Armco Credit Union

Nonprofit profile at a glance

EIN
251113410
IRS 990 coverage
2010–2025
Official website data refreshed
Sep 2026
Forms available
Form 990 2025
Location
Butler, PA, US
Phone
(724) 284-2020
Rating confidence
Limited
Sector
Credit Unions

Official website

Reported finances

Revenue
$37,126,237
Expenses
$31,410,447
Assets
$709,994,187
Liabilities
$619,859,719

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

20 people listed

Executive titles in this filing

  • VICTORIA HINTERBERGER (VICE PRESIDENT)
  • JOHN D GIBSON JR (PRESIDENT OF THE BOARD)
  • RANDALL W CYPHER (CEO)
  • DENNIS FEHL (EXECUTIVE VICE PRESIDENT)
  • JAMES A HRABOSKY (EXECUTIVE VICE PRESIDENT OF SPECIAL PROJECTS)

Highest reported compensation

  • RANDALL W CYPHER (CEO): $439,601 total reported compensation
  • DENNIS FEHL (EXECUTIVE VICE PRESIDENT): $281,199 total reported compensation
  • JAMES A HRABOSKY (EXECUTIVE VICE PRESIDENT OF SPECIAL PROJECTS): $237,288 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

The credit union is an association of members dedicated to servicing members' financial needs through the provision of savings accounts, loans, and other financial services.

What it reported doing in 2025

The credit union has achieved steady growth in assets and membership through offering various financial vehicles and opportunities to its members.

Operating model

Revenue model
Earned-program. 78% of the money available for current operations came from fees and other program revenue.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 82
  • Accountability: 94
  • Sustainability: 67
  • Growth: 60

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
  • Pay-setting controls: 4 of 6 controls in place; rating input score 67
    • Compensation committee: Pass
    • Independent consultant: Pass
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 88.9%; rating input score 89; 17th percentile among comparable filings
  • Governance controls: 9 of 9 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 15.4%; rating input score 69; 69th percentile among comparable filings
  • Total-asset coverage ratio: 22.6; rating input score 96; 96th percentile among comparable filings
  • Liabilities to assets ratio: 0.87; rating input score 9; 9th percentile among comparable filings
  • Officer compensation ratio: 6.9%; rating input score 43; 43rd percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: 9.3% per year; rating input score 100; 70th percentile among comparable filings
  • Asset growth: 7% per year; rating input score 100; 50th percentile among comparable filings

Details

  • What they do: 1 programs and campaigns described on the official site · 5 operating locations identified
  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 8 of 9 board members independent · 9 of 9 filing controls reported
  • Programs: 1 filed program accomplishment · $31.4M in reported program spending
  • Leadership: top reported pay $440K · 20 people listed · 4 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $3.1M reported
  • Consistency: 12 of 12 current checks pass
  • Schedules: 3 filed schedules · includes executive pay
  • Filing history: 15 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 11 filed money-flow records
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Sustainability: Liabilities to assets ratio scored 9/100.
  • Moderate — Sustainability: Officer compensation ratio scored 43/100.