Civic Intelligence

Erie Community Credit Union

990 • Fiscal year 2020 • EIN 25-1086321

Jan 01, 2020 to Dec 31, 2020 • Filed on Sep 24, 2021

Organization ProfileWWW.TENDTOCU.COM

View Organization Page

1129 State StreetErie, PA 16501

(814) 455-6400

Siviq Scores

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

Liabilities / Assets

96th percentile

0.93x

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

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Liabilities / Revenue

70th percentile

22.51x

Higher debt load relative to revenue than 70% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Net Margin

36th percentile

7.3%

Higher net margin than 36% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Top Officer Pay

7th percentile

$120,463

Higher top officer pay than 7% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Asset Growth

38th percentile

16%

Faster asset growth than 38% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2019 to 2020

Revenue Growth

12th percentile

-12%

Faster revenue growth than 12% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets96th percentile

Assets

Up

$128,721,333

Up $17,343,983 (+16%) from 2019

Net Assets

Up

$9,091,786

Up $385,129 (+4.4%) from 2019

Liabilities

Up

$119,629,547

Up $16,958,854 (+17%) from 2019

Revenue And Expenses
Liabilities / Revenue70th percentileNet Margin36th percentile

Revenue

Down

$5,315,582

Down $707,120 (-12%) from 2019

Expenses

Down

$4,928,642

Down $323,423 (-6.2%) from 2019

Net Income

Down

$386,940

Down $383,697 (-50%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth38th percentile

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

$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

2020

Assets$128,721,333
Liabilities$119,629,547
Net Assets$9,091,786
Open 2020 Filing

Operations Trend

Revenue Growth12th percentile

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

2020

Revenue$5,315,582
Expenses$4,928,642
Net Income$386,940
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Sep 24, 2021
Return Version
2020v4.1
Gross Receipts
$5,315,582
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$61,468,175$59,688,526▼ $1,779,649
Savings and Temporary Cash Investments$26,107,914$33,159,329▲ $7,051,415
Investments Other Securities$9,360,764$20,869,525▲ $11,508,761
Rtn Earn Endowment Incm Other Fnds$8,706,657$9,091,786▲ $385,129
Investments Program Related$3,865,418$4,722,418▲ $857,000
Land, Buildings, and Equipment, Net$4,472,208$4,240,472▼ $231,736
Cash and Non-Interest-Bearing Accounts$1,342,202$1,147,408▼ $194,794
Accounts Receivable$9,653$438,772▲ $429,119
Prepaid Expenses and Deferred Charges$228,198$209,651▼ $18,547
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$111,377,350$128,721,333▲ $17,343,983
Other Assets Total$4,522,818$4,245,232▼ $277,586
Liabilities
Other Liabilities$100,806,469$119,155,856▲ $18,349,387
Accounts Payable and Accrued Expenses$1,864,224$473,691▼ $1,390,533
Total Liabilities$102,670,693$119,629,547▲ $16,958,854
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,706,657$9,091,786▲ $385,129
Total Liabilities and Net Assets / Fund Balance$111,377,350$128,721,333▲ $17,343,983

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,346,410$874,311$4,220,721
Land$585,400-$585,400
Equipment$308,662-$308,662
Other Securities$20,869,525--
Compensation and Service Providers
Top Officer Pay7th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mike KalieCEOFT$120,463$120,463
Brian PalotasCOOFT$88,858$88,858
Dave CatellierVice President of FinanceFT$67,322$67,322
Charles DunkleVice-chair-$1,500$1,500
John FlickChairperson-$1,500$1,500
Jon BloomBoard Member-$1,500$1,500
Ryan HeidtBoard Member-$1,200$1,200
Stacy BuczynskiBoard Member-$1,200$1,200
Thomas NewellBoard Member-$1,200$1,200
Robert HartSecretary-$500$500
Mark KloeckerBoard Member-$300$300

Highest Paid Contractors

ContractorServicesLocationCompensation
Cu InterfaceCore Processor1100 CAMPUS DRIVE SUITE 700, Stow, OH 44224$317,488
Student ChoicePrivate Student Loan Servicer6000 28TH ST SE, Grand Rapids, MI 49546$101,560
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,560,792
Investment Income
$686,247
Other Revenue
$68,543
Change in Net Assets
$386,940
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,496,529
Salaries, Compensation, and Employee Benefits$2,016,308
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,622,367
Benefits to Members---$415,805
Office Expenses---$393,476
Occupancy---$339,357
Current Officers, Directors, Trustees, and Key Employees---$285,543
All Other Expenses---$81,692
Other Expenses---$62,554
Depreciation Depletion---$61,231
Other Employee Benefits---$56,905
Payroll Taxes---$30,233
Pension Plan Contributions---$21,260
Travel---$12,275
Total Functional Expenses$0$0$0$4,928,642
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
Member Shares and Deposits$119,155,856
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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 reviewed by the ceo prior to filing.”

Form 990, Part VI, Section B, Line 15

“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
Michael W Kalie
Title
CEO
Phone
8144556400
Signed
2021-09-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael W Kalie
Formed
1958
Legal Domicile
Pa
Voting Board Members
8
Independent Board Members
8
Employees
40
Volunteers
0

Preparer

Firm
Cliftonlarsonallen Llp
Address
109 N MAIN STREET SUITE 200, AUSTIN, MN 55912
Preparer
Tanya Medgaarden
Phone
5074347000
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2B

“The agreed upon procedures were done as of 6/30. Therefore, the reporting period for the agreed upon procedures does not match the reporting period for the 990.”

Raw XML Appendix399 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01864224
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0473691
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IRS990/AccountsReceivableGrp/EOYAmt0438772
IRS990/ActivitiesConductedPrtshpInd00
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/AllOtherExpensesGrp/TotalAmt081692
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt0415805
IRS990/BooksInCareOfDetail/PersonNm0MICHAEL W KALIE
IRS990/BooksInCareOfDetail/PhoneNum08144556400
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IRS990/CompensationProcessOtherInd01
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
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IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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IRS990/MinutesOfCommitteesInd01
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IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/OperateHospitalInd00
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IRS990/OtherExpensesGrp/TotalAmt1379276
IRS990/OtherExpensesGrp/TotalAmt2179045
IRS990/OtherExpensesGrp/TotalAmt362554
IRS990/OtherLiabilitiesGrp/BOYAmt0100806469
IRS990/OtherLiabilitiesGrp/EOYAmt0119155856
IRS990/OtherOrganizationDsc0CU
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER NON-OPERATING IN
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt068543
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt068543
IRS990/OtherRevenueTotalAmt068543
IRS990/OtherSalariesAndWagesGrp/TotalAmt01622367
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt061468175
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt059688526
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt030233
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt021260
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0228198
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0209651
IRS990/PrincipalOfficerNm0MICHAEL W KALIE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03303925
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1674160
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2564467
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03303925
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1692400
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2564467
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt018240
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION HAD 5,629 LOANS OUTSTANDING AS OF DECEMBER 31, 2020 WITH BALANCES OF $60,184,071.
IRS990/ProgSrvcAccomActy3Grp/Desc0PROVIDED FULL CUSTOMER SERVICE IN PERSON, THROUGH ON-LINE BANKING AND VIA ATM SERVICES TO MEMBERS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0452033
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0804921
IRS990/PYOtherExpensesAmt02799964
IRS990/PYOtherRevenueAmt075724
IRS990/PYProgramServiceRevenueAmt05142057
IRS990/PYRevenuesLessExpensesAmt0770637
IRS990/PYSalariesCompEmpBnftPaidAmt02000068
IRS990/PYTotalExpensesAmt05252065
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt06022702
IRS990/ReconcilationRevenueExpnssAmt0386940
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08706657
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09091786
IRS990/SavingsAndTempCashInvstGrp/BOYAmt026107914
IRS990/SavingsAndTempCashInvstGrp/EOYAmt033159329
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03346410
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0874311
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04220721
IRS990ScheduleD/EquipmentGrp/BookValueAmt0308662
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0308662
IRS990ScheduleD/LandGrp/BookValueAmt0585400
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0585400
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0119155856
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt020869525
IRS990ScheduleD/OtherSecuritiesGrp/Desc0AVAILABLE FOR SALE SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04240472
IRS990ScheduleD/TotalBookValueSecuritiesAmt020869525
IRS990ScheduleD/TotalLiabilityAmt0119155856
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
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 REVIEWED 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/ExplanationTxt5GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE AT EACH LOCATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE AGREED UPON PROCEDURES WERE DONE AS OF 6/30. THEREFORE, THE REPORTING PERIOD FOR THE AGREED UPON PROCEDURES DOES NOT MATCH THE REPORTING PERIOD FOR THE 990.
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 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XII, LINE 2B
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0111377350
IRS990/TotalAssetsEOYAmt0128721333
IRS990/TotalAssetsGrp/BOYAmt0111377350
IRS990/TotalAssetsGrp/EOYAmt0128721333
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt040
IRS990/TotalFunctionalExpensesGrp/TotalAmt04928642
IRS990/TotalGrossUBIAmt018240
IRS990/TotalLiabilitiesBOYAmt0102670693
IRS990/TotalLiabilitiesEOYAmt0119629547
IRS990/TotalLiabilitiesGrp/BOYAmt0102670693
IRS990/TotalLiabilitiesGrp/EOYAmt0119629547
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt08706657
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt09091786
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt04560792
IRS990/TotalReportableCompFromOrgAmt0285543
IRS990/TotalRevenueGrp/ExclusionAmt0686247
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04611095
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05315582
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt018240
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0111377350
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0128721333
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt012275
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01129 STATE STREET
IRS990/USAddress/CityNm0ERIE
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd016501
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.TENDTOCU.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHAEL W KALIE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08144556400
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-09-24
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0TENDTO CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0TEND
ReturnHeader/Filer/EIN0251086321
ReturnHeader/Filer/PhoneNum08144556400
ReturnHeader/Filer/USAddress/AddressLine1Txt01129 STATE STREET
ReturnHeader/Filer/USAddress/CityNm0ERIE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd016501
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0410746749
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CLIFTONLARSONALLEN LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0109 N MAIN STREET SUITE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0AUSTIN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd055912
ReturnHeader/PreparerPersonGrp/PhoneNum05074347000
ReturnHeader/PreparerPersonGrp/PreparationDt02021-09-21
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0TANYA MEDGAARDEN
ReturnHeader/ReturnTs02021-09-27T15:27:18-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0MICHAEL
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0KALIE
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$128,721,333
Liabilities
$119,629,547
Net assets
$9,091,786
Revenue
$5,315,582
Expenses
$4,928,642
Net income
$386,940
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