Civic Intelligence

Point Breeze Credit Union

990 • Fiscal year 2018 • EIN 52-0447180

Jan 01, 2018 to Dec 31, 2018 • Filed on Jul 15, 2019

Organization Profilewww.pbcu.com

View Organization Page

11104 McCormick RoadHunt Valley, MD 21031

(410) 771-3850

Siviq Scores

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

Liabilities / Assets

1st percentile

0.00x

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

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

1st percentile

0.11x

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

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

47th percentile

14%

Higher net margin than 47% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

94th percentile

$976,097

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 3.3% of source-year revenue.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

24th percentile

1.5%

Faster asset growth than 24% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

40th percentile

9.2%

Faster revenue growth than 40% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets1st percentile

Assets

Up

$766,117,381

Up $11,593,677 (+1.5%) from 2017

Net Assets

Up

$762,883,595

Up $13,037,239 (+1.7%) from 2017

Liabilities

Down

$3,233,786

Down $1,443,562 (-31%) from 2017

Revenue And Expenses
Liabilities / Revenue1st percentileNet Margin47th percentile

Revenue

Up

$29,294,391

Up $2,474,253 (+9.2%) from 2017

Expenses

Up

$25,234,636

Up $2,059,540 (+8.9%) from 2017

Net Income

Up

$4,059,755

Up $414,713 (+11%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth24th percentile

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

$1.0B$500M$0Assets 2010: $690,369,571Liabilities 2010: $7,963,707Net Assets 2010: $682,405,8642010Assets 2011: $705,312,494Liabilities 2011: $7,523,494Net Assets 2011: $697,789,0002011Assets 2012: $724,912,442Liabilities 2012: $8,768,434Net Assets 2012: $716,144,0082012Assets 2013: $721,186,712Liabilities 2013: $4,081,091Net Assets 2013: $717,105,6212013Assets 2014: $723,937,352Liabilities 2014: $6,754,430Net Assets 2014: $717,182,9222014Assets 2015: $734,856,489Liabilities 2015: $4,238,093Net Assets 2015: $730,618,3962015Assets 2016: $746,440,396Liabilities 2016: $5,284,481Net Assets 2016: $741,155,9152016Assets 2017: $754,523,704Liabilities 2017: $4,677,348Net Assets 2017: $749,846,3562017Assets 2018: $766,117,381Liabilities 2018: $3,233,786Net Assets 2018: $762,883,5952018Assets 2019: $773,853,745Liabilities 2019: $4,614,995Net Assets 2019: $769,238,7502019Assets 2020: $870,833,707Liabilities 2020: $4,341,601Net Assets 2020: $866,492,1062020Assets 2021: $935,513,107Liabilities 2021: $3,869,751Net Assets 2021: $931,643,3562021Assets 2022: $947,157,705Liabilities 2022: $16,648,003Net Assets 2022: $930,509,7022022Assets 2023: $922,504,089Liabilities 2023: $20,207,344Net Assets 2023: $902,296,7452023Assets 2024: $950,783,118Liabilities 2024: $11,805,514Net Assets 2024: $938,977,6042024

Highlighted filing

2018

Assets$766,117,381
Liabilities$3,233,786
Net Assets$762,883,595
Open 2018 Filing

Operations Trend

Revenue Growth40th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$60M$40M$20M$0Expenses 2010: $22,583,3222010Expenses 2011: $23,704,7352011Expenses 2012: $18,010,0292012Revenue 2013: $23,435,281Expenses 2013: $18,380,724Net Income 2013: $5,054,5572013Revenue 2014: $21,270,533Expenses 2014: $16,547,349Net Income 2014: $4,723,1842014Revenue 2015: $22,551,660Expenses 2015: $18,119,716Net Income 2015: $4,431,9442015Revenue 2016: $24,834,436Expenses 2016: $20,665,101Net Income 2016: $4,169,3352016Revenue 2017: $26,820,138Expenses 2017: $23,175,096Net Income 2017: $3,645,0422017Revenue 2018: $29,294,391Expenses 2018: $25,234,636Net Income 2018: $4,059,7552018Revenue 2019: $32,259,330Expenses 2019: $27,343,377Net Income 2019: $4,915,9532019Revenue 2020: $29,502,603Expenses 2020: $26,502,357Net Income 2020: $3,000,2462020Revenue 2021: $29,545,819Expenses 2021: $26,854,052Net Income 2021: $2,691,7672021Revenue 2022: $30,117,065Expenses 2022: $27,963,175Net Income 2022: $2,153,8902022Revenue 2023: $33,994,709Expenses 2023: $31,993,899Net Income 2023: $2,000,8102023Revenue 2024: $42,823,299Expenses 2024: $41,069,203Net Income 2024: $1,754,0962024

Highlighted filing

2018

Revenue$29,294,391
Expenses$25,234,636
Net Income$4,059,755
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Jul 15, 2019
Return Version
2018v3.1
Gross Receipts
$29,294,391
Mission and Program Overview

Mission

Our mission is to provide quality financial solutions for every member.

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$645,783,629$654,349,148▲ $8,565,519
Other Notes and Loans Receivable, Net$399,371,996$442,008,606▲ $42,636,610
Investments in Publicly Traded Securities$244,267,467$218,679,908▼ $25,587,559
Rtn Earn Endowment Incm Other Fnds$104,062,727$108,534,447▲ $4,471,720
Savings and Temporary Cash Investments$50,154,945$46,276,033▼ $3,878,912
Land, Buildings, and Equipment, Net$14,084,092$13,790,872▼ $293,220
Cash and Non-Interest-Bearing Accounts$7,157,912$4,789,748▼ $2,368,164
Receivables From Officers Etc$450,741$595,133▲ $144,392
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$754,523,704$766,117,381▲ $11,593,677
Other Assets Total$39,036,551$39,977,081▲ $940,530
Liabilities
Accounts Payable and Accrued Expenses$4,677,348$3,233,786▼ $1,443,562
Total Liabilities$4,677,348$3,233,786▼ $1,443,562
Net Assets / Fund Balance
Total Net Assets Fund Balance$749,846,356$762,883,595▲ $13,037,239
Total Liabilities and Net Assets / Fund Balance$754,523,704$766,117,381▲ $11,593,677

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$8,793,180$4,418,030$13,211,210
Equipment$2,420,552$4,396,476$6,817,028
Land$2,577,140-$2,577,140
Other Assets Org$18,260,792--
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patricia BriceSVP - LendingFT$917,972$58,125$976,097
Tonia M NiedzialkowskiChief Financial OfficerFT$832,328$62,659$894,987
Bernard G McLaughlinPresident/CEOFT$525,172$64,600$589,772
Kimberly MangrumSVP - Member ServicesFT$167,822$35,610$203,432
Kristin ReynoldsVP - Human ResourcesFT$137,208$40,889$178,097
Cynthia HarrelManager - Operation SupporFT$114,696$43,867$158,563
Karen TrimpVP - ComplianceFT$114,976$41,884$156,860
Eugenie BriggsSVP - MarketingFT$122,702$28,056$150,758
Stewart HolbrookVP - ItFT$122,008$26,870$148,878
Ralph S PaganoTreasurer-$17,767$2,000$19,767
Donna BanningFormer Director-$16,000-$16,000
William L RamseyFormer Director-$16,000-$16,000
Michael J GallagherChairman-$11,700-$11,700
Donald GundlachDirector-$11,250$200$11,450
Howard W UhlDirector-$8,520-$8,520
Lynn B FinckelSecretary-$5,400$200$5,600
William R HelmeyDirector-$4,950$200$5,150
Cordell D BooneDirector-$4,890-$4,890
Jean LewisDirector-$3,900$200$4,100
Joseph R PalladinoSupervisory Committee-$3,480-$3,480
Donald D Beynon JrSupervisory Committee-$3,210-$3,210
Dorothy F OlszewskiSupervisory Committee-$2,700-$2,700
Jack WiltSupervisory Committee-$2,040-$2,040
William CockeySupervisory Committee-$2,040-$2,040

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv IncData Processing225 Fiserv Dr, Brookfield, WI 53045$1,237,893
The Long GroupBusiness Development22 Greeley St, Merrimack, NH 03054$910,992
NCR CorpSoftware Provider1300 Seaport, Redwood City, CA 94063$672,866
GGCV Real Estate LLCProperty Development10096 Red Run Rd, Owings Mills, MD 21117$302,551
Contardi Consulting LLCConstruction and Facilities6920 Green Valley Road, New Market, MD 21774$221,537
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$24,306,283
Investment Income
$5,039,107
Other Revenue
$-50,999
Change in Net Assets
$4,059,755

Audited Revenue Reconciliation

Revenue per Audited Statements
$29,294,391
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$29,294,391
Total Revenue per Form 990
$29,294,391
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$15,333,006
Salaries, Compensation, and Employee Benefits$9,901,630
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,164,298
Current Officers, Directors, Trustees, and Key Employees---$3,574,091
Interest---$2,993,795
Occupancy---$1,699,386
Office Expenses---$1,581,219
Advertising---$1,342,220
Other Employee Benefits---$1,126,384
Depreciation Depletion---$1,068,059
Information Technology---$911,869
Fees for Services Other---$614,255
Payroll Taxes---$541,837
Pension Plan Contributions---$495,020
Other Expenses---$411,557
Conferences and Meetings---$252,804
Insurance---$161,020
Fees for Services Legal---$133,725
Fees for Services Accounting---$94,592
Travel---$22,980
Total Functional Expenses$0$0$0$25,234,636

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$25,234,636
Total Expenses per Audited Statements$25,234,636
Total Expenses per Form 990$25,234,636
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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$450,741$595,133▲ $144,392
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, line 6

“The Credit Union has approximately 57,043 members.”

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

“Credit Union members elect the Board of Directors.”

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

“The CEO and CFO perform final reviews of Form 990.”

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

“The Credit Union monitors and enforces compliance with the conflict of interest policy through required disclosure if and when a conflict arises.”

Form 990, Part VI, Section B, line 15

“The compensation committee reviews a national salary survey and makes a proposal to the board of directors for the CEO's salary. The CEO reviews a national salary survey and makes a proposal to the board of directors for officers' salaries. The board of directors discusses and approves the CEO's and officers' salaries.”

Form 990, Part VI, Section C, line 19

“The Credit Union makes its governing documents and conflict of interest policy available to the public upon request. Quarterly financial statements are available through the NCUA website. Annual audited financial statements are given to members at the annual meeting.”

Filing and Contact Details

Filer

Filer Name
Point Breeze Credit Union
EIN
52-0447180
Phone
4107713850
Address
11104 McCormick Road, Hunt Valley, MD 21031

Signing Officer

Name
Bernard G McLaughlin
Title
President/CEO
Phone
4107713850
Signed
2019-07-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Bernard G McLaughlin
Formed
1935
Legal Domicile
Md
Voting Board Members
9
Independent Board Members
9
Employees
133
Volunteers
0

Preparer

Firm
Rowles & Company LLP
Address
8100 Sandpiper Cir Ste 308, Baltimore, MD 21236
Preparer
Joseph A Musumeci Jr
Phone
4437255395
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Net increase in members' share balances 8,565,519.”

Form 990, Part XII, Line 2C:

“The supervisory committee is responsible for oversight of the audit of the financial statements and selection of the independent accountants.”

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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt230
IRS990/Form990PartVIISectionAGrp/PersonNm0Michael J Gallagher
IRS990/Form990PartVIISectionAGrp/PersonNm1Cordell D Boone
IRS990/Form990PartVIISectionAGrp/PersonNm2Lynn B Finckel
IRS990/Form990PartVIISectionAGrp/PersonNm3Ralph S Pagano
IRS990/Form990PartVIISectionAGrp/PersonNm4Howard W Uhl
IRS990/Form990PartVIISectionAGrp/PersonNm5Joseph R Palladino
IRS990/Form990PartVIISectionAGrp/PersonNm6Dorothy F Olszewski
IRS990/Form990PartVIISectionAGrp/PersonNm7William R Helmey
IRS990/Form990PartVIISectionAGrp/PersonNm8Donald Gundlach
IRS990/Form990PartVIISectionAGrp/PersonNm9Donald D Beynon Jr
IRS990/Form990PartVIISectionAGrp/PersonNm10Jean Lewis
IRS990/Form990PartVIISectionAGrp/PersonNm11Jack Wilt
IRS990/Form990PartVIISectionAGrp/PersonNm12William Cockey
IRS990/Form990PartVIISectionAGrp/PersonNm13Bernard G McLaughlin
IRS990/Form990PartVIISectionAGrp/PersonNm14Eugenie Briggs
IRS990/Form990PartVIISectionAGrp/PersonNm15Tonia M Niedzialkowski
IRS990/Form990PartVIISectionAGrp/PersonNm16Patricia Brice
IRS990/Form990PartVIISectionAGrp/PersonNm17Kimberly Mangrum
IRS990/Form990PartVIISectionAGrp/PersonNm18Kristin Reynolds
IRS990/Form990PartVIISectionAGrp/PersonNm19Karen Trimp
IRS990/Form990PartVIISectionAGrp/PersonNm20Cynthia Harrel
IRS990/Form990PartVIISectionAGrp/PersonNm21Stewart Holbrook
IRS990/Form990PartVIISectionAGrp/PersonNm22Donna Banning
IRS990/Form990PartVIISectionAGrp/PersonNm23William L Ramsey
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt011700
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14890
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt25400
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt317767
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt48520
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt53480
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt62700
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt74950
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt811250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt93210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt103900
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt112040
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt122040
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13525172
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14122702
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15832328
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16917972
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17167822
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18137208
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19114976
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20114696
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21122008
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2216000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2316000
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/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt220
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt230
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt6Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt12Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt13President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP - Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt15Chief Financial Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP - Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP - Member Services
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP - Human Resources
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP - Compliance
IRS990/Form990PartVIISectionAGrp/TitleTxt20Manager - Operation Suppor
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP - IT
IRS990/Form990PartVIISectionAGrp/TitleTxt22Former Director
IRS990/Form990PartVIISectionAGrp/TitleTxt23Former Director
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd01
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt029294391
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt09
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0911869
IRS990/InsuranceGrp/TotalAmt0161020
IRS990/InterestGrp/TotalAmt02993795
IRS990/InvestmentIncomeGrp/ExclusionAmt05039107
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt05039107
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0244267467
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0218679908
IRS990/IRPDocumentCnt021231
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt08814506
IRS990/LandBldgEquipBasisNetGrp/BOYAmt014084092
IRS990/LandBldgEquipBasisNetGrp/EOYAmt013790872
IRS990/LandBldgEquipCostOrOtherBssAmt022605378
IRS990/LegalDomicileStateCd0MD
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Our mission is to provide quality financial solutions for every member.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0749846356
IRS990/NetAssetsOrFundBalancesEOYAmt0762883595
IRS990/NetUnrelatedBusTxblIncmAmt0-27270
IRS990/NetUnrlzdGainsLossesInvstAmt0411965
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01699386
IRS990/OfficeExpensesGrp/TotalAmt01581219
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt039036551
IRS990/OtherAssetsTotalGrp/EOYAmt039977081
IRS990/OtherChangesInNetAssetsAmt08565519
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01126384
IRS990/OtherExpensesGrp/Desc0Lending expenses
IRS990/OtherExpensesGrp/Desc1Loan loss provision
IRS990/OtherExpensesGrp/Desc2Bank service charges
IRS990/OtherExpensesGrp/Desc3Miscellaneous
IRS990/OtherExpensesGrp/TotalAmt01593206
IRS990/OtherExpensesGrp/TotalAmt11495920
IRS990/OtherExpensesGrp/TotalAmt2956399
IRS990/OtherExpensesGrp/TotalAmt3411557
IRS990/OtherRevenueMiscGrp/BusinessCd0531390
IRS990/OtherRevenueMiscGrp/Desc0Loss on sale of foreclosed real e
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0-50999
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0-50999
IRS990/OtherRevenueTotalAmt0-50999
IRS990/OtherSalariesAndWagesGrp/TotalAmt04164298
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0399371996
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0442008606
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0541837
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0495020
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0Bernard G McLaughlin
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/BusinessCd2525990
IRS990/ProgramServiceRevenueGrp/BusinessCd3524298
IRS990/ProgramServiceRevenueGrp/BusinessCd4525990
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans
IRS990/ProgramServiceRevenueGrp/Desc1Other services
IRS990/ProgramServiceRevenueGrp/Desc2Share account services
IRS990/ProgramServiceRevenueGrp/Desc3Credit insurance
IRS990/ProgramServiceRevenueGrp/Desc4Nonmember ATM fees
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt018994596
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13065255
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21946472
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3261548
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt018994596
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13065255
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21946472
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3261548
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt438412
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt038412
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt04548770
IRS990/PYOtherExpensesAmt013973787
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt022271368
IRS990/PYRevenuesLessExpensesAmt03645042
IRS990/PYSalariesCompEmpBnftPaidAmt09201309
IRS990/PYTotalExpensesAmt023175096
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt026820138
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0450741
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0595133
IRS990/ReconcilationRevenueExpnssAmt04059755
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$766,117,381
Liabilities
$3,233,786
Net assets
$762,883,595
Revenue
$29,294,391
Expenses
$25,234,636
Net income
$4,059,755
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$951$11.8$939$42.8$41.1$1.75
2023Detailed filing. Detailed filing data is available for this year.$923$20.2$902$34.0$32.0$2.00
2022Detailed filing. Detailed filing data is available for this year.$947$16.6$931$30.1$28.0$2.15
2021Detailed filing. Detailed filing data is available for this year.$936$3.87$932$29.5$26.9$2.69
2020Detailed filing. Detailed filing data is available for this year.$871$4.34$866$29.5$26.5$3.00
2019Detailed filing. Detailed filing data is available for this year.$774$4.61$769$32.3$27.3$4.92
2018Detailed filing. Detailed filing data is available for this year.$766$3.23$763$29.3$25.2$4.06
2017Detailed filing. Detailed filing data is available for this year.$755$4.68$750$26.8$23.2$3.65
2016Detailed filing. Detailed filing data is available for this year.$746$5.28$741$24.8$20.7$4.17
2015Detailed filing. Detailed filing data is available for this year.$735$4.24$731$22.6$18.1$4.43
2014Detailed filing. Detailed filing data is available for this year.$724$6.75$717$21.3$16.5$4.72
2013Detailed filing. Detailed filing data is available for this year.$721$4.08$717$23.4$18.4$5.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$725$8.77$716$18.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$705$7.52$698$23.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$690$7.96$682$22.6