WHITE ROSE CREDIT UNION

EIN: 231402813

YORK, PA

Total Revenue
$7,234,993
Total Expenses
$6,647,485
Total Assets
$115,184,369
Net Assets
$9,995,468
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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year
1950
Legal Domicile
PA
Principal Officer
BRYAN C SMITH
Phone
7177559773
Tax Period
2025-01-01 to 2025-12-31

WHITE ROSE CREDIT UNION, founded in 1950, is a community nonprofit that reported $7.2M in total revenue in fiscal year 2025. Expenses of $6.6M left a modest 8% surplus.

Mission

WHITE ROSE CREDIT UNION IS COMMITTED TO IMPROVING THE LIVES OF OUR MEMBERS AND COMMUNITY, AND INSPIRING OTHERS TO DO THE SAME. IT'S OUR COMMUNITY. WE CARE.

Program Service Accomplishments

Program 1

PROVIDE LOANS TO MORE THAN 10,932 MEMBERS.

Program 2

PROVIDE AN INSURED FINANCIAL DEPOSITORY INSTITUTION FOR MORE THAN 10,932 MEMBERS.

Program 3

PROVIDE FINANCIAL SERVICES TO MORE THAN 10,932 MEMBERS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $5,661,381
Investment Income $1,559,717
Other Revenue $13,895
TOTAL REVENUE $7,234,993

Expense Breakdown

Grants Paid $2,500
Salaries & Benefits $2,599,135
Fundraising Expenses $0
Other Expenses $4,045,850
TOTAL EXPENSES $6,647,485

Year-over-Year Comparison

2025 2024 Change
Revenue $7,234,993 $6,705,909 +0.1%
Expenses $6,647,485 $6,728,351 0.0%
Net Income $587,508 $-22,442 -27.2%
Key Indicators
✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required
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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

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Governance

Voting Members
9
Independent Members
8
Employees
55
Volunteers
13

Governance Policies

✓ Conflict of Interest Policy
✓ Whistleblower Policy
✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School
✗ Operated a Hospital
✗ Provided First Class Travel
✗ Reported Conflict of Interest
✗ Reported Asset Diversion
✗ Excess Benefit Transaction
✗ Made Political Expenditures
✗ Engaged in Lobbying
✗ Operated Donor Advised Fund
✗ Maintained Art Collections
✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
1
$192,873
Total Directors
9
$192,873
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
JAMES R SANFORD CHAIRPERSON 2.00
Director
$0 $0 $0
JOHN A BROWNLEE JR VICE CHAIRPERSON 2.00
Director
$0 $0 $0
CHRISTOPHER M DEROUAUX SECRETARY 2.00
Director
$0 $0 $0
GEORGE WATSON IV DIRECTOR 2.00
Director
$0 $0 $0
KEITH A COSGROVE DIRECTOR 2.00
Director
$0 $0 $0
BRYAN C SMITH TREASURER & CEO 50.00
Officer Director
$162,976 $29,897 $192,873
KURT BLAKE DIRECTOR (START 4/1/25) 2.00
Director
$0 $0 $0
BRENDAN SALYARDS DIRECTOR (START 6/20/25) 2.00
Director
$0 $0 $0
MICHAEL DAVIS DIRECTOR (START 5/13/25) 2.00
Director
$0 $0 $0
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2025 $7,234,993 $6,647,485 $115,184,369 $587,508
2024 $6,705,909 $6,728,351 $114,202,315 $-22,442
2023 $6,735,893 $5,927,494 $111,353,983 $808,399
2022 $4,844,136 $4,491,547 $111,239,873 $352,589
2021 $4,605,733 $4,136,724 $105,277,487 $469,009
2020 $4,589,239 $4,392,971 $95,917,868 $196,268
2019 $4,861,551 $4,362,099 $82,814,237 $499,452
2018 $4,402,038 $4,046,474 $80,875,946 $355,564
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