Civic Intelligence

Riverset Credit Union

990 • Fiscal year 2016 • EIN 25-0732150

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 07, 2017

Organization ProfileWWW.RIVERSET.COM

View Organization Page

1700 Jane StreetPittsburgh, PA 15203

(412) 488-2525

Siviq Scores

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

Liabilities / Assets

9th percentile

0.78x

Higher debt load relative to assets than 9% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

33rd percentile

16.10x

Higher debt load relative to revenue than 33% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

54th percentile

11%

Higher net margin than 54% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

58th percentile

$217,579

Higher top officer pay than 58% of similar nonprofits.

Top officer pay equals 3.9% of source-year revenue.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Asset Growth

8th percentile

-0.9%

Faster asset growth than 8% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Revenue Growth

7th percentile

-2.7%

Faster revenue growth than 7% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets9th percentile

Assets

Down

$113,779,694

Down $1,066,742 (-0.9%) from 2015

Net Assets

Up

$25,038,839

Up $634,459 (+2.6%) from 2015

Liabilities

Down

$88,740,855

Down $1,701,201 (-1.9%) from 2015

Revenue And Expenses
Liabilities / Revenue33rd percentileNet Margin54th percentile

Revenue

Down

$5,512,107

Down $155,553 (-2.7%) from 2015

Expenses

Down

$4,895,041

Down $93,380 (-1.9%) from 2015

Net Income

Down

$617,066

Down $62,173 (-9.2%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth8th percentile

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

$150M$100M$50M$0Assets 2010: $117,101,469Liabilities 2010: $94,352,595Net Assets 2010: $22,748,8742010Assets 2011: $120,544,929Liabilities 2011: $97,564,060Net Assets 2011: $22,980,8692011Assets 2012: $120,728,188Liabilities 2012: $97,576,312Net Assets 2012: $23,151,8762012Assets 2013: $119,354,158Liabilities 2013: $96,105,427Net Assets 2013: $23,248,7312013Assets 2014: $115,485,066Liabilities 2014: $91,774,582Net Assets 2014: $23,710,4842014Assets 2015: $114,846,436Liabilities 2015: $90,442,056Net Assets 2015: $24,404,3802015Assets 2016: $113,779,694Liabilities 2016: $88,740,855Net Assets 2016: $25,038,8392016Assets 2017: $113,174,117Liabilities 2017: $87,628,578Net Assets 2017: $25,545,5392017Assets 2018: $114,428,983Liabilities 2018: $88,200,942Net Assets 2018: $26,228,0412018Assets 2019: $110,490,547Liabilities 2019: $83,800,779Net Assets 2019: $26,689,7682019Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2016

Assets$113,779,694
Liabilities$88,740,855
Net Assets$25,038,839
Open 2016 Filing

Operations Trend

Revenue Growth7th percentile

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

$10M$5.0M$0-$5.0MExpenses 2010: $5,768,4172010Expenses 2011: $5,304,2682011Expenses 2012: $5,165,3952012Revenue 2013: $5,102,124Expenses 2013: $4,931,519Net Income 2013: $170,6052013Revenue 2014: $5,506,919Expenses 2014: $5,077,681Net Income 2014: $429,2382014Revenue 2015: $5,667,660Expenses 2015: $4,988,421Net Income 2015: $679,2392015Revenue 2016: $5,512,107Expenses 2016: $4,895,041Net Income 2016: $617,0662016Revenue 2017: $5,698,984Expenses 2017: $5,193,894Net Income 2017: $505,0902017Revenue 2018: $5,874,748Expenses 2018: $5,196,019Net Income 2018: $678,7292018Revenue 2019: $5,683,866Expenses 2019: $5,213,105Net Income 2019: $470,7612019Revenue 2021: $352,184Expenses 2021: $5,316,439Net Income 2021: -$4,964,2552021

Highlighted filing

2016

Revenue$5,512,107
Expenses$4,895,041
Net Income$617,066
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 7, 2017
Return Version
2016v3.0
Gross Receipts
$5,512,107
Mission and Program Overview

Mission

The mission of riverset credit union is to provide low-cost financial institution services to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$83,315,975$85,336,077▲ $2,020,102
Rtn Earn Endowment Incm Other Fnds$24,404,380$25,038,839▲ $634,459
Savings and Temporary Cash Investments$18,045,207$14,760,539▼ $3,284,668
Investments in Publicly Traded Securities$3,983,743$4,002,766▲ $19,023
Land, Buildings, and Equipment, Net$2,464,014$2,387,946▼ $76,068
Investments Program Related$449,200$556,418▲ $107,218
Cash and Non-Interest-Bearing Accounts$279,438$384,240▲ $104,802
Total Assets$114,846,436$113,779,694▼ $1,066,742
Other Assets Total$6,308,859$6,351,708▲ $42,849
Liabilities
Accounts Payable and Accrued Expenses$89,597,670$87,628,913▼ $1,968,757
Other Liabilities$844,386$1,111,942▲ $267,556
Total Liabilities$90,442,056$88,740,855▼ $1,701,201
Net Assets / Fund Balance
Total Net Assets Fund Balance$24,404,380$25,038,839▲ $634,459
Total Liabilities and Net Assets / Fund Balance$114,846,436$113,779,694▼ $1,066,742

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,636,955$1,753,236$3,390,191
Equipment$95,923$1,620,103$1,716,026
Land$655,068-$655,068
Other Assets Org$37,868--
Compensation and Service Providers
Top Officer Pay58th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christine ChojnickiCEOFT$144,421$73,158$217,579
Edward RusnakEvp & CFOFT$114,492$41,494$155,986
George GensureChair-$9,600-$9,600
Gerard PapariellaTreasurer-$9,600-$9,600
Roy ButerbaughVice Chair-$7,600-$7,600
Sylvia WilsonSecretary-$7,600-$7,600
Henry Stephens JrBoard Member-$2,650-$2,650
John WilliamsonBoard Member-$2,025-$2,025
Thomas MotleyBoard Mbr (j-$450-$450

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservCore Processor75 REMITTANCE DRIVE, BUILDING 1 SUITE 200, Chicago, IL 60675$804,902
Lending Solutions INCLending Process2200 POINT BLVD, Elgin, IL 60123$133,195
Enkompas Technology SolutionsIt Services4900 PERRY HIGHWAY, Pittsburgh, PA 15229$106,927
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,665,109
Investment Income
$271,027
Other Revenue
$1,575,971
Change in Net Assets
$617,066
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,132,708
Salaries, Compensation, and Employee Benefits$1,762,333
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,057,034--$1,057,034
Current Officers, Directors, Trustees, and Key Employees$413,090--$413,090
Interest$263,831--$263,831
Office Expenses$220,489--$220,489
Depreciation Depletion$186,989--$186,989
Advertising$145,766--$145,766
Occupancy$143,701--$143,701
Payroll Taxes$117,304--$117,304
Other Employee Benefits$103,616--$103,616
Fees for Services Accounting$93,035--$93,035
Pension Plan Contributions$71,289--$71,289
Fees for Services Legal$68,119--$68,119
Insurance$57,738--$57,738
Other Expenses$49,019--$49,019
Travel$12,896--$12,896
All Other Expenses$7,554--$7,554
Total Functional Expenses$4,895,041$0$0$4,895,041
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
Accrued Deferred Compensation$670,978
Other Liabilities$323,283
Accrued Pension Expense$91,922
Interest Payable$23,891
Fsa$1,868
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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

Form 990, Page 6, Part VI, Line 6

“The organization, a credit union, is organized with members.”

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

“Shareholders of the organization elect some members of the governing body.”

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

“Decisions of the governing body are subject to approval by shareholders.”

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

“Form 990 is reviewed by cfo and other members of management prior to filing.”

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

“The organization monitors compliance with the conflicts policy by periodically reviewing the policy with officers, directors and other key personnel.”

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

“Compensation for all officers and key employees is determined by using third-party analysis of comparable compensation structures within the industry. The board-of-directors approves the compensation after the above analysis.”

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

“Compensation for all officers and key employees is determined by using third-party analysis of comparable compensation structures within the industry. The board-of-directors approves the compensation after the above analysis.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
Riverset Credit Union
EIN
25-0732150
Phone
4124882525
Address
1700 JANE STREET, PITTSBURGH, PA 15203

Signing Officer

Name
Edward Rusnak
Title
Evp & CFO
Phone
4124882525
Signed
2017-11-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Edward Rusnak
Formed
1934
Legal Domicile
Pa
Voting Board Members
6
Independent Board Members
6
Employees
31

Preparer

Firm
Cottrill Arbutina & Associates
Address
525 THIRD STREET, BEAVER, PA 15009-2228
Preparer
Lucas a Rihely CPA Cfe
Phone
7246833400
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Keystone lending alliance tax vs. Gaap difference -1,647”

Raw XML AppendixShowing 400 of 448 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.

Path#Value
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IRS990/OtherExpensesGrp/Desc0EXP-PROFESSIONAL FEES
IRS990/OtherExpensesGrp/Desc1EXP-LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2EXP-LOSS PROVISION
IRS990/OtherExpensesGrp/Desc3EXP-OTHEREXP
IRS990/OtherExpensesGrp/ProgramServicesAmt0907415
IRS990/OtherExpensesGrp/ProgramServicesAmt1725156
IRS990/OtherExpensesGrp/ProgramServicesAmt2251000
IRS990/OtherExpensesGrp/ProgramServicesAmt349019
IRS990/OtherExpensesGrp/TotalAmt0907415
IRS990/OtherExpensesGrp/TotalAmt1725156
IRS990/OtherExpensesGrp/TotalAmt2251000
IRS990/OtherExpensesGrp/TotalAmt349019
IRS990/OtherLiabilitiesGrp/BOYAmt0844386
IRS990/OtherLiabilitiesGrp/EOYAmt01111942
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/Desc0FEE INCOME
IRS990/OtherRevenueMiscGrp/Desc1INTERCHANGE INCOME
IRS990/OtherRevenueMiscGrp/Desc2KEYSTONE LENDING ALLIANCE
IRS990/OtherRevenueMiscGrp/ExclusionAmt0108865
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0907204
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1483991
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0907204
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1483991
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2108865
IRS990/OtherRevenueTotalAmt01575971
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt01057034
IRS990/OtherSalariesAndWagesGrp/TotalAmt01057034
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt083315975
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt085336077
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt0117304
IRS990/PayrollTaxesGrp/TotalAmt0117304
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt071289
IRS990/PensionPlanContributionsGrp/TotalAmt071289
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0EDWARD RUSNAK
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03665109
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03665109
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0269261
IRS990/PYOtherExpensesAmt03226680
IRS990/PYOtherRevenueAmt01640313
IRS990/PYProgramServiceRevenueAmt03758086
IRS990/PYRevenuesLessExpensesAmt0679239
IRS990/PYSalariesCompEmpBnftPaidAmt01761741
IRS990/PYTotalExpensesAmt04988421
IRS990/PYTotalRevenueAmt05667660
IRS990/ReconcilationRevenueExpnssAmt0617066
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt05512107
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt024404380
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt025038839
IRS990/SavingsAndTempCashInvstGrp/BOYAmt018045207
IRS990/SavingsAndTempCashInvstGrp/EOYAmt014760539
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01636955
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01753236
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03390191
IRS990ScheduleD/EquipmentGrp/BookValueAmt095923
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01620103
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01716026
IRS990ScheduleD/LandGrp/BookValueAmt0655068
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0655068
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt04191383
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1930561
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2695661
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3219838
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt4155050
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt5121347
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt637868
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0DEFERRED COMPENSATION INVESTMENT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUA SHARE INS FUND CAPITAL
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2MID-ATLANTIC MEMBERSHIP CAPITAL
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3ACCRUED INTEREST RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4OTHER RECEIVABLES
IRS990ScheduleD/OtherAssetsOrgGrp/Desc5PREPAID ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc6REAL ESTATE LOANS RECEIVABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0670978
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1323283
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt291922
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt323891
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt41868
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ACCRUED DEFERRED COMPENSATION
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1OTHER LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2ACCRUED PENSION EXPENSE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3INTEREST PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4FSA
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02387946
IRS990ScheduleD/TotalBookValueOtherAssetsAmt06351708
IRS990ScheduleD/TotalLiabilityAmt01111942
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0144421
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1114492
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount05856
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount14638
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt060677
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt129479
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt06625
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt17377
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0CHRISTINE CHOJNICKI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1EDWARD RUSNAK
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1EVP & CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0217579
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1155986
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0CHRISTINE CHOJNICKI 0 56,585 0 EDWARD RUSNAK 0 25,532 0
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1AMOUNTS REPORTED UNDER PART I, LINE 4 AS NONQUALIFIED ARE BASED UPON THE AMOUNTS ACCRUED UNDER THE PLAN IN ACCORDANCE WITH ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE J, PAGE 1, PART I, LINE 4
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE J, PART III
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0true
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION, A CREDIT UNION, IS ORGANIZED WITH MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1SHAREHOLDERS OF THE ORGANIZATION ELECT SOME MEMBERS OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY SHAREHOLDERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FORM 990 IS REVIEWED BY CFO AND OTHER MEMBERS OF MANAGEMENT PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION MONITORS COMPLIANCE WITH THE CONFLICTS POLICY BY PERIODICALLY REVIEWING THE POLICY WITH OFFICERS, DIRECTORS AND OTHER KEY PERSONNEL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION FOR ALL OFFICERS AND KEY EMPLOYEES IS DETERMINED BY USING THIRD-PARTY ANALYSIS OF COMPARABLE COMPENSATION STRUCTURES WITHIN THE INDUSTRY. THE BOARD-OF-DIRECTORS APPROVES THE COMPENSATION AFTER THE ABOVE ANALYSIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6COMPENSATION FOR ALL OFFICERS AND KEY EMPLOYEES IS DETERMINED BY USING THIRD-PARTY ANALYSIS OF COMPARABLE COMPENSATION STRUCTURES WITHIN THE INDUSTRY. THE BOARD-OF-DIRECTORS APPROVES THE COMPENSATION AFTER THE ABOVE ANALYSIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7NO DOCUMENTS AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8KEYSTONE LENDING ALLIANCE TAX VS. GAAP DIFFERENCE -1,647
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0114846436
IRS990/TotalAssetsEOYAmt0113779694
IRS990/TotalAssetsGrp/BOYAmt0114846436
IRS990/TotalAssetsGrp/EOYAmt0113779694
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt031
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt04895041
IRS990/TotalFunctionalExpensesGrp/TotalAmt04895041
IRS990/TotalGrossUBIAmt02664
IRS990/TotalLiabilitiesBOYAmt090442056
IRS990/TotalLiabilitiesEOYAmt088740855
IRS990/TotalLiabilitiesGrp/BOYAmt090442056
IRS990/TotalLiabilitiesGrp/EOYAmt088740855
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt024404380
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt025038839
IRS990/TotalOtherCompensationAmt0104158
IRS990/TotalProgramServiceExpensesAmt04895041
IRS990/TotalProgramServiceRevenueAmt03665109
IRS990/TotalReportableCompFromOrgAmt0308932
IRS990/TotalRevenueGrp/ExclusionAmt0108865
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt05400578

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$113,779,694
Liabilities
$88,740,855
Net assets
$25,038,839
Revenue
$5,512,107
Expenses
$4,895,041
Net income
$617,066
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.35$5.32$4.96
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$110$83.8$26.7$5.68$5.21$0.47
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$114$88.2$26.2$5.87$5.20$0.68
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$113$87.6$25.5$5.70$5.19$0.51
2016Detailed filing. Detailed filing data is available for this year.$114$88.7$25.0$5.51$4.90$0.62
2015Detailed filing. Detailed filing data is available for this year.$115$90.4$24.4$5.67$4.99$0.68
2014Detailed filing. Detailed filing data is available for this year.$115$91.8$23.7$5.51$5.08$0.43
2013Detailed filing. Detailed filing data is available for this year.$119$96.1$23.2$5.10$4.93$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$121$97.6$23.2$5.17
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$121$97.6$23.0$5.30
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$117$94.4$22.7$5.77