2022-11-11T09:54:58-06:00 2021-12-31 541149263 YOUNT HYDE & BARBOUR PC 8100 SANDPIPER CIR STE 308 BALTIMORE MD 21236 990 2021-01-01 520853115 HAR-CO CREDIT UNION HAR- 4108389090 30 N HICKORY AVENUE BEL AIR MD 21014 MALIA A DIERKEN CFO 4108389090 2022-10-21 1 MALIA DIERKEN 999009999 JOSEPH A MUSUMECI JR P00841270 4437255395 2022-10-21 3 AAL1 IAL1 2021 2022-09-23 18:48:47Z MALIA A DIERKEN 30 N HICKORY AVENUE BEL AIR MD 21014 7323964 0 X WWW.HARCOCU.ORG X 1955 MD STATE CHARTERED CREDIT UNION 8 8 69 0 358 0 0 0 7083866 7124521 243332 199443 0 0 7327198 7323964 0 0 0 0 3648436 3930545 0 0 0 3849909 3289309 7498345 7219854 -171147 104110 216009995 238720840 1407333 871889 214602662 237848951 TO PROVIDE A SOUND FINANCIAL INSTITUTION WITH EXCELLENT MEMBER SERVICE FOR OUR CREDIT UNION FAMILY. WE MAKE OUR MEMBERSHIP OUR FIRST CONSIDERATION IN EVERYTHING WE DO. 0 0 HAR-CO CREDIT UNION PROVIDES FINANCIAL SERVICES TO ITS 14,428 MEMBERS. 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 4535 0 1 69 1 0 0 0 0 0 0 0 0 X 8 8 0 0 0 0 1 1 0 1 1 0 1 1 0 1 1 1 0 1 1 1 0 X MALIA A DIERKEN 4108389090 30 N HICKORY AVENUE BEL AIR MD 21014 BLAISE SEDNEY CHAIRMAN 1.00 X 0 0 0 CHARLES WELLINGTON VICE CHAIRMAN 0.50 X 0 0 0 THORKILD PAABY JR SECRETARY 0.50 X 0 0 0 TERESA KNOX DIRECTOR 0.50 X 0 0 0 DEBRA RETTBERG DIRECTOR 0.50 X 0 0 0 JOHN CANTLIN DIRECTOR 0.50 X 0 0 0 LAWRENCE DUKES DIRECTOR 0.50 X 0 0 0 LAWRENCE SIGNORELLI DIRECTOR 0.50 X 0 0 0 MALIA DIERKEN EVP/CFO 40.00 X 128333 0 34979 ANGELA GREGORY SR. MORTGAGE OFFICER 40.00 X 158651 0 15848 GILBERT KENNEDY III PRESIDENT/CEO 40.00 X 183631 0 30641 MARK FREYER SVP/CHIEF COMPLIANCE OFFICER 40.00 X 128514 0 12958 JOHN SHROADS JR SVP/COO AND CCO 40.00 X 164514 0 15958 SHARON WILSON SVP/IT & OPERATIONS DIRECTOR 40.00 X 128468 0 23291 892111 0 133675 6 0 1 0 FISERV PO BOX 745148 ATLANTA GA 303745148 SYSTEM AND MOBILE BANKING PROVIDER 1051500 ONGOING OPERATIONS LLC PO BOX 45741 BALTIMORE MD 21202 COMPUTER SYSTEMS, FIREWALLS AND SERVER M 173803 JOHN HEAGY RRC 10921 YORK ROAD SUITE 1A HUNT VALLEY MD 21030 RENOVATION TO BUILDING 171126 ABERDEEN MARKETPLACE LLC 1016 BEARDS HILL ROAD ABERDEEN MD 21001 GROUND RENT/LEASE 116088 4 INTEREST ON LOANS 522100 5831691 5831691 OTHER SERVICES 525990 789513 789513 SHARE ACCOUNT SERVICE 525990 446537 446537 CREDIT INSURANCE 524298 43478 43478 ATM SERVICES 525990 13302 12944 358 7124521 199443 199443 7323964 7124163 358 199443 1025786 2462702 71552 109517 260988 57500 71024 109547 1333837 63790 445980 19962 304856 372740 52933 LENDING EXPENSES 250499 ATM EXPENSES 124212 MISCELLANEOUS 82429 7219854 19062169 27691339 32535406 45694835 805422 255504 132621301 122033803 370461 314330 7700261 4986482 2882790 2713779 24984000 37244000 2748446 2773250 216009995 238720840 1407333 871889 1407333 871889 X 195877423 219019602 0 0 18725239 18829349 214602662 237848951 216009995 238720840 X 104110 23142179 X X 0 1 X 1 0 519000 519000 5645329 3868486 1776843 1535932 1117996 417936 2713779 7323964 0 7323964 0 7323964 7219854 0 7219854 0 7219854 1 X X X X 0 0 0 GILBERT KENNEDY III PRESIDENT/CEO 183631 0 0 0 0 0 16369 0 14272 0 214272 0 0 0 JOHN SHROADS JR SVP/COO AND CCO 164514 0 0 0 0 0 2986 0 12972 0 180472 0 0 0 ANGELA GREGORY SR. MORTGAGE OFFICER 158651 0 0 0 0 0 3483 0 12365 0 174499 0 0 0 MALIA DIERKEN EVP/CFO 128333 0 0 0 0 0 22667 0 12312 0 163312 0 0 0 SHARON WILSON SVP/IT & OPERATIONS DIRECTOR 128468 0 0 0 0 0 12782 0 10509 0 151759 0 0 0 CHARLES WELLINGTON VICE CHAIRMAN CREDIT CARD AND HOME EQUITY X 71770 37553 0 1 1 TERESA KNOX DIRECTOR CREDIT CARD AND MORTGAGE X 297775 217842 0 1 1 BLAISE SEDNEY CHAIRMAN HOME EQUITY X 25000 109 0 1 1 255504 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION HAS 14,428 MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A CREDIT UNION MEMBERS ELECT THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 11B THE PRESIDENT AND CFO WILL REVIEW FORM 990 FOR ACCURACY. THE BOARD CHAIRMAN REVIEWS THE FINAL FORM 990 ON BEHALF OF THE BOARD. FORM 990, PART VI, SECTION B, LINE 12C THE CREDIT UNION REGULARLY MONITORS AND ENFORCES COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY. THE BOARD OF DIRECTORS AND THE SUPERVISORY COMMITTEE MEMBERS ARE REQUIRED TO SIGN ACKNOWLEDGEMENT FORMS ANNUALLY. FORM 990, PART VI, SECTION B, LINE 15 AN ONLINE EVALUATION OF THE PRESIDENT/CEO IS COMPLETED AND SUBMITTED THE THE BOARD OF DIRECTORS CHAIRMAN. EACH BOARD MEMBER ALSO COMPLETES AN EVALUATION, AND THEY ARE COMPILED. THE BOARD OF DIRECTORS THEN DECIDES THE SALARY OF THE PRESIDENT/CEO. THE PRESIDENT/CEO DETERMINES OTHER OFFICERS' COMPENSATION ANNUALLY AFTER AN ONLINE EVALUATION IS COMPLETED AND BASED UPON BOARD APPROVED BUDGET/GUIDELINES. FORM 990, PART VI, SECTION C, LINE 19 THE MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY OF ALL CREDIT UNION LOCATIONS. ANY CREDIT UNION VOLUNTEER OR STAFF MEMBER CAN ARRANGE FOR A MEMBER TO EXAMINE THE BY-LAWS OR BOARD MEETING MINUTES. FORM 990, PART XI, LINE 9: NET INCREASE IN MEMBERS' SHARE ACCOUNTS 23,142,179. FORM 990, PART XII, LINE 2C: THE SUPERVISORY COMMITTEE IS RESPONSIBLE FOR OVERSIGHT OF THE AUDIT OF THE FINANCIAL STATEMENTS AND SELECTION OF THE INDEPENDENT ACCOUNTANTS.