Totals
- Total revenue
- $3,928,530
- Total expenses
- $3,238,175
- Contributions and grants received
- $0
- Grants paid
- $0
- Program service revenue
- $2,935,169
- Investment income
- $993,361
- Other revenue
- $0
- Total assets, end of year
- $72,711,972
- Total liabilities, end of year
- $64,324,600
- Net assets or fund balances, end of year
- $8,387,372
- Program services expenses (Part IX)
- $3,101,553
- Management and general expenses
- $136,622
- Fundraising expenses
- $0
- Program service expenses (Part III)
- $3,101,553
Program services were 95.8% 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: Interest on Loans
total $2,462,912 · related or exempt $2,462,912
-
2b · Program service revenue: Visa Interchange Income
total $259,427 · related or exempt $259,427
-
2c · Program service revenue: In house Fee income
total $197,406 · related or exempt $197,406
-
2d · Program service revenue: Insurance Commissions
total $15,424 · unrelated business $15,424
-
3 · Investment income
total $1,028,820 · related or exempt $1,028,820
-
7a · Gross sales of assets other than inventory
securities -$35,459
-
7c · Gain or loss
securities -$35,459
-
7d · Net gain or loss
total -$35,459 · related or exempt -$35,459
-
8c · Net income from fundraising events
total $0
Functional expenses
Part IX, the statement of functional expenses.
-
5 · Compensation of officers, directors and key employees
total $414,924 · program services $311,193 · management and general $103,731
-
7 · Other salaries and wages
total $521,769 · program services $521,769
-
8 · Pension plan contributions
total $26,363 · program services $23,657 · management and general $2,706
-
9 · Other employee benefits
total $236,950 · program services $213,997 · management and general $22,953
-
10 · Payroll taxes
total $72,676 · program services $65,444 · management and general $7,232
-
11b · Fees: legal
total $10,049 · program services $10,049
-
11c · Fees: accounting
total $10,480 · program services $10,480
-
11g · Fees: other
total $74,597 · program services $74,597
-
12 · Advertising and promotion
total $168,300 · program services $168,300
-
13 · Office expenses
total $65,437 · program services $65,437
-
14 · Information technology
total $186,321 · program services $186,321
-
16 · Occupancy
total $110,628 · program services $110,628
-
17 · Travel
total $610 · program services $610
-
19 · Conferences, conventions and meetings
total $2,562 · program services $2,562
-
20 · Interest
total $542,434 · program services $542,434
-
22 · Depreciation, depletion and amortization
total $121,403 · program services $121,403
-
23 · Insurance
total $41,748 · program services $41,748
-
24a · Other expenses: Provision for loan losses
total $97,334 · program services $97,334
-
24b · Other expenses: Loan Servicing costs
total $93,359 · program services $93,359
-
24c · Other expenses: Member Services
total $400,718 · program services $400,718
-
24d · Other expenses: Association Dues
total $18,800 · program services $18,800
-
24e · All other expenses
total $20,713 · program services $20,713
Balance sheet
Part X, book values.
-
1 · Cash, non-interest-bearing
beginning of year $383,209 · end of year $379,393
-
2 · Savings and temporary cash investments
beginning of year $1,913,998 · end of year $1,044,971
-
5 · Loans and receivables from officers and key people
beginning of year $752,592 · end of year $779,814
-
7 · Other notes and loans receivable
beginning of year $40,552,638 · end of year $39,805,379
-
9 · Prepaid expenses and deferred charges
beginning of year $78,259 · end of year $89,266
-
10a · Land, buildings and equipment: cost or other basis
$1,061,068
-
10b · Land, buildings and equipment: accumulated depreciation
$638,412
-
10c · Land, buildings and equipment, net
beginning of year $508,427 · end of year $422,656
-
13 · Investments: program-related
beginning of year $24,705,359 · end of year $28,748,599
-
14 · Intangible assets
end of year $426,854
-
15 · Other assets
beginning of year $1,422,397 · end of year $1,015,040
-
17 · Accounts payable and accrued expenses
beginning of year $285,550 · end of year $280,633
-
25 · Other liabilities
beginning of year $62,334,312 · end of year $64,043,967
-
30 · Paid-in or capital surplus, or land, building or equipment fund
beginning of year $647,698
-
31 · Retained earnings, endowment or other funds
beginning of year $7,049,319 · end of year $8,387,372
Mission and programs · 2025
Mission
Albright Credit Unions mission is to serve our members as the best-in-class provider of consumer financial services. We will fulfill our mission by placing a high value on customer satisfaction, quality service, full service delivery and continued credit union stability.
-
Provided Credit Union Members with traditional financial services to meet their financial needs. These include: Loans: Home Equity, Mortgage, Auto and personal loans along with Visa credit cards. Savings: A choice of savings options including CDs and money market accounts, regular share, checking and club savings options. Convience: ATM access and home banking capabilities.
Expenses $3,087,107 · Revenue $3,913,106
-
Provide tangentle financial services for the convenience of SVFCU members. This includes access to reduced insurance premiums.
Expenses $14,446 · Revenue $15,424
As filed on the 2025 return.
Listed in Part VII
-
Sabrina DeFazio
President
- Total calculated
- $233,490
- From this org
- $201,562
- From related orgs
- $0
- Other
- $31,928
- Hours/week
- 50
Schedule J breakdown matched by us · ignoring case and punctuation
- Base
- $177,362
- Bonus
- $24,200
- Other
- not reported
- Deferred
- $5,471
- Nontaxable benefits
- $26,457
- Filer's total
- $233,490
-
Heidi Sztanko
Vice President Finance & IT
- Total calculated
- $182,518
- From this org
- $134,382
- From related orgs
- $0
- Other
- $48,136
- Hours/week
- 50
Schedule J breakdown matched by us · ignoring case and punctuation
- Base
- $128,282
- Bonus
- $6,100
- Other
- not reported
- Deferred
- $3,848
- Nontaxable benefits
- $44,288
- Filer's total
- $182,518
-
Lisa Arconti
Vice President Member Care
- Total calculated
- $101,553
- From this org
- $78,981
- From related orgs
- $0
- Other
- $22,572
- Hours/week
- 50
-
Andrew Bard
Treasurer
- Total calculated
- $0
- Hours/week
- 4
-
Maciej Milewski
Chairperson
- Total calculated
- $0
- Hours/week
- 4
-
RuthAnne Salvatore
Director
- Total calculated
- $0
- Hours/week
- 4
-
Leo White
Director
- Total calculated
- $0
- Hours/week
- 4
-
Chris DePalma
Secretary
- Total calculated
- $0
- Hours/week
- 3
-
Frederick Karrat
Director
- Total calculated
- $0
- Hours/week
- 3
-
Gina Ramos
Director
- Total calculated
- $0
- Hours/week
- 4
-
Alyssa Angurio
Director
- Total calculated
- $0
- Hours/week
- 4
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
- 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.
Provenance
- Return type
- form_990
- Tax year
- 2025
- Filed
- 25 April 2026
- IRS schema version
- 2025v4.1
- Source object
- 202621189349302307
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