Civic Intelligence

Moonlight Credit Union

990 • Fiscal year 2016 • EIN 25-1022419

Jan 01, 2016 to Dec 31, 2016 • Filed on Jun 30, 2017

101 Deer Park RoadWorthington, PA 16262

(724) 297-3084

Siviq Scores

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

Liabilities / Assets

2nd percentile

0.00x

Higher debt load relative to assets than 2% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

1st percentile

0.05x

Higher debt load relative to revenue than 1% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

99th percentile

32%

Higher net margin than 99% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

23rd percentile

$73,800

Higher top officer pay than 23% of similar nonprofits.

Top officer pay equals 7.1% of source-year revenue.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Asset Growth

49th percentile

2.9%

Faster asset growth than 49% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

92nd percentile

12%

Faster revenue growth than 92% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Assets

Up

$30,046,627

Up $1,103,347 (+3.8%) from 2014

Net Assets

Up

$29,994,278

Up $1,082,580 (+3.7%) from 2014

Liabilities

Up

$52,349

Up $20,767 (+66%) from 2014

Revenue

Up

$1,044,412

Up $110,138 (+12%) from 2014

Expenses

Up

$705,505

Up $79,995 (+13%) from 2014

Net Income

Up

$338,907

Up $30,143 (+9.8%) from 2014

Historical Trend

Balance Sheet Trend

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

$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

2016

Assets$30,046,627
Liabilities$52,349
Net Assets$29,994,278

Operations Trend

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

2016

Revenue$1,044,412
Expenses$705,505
Net Income$338,907
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jun 30, 2017
Return Version
2016v3.0
Gross Receipts
$1,044,412
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$25,008,886$25,639,365▲ $630,479
Other Notes and Loans Receivable, Net$16,711,636$17,007,706▲ $296,070
Investments Program Related$11,038,330$11,646,906▲ $608,576
Rtn Earn Endowment Incm Other Fnds$4,048,698$4,354,913▲ $306,215
Land, Buildings, and Equipment, Net$1,037,146$1,016,806▼ $20,340
Cash and Non-Interest-Bearing Accounts$403,489$358,833▼ $44,656
Prepaid Expenses and Deferred Charges$13,359$1,200▼ $12,159
Savings and Temporary Cash Investments$26$26→ $0
Receivables From Officers Etc$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$29,207,842$30,046,627▲ $838,785
Other Assets Total$3,856$15,150▲ $11,294
Liabilities
Other Liabilities$150,258$52,349▼ $97,909
Total Liabilities$150,258$52,349▼ $97,909
Net Assets / Fund Balance
Total Net Assets Fund Balance$29,057,584$29,994,278▲ $936,694
Total Liabilities and Net Assets / Fund Balance$29,207,842$30,046,627▲ $838,785

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$248,623--
Buildings$852,852$0$0
Other Land Buildings$27,000$0$0
Land$80,182-$0
Equipment$56,772$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Kelly FriedlManagerFT$73,800$73,800

Board Members and Trustees

NameTitle
Denny shelton1st Chair
Willard burnsChairman
Sue mosbergerS/C chair
Desmond waldorBm
Karen bothellSc member
Marilyn srobelSc member
Sue lashSc member
Diana claypoolSc secretary
Candy DecockSecretary
Charlene PerineTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$896,844
Investment Income
$147,568
Other Revenue
$0
Change in Net Assets
$338,907
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$420,037
Other Expenses$285,468
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$197,018--$197,018
Office Expenses$129,582--$129,582
Current Officers, Directors, Trustees, and Key Employees$73,800--$73,800
Other Employee Benefits$61,153--$61,153
Pension Plan Contributions$60,232--$60,232
Occupancy$43,235--$43,235
Fees for Services Accounting$36,348--$36,348
Depreciation Depletion$33,000--$33,000
Payroll Taxes$27,834--$27,834
Insurance$15,423--$15,423
Advertising$12,950--$12,950
Other Expenses$6,076$0$0$6,076
Conferences and Meetings$4,093--$4,093
Travel$2,700--$2,700
Total Functional Expenses$705,505$0$0$705,505
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$0--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Pension payable$38,603
Misc payables$13,746
Governance and Compliance

Governance Checklist

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

Form 990, Part VI, Section A, Line 6

The credit undoing have members with voting rights

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

All members vote in the governing body on a yearly basis at the annual meeting

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

The members make all decisions to any bylaw changes

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

Reviewed by management

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

Yearly signed disclosures

Form 990, Part VI, Section B, Line 15

Participation then availability in salary reviews

Form 990, Part VI, Section C, Line 19

Financial statements are made available for public viewing in the CU lobby each month

Filing and Contact Details

Filer

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

Signing Officer

Name
Candy Decock
Title
Secretary
Phone
7242973084
Signed
2017-06-30

Organization Details

Formed
1947
Legal Domicile
Pa
Voting Board Members
5
Independent Board Members
0
Employees
8
Volunteers
10
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

Increase in net assets less dividends paid to members

Raw XML AppendixShowing 400 of 459 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/RelatedOrExemptFuncIncomeAmt10
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0771052
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1125792
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0118461
IRS990/PYOtherExpensesAmt0219692
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0813852
IRS990/PYRevenuesLessExpensesAmt0319871
IRS990/PYSalariesCompEmpBnftPaidAmt0392750
IRS990/PYTotalExpensesAmt0612442
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0932313
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0338907
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt01044412
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04048698
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04354913
IRS990/SavingsAndTempCashInvstGrp/BOYAmt026
IRS990/SavingsAndTempCashInvstGrp/EOYAmt026
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0852852
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0852852
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt056772
IRS990ScheduleD/EquipmentGrp/DepreciationAmt00
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt056772
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt09779000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt11619283
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2248623
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CDs
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1MACFCU
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2NCUSIF
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/LandGrp/BookValueAmt080182
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt080182
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt027000
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt027000
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt038603
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt113746
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Pension payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Misc payables
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01016806
IRS990ScheduleD/TotalBookValueProgramRltdAmt011646906
IRS990ScheduleD/TotalLiabilityAmt052349
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt037267
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt19850
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt214156
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0HOme
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Home
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt038170
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt110665
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt220000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0W Burns
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1S Mosberger
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2S Lash
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CHairman
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1SC Chair
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2SC member
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/TotalBalanceDueAmt061273
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The credit undoing have members with voting rights
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1All members vote in the governing body on a yearly basis at the annual meeting
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The members make all decisions to any bylaw changes
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Reviewed by management
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Yearly signed disclosures
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Participation then availability in salary reviews
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Financial statements are made available for public viewing in the CU lobby each month
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Increase in net assets less dividends paid to members
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0PA
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt029207842
IRS990/TotalAssetsEOYAmt030046627
IRS990/TotalAssetsGrp/BOYAmt029207842
IRS990/TotalAssetsGrp/EOYAmt030046627
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0705505
IRS990/TotalFunctionalExpensesGrp/TotalAmt0705505

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Filings

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
2016Detailed filing. Detailed filing data is available for this year.$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