Civic Intelligence

Tendto Credit Union

EIN 25-1086321 • 501(c)14 • Erie, PA

View Organization Page

Profile

Our mission is to provide the best service available while remaining a strong and viable credit union for many years to come.

1129 State StreetErie, PA 16501

www.tendtocu.com

Siviq Scores

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

Liabilities / Assets

99th percentile

0.96x

Higher debt load relative to assets than 99% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2022

Liabilities / Revenue

93rd percentile

24.41x

Higher debt load relative to revenue than 93% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2022

Net Margin

25th percentile

5.4%

Higher net margin than 25% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

40th percentile

1.1%

Faster asset growth than 40% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2021 to 2022

Revenue Growth

11th percentile

0.4%

Faster revenue growth than 11% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$135,424,961

Up $2,150,003 (+1.6%) from 2023

Liabilities

Up

$128,251,232

Up $1,632,045 (+1.3%) from 2023

Net Assets

Up

$7,173,729

Up $517,958 (+7.8%) from 2023

Operations
Liabilities / Revenue93rd percentileNet Margin25th percentile

Revenue

Up

$7,085,082

Up $287,422 (+4.2%) from 2023

Expenses

Up

$6,661,582

Up $572,886 (+9.4%) from 2023

Net Income

Down

$423,500

Down $285,464 (-40%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth40th percentile

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

$150M$100M$50M$0Assets 2010: $92,846,490Liabilities 2010: $85,764,259Net Assets 2010: $7,082,2312010Assets 2011: $95,439,927Liabilities 2011: $87,722,521Net Assets 2011: $7,717,4062011Assets 2012: $97,162,012Liabilities 2012: $89,127,178Net Assets 2012: $8,034,8342012Assets 2013: $98,602,472Liabilities 2013: $90,969,985Net Assets 2013: $7,632,4872013Assets 2014: $101,420,813Liabilities 2014: $92,817,423Net Assets 2014: $8,603,3902014Assets 2015: $106,667,771Liabilities 2015: $97,604,764Net Assets 2015: $9,063,0072015Assets 2016: $108,813,494Liabilities 2016: $99,415,986Net Assets 2016: $9,397,5082016Assets 2018: $107,666,041Liabilities 2018: $100,040,916Net Assets 2018: $7,625,1252018Assets 2019: $111,377,350Liabilities 2019: $102,670,693Net Assets 2019: $8,706,6572019Assets 2020: $128,721,333Liabilities 2020: $119,629,547Net Assets 2020: $9,091,7862020Assets 2021: $140,698,477Liabilities 2021: $131,527,733Net Assets 2021: $9,170,7442021Assets 2022: $142,215,827Liabilities 2022: $137,017,915Net Assets 2022: $5,197,9122022Assets 2023: $133,274,958Liabilities 2023: $126,619,187Net Assets 2023: $6,655,7712023Assets 2024: $135,424,961Liabilities 2024: $128,251,232Net Assets 2024: $7,173,7292024

Highlighted filing

2024

Assets$135,424,961
Liabilities$128,251,232
Net Assets$7,173,729
Open 2024 Filing

Operations Trend

Revenue Growth11th percentile

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $4,583,0032010Expenses 2011: $4,561,8252011Expenses 2012: $4,422,2092012Revenue 2013: $4,505,959Expenses 2013: $4,074,837Net Income 2013: $431,1222013Revenue 2014: $4,609,155Expenses 2014: $4,201,225Net Income 2014: $407,9302014Revenue 2015: $5,327,385Expenses 2015: $4,882,945Net Income 2015: $444,4402015Revenue 2016: $5,931,067Expenses 2016: $5,658,754Net Income 2016: $272,3132016Revenue 2018: $5,923,814Expenses 2018: $6,317,422Net Income 2018: -$393,6082018Revenue 2019: $6,022,702Expenses 2019: $5,252,065Net Income 2019: $770,6372019Revenue 2020: $5,315,582Expenses 2020: $4,928,642Net Income 2020: $386,9402020Revenue 2021: $5,588,954Expenses 2021: $4,682,694Net Income 2021: $906,2602021Revenue 2022: $5,612,057Expenses 2022: $5,309,840Net Income 2022: $302,2172022Revenue 2023: $6,797,660Expenses 2023: $6,088,696Net Income 2023: $708,9642023Revenue 2024: $7,085,082Expenses 2024: $6,661,582Net Income 2024: $423,5002024

Highlighted filing

2024

Revenue$7,085,082
Expenses$6,661,582
Net Income$423,500
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$135,424,961
Liabilities
$128,251,232
Net assets
$7,173,729
Revenue
$7,085,082
Expenses
$6,661,582
Net income
$423,500
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$135$128$7.17$7.09$6.66$0.42
2023Detailed filing. Detailed filing data is available for this year.$133$127$6.66$6.80$6.09$0.71
2022Detailed filing. Detailed filing data is available for this year.$142$137$5.20$5.61$5.31$0.30
2021Detailed filing. Detailed filing data is available for this year.$141$132$9.17$5.59$4.68$0.91
2020Detailed filing. Detailed filing data is available for this year.$129$120$9.09$5.32$4.93$0.39
2019Detailed filing. Detailed filing data is available for this year.$111$103$8.71$6.02$5.25$0.77
2018Detailed filing. Detailed filing data is available for this year.$108$100$7.63$5.92$6.32$0.39
2016Detailed filing. Detailed filing data is available for this year.$109$99.4$9.40$5.93$5.66$0.27
2015Detailed filing. Detailed filing data is available for this year.$107$97.6$9.06$5.33$4.88$0.44
2014Detailed filing. Detailed filing data is available for this year.$101$92.8$8.60$4.61$4.20$0.41
2013Detailed filing. Detailed filing data is available for this year.$98.6$91.0$7.63$4.51$4.07$0.43
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$97.2$89.1$8.03$4.42
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$95.4$87.7$7.72$4.56
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$92.8$85.8$7.08$4.58
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 15, 2025
Return Version
2024v5.1
Gross Receipts
$7,085,082
Mission and Program Overview

Mission

Our mission is to provide the best service available while remaining a strong and viable credit union for many years to come.

To conduct the ordinary and necessary business of a credit union involving the receiving of savings of members and lending money to members for provident purposes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$70,430,948$67,305,337▼ $3,125,611
Investments Other Securities$28,023,258$36,892,137▲ $8,868,879
Savings and Temporary Cash Investments$7,689,230$14,122,381▲ $6,433,151
Investments Program Related$18,531,412$8,446,866▼ $10,084,546
Rtn Earn Endowment Incm Other Fnds$6,655,771$7,173,729▲ $517,958
Land, Buildings, and Equipment, Net$4,697,873$4,689,245▼ $8,628
Cash and Non-Interest-Bearing Accounts$1,317,871$1,195,848▼ $122,023
Accounts Receivable$401,638$363,057▼ $38,581
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$133,274,958$135,424,961▲ $2,150,003
Other Assets Total$2,182,728$2,410,090▲ $227,362
Liabilities
Other Liabilities$122,836,798$125,254,790▲ $2,417,992
Accounts Payable and Accrued Expenses$3,782,389$2,996,442▼ $785,947
Total Liabilities$126,619,187$128,251,232▲ $1,632,045
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,655,771$7,173,729▲ $517,958
Total Liabilities and Net Assets / Fund Balance$133,274,958$135,424,961▲ $2,150,003

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,751,567$1,228,141$4,979,708
Equipment$352,278$573,542$925,820
Land$585,400-$585,400
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Mike KalieCEO/PresidentFT$197,454$197,454
Brian PalotasCOOFT$127,098$127,098
Wade BrinkCFOFT$121,584$121,584
Debra M GriffisDirectorPT$1,800$1,800
Jody MoyerDirectorPT$1,500$1,500
Ryan HeidtChairPT$1,375$1,375
Stacy BuczynskiSecretaryPT$1,375$1,375
Jeffrey J OrlandoDirectorPT$1,300$1,300
Richard A Killian JrVice ChairPT$1,250$1,250
Jacob M RobertsonDirectorPT$1,200$1,200
John FlickTreasurerPT$1,000$1,000
Karolina ZielinskiDirectorPT$1,000$1,000
Mark KloeckerDirectorPT$800$800
John OrlandoDirectorPT$750$750
Tim Kaercher IIDirectorPT$700$700

Highest Paid Contractors

ContractorServicesLocationCompensation
CU InterfaceCore Processor1100 Campus Drive Suite 700, Stow, OH 44224-
FIS Credit CardCredit Card ProcessingPO Box 4535, Carol Stream, IL 60197-4535-
World Pay Holding LLCData Processing8500 Governors Hill Drive, Symmes Township, OH 45249-
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,084,504
Investment Income
$1,000,578
Other Revenue
$0
Change in Net Assets
$423,500
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,033,329
Salaries, Compensation, and Employee Benefits$2,362,624
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,902,438
Benefits to Members---$1,265,629
Current Officers, Directors, Trustees, and Key Employees---$460,186
Office Expenses---$440,917
Occupancy---$375,884
Other Expenses---$243,217
All Other Expenses---$105,087
Travel---$22,989
Total Functional Expenses$0$0$0$6,661,582
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-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposits$125,254,790
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
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

“Membership in our credit union is open to all persons who live, work, worship, or attend school in Erie County, PA.”

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

“Members vote for the Board of Directors.”

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

“Members vote on Bylaw Changes.”

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

“Form 990 was review by the CEO prior to filing.”

Form 990, Part VI, Section B, Line 15A

“The Board of Directors sets the annual increase for these positions based on industry standards set by CUNA annual salary survey.”

Form 990, Part VI, Section B, Line 15B

“The Board of Directors sets the annual increase for these positions based on industry standards set by CUNA annual salary survey.”

Form 990, Part VI, Section C, Line 19

“Governing documents and financial statements are available at each location.”

Filing and Contact Details

Filer

Filer Name
Tendto Credit Union
EIN
25-1086321
Phone
8144556400
Address
1129 State Street, Erie, PA 16501

Signing Officer

Name
Wade Brink
Title
CFO
Signed
2025-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael W Kalie
Formed
1958
Legal Domicile
Pa
Voting Board Members
12
Independent Board Members
12
Employees
35

Preparer

Firm
Maloney Reed Scarpitti & Company LLP
Address
113 Meadville St, Edinboro, PA 16412
Preparer
Christopher Elwell CPA
Phone
8147343787
Raw XML AppendixShowing 400 of 462 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt03782389
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02996442
IRS990/AccountsReceivableGrp/BOYAmt0401638
IRS990/AccountsReceivableGrp/EOYAmt0363057
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0To conduct the ordinary and necessary business of a credit union involving the receiving of savings of members and lending money to members for provident purposes.
IRS990/AdvertisingGrp/TotalAmt00
IRS990/AllOtherExpensesGrp/TotalAmt0105087
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt01265629
IRS990/BooksInCareOfDetail/PersonNm0Michael W Kalie
IRS990/BooksInCareOfDetail/PhoneNum08144556400
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01129 State Street
IRS990/BooksInCareOfDetail/USAddress/CityNm0Erie
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0PA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd016501
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt01317871
IRS990/CashNonInterestBearingGrp/EOYAmt01195848
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0460186
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt01100 Campus Drive Suite 700
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1PO Box 4535
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt28500 Governors Hill Drive
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0Stow
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1Carol Stream
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2Symmes Township
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0OH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2OH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd044224
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd1601974535
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd245249
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0CU Interface
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1FIS Credit Card
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2World Pay Holding LLC
IRS990/ContractorCompensationGrp/ServicesDesc0Core Processor
IRS990/ContractorCompensationGrp/ServicesDesc1Credit Card Processing
IRS990/ContractorCompensationGrp/ServicesDesc2Data Processing
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt01265629
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01000578
IRS990/CYOtherExpensesAmt03033329
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt06084504
IRS990/CYRevenuesLessExpensesAmt0423500
IRS990/CYSalariesCompEmpBnftPaidAmt02362624
IRS990/CYTotalExpensesAmt06661582
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt07085082
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0$929,470 dividends paid on 22,733 member accounts.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt035
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt130.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt35.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt45.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt55.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt65.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt75.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt85.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt95.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt105.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt115.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt125.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt135.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt145.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
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/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/PersonNm0Mike Kalie
IRS990/Form990PartVIISectionAGrp/PersonNm1Brian Palotas
IRS990/Form990PartVIISectionAGrp/PersonNm2Wade Brink
IRS990/Form990PartVIISectionAGrp/PersonNm3Debra M Griffis
IRS990/Form990PartVIISectionAGrp/PersonNm4Jody Moyer
IRS990/Form990PartVIISectionAGrp/PersonNm5Stacy Buczynski
IRS990/Form990PartVIISectionAGrp/PersonNm6Ryan Heidt
IRS990/Form990PartVIISectionAGrp/PersonNm7Jeffrey J Orlando
IRS990/Form990PartVIISectionAGrp/PersonNm8Richard A Killian Jr
IRS990/Form990PartVIISectionAGrp/PersonNm9Jacob M Robertson
IRS990/Form990PartVIISectionAGrp/PersonNm10Karolina Zielinski
IRS990/Form990PartVIISectionAGrp/PersonNm11John Flick
IRS990/Form990PartVIISectionAGrp/PersonNm12Mark Kloecker
IRS990/Form990PartVIISectionAGrp/PersonNm13John Orlando
IRS990/Form990PartVIISectionAGrp/PersonNm14Tim Kaercher II
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0197454
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1127098
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2121584
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt31800
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt41500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt51375
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt61375
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt71300
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt81250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt91200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt101000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt111000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12800
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14700
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO/President
IRS990/Form990PartVIISectionAGrp/TitleTxt1COO
IRS990/Form990PartVIISectionAGrp/TitleTxt2CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt6Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13Director
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01958
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/ConsolAndSepBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt012
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt07085082
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt012
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt01000578
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01000578
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt028023258
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt036892137
IRS990/InvestmentsProgramRelatedGrp/BOYAmt018531412
IRS990/InvestmentsProgramRelatedGrp/EOYAmt08446866
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt012
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01801683
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04697873
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04689245
IRS990/LandBldgEquipCostOrOtherBssAmt06490928
IRS990/LegalDomicileStateCd0PA
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Our mission is to provide the best service available while remaining a strong and viable credit union for many years to come.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt06655771
IRS990/NetAssetsOrFundBalancesEOYAmt07173729
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt094458
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0375884
IRS990/OfficeExpensesGrp/TotalAmt0440917
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02182728
IRS990/OtherAssetsTotalGrp/EOYAmt02410090
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Professional & Outside
IRS990/OtherExpensesGrp/Desc1Loan Servicing
IRS990/OtherExpensesGrp/Desc2Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc3Educational and Promoti
IRS990/OtherExpensesGrp/TotalAmt01039133
IRS990/OtherExpensesGrp/TotalAmt1427568
IRS990/OtherExpensesGrp/TotalAmt2378534
IRS990/OtherExpensesGrp/TotalAmt3243217
IRS990/OtherLiabilitiesGrp/BOYAmt0122836798
IRS990/OtherLiabilitiesGrp/EOYAmt0125254790
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0Other Non-Operating Income
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt01902438
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt070430948
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt067305337
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Michael W Kalie
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0Fee Income
IRS990/ProgramServiceRevenueGrp/Desc1Loan Interest Income
IRS990/ProgramServiceRevenueGrp/Desc2Other Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0907054
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14398813
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2767566
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0918125
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14398813
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2767566
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt011071
IRS990/ProgSrvcAccomActy2Grp/Desc0The credit union had 6,852 loans outstanding as of December 31, 2023 with balances of $71,146,367
IRS990/ProgSrvcAccomActy3Grp/Desc0Provided full customer service in person, through on-line banking, and via ATM services to members.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0929470
IRS990/PYInvestmentIncomeAmt01027626
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt02849407
IRS990/PYOtherRevenueAmt013347
IRS990/PYProgramServiceRevenueAmt05756687
IRS990/PYRevenuesLessExpensesAmt0708964
IRS990/PYSalariesCompEmpBnftPaidAmt02309819
IRS990/PYTotalExpensesAmt06088696
IRS990/PYTotalRevenueAmt06797660
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0423500
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06655771
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07173729
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07689230
IRS990/SavingsAndTempCashInvstGrp/EOYAmt014122381
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt03751567
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01228141
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04979708
IRS990ScheduleD/EquipmentGrp/BookValueAmt0352278
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0573542
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0925820
IRS990ScheduleD/LandGrp/BookValueAmt0585400
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0585400
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0125254790
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares and Deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04689245
IRS990ScheduleD/TotalBookValueProgramRltdAmt08446866
IRS990ScheduleD/TotalBookValueSecuritiesAmt036892137
IRS990ScheduleD/TotalLiabilityAmt0125254790
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0197454
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Mike Kalie
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO/President
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0197454
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Membership in our credit union is open to all persons who live, work, worship, or attend school in Erie County, PA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members vote for the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members vote on Bylaw Changes.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Form 990 was review by the CEO prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The Board of Directors sets the annual increase for these positions based on industry standards set by CUNA annual salary survey.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The Board of Directors sets the annual increase for these positions based on industry standards set by CUNA annual salary survey.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Governing documents and financial statements are available at each location.
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 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false

Document Assets

No mirrored PDF or thumbnail assets are attached yet.