Community of Healthcare Employees Credit Union
Nonprofit profile at a glance
- EIN
- 251261598
- IRS 990 coverage
- 2010–2012
- Forms available
- Form 990 2012
- Location
- Chambersburg, PA, USA
- Phone
- 7177091920
- Rating confidence
- Limited
- Sector
- Credit Unions
Reported finances
- Revenue
- $501,888
- Expenses
- $462,224
- Assets
- $7,711,183
- Liabilities
- $7,158,152
Source: IRS Form 990. Selected filing: tax year 2012. Amounts in USD.
Leadership & pay
7 people listed
Source: IRS Form 990. Selected filing: tax year 2012. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
The community of healthcare employees credit union, a member owned financial organization in chambersburg, Pennsylvania, is devoted to providing superior financial services to its members. Our motto is "community of healthcare employees credit union is your prescription to financial health."
What it reported doing in 2012
The credit union provides financial services to 1,735 members.
Operating model
- Revenue model
- Earned-program. 92% 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: 90
- Accountability: 76
- Sustainability: 62
- Growth: 20
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; 60th percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 85.7%; rating input score 86; 19th percentile among comparable filings
- Governance controls: 5 of 8 controls in place; rating input score 62
- Conflict-of-interest policy: Pass
- Whistleblower policy: Fail
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: NotApplicable
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 7.9%; rating input score 66; 66th percentile among comparable filings
- Total-asset coverage ratio: 16.68; rating input score 95; 95th percentile among comparable filings
- Liabilities to assets ratio: 0.93; rating input score 10; 10th percentile among comparable filings
- Officer compensation ratio: 18.8%; rating input score 13; 13th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: -1.1% per year; rating input score 0; 33rd percentile among comparable filings
- Asset growth: 4.2% per year; rating input score 100; 55th percentile among comparable filings
Details
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 6 of 7 board members independent · 5 of 8 filing controls reported
- Programs: 1 filed program accomplishment · $462K in reported program spending
- Leadership: top reported pay $87K · 7 people listed
- Consistency: 28 of 28 current checks pass
- Schedules: 2 filed schedules
- Filing history: 3 filing years from 2010 to 2012
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Growth: Revenue growth scored 0/100.
- Review — Accountability: Governance controls: 2 of 7 not reported.
- High — Sustainability: Liabilities to assets ratio scored 10/100.
- High — Sustainability: Officer compensation ratio scored 13/100.