RIVERSET CREDIT UNION: Form 990, tax year 2015
View the entire original 990 at ProPublica ↗
- Organization
- RIVERSET CREDIT UNION (EIN 25-0732150)
- Tax period
- 2015-01-01 to 2015-12-31
- Filed
- 2016-11-08
- IRS object ID
- 201633139349301798
- Schema version
- 2015v2.1
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2016-11-08T15:14:10-06:00 | ReturnTs |
| Tax Period End | 2015-12-31 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 251615634 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | COTTRILL ARBUTINA & ASSOCIATES | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 525 THIRD STREET | AddressLine1Txt |
| City | BEAVER | CityNm |
| State Abbreviation | PA | StateAbbreviationCd |
| ZIP | 150092228 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnTypeCd |
| Tax Period Begin | 2015-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 250732150 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | RIVERSET CREDIT UNION | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | RIVE | BusinessNameControlTxt |
| Phone | 4124882525 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1700 JANE STREET | AddressLine1Txt |
| City | PITTSBURGH | CityNm |
| State Abbreviation | PA | StateAbbreviationCd |
| ZIP | 15203 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | EDWARD RUSNAK | PersonNm |
| Person Title | CFO | PersonTitleTxt |
| Phone | 4124882525 | PhoneNum |
| Signature | 2016-11-08 | SignatureDt |
| Discuss With Paid Preparer | Yes (true) | DiscussWithPaidPreparerInd |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | LUCAS A RIHELY CPA CFE | PreparerPersonNm |
| PTIN | P00979719 | PTIN |
| Phone | 7246833400 | PhoneNum |
| Preparation | 2016-11-08 | PreparationDt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2015 | TaxYr |
| Build TS | 2017-02-10 21:41:12Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Principal Officer | EDWARD RUSNAK | PrincipalOfficerNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1700 JANE STREET | AddressLine1Txt |
| City | PITTSBURGH | CityNm |
| State Abbreviation | PA | StateAbbreviationCd |
| ZIP | 15203 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | $5,667,660 | GrossReceiptsAmt |
| Group Return For Affiliates | false | GroupReturnForAffiliatesInd |
| Organization501c | Yes (X) | Organization501cInd |
| Website Address | WWW.RIVERSET.COM | WebsiteAddressTxt |
| Type Of Organization Other | Yes (X) | TypeOfOrganizationOtherInd |
| Other Organization Dsc | CREDIT UNION | OtherOrganizationDsc |
| Formation | 1934 | FormationYr |
| Legal Domicile State | PA | LegalDomicileStateCd |
| Activity Or Mission | THE MISSION OF RIVERSET CREDIT UNION IS TO PROVIDE LOW-COST FINANCIAL INSTITUTION SERVICES TO ITS MEMBERS. | ActivityOrMissionDesc |
| Voting Members Governing Body | 7 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 7 | VotingMembersIndependentCnt |
| Total Employee | 40 | TotalEmployeeCnt |
| Total Gross UBI | $2,888 | TotalGrossUBIAmt |
| Net Unrelated Bus Txbl Incm | $1,888 | NetUnrelatedBusTxblIncmAmt |
| CY Contributions Grants | $0 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $3,506,804 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $3,758,086 | CYProgramServiceRevenueAmt |
| PY Investment Income | $363,472 | PYInvestmentIncomeAmt |
| CY Investment Income | $269,261 | CYInvestmentIncomeAmt |
| PY Other Revenue | $1,636,643 | PYOtherRevenueAmt |
| CY Other Revenue | $1,640,313 | CYOtherRevenueAmt |
| PY Total Revenue | $5,506,919 | PYTotalRevenueAmt |
| CY Total Revenue | $5,667,660 | CYTotalRevenueAmt |
| CY Grants And Similar Paid | $0 | CYGrantsAndSimilarPaidAmt |
| CY Benefits Paid To Members | $0 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $1,711,357 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $1,761,741 | CYSalariesCompEmpBnftPaidAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $3,366,324 | PYOtherExpensesAmt |
| CY Other Expenses | $3,226,680 | CYOtherExpensesAmt |
| PY Total Expenses | $5,077,681 | PYTotalExpensesAmt |
| CY Total Expenses | $4,988,421 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | $429,238 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | $679,239 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $115,485,066 | TotalAssetsBOYAmt |
| Total Assets EOY | $114,846,436 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $91,774,582 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $90,442,056 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $23,710,484 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $24,404,380 | NetAssetsOrFundBalancesEOYAmt |
| Mission | THE MISSION OF RIVERSET CREDIT UNION IS TO PROVIDE LOW-COST FINANCIAL INSTITUTION SERVICES TO ITS MEMBERS. | MissionDesc |
| Significant New Program Srvc | false | SignificantNewProgramSrvcInd |
| Significant Change | false | SignificantChangeInd |
| Expense | $4,988,421 | ExpenseAmt |
| Revenue | $5,667,660 | RevenueAmt |
| Desc | PROVIDE LOW-COST FINANCIAL INSTITUTION SERVICES TO ITS MEMBERS. | Desc |
| Total Program Service Expenses | $4,988,421 | TotalProgramServiceExpensesAmt |
| Described In Section501c3 | false | DescribedInSection501c3Ind |
| Schedule B Required | false | ScheduleBRequiredInd |
| Political Campaign Acty | false | PoliticalCampaignActyInd |
| Subject To Proxy Tax | false | SubjectToProxyTaxInd |
| Donor Advised Fund | false | DonorAdvisedFundInd |
| Conservation Easements | false | ConservationEasementsInd |
| Collections Of Art | false | CollectionsOfArtInd |
| Credit Counseling | false | CreditCounselingInd |
| Temp Or Permanent Endowments | false | TempOrPermanentEndowmentsInd |
| Report Land Building Equipment | Yes (true) | ReportLandBuildingEquipmentInd |
| Report Investments Other Sec | false | ReportInvestmentsOtherSecInd |
| Report Program Related Invst | false | ReportProgramRelatedInvstInd |
| Report Other Assets | Yes (true) | ReportOtherAssetsInd |
| Report Other Liabilities | Yes (true) | ReportOtherLiabilitiesInd |
| Include FIN48 Footnote | false | IncludeFIN48FootnoteInd |
| Independent Audit Fincl Stmt | false | IndependentAuditFinclStmtInd |
| Consolidated Audit Fincl Stmt | false | ConsolidatedAuditFinclStmtInd |
| School Operating | false | SchoolOperatingInd |
| Foreign Office | false | ForeignOfficeInd |
| Foreign Activities | false | ForeignActivitiesInd |
| More Than5000 K To Org | false | MoreThan5000KToOrgInd |
| More Than5000 K To Individuals | false | MoreThan5000KToIndividualsInd |
| Professional Fundraising | false | ProfessionalFundraisingInd |
| Fundraising Activities | false | FundraisingActivitiesInd |
| Gaming Activities | false | GamingActivitiesInd |
| Operate Hospital | false | OperateHospitalInd |
| Grants To Organizations | false | GrantsToOrganizationsInd |
| Grants To Individuals | false | GrantsToIndividualsInd |
| Schedule J Required | Yes (true) | ScheduleJRequiredInd |
| Tax Exempt Bonds | false | TaxExemptBondsInd |
| Loan Outstanding | false | LoanOutstandingInd |
| Grant To Related Person | false | GrantToRelatedPersonInd |
| Business Rln With Org Mem | false | BusinessRlnWithOrgMemInd |
| Business Rln With Fam Mem | false | BusinessRlnWithFamMemInd |
| Business Rln With Officer Ent | false | BusinessRlnWithOfficerEntInd |
| Deductible Non Cash Contri | false | DeductibleNonCashContriInd |
| Deductible Art Contribution | false | DeductibleArtContributionInd |
| Terminate Operations | false | TerminateOperationsInd |
| Partial Liquidation | false | PartialLiquidationInd |
| Disregarded Entity | false | DisregardedEntityInd |
| Related Entity | false | RelatedEntityInd |
| Related Organization Ctrl Ent | false | RelatedOrganizationCtrlEntInd |
| Activities Conducted Prtshp | false | ActivitiesConductedPrtshpInd |
| Schedule O Required | Yes (true) | ScheduleORequiredInd |
| IRP Document | 7 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| Employee | 40 | EmployeeCnt |
| Employment Tax Returns Filed | Yes (true) | EmploymentTaxReturnsFiledInd |
| Unrelated Bus Incm Over Limit | Yes (true) | UnrelatedBusIncmOverLimitInd |
| Form990 T Filed | Yes (true) | Form990TFiledInd |
| Foreign Financial Account | false | ForeignFinancialAccountInd |
| Prohibited Tax Shelter Trans | false | ProhibitedTaxShelterTransInd |
| Taxable Party Notification | false | TaxablePartyNotificationInd |
| Nondeductible Contributions | false | NondeductibleContributionsInd |
| Indoor Tanning Services | false | IndoorTanningServicesInd |
| Info In Schedule O Part VI | Yes (X) | InfoInScheduleOPartVIInd |
| Governing Body Voting Members | 7 | GoverningBodyVotingMembersCnt |
| Independent Voting Member | 7 | IndependentVotingMemberCnt |
| Family Or Business Rln | false | FamilyOrBusinessRlnInd |
| Delegation Of Mgmt Duties | false | DelegationOfMgmtDutiesInd |
| Change To Org Documents | false | ChangeToOrgDocumentsInd |
| Material Diversion Or Misuse | false | MaterialDiversionOrMisuseInd |
| Members Or Stockholders | Yes (true) | MembersOrStockholdersInd |
| Election Of Board Members | Yes (true) | ElectionOfBoardMembersInd |
| Decisions Subject To Approva | Yes (true) | DecisionsSubjectToApprovaInd |
| Minutes Of Governing Body | Yes (true) | MinutesOfGoverningBodyInd |
| Minutes Of Committees | Yes (true) | MinutesOfCommitteesInd |
| Officer Mailing Address | false | OfficerMailingAddressInd |
| Local Chapters | false | LocalChaptersInd |
| Form990 Provided To Gvrn Body | false | Form990ProvidedToGvrnBodyInd |
| Conflict Of Interest Policy | Yes (true) | ConflictOfInterestPolicyInd |
| Annual Disclosure Covered Prsn | Yes (true) | AnnualDisclosureCoveredPrsnInd |
| Regular Monitoring Enfrc | Yes (true) | RegularMonitoringEnfrcInd |
| Whistleblower Policy | Yes (true) | WhistleblowerPolicyInd |
| Document Retention Policy | Yes (true) | DocumentRetentionPolicyInd |
| Compensation Process CEO | Yes (true) | CompensationProcessCEOInd |
| Compensation Process Other | Yes (true) | CompensationProcessOtherInd |
| Investment In Joint Venture | Yes (true) | InvestmentInJointVentureInd |
| Written Policy Or Procedure | Yes (true) | WrittenPolicyOrProcedureInd |
| Upon Request | Yes (X) | UponRequestInd |
Books In Care Of Detail BooksInCareOfDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | EDWARD RUSNAK CFO | PersonNm |
| Phone | 4124882525 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1700 JANE STREET | AddressLine1Txt |
| City | PITTSBURGH | CityNm |
| State Abbreviation | PA | StateAbbreviationCd |
| ZIP | 15203 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (9 entries)
| TitleTitleTxt | Average Hours Per WeekAverageHoursPerWeekRt | Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd | OfficerOfficerInd | Reportable Comp From OrgReportableCompFromOrgAmt | Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt | Other CompensationOtherCompensationAmt |
|---|---|---|---|---|---|---|
| GEORGE GENSURE | ||||||
| CHAIR | 2.00 | Yes (X) | Yes (X) | $9,600 | $0 | $0 |
| GERARD PAPARIELLA | ||||||
| TREASURER | 2.00 | Yes (X) | $9,600 | $0 | $0 | |
| SYLVIA WILSON | ||||||
| SECRETARY | 2.00 | Yes (X) | Yes (X) | $7,600 | $0 | $0 |
| ROY BUTERBAUGH | ||||||
| VICE CHAIR | 2.00 | Yes (X) | Yes (X) | $7,600 | $0 | $0 |
| THOMAS MOTLEY | ||||||
| BOARD MEMBER | 2.00 | Yes (X) | $2,875 | $0 | $0 | |
| JOHN WILLIAMSON | ||||||
| BOARD MEMBER | 2.00 | Yes (X) | $2,650 | $0 | $0 | |
| HENRY STEPHENS JR | ||||||
| BOARD MEMBER | 2.00 | Yes (X) | $2,425 | $0 | $0 | |
| CHRISTINE CHOJNICKI | ||||||
| CEO | 45.00 | Yes (X) | $145,402 | $0 | $68,027 | |
| EDWARD RUSNAK | ||||||
| CFO | 45.00 | Yes (X) | $111,928 | $0 | $35,613 | |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $299,680 | TotalReportableCompFromOrgAmt |
| Total Other Compensation | $103,640 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 2 | IndivRcvdGreaterThan100KCnt |
| Former Ofcr Employees Listed | false | FormerOfcrEmployeesListedInd |
| Total Comp Greater Than150 K | Yes (true) | TotalCompGreaterThan150KInd |
| Compensation From Other Srcs | false | CompensationFromOtherSrcsInd |
Contractor Compensation ContractorCompensationGrp
Contractor Name ContractorName
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | FISERV | BusinessNameLine1Txt |
Contractor Address ContractorAddress
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 75 REMITTANCE DRIVE | AddressLine1Txt |
| City | CHICAGO | CityNm |
| State Abbreviation | IL | StateAbbreviationCd |
| ZIP | 60675 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Services | CORE PROCESSOR | ServicesDesc |
| Compensation | $885,432 | CompensationAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 1 | CntrctRcvdGreaterThan100KCnt |
Program Service Revenue ProgramServiceRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | LOAN INTEREST INCOME | Desc |
| Total Revenue Column | $3,758,086 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $3,758,086 | RelatedOrExemptFuncIncomeAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $3,758,086 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $269,261 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $269,261 | RelatedOrExemptFuncIncomeAmt |
Other Revenue Misc OtherRevenueMiscGrp (3 entries)
| DescDesc | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt | ExclusionExclusionAmt |
|---|---|---|---|
| FEE INCOME | $906,229 | $906,229 | |
| INTERCHANGE INCOME | $522,562 | $522,562 | |
| KEYSTONE LENDING ALLIANCE | $139,257 | $139,257 |
Miscellaneous Revenue MiscellaneousRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $72,265 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $69,377 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $2,888 | UnrelatedBusinessRevenueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Revenue Total | $1,640,313 | OtherRevenueTotalAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $5,667,660 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $5,525,515 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $2,888 | UnrelatedBusinessRevenueAmt |
| Exclusion | $139,257 | ExclusionAmt |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $403,320 | TotalAmt |
| Program Services | $403,320 | ProgramServicesAmt |
Other Salaries And Wages OtherSalariesAndWagesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,107,181 | TotalAmt |
| Program Services | $1,107,181 | ProgramServicesAmt |
Pension Plan Contributions PensionPlanContributionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $23,331 | TotalAmt |
| Program Services | $23,331 | ProgramServicesAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $103,743 | TotalAmt |
| Program Services | $103,743 | ProgramServicesAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $124,166 | TotalAmt |
| Program Services | $124,166 | ProgramServicesAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $53,599 | TotalAmt |
| Program Services | $53,599 | ProgramServicesAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $111,195 | TotalAmt |
| Program Services | $111,195 | ProgramServicesAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $162,671 | TotalAmt |
| Program Services | $162,671 | ProgramServicesAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $243,410 | TotalAmt |
| Program Services | $243,410 | ProgramServicesAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $154,219 | TotalAmt |
| Program Services | $154,219 | ProgramServicesAmt |
Travel TravelGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $6,128 | TotalAmt |
| Program Services | $6,128 | ProgramServicesAmt |
Interest InterestGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $254,176 | TotalAmt |
| Program Services | $254,176 | ProgramServicesAmt |
Depreciation Depletion DepreciationDepletionGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $180,517 | TotalAmt |
| Program Services | $180,517 | ProgramServicesAmt |
Insurance InsuranceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $60,790 | TotalAmt |
| Program Services | $60,790 | ProgramServicesAmt |
Other Expenses OtherExpensesGrp (4 entries)
| DescDesc | TotalTotalAmt | Program ServicesProgramServicesAmt |
|---|---|---|
| EXP-LOAN SERVICING | $788,739 | $788,739 |
| EXP-PROFESSIONAL FEES | $673,859 | $673,859 |
| EXP-LOSS PROVISION | $430,000 | $430,000 |
| EXP-OTHEREXP | $67,877 | $67,877 |
All Other Expenses AllOtherExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $39,500 | TotalAmt |
| Program Services | $39,500 | ProgramServicesAmt |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $4,988,421 | TotalAmt |
| Program Services | $4,988,421 | ProgramServicesAmt |
| Management And General | $0 | ManagementAndGeneralAmt |
| Fundraising | $0 | FundraisingAmt |
Cash Non Interest Bearing CashNonInterestBearingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $180,023 | BOYAmt |
| EOY | $279,438 | EOYAmt |
Savings And Temp Cash Invst SavingsAndTempCashInvstGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $20,303,616 | BOYAmt |
| EOY | $18,045,207 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $78,673,065 | BOYAmt |
| EOY | $83,315,975 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $5,650,364 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $3,186,350 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,576,018 | BOYAmt |
| EOY | $2,464,014 | EOYAmt |
Investments Pub Traded Sec InvestmentsPubTradedSecGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $6,984,809 | BOYAmt |
| EOY | $3,983,743 | EOYAmt |
Investments Program Related InvestmentsProgramRelatedGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $317,926 | BOYAmt |
| EOY | $449,200 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $6,449,609 | BOYAmt |
| EOY | $6,308,859 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $115,485,066 | BOYAmt |
| EOY | $114,846,436 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $91,104,903 | BOYAmt |
| EOY | $89,597,670 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $669,679 | BOYAmt |
| EOY | $844,386 | EOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $91,774,582 | BOYAmt |
| EOY | $90,442,056 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Org Does Not Follow SFAS117 | Yes (X) | OrgDoesNotFollowSFAS117Ind |
Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $23,710,484 | BOYAmt |
| EOY | $24,404,380 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $23,710,484 | BOYAmt |
| EOY | $24,404,380 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $115,485,066 | BOYAmt |
| EOY | $114,846,436 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Reconcilation Revenue Expnss | $679,239 | ReconcilationRevenueExpnssAmt |
| Net Unrlzd Gains Losses Invst | $12,810 | NetUnrlzdGainsLossesInvstAmt |
| Other Changes In Net Assets | $1,847 | OtherChangesInNetAssetsAmt |
| Method Of Accounting Accrual | Yes (X) | MethodOfAccountingAccrualInd |
| Accountant Compile Or Review | false | AccountantCompileOrReviewInd |
| FS Audited | false | FSAuditedInd |
| Federal Grant Audit Required | false | FederalGrantAuditRequiredInd |
Schedule D IRS990ScheduleD
Land LandGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $655,068 | OtherCostOrOtherBasisAmt |
| Book Value | $655,068 | BookValueAmt |
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $3,335,657 | OtherCostOrOtherBasisAmt |
| Depreciation | $1,616,055 | DepreciationAmt |
| Book Value | $1,719,602 | BookValueAmt |
Equipment EquipmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $1,659,639 | OtherCostOrOtherBasisAmt |
| Depreciation | $1,570,295 | DepreciationAmt |
| Book Value | $89,344 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $2,464,014 | TotalBookValueLandBuildingsAmt |
Other Assets Org OtherAssetsOrgGrp (7 entries)
| DescDesc | Book ValueBookValueAmt |
|---|---|
| DEFERRED COMPENSATION INVESTMENT | $4,075,327 |
| NCUA SHARE INS FUND CAPITAL | $950,621 |
| MID-ATLANTIC MEMBERSHIP CAPITAL | $695,661 |
| ACCRUED INTEREST RECEIVABLE | $214,751 |
| OTHER RECEIVABLES | $155,050 |
| PREPAID ASSETS | $112,167 |
| REAL ESTATE LOANS RECEIVABLE | $105,282 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Other Assets | $6,308,859 | TotalBookValueOtherAssetsAmt |
Other Liabilities Org OtherLiabilitiesOrgGrp (7 entries)
| DescDesc | AmtAmt |
|---|---|
| ACCRUED DEFERRED COMPENSATION | $581,752 |
| OTHER LIABILITIES | $236,791 |
| INTEREST PAYABLE | $23,232 |
| FSA | $2,180 |
| INTEREST SUSPENSE | $431 |
| ACCRUED PENSION EXPENSE | |
| VISABALANCETRANSFER |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Liability | $844,386 | TotalLiabilityAmt |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Written Employment Contract | Yes (X) | WrittenEmploymentContractInd |
| Compensation Survey | Yes (X) | CompensationSurveyInd |
| Board Or Committee Approval | Yes (X) | BoardOrCommitteeApprovalInd |
| Severance Payment | false | SeverancePaymentInd |
| Supplemental Nonqual Rtr Plan | Yes (true) | SupplementalNonqualRtrPlanInd |
| Equity Based Comp Arrngm | false | EquityBasedCompArrngmInd |
Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | CHRISTINE CHOJNICKI | PersonNm |
| Title | CEO | TitleTxt |
| Base Compensation Filing Org | $139,586 | BaseCompensationFilingOrgAmt |
| Bonus Filing Organization | $5,816 | BonusFilingOrganizationAmount |
| Deferred Compensation Flng Org | $61,762 | DeferredCompensationFlngOrgAmt |
| Nontaxable Benefits Filing Org | $6,265 | NontaxableBenefitsFilingOrgAmt |
| Total Compensation Filing Org | $213,429 | TotalCompensationFilingOrgAmt |
Supplemental Information Detail SupplementalInformationDetail (2 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| SCHEDULE J, PAGE 1, PART I, LINE 4 | CHRISTINE CHOJNICKI 0 56,585 0 EDWARD RUSNAK 0 25,532 0 |
| SCHEDULE J, PART III | AMOUNTS REPORTED UNDER PART I, LINE 4 AS NONQUALIFIED ARE BASED UPON THE AMOUNTS ACCRUED UNDER THE PLAN IN ACCORDANCE WITH ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA. |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (9 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| FORM 990, PAGE 6, PART VI, LINE 6 | THE ORGANIZATION, A CREDIT UNION, IS ORGANIZED WITH MEMBERS. |
| FORM 990, PAGE 6, PART VI, LINE 7A | SHAREHOLDERS OF THE ORGANIZATION ELECT SOME MEMBERS OF THE GOVERNING BODY. |
| FORM 990, PAGE 6, PART VI, LINE 7B | DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY SHAREHOLDERS. |
| FORM 990, PAGE 6, PART VI, LINE 11B | FORM 990 IS REVIEWED BY CFO AND OTHER MEMBERS OF MANAGEMENT PRIOR TO FILING. |
| FORM 990, PAGE 6, PART VI, LINE 12C | THE ORGANIZATION MONITORS COMPLIANCE WITH THE CONFLICTS POLICY BY PERIODICALLY REVIEWING THE POLICY WITH OFFICERS, DIRECTORS AND OTHER KEY PERSONNEL. |
| FORM 990, PAGE 6, PART VI, LINE 15A | COMPENSATION FOR ALL OFFICERS AND KEY EMPLOYEES IS DETERMINED BY USING THIRD-PARTY ANALYSIS OF COMPARABLE COMPENSATION STRUCTURES WITHIN THE INDUSTRY. THE BOARD-OF-DIRECTORS APPROVES THE COMPENSATION AFTER THE ABOVE ANALYSIS. |
| FORM 990, PAGE 6, PART VI, LINE 15B | COMPENSATION FOR ALL OFFICERS AND KEY EMPLOYEES IS DETERMINED BY USING THIRD-PARTY ANALYSIS OF COMPARABLE COMPENSATION STRUCTURES WITHIN THE INDUSTRY. THE BOARD-OF-DIRECTORS APPROVES THE COMPENSATION AFTER THE ABOVE ANALYSIS. |
| FORM 990, PAGE 6, PART VI, LINE 19 | NO DOCUMENTS AVAILABLE TO THE PUBLIC. |
| FORM 990, PART XI, LINE 9 | KEYSTONE LENDING ALLIANCE TAX VS. GAAP DIFFERENCE 1,847 TOTAL 1,847 |