Civic Intelligence

Pathway Credit Union

990 • Fiscal year 2023 • EIN 62-6081645

Jan 01, 2023 to Dec 31, 2023 • Filed on May 29, 2024

2751 Ralph Buckner BlvdCleveland, TN 37311

(423) 479-2168

Siviq Scores

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

Liabilities / Assets

99th percentile

0.94x

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

2023 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2023

Liabilities / Revenue

47th percentile

16.97x

Higher debt load relative to revenue than 47% of similar nonprofits.

2023 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2023

Net Margin

48th percentile

11%

Higher net margin than 48% of similar nonprofits.

2023 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2023

Top Officer Pay

19th percentile

$0

Higher top officer pay than 19% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2023 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2023

Asset Growth

98th percentile

12%

Faster asset growth than 98% of similar nonprofits.

2023 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2022 to 2023

Revenue Growth

27th percentile

12%

Faster revenue growth than 27% of similar nonprofits.

2023 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2022 to 2023

Assets

Flat

$6,398,724

Flat from 2023

Net Assets

Flat

$369,020

Flat from 2023

Liabilities

Flat

$6,029,704

Flat from 2023

Revenue

Flat

$355,239

Flat from 2023

Expenses

Flat

$317,780

Flat from 2023

Net Income

Flat

$37,459

Flat from 2023

Historical Trend

Balance Sheet Trend

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $5,351,423Liabilities 2010: $4,768,290Net Assets 2010: $583,1332010Assets 2011: $5,196,874Liabilities 2011: $4,613,379Net Assets 2011: $583,4952011Assets 2012: $5,250,899Liabilities 2012: $4,666,387Net Assets 2012: $584,5122012Assets 2013: $5,317,098Liabilities 2013: $4,731,934Net Assets 2013: $585,1642013Assets 2014: $5,030,677Liabilities 2014: $4,498,456Net Assets 2014: $532,2212014Assets 2015: $4,886,921Liabilities 2015: $4,374,013Net Assets 2015: $512,9082015Assets 2016: $4,945,121Liabilities 2016: $4,441,092Net Assets 2016: $504,0292016Assets 2017: $5,180,315Liabilities 2017: $4,675,542Net Assets 2017: $504,7732017Assets 2018: $5,058,152Liabilities 2018: $4,569,924Net Assets 2018: $488,2282018Assets 2019: $4,834,229Liabilities 2019: $4,444,063Net Assets 2019: $390,1662019Assets 2020: $6,494,509Liabilities 2020: $6,036,406Net Assets 2020: $458,1032020Assets 2021: $6,625,671Liabilities 2021: $6,219,605Net Assets 2021: $406,0662021Assets 2022: $5,693,878Liabilities 2022: $5,366,440Net Assets 2022: $327,4382022Assets 2023: $6,398,724Liabilities 2023: $6,029,704Net Assets 2023: $369,0202023Assets 2023: $6,398,724Liabilities 2023: $6,029,704Net Assets 2023: $369,0202023

Highlighted filing

2023

Assets$6,398,724
Liabilities$6,029,704
Net Assets$369,020

Operations Trend

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

$600K$400K$200K$0-$200KExpenses 2010: $262,0302010Expenses 2011: $243,2662011Expenses 2012: $234,8662012Revenue 2013: $218,439Expenses 2013: $217,866Net Income 2013: $5732013Revenue 2014: $200,594Expenses 2014: $253,540Net Income 2014: -$52,9462014Revenue 2015: $191,269Expenses 2015: $210,582Net Income 2015: -$19,3132015Revenue 2016: $191,884Expenses 2016: $200,764Net Income 2016: -$8,8802016Revenue 2017: $186,902Expenses 2017: $186,158Net Income 2017: $7442017Revenue 2018: $204,053Expenses 2018: $220,597Net Income 2018: -$16,5442018Revenue 2019: $193,896Expenses 2019: $291,958Net Income 2019: -$98,0622019Revenue 2020: $367,718Expenses 2020: $299,780Net Income 2020: $67,9382020Revenue 2021: $405,572Expenses 2021: $448,272Net Income 2021: -$42,7002021Revenue 2022: $317,617Expenses 2022: $302,782Net Income 2022: $14,8352022Revenue 2023: $355,239Expenses 2023: $317,780Net Income 2023: $37,4592023Revenue 2023: $355,239Expenses 2023: $317,780Net Income 2023: $37,4592023

Highlighted filing

2023

Revenue$355,239
Expenses$317,780
Net Income$37,459
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
May 29, 2024
Return Version
2023v5.0
Gross Receipts
$355,239
Mission and Program Overview

Mission

Credit union-to provide services for approximately 931 members in the form of loans, savings, and other financial services.

Pathway credit union was established as a financial institution to meet the growing needs of the church of god entities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,690,570$4,915,255▲ $224,685
Savings and Temporary Cash Investments$694,163$1,166,161▲ $471,998
Rtn Earn Endowment Incm Other Fnds$327,438$369,020▲ $41,582
Land, Buildings, and Equipment, Net$164,157$164,390▲ $233
Investments Other Securities$38,785$38,785→ $0
Cash and Non-Interest-Bearing Accounts$22,781$35,821▲ $13,040
Prepaid Expenses and Deferred Charges$11,372$0▼ $11,372
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$5,693,878$6,398,724▲ $704,846
Other Assets Total$72,050$78,312▲ $6,262
Liabilities
Other Liabilities$5,351,001$6,014,608▲ $663,607
Accounts Payable and Accrued Expenses$15,439$15,096▼ $343
Total Liabilities$5,366,440$6,029,704▲ $663,264
Net Assets / Fund Balance
Total Net Assets Fund Balance$327,438$369,020▲ $41,582
Total Liabilities and Net Assets / Fund Balance$5,693,878$6,398,724▲ $704,846

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$61,800$49,915$111,715
Land$102,284-$102,284
Equipment$306$63,750$64,056
Compensation and Service Providers

Board Members and Trustees

NameTitle
Robert MccallChairman
Carrie RiceDirector
Leto ZachariaDirector
Michael LuithleDirector
Richard PaceDirector
Mark RiceCEO
Carissa BeasleySecretary
Walter BrowningTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$329,097
Investment Income
$26,142
Other Revenue
$0
Change in Net Assets
$37,459
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$198,488
Salaries, Compensation, and Employee Benefits$119,292
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$119,292
Office Expenses---$101,064
Interest---$38,936
Occupancy---$15,588
Other Expenses---$320
Advertising---$240
All Other Expenses---$-117
Total Functional Expenses$0$0$0$317,780
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$6,014,607
Rounding$1
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
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

Section 501c(14) credit union is composed of members.

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

The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the board of directors. The members elect the board of directors at the annual meeting and hold a three year term.

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

Some decisions made by the board of directors require affimation by the members.

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

Management reviews tax returns and forwards us form 8879-te to tax preparer. Board reviews filed tax returns at next scheduled meeting.

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

Employee loans are management approved. Management loans are board approved. Loans to board members are approved by the board minus the lendee.

Form 990, Part VI, Section B, Line 15A

The board of directors uses comparability data and a national survey in determining executive compensation.

Form 990, Part VI, Section B, Line 15B

Executive salaries are board reviewed and approved. Board of directors are not compensated.

Form 990, Part VI, Section C, Line 19

Credit union bylaws and policies are available upon request at the credit union's office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (call reports) are also available at www.ncua.gov for all federally insured credit unions.

Filing and Contact Details

Filer

Filer Name
Pathway Credit Union
EIN
62-6081645
Phone
4234792168
Address
2751 RALPH BUCKNER BLVD, CLEVELAND, TN 37311

Signing Officer

Name
Mark Rice
Title
CEO
Signed
2024-05-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mark Rice
Formed
1993
Legal Domicile
Tn
Voting Board Members
8
Independent Board Members
0
Employees
3
Volunteers
7

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Thomas Cvinar
Phone
8005225820
Raw XML Appendix380 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt015439
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt015096
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PATHWAY CREDIT UNION WAS ESTABLISHED AS A FINANCIAL INSTITUTION TO MEET THE GROWING NEEDS OF THE CHURCH OF GOD ENTITIES.
IRS990/AdvertisingGrp/TotalAmt0240
IRS990/AllOtherExpensesGrp/TotalAmt0-117
IRS990/AuditCommitteeInd0false
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0MARK RICE
IRS990/BooksInCareOfDetail/PhoneNum04234792168
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02751 RALPH BUCKNER BLVD
IRS990/BooksInCareOfDetail/USAddress/CityNm0CLEVELAND
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd037311
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt022781
IRS990/CashNonInterestBearingGrp/EOYAmt035821
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt00
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt026142
IRS990/CYOtherExpensesAmt0198488
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0329097
IRS990/CYRevenuesLessExpensesAmt037459
IRS990/CYSalariesCompEmpBnftPaidAmt0119292
IRS990/CYTotalExpensesAmt0317780
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0355239
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING CERTIFICATE AND OTHER. THE TOTAL NUMBER OF MEMBERS AS OF 12/31/2023 WAS 959
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt03
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0ROBERT MCCALL
IRS990/Form990PartVIISectionAGrp/PersonNm1CARISSA BEASLEY
IRS990/Form990PartVIISectionAGrp/PersonNm2LETO ZACHARIA
IRS990/Form990PartVIISectionAGrp/PersonNm3WALTER BROWNING
IRS990/Form990PartVIISectionAGrp/PersonNm4MICHAEL LUITHLE
IRS990/Form990PartVIISectionAGrp/PersonNm5CARRIE RICE
IRS990/Form990PartVIISectionAGrp/PersonNm6RICHARD PACE
IRS990/Form990PartVIISectionAGrp/PersonNm7MARK RICE
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
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/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01993
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0355239
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt038936
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt026142
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt026142
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt038785
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt038785
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt0123
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0113665
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0164157
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0164390
IRS990/LandBldgEquipCostOrOtherBssAmt0278055
IRS990/LegalDomicileStateCd0TN
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0false
IRS990/MinutesOfGoverningBodyInd0false
IRS990/MissionDesc0PATHWAY CREDIT UNION WAS ESTABLISHED AS A FINANCIAL INSTITUTION TO MEET THE GROWING NEEDS OF THE CHURCH OF GOD ENTITIES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0327438
IRS990/NetAssetsOrFundBalancesEOYAmt0369020
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt04123
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt015588
IRS990/OfficeExpensesGrp/TotalAmt0101064
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt072050
IRS990/OtherAssetsTotalGrp/EOYAmt078312
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1PRO SERVICES
IRS990/OtherExpensesGrp/Desc2OPERATING FEES
IRS990/OtherExpensesGrp/Desc3MISC
IRS990/OtherExpensesGrp/TotalAmt022625
IRS990/OtherExpensesGrp/TotalAmt114832
IRS990/OtherExpensesGrp/TotalAmt25000
IRS990/OtherExpensesGrp/TotalAmt3320
IRS990/OtherLiabilitiesGrp/BOYAmt05351001
IRS990/OtherLiabilitiesGrp/EOYAmt06014608
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0119292
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt04690570
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt04915255
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt011372
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0MARK RICE
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0FEE AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt058583
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1270314
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt058783
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1270314
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0200
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2023 WAS 2755
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt012393
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0185631
IRS990/PYProgramServiceRevenueAmt0305224
IRS990/PYRevenuesLessExpensesAmt014835
IRS990/PYSalariesCompEmpBnftPaidAmt0117151
IRS990/PYTotalExpensesAmt0302782
IRS990/PYTotalRevenueAmt0317617
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt037459
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0327438
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0369020
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0694163
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01166161
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt061800
IRS990ScheduleD/BuildingsGrp/DepreciationAmt049915
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0111715
IRS990ScheduleD/EquipmentGrp/BookValueAmt0306
IRS990ScheduleD/EquipmentGrp/DepreciationAmt063750
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt064056
IRS990ScheduleD/LandGrp/BookValueAmt0102284
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0102284
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt16014607
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Rounding
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0164390
IRS990ScheduleD/TotalLiabilityAmt06014608
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SECTION 501C(14) CREDIT UNION IS COMPOSED OF MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING AND HOLD A THREE YEAR TERM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2SOME DECISIONS MADE BY THE BOARD OF DIRECTORS REQUIRE AFFIMATION BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MANAGEMENT REVIEWS TAX RETURNS AND FORWARDS US FORM 8879-TE TO TAX PREPARER. BOARD REVIEWS FILED TAX RETURNS AT NEXT SCHEDULED MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4EMPLOYEE LOANS ARE MANAGEMENT APPROVED. MANAGEMENT LOANS ARE BOARD APPROVED. LOANS TO BOARD MEMBERS ARE APPROVED BY THE BOARD MINUS THE LENDEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS USES COMPARABILITY DATA AND A NATIONAL SURVEY IN DETERMINING EXECUTIVE COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6EXECUTIVE SALARIES ARE BOARD REVIEWED AND APPROVED. BOARD OF DIRECTORS ARE NOT COMPENSATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7CREDIT UNION BYLAWS AND POLICIES ARE AVAILABLE UPON REQUEST AT THE CREDIT UNION'S OFFICE. QUARTERLY FINANCIAL STATEMENTS ARE DISPLAYED IN THE LOBBY WHICH IS ACCESSIBLE TO THE GENERAL PUBLIC. QUARTERLY FINANCIAL PERFORMANCE (CALL REPORTS) ARE ALSO AVAILABLE AT WWW.NCUA.GOV FOR ALL FEDERALLY INSURED CREDIT UNIONS.
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 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05693878
IRS990/TotalAssetsEOYAmt06398724
IRS990/TotalAssetsGrp/BOYAmt05693878
IRS990/TotalAssetsGrp/EOYAmt06398724
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0317780
IRS990/TotalGrossUBIAmt0200
IRS990/TotalLiabilitiesBOYAmt05366440
IRS990/TotalLiabilitiesEOYAmt06029704
IRS990/TotalLiabilitiesGrp/BOYAmt05366440
IRS990/TotalLiabilitiesGrp/EOYAmt06029704
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0327438
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0369020
IRS990/TotalProgramServiceRevenueAmt0329097
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0355039
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0355239
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0200
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05693878
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt06398724
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02751 RALPH BUCKNER BLVD
IRS990/USAddress/CityNm0CLEVELAND
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037311
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0pathwaycredit.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd00
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MARK RICE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-05-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PATHWAY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PATH
ReturnHeader/Filer/EIN0626081645
ReturnHeader/Filer/PhoneNum04234792168
ReturnHeader/Filer/USAddress/AddressLine1Txt02751 RALPH BUCKNER BLVD
ReturnHeader/Filer/USAddress/CityNm0CLEVELAND
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037311
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0650152722
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FINANCIAL STANDARDS GROUP INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt06447 W HIGHWAY 146
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CRESTWOOD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd040014
ReturnHeader/PreparerPersonGrp/PhoneNum08005225820
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Thomas Cvinar
ReturnHeader/ReturnTs02024-05-29T11:40:22-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0MARK
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0RICE
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$6.40$6.03$0.37$0.36$0.32$0.04
2023Summary only. Only limited summary data is available for this year.$6.40$6.03$0.37$0.36$0.32$0.04
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.69$5.37$0.33$0.32$0.30$0.01
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.63$6.22$0.41$0.41$0.45$0.04
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.49$6.04$0.46$0.37$0.30$0.07
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.83$4.44$0.39$0.19$0.29$0.10
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.06$4.57$0.49$0.20$0.22$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.18$4.68$0.50$0.19$0.19$0.00
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.95$4.44$0.50$0.19$0.20$0.01
2015Detailed filing. Detailed filing data is available for this year.$4.89$4.37$0.51$0.19$0.21$0.02
2014Detailed filing. Detailed filing data is available for this year.$5.03$4.50$0.53$0.20$0.25$0.05
2013Summary only. Only limited summary data is available for this year.$5.32$4.73$0.59$0.22$0.22$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.25$4.67$0.58$0.23
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.20$4.61$0.58$0.24
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.35$4.77$0.58$0.26