015

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin97th percentile

Revenue

Up

$227,804

Up $7,913 (+3.6%) from 2015

Expenses

Up

$158,402

Up $8,379 (+5.6%) from 2015

Net Income

Down

$69,402

Down $466 (-0.7%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth20th percentile

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

$15M$10M$5.0M$0Assets 2013: $10,010,795Liabilities 2013: $8,201,223Net Assets 2013: $1,809,5722013Assets 2014: $10,367,581Liabilities 2014: $8,515,197Net Assets 2014: $1,852,3842014Assets 2015: $10,857,070Liabilities 2015: $8,934,818Net Assets 2015: $1,922,2522015Assets 2016: $10,671,256Liabilities 2016: $8,679,601Net Assets 2016: $1,991,6552016Assets 2017: $10,470,571Liabilities 2017: $8,409,160Net Assets 2017: $2,061,4112017Assets 2018: $10,365,814Liabilities 2018: $8,204,028Net Assets 2018: $2,161,7862018Assets 2019: $9,959,617Liabilities 2019: $7,702,049Net Assets 2019: $2,257,5682019Assets 2020: $10,285,239Liabilities 2020: $7,950,388Net Assets 2020: $2,334,8512020Assets 2021: $10,789,423Liabilities 2021: $8,444,824Net Assets 2021: $2,344,5992021Assets 2022: $10,694,300Liabilities 2022: $8,382,851Net Assets 2022: $2,311,4492022Assets 2023: $10,013,369Liabilities 2023: $7,501,389Net Assets 2023: $2,511,9802023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2016

Assets$10,671,256
Liabilities$8,679,601
Net Assets$1,991,655
Open 2016 Filing

Operations Trend

Revenue Growth58th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$400K$300K$200K$100K$0-$100KRevenue 2013: $209,153Expenses 2013: $176,871Net Income 2013: $32,2822013Revenue 2014: $207,437Expenses 2014: $164,625Net Income 2014: $42,8122014Revenue 2015: $219,891Expenses 2015: $150,023Net Income 2015: $69,8682015Revenue 2016: $227,804Expenses 2016: $158,402Net Income 2016: $69,4022016Revenue 2017: $232,594Expenses 2017: $162,838Net Income 2017: $69,7562017Revenue 2018: $250,129Expenses 2018: $149,754Net Income 2018: $100,3752018Revenue 2019: $250,017Expenses 2019: $154,235Net Income 2019: $95,7822019Revenue 2020: $221,864Expenses 2020: $144,581Net Income 2020: $77,2832020Revenue 2021: $144,876Expenses 2021: $135,128Net Income 2021: $9,7482021Revenue 2022: $117,673Expenses 2022: $150,822Net Income 2022: -$33,1492022Revenue 2023: $366,339Expenses 2023: $214,241Net Income 2023: $152,0982023Revenue 2024: $0Expenses 2024: $0Net Income 2024: $02024

Highlighted filing

2016

Revenue$227,804
Expenses$158,402
Net Income$69,402
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 19, 2017
Return Version
2016v3.0
Gross Receipts
$227,804
Mission and Program Overview

Mission

Credit Unions are cooperative savings and credit associations.

Credit unions are cooperative savings and credit associations

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$8,376,214$8,353,640▼ $22,574
Other Notes and Loans Receivable, Net$2,124,787$2,009,433▼ $115,354
Rtn Earn Endowment Incm Other Fnds$1,922,252$1,991,655▲ $69,403
Cash and Non-Interest-Bearing Accounts$222,786$135,565▼ $87,221
Land, Buildings, and Equipment, Net$33,503$31,637▼ $1,866
Prepaid Expenses and Deferred Charges$6,720$15,084▲ $8,364
Total Assets$10,857,070$10,671,256▼ $185,814
Other Assets Total$93,060$125,897▲ $32,837
Liabilities
Accounts Payable and Accrued Expenses$8,934,818$8,679,601▼ $255,217
Total Liabilities$8,934,818$8,679,601▼ $255,217
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,922,252$1,991,655▲ $69,403
Total Liabilities and Net Assets / Fund Balance$10,857,070$10,671,256▼ $185,814

Asset Categories

AssetBook ValueDepreciationBasis
Land$20,000--
Equipment$3,270$5,174-
Leasehold Improvements$8,367$9,471-
Other Assets Org$125,897--
Compensation and Service Providers
Top Officer Pay31st percentile

Employees

NameTitleBaseTotal
Beverly AugustineTreasurer$59,245$59,245

Board Members and Trustees

NameTitle
Charles GrabnerPresident
Judith ThomasikVice President
Francis LuizerDirector
Iona HarhartDirector
James HorvathDirector
John SimkoDirector
Vincent MileticsDirector
Christine NewhardSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$227,804
Other Revenue
$0
Change in Net Assets
$69,402
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$89,938
Other Expenses$68,464
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$59,245
Other Salaries and Wages---$23,431
Office Expenses---$22,876
Occupancy---$11,722
Insurance---$8,147
Payroll Taxes---$7,262
Advertising---$2,195
Other Expenses---$1,776
All Other Expenses---$574
Total Functional Expenses$0$0$0$158,402
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
Lobbying activity
No
Subject to proxy tax
No
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
Yes
Management duties delegated
No

Governance Explanations

Part VI Line 11B

“On 4/10/17, the Board of Directors reviewed Form 990, approved it and gave”

Part VI Line 11B

“approval to file the form with the IRS.”

Part VI Line 19

“Financial statements: in the office and at the annual meeting. Governing”

Part VI Line 19

“documents and conflict of interest policy: in the office.”

Filing and Contact Details

Filer

Filer Name
St Elizabeth Credit Union
EIN
24-0858235
In Care Of
% BEVERLY AUGUSTINE
Phone
6102623772
Address
1903 Main Street, Northampton, PA 18067

Signing Officer

Name
Beverly Augustine
Title
Treasurer
Phone
6102623772
Signed
2017-04-19

Organization Details

Principal Officer
Beverly Augustine
Formed
1934
Legal Domicile
Pa
Voting Board Members
0
Independent Board Members
0
Employees
3
Supplemental Narrative

Additional Explanations

Part IX Line 24E

“ALL OTHER EXPENSES Total expenses - $574.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00”

Raw XML Appendix311 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Financial statements: in the office and at the annual meeting. Governing
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3documents and conflict of interest policy: in the office.
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IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/PersonNm0BEVERLY AUGUSTINE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum06102623772
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-04-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0St Elizabeth Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0STEL
ReturnHeader/Filer/EIN0240858235
ReturnHeader/Filer/InCareOfNm0% BEVERLY AUGUSTINE
ReturnHeader/Filer/PhoneNum06102623772
ReturnHeader/Filer/USAddress/AddressLine1Txt01903 Main Street
ReturnHeader/Filer/USAddress/CityNm0Northampton
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd018067
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0161E2A347C651DE04835D70117DB4515D043BD06
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0161E2A347C651DE04835D70117DB4515D043BD06
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId021010520171091999166
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02017-04-19
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0O
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0207.172.242.137
ReturnHeader/ReturnTs02017-04-19T13:45:00-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$10,671,256
Liabilities
$8,679,601
Net assets
$1,991,655
Revenue
$227,804
Expenses
$158,402
Net income
$69,402
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$0.00$0.00$0.00
2023Detailed filing. Detailed filing data is available for this year.$10.0$7.50$2.51$0.37$0.21$0.15
2022Detailed filing. Detailed filing data is available for this year.$10.7$8.38$2.31$0.12$0.15$0.03
2021Detailed filing. Detailed filing data is available for this year.$10.8$8.44$2.34$0.14$0.14$0.01
2020Detailed filing. Detailed filing data is available for this year.$10.3$7.95$2.33$0.22$0.14$0.08
2019Detailed filing. Detailed filing data is available for this year.$9.96$7.70$2.26$0.25$0.15$0.10
2018Detailed filing. Detailed filing data is available for this year.$10.4$8.20$2.16$0.25$0.15$0.10
2017Detailed filing. Detailed filing data is available for this year.$10.5$8.41$2.06$0.23$0.16$0.07
2016Detailed filing. Detailed filing data is available for this year.$10.7$8.68$1.99$0.23$0.16$0.07
2015Detailed filing. Detailed filing data is available for this year.$10.9$8.93$1.92$0.22$0.15$0.07
2014Detailed filing. Detailed filing data is available for this year.$10.4$8.52$1.85$0.21$0.16$0.04
2013Detailed filing. Detailed filing data is available for this year.$10.0$8.20$1.81$0.21$0.18$0.03