{"success":true,"data":{"_id":231524374,"filings":[{"Organization":{"value":null,"Person":["GEORGE ZWEIBEL","ROBERT CONNELLY","MARY ELLEN SETLOCK","RICHARD KETZ","LINDA BOLLINGER","ROBERT STABLUM","JOHN H MURGA"],"Title":["CHAIRPERSON","VICE CHAIRPE","DIRECTOR","DIRECTOR","DIRECTOR","SECRETARY","TREASURER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The mission of hidden river credit union is to provide service excellence and to meet the financial needs of members by furnishing the widest array possible of high quality, low cost, financial products, services and information. conservative financial management practices and financial strength will be the core from which the credit union grows and executes its mission. the foundation of the mission is firmly established in the credit union philosophy of \"people helping people- and it is the objective of every member of the board of directors, all committees, management and staff.","year":2016,"name":"HIDDEN RIVER CREDIT UNION","phone":5706244334,"website":"WWW.HDRIVER.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN H MURGA","year_formation":1953,"state_legal_domicile":"PA","total_volunteers":7,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"60 WESTWOOD ROAD, POTTSVILLE, PA, 17901, USA","city":"POTTSVILLE","state":"PA","country":"USA","zip_code":17901},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":40,"Total Gross UBI":8842,"Net unrelated business taxable income":null,"Number of employees":40,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3585479,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2586775,"Total revenue":{"value":2586775,"INTEREST ON LOANS":2029992,"FEES & CHARGES":547941,"NON-MEMBER ATM FEES":8842},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":917993,"Investment income total":917993,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":80711,"Other total":66276,"Royalties revenue":14435,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3451429,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1442683,"Current officers":174891,"Disqualified persons":0,"Other salaries and wages":966037,"Pension plan contributions":29074,"Other employee benefits":176654,"Payroll taxes":96027},"Other expenses":{"value":2008746,"Management services":0,"Legal":1831,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":351530,"Advertising":107722,"Office expenses":432366,"Information technology":0,"Royalties":0,"Occupancy":124696,"Travel":0,"Conferences and meetings":21476,"Interest":412493,"Payments to affiliates":0,"Depreciation and depletion":232653,"Insurance":51047,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":272932,"LOAN SERVICING":146906,"PROVISION FOR LOAN LOSSES":83857,"MISC.":42169},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":135249156,"Non-interest bearing cash":1124990,"Savings and temp cash investments":5091421,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":49611153,"Inventories for sale or use":0,"Prepaid expenses deferred charges":211201,"Land, building, equipment":4119643,"Investments publicly traded":21485000,"Investments other":52303154,"Investments program related":0,"Intangible assets":0,"Other assets":1302594},"Liabilities":{"value":122601206,"Sum of Total Liabilities":0,"Accounts payable, accrued":224421,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":122376785},"Fund balance":{"value":12647950,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.037386915388432064,"percentile":0.4958700171745492},"Liabilities to Assets Ratio":{"score":0.906484074473633,"percentile":0.06358534363103929},"Operating Reserve Ratio":{"score":39.186422783142866,"percentile":0.9756900356266719},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06448239332908659,"percentile":0.6624433661986461},"Asset Growth":{"score":0.06915226252241057,"percentile":0.5949640955392566},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5855373839835161,"percentile":0.5628582850553647}},"source_xml":"201733199349302193_public.xml"},{"Organization":{"value":null,"Person":["JOHN MURGA","LINDA BOLLINGER","ROBERT CONNELLY","CHARLES LANTZ","MARY ELLEN SETLOCK","ROBERT STABLUM","GERARD WEISS","GEORGE ZWIEBEL"],"Title":["CEO","SECRETARY","DIRECTOR","DIRECTOR","VICE PRESIDE","TREASURER","DIRECTOR","PRESIDENT"],"Hours":[40.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0],"Total Compensation":[250316,0,0,0,0,0,0,0],"Direct compensation":[231885,0,0,0,0,0,0,0],"Other compensation":[18431,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The mission of hidden river credit union is to provide service excellence and to meet the financial needs of members by furnishing the widest array possible of high quality, low cost, financial products, services and information. conservative financial management practices and financial strength will be the core from which the credit union grows and executes its mission. the foundation of the mission is firmly established in the credit union philosophy of \"people helping people- and it is the objective of every member of the board of directors, all committees, management and staff.","year":2024,"name":"HIDDEN RIVER CREDIT UNION","phone":5706244334,"website":"WWW.HDRIVER.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN MURGA","year_formation":1953,"state_legal_domicile":"PA","total_volunteers":7,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"60 WESTWOOD ROAD, POTTSVILLE, PA, 17901, USA","city":"POTTSVILLE","state":"PA","country":"USA","zip_code":17901},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":35,"Total Gross UBI":24500,"Net unrelated business taxable income":null,"Number of employees":35,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":10189721,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":6637525,"Total revenue":{"value":6637525,"INTEREST ON LOANS":4946870,"OTHER OPERATING INCOME":1168922,"FEES AND CHARGES":497233,"NON-MEMBER ATM FEES":24500},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3552196,"Investment income total":3552196,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":8005696,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2547073,"Current officers":231885,"Disqualified persons":0,"Other salaries and wages":1783238,"Pension plan contributions":70099,"Other employee benefits":299646,"Payroll taxes":162205},"Other expenses":{"value":5458623,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":101243,"Advertising":129440,"Office expenses":641186,"Information technology":227198,"Royalties":0,"Occupancy":185250,"Travel":0,"Conferences and meetings":17062,"Interest":2675015,"Payments to affiliates":0,"Depreciation and depletion":265741,"Insurance":76188,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1074062,"DEBIT CARD FEES/FRAUD":491492,"PROVISION FOR LOAN LOSS":427461,"LOAN SERVICING":129664,"MEMBERSHIP DUES":25445},"All other expenses":66238},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":227648933,"Non-interest bearing cash":2480876,"Savings and temp cash investments":5949841,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":410427,"Receivables from disqual persons":0,"Other net note and loans":98666596,"Inventories for sale or use":0,"Prepaid expenses deferred charges":231086,"Land, building, equipment":3882050,"Investments publicly traded":43429000,"Investments other":70152932,"Investments program related":0,"Intangible assets":0,"Other assets":2446125},"Liabilities":{"value":207557030,"Sum of Total Liabilities":0,"Accounts payable, accrued":536673,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":207020357},"Fund balance":{"value":20091903,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.21433609418746596,"percentile":0.7702335938421894},"Liabilities to Assets Ratio":{"score":0.9117417211878608,"percentile":0.06271170192369144},"Operating Reserve Ratio":{"score":28.435870285356827,"percentile":0.9649098804246099},"Officer Compensation Ratio":{"score":0.03126723772673856,"percentile":0.8531594146556831},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10728319096282485,"percentile":0.7797259740117939},"Asset Growth":{"score":0.07428810781277152,"percentile":0.6113652274136088},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6657319007423327,"percentile":0.7791123199962883}},"source_xml":"202512029349300426_public.xml"},{"Organization":{"value":null,"Person":["JOHN MURGA","LINDA BOLLINGER","ROBERT CONNELLY","RICHARD KETZ","CHARLES LANTZ","MARY ELLEN SETLOCK","ROBERT STABLUM","GEORGE ZWIEBEL"],"Title":["CEO","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT","DIRECTOR","TREASURER","VICE PRESIDE"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[189043,0,0,0,0,0,0,0],"Direct compensation":[153038,0,0,0,0,0,0,0],"Other compensation":[36005,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The mission of hidden river credit union is to provide service excellence and to meet the financial needs of members by furnishing the widest array possible of high quality, low cost, financial products, services and information. conservative financial management practices and financial strength will be the core from which the credit union grows and executes its mission. the foundation of the mission is firmly established in the credit union philosophy of \"people helping people- and it is the objective of every member of the board of directors, all committees, management and staff.","year":2019,"name":"HIDDEN RIVER CREDIT UNION","phone":5706244334,"website":"WWW.HDRIVER.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN MURGA","year_formation":1953,"state_legal_domicile":"PA","total_volunteers":7,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"60 WESTWOOD ROAD, POTTSVILLE, PA, 17901, USA","city":"POTTSVILLE","state":"PA","country":"USA","zip_code":17901},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":42,"Total Gross UBI":12100,"Net unrelated business taxable income":null,"Number of employees":42,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":5690641,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3875467,"Total revenue":{"value":3875467,"INTEREST ON LOANS":2947084,"OTHER OPERATING INCOME":499270,"FEES AND CHARGES":417013,"NON-MEMBER ATM FEES":12100},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1815174,"Investment income total":1815174,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":5087632,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1826936,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":1377088,"Pension plan contributions":43336,"Other employee benefits":284286,"Payroll taxes":122226},"Other expenses":{"value":3260696,"Management services":0,"Legal":2962,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":54841,"Advertising":134074,"Office expenses":559429,"Information technology":120203,"Royalties":0,"Occupancy":205681,"Travel":0,"Conferences and meetings":26148,"Interest":1165765,"Payments to affiliates":0,"Depreciation and depletion":293140,"Insurance":64613,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":577225,"DEBIT CARD FEES/FRAUD":253694,"LOAN SERVICING":134977,"PROVISION FOR LOAN LOSS":122276,"LOSS ON OREO":66278},"All other expenses":56615},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":162788944,"Non-interest bearing cash":1501495,"Savings and temp cash investments":7764298,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":234091,"Receivables from disqual persons":0,"Other net note and loans":71993209,"Inventories for sale or use":0,"Prepaid expenses deferred charges":203251,"Land, building, equipment":4455505,"Investments publicly traded":22666695,"Investments other":52041657,"Investments program related":0,"Intangible assets":0,"Other assets":1928743},"Liabilities":{"value":148609668,"Sum of Total Liabilities":0,"Accounts payable, accrued":435715,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":148173953},"Fund balance":{"value":14179276,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.10596503979077225,"percentile":0.633351397146624},"Liabilities to Assets Ratio":{"score":0.9128977948281304,"percentile":0.06251812832147721},"Operating Reserve Ratio":{"score":31.996996638121626,"percentile":0.9695672760863973},"Officer Compensation Ratio":{"score":0.037157365155341425,"percentile":0.8220783210348773},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.12839864825968123,"percentile":0.8179756098448675},"Asset Growth":{"score":0.07255335229569752,"percentile":0.6059057532086641},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6418866558348355,"percentile":0.7212223543676555}},"source_xml":"202023029349301317_public.xml"},{"Organization":{"value":null,"Person":["GEORGE ZWEIBEL","ROBERT CONNELLY","MARY ELLEN SETLOCK","RICHARD KETZ","LINDA BOLLINGER","ROBERT STABLUM","JOHN H MURGA"],"Title":["CHAIRPERSON","VICE CHAIRPE","DIRECTOR","DIRECTOR","DIRECTOR","SECRETARY","TREASURER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The mission of hidden river credit union is to provide service excellence and to meet the financial needs of members by furnishing the widest array possible of high quality, low cost, financial products, services and information. conservative financial management practices and financial strength will be the core from which the credit union grows and executes its mission. the foundation of the mission is firmly established in the credit union philosophy of \"people helping people\" and it is the objective of every member of the board of directors, all committees, management and staff.","year":2014,"name":"HIDDEN RIVER CREDIT UNION","phone":5706244334,"website":"WWW.HDRIVER.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN MURGA","year_formation":1953,"state_legal_domicile":"PA","total_volunteers":7,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"60 WESTWOOD ROAD, POTTSVILLE, PA, 17901, USA","city":"POTTSVILLE","state":"PA","country":"USA","zip_code":17901},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":31,"Total Gross UBI":7863,"Net unrelated business taxable income":null,"Number of employees":31,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":2760325,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2105841,"Total revenue":{"value":2105841,"INTEREST ON LOANS":1745175,"FEES & CHARGES":352803,"NON-MEMBER ATM FEES":7863},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":583734,"Investment income total":692427,"Net investment gain":-108693,"Income from invest bond proceeds":0},"Other revenues":{"value":70750,"Other total":59654,"Royalties revenue":11096,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2917095,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1202938,"Current officers":206256,"Disqualified persons":0,"Other salaries and wages":758280,"Pension plan contributions":26246,"Other employee benefits":131294,"Payroll taxes":80862},"Other expenses":{"value":1714157,"Management services":0,"Legal":1699,"Accounting":20076,"Lobbying services":0,"Investment management fees":40003,"Other services":266688,"Advertising":73266,"Office expenses":407503,"Information technology":0,"Royalties":0,"Occupancy":107114,"Travel":0,"Conferences and meetings":10567,"Interest":342513,"Payments to affiliates":0,"Depreciation and depletion":317104,"Insurance":64056,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":63568,"LOAN SERVICING":30418,"MISC.":29399,"OTHER EXPENSES":3751},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":110970342,"Non-interest bearing cash":2889942,"Savings and temp cash investments":3370276,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":38141947,"Inventories for sale or use":0,"Prepaid expenses deferred charges":174034,"Land, building, equipment":4514714,"Investments publicly traded":19449000,"Investments other":41425035,"Investments program related":0,"Intangible assets":0,"Other assets":1005394},"Liabilities":{"value":99131089,"Sum of Total Liabilities":0,"Accounts payable, accrued":457454,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":98673635},"Fund balance":{"value":11839253,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.05679403693405668,"percentile":0.2751918354553049},"Liabilities to Assets Ratio":{"score":0.8933115570644993,"percentile":0.06576606804286232},"Operating Reserve Ratio":{"score":38.041387750484645,"percentile":0.9749039005436053},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.521576396973119,"percentile":0.3776718703347324}},"source_xml":"201523179349303002_public.xml"},{"Organization":{"value":null,"Person":["CHARLES LANTZ","GEORGE ZWIEBEL","ROBERT CONNELLY","MARY ELLEN SETLOCK","RICHARD KETZ","LINDA BOLLINGER","ROBERT STABLUM","JOHN MURGA"],"Title":["PRESIDENT","VICE PRESIDE","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","TREASURER","CEO"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,173086],"Direct compensation":[0,0,0,0,0,0,0,132288],"Other compensation":[0,0,0,0,0,0,0,40798]},"Basic":{"value":null,"mission":"The mission of hidden river credit union is to provide service excellence and to meet the financial needs of members by furnishing the widest array possible of high quality, low cost, financial products, services and information. conservative financial management practices and financial strength will be the core from which the credit union grows and executes its mission. the foundation of the mission is firmly established in the credit union philosophy of \"people helping people- and it is the objective of every member of the board of directors, all committees, management and staff.","year":2017,"name":"HIDDEN RIVER CREDIT UNION","phone":5706244334,"website":"WWW.HDRIVER.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN MURGA","year_formation":1953,"state_legal_domicile":"PA","total_volunteers":7,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"60 WESTWOOD ROAD, POTTSVILLE, PA, 17901, USA","city":"POTTSVILLE","state":"PA","country":"USA","zip_code":17901},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":40,"Total Gross UBI":8383,"Net unrelated business taxable income":-1982,"Number of employees":40,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":4379679,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3217397,"Total revenue":{"value":3217397,"INTEREST ON LOANS":2183443,"FEES AND CHARGES":698367,"OTHER OPERATING INCOME":327204,"NON-MEMBER ATM FEES":8383},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1162282,"Investment income total":1162282,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":4118202,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1551132,"Current officers":173086,"Disqualified persons":0,"Other salaries and wages":1047284,"Pension plan contributions":26606,"Other employee benefits":204297,"Payroll taxes":99859},"Other expenses":{"value":2567070,"Management services":0,"Legal":1881,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":78083,"Advertising":115718,"Office expenses":454065,"Information technology":74303,"Royalties":0,"Occupancy":143043,"Travel":0,"Conferences and meetings":19260,"Interest":578852,"Payments to affiliates":0,"Depreciation and depletion":255192,"Insurance":58636,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":762238,"DEBIT CARD FEES/FRAUD":298100,"PROVISION FOR LOAN LOSS":242601,"LOAN SERVICING":177054,"MISC":44483},"All other expenses":25799},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":141989784,"Non-interest bearing cash":990082,"Savings and temp cash investments":5320422,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":326108,"Receivables from disqual persons":0,"Other net note and loans":52302758,"Inventories for sale or use":0,"Prepaid expenses deferred charges":173218,"Land, building, equipment":4141884,"Investments publicly traded":23304000,"Investments other":54030716,"Investments program related":0,"Intangible assets":0,"Other assets":1400596},"Liabilities":{"value":129079350,"Sum of Total Liabilities":0,"Accounts payable, accrued":151864,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":128927486},"Fund balance":{"value":12910434,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.05970232064952705,"percentile":0.5460883012726123},"Liabilities to Assets Ratio":{"score":0.9090749092202295,"percentile":0.06315251715328407},"Operating Reserve Ratio":{"score":34.47858652878125,"percentile":0.9720507758385323},"Officer Compensation Ratio":{"score":0.042029507051863896,"percentile":0.7968911092150754},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.1089660733320109,"percentile":0.7832090420345081},"Asset Growth":{"score":0.07342916760407407,"percentile":0.6086580593900405},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6208408550115172,"percentile":0.6650584565222304}},"source_xml":"201812959349301016_public.xml"},{"Organization":{"value":null,"Person":["JOHN MURGA","LINDA BOLLINGER","ROBERT CONNELLY","CHARLES LANTZ","MARY ELLEN SETLOCK","ROBERT STABLUM","GERARD WEISS","GEORGE ZWIEBEL"],"Title":["CEO","SECRETARY","DIRECTOR","DIRECTOR","VICE PRESIDE","TREASURER","DIRECTOR","PRESIDENT"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[224913,0,0,0,0,0,0,0],"Direct compensation":[183462,0,0,0,0,0,0,0],"Other compensation":[41451,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The mission of hidden river credit union is to provide service excellence and to meet the financial needs of members by furnishing the widest array possible of high quality, low cost, financial products, services and information. conservative financial management practices and financial strength will be the core from which the credit union grows and executes its mission. the foundation of the mission is firmly established in the credit union philosophy of \"people helping people- and it is the objective of every member of the board of directors, all committees, management and staff.","year":2022,"name":"HIDDEN RIVER CREDIT UNION","phone":5706244334,"website":"WWW.HDRIVER.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN MURGA","year_formation":1953,"state_legal_domicile":"PA","total_volunteers":7,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"60 WESTWOOD ROAD, POTTSVILLE, PA, 17901, USA","city":"POTTSVILLE","state":"PA","country":"USA","zip_code":17901},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":42,"Total Gross UBI":20400,"Net unrelated business taxable income":null,"Number of employees":42,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":5991116,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":4648872,"Total revenue":{"value":4648872,"INTEREST ON LOANS":3298773,"OTHER OPERATING INCOME":844533,"FEES AND CHARGES":485166,"NON-MEMBER ATM FEES":20400},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1342244,"Investment income total":1342244,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":4886644,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1965082,"Current officers":183462,"Disqualified persons":0,"Other salaries and wages":1368606,"Pension plan contributions":54386,"Other employee benefits":236515,"Payroll taxes":122113},"Other expenses":{"value":2921562,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":81772,"Advertising":125961,"Office expenses":620917,"Information technology":144791,"Royalties":0,"Occupancy":220557,"Travel":0,"Conferences and meetings":15980,"Interest":467137,"Payments to affiliates":0,"Depreciation and depletion":246706,"Insurance":69299,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":884520,"DEBIT CARD FEES/FRAUD":401199,"PROVISION FOR LOAN LOSS":342100,"LOAN SERVICING":118468,"MEMBERSHIP DUES":22753},"All other expenses":43922},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":214507102,"Non-interest bearing cash":2047673,"Savings and temp cash investments":4434018,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":480068,"Receivables from disqual persons":0,"Other net note and loans":82416107,"Inventories for sale or use":0,"Prepaid expenses deferred charges":206127,"Land, building, equipment":4252371,"Investments publicly traded":23251000,"Investments other":94993421,"Investments program related":0,"Intangible assets":0,"Other assets":2426317},"Liabilities":{"value":197746957,"Sum of Total Liabilities":0,"Accounts payable, accrued":643546,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":786080,"Other liabilities":196317331},"Fund balance":{"value":16760145,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.18435162998012392,"percentile":0.739966890028877},"Liabilities to Assets Ratio":{"score":0.9218667128326595,"percentile":0.06111272251746464},"Operating Reserve Ratio":{"score":43.89660920664571,"percentile":0.9783814873069497},"Officer Compensation Ratio":{"score":0.04602606615092075,"percentile":0.7765545796995136},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.09178717704648344,"percentile":0.7444224297150133},"Asset Growth":{"score":0.08538066251242094,"percentile":0.6442479548349275},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6545359468439874,"percentile":0.7526749450992054}},"source_xml":"202343039349301059_public.xml"},{"Organization":{"value":null,"Person":["GEORGE ZWEIBEL","ROBERT CONNELLY","MARY ELLEN SETLOCK","RICHARD KETZ","LINDA BOLLINGER","ROBERT STABLUM","JOHN H MURGA"],"Title":["CHAIRPERSON","VICE CHAIRPE","DIRECTOR","DIRECTOR","DIRECTOR","SECRETARY","TREASURER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The mission of hidden river credit union is to provide service excellence and to meet the financial needs of members by furnishing the widest array possible of high quality, low cost, financial products, services and information. conservative financial management practices and financial strength will be the core from which the credit union grows and executes its mission. the foundation of the mission is firmly established in the credit union philosophy of \"people helping people- and it is the objective of every member of the board of directors, all committees, management and staff.","year":2015,"name":"HIDDEN RIVER CREDIT UNION","phone":5706244334,"website":"WWW.HDRIVER.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN H MURGA","year_formation":1953,"state_legal_domicile":"PA","total_volunteers":7,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"60 WESTWOOD ROAD, POTTSVILLE, PA, 17901, USA","city":"POTTSVILLE","state":"PA","country":"USA","zip_code":17901},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":32,"Total Gross UBI":9200,"Net unrelated business taxable income":null,"Number of employees":32,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":2919840,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2147241,"Total revenue":{"value":2147241,"INTEREST ON LOANS":1759374,"FEES & CHARGES":378667,"NON-MEMBER ATM FEES":9200},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":747899,"Investment income total":747899,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":24700,"Other total":13749,"Royalties revenue":10951,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3047291,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1202117,"Current officers":493992,"Disqualified persons":0,"Other salaries and wages":459437,"Pension plan contributions":32266,"Other employee benefits":131258,"Payroll taxes":85164},"Other expenses":{"value":1845174,"Management services":0,"Legal":1490,"Accounting":24736,"Lobbying services":0,"Investment management fees":0,"Other services":282548,"Advertising":108308,"Office expenses":398936,"Information technology":0,"Royalties":0,"Occupancy":105432,"Travel":0,"Conferences and meetings":9544,"Interest":338629,"Payments to affiliates":0,"Depreciation and depletion":335421,"Insurance":51738,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":188392,"LOAN SERVICING":126754,"MISC.":61638},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":114073433,"Non-interest bearing cash":750260,"Savings and temp cash investments":4394531,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":41535373,"Inventories for sale or use":0,"Prepaid expenses deferred charges":149860,"Land, building, equipment":4278247,"Investments publicly traded":20394000,"Investments other":41403758,"Investments program related":0,"Intangible assets":0,"Other assets":1167404},"Liabilities":{"value":102360617,"Sum of Total Liabilities":0,"Accounts payable, accrued":140719,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":102219898},"Fund balance":{"value":11712816,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.04364999452024768,"percentile":0.29526692086439726},"Liabilities to Assets Ratio":{"score":0.897322139853545,"percentile":0.06510812263512461},"Operating Reserve Ratio":{"score":37.43437466261017,"percentile":0.9744623310946335},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.010522459922685768,"percentile":0.32818670207687833},"Asset Growth":{"score":0.021749730550434585,"percentile":0.4112374948378489},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4975339521332064,"percentile":0.3155944254670092}},"source_xml":"201613209349311721_public.xml"},{"Organization":{"value":null,"Person":["JOHN MURGA","LINDA BOLLINGER","ROBERT CONNELLY","CHARLES LANTZ","MARY ELLEN SETLOCK","ROBERT STABLUM","GERARD WEISS","GEORGE ZWIEBEL"],"Title":["CEO","SECRETARY","DIRECTOR","DIRECTOR","VICE PRESIDE","TREASURER","DIRECTOR","PRESIDENT"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[244134,0,0,0,0,0,0,0],"Direct compensation":[210462,0,0,0,0,0,0,0],"Other compensation":[33672,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The mission of hidden river credit union is to provide service excellence and to meet the financial needs of members by furnishing the widest array possible of high quality, low cost, financial products, services and information. conservative financial management practices and financial strength will be the core from which the credit union grows and executes its mission. the foundation of the mission is firmly established in the credit union philosophy of \"people helping people- and it is the objective of every member of the board of directors, all committees, management and staff.","year":2023,"name":"HIDDEN RIVER CREDIT UNION","phone":5706244334,"website":"WWW.HDRIVER.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN MURGA","year_formation":1953,"state_legal_domicile":"PA","total_volunteers":7,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"60 WESTWOOD ROAD, POTTSVILLE, PA, 17901, USA","city":"POTTSVILLE","state":"PA","country":"USA","zip_code":17901},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":47,"Total Gross UBI":22500,"Net unrelated business taxable income":null,"Number of employees":47,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":7684692,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":5491283,"Total revenue":{"value":5491283,"INTEREST ON LOANS":4062346,"OTHER OPERATING INCOME":901420,"FEES AND CHARGES":505017,"NON-MEMBER ATM FEES":22500},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2193409,"Investment income total":2193409,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":6539813,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2328180,"Current officers":210462,"Disqualified persons":0,"Other salaries and wages":1633571,"Pension plan contributions":63021,"Other employee benefits":268768,"Payroll taxes":152358},"Other expenses":{"value":4211633,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":76493,"Advertising":119853,"Office expenses":616782,"Information technology":159653,"Royalties":0,"Occupancy":203276,"Travel":0,"Conferences and meetings":30992,"Interest":1673891,"Payments to affiliates":0,"Depreciation and depletion":259090,"Insurance":80434,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":946648,"DEBIT CARD FEES/FRAUD":427676,"PROVISION FOR LOAN LOSS":380203,"LOAN SERVICING":114547,"MEMBERSHIP DUES":24222},"All other expenses":44521},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":216081122,"Non-interest bearing cash":2396658,"Savings and temp cash investments":8820463,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":418521,"Receivables from disqual persons":0,"Other net note and loans":88620776,"Inventories for sale or use":0,"Prepaid expenses deferred charges":257732,"Land, building, equipment":4122016,"Investments publicly traded":35904000,"Investments other":72971484,"Investments program related":0,"Intangible assets":0,"Other assets":2569472},"Liabilities":{"value":198174670,"Sum of Total Liabilities":0,"Accounts payable, accrued":903153,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":197271517},"Fund balance":{"value":17906452,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.14898176790950113,"percentile":0.697276100596758},"Liabilities to Assets Ratio":{"score":0.9171308819842208,"percentile":0.061836831177599375},"Operating Reserve Ratio":{"score":33.04087165795108,"percentile":0.9706787781318642},"Officer Compensation Ratio":{"score":0.03733042519717307,"percentile":0.8211997087246349},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.09549668140373145,"percentile":0.7534925169051004},"Asset Growth":{"score":0.07907829093618454,"percentile":0.6259835422351575},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6486510647888739,"percentile":0.7383018460785904}},"source_xml":"202422259349301072_public.xml"},{"Organization":{"value":null,"Person":["JOHN MURGA","LINDA BOLLINGER","ROBERT CONNELLY","RICHARD KETZ","CHARLES LANTZ","MARY ELLEN SETLOCK","ROBERT STABLUM","GEORGE ZWIEBEL"],"Title":["CEO","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT","DIRECTOR","TREASURER","VICE PRESIDE"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[216982,0,0,0,0,0,0,0],"Direct compensation":[177844,0,0,0,0,0,0,0],"Other compensation":[39138,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The mission of hidden river credit union is to provide service excellence and to meet the financial needs of members by furnishing the widest array possible of high quality, low cost, financial products, services and information. conservative financial management practices and financial strength will be the core from which the credit union grows and executes its mission. the foundation of the mission is firmly established in the credit union philosophy of \"people helping people- and it is the objective of every member of the board of directors, all committees, management and staff.","year":2020,"name":"HIDDEN RIVER CREDIT UNION","phone":5706244334,"website":"WWW.HDRIVER.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN MURGA","year_formation":1953,"state_legal_domicile":"PA","total_volunteers":7,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"60 WESTWOOD ROAD, POTTSVILLE, PA, 17901, USA","city":"POTTSVILLE","state":"PA","country":"USA","zip_code":17901},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":49,"Total Gross UBI":14000,"Net unrelated business taxable income":null,"Number of employees":49,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":5752604,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":4120526,"Total revenue":{"value":4120526,"INTEREST ON LOANS":3252447,"OTHER OPERATING INCOME":547184,"FEES AND CHARGES":306895,"NON-MEMBER ATM FEES":14000},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1632078,"Investment income total":1632078,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":5079857,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1927829,"Current officers":177844,"Disqualified persons":0,"Other salaries and wages":1313192,"Pension plan contributions":44432,"Other employee benefits":267774,"Payroll taxes":124587},"Other expenses":{"value":3152028,"Management services":0,"Legal":500,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":54346,"Advertising":94601,"Office expenses":572615,"Information technology":126929,"Royalties":0,"Occupancy":200775,"Travel":0,"Conferences and meetings":15930,"Interest":1078683,"Payments to affiliates":0,"Depreciation and depletion":344094,"Insurance":70119,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":552973,"DEBIT CARD FEES/FRAUD":315598,"LOAN SERVICING":107486,"PROVISION FOR LOAN LOSS":98705,"MISC":31184},"All other expenses":40463},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":193074746,"Non-interest bearing cash":2366858,"Savings and temp cash investments":12939780,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":228513,"Receivables from disqual persons":0,"Other net note and loans":74736211,"Inventories for sale or use":0,"Prepaid expenses deferred charges":219868,"Land, building, equipment":4603637,"Investments publicly traded":22136000,"Investments other":73652141,"Investments program related":0,"Intangible assets":0,"Other assets":2191738},"Liabilities":{"value":178221727,"Sum of Total Liabilities":0,"Accounts payable, accrued":438734,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":177782993},"Fund balance":{"value":14853019,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.11694651674267861,"percentile":0.6510472765795358},"Liabilities to Assets Ratio":{"score":0.9230711457209427,"percentile":0.060933692540390307},"Operating Reserve Ratio":{"score":38.00790967147304,"percentile":0.974882680959101},"Officer Compensation Ratio":{"score":0.042714194513743205,"percentile":0.7934054749414787},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.11820351251624243,"percentile":0.8007780839682282},"Asset Growth":{"score":0.08204004818911001,"percentile":0.6346924030798242},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6437251789451786,"percentile":0.7259313936552461}},"source_xml":"202113069349301356_public.xml"},{"Organization":{"value":null,"Person":["GEORGE ZWEIBEL","ROBERT CONNELLY","MARY ELLEN SETLOCK","RICHARD KETZ","LINDA BOLLINGER","ROBERT STABLUM","JOHN H MURGA"],"Title":["CHAIRPERSON","VICE CHAIRPE","DIRECTOR","DIRECTOR","DIRECTOR","SECRETARY","TREASURER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The mission of hidden river credit union is to provide service excellence and to meet the financial needs of members by furnishing the widest array possible of high quality, low cost, financial products, services and information. conservative financial management practices and financial strength will be the core from which the credit union grows and executes its mission. the foundation of the mission is firmly established in the credit union philosophy of \"people helping people\" and it is the objective of every member of the board of directors, all committees, management and staff.","year":2013,"name":"HIDDEN RIVER CREDIT UNION","phone":5706244334,"website":"WWW.HDRIVER.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN MURGA","year_formation":1953,"state_legal_domicile":"PA","total_volunteers":7,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"60 WESTWOOD ROAD, POTTSVILLE, PA, 17901, USA","city":"POTTSVILLE","state":"PA","country":"USA","zip_code":17901},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":33,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":33,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":2980595,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2096591,"Total revenue":{"value":2096591,"INTEREST ON LOANS":1763344,"FEES & CHARGES":333247},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":837023,"Investment income total":731995,"Net investment gain":105028,"Income from invest bond proceeds":0},"Other revenues":{"value":46981,"Other total":46981,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2903432,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1164176,"Current officers":148831,"Disqualified persons":0,"Other salaries and wages":744765,"Pension plan contributions":27395,"Other employee benefits":162319,"Payroll taxes":80866},"Other expenses":{"value":1739256,"Management services":0,"Legal":1224,"Accounting":28696,"Lobbying services":0,"Investment management fees":43926,"Other services":241468,"Advertising":70353,"Office expenses":343754,"Information technology":0,"Royalties":0,"Occupancy":94878,"Travel":0,"Conferences and meetings":8456,"Interest":400381,"Payments to affiliates":0,"Depreciation and depletion":262979,"Insurance":104364,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":138777,"NCUSIF STABILAZATION EXP":77018,"MISC.":34143,"LOAN SERVICING":22616,"PROVISION FOR LOAN LOSSES":5000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":109226573,"Non-interest bearing cash":3541007,"Savings and temp cash investments":3117746,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":37404701,"Inventories for sale or use":0,"Prepaid expenses deferred charges":286456,"Land, building, equipment":4693096,"Investments publicly traded":19945000,"Investments other":39133859,"Investments program related":0,"Intangible assets":0,"Other assets":1104708},"Liabilities":{"value":97231425,"Sum of Total Liabilities":0,"Accounts payable, accrued":383665,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":96847760},"Fund balance":{"value":11995148,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.025888455157443396,"percentile":0.46750133848168995},"Liabilities to Assets Ratio":{"score":0.8901810459621396,"percentile":0.0662601416180377},"Operating Reserve Ratio":{"score":37.619814412736375,"percentile":0.9745993489831474},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5681181736742376,"percentile":0.5111292474996415}},"source_xml":"201401299349301955_public.xml"},{"Organization":{"value":null,"Person":["CHARLES LANTZ","GEORGE ZWIEBEL","ROBERT CONNELLY","MARY ELLEN SETLOCK","RICHARD KETZ","LINDA BOLLINGER","ROBERT STABLUM","JOHN MURGA"],"Title":["PRESIDENT","VICE PRESIDE","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","TREASURER","CEO"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,192567],"Direct compensation":[0,0,0,0,0,0,0,146500],"Other compensation":[0,0,0,0,0,0,0,46067]},"Basic":{"value":null,"mission":"The mission of hidden river credit union is to provide service excellence and to meet the financial needs of members by furnishing the widest array possible of high quality, low cost, financial products, services and information. conservative financial management practices and financial strength will be the core from which the credit union grows and executes its mission. the foundation of the mission is firmly established in the credit union philosophy of \"people helping people- and it is the objective of every member of the board of directors, all committees, management and staff.","year":2018,"name":"HIDDEN RIVER CREDIT UNION","phone":5706244334,"website":"WWW.HDRIVER.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN MURGA","year_formation":1953,"state_legal_domicile":"PA","total_volunteers":7,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"60 WESTWOOD ROAD, POTTSVILLE, PA, 17901, USA","city":"POTTSVILLE","state":"PA","country":"USA","zip_code":17901},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":43,"Total Gross UBI":9605,"Net unrelated business taxable income":null,"Number of employees":43,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":4973298,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3418615,"Total revenue":{"value":3418615,"INTEREST ON LOANS":2473123,"OTHER OPERATING INCOME":538823,"FEES AND CHARGES":397064,"NON-MEMBER ATM FEES":9605},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1554683,"Investment income total":1554683,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":4309832,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1619433,"Current officers":192567,"Disqualified persons":0,"Other salaries and wages":1097628,"Pension plan contributions":30627,"Other employee benefits":66205,"Payroll taxes":232406},"Other expenses":{"value":2690399,"Management services":0,"Legal":6166,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":57780,"Advertising":118901,"Office expenses":494897,"Information technology":103552,"Royalties":0,"Occupancy":186587,"Travel":0,"Conferences and meetings":28892,"Interest":798748,"Payments to affiliates":0,"Depreciation and depletion":240355,"Insurance":62715,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":559445,"PROVISION FOR LOAN LOSS":215147,"DEBIT CARD FEES/FRAUD":197106,"LOAN SERVICING":127499,"MEMBERSHIP DUES":19693},"All other expenses":32361},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":150924654,"Non-interest bearing cash":1293058,"Savings and temp cash investments":7588112,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":257638,"Receivables from disqual persons":0,"Other net note and loans":57996046,"Inventories for sale or use":0,"Prepaid expenses deferred charges":216071,"Land, building, equipment":4324243,"Investments publicly traded":24875000,"Investments other":52674286,"Investments program related":0,"Intangible assets":0,"Other assets":1700200},"Liabilities":{"value":137349629,"Sum of Total Liabilities":0,"Accounts payable, accrued":192718,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":137156911},"Fund balance":{"value":13575025,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.1334056394770633,"percentile":0.6757847823344466},"Liabilities to Assets Ratio":{"score":0.9100542910636721,"percentile":0.06298700660239613},"Operating Reserve Ratio":{"score":35.01868611119877,"percentile":0.9725378158257278},"Officer Compensation Ratio":{"score":0.044680859949993414,"percentile":0.7833197479715972},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.122918874198291,"percentile":0.8090497056008216},"Asset Growth":{"score":0.07256260387511147,"percentile":0.605936312582584},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6467447879038282,"percentile":0.7335720083841578}},"source_xml":"201943169349303129_public.xml"},{"Organization":{"value":null,"Person":["JOHN MURGA","LINDA BOLLINGER","ROBERT CONNELLY","CHARLES LANTZ","MARY ELLEN SETLOCK","ROBERT STABLUM","GERARD WEISS","GEORGE ZWIEBEL"],"Title":["CEO","SECRETARY","DIRECTOR","DIRECTOR","VICE PRESIDE","TREASURER","DIRECTOR","PRESIDENT"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[164077,0,0,0,0,0,0,0],"Direct compensation":[164077,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The mission of hidden river credit union is to provide service excellence and to meet the financial needs of members by furnishing the widest array possible of high quality, low cost, financial products, services and information. conservative financial management practices and financial strength will be the core from which the credit union grows and executes its mission. the foundation of the mission is firmly established in the credit union philosophy of \"people helping people- and it is the objective of every member of the board of directors, all committees, management and staff.","year":2021,"name":"HIDDEN RIVER CREDIT UNION","phone":5706244334,"website":"WWW.HDRIVER.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN MURGA","year_formation":1953,"state_legal_domicile":"PA","total_volunteers":7,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"60 WESTWOOD ROAD, POTTSVILLE, PA, 17901, USA","city":"POTTSVILLE","state":"PA","country":"USA","zip_code":17901},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":49,"Total Gross UBI":17500,"Net unrelated business taxable income":null,"Number of employees":49,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":5518275,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":4162068,"Total revenue":{"value":4162068,"INTEREST ON LOANS":3120557,"OTHER OPERATING INCOME":639239,"FEES AND CHARGES":384772,"NON-MEMBER ATM FEES":17500},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1356207,"Investment income total":1356207,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":4718119,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1863663,"Current officers":164077,"Disqualified persons":0,"Other salaries and wages":1267574,"Pension plan contributions":45331,"Other employee benefits":268201,"Payroll taxes":118480},"Other expenses":{"value":2854456,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":66042,"Advertising":93865,"Office expenses":556548,"Information technology":139929,"Royalties":0,"Occupancy":224417,"Travel":0,"Conferences and meetings":10946,"Interest":698793,"Payments to affiliates":0,"Depreciation and depletion":340182,"Insurance":74081,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":612553,"DEBIT CARD FEES/FRAUD":362301,"LOAN SERVICING":132593,"PROVISION FOR LOAN LOSS":95438,"MEMBERSHIP DUES":22221},"All other expenses":37100},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":218259509,"Non-interest bearing cash":2036755,"Savings and temp cash investments":25365378,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":236684,"Receivables from disqual persons":0,"Other net note and loans":76425643,"Inventories for sale or use":0,"Prepaid expenses deferred charges":237577,"Land, building, equipment":4286466,"Investments publicly traded":24484000,"Investments other":82658952,"Investments program related":0,"Intangible assets":0,"Other assets":2528054},"Liabilities":{"value":202605008,"Sum of Total Liabilities":0,"Accounts payable, accrued":440261,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":202164747},"Fund balance":{"value":15654501,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.14500110994830812,"percentile":0.6919513177854104},"Liabilities to Assets Ratio":{"score":0.9282757435324387,"percentile":0.06023662273262836},"Operating Reserve Ratio":{"score":46.25985673527946,"percentile":0.9794644944817965},"Officer Compensation Ratio":{"score":0.03477593507073476,"percentile":0.8345801097606063},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10136079093511079,"percentile":0.7669729224427335},"Asset Growth":{"score":0.08928366602472104,"percentile":0.6551769962490471},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6521106687501859,"percentile":0.7467793966982129}},"source_xml":"202202769349301325_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["JOHN MURGA","LINDA BOLLINGER","ROBERT CONNELLY","CHARLES LANTZ","MARY ELLEN SETLOCK","ROBERT STABLUM","GERARD WEISS","GEORGE ZWIEBEL"],"Title":["CEO","SECRETARY","DIRECTOR","DIRECTOR","VICE PRESIDE","TREASURER","DIRECTOR","PRESIDENT"],"Hours":[40.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0],"Total Compensation":[250316,0,0,0,0,0,0,0],"Direct compensation":[231885,0,0,0,0,0,0,0],"Other compensation":[18431,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"The mission of hidden river credit union is to provide service excellence and to meet the financial needs of members by furnishing the widest array possible of high quality, low cost, financial products, services and information. conservative financial management practices and financial strength will be the core from which the credit union grows and executes its mission. the foundation of the mission is firmly established in the credit union philosophy of \"people helping people- and it is the objective of every member of the board of directors, all committees, management and staff.","year":2024,"name":"HIDDEN RIVER CREDIT UNION","phone":5706244334,"website":"WWW.HDRIVER.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN MURGA","year_formation":1953,"state_legal_domicile":"PA","total_volunteers":7,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"60 WESTWOOD ROAD, POTTSVILLE, PA, 17901, USA","city":"POTTSVILLE","state":"PA","country":"USA","zip_code":17901},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":35,"Total Gross UBI":24500,"Net unrelated business taxable income":null,"Number of employees":35,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":10189721,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":6637525,"Total revenue":{"value":6637525,"INTEREST ON LOANS":4946870,"OTHER OPERATING INCOME":1168922,"FEES AND CHARGES":497233,"NON-MEMBER ATM FEES":24500},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3552196,"Investment income total":3552196,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":8005696,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2547073,"Current officers":231885,"Disqualified persons":0,"Other salaries and wages":1783238,"Pension plan contributions":70099,"Other employee benefits":299646,"Payroll taxes":162205},"Other expenses":{"value":5458623,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":101243,"Advertising":129440,"Office expenses":641186,"Information technology":227198,"Royalties":0,"Occupancy":185250,"Travel":0,"Conferences and meetings":17062,"Interest":2675015,"Payments to affiliates":0,"Depreciation and depletion":265741,"Insurance":76188,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1074062,"DEBIT CARD FEES/FRAUD":491492,"PROVISION FOR LOAN LOSS":427461,"LOAN SERVICING":129664,"MEMBERSHIP DUES":25445},"All other expenses":66238},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":227648933,"Non-interest bearing cash":2480876,"Savings and temp cash investments":5949841,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":410427,"Receivables from disqual persons":0,"Other net note and loans":98666596,"Inventories for sale or use":0,"Prepaid expenses deferred charges":231086,"Land, building, equipment":3882050,"Investments publicly traded":43429000,"Investments other":70152932,"Investments program related":0,"Intangible assets":0,"Other assets":2446125},"Liabilities":{"value":207557030,"Sum of Total Liabilities":0,"Accounts payable, accrued":536673,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":207020357},"Fund balance":{"value":20091903,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.21433609418746596,"percentile":0.7702335938421894},"Liabilities to Assets Ratio":{"score":0.9117417211878608,"percentile":0.06271170192369144},"Operating Reserve Ratio":{"score":28.435870285356827,"percentile":0.9649098804246099},"Officer Compensation Ratio":{"score":0.03126723772673856,"percentile":0.8531594146556831},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10728319096282485,"percentile":0.7797259740117939},"Asset Growth":{"score":0.07428810781277152,"percentile":0.6113652274136088},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6657319007423327,"percentile":0.7791123199962883}},"source_xml":"202512029349300426_public.xml"},"sector":"Public, Societal Benefit","donation_categories":[],"zakat_policy":null},"error":null}