Civic Intelligence

Har-Co Credit Union

EIN 52-0853115 • 501(c)14 • Bel Air, MD

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Profile

To provide a sound financial institution with excellent member service for our credit union family. We make our membership our first consideration in everything we do.

30 N Hickory AvenueBel Air, MD 21014

www.harcocu.org

Siviq Scores

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

Liabilities / Assets

1st percentile

0.01x

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

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

2nd percentile

0.19x

Higher debt load relative to revenue than 2% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

63rd percentile

13%

Higher net margin than 63% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

35th percentile

$385,255

Higher top officer pay than 35% of similar nonprofits.

Top officer pay equals 2.9% of source-year revenue.

$250M-$1B nonprofits • Source year 2024

Asset Growth

54th percentile

3.1%

Faster asset growth than 54% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Revenue Growth

74th percentile

20%

Faster revenue growth than 74% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets1st percentile

Assets

Up

$260,541,605

Up $12,840,999 (+5.2%) from 2023

Liabilities

Down

$2,575,714

Down $506,208 (-16%) from 2023

Net Assets

Up

$257,965,891

Up $13,347,207 (+5.5%) from 2023

Operations
Liabilities / Revenue2nd percentileNet Margin63rd percentile

Revenue

Up

$13,335,704

Up $1,449,907 (+12%) from 2023

Expenses

Up

$11,641,525

Up $1,975,644 (+20%) from 2023

Net Income

Down

$1,694,179

Down $525,737 (-24%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth54th percentile

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

$300M$200M$100M$0Assets 2013: $185,117,729Liabilities 2013: $1,483,817Net Assets 2013: $183,633,9122013Assets 2014: $184,717,870Liabilities 2014: $783,153Net Assets 2014: $183,934,7172014Assets 2015: $188,460,934Liabilities 2015: $630,097Net Assets 2015: $187,830,8372015Assets 2016: $190,050,288Liabilities 2016: $754,207Net Assets 2016: $189,296,0812016Assets 2017: $188,294,908Liabilities 2017: $808,783Net Assets 2017: $187,486,1252017Assets 2018: $187,962,489Liabilities 2018: $1,225,960Net Assets 2018: $186,736,5292018Assets 2019: $189,201,674Liabilities 2019: $1,201,806Net Assets 2019: $187,999,8682019Assets 2020: $216,009,995Liabilities 2020: $1,407,333Net Assets 2020: $214,602,6622020Assets 2021: $238,720,840Liabilities 2021: $871,889Net Assets 2021: $237,848,9512021Assets 2022: $245,148,533Liabilities 2022: $2,980,152Net Assets 2022: $242,168,3812022Assets 2023: $247,700,606Liabilities 2023: $3,081,922Net Assets 2023: $244,618,6842023Assets 2024: $260,541,605Liabilities 2024: $2,575,714Net Assets 2024: $257,965,8912024

Highlighted filing

2024

Assets$260,541,605
Liabilities$2,575,714
Net Assets$257,965,891
Open 2024 Filing

Operations Trend

Revenue Growth74th percentile

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

$15M$10M$5.0M$0-$5.0MRevenue 2013: $8,033,902Expenses 2013: $7,782,835Net Income 2013: $251,0672013Revenue 2014: $8,060,982Expenses 2014: $7,297,621Net Income 2014: $763,3612014Revenue 2015: $7,628,019Expenses 2015: $7,127,791Net Income 2015: $500,2282015Revenue 2016: $7,613,519Expenses 2016: $7,308,959Net Income 2016: $304,5602016Revenue 2017: $7,766,711Expenses 2017: $7,182,114Net Income 2017: $584,5972017Revenue 2018: $8,194,550Expenses 2018: $7,881,482Net Income 2018: $313,0682018Revenue 2019: $8,381,096Expenses 2019: $8,268,974Net Income 2019: $112,1222019Revenue 2020: $7,327,198Expenses 2020: $7,498,345Net Income 2020: -$171,1472020Revenue 2021: $7,323,964Expenses 2021: $7,219,854Net Income 2021: $104,1102021Revenue 2022: $9,204,810Expenses 2022: $7,846,962Net Income 2022: $1,357,8482022Revenue 2023: $11,885,797Expenses 2023: $9,665,881Net Income 2023: $2,219,9162023Revenue 2024: $13,335,704Expenses 2024: $11,641,525Net Income 2024: $1,694,1792024

Highlighted filing

2024

Revenue$13,335,704
Expenses$11,641,525
Net Income$1,694,179
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$260,541,605
Liabilities
$2,575,714
Net assets
$257,965,891
Revenue
$13,335,704
Expenses
$11,641,525
Net income
$1,694,179
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$261$2.58$258$13.3$11.6$1.69
2023Detailed filing. Detailed filing data is available for this year.$248$3.08$245$11.9$9.67$2.22
2022Detailed filing. Detailed filing data is available for this year.$245$2.98$242$9.20$7.85$1.36
2021Detailed filing. Detailed filing data is available for this year.$239$0.87$238$7.32$7.22$0.10
2020Detailed filing. Detailed filing data is available for this year.$216$1.41$215$7.33$7.50$0.17
2019Detailed filing. Detailed filing data is available for this year.$189$1.20$188$8.38$8.27$0.11
2018Detailed filing. Detailed filing data is available for this year.$188$1.23$187$8.19$7.88$0.31
2017Detailed filing. Detailed filing data is available for this year.$188$0.81$187$7.77$7.18$0.58
2016Detailed filing. Detailed filing data is available for this year.$190$0.75$189$7.61$7.31$0.30
2015Detailed filing. Detailed filing data is available for this year.$188$0.63$188$7.63$7.13$0.50
2014Detailed filing. Detailed filing data is available for this year.$185$0.78$184$8.06$7.30$0.76
2013Detailed filing. Detailed filing data is available for this year.$185$1.48$184$8.03$7.78$0.25
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 29, 2025
Return Version
2024v5.2
Gross Receipts
$13,335,704
Mission and Program Overview

Mission

To provide a sound financial institution with excellent member service for our credit union family. We make our membership our first consideration in everything we do.

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$222,211,571$233,864,599▲ $11,653,028
Other Notes and Loans Receivable, Net$171,433,895$180,687,373▲ $9,253,478
Investments in Publicly Traded Securities$51,554,095$36,497,860▼ $15,056,235
Savings and Temporary Cash Investments$9,853,020$25,189,809▲ $15,336,789
Rtn Earn Endowment Incm Other Fnds$22,407,113$24,101,292▲ $1,694,179
Cash and Non-Interest-Bearing Accounts$5,722,667$6,796,353▲ $1,073,686
Land, Buildings, and Equipment, Net$2,875,422$2,688,282▼ $187,140
Prepaid Expenses and Deferred Charges$612,239$593,734▼ $18,505
Receivables From Officers Etc$189,885$361,449▲ $171,564
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$247,700,606$260,541,605▲ $12,840,999
Other Assets Total$5,459,383$7,726,745▲ $2,267,362
Liabilities
Accounts Payable and Accrued Expenses$3,081,922$2,575,714▼ $506,208
Total Liabilities$3,081,922$2,575,714▼ $506,208
Net Assets / Fund Balance
Total Net Assets Fund Balance$244,618,684$257,965,891▲ $13,347,207
Total Liabilities and Net Assets / Fund Balance$247,700,606$260,541,605▲ $12,840,999

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,651,349$4,366,291$6,017,640
Other Land Buildings$517,933$1,033,548$1,551,481
Land$519,000-$519,000
Compensation and Service Providers
Top Officer Pay35th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gilbert Kennedy IiiPresident/CEOFT$320,831$64,424$385,255
John Shroads JrEvp/COO and CCOFT$217,795$48,114$265,909
Matthew WhiteEvp/CFOFT$180,515$39,226$219,741
Mark FreyerSVP/CRO and CCOFT$170,631$40,312$210,943
Angela GregoryVP/sr. Mortgage OfficerFT$161,086$39,101$200,187
Malia DierkenSVP/controllerFT$139,856$58,793$198,649
Sharon WilsonSVP/CTOFT$163,872$30,962$194,834
Alexander CoulsonSVP/CMOFT$173,654$15,629$189,283
Blaise SedneyChairman-$9,600-$9,600
Teresa KnoxDirector-$9,300-$9,300
Lawrence DukesVice Chairman-$8,400-$8,400
Eric RebbertSecretary-$7,200-$7,200
Charles WellingtonDirector-$6,000-$6,000
Dr Austin HillTreasurer-$6,000-$6,000
Thorkild Paaby JrDirector-$6,000-$6,000
Steven JohnsonDirector-$4,500-$4,500

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservSystem And Mobile Banking ProviderPO BOX 745148, Atlanta, GA 30374-5148$244,670
MeridianlinkOnline Application / Membership SoftwarePO BOX 846822, Los Angeles, CA 90084-6822$106,271
Shopeing Center Mgmt Company INCGround Rent/lease1829 REISTERSTOWN ROAD SUITE 440, Baltimore, MD 21208$101,515
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,549,596
Investment Income
$1,786,108
Other Revenue
$0
Change in Net Assets
$1,694,179

Audited Revenue Reconciliation

Revenue per Audited Statements
$13,335,704
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$13,335,704
Total Revenue per Form 990
$13,335,704
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,369,085
Salaries, Compensation, and Employee Benefits$5,272,440
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,764,091
Interest---$2,015,169
Current Officers, Directors, Trustees, and Key Employees---$1,921,801
Office Expenses---$1,438,732
Occupancy---$506,593
Payroll Taxes---$332,612
Depreciation Depletion---$324,072
Other Employee Benefits---$168,578
Advertising---$166,738
Fees for Services Accounting---$128,000
Pension Plan Contributions---$85,358
Other Expenses---$76,035
All Other Expenses---$73,899
Travel---$68,380
Insurance---$62,161
Information Technology---$56,274
Conferences and Meetings---$2,641
Total Functional Expenses$0$0$0$11,641,525

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$11,641,525
Total Expenses per Audited Statements$11,641,525
Total Expenses per Form 990$11,641,525
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$189,885$361,449▲ $171,564
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 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
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has 13,725 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 president and cfo will review form 990 for accuracy. The board chairman reviews the final form 990 on behalf of the board.”

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

“The credit union regularly monitors and enforces compliance with the conflict of interest policy. The board of directors and the supervisory committee members are required to sign acknowledgement forms annually.”

Form 990, Part VI, Section B, Line 15

“An online evaluation of the president/ceo is completed and submitted the the board of directors chairman. Each board member also completes an evaluation, and they are compiled. The board of directors then decides the salary of the president/ceo. The president/ceo determines other officers' compensation annually after an online evaluation is completed and based upon board approved budget/guidelines.”

Form 990, Part VI, Section C, Line 19

“The quarterly financial statements are posted in the lobby of all credit union locations. Any credit union volunteer or staff member can arrange for a member to examine the by-laws or board meeting minutes.”

Filing and Contact Details

Filer

Filer Name
Har-co Credit Union
EIN
52-0853115
Phone
4108389090
Address
30 N HICKORY AVENUE, BEL AIR, MD 21014

Signing Officer

Name
Matthew D White
Title
Evp/CFO
Phone
4108389090
Signed
2025-10-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Matthew D White
Formed
1955
Legal Domicile
Md
Voting Board Members
8
Independent Board Members
8
Employees
77
Volunteers
0

Preparer

Firm
Yount Hyde & Barbour Pc
Address
10451 MILL RUN CIRCLE SUITE 800, OWINGS MILLS, MD 21117
Preparer
Joseph a Musumeci Jr
Phone
4104159797
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net increase in members' share accounts 11,653,028.”

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.”

Raw XML AppendixShowing 400 of 645 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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