2025-03-27T04:29:41-05:00 2024-12-31 232108173 RKL LLP 1330 BROADCASTING ROAD WYOMISSING PA 196106008 990 2024-01-01 231402813 WHITE ROSE CREDIT UNION WHIT 7177559773 3498 INDUSTRIAL DRIVE YORK PA 17402 BRYAN C SMITH PRESIDENT & CEO 7177559773 2025-03-21 1 0 RUTHANN J WOLL CPA P00647342 6103761595 2025-03-21 2024 2025-03-06 01:10:19Z BRYAN C SMITH 3498 INDUSTRIAL DRIVE YORK PA 17402 6907104 0 X WWW.WHITEROSECU.COM X 1950 PA WHITE ROSE CREDIT UNION IS COMMITTED TO IMPROVING THE LIVES OF OUR MEMBERS AND COMMUNITY-AND INSPIRING OTHERS TO DO THE SAME. IT'S OUR COMMUNITY. WE CARE. 6 5 54 7 0 0 0 0 6252681 5836631 471272 856323 11940 12955 6735893 6705909 2910 2000 0 0 2648535 2626901 0 0 0 3276049 4099450 5927494 6728351 808399 -22442 111353983 114202315 101964376 104794355 9389607 9407960 X WHITE ROSE CREDIT UNION IS COMMITTED TO IMPROVING THE LIVES OF OUR MEMBERS AND COMMUNITY, AND INSPIRING OTHERS TO DO THE SAME. IT'S OUR COMMUNITY. WE CARE. 0 0 PROVIDE LOANS TO MORE THAN 11,267 MEMBERS. PROVIDE AN INSURED FINANCIAL DEPOSITORY INSTITUTION FOR MORE THAN 11,267 MEMBERS. PROVIDE FINANCIAL SERVICES TO MORE THAN 11,267 MEMBERS. PROVIDE LOANS AND FINANCIAL SERVICES TO MORE THAN 11,267 MEMBERS. 0 0 0 0 0 0 0 0 0 1 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 X 2206 0 1 54 1 0 0 0 0 0 0 0 0 X 6 5 0 0 0 0 1 1 1 1 1 0 1 0 0 1 1 0 1 1 1 0 0 X BRYAN C SMITH 7177559773 3498 INDUSTRIAL DRIVE YORK PA 17402 DEBRA KAUFFMAN TILL 92024 CEO/TREASURER 50.00 X X 142192 0 23078 JAMES R SANFORD CHAIRPERSON 1.00 X 0 0 0 JOHN A BROWNLEE JR VICE CHAIRPERSON 1.00 X 0 0 0 CHRISTOPHER M DEROUAUX SECRETARY 1.00 X 0 0 0 GEORGE WATSON IV DIRECTOR 1.00 X 0 0 0 KEITH A COSGROVE DIRECTOR 1.00 X 0 0 0 BRYAN C SMITH START 102024 PRESIDENT & CEO 50.00 X X 103803 0 22295 245995 0 45373 2 0 1 0 FISERV 600 VEL R PHILIP AVE MILWAUKEE WI 53203 CARD / ATM PROCESSING 341223 VISA 277 PARK AVENUE NEW YORK NY 10172 CARD PROCESSING 159694 CMC FLEX 8520 SANDY PKWY SANDY UT 84070 CORE SOFTWARE 141594 TREYSTA TECHNOLOGY MANAGEMENT 540B GREENBRIAR ROAD YORK PA 17404 IT SERVICES 103033 4 INTEREST ON LOANS 522100 4162242 4162242 OTHER OPERATING INCOME 522100 908078 908078 FEES AND CHARGES 522100 766311 766311 5836631 900218 900218 12955 0 12955 12955 12955 157300 201195 -43895 -43895 -43895 6705909 5836631 0 869278 2000 291946 1963379 28003 165076 178497 42084 28309 588463 115725 1155711 260471 17113 849940 368452 65161 PROVISION FOR LOAN LOSS 353986 OTHER MISCELLANEOUS 152959 LOAN SERVICING 101076 6728351 753125 782789 4092205 3809589 450527 533685 78719383 70894018 771878 386891 6003543 1035802 5155870 4967741 14920258 23388179 5803189 7800614 10761 8777 676787 1630032 111353983 114202315 685760 630686 101278616 104163669 101964376 104794355 X 0 0 0 0 9389607 9407960 9389607 9407960 111353983 114202315 X -22442 40795 X 0 0 0 598735 598735 4710734 1035802 3674932 694074 694074 4967741 CERTIFICATES OF DEPOSIT 7474078 C PACUSC STOCK 15000 C CORP CU PERPETUAL CAPITAL 274698 C FHLB MEMBERSHIP STOCK 22100 C FHLB CASH ACCOUNT 14738 C 7800614 REGULAR SHARES 52741419 MONEY MARKET 5733341 SHARE DRAFTS 20877386 OTHER SHARES 2714641 IRA SHARES & CERTIFICATES 6440217 SHARE CERTIFICATES 15656665 104163669 1 X X 0 0 0 DEBRA KAUFFMAN TILL 92024 CEO/TREASURER 142192 0 0 0 0 0 8601 0 14477 0 165270 0 0 0 PART V LINE 1C THE ORGANIZATION DID NOT HAVE ANY INSTANCES WHERE BACKUP WITHHOLDING WAS REQUIRED; HOWEVER, IF THE SITUATION WOULD ARISE, THE ORGANIZATION IS AWARE OF THE REPORTING REQUIREMENTS AND WOULD HANDLE THAT ACCORDINGLY. FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS. EACH MEMBER HAS A SINGLE VOTE IN THE ELECTION OF THE MEMBERS TO THE CREDIT UNION'S BOARD OFDIRECTORS. FORM 990, PART VI, SECTION A, LINE 7A THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS. EACH MEMBER HAS A SINGLE VOTE IN THE ELECTION OF MEMBERS TO THE CREDIT UNION'S BOARD OF DIRECTORS. FORM 990, PART VI, SECTION A, LINE 7B MERGERS AND BOARD OF DIRECTORS ARE GOVERANCE DECISIONS THAT ARE DECIDED BY MEMBERS OF THE CREDIT UNION. FORM 990, PART VI, SECTION B, LINE 10B WHITE ROSE CREDIT UNION HAS WRITTEN POLICIES AND PROCEDURES GOVERNING THE ACTIVITIES OF BRANCHES TO ENSURE THEIR OPERATIONS ARE CONSISTENT. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS REVIEWED BY THE CHIEF EXECUTIVE OFFICER BEFORE FILING WITH THE IRS. ONCE REVIEWED THE COMPLETED FORM 990 IS AVAILABLE FOR REVIEW UPON REQUEST. FORM 990, PART VI, SECTION B, LINE 15A WRCU UTLITIZES CU SOLUTIONS GROUP AND COMPEASE RESOURCE (DATA ON SALARY RANGES) TO DETERMINE COMPENSATION AND WAGE INCREASES. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION'S GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST. THE CREDIT UNION'S FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY ON A MONTHLY BASIS. FORM 990, PART XI, LINE 9: CECL TRANSITION AMOUNT 40,795.