PA NJ CREDIT UNION ASSOCIATION

EIN: 842346572 Community Improvement

HARRISBURG, PA

Total Revenue
$6,746,845
Total Expenses
$5,320,930
Total Assets
$25,635,027
Net Assets
$22,552,214
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
2020
Legal Domicile
DE
Principal Officer
PATRICK CONWAY
Phone
7172343156
Tax Period
2023-01-01 to 2023-12-31

PA NJ CREDIT UNION ASSOCIATION, founded in 2020, is a community nonprofit in the Community Improvement sector that reported $6.7M in total revenue in fiscal year 2023. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.4M, a strong 21% operating margin.

Mission

CROSSSTATE PROVIDES ADVOCACY, RESOURCES, AND SOLUTIONS TO MEMBER CREDIT UNIONS IN PENNSYLVANIA AND NEW JERSEY.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $6,108,815
Investment Income $578,783
Other Revenue $59,247
TOTAL REVENUE $6,746,845

Expense Breakdown

Grants Paid $16,911
Salaries & Benefits $3,374,523
Fundraising Expenses $0
Other Expenses $1,929,496
TOTAL EXPENSES $5,320,930

Year-over-Year Comparison

2023 2022 Change
Revenue $6,746,845 $6,124,256 +0.1%
Expenses $5,320,930 $4,887,438 +0.1%
Net Income $1,425,915 $1,236,818 +0.2%
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
12
Independent Members
12
Employees
24
Volunteers
211

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
27
$1,286,722
Total Directors
32
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
PATRICK CONWAY PRESIDENT & 40.00
Officer
$608,238 $66,187 $674,425
CHRISTINA MIHALIK SVP GOV RELA 40.00
Officer
$166,632 $15,380 $182,012
NICOLA FOGGIE CHIEF REG OF 40.00
Officer
$137,219 $12,312 $149,531
BRADFORD SIMPSON CFO 40.00
Officer
$113,317 $29,742 $143,059
KAMALA BRANCHICK VP, HR & OPE 40.00
Officer
$118,610 $19,085 $137,695
ANDY JAEGER CHAIR 1.00
Officer Director
$0 $0 $0
WENDY KINGSLAND VICE CHAIR 1.00
Officer Director
$0 $0 $0
DAVID ARDIRE DIRECTOR 0.50
Director
$0 $0 $0
JIM BURNS DIRECTOR 0.50
Director
$0 $0 $0
TRACI DONAHUE DIRECTOR 0.50
Director
$0 $0 $0
RICHARD GARCIA DIRECTOR 0.50
Director
$0 $0 $0
JILL PETERSON DIRECTOR 0.50
Director
$0 $0 $0
JAY REED DIRECTOR 0.50
Director
$0 $0 $0
STACEY REMICK DIRECTOR 0.50
Director
$0 $0 $0
ANNEMARIE SHINN DIRECTOR 0.50
Director
$0 $0 $0
JOEL SLAGAN DIRECTOR 0.50
Director
$0 $0 $0
RICHARD STIPA DIRECTOR 0.50
Director
$0 $0 $0
DARLENE J WALKER PRESIDENT - 1.00
Officer Director
$0 $0 $0
VICTOR A GIOIOSA JR PRESIDENT - 1.00
Officer Director
$0 $0 $0
SCOTT BRUNNER VP - BEAVER 1.00
Officer Director
$0 $0 $0
JOSEPH FLETCHER PRESIDENT - 1.00
Officer Director
$0 $0 $0
SARAH J JOHNSTON PRESIDENT - 1.00
Officer Director
$0 $0 $0
AMANDA HOPPLE PRESIDENT - 1.00
Officer Director
$0 $0 $0
KAREN WALKER PRESIDENT - 1.00
Officer Director
$0 $0 $0
FELICIA CUNNINGHAM PRESIDENT - 1.00
Officer Director
$0 $0 $0
ROSEMARIE E KRANTZ PRESIDENT - 1.00
Officer Director
$0 $0 $0
GARY LOOMIS PRESIDENT - 1.00
Officer Director
$0 $0 $0
VINCENT J MARKET PRESIDENT - 1.00
Officer Director
$0 $0 $0
BRENDA RAKER PRESIDENT-NW 1.00
Officer Director
$0 $0 $0
STACEY HOVAN PRESIDENT - 1.00
Officer Director
$0 $0 $0
MARIE O'BRIEN PRESIDENT - 1.00
Officer Director
$0 $0 $0
MICHAEL VATTER PRESIDENT - 1.00
Officer Director
$0 $0 $0
DEBRA A KAUFFMAN VP - YORK 1.00
Officer Director
$0 $0 $0
BOB STEEVES PRESIDENT - 1.00
Officer Director
$0 $0 $0
MARK MALINOWSKI PRESIDENT - 1.00
Officer Director
$0 $0 $0
GARY CHIZMADIA PRESIDENT - 1.00
Officer Director
$0 $0 $0
JOHN NEWMAN PRESIDENT - 1.00
Officer 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
2024 No data No data No data No data
2023 $6,746,845 $5,320,930 $25,635,027 $1,425,915
2022 $6,124,256 $4,887,438 $23,378,111 $1,236,818
2021 $5,967,329 $4,725,015 $23,054,558 $1,242,314
2020 $5,120,702 $4,897,360 $20,856,850 $223,342
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