Skip to content
ProPublica Donate
ProPublica Donate

568 Cardinal Credit Union Inc

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$13.7M (2022)

Expenses
$12.7M (2022)

Total Assets
$289M (2022)

Total Liabilities
$256M (2022)

Source: Form 990 tax filings from 2011 to 2022

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,717,571
Expenses
$12,727,497
Net Income
$990,074
Net Assets
$32,476,031
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $12,933,409
94.3%
Investment Income $791,426
5.8%
Bond Proceeds $0
Royalties $40,264
0.3%
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$47,528
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,213,419
9.5%
Professional Fundraising Fees $0
Other Salaries and Wages $4,253,639
33.4%
Assets/Debt
Total Assets $288,887,413
Total Liabilities $256,411,382
Net Assets $32,476,031
Compensation
Key Employees and Officers Compensation Related Other
Christine Blake (President/Ceo) $381,568 $0 $45,367
Lanny Berlingieri (Cfo) $204,355 $0 $11,838
Mario Duvnjak (Coo) $186,083 $0 $12,338
Justas Adomavicius (Clo) $133,034 $0 $8,842
Renee Mullen (Director Of Lending) $106,459 $0 $10,899
Chad Dean (Commerical Loan Orignator) $101,984 $0 $10,652
Kenneth Deken (Director) $0 $0 $0
James Gray (Director) $0 $0 $0
Randy Mears (Secretary) $0 $0 $0
Kathleen O'connell Burton (Director) $0 $0 $0
Jeff Shibley (Vice Chairman Of The Board) $0 $0 $0
Ed Brown (Treasurer) $0 $0 $0
James Brumbaugh (Director) $0 $0 $0
Sandy Hamo (Chairwoman Of The Board) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,219,321
Expenses
$10,449,396
Net Income
$2,769,925
Net Assets
$34,405,763
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $12,620,933
95.5%
Investment Income $556,259
4.2%
Bond Proceeds $0
Royalties $33,895
0.3%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $8,234
0.1%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,081,567
10.4%
Professional Fundraising Fees $0
Other Salaries and Wages $2,796,328
26.8%
Assets/Debt
Total Assets $282,642,743
Total Liabilities $248,236,980
Net Assets $34,405,763
Compensation
Key Employees and Officers Compensation Related Other
Christine Blake (President/Ceo) $359,505 $0 $42,654
Eric Rosenblatt (Cfo Prior) $184,368 $0 $5,344
Mario Duvnjak (Coo) $181,024 $0 $14,930
Lanny Berlingieri (Cfo Current) $166,650 $0 $8,742
Renee Mullen (Director Of Lending) $106,459 $0 $11,890
Kenneth Deken (Director) $0 $0 $0
James Gray (Director) $0 $0 $0
Randy Mears (Secretary) $0 $0 $0
Kathleen O'connell Burton (Director) $0 $0 $0
William Patrick Jr (Vice Chairman Of The Board) $0 $0 $0
Jeff Shibley (Director) $0 $0 $0
Ed Brown (Director) $0 $0 $0
James Brumbaugh (Director) $0 $0 $0
Sandy Hamo (Chairwoman Of The Board) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,922,243
Expenses
$12,262,138
Net Income
$1,660,105
Net Assets
$32,225,630
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $13,229,578
95.0%
Investment Income $634,599
4.6%
Bond Proceeds $0
Royalties $32,865
0.2%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $25,201
0.2%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $942,748
7.7%
Professional Fundraising Fees $0
Other Salaries and Wages $3,229,075
26.3%
Assets/Debt
Total Assets $262,084,279
Total Liabilities $229,858,649
Net Assets $32,225,630
Compensation
Key Employees and Officers Compensation Related Other
Christine Blake (President/Ceo) $444,169 $0 $19,021
Eric Rosenblatt (Cfo) $173,860 $0 $2,436
Mario Duvnjak (Interim Coo) $126,579 $0 $9,119
Daniel Mcgarry (Mortgage Loan Originator) $115,931 $0 $10,060
Lanny Berlingieri (Gao) $112,875 $0 $5,132
Kenneth Deken (Director) $0 $0 $0
James Gray (Director) $0 $0 $0
Randy Mears (Secretary) $0 $0 $0
Kathleen O'connell Burton (Director) $0 $0 $0
William Patrick Jr (Vice Chairman Of The Board) $0 $0 $0
Jeff Shibley (Director) $0 $0 $0
Ed Brown (Treasurer) $0 $0 $0
James Brumbaugh (Director) $0 $0 $0
Sandy Hamo (Chairwoman Of The Board) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$14,097,164
Expenses
$13,234,778
Net Income
$862,386
Net Assets
$30,588,645
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $13,199,068
93.6%
Investment Income $1,110,805
7.9%
Bond Proceeds $0
Royalties $35,819
0.3%
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$248,528
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $677,709
5.1%
Professional Fundraising Fees $0
Other Salaries and Wages $4,563,027
34.5%
Assets/Debt
Total Assets $236,151,339
Total Liabilities $205,562,694
Net Assets $30,588,645
Compensation
Key Employees and Officers Compensation Related Other
Christine Blake (President/Ceo) $349,636 $0 $39,370
Daniel Mcgarry (Mortgage Loan Originator) $144,289 $0 $10,002
Eric Rosenblatt (Cfo) $137,654 $0 $5,615
Mario Duvnjak (District Manager) $118,637 $0 $11,890
Lanny Berlingieri (Gao) $112,875 $0 $7,195
Kenneth Deken (Vice Chairman Of The Board) $0 $0 $0
James Gray (Chairman Of The Board) $0 $0 $0
Randy Mears (Secretary/Treasurer) $0 $0 $0
Kathleen O'connell Burton (Director) $0 $0 $0
William Patrick Jr (Director) $0 $0 $0
Jeff Shibley (Director) $0 $0 $0
Ed Brown (Director) $0 $0 $0
James Brumbaugh (Director) $0 $0 $0
Sandy Hamo (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$14,642,083
Expenses
$13,748,425
Net Income
$893,658
Net Assets
$29,471,449
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $13,740,280
93.8%
Investment Income $874,745
6.0%
Bond Proceeds $0
Royalties $35,208
0.2%
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$8,150
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $689,909
5.0%
Professional Fundraising Fees $0
Other Salaries and Wages $4,756,876
34.6%
Assets/Debt
Total Assets $238,914,685
Total Liabilities $209,443,236
Net Assets $29,471,449
Compensation
Key Employees and Officers Compensation Related Other
Christine Blake (President/Ceo) $315,921 $0 $36,877
Harley Hill (Cfo (Retired)) $184,529 $0 $26,461
Mario Duvnjak (District Manager) $117,999 $0 $12,082
Eric Rosenblatt (Cfo) $111,058 $0 $15,063
Kenneth Deken (Director) $0 $0 $0
James Gray (Vice Chairman) $0 $0 $0
Randy Mears (Secretary/Treasurer) $0 $0 $0
Kathleen O'connell Burton (Director) $0 $0 $0
William Patrick Jr (Chairman) $0 $0 $0
Jeff Shibley (Director) $0 $0 $0
Ed Brown (Director) $0 $0 $0
James Brumbaugh (Director) $0 $0 $0
Sandy Hamo (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$14,631,695
Expenses
$13,303,850
Net Income
$1,327,845
Net Assets
$28,631,811
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $13,991,282
95.6%
Investment Income $651,177
4.5%
Bond Proceeds $0
Royalties $34,933
0.2%
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$45,697
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $496,923
3.7%
Professional Fundraising Fees $0
Other Salaries and Wages $4,801,011
36.1%
Assets/Debt
Total Assets $244,094,805
Total Liabilities $215,462,994
Net Assets $28,631,811
Compensation
Key Employees and Officers Compensation Related Other
Christine Blake (President/Ceo) $299,978 $0 $20,068
Harley Hill (Cfo) $151,622 $0 $25,255
Mario Duvnjak (District Manager) $132,541 $0 $11,388
Kenneth Deken (Director) $0 $0 $0
James Gray (Vice Chairman) $0 $0 $0
Randy Mears (Secretary/Treasurer) $0 $0 $0
Kathleen O'connell Burton (Director) $0 $0 $0
Robert Dragolic (Director) $0 $0 $0
William Patrick Jr (Chairman) $0 $0 $0
Jeff Shibley (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$12,355,265
Expenses
$11,051,467
Net Income
$1,303,798
Net Assets
$27,010,149
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,796,242
95.5%
Investment Income $508,204
4.1%
Bond Proceeds $0
Royalties $28,603
0.2%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $22,216
0.2%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $439,578
4.0%
Professional Fundraising Fees $0
Other Salaries and Wages $3,984,710
36.1%
Assets/Debt
Total Assets $243,080,984
Total Liabilities $216,070,835
Net Assets $27,010,149
Compensation
Key Employees and Officers Compensation Related Other
Christine Blake (President/Ceo) $266,789 $0 $8,966
Harley Hill (Cfo) $149,378 $0 $16,027
Kenneth Deken (Director) $0 $0 $0
James Gray (Vice Chairman) $0 $0 $0
Randy Mears (Secretary/Treasurer) $0 $0 $0
Kathleen O'connell Burton (Director) $0 $0 $0
Robert Dragolic (Director) $0 $0 $0
William Patrick Jr (Chairman) $0 $0 $0
Jeff Shibley (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$10,203,908
Expenses
$9,519,003
Net Income
$684,905
Net Assets
$21,239,141
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $9,815,440
96.2%
Investment Income $402,692
3.9%
Bond Proceeds $0
Royalties $22,876
0.2%
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$37,100
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $399,410
4.2%
Professional Fundraising Fees $0
Other Salaries and Wages $3,134,265
32.9%
Assets/Debt
Total Assets $191,821,706
Total Liabilities $170,582,565
Net Assets $21,239,141
Compensation
Key Employees and Officers Compensation Related Other
Christine Blake (President/Ceo) $247,540 $0 $9,015
Harley Hill (Cfo) $113,837 $0 $31,082
Kenneth Deken (Chairman) $0 $0 $0
James Gray (Vice Chairman) $0 $0 $0
Randy Mears (Secretary/Treasurer) $0 $0 $0
Kathleen O'connell Burton (Director) $0 $0 $0
Rick Layton Sr (Director) $0 $0 $0
Robert Dragolic (Director) $0 $0 $0
Joanne Iocca (Director) $0 $0 $0
William Patrick Jr (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$8,415,367
Expenses
$8,019,280
Net Income
$396,087
Net Assets
$19,438,070
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $8,035,869
95.5%
Investment Income $449,706
5.3%
Bond Proceeds $0
Royalties $20,634
0.2%
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$90,841
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $347,378
4.3%
Professional Fundraising Fees $0
Other Salaries and Wages $2,481,073
30.9%
Assets/Debt
Total Assets $175,807,854
Total Liabilities $156,369,784
Net Assets $19,438,070

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,789,443
Expenses
$7,559,914
Net Income
$229,529
Net Assets
$19,027,506
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,455,961
95.7%
Investment Income $454,830
5.8%
Bond Proceeds $0
Royalties $23,289
0.3%
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$144,637
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $298,295
3.9%
Professional Fundraising Fees $0
Other Salaries and Wages $2,296,321
30.4%
Assets/Debt
Total Assets $175,147,763
Total Liabilities $156,120,257
Net Assets $19,027,506
Compensation
Key Employees and Officers Compensation Related Other
Christine Blake (President/Ceo) $222,618 $0 $8,248
Harley Hill (Cfo) $51,731 $0 $15,697
Kenneth Deken (Chairman) $0 $0 $0
James Gray (Vice Chairman) $0 $0 $0
James Metz (Treasurer) $0 $0 $0
Randy Mears (Secretary) $0 $0 $0
Kathleen O'connell Burton (Director) $0 $0 $0
Rick Layton (Director) $0 $0 $0
Robert Dragolic (Director) $0 $0 $0
Joanne Iocca (Director) $0 $0 $0
William Patrick Jr (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$8,154,663
Expenses
$7,224,487
Net Income
$930,176
Net Assets
$18,223,454
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,645,831
93.8%
Investment Income $634,798
7.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$125,966
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $230,721
3.2%
Professional Fundraising Fees $0
Other Salaries and Wages $2,258,525
31.3%
Assets/Debt
Total Assets $170,795,223
Total Liabilities $152,571,769
Net Assets $18,223,454

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,746,054
Expenses
$6,838,351
Net Income
$907,703
Net Assets
$17,316,155
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,591,195
85.1%
Investment Income $1,155,494
14.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$635
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $189,724
2.8%
Professional Fundraising Fees $0
Other Salaries and Wages $1,974,857
28.9%
Assets/Debt
Total Assets $155,927,160
Total Liabilities $138,611,005
Net Assets $17,316,155

Document Links

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

API

The data powering this website is available programmatically, via an API. Read the API documentation »