Hudson River Community Credit Union
Nonprofit profile at a glance
- EIN
- 141407718
- IRS 990 coverage
- 2010–2025
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2025
- Location
- Corinth, NY, US
- Phone
- 518-886-3400
- Rating confidence
- Limited
- Sector
- Credit Unions
Reported finances
- Revenue
- $5,500,879
- Expenses
- $4,648,488
- Assets
- $0
- Liabilities
- $0
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
11 people listed
Executive titles in this filing
- CHARLES PASQUARELL (PRESIDENT & DIRECTOR)
- DINO ROSATI (VICE PRESIDENT & DIRECTOR)
- SUSAN COMMANDA (CEO)
Highest reported compensation
- LORRAINE MAROLA (EVP): $138,526 total reported compensation
- SUSAN COMMANDA (CEO): $98,694 total reported compensation
- ROBERT GERBER (CIO): $72,014 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 create a supportive, inclusive, and purpose-driven workplace where employees feel valued, empowered, and inspired to serve our community while demonstrating kindness and empathy towards one another.
What it reported doing in 2025
The credit union provides low-cost financial products and services including online-banking, access to atm's and an audio-response system. Hrccu offers low interest loans and credit cards. The wide range of loan products and interest rates enable the credit union to accomodate as many member loans as possible. Competitive dividend rates are paid on savings and investment accounts. Hrccu provides a variety of products to members to accomplish its mission.
Operating model
- Revenue model
- Earned-program. 65% 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: 74
- Accountability: 86
- Sustainability: 36
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 81.8%; rating input score 82; 0th 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; 63rd percentile among comparable filings
- Governance controls: 6 of 9 controls in place; rating input score 67
- 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: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 15.5%; rating input score 66; 66th percentile among comparable filings
- Total-asset coverage ratio: 0; rating input score 0; 0th percentile among comparable filings
- Liabilities to assets ratio: Limited
- Officer compensation ratio: 7.9%; rating input score 41; 41st percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 2.6% per year; rating input score 100; 20th percentile among comparable filings
- Asset growth: 2.5% per year; rating input score 100; 20th percentile among comparable filings
Details
- What they do: Mission, programs, and operating context captured from the official website.
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 8 of 8 board members independent · 6 of 9 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $139K · 11 people listed
- Highest-paid contractors: 5 contractors listed · $1.5M reported
- Consistency: 9 of 10 current checks pass · 1 finding to review
- Schedules: 5 filed schedules
- Filing history: 14 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 7 filed money-flow records
- Related organizations: 2 filed related-organization links
- 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.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Transparency & Controls: Schedule D land buildings reconciliation did not reconcile in the filed values.
- Review — Accountability: Governance controls: 2 of 8 not reported.
- High — Sustainability: Total-asset coverage ratio scored 0/100.
- Moderate — Sustainability: Officer compensation ratio scored 41/100.