Civic Intelligence

Moonlight Credit Union

EIN 25-1022419 • 501(c)14 • Worthington, PA

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Profile

The Credit Union is a Cooperative Savings and Credit Organization Chartered September 3, 1947 in the State Of Pennsylvania under State Law for the purpose of promoting thrift amongs its members, creating a source of credit for such members at reasonable rates and is being operated under uniform bylaws adopted br said State.

101 Deer Park Road PO Box 427Worthington, PA 16262

www.moonlightcu.com

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2025

Liabilities / Revenue

35th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Net Margin

99th percentile

58%

Higher net margin than 99% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

72nd percentile

$83,646

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 4.7% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Asset Growth

34th percentile

-100%

Faster asset growth than 34% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

20th percentile

-36%

Faster revenue growth than 20% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $45,344,846 (-100%) from 2022

Liabilities

Down

$0

Down $7,519 (-100%) from 2022

Net Assets

Down

$0

Down $45,337,327 (-100%) from 2022

Operations
Liabilities / Revenue35th percentileNet Margin99th percentile

Revenue

Up

$1,768,680

Up $283,339 (+19%) from 2022

Expenses

Down

$745,050

Down $223,849 (-23%) from 2022

Net Income

Up

$1,023,630

Up $507,188 (+98%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

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

$60M$40M$20M$0Assets 2010: $22,237,128Liabilities 2010: $26,304Net Assets 2010: $22,210,8242010Assets 2011: $24,196,017Liabilities 2011: $20,019Net Assets 2011: $24,175,9982011Assets 2012: $28,127,748Liabilities 2012: $147,687Net Assets 2012: $27,980,0612012Assets 2013: $28,046,319Liabilities 2013: $155,987Net Assets 2013: $27,890,3322013Assets 2014: $28,943,280Liabilities 2014: $31,582Net Assets 2014: $28,911,6982014Assets 2016: $30,046,627Liabilities 2016: $52,349Net Assets 2016: $29,994,2782016Assets 2017: $31,381,988Liabilities 2017: $109,363Net Assets 2017: $31,272,6252017Assets 2018: $30,633,690Liabilities 2018: $127,621Net Assets 2018: $30,506,0692018Assets 2019: $32,651,854Liabilities 2019: $142,621Net Assets 2019: $32,509,2332019Assets 2020: $37,411,497Liabilities 2020: $6,596Net Assets 2020: $37,404,9012020Assets 2021: $42,924,701Liabilities 2021: $10,145Net Assets 2021: $42,914,5562021Assets 2022: $45,344,846Liabilities 2022: $7,519Net Assets 2022: $45,337,3272022Assets 2025: $0Liabilities 2025: $0Net Assets 2025: $02025

Highlighted filing

2025

Assets$0
Liabilities$0
Net Assets$0
Open 2025 Filing

Operations Trend

Revenue Growth20th percentile

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $772,1822010Expenses 2011: $810,8282011Expenses 2012: $738,5352012Revenue 2013: $962,849Expenses 2013: $603,393Net Income 2013: $359,4562013Revenue 2014: $934,274Expenses 2014: $625,510Net Income 2014: $308,7642014Revenue 2016: $1,044,412Expenses 2016: $705,505Net Income 2016: $338,9072016Revenue 2017: $1,127,135Expenses 2017: $666,187Net Income 2017: $460,9482017Revenue 2018: $1,250,825Expenses 2018: $713,968Net Income 2018: $536,8572018Revenue 2019: $1,350,054Expenses 2019: $751,488Net Income 2019: $598,5662019Revenue 2020: $1,336,910Expenses 2020: $771,742Net Income 2020: $565,1682020Revenue 2021: $1,330,432Expenses 2021: $802,903Net Income 2021: $527,5292021Revenue 2022: $1,485,341Expenses 2022: $968,899Net Income 2022: $516,4422022Revenue 2025: $1,768,680Expenses 2025: $745,050Net Income 2025: $1,023,6302025

Highlighted filing

2025

Revenue$1,768,680
Expenses$745,050
Net Income$1,023,630
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$1,768,680
Expenses
$745,050
Net income
$1,023,630
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$1.77$0.75$1.02
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$45.3$0.01$45.3$1.49$0.97$0.52
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.9$0.01$42.9$1.33$0.80$0.53
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$37.4$0.01$37.4$1.34$0.77$0.57
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$32.7$0.14$32.5$1.35$0.75$0.60
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.6$0.13$30.5$1.25$0.71$0.54
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.4$0.11$31.3$1.13$0.67$0.46
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$30.0$0.05$30.0$1.04$0.71$0.34
2014Detailed filing. Detailed filing data is available for this year.$28.9$0.03$28.9$0.93$0.63$0.31
2013Detailed filing. Detailed filing data is available for this year.$28.0$0.16$27.9$0.96$0.60$0.36
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.1$0.15$28.0$0.74
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.2$0.02$24.2$0.81
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.2$0.03$22.2$0.77
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Jul 31, 2025
Signed
Feb 17, 2026
Return Version
2025v4.0
Gross Receipts
$1,768,680
Mission and Program Overview

Mission

The credit union is a cooperative savings and credit organization chartered September 3, 1947 in the state of PA. Under state law for the purpose of promoting thrift among its members, creating a source of credit for such members at reasonable rates, and is being operated under uniform bylaws adapted for said state.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$43,290,555$0▼ $43,290,555
Other Notes and Loans Receivable, Net$34,493,983$0▼ $34,493,983
Investments Program Related$15,203,267$0▼ $15,203,267
Rtn Earn Endowment Incm Other Fnds$8,090,328$0▼ $8,090,328
Land, Buildings, and Equipment, Net$773,844$0▼ $773,844
Cash and Non-Interest-Bearing Accounts$249,071$0▼ $249,071
Prepaid Expenses and Deferred Charges$96,109$0▼ $96,109
Savings and Temporary Cash Investments$0$0→ $0
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Total Assets$51,382,725$0▼ $51,382,725
Other Assets Total$566,451$0▼ $566,451
Liabilities
Other Liabilities$1,842$0▼ $1,842
Total Liabilities$1,842$0▼ $1,842
Net Assets / Fund Balance
Total Net Assets Fund Balance$51,380,883$0▼ $51,380,883
Total Liabilities and Net Assets / Fund Balance$51,382,725$0▼ $51,382,725
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Karen JanoskiCEOFT$83,646$83,646

Board Members and Trustees

NameTitle
Denny Shelton1st Chair
Desmond WaldorChairman
Sue MosbergerSupervisory Committee Chairman
Carl PetersBoard Member
Charlene PerineSecretary
Diana ClaypoolSupervisory Committee
Karen BothellSupervisory Committee
Marilyn StrobelSupervisory Committee
Sue LashSupervisory Committee
John RoofnerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,444,255
Investment Income
$324,425
Other Revenue
$0
Change in Net Assets
$1,023,630
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$434,573
Salaries, Compensation, and Employee Benefits$310,477
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$292,243
Other Salaries and Wages---$144,017
Current Officers, Directors, Trustees, and Key Employees---$86,646
Information Technology---$76,242
Other Employee Benefits---$41,465
Payroll Taxes---$23,031
Occupancy---$22,814
Pension Plan Contributions---$15,318
Insurance---$11,219
Advertising---$9,734
Conferences and Meetings---$6,151
Fees for Services Accounting---$5,000
Other Expenses---$4,870
Total Functional Expenses$0$0$0$745,050
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 Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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
No
Other officer compensation reviewed
No
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, Part VI, Section A, Line 6

“the credit union has members that have voting rights to select the board of directors by ballot annually.”

Form 990, Part VI, Section A, Line 7A

“members elect the officers of the credit union each year at the annual meeting of the membership”

Form 990, Part VI, Section A, Line 7B

“all changes to the article of corporation / bylaws require a vote by the general membership”

Form 990, Part VI, Section B, Line 11B

“this report is reviewed by management”

Form 990, Part VI, Section B, Line 12C

“there is a yearly review in which signed disclosures by the volunteers are required”

Form 990, Part VI, Section C, Line 19

“upon request”

Filing and Contact Details

Filer

Filer Name
Moonlight Credit Union
EIN
25-1022419
Phone
7242973084
Address
101 Deer Park Road PO Box 427, Worthington, PA 16262

Signing Officer

Name
Karen Janoski
Title
CEO
Phone
7242973084
Signed
2026-02-17

Organization Details

Principal Officer
Karen Janoski
Formed
1947
Legal Domicile
Pa
Voting Board Members
5
Independent Board Members
0
Employees
12
Volunteers
10
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 3

“Effective August 1, 2026 the credit union converted from a State Charter to a Federal Charter.”

Form 990, Part XI, Line 9

“converted to a federal credit union”

Raw XML AppendixShowing 400 of 469 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
IRS990/AccountantCompileOrReviewInd01
IRS990/AccountsReceivableGrp/BOYAmt00
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0The credit union is a cooperative savings and credit organization chartered September 3, 1947 in the state of PA. Under state law for the purpose of promoting thrift among its members, creating a source of credit for such members at reasonable rates, and is being operated under uniform bylaws adapted for said state.
IRS990/AdvertisingGrp/TotalAmt09734
IRS990/AllOtherExpensesGrp/TotalAmt00
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Karen Janoski
IRS990/BooksInCareOfDetail/PhoneNum07242973084
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0101 Deer Park Road PO Box 427
IRS990/BooksInCareOfDetail/USAddress/CityNm0Worthington
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0PA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd016262
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt043290555
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0249071
IRS990/CashNonInterestBearingGrp/EOYAmt00
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt086646
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt06151
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractTerminationInd0X
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0324425
IRS990/CYOtherExpensesAmt0434573
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01444255
IRS990/CYRevenuesLessExpensesAmt01023630
IRS990/CYSalariesCompEmpBnftPaidAmt0310477
IRS990/CYTotalExpensesAmt0745050
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01768680
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0THE CREDIT UNION PROVIDES LOANS WITH FAIR INTEREST RATES & PAYS DIVIDENDS ABOVE MARKET TO A GROWING MEMBERSHIP BASE
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt012
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt05000
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/FinalReturnInd0X
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt100
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/PersonNm0Karen Janoski
IRS990/Form990PartVIISectionAGrp/PersonNm1Sue Mosberger
IRS990/Form990PartVIISectionAGrp/PersonNm2Diana Claypool
IRS990/Form990PartVIISectionAGrp/PersonNm3Marilyn Strobel
IRS990/Form990PartVIISectionAGrp/PersonNm4Sue Lash
IRS990/Form990PartVIISectionAGrp/PersonNm5Karen Bothell
IRS990/Form990PartVIISectionAGrp/PersonNm6John Roofner
IRS990/Form990PartVIISectionAGrp/PersonNm7Denny Shelton
IRS990/Form990PartVIISectionAGrp/PersonNm8Charlene Perine
IRS990/Form990PartVIISectionAGrp/PersonNm9Desmond Waldor
IRS990/Form990PartVIISectionAGrp/PersonNm10Carl Peters
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Supervisory Committee Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt3Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt4Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt5Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt6Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt71st Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt8Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt9Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt10Board Member
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01947
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
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IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt076242
IRS990/InsuranceGrp/TotalAmt011219
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
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IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt00
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IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt015203267
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt00
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0773844
IRS990/LandBldgEquipBasisNetGrp/EOYAmt00
IRS990/LandBldgEquipCostOrOtherBssAmt00
IRS990/LegalDomicileStateCd0PA
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0The credit union is a cooperative savings and credit organization chartered September 3, 1947 in the state of PA. Under state law for the purpose of promoting thrift among its members, creating a source of credit for such members at reasonable rates, and is being operated under uniform bylaws adapted for said state.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt051380883
IRS990/NetAssetsOrFundBalancesEOYAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt022814
IRS990/OfficeExpensesGrp/TotalAmt0292243
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0566451
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherChangesInNetAssetsAmt0-52404513
IRS990/OtherEmployeeBenefitsGrp/TotalAmt041465
IRS990/OtherExpensesGrp/Desc0SUPERVISORY EXAM FEES
IRS990/OtherExpensesGrp/Desc1ANNUAL MEETING
IRS990/OtherExpensesGrp/TotalAmt06300
IRS990/OtherExpensesGrp/TotalAmt14870
IRS990/OtherLiabilitiesGrp/BOYAmt01842
IRS990/OtherLiabilitiesGrp/EOYAmt00
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0144017
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt034493983
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd01
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt023031
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt015318
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt096109
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Karen Janoski
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522210
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0interest on loans
IRS990/ProgramServiceRevenueGrp/Desc1interest on visa
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt01261673
IRS990/ProgramServiceRevenueGrp/ExclusionAmt131776
IRS990/ProgramServiceRevenueGrp/ExclusionAmt2150806
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt20
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01261673
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt131776
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2150806
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0590098
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0675857
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02163182
IRS990/PYRevenuesLessExpensesAmt01617520
IRS990/PYSalariesCompEmpBnftPaidAmt0459903
IRS990/PYTotalExpensesAmt01135760
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02753280
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt01023630
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08090328
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleN/AssetsDistributedInd01
IRS990ScheduleN/BondsOutstandingInd00
IRS990ScheduleN/DirectorOfSuccessor2Ind01
IRS990ScheduleN/DirectorOfSuccessorInd01
IRS990ScheduleN/DispositionOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0transferred to federal credit union
IRS990ScheduleN/DispositionOfAssetsDetail/BusinessName/BusinessNameLine1Txt0MOONLIGHT FEDERAL CREDIT UNION
IRS990ScheduleN/DispositionOfAssetsDetail/DistributionDt02025-07-31
IRS990ScheduleN/DispositionOfAssetsDetail/EIN0251022419
IRS990ScheduleN/DispositionOfAssetsDetail/FairMarketValueOfAssetAmt050969732
IRS990ScheduleN/DispositionOfAssetsDetail/IRCSectionTxt0FEDERAL CREDIT UNION 501C1
IRS990ScheduleN/DispositionOfAssetsDetail/MethodOfFMVDeterminationTxt0balance sheet
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/AddressLine1Txt0101 DEER PARK RD
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/AddressLine2Txt0PO BOX 427
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/CityNm0WORTHINGTON
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/StateAbbreviationCd0PA
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/ZIPCd016262
IRS990ScheduleN/EmployeeOfSuccessor2Ind01
IRS990ScheduleN/EmployeeOfSuccessorInd01
IRS990ScheduleN/LiabilitiesPaidInd01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0MOONLIGHT CREDIT UNION LEFT THE PA STATE CHARTER AND BECAME A FEDERAL CREDIT UNION EFFECTIVE AUGUST 1, 2026. NO ASSETS WERE DISTRIBUTED.
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0MOONLIGHT FEDERAL CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02025-07-31
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0251022419
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt050969732
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0MOONLIGHT CREDIT UNION LEFT THE PA STATE CHARTER AND BECAME A FEDERAL CREDIT UNION EFFECTIVE AUGUST 1, 2026. NO ASSETS WERE DISTRIBUTED.
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt0101 DEER PARK RD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine2Txt0PO BOX 427
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0WORTHINGTON
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0PA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd016262
IRS990ScheduleN/OwnerOfSuccessor2Ind00
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensation2Ind00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd00
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0ALL BOARD MEMBERS AND VOLUNTEERS REMAIN THE SAME AS LISTED IN SECTION VII OF FORM 990. HIGHEST PAID EMPLOYEE ALSO REMAINS. THERE WAS NO CHANGE OF ANY EMPLOYEES, JUST GOVERNING BODIES.
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt1the credit union changed from a PA state charter to a federal charter. The name changed from Moonlight Credit Union to Moonlight Federal Credit Union.
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt2ALL BOARD MEMBERS AND THE CEO REMAIN THE SAME
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule N, Part I, Line 2
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc1Schedule N, Part I, Line 3
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc2Schedule N, Part II, Line 2
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Effective August 1, 2026 the credit union converted from a State Charter to a Federal Charter.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1the credit union has members that have voting rights to select the board of directors by ballot annually.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2members elect the officers of the credit union each year at the annual meeting of the membership
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3all changes to the article of corporation / bylaws require a vote by the general membership
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4this report is reviewed by management
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5there is a yearly review in which signed disclosures by the volunteers are required
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6upon request
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7converted to a federal credit union
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part III, Line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd01
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0PA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd01

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