Civic Intelligence

Greensburg Teachers Credit Union

EIN 25-1121017 • 501(c)14 • Greensburg, PA

Profile

To provide forms of investment and loans to mutual members while maintaining long-term financial stability.

270 Arbor Hill RoadGreensburg, PA 15601

n/A

Siviq Scores

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

Liabilities / Assets

64th percentile

0.87x

Higher debt load relative to assets than 64% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

99th percentile

41.89x

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

501(c)14 • $5M-$10M nonprofits • Source year 2024

Net Margin

40th percentile

0.2%

Higher net margin than 40% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

47th percentile

$55,000

Higher top officer pay than 47% of similar nonprofits.

Top officer pay equals 46.0% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Asset Growth

43rd percentile

-2.4%

Faster asset growth than 43% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

82nd percentile

20%

Faster revenue growth than 82% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Assets

Down

$5,766,781

Down $142,279 (-2.4%) from 2023

Liabilities

Down

$5,006,881

Down $83,735 (-1.6%) from 2023

Net Assets

Down

$759,900

Down $58,544 (-7.2%) from 2023

Revenue

Up

$119,532

Up $19,612 (+20%) from 2023

Expenses

Down

$119,266

Down $6,601 (-5.2%) from 2023

Net Income

Up

$266

Up $26,213 (+101%) from 2023

Trend Graphs

Balance Sheet Trend

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2014: $7,095,087Liabilities 2014: $6,186,334Net Assets 2014: $908,7532014Assets 2015: $6,897,170Liabilities 2015: $5,980,081Net Assets 2015: $917,0892015Assets 2016: $6,999,570Liabilities 2016: $6,082,374Net Assets 2016: $917,1962016Assets 2017: $6,575,230Liabilities 2017: $5,656,404Net Assets 2017: $918,8262017Assets 2018: $5,985,916Liabilities 2018: $5,061,001Net Assets 2018: $924,9152018Assets 2019: $5,737,790Liabilities 2019: $4,802,992Net Assets 2019: $934,7982019Assets 2020: $6,326,552Liabilities 2020: $5,385,860Net Assets 2020: $940,6922020Assets 2021: $6,652,644Liabilities 2021: $5,736,176Net Assets 2021: $916,4682021Assets 2022: $6,777,353Liabilities 2022: $5,896,061Net Assets 2022: $881,2922022Assets 2023: $5,909,060Liabilities 2023: $5,090,616Net Assets 2023: $818,4442023Assets 2024: $5,766,781Liabilities 2024: $5,006,881Net Assets 2024: $759,9002024

Highlighted filing

2024

Assets$5,766,781
Liabilities$5,006,881
Net Assets$759,900

Operations Trend

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

$200K$150K$100K$50K$0-$50KRevenue 2014: $146,035Expenses 2014: $113,438Net Income 2014: $32,5972014Revenue 2015: $144,021Expenses 2015: $117,312Net Income 2015: $26,7092015Revenue 2016: $129,796Expenses 2016: $111,495Net Income 2016: $18,3012016Revenue 2017: $133,512Expenses 2017: $110,088Net Income 2017: $23,4242017Revenue 2018: $149,363Expenses 2018: $121,766Net Income 2018: $27,5972018Revenue 2019: $159,934Expenses 2019: $126,964Net Income 2019: $32,9702019Revenue 2020: $143,780Expenses 2020: $115,602Net Income 2020: $28,1782020Revenue 2021: $113,566Expenses 2021: $115,343Net Income 2021: -$1,7772021Revenue 2022: $102,590Expenses 2022: $117,755Net Income 2022: -$15,1652022Revenue 2023: $99,920Expenses 2023: $125,867Net Income 2023: -$25,9472023Revenue 2024: $119,532Expenses 2024: $119,266Net Income 2024: $2662024

Highlighted filing

2024

Revenue$119,532
Expenses$119,266
Net Income$266

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 11, 2025
Return Version
2024v5.2
Gross Receipts
$119,532
Mission and Program Overview

Mission

To provide forms of investment and loans to mutual members while maintaining long-term financial stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$4,598,570$4,595,513▼ $3,057
Accounts Receivable$1,062,642$811,764▼ $250,878
Cash and Non-Interest-Bearing Accounts$198,547$333,900▲ $135,353
Receivables From Officers Etc$49,075$25,598▼ $23,477
Land, Buildings, and Equipment, Net$226$6▼ $220
Total Assets$5,909,060$5,766,781▼ $142,279
Liabilities
Other Liabilities$5,071,039$4,983,906▼ $87,133
Accounts Payable and Accrued Expenses$19,577$22,975▲ $3,398
Total Liabilities$5,090,616$5,006,881▼ $83,735
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$690,649$632,104▼ $58,545
Net Assets With Donor Restrictions$127,795$127,796▲ $1
Total Net Assets Fund Balance$818,444$759,900▼ $58,544
Total Liabilities and Net Assets / Fund Balance$5,909,060$5,766,781▼ $142,279

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$6$21,844-
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Darryl J Audia JrTreasurerFT$55,000$55,000
Maxine ForbesAsst. TreasurerPT$9,000$9,000

Board Members and Trustees

NameTitle
William HurriankoPresident/chairperson
Brian E NymickVice Pres/vice Chair
David L CullenSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$57,872
Investment Income
$61,168
Other Revenue
$492
Change in Net Assets
$266
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$69,250
Other Expenses$50,016
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$55,000$9,000-$64,000
Fees for Services Accounting$16,587--$16,587
Office Expenses$14,457--$14,457
Payroll Taxes$4,512$738-$5,250
Insurance$4,332--$4,332
Travel$3,115--$3,115
Fees for Services Management-$2,407-$2,407
Depreciation Depletion$220--$220
Other Expenses$200--$200
All Other Expenses$148--$148
Total Functional Expenses$107,121$12,145$0$119,266
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$49,075$25,598▼ $23,477
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Amounts Owed to Members$4,983,906
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

The organization has members (660), but no stockholders.

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

The governing board is elected via a membership nomination process and ultimately the membership votes on the candidates and then can hold the governing board to task on matters of general interest to the membership body.

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

This question was answered under 7a

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

The treasurer reviews the 990 for accuracy. No additional review will be conducted.

Form 990, Part VI, Section B, Line 15

The board of directors approves compensation amounts annually.

Form 990, Part VI, Section C, Line 18

The organization makes its governing documents and financial statements available to the public upon request

Form 990, Part VI, Section C, Line 19

The organization makes its governing documents and financial statements available to the public upon request

Filing and Contact Details

Filer

Filer Name
Greensburg Teachers Credit Union
EIN
25-1121017
Phone
8663835605
Address
270 ARBOR HILL ROAD, GREENSBURG, PA 15601

Signing Officer

Name
William J Hurrianko
Title
President
Phone
8663835605
Signed
2025-11-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
William J Hurrianko
Formed
1939
Legal Domicile
Pa
Voting Board Members
5
Independent Board Members
5
Employees
2
Volunteers
10

Preparer

Firm
Wessel & Company
Address
215 MAIN STREET, JOHNSTOWN, PA 15901
Preparer
Michael Lamb
Phone
8145367864
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

Dividends paid -58,811. New member fees 1.

Raw XML Appendix356 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/Desc0FOR THE YEAR ENDED DECEMBER 31, 2024, THE CREDIT UNION MADE 17 NEW LOANS TO OUR MEMBERS, WHO ARE COMPRISED OF THE GREENSBURG-SALEM SCHOOL DISTRICT EMPLOYEES AND THEIR FAMILIES. WE ALSO PROVIDED PAYMENT OF DIVIDENDS TO OUR MEMBERS WHO MAINTAINED THE MINUMUM BALANCE IN THEIR SHARES ACCOUNTS DURING THE YEAR. THE NUMBER OF MEMBERS IS 660, DECREASING SLIGHTLY FROM 2023. WE HAVE A POTENTIAL MAXIMUM OF 1100 MEMBERS AT THIS TIME, MEANING THAT WE HAVE AN ENROLLMENT PERCENTAGE OF 60%. THIS COMPRISES THE TOTAL EXTENT OF OUR PROGRAMS. WE PROVIDE FUNDING FOR SIGNATURE LOANS, SHARE LOANS, NEW AND USED VEHICLE LOANS, AND CO-SIGNED LOANS. ADDITIONALLY, WE OFFER SAVINGS VEHICLES IN THE FORM OF REGULAR SHARE ACCOUNTS AND CHRISTMAS SHARE ACCOUNTS.
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/TotalBalanceDueAmt025598
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS (660), BUT NO STOCKHOLDERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE GOVERNING BOARD IS ELECTED VIA A MEMBERSHIP NOMINATION PROCESS AND ULTIMATELY THE MEMBERSHIP VOTES ON THE CANDIDATES AND THEN CAN HOLD THE GOVERNING BOARD TO TASK ON MATTERS OF GENERAL INTEREST TO THE MEMBERSHIP BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THIS QUESTION WAS ANSWERED UNDER 7A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE TREASURER REVIEWS THE 990 FOR ACCURACY. NO ADDITIONAL REVIEW WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS APPROVES COMPENSATION AMOUNTS ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7DIVIDENDS PAID -58,811. NEW MEMBER FEES 1.
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 18
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/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt05909060
IRS990/TotalAssetsEOYAmt05766781
IRS990/TotalAssetsGrp/BOYAmt05909060
IRS990/TotalAssetsGrp/EOYAmt05766781
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt012145
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0107121
IRS990/TotalFunctionalExpensesGrp/TotalAmt0119266
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt05090616
IRS990/TotalLiabilitiesEOYAmt05006881
IRS990/TotalLiabilitiesGrp/BOYAmt05090616
IRS990/TotalLiabilitiesGrp/EOYAmt05006881
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0818444
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0759900
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0107121
IRS990/TotalProgramServiceRevenueAmt057872
IRS990/TotalReportableCompFromOrgAmt064000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0119532
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0119532
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05909060
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05766781
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt03115
IRS990/TravelGrp/TotalAmt03115
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt017 SHAWNEE DRIVE
IRS990/USAddress/CityNm0GREENSBURG
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd015601
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0WILLIAM J HURRIANKO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08663835605
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GREENSBURG TEACHERS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0GREE
ReturnHeader/Filer/EIN0251121017
ReturnHeader/Filer/PhoneNum08663835605
ReturnHeader/Filer/USAddress/AddressLine1Txt0270 ARBOR HILL ROAD
ReturnHeader/Filer/USAddress/CityNm0GREENSBURG
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd015601
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0251390233
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WESSEL & COMPANY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0215 MAIN STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0JOHNSTOWN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd015901
ReturnHeader/PreparerPersonGrp/PhoneNum08145367864
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL LAMB
ReturnHeader/ReturnTs02025-11-14T06:19:29-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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