2025-11-14T12:03:57-06:00 2024-12-31 141555429 UHY ADVISORS NORTHEAST INC 4 TOWER PLACE EXECUTIVE PARK 7TH FLOOR ALBANY NY 12203 990 2024-01-01 135582889 NEW YORK CREDIT UNION ASSOCIATION INC NEWY 8003429835 PO BOX 15118 ALBANY NY 12212 EDWARD W KOVALEFSKY CFO 8003429835 2025-11-14 1 1 JAMES DANIELS P00603621 5184493166 2025-11-14 2024 2025-03-06 01:10:19Z WILLIAM J MELLIN PO BOX 15118 ALBANY NY 12212 4017338 0 X WWW.NYCUA.ORG X 1917 NY THE NEW YORK CREDIT UNION ASSOCIATION, INC. (NYCUA) ADVANCES THE CREDIT UNION MOVEMENT BY ADVOCATING, EDUCATING, SUPPORTING, AND UNIFYING THE INTERESTS OF ALL CREDIT UNIONS IN NEW YORK STATE. FOUNDED IN 1917, NYCUA PROVIDES CREDIT UNIONS WITH A FULL RANGE OF SERVICES INCLUDING EDUCATION AND TRAINING, ADVOCACY, COMMUNITY OUTREACH, AND COMPLIANCE. UNDER THE LEADERSHIP OF PRESIDENT/CEO WILLIAM J. MELLIN, NYCUA IS NOW THE 4TH LARGEST CREDIT UNION ASSOCIATION IN THE COUNTRY. 12 12 6 0 0 0 0 0 2689868 2909551 80012 235946 661 0 2770541 3145497 0 0 0 0 1213137 1190276 0 0 0 1807436 2088664 3020573 3278940 -250032 -133443 26947499 27405081 2764455 2831296 24183044 24573785 X PLEASE SEE SCHEDULE O (PART I, LINE 1) FOR MISSION DESCRIPTION. 0 0 THE NEW YORK CREDIT UNION ASSOCIATION, INC. ("THE ASSOCIATION") HAS WORKED "TO SERVE AND SUPPORT CREDIT UNIONS" SINCE 1917. AS THE TRADE ASSOCIATION FOR APPROXIMATELY 300 NOT-FOR-PROFIT, MEMBER-OWNED CREDIT UNIONS IN NEW YORK, THE ASSOCIATION PROMOTES THE HEALTH AND WELL BEING OF THE CREDIT UNION MOVEMENT AT THE NATIONAL, STATE AND LOCAL LEVEL. THE ASSOCIATION UNIFIES CREDIT UNIONS AND PROMOTES THEIR MUTUAL WELFARE, WHILE ALSO MAINTAINING CONTACTS WITH SIMILAR ORGANIZATIONS IN OTHER STATES. EDUCATIONAL SEMINARS AND PROGRAMS PROVIDE MEMBER CREDIT UNIONS WITH ANOTHER SOURCE OF INFORMATION. THESE PROGRAMS, AVAILABLE TO ALL MEMBER CREDIT UNIONS, ARE EDUCATIONAL IN NATURE, PROVIDING INFORMATION TO CREDIT UNIONS ON ISSUES IMPACTING THE CREDIT UNION MOVEMENT. MEMBER CREDIT UNIONS ARE KEPT ABREAST OF CURRENT ISSUES, LAWS, AND REGULATIONS AS WELL AS BUSINESS AND CONSUMER TRENDS RELEVANT TO CREDIT UNIONS. NYCUA'S COMPLIANCE EXPERTS ANSWER QUESTIONS AND WORK WITH CREDIT UNIONS ON ISSUES THAT IMPACT THEM DAILY WHILE AT THE SAME TIME SERVING AS A LIAISON BETWEEN CREDIT UNIONS AND MANY REGULATORY AGENCIES SUCH AS THE NATIONAL CREDIT UNION ADMINISTRATION AND THE NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES. NYCUA ACTS AS AN ADVOCATE FOR LEGISLATION IN SUPPORT OF CREDIT UNIONS AND CONSUMERS IN GENERAL AT BOTH STATE AND NATIONAL LEVEL LAWMAKERS. 0 0 0 0 0 0 0 0 0 1 1 0 0 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 1 8 0 1 6 1 0 0 0 0 0 0 0 0 X 12 12 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 0 0 X EDWARD W KOVALEFSKY CFO 8003429835 4 TOWER PL FL 5 ALBANY NY 12203 ERIC HEPKINS CHAIR 4.00 0.00 X X 0 0 0 MAGGIE POPE VICE CHAIR 4.00 0.00 X X 0 0 0 A RYAN ROBERTS TREASURER 4.00 0.00 X X 0 0 0 GARRETT GIZOWSKI SECRETARY 4.00 0.00 X X 0 0 0 LAURIE BAKER DIRECTOR 4.00 0.00 X 0 0 0 MARIE BETTI DIRECTOR 4.00 0.00 X 0 0 0 BRAD CALHOUN DIRECTOR 4.00 0.00 X 0 0 0 BRIAN MAY DIRECTOR 4.00 0.00 X 0 0 0 KEVIN MIETLICKI DIRECTOR 4.00 0.00 X 0 0 0 KEITH STONE DIRECTOR 4.00 0.00 X 0 0 0 JOHNATHAN ROBERTS DIRECTOR 4.00 0.00 X 0 0 0 ROBYN YOUNG DIRECTOR 4.00 0.00 X 0 0 0 WILLIAM J MELLIN PRESIDENT/CEO 17.50 17.50 X 304371 304371 4771 EDWARD KOVALEFSKY CHIEF FINANCIAL OFFICER 7.00 28.00 X 44440 177760 779 CHRISTOPHER PAJAK CHIEF OPERATING OFFICER 35.00 0.00 X 199454 0 8846 GREGORY MASTRANGELO CHIEF TECHNOLOGY OFFICER 8.75 26.25 X 48432 145294 8654 LORI MAYER DIRECTOR OF HUMAN RESOURCE 8.75 26.25 X 35564 106690 10751 BARBARA DELAFAYETTE DIRECTOR OF FINANCE 17.50 17.50 X 65626 65625 15474 LAURIE MOORE DIRECTOR OF EXECUTIVE AFFA 17.50 17.50 X 61946 61945 9449 ZACHARY OGDEN DIRECTOR OF MEMBER SERVICES 35.00 0.00 X 120790 0 14238 880623 861685 72962 3 0 1 0 0 MEMBERSHIP DUES 900099 2039909 2039909 ANNUAL MEETING AND CON 541900 574974 574974 MEMBER SERVICES 541900 294668 294668 2909551 217319 217319 890468 871841 18627 18627 18627 3145497 2909551 0 235946 610249 462009 14840 42400 60778 75000 17150 152500 228313 20075 50468 167413 25934 54011 724057 30585 16427 MANAGEMENT ALLOCATION 356113 MEMBER AND CHAPTER SUPP 70254 GOVERNMENTAL ACTIVITIES 67182 PUBLIC RELATIONS 33182 3278940 3102740 2948127 64376 51643 177279 182644 153020 143946 31567 9074 3478237 3634110 19695800 20181983 397500 397500 26947499 27405081 1480145 1602026 1226621 1190310 57689 38960 2764455 2831296 X 23263889 23628740 919155 945045 24183044 24573785 26947499 27405081 X -133443 38001 486183 X 0 1 X 1 0 40938 39336 1602 112082 104610 7472 9074 CONSOLIDATED LEAGUE SERVICES, INC. (VALUE STATED AT EQUITY) 20181983 C 20181983 INTERCOMPANY PAYABLE 38960 38960 X 1 1 X X X 0 0 0 WILLIAM J MELLIN PRESIDENT/CEO 206739 206740 58570 58570 39062 39061 0 0 2386 2385 306757 306756 0 0 EDWARD KOVALEFSKY CHIEF FINANCIAL OFFICER 39140 156560 5300 21200 0 0 0 0 156 623 44596 178383 0 0 CHRISTOPHER PAJAK CHIEF OPERATING OFFICER 175954 0 23500 0 0 0 7978 0 868 0 208300 0 0 0 GREGORY MASTRANGELO CHIEF TECHNOLOGY OFFICER 42437 127309 5995 17985 0 0 1937 5812 226 679 50595 151785 0 0 FORM 990, PART VI, SECTION A, LINE 6 DESCRIPTION OF MEMBERSHIP: A NATURAL PERSON CREDIT UNION CHARTERED UNDER STATE OR FEDERAL LAW DOMICILED IN NEW YORK STATE CAN BECOME A MEMBER UPON PAYMENT OF ANNUAL DUES AND ACCEPTANCE SUBJECT TO NYCUA'S BYLAWS. A NATURAL PERSON CREDIT UNION CHARTERED UNDER STATE OR FEDERAL LAW DOMICILED IN A STATE OTHER THAN NEW YORK STATE CAN BECOME AN ASSOCIATE MEMBER UPON PAYMENT OF ANNUAL DUES AND ACCEPTANCE SUBJECT TO NYCUA'S BYLAWS. FORM 990, PART VI, SECTION A, LINE 7A MEMBERS' POWER TO ELECT GOVERNING BODY: NYCUA DIRECTORS SHALL BE ELECTED BY PLURALITY OF THE CREDIT UNIONS VOTING BY BALLOT PURSUANT TO THE RULES AND REGULATIONS ADOPTED BY THE NYCUA BOARD OF DIRECTORS. A DIRECTOR SHALL BE THE CHIEF EXECUTIVE OFFICER OR NEXT LEVEL SENIOR MANAGER OF AN AFFILIATED CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 7B GOVERNANCE DECISIONS RESERVED TO MEMBERSHIP: BYLAW CHANGES PROPOSED BY MEMBER CREDIT UNIONS: - A REQUEST TO CHANGE THE BYLAWS MUST BE SUBMITTED TO THE SECRETARY OF THE BOARD, IN WRITING, AND MUST BE SIGNED BY AT LEAST TEN (10%) PERCENT OF THE MEMBERS, AS DEFINED IN ARTICLE II OF NYCUA'S BYLAWS. - WITHIN THIRTY (30) DAYS OF THE RECEIPT OF THE REQUEST, THE BOARD WILL VOTE AND TAKE A POSITION ON THE REQUEST. A MAJORITY VOTE OF THE BOARD, WITH TWO-THIRDS (2/3) OF THE DIRECTORS PRESENT AND VOTING, IS REQUIRED. THE BOARD MAY ELECT TO RECOMMEND, NOT RECOMMEND OR TAKE NO POSITION ON THE REQUEST. - WITHIN SIXTY (60) DAYS AFTER RECEIPT OF THE REQUEST, THE BOARD SHALL CAUSE A NOTICE TO BE SENT TO MEMBERS REGARDING THE REQUEST. THE NOTICE WILL INCLUDE THE FOLLOWING: THE ORIGINAL SUBMITTED REQUEST, THE NAMES OF THE MEMBERS REQUESTING THE CHANGE, THE BOARD'S OFFICIAL POSITION ON THE REQUEST, AND A VOTING BALLOT. - MEMBER BALLOTS MUST BE SUBMITTED TO THE BOARD SECRETARY WITHIN THIRTY (30) DAYS AFTER THE ISSUANCE OF THE NOTICE. - A MAJORITY VOTE OF THE MEMBERS VOTING, BY BALLOT, SHALL DETERMINE THE APPROVAL OR DENIAL OF THE REQUEST. THE BOARD SHALL CAUSE A NOTICE OF THE OUTCOME OF THE VOTE TO BE SENT TO MEMBERS WITHIN TEN (10) CALENDAR DAYS AFTER THE CONCLUSION OF THE VOTE. UNLESS RESTRICTED BY GOVERNMENT REGULATIONS THE BOARD SHALL ADOPT AND EXECUTE THE CHANGE WITHIN NINETY (90) CALENDAR DAYS. CHANGES TO BYLAWS PROPOSED BY THE BOARD OF DIRECTORS: - A MOTION TO PROPOSE A CHANGE REQUIRES A MAJORITY VOTE OF THE BOARD, WITH TWO-THIRDS (2/3) OF THE DIRECTORS PRESENT AND VOTING. - ONCE THE MOTION IS APPROVED, THE BOARD WILL CAUSE A NOTICE TO BE SENT TO MEMBERS REGARDING THE PROPOSED CHANGE (PROPOSAL). SUCH NOTICE SHALL INCLUDE THE PROPOSAL, A SUMMARY ON THE IMPACT OF THE PROPOSAL, AND HOW A MEMBER MAY OBJECT TO THE PROPOSAL. - ONCE THE NOTICE IS ISSUED, MEMBERS WILL HAVE UP TO THIRTY (30) CALENDAR DAYS TO OBJECT TO THE PROPOSAL. UNLESS TEN PERCENT (10%) OR MORE OF THE MEMBERS OBJECT, THE PROPOSAL WILL BE DEEMED ACCEPTED BY THE MEMBERS AND WILL BE IMPLEMENTED BY THE BOARD WITHIN NINETY (90) CALENDAR DAYS. - IF TEN PERCENT (10%) OR MORE OF THE MEMBERS OBJECT TO THE PROPOSAL, THE BOARD SHALL PRESENT THE PROPOSAL TO THE MEMBERSHIP FOR APPROVAL. - A NOTICE REQUESTING APPROVAL WILL BE SENT TO THE MEMBERS. THE NOTICE WILL INCLUDE THE PROPOSAL, A SUMMARY ON THE IMPACT OF THE PROPOSAL AND A VOTING BALLOT. - MEMBER'S BALLOTS MUST BE SUBMITTED TO THE BOARD SECRETARY WITHIN THIRTY (30) DAYS AFTER THE ISSUANCE OF THE NOTICE. - A MAJORITY VOTE OF THE MEMBERS VOTING, BY BALLOT, SHALL DETERMINE THE APPROVAL OR DENIAL OF THE PROPOSAL. THE BOARD SHALL CAUSE A NOTICE OF THE OUTCOME OF THE VOTE TO BE SENT TO MEMBERS WITHIN TEN (10) CALENDAR DAYS AFTER THE CONCLUSION OF THE VOTE. UNLESS RESTRICTED BY GOVERNMENT REGULATIONS THE BOARD SHALL ADOPT AND EXECUTE THE CHANGE WITHIN NINETY (90) CALENDAR DAYS. FORM 990, PART VI, SECTION B, LINE 11B FORM 990 REVIEW PROCEDURE: RELIANT UPON DOCUMENTS AND ANALYSIS PROVIDED BY THE ORGANIZATION'S CHIEF FINANCIAL OFFICER, THE FORM 990, INCLUDING ALL RELATED SCHEDULES, IS PREPARED BY THE PUBLIC ACCOUNTING FIRM UHY ADVISORS. IN CONJUNCTION WITH THE PREPARATION OF FORM 990 AND RELATED SCHEDULES THE PRESIDENT/CEO AS WELL AS GENERAL COUNSEL ARE ACTIVELY CALLED UPON IN PREPARING THEIR RESPONSES WHERE WARRANTED. IN ACCORDANCE WITH SECTION 6104, THE FORM 990 AND RELATED SCHEDULES ARE AVAILABLE FOR PUBLIC INSPECTION. FORM 990, PART VI, SECTION B, LINE 12C CONFLICT OF INTEREST POLICY PROCEDURES: THE ETHICS COMMITTEE, APPROVED BY THE BOARD OF DIRECTORS, REVIEWS AT LEAST ANNUALLY THE CONFLICT OF INTEREST POLICY AND DISCLOSURES. ANY QUESTIONS OR VIOLATIONS ARE REPORTED TO THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 15A COMPENSATION PROCEDURES: THE COMPENSATION PACKAGE OF THE PRESDIENT/CEO IS DETERMINED BY THE BOARD OF DIRECTORS AND IS BASED ON PERFORMANCE, ECONOMIC FACTORS, AND PEER COMPARISON. AN ANNUAL EMPLOYMENT CONTRACT IS SIGNED. THE COMPENSATION OF ALL OTHER EMPLOYEES, INCLUDING OFFICERS, IS ALSO BASED ON PERFORMANCE, ECONOMIC FACTORS, AND PEER COMPARISON AND IS APPROVED BY THE PRESIDENT/CEO. FORM 990, PART VI, SECTION C, LINE 19 AVAILABILITY TO PUBLIC OF GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS: THESE ARE PROVIDED ON REQUEST. FORM 990, PART XI, LINE 9: EQUITY IN SUBSIDIARY EARNINGS: OPERATIONS 486,183. CONSOLIDATED LEAGUE SERVICES INC PO BOX 15118 ALBANY NY 122125118 141749646 MANAGEMENT COMPANY NY NEW YORK CREDIT UNION ASSOCIATION INC C 4584978 21683945 1.00000 1 CUC SERVICES INC PO BOX 15118 ALBANY NY 122125118 132516417 SERVICE PROVIDER NY CONSOLIDATED LEAGUE SERVICES INC C 176450 1779590 1.00000 1 OWNERSCHOICE FUNDING INCORPORATED PO BOX 15118 ALBANY NY 122125118 141691162 SERVICE PROVIDER NY CONSOLIDATED LEAGUE SERVICES INC C 8789367 12428282 1.00000 1 CUC MANAGEMENT CORPORATION PO BOX 15118 ALBANY NY 122125118 141746457 PAYROLL NY CONSOLIDATED LEAGUE SERVICES INC C 7715788 5626 1.00000 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 CONSOLIDATED LEAGUE SERVICES INC O 800000 ACTUAL COST