Civic Intelligence

Saco Valley Credit Union

EIN 01-0203515 • 501(c)14 • Saco, ME

View Organization Page

Profile

Provide members with savings and loan services.

PO Box 740 312 Main StSaco, ME 04072

www.sacovalley.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

56th percentile

0.90x

Higher debt load relative to assets than 56% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

63rd percentile

17.01x

Higher debt load relative to revenue than 63% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

57th percentile

13%

Higher net margin than 57% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

66th percentile

4.6%

Faster asset growth than 66% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2024

Revenue Growth

79th percentile

24%

Faster revenue growth than 79% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets56th percentile

Assets

Up

$182,747,094

Up $11,326,603 (+6.6%) from 2023

Liabilities

Up

$164,185,294

Up $10,029,066 (+6.5%) from 2023

Net Assets

Up

$18,561,800

Up $1,297,537 (+7.5%) from 2023

Operations
Liabilities / Revenue63rd percentileNet Margin57th percentile

Revenue

Up

$9,653,436

Up $1,501,922 (+18%) from 2023

Expenses

Up

$8,355,899

Up $1,746,682 (+26%) from 2023

Net Income

Down

$1,297,537

Down $244,760 (-16%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth66th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200M$150M$100M$50M$0Assets 2010: $84,649,017Liabilities 2010: $77,337,447Net Assets 2010: $7,311,5702010Assets 2011: $88,481,543Liabilities 2011: $80,867,313Net Assets 2011: $7,614,2302011Assets 2012: $96,418,516Liabilities 2012: $88,398,685Net Assets 2012: $8,019,8312012Assets 2013: $96,719,702Liabilities 2013: $87,891,889Net Assets 2013: $8,827,8132013Assets 2014: $98,942,425Liabilities 2014: $89,363,042Net Assets 2014: $9,579,3832014Assets 2015: $104,061,193Liabilities 2015: $93,774,481Net Assets 2015: $10,286,7122015Assets 2016: $108,734,851Liabilities 2016: $97,675,566Net Assets 2016: $11,059,2852016Assets 2017: $113,278,984Liabilities 2017: $101,475,871Net Assets 2017: $11,803,1132017Assets 2018: $118,059,718Liabilities 2018: $105,318,854Net Assets 2018: $12,740,8642018Assets 2019: $128,364,010Liabilities 2019: $114,647,549Net Assets 2019: $13,716,4612019Assets 2020: $144,340,540Liabilities 2020: $130,130,376Net Assets 2020: $14,210,1642020Assets 2021: $163,723,218Liabilities 2021: $148,978,342Net Assets 2021: $14,744,8762021Assets 2022: $167,112,274Liabilities 2022: $151,390,308Net Assets 2022: $15,721,9662022Assets 2023: $171,420,491Liabilities 2023: $154,156,228Net Assets 2023: $17,264,2632023Assets 2024: $182,747,094Liabilities 2024: $164,185,294Net Assets 2024: $18,561,8002024

Highlighted filing

2024

Assets$182,747,094
Liabilities$164,185,294
Net Assets$18,561,800
Open 2024 Filing

Operations Trend

Revenue Growth79th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$10M$5.0M$0Expenses 2010: $4,329,8032010Revenue 2011: $4,789,091Expenses 2011: $4,356,186Net Income 2011: $432,9052011Expenses 2012: $4,189,7052012Revenue 2013: $4,527,006Expenses 2013: $3,884,995Net Income 2013: $642,0112013Revenue 2014: $4,594,599Expenses 2014: $3,636,389Net Income 2014: $958,2102014Revenue 2015: $4,536,416Expenses 2015: $3,740,837Net Income 2015: $795,5792015Revenue 2016: $4,624,483Expenses 2016: $3,912,310Net Income 2016: $712,1732016Revenue 2017: $4,774,250Expenses 2017: $4,048,549Net Income 2017: $725,7012017Revenue 2018: $5,273,568Expenses 2018: $4,292,149Net Income 2018: $981,4192018Revenue 2019: $5,720,779Expenses 2019: $4,686,405Net Income 2019: $1,034,3742019Revenue 2020: $4,992,918Expenses 2020: $4,886,350Net Income 2020: $106,5682020Revenue 2021: $5,439,528Expenses 2021: $4,904,816Net Income 2021: $534,7122021Revenue 2022: $6,289,921Expenses 2022: $5,312,831Net Income 2022: $977,0902022Revenue 2023: $8,151,514Expenses 2023: $6,609,217Net Income 2023: $1,542,2972023Revenue 2024: $9,653,436Expenses 2024: $8,355,899Net Income 2024: $1,297,5372024

Highlighted filing

2024

Revenue$9,653,436
Expenses$8,355,899
Net Income$1,297,537
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$182,747,094
Liabilities
$164,185,294
Net assets
$18,561,800
Revenue
$9,653,436
Expenses
$8,355,899
Net income
$1,297,537
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$183$164$18.6$9.65$8.36$1.30
2023Detailed filing. Detailed filing data is available for this year.$171$154$17.3$8.15$6.61$1.54
2022Detailed filing. Detailed filing data is available for this year.$167$151$15.7$6.29$5.31$0.98
2021Detailed filing. Detailed filing data is available for this year.$164$149$14.7$5.44$4.90$0.53
2020Detailed filing. Detailed filing data is available for this year.$144$130$14.2$4.99$4.89$0.11
2019Detailed filing. Detailed filing data is available for this year.$128$115$13.7$5.72$4.69$1.03
2018Detailed filing. Detailed filing data is available for this year.$118$105$12.7$5.27$4.29$0.98
2017Detailed filing. Detailed filing data is available for this year.$113$101$11.8$4.77$4.05$0.73
2016Detailed filing. Detailed filing data is available for this year.$109$97.7$11.1$4.62$3.91$0.71
2015Detailed filing. Detailed filing data is available for this year.$104$93.8$10.3$4.54$3.74$0.80
2014Detailed filing. Detailed filing data is available for this year.$98.9$89.4$9.58$4.59$3.64$0.96
2013Detailed filing. Detailed filing data is available for this year.$96.7$87.9$8.83$4.53$3.88$0.64
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$96.4$88.4$8.02$4.19
2011Summary only. Only limited summary data is available for this year.$88.5$80.9$7.61$4.79$4.36$0.43
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$84.6$77.3$7.31$4.33
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 28, 2025
Return Version
2024v5.2
Gross Receipts
$9,653,436
Mission and Program Overview

Mission

Provide members with savings and loan services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$145,105,411$150,447,818▲ $5,342,407
Rtn Earn Endowment Incm Other Fnds$17,264,263$18,561,800▲ $1,297,537
Savings and Temporary Cash Investments$11,545,000$13,740,000▲ $2,195,000
Cash and Non-Interest-Bearing Accounts$7,597,776$11,287,555▲ $3,689,779
Land, Buildings, and Equipment, Net$4,359,178$4,338,092▼ $21,086
Investments Other Securities$524,951$545,849▲ $20,898
Prepaid Expenses and Deferred Charges$153,188$210,877▲ $57,689
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$171,420,491$182,747,094▲ $11,326,603
Other Assets Total$2,134,987$2,176,903▲ $41,916
Liabilities
Other Liabilities$154,009,836$163,957,786▲ $9,947,950
Accounts Payable and Accrued Expenses$146,392$227,508▲ $81,116
Total Liabilities$154,156,228$164,185,294▲ $10,029,066
Net Assets / Fund Balance
Total Net Assets Fund Balance$17,264,263$18,561,800▲ $1,297,537
Total Liabilities and Net Assets / Fund Balance$171,420,491$182,747,094▲ $11,326,603

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,971,045$2,322,585$5,293,630
Equipment$476,830$1,003,945$1,480,775
Land$890,217-$890,217
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kevin PartridgePresident/CEOFT$247,994$64,821$312,815
Benjamin GosselinChief Financial OfficerFT$129,034$35,697$164,731
Sean ReadyChief Lending OfficerFT$123,142$13,673$136,815
Amy IrishVP of Marketing and Digital ServicesFT$110,666$13,553$124,219

Board Members and Trustees

NameTitle
Timothy NelsonBoard Chairperson
Aaron CaseDirector
Robert DentonDirector
Roberta ManningDirector
Royal SmithDirector
Ed PolitoSecretary
Paul GosselinTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
SynergentProvider Of Core Banking Software2 LEDGEVIEW DRIVE, Westbrook, ME 04092$568,862
Systems EngineeringIt Support Services120 EXCHANGE STREET, Portland, ME 04101$227,863
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,268,177
Investment Income
$1,138,808
Other Revenue
$1,246,451
Change in Net Assets
$1,297,537

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,653,436
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$9,653,436
Total Revenue per Form 990
$9,653,436
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,748,637
Other Expenses$2,476,788
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$3,130,474
Other Salaries and Wages---$1,823,971
Information Technology---$966,443
Current Officers, Directors, Trustees, and Key Employees---$477,546
Office Expenses---$452,620
Other Employee Benefits---$327,211
Occupancy---$300,435
Advertising---$222,519
Fees for Services Other---$133,593
Pension Plan Contributions---$119,909
Travel---$47,417
Other Expenses---$30,000
All Other Expenses---$24,255
Total Functional Expenses$0$0$0$8,355,899

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$8,355,899
Total Expenses per Audited Statements$8,355,899
Total Expenses per Form 990$8,355,899
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Shares & Savings Acc$163,957,786
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has 9,129 members as of 12/31/2024.”

Form 990, Part VI, Section A, Line 7A

“A nominating committee works on establishing board members. The nominations are brought to the membership at the annual meeting, where they are voted on at that time.”

Form 990, Part VI, Section B, Line 11B

“Form 990 is reviewed by senior management.”

Form 990, Part VI, Section B, Line 12C

“A review is performed annually to ensure compliance.”

Form 990, Part VI, Section B, Line 15

“A review is done annually of the ceo and top management by the board of directors. The review of other officers and key employees is done by the ceo.”

Form 990, Part VI, Section C, Line 19

“Documents are available upon request. Financial statements are posted in the lobby of each office.”

Filing and Contact Details

Filer

Filer Name
Saco Valley Credit Union
EIN
01-0203515
Phone
2072826169
Address
PO BOX 740 312 MAIN ST, SACO, ME 04072

Signing Officer

Name
Kevin Partridge
Title
President
Phone
2072826169
Signed
2025-07-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kevin Partridge
Formed
1947
Legal Domicile
Me
Voting Board Members
7
Independent Board Members
7
Employees
41
Volunteers
7

Preparer

Firm
Wipfli Llp
Address
30 LONG CREEK DRIVE, SOUTH PORTLAND, ME 04106-2437
Preparer
Julia Howland CPA
Phone
2077745701
Raw XML AppendixShowing 400 of 433 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP OF MARKETING AND DIGITAL SERVICES
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IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0966443
IRS990/InvestmentIncomeGrp/ExclusionAmt01138808
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01138808
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0524951
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0545849
IRS990/IRPDocumentCnt02679
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03326530
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04359178
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04338092
IRS990/LandBldgEquipCostOrOtherBssAmt07664622
IRS990/LegalDomicileStateCd0ME
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt014361
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt014361
IRS990/MissionDesc0PROVIDE MEMBERS WITH SAVINGS AND LOAN SERVICES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt017264263
IRS990/NetAssetsOrFundBalancesEOYAmt018561800
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0300435
IRS990/OfficeExpensesGrp/TotalAmt0452620
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02134987
IRS990/OtherAssetsTotalGrp/EOYAmt02176903
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0327211
IRS990/OtherExpensesGrp/Desc0VISA EXPENSE
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc2OPERATING FEES
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN & LE
IRS990/OtherExpensesGrp/TotalAmt0144924
IRS990/OtherExpensesGrp/TotalAmt1121082
IRS990/OtherExpensesGrp/TotalAmt233500
IRS990/OtherExpensesGrp/TotalAmt330000
IRS990/OtherLiabilitiesGrp/BOYAmt0154009836
IRS990/OtherLiabilitiesGrp/EOYAmt0163957786
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0NON-MEMBER ATM FEES
IRS990/OtherRevenueMiscGrp/Desc1FEE AND SERVICE INCOME
IRS990/OtherRevenueMiscGrp/Desc2OTHER INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0742530
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1324691
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2155561
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0751838
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1324691
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2155561
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt09308
IRS990/OtherRevenueTotalAmt01246451
IRS990/OtherSalariesAndWagesGrp/TotalAmt01823971
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0145105411
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0150447818
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0119909
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0153188
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0210877
IRS990/PrincipalOfficerNm0KEVIN PARTRIDGE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt07268177
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt07268177
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt01850381
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0857413
IRS990/PYOtherExpensesAmt02454955
IRS990/PYOtherRevenueAmt01197433
IRS990/PYProgramServiceRevenueAmt06096668
IRS990/PYRevenuesLessExpensesAmt01542297
IRS990/PYSalariesCompEmpBnftPaidAmt02303881
IRS990/PYTotalExpensesAmt06609217
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08151514
IRS990/ReconcilationRevenueExpnssAmt01297537
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt017264263
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt018561800
IRS990/SavingsAndTempCashInvstGrp/BOYAmt011545000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013740000
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02971045
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02322585
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05293630
IRS990ScheduleD/EquipmentGrp/BookValueAmt0476830
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01003945
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01480775
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt08355899
IRS990ScheduleD/LandGrp/BookValueAmt0890217
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0890217
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0163957786
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES & SAVINGS ACC
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt09653436
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04338092
IRS990ScheduleD/TotalExpensesPerForm990Amt08355899
IRS990ScheduleD/TotalLiabilityAmt0163957786
IRS990ScheduleD/TotalRevenuePerForm990Amt09653436
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt09653436
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt08355899
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0247994
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1129034
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount013000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount17300
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt09702
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt15231
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt042119
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt123166
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KEVIN PARTRIDGE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1BENJAMIN GOSSELIN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CHIEF FINANCIAL OFFICER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0312815
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1164731
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS 9,129 MEMBERS AS OF 12/31/2024.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A NOMINATING COMMITTEE WORKS ON ESTABLISHING BOARD MEMBERS. THE NOMINATIONS ARE BROUGHT TO THE MEMBERSHIP AT THE ANNUAL MEETING, WHERE THEY ARE VOTED ON AT THAT TIME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FORM 990 IS REVIEWED BY SENIOR MANAGEMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A REVIEW IS PERFORMED ANNUALLY TO ENSURE COMPLIANCE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A REVIEW IS DONE ANNUALLY OF THE CEO AND TOP MANAGEMENT BY THE BOARD OF DIRECTORS. THE REVIEW OF OTHER OFFICERS AND KEY EMPLOYEES IS DONE BY THE CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DOCUMENTS ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY OF EACH OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0171420491
IRS990/TotalAssetsEOYAmt0182747094
IRS990/TotalAssetsGrp/BOYAmt0171420491
IRS990/TotalAssetsGrp/EOYAmt0182747094
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt041
IRS990/TotalFunctionalExpensesGrp/TotalAmt08355899
IRS990/TotalGrossUBIAmt023669
IRS990/TotalLiabilitiesBOYAmt0154156228
IRS990/TotalLiabilitiesEOYAmt0164185294
IRS990/TotalLiabilitiesGrp/BOYAmt0154156228
IRS990/TotalLiabilitiesGrp/EOYAmt0164185294
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt017264263
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt018561800
IRS990/TotalOtherCompensationAmt0107444
IRS990/TotalProgramServiceRevenueAmt07268177
IRS990/TotalReportableCompFromOrgAmt0631136
IRS990/TotalRevenueGrp/ExclusionAmt01138808
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt08490959
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt09653436
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt023669
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0171420491
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0182747094
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt047417
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 740 312 MAIN ST
IRS990/USAddress/CityNm0SACO
IRS990/USAddress/StateAbbreviationCd0ME
IRS990/USAddress/ZIPCd004072

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