719 Emerald Credit Union
| Fiscal year | Revenue | Expenses | Net | Reserve mo. | Staff % |
|---|---|---|---|---|---|
| 2011 | 2,720,097 | 2,649,083 | 71,014 | 20.1 | 32% |
| 2012 | 2,568,121 | 2,496,869 | 71,252 | 22.1 | 34% |
| 2013 | 2,568,000 | 2,666,240 | −98,240 | 19.5 | 28% |
| 2014 | 2,489,417 | 2,508,114 | −18,697 | 20.6 | 34% |
| 2015 | 2,310,194 | 2,875,217 | −565,023 | 15.6 | 29% |
| 2016 | 2,177,466 | 1,995,433 | 182,033 | 23.9 | 36% |
| 2017 | 2,413,921 | 2,245,679 | 168,242 | 21.8 | 37% |
| 2018 | 2,607,537 | 2,804,289 | −196,752 | 16.5 | 31% |
| 2019 | 2,734,307 | 3,285,506 | −551,199 | 12.3 | 26% |
| 2021 | 1,978,354 | 1,983,851 | −5,497 | 18.2 | 39% |
| 2022 | 2,281,022 | 1,780,103 | 500,919 | 23.5 | 41% |
| 2023 | 2,158,808 | 2,079,495 | 79,313 | 19.1 | 36% |
In its most recent public year (2023), this organization brought in $79,313 more than it spent. Its reserves stood at about 19.1 months of spending. Staff pay was 36% of spending.
Reserve months = net assets ÷ average monthly spending; net assets count everything the organization owns beyond its debts — buildings and donor-restricted funds included, not just cash. Staff pay = salaries, wages, and officer compensation; it excludes benefits and payroll taxes. The IRS releases this data years after the fact — this organization's newest public year is 2023. Years refer to the calendar year in which the organization's fiscal year ended. Short-form filers do not publicly report donor-restricted balances or staffing costs. Source filings
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