Civic Intelligence

New York Credit Union Association Inc

EIN 91-1996137 • 501(c)6 • Albany, NY

Profile

The 13 Chapters of New York Credit Union Association, Inc. represent the grassroots efforts of New York credit unions. The Chapters generate funds from functions such as dinner meetings, education sessions, events, and an annual allocation from the state trade association dues. These funds are expended in the credit union spirit of 'People Helping People' in the form of scholarships, seminars, discussion forums, charitable causes, and community services.

PO Box 15118Albany, NY 12212-5118

www.nycua.org

Siviq Scores

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

Liabilities / Assets

49th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

51st percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • <$500k nonprofits • Source year 2024

Net Margin

71st percentile

12%

Higher net margin than 71% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

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

501(c)6 • <$500k nonprofits • Source year 2024

Asset Growth

59th percentile

3.4%

Faster asset growth than 59% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

18th percentile

-31%

Faster revenue growth than 18% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets49th percentile

Assets

Up

$349,734

Up $11,352 (+3.4%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Up

$349,734

Up $11,352 (+3.4%) from 2023

Operations
Liabilities / Revenue51st percentileNet Margin71st percentile

Revenue

Down

$91,636

Down $41,077 (-31%) from 2023

Expenses

Down

$80,284

Down $76,560 (-49%) from 2023

Net Income

Up

$11,352

Up $35,483 (+147%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth59th percentile

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

$400K$300K$200K$100K$0Assets 2011: $220,712Liabilities 2011: $0Net Assets 2011: $220,7122011Assets 2012: $223,660Liabilities 2012: $0Net Assets 2012: $223,6602012Assets 2013: $236,350Liabilities 2013: $0Net Assets 2013: $236,3502013Assets 2014: $230,568Liabilities 2014: $0Net Assets 2014: $230,5682014Assets 2015: $233,174Liabilities 2015: $0Net Assets 2015: $233,1742015Assets 2016: $235,841Liabilities 2016: $0Net Assets 2016: $235,8412016Assets 2017: $244,764Liabilities 2017: $0Net Assets 2017: $244,7642017Assets 2018: $269,079Liabilities 2018: $0Net Assets 2018: $269,0792018Assets 2019: $287,021Liabilities 2019: $0Net Assets 2019: $287,0212019Assets 2020: $330,946Liabilities 2020: $0Net Assets 2020: $330,9462020Assets 2021: $314,997Liabilities 2021: $0Net Assets 2021: $314,9972021Assets 2022: $362,513Liabilities 2022: $0Net Assets 2022: $362,5132022Assets 2023: $338,382Liabilities 2023: $0Net Assets 2023: $338,3822023Assets 2024: $349,734Liabilities 2024: $0Net Assets 2024: $349,7342024

Highlighted filing

2024

Assets$349,734
Liabilities$0
Net Assets$349,734
Open 2024 Filing

Operations Trend

Revenue Growth18th percentile

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

$400K$200K$0-$200KRevenue 2011: $300,214Expenses 2011: $324,191Net Income 2011: -$23,9772011Revenue 2012: $297,293Expenses 2012: $294,345Net Income 2012: $2,9482012Revenue 2013: $269,666Expenses 2013: $256,976Net Income 2013: $12,6902013Revenue 2014: $235,481Expenses 2014: $241,263Net Income 2014: -$5,7822014Revenue 2015: $255,525Expenses 2015: $252,919Net Income 2015: $2,6062015Revenue 2016: $235,390Expenses 2016: $232,723Net Income 2016: $2,6672016Revenue 2017: $205,614Expenses 2017: $196,691Net Income 2017: $8,9232017Revenue 2018: $45,540Expenses 2018: $168,316Net Income 2018: -$122,7762018Revenue 2019: $217,793Expenses 2019: $199,851Net Income 2019: $17,9422019Revenue 2020: $123,574Expenses 2020: $79,649Net Income 2020: $43,9252020Revenue 2021: $164,057Expenses 2021: $180,006Net Income 2021: -$15,9492021Revenue 2022: $169,265Expenses 2022: $121,749Net Income 2022: $47,5162022Revenue 2023: $132,713Expenses 2023: $156,844Net Income 2023: -$24,1312023Revenue 2024: $91,636Expenses 2024: $80,284Net Income 2024: $11,3522024

Highlighted filing

2024

Revenue$91,636
Expenses$80,284
Net Income$11,352
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
$349,734
Liabilities
$0
Net assets
$349,734
Revenue
$91,636
Expenses
$80,284
Net income
$11,352
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.50$0.00$3.50$0.92$0.80$0.11
2023Summary only. Only limited summary data is available for this year.$3.38$0.00$3.38$1.33$1.57$0.24
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.63$0.00$3.63$1.69$1.22$0.48
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.15$0.00$3.15$1.64$1.80$0.16
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.31$0.00$3.31$1.24$0.80$0.44
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.87$0.00$2.87$2.18$2.00$0.18
2018Summary only. Only limited summary data is available for this year.$2.69$0.00$2.69$0.46$1.68$1.23
2017Summary only. Only limited summary data is available for this year.$2.45$0.00$2.45$2.06$1.97$0.09
2016Summary only. Only limited summary data is available for this year.$2.36$0.00$2.36$2.35$2.33$0.03
2015Summary only. Only limited summary data is available for this year.$2.33$0.00$2.33$2.56$2.53$0.03
2014Summary only. Only limited summary data is available for this year.$2.31$0.00$2.31$2.35$2.41$0.06
2013Summary only. Only limited summary data is available for this year.$2.36$0.00$2.36$2.70$2.57$0.13
2012Summary only. Only limited summary data is available for this year.$2.24$0.00$2.24$2.97$2.94$0.03
2011Summary only. Only limited summary data is available for this year.$2.21$0.00$2.21$3.00$3.24$0.24
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.0
Gross Receipts
$91,636
Mission and Program Overview

Mission

The 13 Chapters of New York Credit Union Association, Inc. represent the grassroots efforts of New York credit unions. The Chapters generate funds from functions such as dinner meetings, education sessions, events, and an annual allocation from the state trade association dues. These funds are expended in the credit union spirit of 'People Helping People' in the form of scholarships, seminars, discussion forums, charitable causes, and community services.

The Association's chapters reflect the grassroots efforts of NY credit unions. Chapters generate funds from dinner meetings, seminars, events and an annual allocation from the Association. Funds are expended on meetings, education, consumer awareness, advocacy, scholarships and charitable causes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$338,382$349,734▲ $11,352
Savings and Temporary Cash Investments$0$0→ $0
Accounts Receivable$0$0→ $0
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$338,382$349,734▲ $11,352
Other Assets Total$0$0→ $0
Liabilities
Accounts Payable and Accrued Expenses$0$0→ $0
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$338,382$349,734▲ $11,352
Net Assets With Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$338,382$349,734▲ $11,352
Total Liabilities and Net Assets / Fund Balance$338,382$349,734▲ $11,352
Compensation and Service Providers
Top Officer Pay77th percentile

Board Members and Trustees

NameTitle
Jody CarpenterAdirondack Chapter President
Mike CarterCapital Chapter President
Kristine Coleman-JelinekCatskill-Hudson President
Christin VincentCentral New York Chapter President
Ihor MakarenkoGreater Hudson Valley President
Jennifer GunnLong Island Chapter President
VacantMetropolitan Chapter President
Kate CzarneckiRochester Chapter President
Kay MurraySouthern Tier Chapter President
Micheld WalczakTri-Chapter WNY Chapter President
Nick MayhewUtica-Rome Chapter President
Eric McDowellAdirondack Chapter Treasurer
Alyssa EvanchickCapital Chapter Treasurer
Troy Del ValleCatskill-Hudson Treasurer
Jessica AndrewsCentral New York Chapter Treasurer
Vincent DambrosoGreater Hudson Valley Chapter Treasurer
Eric OtersonLong Island Chapter Treasurer
VacantMetropolitan Chapter Treasurer
Matt AmesburyRochester Chapter Treasurer
Lisa GormanSouthern Tier Chapter Treasurer
Jen EschenbachTri-Chapter WNY Chapter Treasurer
Patrick GallagherUtica-Rome Chapter Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$45,000
Program Service Revenue
$44,530
Investment Income
$2,106
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$11,352
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$54,408
Other Expenses$25,876
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Orgs---$38,658
Conferences and Meetings---$25,187
Grants to Domestic Individuals---$15,750
Other Expenses---$189
Total Functional Expenses$0$0$0$80,284
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
New York Credit Union FoundationAlbany, NY501(c)(3)Charitable Donation$12,750
Childrens' Miracle Network HospitalsSalt Lake City, UT501(c)(3)Charitable Donation$8,500
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Other officer compensation reviewed
No
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

“Credit unions that are dues paying members of New York Credit Union Association are automatically members of their geographic Chapter where the credit union and/or its branches are located. Employees and volunteers of such credit unions participate in the Chapter's events.”

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

“The members of each Chapter annually elect a governing Chapter Council lead by the Chapter Officers as set forth n the Chapter Bylaws.”

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

“Each Chapter Treasurer is required to submit an annual financial report prescribed by the New York Credit Union Association in a format needed to prepare a complete and accurate group Form 990 on behalf of all Chapters. Each Chapter report is reviewed by the New York Credit Union Association's Chief Financial Officer to ensure its completeness and accuracy and then summarized as a group filing on behalf of all Chapters.”

Form 990, Part VI, Section C, Line 19

“Form 990 and related schedules as well as all governing documents are available for public inspection upon request at 4 Tower Place, 5th Floor, Executive Tower, Albany, NY 12203”

Filing and Contact Details

Filer

Filer Name
New York Credit Union Association Inc
EIN
91-1996137
Phone
8003429835
Address
PO Box 15118, Albany, NY 12212-5118
Doing Business As
NYCUA Chapters

Signing Officer

Name
Edward Kovalefsky
Title
Chief Financial Officer
Phone
5184378247
Signed
2025-11-17

Organization Details

Principal Officer
Edward W Kovalefsky CFO
Formed
1917
Legal Domicile
Ny
Voting Board Members
11
Independent Board Members
11
Employees
0
Volunteers
22
Raw XML AppendixShowing 400 of 621 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/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0The Association's chapters reflect the grassroots efforts of NY credit unions. Chapters generate funds from dinner meetings, seminars, events and an annual allocation from the Association. Funds are expended on meetings, education, consumer awareness, advocacy, scholarships and charitable causes.
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IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NY
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IRS990/CYGrantsAndSimilarPaidAmt054408
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IRS990/CYRevenuesLessExpensesAmt011352
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IRS990/CYTotalExpensesAmt080284
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IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt091636
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
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IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0Program service revenue includes Membership Services which encompasses the educational sessions that provide professional training and education for credit union management, employees, and volunteers. Community events are also held to promote credit union awareness and membership as well as consumer financial education. Annual meetings for the Chapters are also held for the election of officers. Additionally, dinner meetings and workshops are held to provide speakers on pertinent issues as well as a forum for members to exchange information and discuss regulatory issues.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt210
IRS990/Form990PartVIISectionAGrp/PersonNm0Jody Carpenter
IRS990/Form990PartVIISectionAGrp/PersonNm1Eric McDowell
IRS990/Form990PartVIISectionAGrp/PersonNm2Mike Carter
IRS990/Form990PartVIISectionAGrp/PersonNm3Alyssa Evanchick
IRS990/Form990PartVIISectionAGrp/PersonNm4Kristine Coleman-Jelinek
IRS990/Form990PartVIISectionAGrp/PersonNm5Troy Del Valle
IRS990/Form990PartVIISectionAGrp/PersonNm6Christin Vincent
IRS990/Form990PartVIISectionAGrp/PersonNm7Jessica Andrews
IRS990/Form990PartVIISectionAGrp/PersonNm8Micheld Walczak
IRS990/Form990PartVIISectionAGrp/PersonNm9Jennifer Gunn
IRS990/Form990PartVIISectionAGrp/PersonNm10Eric Oterson
IRS990/Form990PartVIISectionAGrp/PersonNm11Vacant
IRS990/Form990PartVIISectionAGrp/PersonNm12Vacant
IRS990/Form990PartVIISectionAGrp/PersonNm13Kate Czarnecki
IRS990/Form990PartVIISectionAGrp/PersonNm14Matt Amesbury
IRS990/Form990PartVIISectionAGrp/PersonNm15Kay Murray
IRS990/Form990PartVIISectionAGrp/PersonNm16Lisa Gorman
IRS990/Form990PartVIISectionAGrp/PersonNm17Nick Mayhew
IRS990/Form990PartVIISectionAGrp/PersonNm18Patrick Gallagher
IRS990/Form990PartVIISectionAGrp/PersonNm19Ihor Makarenko
IRS990/Form990PartVIISectionAGrp/PersonNm20Vincent Dambroso
IRS990/Form990PartVIISectionAGrp/PersonNm21Jen Eschenbach
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Adirondack Chapter President
IRS990/Form990PartVIISectionAGrp/TitleTxt1Adirondack Chapter Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt2Capital Chapter President
IRS990/Form990PartVIISectionAGrp/TitleTxt3Capital Chapter Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Catskill-Hudson President
IRS990/Form990PartVIISectionAGrp/TitleTxt5Catskill-Hudson Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt6Central New York Chapter President
IRS990/Form990PartVIISectionAGrp/TitleTxt7Central New York Chapter Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt8Tri-Chapter WNY Chapter President
IRS990/Form990PartVIISectionAGrp/TitleTxt9Long Island Chapter President
IRS990/Form990PartVIISectionAGrp/TitleTxt10Long Island Chapter Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt11Metropolitan Chapter President
IRS990/Form990PartVIISectionAGrp/TitleTxt12Metropolitan Chapter Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt13Rochester Chapter President
IRS990/Form990PartVIISectionAGrp/TitleTxt14Rochester Chapter Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt15Southern Tier Chapter President
IRS990/Form990PartVIISectionAGrp/TitleTxt16Southern Tier Chapter Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt17Utica-Rome Chapter President
IRS990/Form990PartVIISectionAGrp/TitleTxt18Utica-Rome Chapter Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt19Greater Hudson Valley President
IRS990/Form990PartVIISectionAGrp/TitleTxt20Greater Hudson Valley Chapter Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt21Tri-Chapter WNY Chapter Treasurer
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IRS990/MissionDesc0The Chapters of New York Credit Union Association, Inc. represent the grassroots efforts of New York credit unions. The Chapters generate funds from functions such as dinner meetings, education sessions, events, and an annual allocation from the state trade association dues. These funds are expended in the credit union spirit of 'People Helping People' in the form of scholarships, seminars, discussion forums, charitable causes, and community services.
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