Greensburg Teachers Credit Union

Nonprofit profile at a glance

EIN
251121017
IRS 990 coverage
2014–2025
Forms available
Form 990 2025
Location
Greensburg, PA, USA
Phone
8663835605
Rating
77
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Credit Unions

Reported finances

Revenue
$118,985
Expenses
$119,557
Assets
$5,012,203
Liabilities
$4,309,688

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

Leadership & pay

5 people listed

Executive titles in this filing

  • WILLIAM HURRIANKO (PRESIDENT/CHAIRPERSON)

Highest reported compensation

  • DARRYL J AUDIA JR (TREASURER): $58,500 total reported compensation
  • MAXINE FORBES (ASST. TREASURER): $9,000 total reported compensation

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

Overview

Mission

To provide forms of investment and loans to mutual members while maintaining long-term financial stability.

What it reported doing in 2025

For the year ended december 31, 2025, the credit union made 12 new loans to our members, who are comprised of the greensburg-salem school district employees and their families. We also provided payment of dividends to our members who maintained the minumum balance in their shares accounts during the year. The number of members is 633, decreasing slightly from 2024. We have a potential maximum of 1100 members at this time, meaning that we have an enrollment percentage of 58%. This comprises the total extent of our programs. We provide funding for signature loans, share loans, new and used vehicle loans, and co-signed loans. Additionally, we offer savings vehicles in the form of regular share accounts and christmas share accounts.

Operating model

Revenue model
Mixed. Its operating money came from several sources; no one source provided a clear majority.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filing-based governance responses are negative or unanswered and revenue has declined or grown slowly.

Rating breakdown

  • Financial Efficiency: 78
  • Transparency & Controls: 90
  • Accountability: 74
  • Sustainability: 46
  • Growth: 40

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 86.8%; rating input score 87
  • Program expense ratio: 90.1%; rating input score 90
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 64th 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: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 3 of 8 controls in place; rating input score 38
    • Conflict-of-interest policy: Fail
    • Whistleblower policy: Fail
    • Document-retention policy: Pass
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: -0.5%; rating input score 34; 34th percentile among comparable filings
  • Total-asset coverage ratio: 41.92; rating input score 98; 98th percentile among comparable filings
  • Liabilities to assets ratio: 0.86; rating input score 5; 5th percentile among comparable filings
  • Officer compensation ratio: 56.5%; rating input score 2; 2nd percentile among comparable filings

Growth

  • Program expense growth: 0.4% per year; rating input score 100; 30th percentile among comparable filings
  • Revenue growth: -2.7% per year; rating input score 0; 12th percentile among comparable filings
  • Asset growth: -2.1% per year; rating input score 0; 16th percentile among comparable filings

Details

  • Where the money goes: 86.8% of revenue deployed · 90.1% of spending went to programs
  • Governance: 5 of 5 board members independent · 3 of 8 filing controls reported
  • Programs: 1 filed program accomplishment · $108K in reported program spending
  • Leadership: top reported pay $58K · 5 people listed
  • Consistency: 21 of 21 current checks pass
  • Schedules: 3 filed schedules
  • Filing history: 12 filing years from 2014 to 2025
  • Contacts: How to reach this organization
  • Money network: 5 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.

  • Moderate — Accountability: Governance controls: 4 of 7 not reported.
  • High — Growth: Revenue growth scored 0/100.
  • Moderate — Sustainability: Operating margin scored 34/100.
  • High — Growth: Asset growth scored 0/100.
  • High — Sustainability: Officer compensation ratio scored 2/100.
  • High — Sustainability: Liabilities to assets ratio scored 5/100.