Civic Intelligence

North Districts Community Credit Union

EIN 25-1121633 • 501(c)14 • Gibsonia, PA

Profile

SEE A BELOW

5321 William Flynn HighwayGibsonia, PA 15044

n/A

Siviq Scores

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

Liabilities / Assets

1st percentile

0.00x

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

501(c)14 • $25M-$50M nonprofits • Source year 2021

Liabilities / Revenue

3rd percentile

0.04x

Higher debt load relative to revenue than 3% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2021

Net Margin

73rd percentile

18%

Higher net margin than 73% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2021

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

89th percentile

7.1%

Faster asset growth than 89% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2020 to 2021

Revenue Growth

6th percentile

-15%

Faster revenue growth than 6% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets1st percentile

Assets

Up

$44,616,358

Up $2,966,095 (+7.1%) from 2020

Liabilities

Down

$47,118

Down $29,311 (-38%) from 2020

Net Assets

Up

$44,569,240

Up $2,995,406 (+7.2%) from 2020

Operations
Liabilities / Revenue3rd percentileNet Margin73rd percentile

Revenue

Down

$1,202,705

Down $209,914 (-15%) from 2020

Expenses

Down

$991,964

Down $8,709 (-0.9%) from 2020

Net Income

Down

$210,741

Down $201,205 (-49%) from 2020

Trend Graphs

Balance Sheet Trend

Asset Growth89th percentile

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

$60M$40M$20M$0Assets 2010: $24,393,047Liabilities 2010: $55,194Net Assets 2010: $24,337,8532010Assets 2011: $26,019,438Liabilities 2011: $42,838Net Assets 2011: $25,976,6002011Assets 2012: $28,098,253Liabilities 2012: $45,451Net Assets 2012: $28,052,8022012Assets 2013: $30,455,331Liabilities 2013: $48,652Net Assets 2013: $30,406,6792013Assets 2014: $32,285,623Liabilities 2014: $70,945Net Assets 2014: $32,214,6782014Assets 2016: $33,910,919Liabilities 2016: $131,192Net Assets 2016: $33,779,7272016Assets 2018: $36,168,806Liabilities 2018: $39,813Net Assets 2018: $36,128,9932018Assets 2019: $36,239,999Liabilities 2019: $35,310Net Assets 2019: $36,204,6892019Assets 2020: $41,650,263Liabilities 2020: $76,429Net Assets 2020: $41,573,8342020Assets 2021: $44,616,358Liabilities 2021: $47,118Net Assets 2021: $44,569,2402021

Highlighted filing

2021

Assets$44,616,358
Liabilities$47,118
Net Assets$44,569,240
Open 2021 Filing

Operations Trend

Revenue Growth6th percentile

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

$1.5M$1.0M$500K$0Expenses 2010: $933,1612010Expenses 2011: $911,1542011Expenses 2012: $880,4652012Revenue 2013: $1,040,652Expenses 2013: $901,440Net Income 2013: $139,2122013Revenue 2014: $1,047,060Expenses 2014: $919,669Net Income 2014: $127,3912014Revenue 2016: $1,118,750Expenses 2016: $962,667Net Income 2016: $156,0832016Revenue 2018: $1,316,103Expenses 2018: $1,109,437Net Income 2018: $206,6662018Revenue 2019: $1,480,739Expenses 2019: $1,047,017Net Income 2019: $433,7222019Revenue 2020: $1,412,619Expenses 2020: $1,000,673Net Income 2020: $411,9462020Revenue 2021: $1,202,705Expenses 2021: $991,964Net Income 2021: $210,7412021

Highlighted filing

2021

Revenue$1,202,705
Expenses$991,964
Net Income$210,741
Open 2021 Filing

Filings

Most recent year

2021 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$44,616,358
Liabilities
$47,118
Net assets
$44,569,240
Revenue
$1,202,705
Expenses
$991,964
Net income
$210,741
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.6$0.05$44.6$1.20$0.99$0.21
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.7$0.08$41.6$1.41$1.00$0.41
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$36.2$0.04$36.2$1.48$1.05$0.43
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$36.2$0.04$36.1$1.32$1.11$0.21
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.9$0.13$33.8$1.12$0.96$0.16
2014Detailed filing. Detailed filing data is available for this year.$32.3$0.07$32.2$1.05$0.92$0.13
2013Detailed filing. Detailed filing data is available for this year.$30.5$0.05$30.4$1.04$0.90$0.14
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.1$0.05$28.1$0.88
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.0$0.04$26.0$0.91
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.4$0.06$24.3$0.93
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Mar 31, 2022
Return Version
2021v4.1
Gross Receipts
$1,202,705
Mission and Program Overview

Mission

SEE A BELOW

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$41,573,834$44,569,240▲ $2,995,406
Savings and Temporary Cash Investments$19,851,131$25,800,662▲ $5,949,531
Other Notes and Loans Receivable, Net$21,577,684$18,336,778▼ $3,240,906
Cash and Non-Interest-Bearing Accounts$158,803$412,828▲ $254,025
Prepaid Expenses and Deferred Charges$18,244$35,688▲ $17,444
Land, Buildings, and Equipment, Net$11,706$4,318▼ $7,388
Accounts Receivable$-3,561$-5,817▼ $2,256
Total Assets$41,650,263$44,616,358▲ $2,966,095
Other Assets Total$36,256$31,901▼ $4,355
Liabilities
Accounts Payable and Accrued Expenses$76,429$47,118▼ $29,311
Total Liabilities$76,429$47,118▼ $29,311
Net Assets / Fund Balance
Total Net Assets Fund Balance$41,573,834$44,569,240▲ $2,995,406
Total Liabilities and Net Assets / Fund Balance$41,650,263$44,616,358▲ $2,966,095

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$4,318$24,629$0
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Paul Fero--$201,483$55,372$256,855
Paul FeroCEOFT$201,483-$201,483
Ted ThimonsPresidentPT$18,750-$18,750
Mary E FoxBoard Member-$12,060-$12,060
Joseph MerhautBoard Member-$8,400-$8,400
Robert WiskemannSecretary-$6,750-$6,750
Barbara MccalleyVice President-$4,980-$4,980
Thomas CastelloTreasurer-$2,250-$2,250
Ronald LunardiSupervisory Comm-chair-$2,100-$2,100
Donna CastelloBoard of Directors-$1,950-$1,950
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,202,705
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$210,741

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,202,705
Total Revenue per Audited Statements
$1,202,705
Total Revenue per Form 990
$1,202,705
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$580,860
Other Expenses$411,104
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Payroll Taxes$0$0$0$580,860
All Other Expenses$0$0$0$354,554
Occupancy$0$0$0$29,494
Other Expenses$0$0$0$6,274
Total Functional Expenses$0$0$0$991,964

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$991,964
Total Expenses per Audited Statements$991,964
Total Expenses per Form 990$991,964
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
Yes
Filing and Contact Details

Filer

Filer Name
North Districts Community Credit Union
EIN
25-1121633
Phone
7244448181
Address
5321 WILLIAM FLYNN HIGHWAY, GIBSONIA, PA 15044

Signing Officer

Name
Ronald Lunardi
Title
Supervisory Committee
Phone
7244448181
Signed
2022-03-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ted Thimons
Formed
1942
Legal Domicile
Pa
Voting Board Members
3,529
Independent Board Members
3,529
Employees
14
Volunteers
0

Preparer

Firm
Ronald J Lunardi Accounting
Address
308 Casindra Ct, Gibsonia, PA 15044
Preparer
Ronald J Lunardi
Phone
4126005507
Supplemental Narrative

Additional Explanations

Pt VI, Line 3

“Duties are rotated regularly between office employees”

Pt VI, Line 6

“There are 3419 voting members”

Pt VI, Line 7A

“Members elect officers at the annual meeting”

Pt VI, Line 11B

“Form 990 supplied upon request”

Pt VI, Line 12C

“MONTHLY BOARD MEETINGS”

Pt VI, Line 15B

“Board of directors review salaries yearly”

Pt VI, Line 15A

“Board of directors review salaries yearly”

Form 990, Part IX, Line 24E

“WINDOW MTN 775.”

Form 990, Part IX, Line 24E

“MARKETING 14969.”

Form 990, Part IX, Line 24E

“SHARE DRAFT EXPENSE 336.”

Form 990, Part IX, Line 24E

“Check card expense 60403.”

Form 990, Part IX, Line 24E

“NEW ACCOUNT FEE 360.”

Form 990, Part IX, Line 24E

“Board meeting expenses 21171.”

Form 990, Part IX, Line 24E

“COMPUTER EQUIPMENT 1187.”

Form 990, Part IX, Line 24E

“Statement processing 14317.”

Form 990, Part IX, Line 24E

“Stationary and supplies 14092.”

Form 990, Part IX, Line 24E

“Equipment maintenance 254.”

Form 990, Part IX, Line 24E

“AMIS SUPPORT 25940.”

Form 990, Part IX, Line 24E

“INSURANCE”

Form 990, Part IX, Line 24E

“WEB SITE 1460.”

Form 990, Part IX, Line 24E

“HOME BANKING 11992.”

Form 990, Part IX, Line 24E

“BANK CHARGES 16670.”

Form 990, Part IX, Line 24E

“VISA EXPENSES 20567.”

Form 990, Part IX, Line 24E

“LOAN SERVICING 56177.”

Form 990, Part IX, Line 24E

“LOAN COLLECTION 5252.”

Form 990, Part IX, Line 24E

“Provision for loan losses 30000.”

Form 990, Part IX, Line 24E

“Profession & outside srv 24143.”

Form 990, Part IX, Line 24E

“EXAMINATION FEES 8775.”

Form 990, Part IX, Line 24E

“Annual meeting expense 3231.”

Form 990, Part IX, Line 24E

“Furniture and equipment 6837.”

Form 990, Part IX, Line 24E

“TELEPHONE 10871.”

Form 990, Part IX, Line 24E

“ALARM SYSTEM 264.”

Form 990, Part IX, Line 24E

“POSTAGE 3545.”

Form 990, Part IX, Line 24E

“PLASTIC FRAUD 579.”

Form 990, Part IX, Line 24E

“EDUCATION/TRAINING 344.”

Form 990, Part IX, Line 24E

“CASH OVER/SHORT -199.”

Form 990, Part IX, Line 24E

“OFFICE EXPENSES 242.”

Raw XML AppendixShowing 400 of 473 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
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IRS990/Form990PartVIISectionAGrp/PersonNm1THOMAS CASTELLO
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DUTIES ARE ROTATED REGULARLY BETWEEN OFFICE EMPLOYEES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THERE ARE 3419 VOTING MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS ELECT OFFICERS AT THE ANNUAL MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FORM 990 SUPPLIED UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MONTHLY BOARD MEETINGS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BOARD OF DIRECTORS REVIEW SALARIES YEARLY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6BOARD OF DIRECTORS REVIEW SALARIES YEARLY
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16EQUIPMENT MAINTENANCE 254.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt22VISA EXPENSES 20567.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt25PROVISION FOR LOAN LOSSES 30000.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt27EXAMINATION FEES 8775.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt28ANNUAL MEETING EXPENSE 3231.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt29FURNITURE AND EQUIPMENT 6837.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt30TELEPHONE 10871.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt31ALARM SYSTEM 264.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt32POSTAGE 3545.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt36OFFICE EXPENSES 242.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 3
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 15a
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc16Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc17Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc18Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc19Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc20Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc21Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc22Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc23Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc24Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc25Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc26Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc27Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc28Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc29Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc30Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc31Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc32Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc33Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc34Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc35Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc36Form 990, Part IX, Line 24e
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