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Nonprofiteer
← PA NJ CREDIT UNION ASSOCIATION

Form 990 for tax year 2023

Filed by PA NJ CREDIT UNION ASSOCIATION.

Totals

Total revenue
$6,746,845
Total expenses
$5,320,930
Contributions and grants received
$0
Grants paid
$16,911
Program service revenue
$6,108,815
Investment income
$578,783
Other revenue
$59,247
Total assets, end of year
$25,635,027
Total liabilities, end of year
$3,082,813
Net assets or fund balances, end of year
$22,552,214
Program services expenses (Part IX)
$0
Management and general expenses
$0
Fundraising expenses
$0
Program service expenses (Part III)
not reported

Program services were 0.0% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

Line items

Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.

Revenue

Part VIII, the statement of revenue.

  • 2a · Program service revenue: MEMBERSHIP DUES

    total $3,148,142 · related or exempt $3,148,142

  • 2b · Program service revenue: MANAGEMENT SERVICE FEE

    total $1,195,500 · related or exempt $1,195,500

  • 2c · Program service revenue: OTHER PROGRAM SERVICE REVENUE

    total $595,064 · related or exempt $595,064

  • 2d · Program service revenue: CONVENTION

    total $573,948 · related or exempt $573,948

  • 2e · Program service revenue: CONFRENCES & TRAINING

    total $527,537 · related or exempt $527,537

  • 2f · All other program service revenue

    total $68,624 · related or exempt $68,624

  • 3 · Investment income

    total $578,783 · excluded $578,783

  • 6a · Gross rents

    real property $24,000

  • 6c · Rental income or loss

    real property $24,000

  • 6d · Net rental income or loss

    total $24,000 · unrelated business $24,000

  • 8a · Fundraising events: gross income

    $61,816

  • 8b · Fundraising events: direct expenses

    $26,569

  • 8c · Net income from fundraising events

    total $35,247 · excluded $35,247

Functional expenses

Part IX, the statement of functional expenses.

  • 2 · Grants to domestic individuals

    total $16,911

  • 7 · Other salaries and wages

    total $2,659,950

  • 9 · Other employee benefits

    total $551,227

  • 10 · Payroll taxes

    total $163,346

  • 11b · Fees: legal

    total $12,722

  • 11c · Fees: accounting

    total $23,400

  • 11g · Fees: other

    total $125,370

  • 13 · Office expenses

    total $17,963

  • 14 · Information technology

    total $85,237

  • 16 · Occupancy

    total $167,665

  • 17 · Travel

    total $140,245

  • 19 · Conferences, conventions and meetings

    total $496,903

  • 22 · Depreciation, depletion and amortization

    total $73,400

  • 23 · Insurance

    total $45,883

  • 24a · Other expenses: PUBLIC RELATIONS

    total $198,332

  • 24b · Other expenses: OTHER EXPENSES

    total $133,211

  • 24c · Other expenses: GOVERNMENTAL RELATIONS

    total $131,890

  • 24d · Other expenses: DEFERRED COMPENSATION

    total $87,721

  • 24e · All other expenses

    total $189,554

Balance sheet

Part X, book values.

  • 1 · Cash, non-interest-bearing

    beginning of year $300 · end of year $300

  • 2 · Savings and temporary cash investments

    beginning of year $14,579,893 · end of year $15,653,809

  • 4 · Accounts receivable

    beginning of year $41,392 · end of year $379,746

  • 9 · Prepaid expenses and deferred charges

    beginning of year $158,516 · end of year $451,351

  • 10a · Land, buildings and equipment: cost or other basis

    $3,662,568

  • 10b · Land, buildings and equipment: accumulated depreciation

    $3,052,818

  • 10c · Land, buildings and equipment, net

    beginning of year $621,012 · end of year $609,750

  • 12 · Investments: other securities

    beginning of year $7,703,298 · end of year $8,393,353

  • 15 · Other assets

    beginning of year $273,700 · end of year $146,718

  • 17 · Accounts payable and accrued expenses

    beginning of year $596,266 · end of year $690,031

  • 19 · Deferred revenue

    beginning of year $1,267,301 · end of year $1,452,663

  • 21 · Escrow or custodial account liability

    beginning of year $583,275 · end of year $642,995

  • 25 · Other liabilities

    beginning of year $289,331 · end of year $297,124

  • 27 · Net assets without donor restrictions

    beginning of year $20,535,786 · end of year $22,500,957

  • 28 · Net assets with donor restrictions

    beginning of year $106,152 · end of year $51,257

Mission and programs · 2023

Mission

CROSSSTATE PROVIDES ADVOCACY, RESOURCES, AND SOLUTIONS TO MEMBER CREDIT UNIONS IN PENNSYLVANIA AND NEW JERSEY.

  • THE ORGANIZATION PROMOTES ADVOCACY AND PROVIDES EDUCATIONAL RESOURCES AND GUIDANCE TO CREDIT UNIONS. CROSSSTATE IS GOVERNED BY A BOARD OF DIRECTORS WHO ARE ELECTED BY AND ARE FROM AFFILIATED CREDIT UNIONS BY ASSET CATEGORIES WITHIN THEIR STATE.

  • MEMBERS OF THE ORGANIZATION RECEIVE VARIOUS BENEFITS FROM SERVICES PROVIDED BY CROSSSTATE SUCH AS LEGISLATIVE AND REGULATORY ADVOCACY, EDUCATION AND PROFESSIONAL DEVELOPMENT, PUBLIC RELATIONS, AND COMPLIANCE ASSISTANCE FOR STATE AND FEDERAL MATTERS.

As filed on the 2023 return.

Listed in Part VII

  • Patrick Conway

    PRESIDENT &

    Total calculated
    $674,425
    From this org
    $608,238
    From related orgs
    $0
    Other
    $66,187
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $608,238
    Bonus
    not reported
    Other
    not reported
    Deferred
    $48,687
    Nontaxable benefits
    $17,500
    Filer's total
    $674,425

  • Christina Mihalik

    SVP GOV RELA

    Total calculated
    $182,012
    From this org
    $166,632
    From related orgs
    $0
    Other
    $15,380
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $166,632
    Bonus
    not reported
    Other
    not reported
    Deferred
    $3,716
    Nontaxable benefits
    $11,664
    Filer's total
    $182,012

  • Nicola Foggie

    CHIEF REG OF

    Total calculated
    $149,531
    From this org
    $137,219
    From related orgs
    $0
    Other
    $12,312
    Hours/week
    40

  • Bradford Simpson

    CFO

    Total calculated
    $143,059
    From this org
    $113,317
    From related orgs
    $0
    Other
    $29,742
    Hours/week
    40

  • Kamala Branchick

    VP, HR & OPE

    Total calculated
    $137,695
    From this org
    $118,610
    From related orgs
    $0
    Other
    $19,085
    Hours/week
    40

  • Andy Jaeger

    CHAIR

    Total calculated
    $0
    Hours/week
    1

  • Wendy Kingsland

    VICE CHAIR

    Total calculated
    $0
    Hours/week
    1

  • David Ardire

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.5

  • Jim Burns

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.5

  • Traci Donahue

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.5

  • Richard Garcia

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.5

  • Jill Peterson

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.5

  • Jay Reed

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.5

  • Stacey Remick

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.5

  • Annemarie Shinn

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.5

  • Joel Slagan

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.5

  • Richard Stipa

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0.5

  • Darlene J Walker

    PRESIDENT -

    Total calculated
    $0
    Hours/week
    1

  • Victor A Gioiosa Jr

    PRESIDENT -

    Total calculated
    $0
    Hours/week
    1

  • Scott Brunner

    VP - BEAVER

    Total calculated
    $0
    Hours/week
    1

  • Joseph Fletcher

    PRESIDENT -

    Total calculated
    $0
    Hours/week
    1

  • Sarah J Johnston

    PRESIDENT -

    Total calculated
    $0
    Hours/week
    1

  • Amanda Hopple

    PRESIDENT -

    Total calculated
    $0
    Hours/week
    1

  • Karen Walker

    PRESIDENT -

    Total calculated
    $0
    Hours/week
    1

  • Felicia Cunningham

    PRESIDENT -

    Total calculated
    $0
    Hours/week
    1

  • Rosemarie E Krantz

    PRESIDENT -

    Total calculated
    $0
    Hours/week
    1

  • Gary Loomis

    PRESIDENT -

    Total calculated
    $0
    Hours/week
    1

  • Vincent J Market

    PRESIDENT -

    Total calculated
    $0
    Hours/week
    1

  • Brenda Raker

    PRESIDENT-NW

    Total calculated
    $0
    Hours/week
    1

  • Stacey Hovan

    PRESIDENT -

    Total calculated
    $0
    Hours/week
    1

  • Marie O'Brien

    PRESIDENT -

    Total calculated
    $0
    Hours/week
    1

  • Michael Vatter

    PRESIDENT -

    Total calculated
    $0
    Hours/week
    1

  • Debra A Kauffman

    VP - YORK

    Total calculated
    $0
    Hours/week
    1

  • Bob Steeves

    PRESIDENT -

    Total calculated
    $0
    Hours/week
    1

  • Mark Malinowski

    PRESIDENT -

    Total calculated
    $0
    Hours/week
    1

  • Gary Chizmadia

    PRESIDENT -

    Total calculated
    $0
    Hours/week
    1

  • John Newman

    PRESIDENT -

    Total calculated
    $0
    Hours/week
    1

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us.

Schedule J

Answered yes

  • 1a · Travel for companions
  • 1a · Health or social club dues or initiation fees
  • 1b · Written policy on the line-1a expenses
  • 2 · Substantiation required before reimbursing expenses
  • 3 · Compensation committee
  • 3 · Independent compensation consultant
  • 3 · Written employment contract
  • 3 · Compensation survey or study
  • 3 · Approval by the board or compensation committee

Answered no

  • 4a · Severance or change-of-control payment
  • 4b · Supplemental nonqualified retirement plan
  • 4c · Equity-based compensation arrangement

Part I's answers as filed. A line not listed was left unanswered; on lines 1a and 3 that means the box was not checked.

Grants on this return

No itemized grants to organizations on this return.

Related organizations on this return

Schedule R Part II: tax-exempt organizations related to the filer by control. It does not record shared board members or money.

Taxable family on this return

Schedule R Parts I, III and IV, as filed. These record ownership and control, not shared board members or money moved.

Related corporations and trusts

Part IV: related organizations taxable as a corporation or trust.

  • MID-ATLANTIC REGIONAL SERVICE CORP

    C CORP · MARKETING · PA · 21.09% owned · share of income -$84 · share of assets $25,976

  • PA NJ CU SOLUTIONS INC

    C CORP · SERVICES · PA · 21.09% owned · share of income -$84 · share of assets $25,976

    Directly controlled by CCUA

Provenance

Return type
form_990
Tax year
2023
Filed
23 October 2024
IRS schema version
2023v5.0
Source object
202443179349304414

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