2026-08-13T10:45:49-05:00 2026-03-12 161148763 FIRLEY MORAN FREER & EASSA CPA PC 125 EAST JEFFERSON STREET SUITE 920 SYRACUSE NY 13202 990 2026-01-01 141407718 HUDSON RIVER COMMUNITY CREDIT UNION HUDS 5188863400 ONE THIRD STREET CORINTH NY 12822 SUSAN COMMANDA CEO 5188863400 2026-08-15 1 JAMES J CORCORAN CPA P00541593 3154727045 2026-08-13 2025 2025-03-06 01:10:19Z X CHARLES PASQUARELL ONE THIRD STREET CORINTH NY 12822 5833981 0 X WWW.HRCCU.ORG X STATE CHARTERED CREDIT UNION 1954 NY HRCCU PROVIDES UNIQUE, QUALITY FINANCIAL SERVICES TO IMPROVE THE FINANCIAL WELL-BEING OF MEMBERS AND THEIR FAMILIES BY PROVIDING QUALITY FINANCIAL SERVICES WITH THE BEST OVERALL VALUE. X 8 8 0 13 133705 16575 0 0 15008145 3795143 1211909 192417 5981648 1513319 22201702 5500879 92123 1868 0 0 8349957 1953535 0 0 0 11841182 2693085 20283262 4648488 1918440 852391 358544537 0 304943659 0 53600878 0 THE PURPOSE OF HUDSON RIVER COMMUNITY CREDIT UNION IS TO PROVIDE QUALITY SERVICES AND PROMOTE THE FINANCIAL WELL-BEING OF ITS MEMBERS AND THEIR FAMILIES. 0 0 THE CREDIT UNION PROVIDES LOW-COST FINANCIAL PRODUCTS AND SERVICES INCLUDING ONLINE-BANKING, ACCESS TO ATM'S AND AN AUDIO-RESPONSE SYSTEM. HRCCU OFFERS LOW INTEREST LOANS AND CREDIT CARDS. THE WIDE RANGE OF LOAN PRODUCTS AND INTEREST RATES ENABLE THE CREDIT UNION TO ACCOMODATE AS MANY MEMBER LOANS AS POSSIBLE. COMPETITIVE DIVIDEND RATES ARE PAID ON SAVINGS AND INVESTMENT ACCOUNTS. HRCCU PROVIDES A VARIETY OF PRODUCTS TO MEMBERS TO ACCOMPLISH ITS MISSION. 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 0 0 0 0 1 0 0 0 0 0 0 1 0 1 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 X 8 8 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 NY X KACIE KENYON CPA 5187414955 ONE THIRD STREET CORINTH NY 12822 CAROL ANN PACCO-LONG TREASURER & DIRECTOR 2.00 X X 0 0 0 CHARLES PASQUARELL PRESIDENT & DIRECTOR 2.00 X X 0 0 0 STUART FIELD DIRECTOR 2.00 X 0 0 0 DENISE WILLIAMS DIRECTOR 2.00 X 0 0 0 THOMAS UNCHER SECRETARY & DIRECTOR 2.00 X X 0 0 0 DINO ROSATI VICE PRESIDENT & DIRECTOR 2.00 X X 0 0 0 ALVEY HARRISON DIRECTOR 2.00 X 0 0 0 SUSAN COMMANDA CEO 40.00 X 83238 0 15456 LORRAINE MAROLA EVP 40.00 X 120395 0 18131 PAULA SHEELY CRO 40.00 X 50272 0 9491 ROBERT GERBER CIO 40.00 X 60642 0 11372 314547 0 54450 2 0 0 0 MUNTER 14 SOUTH HUNT ROAD AMESBURY MA 01913 FACILITIES 619136 COCC INC 100 EXECUTIVE BLVD SOUTHINGTON CT 064891040 DATA PROCESSING 320088 FISERV INC PO BOX 934057 ATLANTA GA 311934057 DATA PROCESSING 232979 LEE & MASON FINANCIAL SERVICES PO BOX 270 NORTHVILLE NY 12134 LENDING 160078 PNK TECHNOLOGY 426 NEW KARNER RD ALBANY NY 12205 DATA PROCESSING 144272 5 LOAN INTEREST RECEIVED 522100 3795143 3795143 3795143 508048 508048 17471 333102 -315631 -315631 -315631 FEE INCOME 522100 1437699 1437699 OTHER OPERATING INCOME 522100 60235 -67494 127729 NON-MEMBER ATM FEES 522100 15385 9409 5976 1513319 5500879 5174757 133705 192417 1868 314547 1194505 109462 221967 113054 34396 49986 93014 405143 126076 7101 2207 982179 130064 26494 STATE TAXES 779 OFFICE OPERATIONS 542482 PROVISION FOR LEASE/LOA 226276 LOAN SERVICING 40380 26508 4648488 2999277 0 48254138 0 0 0 3902420 0 0 277631340 0 0 0 0 0 9647592 0 0 1496868 0 0 0 14612902 0 358544537 0 3844790 0 1696775 0 299402094 0 304943659 0 X 53600878 0 53600878 0 358544537 0 X 852391 -22630 -54430639 X X 0 0 0 0 1 X 1358800 1358800 8244479 3080820 5163659 1148041 482820 665221 2108823 1289219 819604 2367175 2367175 10374459 PART IV, LINE 2B: HRCCU SERVICES MORTGAGE ESCROW ACCOUNTS FOR MEMBERS AND HAS THE AUTHORITY TO MAKE PAYMENTS FOR PROPERTY TAXES, HOMEOWNERS INSURANCE AND OTHER EXPENSES FROM THOSE ACCOUNTS. SUSAN COMMANDA CEO SPLIT DOLLAR LIFE INSURANCE X 2100000 2225793 0 1 1 LORRAINE MAROLA EVP SPLIT DOLLAR LIFE INSURANCE X 1550000 1691390 0 1 1 CHANGE TO FEDERAL CHARTERED STATUS SPLIT DOLLAR LIFE INSURANCE X -3650000 -3917183 0 1 1 ALL ASSETS TRANSFERRED TO THE NEW FEDERALLY CHARTERED CREDIT UNION. 2026-03-31 364830177 VALUE AT STATE CHARTERED CREDIT UNION. 141407718 HUDSON RIVER COMMUNITY FEDERAL CREDIT UNION ONE THIRD STREET CORINTH NY 12822 FEDERAL CU 1 1 0 0 0 1 1 0 0 PART I, LINE 2E: PERSON(S) INVOLVED: ALL DIRECTORS, EMPLOYEES, AND KEY EMPLOYEES PART I, LINE 2E: EXPLANATION OF INVOLVEMENT: ALL INDIVIDUALS ASSOCIATED WITH THE ORIGINAL ORGANIZATION HAVE BECOME PART OF THE NEW ORGANIZATION. FORM 990, PART VI, SECTION A, LINE 6 MEMBERS ARE THOSE WHO USE THE SERVICES OF THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 7A MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING WHEN VACANCIES OCCUR. FORM 990, PART VI, SECTION A, LINE 7B MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING WHEN VACANCIES OCCUR AND MAY APPROVE OTHER BUSINESS AS THE BOARD OF DIRECTORS DEEMS APPROPRIATE. PROXY VOTES ARE PROHIBITED AND ALL PRESENT MEMBERS HAVE ONE VOTE. MEMBERS MAY CALL A SPECIAL MEETING WITH WRITTEN REQUEST OF 10% OF THE MEMBERS. FORM 990, PART VI, SECTION B, LINE 11B PRIOR TO FILING, THE 990 IS REVIEWED BY THE CHIEF FINANCIAL OFFICER (CFO). FORM 990, PART VI, SECTION B, LINE 12C THE OFFICERS, DIRECTORS AND KEY EMPLOYEES REVIEW THE CONFLICT OF INTEREST POLICY AT LEAST ANNUALLY AND WILL BRING ITEMS TO THE BOARD IF CIRCUMSTANCES WARRANT IT. RMS AND HRCCU INSURANCE AGENCY HAVE SIMILAR POLICIES. FORM 990, PART VI, SECTION B, LINE 15 HRN MANAGEMENT SALARY RANGES ARE USED WHICH ARE BASED ON A VARIETY OF SURVEY DATA AND ARE UPDATED ANNUALLY. THE BOARD REVIEWS SALARY DATA ANNUALLY AS PART OF THE BUDGET PROCESS. THE BOARD SETS THE CEO'S SALARY AS A SEPARATE ITEM OUTSIDE OF THE SOFTWARE. THEY ALSO SET THE SALARY MATRIX USED IN THE ANNUAL INCREMENT FOR ALL STAFF IN THE BUDGET PROCESS AS WELL. THE SALARY POLICY DICTATES THE SOFTWARE COMPEASE AND SALARY REVIEW IS PERFORMED ANNUALLY ON ALL STAFF POSITIONS. FORM 990, PART VI, SECTION C, LINE 18 HRCCU WILL MAKE ITS 990 AVAILABLE UPON REQUEST. FORM 990, PART VI, SECTION C, LINE 19 HRCCU WILL MAKE THESE DOCUMENTS AVAILABLE UPON REQUEST. FORM 990, PART XI, LINE 9: ALL ASSETS TRANSFERRED TO THE NEW FEDERALLY CHARTERED CREDIT UNION. -54,430,639. FORM 990, PART XII, LINE 2C: NO CHANGES TO PROCESS RIVERSIDE MANAGED SERVICES LLC ONE THIRD STREET CORINTH NY 12822 831958517 CUSO NY 6387 242430 HUDSON RIVER COMMUNITY CREDIT UNION HRCCU INSURANCE AGENCY LLC ONE THIRD STREET CORINTH NY 12822 862305730 CUSO NY 81879 205081 HUDSON RIVER COMMUNITY CREDIT UNION