White Rose Credit Union

York, PAUnknown exempt organizationSince 1950EIN 23-1402813Revenue $7.2M in FY2025

On file with the IRSwhiterosecu.com3498 Industrial Drive · York, PA

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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.

Run by 13 volunteers and 55 employees.
Mission: Form 990 Part I, line 1 · People: Part I, lines 5–6

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
5 of 6
filings with a surplus
Average surplus $399K a year · 7% of revenue · last 6 filings
Fine: a surplus in 5 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Pay to officers and key staff
$163K
to officers and key staff · 2% of spending
Looks good: pay to officers and key staff is 2% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
15 mo
of spending, in cash
Looks good: 14.8 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$105.2M
91% of total assets
Concern: liabilities are 91% of assets; over 80%.
Pt X · Ln 26
Independent board members
8
of 9 voting members
Looks good: 8 of 9 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$7.2M
+8% vs prior year
Spent
$6.6M
Net assets
$10.0M
By yearFY2020–FY2025
Revenue
$7.2M
FY2025▲ +8%
Tap a bar for its year
Revenue by fiscal year
FY2020$4.6M
FY2021$4.6M
FY2022$4.8M
FY2023$6.7M
FY2024$6.7M
FY2025$7.2M
Expenses
$6.6M
FY2025▼ -1%
Tap a bar for its year
Expenses by fiscal year
FY2020$4.4M
FY2021$4.1M
FY2022$4.5M
FY2023$5.9M
FY2024$6.7M
FY2025$6.6M
Net assets
$10.0M
FY2025▲ +6%
Tap a bar for its year
Net assets by fiscal year
FY2020$7.8M
FY2021$8.3M
FY2022$8.7M
FY2023$9.4M
FY2024$9.4M
FY2025$10.0M

From the FY2025 Form 990 · see the original

Give Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Who runs it and what they're paid

9 people listed on the 990; $163K paid to officers and key staff.

Part VII, Section A · reportable compensation
Treasurer & CEO
$162,976Pt VII · Sec A
Vice Chairperson
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Director (start 4/1/25)
$0Pt VII · Sec A
Director (start 6/20/25)
$0Pt VII · Sec A
Chairperson
$0Pt VII · Sec A

Compensation history total reportable pay by year · 4 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Debra Kauffman——$171,082$144,277$137,334$105,503
Bryan C Smith$162,976—————
Debra Kauffman Till 92024—$142,192————
Bryan C Smith Start 102024—$103,803————

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Improves lives and inspires community action through financial services.

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Provided by the organization

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3 programs · in their own filed words · FY2025
01

Provide an insured financial depository institution for more than 10,932 members.

Pt IX · col B
02

Provide financial services to more than 10,932 members.

Pt IX · col B
03

Provide loans to more than 10,932 members.

Pt IX · col B

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$7.2M
Ln 12
Fees for servicesLn 2g$5.7M
Investment incomeLn 3$1.6M
Other incomeLn 4–11$14K
Money outPt IX
$6.6M
Ln 25
Owns and owesPt X
$10.0M
net assets · Ln 32
Cash and savingsLn 1–2$8.2M
Total assetsLn 16$115.2M
LiabilitiesLn 26$105.2M
PeoplePt VI, VII
9
listed · VII A
PaidVII A1
Voting boardVI 1a9
IndependentVI 1b8
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$5.7M
Investment incomeLn 3$1.6M
Other incomeLn 4–11$14K
Gains on assetsLn 7$259
Total revenueLn 12$7.2M
Assets in detailPt X, end of year
CashLn 1$865K
SavingsLn 2$7.3M
Cash and savings togetherLn 1–2$8.2M
InvestmentsLn 11–13$38.7M
Land, buildings, equipmentLn 10c$4.7M
Other assetsLn 15$1.4M
Total assetsLn 16$115.2M
LiabilitiesLn 26$105.2M
Net assetsLn 32$10.0M
OperationsPt I, VI
EmployeesI 555
VolunteersI 613
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$4.6M$8.2M
InvestmentsLn 11–13$31.2M$38.7M
Land, buildings, equipmentLn 10c$5.0M$4.7M
Total assetsLn 16$114.2M$115.2M
LiabilitiesLn 26$104.8M$105.2M
Net assetsLn 32$9.4M$10.0M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic individualsLn 2$2K
Pay of current officers, directors and key staffLn 5$197K
Other salaries and wagesLn 7$2.1M
Pension plan contributionsLn 8$40K
Other employee benefitsLn 9$127K
Payroll taxesLn 10$178K
Legal feesLn 11b$21K
Accounting feesLn 11c$23K
Other fees for servicesLn 11g$698K
Advertising and promotionLn 12$108K
Office expensesLn 13$1.1M
OccupancyLn 16$234K
TravelLn 17$16K
InterestLn 20$808K
Depreciation, depletion and amortizationLn 22$381K
InsuranceLn 23$50K
Other expenses (24a–d)Ln 24$607K
Total functional expensesLn 25$6.6M

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $7.2M$6.6M$588K$10.0M 990 PDF
FY2024 $6.7M$6.7M−$22K$9.4M 990 PDF
FY2023 $6.7M$5.9M$808K$9.4M 990 PDF
FY2022 $4.8M$4.5M$353K$8.7M 990 PDF
FY2021 $4.6M$4.1M$469K$8.3M 990 PDF
FY2020 $4.6M$4.4M$196K$7.8M 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2025 990 (6 parts)
Part I · Summary $7,234,993 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$0
I-9 Program service revenuePrior year $5,836,631$5,661,381
I-10 Investment incomePrior year $856,323$1,559,717
I-11 Other revenuePrior year $12,955$13,895
I-12 Total revenuePrior year $6,705,909$7,234,993
I-13 Grants and similar amounts paidPrior year $2,000$2,500
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $2,626,901$2,599,135
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $4,099,450$4,045,850
I-18 Total expensesPrior year $6,728,351$6,647,485
I-19 Revenue less expensesPrior year −$22,442$587,508
Part VI · Governance 8 of 9 board members independent, no flags
VI-1a Voting members of the governing body9
VI-1b Independent voting members8
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $7,234,993 across 5 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $5,661,381$5,661,381
VIII-3 Investment incomeExcluded from tax $1,559,458$1,559,458
VIII-6 Net rental income or lossExcluded from tax $13,895$13,895
VIII-7 Net gain or loss on sales of assetsExcluded from tax $259$259
VIII-12 Total revenueRelated to mission $5,661,381 · Unrelated business $0 · Excluded from tax $1,573,612$7,234,993
Part IX · Statement of functional expenses $6,647,485 across 17 lines filed
IX-2 Grants to domestic individuals$2,500
IX-5 Pay of current officers, directors and key staff$196,731
IX-7 Other salaries and wages$2,057,410
IX-8 Pension plan contributions$39,660
IX-9 Other employee benefits$126,865
IX-10 Payroll taxes$178,469
IX-11b Legal fees$21,420
IX-11c Accounting fees$23,025
IX-11g Other fees for services$698,025
IX-12 Advertising and promotion$107,728
IX-13 Office expenses$1,100,163
IX-16 Occupancy$233,644
IX-17 Travel$16,378
IX-20 Interest$807,828
IX-22 Depreciation, depletion and amortization$381,227
IX-23 Insurance$49,508
IX-24 Other expenses (24a–d)$606,904
IX-25 Total functional expenses$6,647,485
Part X · Balance sheet $115,184,369 assets, 15 lines filed
Asset lines not itemized here account for $61,323,761; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $782,789$864,677
X-2 Savings and temporary cash investmentsStart of year $3,809,589$7,316,628
X-4 Accounts receivableStart of year $533,685$613,370
X-9 Prepaid expenses and deferred chargesStart of year $386,891$232,920
X-10c Land, buildings and equipment, netStart of year $4,967,741$4,700,925
X-11 Publicly traded securitiesStart of year $23,388,179$32,926,760
X-12 Other securitiesStart of year $7,800,614$5,815,701
X-14 Intangible assetsStart of year $8,777$7,000
X-15 Other assetsStart of year $1,630,032$1,382,627
X-16 Total assetsStart of year $114,202,315$115,184,369
X-17 Accounts payable and accrued expensesStart of year $630,686$541,195
X-25 Other liabilitiesStart of year $104,163,669$104,647,706
X-26 Total liabilitiesStart of year $104,794,355$105,188,901
X-32 Total net assets or fund balancesStart of year $9,407,960$9,995,468
X-33 Total liabilities and net assetsStart of year $114,202,315$115,184,369
Part XI · Reconciliation of net assets $9,995,468 net assets at year end
XI-1 Total revenue$7,234,993
XI-2 Total expenses$6,647,485
XI-3 Revenue less expenses$587,508
XI-4 Net assets at start of year$9,407,960
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$9,995,468

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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