Civic Intelligence

Community Credit Union

990 • Fiscal year 2018 • EIN 01-0206603

Jan 01, 2018 to Dec 31, 2018 • Filed on May 10, 2019

Organization ProfileWWW.COMMUNITYCREDITUNION.COM

View Organization Page

144 Pine StreetLewiston, ME 04240

(207) 783-2096

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$58,667,089

Flat from 2018

Net Assets

Flat

$6,113,529

Flat from 2018

Liabilities

Flat

$52,553,560

Flat from 2018

Revenue And Expenses

Revenue

Flat

$3,889,078

Flat from 2018

Expenses

Flat

$3,674,906

Flat from 2018

Net Income

Flat

$214,172

Flat from 2018

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$150M$100M$50M$0Assets 2010: $44,627,744Liabilities 2010: $40,480,374Net Assets 2010: $4,147,3702010Assets 2011: $43,223,378Liabilities 2011: $38,793,335Net Assets 2011: $4,430,0432011Assets 2012: $43,093,977Liabilities 2012: $38,380,680Net Assets 2012: $4,713,2972012Assets 2013: $44,292,009Liabilities 2013: $39,312,657Net Assets 2013: $4,979,3522013Assets 2014: $44,788,554Liabilities 2014: $39,471,535Net Assets 2014: $5,317,0192014Assets 2015: $47,241,071Liabilities 2015: $41,815,659Net Assets 2015: $5,425,4122015Assets 2016: $50,674,532Liabilities 2016: $45,010,074Net Assets 2016: $5,664,4582016Assets 2017: $54,855,899Liabilities 2017: $48,956,542Net Assets 2017: $5,899,3572017Assets 2018: $58,667,089Liabilities 2018: $52,553,560Net Assets 2018: $6,113,5292018Assets 2018: $58,667,089Liabilities 2018: $52,553,560Net Assets 2018: $6,113,5292018Assets 2019: $63,352,838Liabilities 2019: $57,007,648Net Assets 2019: $6,345,1902019Assets 2020: $80,177,074Liabilities 2020: $73,533,499Net Assets 2020: $6,643,5752020Assets 2021: $89,168,246Liabilities 2021: $80,140,869Net Assets 2021: $9,027,3772021Assets 2022: $94,739,366Liabilities 2022: $84,631,886Net Assets 2022: $10,107,4802022Assets 2023: $99,902,525Liabilities 2023: $89,010,106Net Assets 2023: $10,892,4192023Assets 2024: $110,687,344Liabilities 2024: $99,401,257Net Assets 2024: $11,286,0872024

Highlighted filing

2018

Assets$58,667,089
Liabilities$52,553,560
Net Assets$6,113,529
Open 2018 Filing

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$10M$5.0M$0Expenses 2010: $3,028,3142010Revenue 2011: $2,982,872Expenses 2011: $2,766,201Net Income 2011: $216,6712011Expenses 2012: $2,670,4482012Revenue 2013: $2,931,829Expenses 2013: $2,735,811Net Income 2013: $196,0182013Revenue 2014: $3,035,571Expenses 2014: $2,768,017Net Income 2014: $267,5542014Revenue 2015: $3,015,388Expenses 2015: $2,948,813Net Income 2015: $66,5752015Revenue 2016: $3,220,647Expenses 2016: $3,018,602Net Income 2016: $202,0452016Revenue 2017: $3,558,144Expenses 2017: $3,323,245Net Income 2017: $234,8992017Revenue 2018: $3,889,078Expenses 2018: $3,674,906Net Income 2018: $214,1722018Revenue 2018: $3,889,078Expenses 2018: $3,674,906Net Income 2018: $214,1722018Revenue 2019: $4,143,288Expenses 2019: $3,911,627Net Income 2019: $231,6612019Revenue 2020: $4,212,007Expenses 2020: $3,913,622Net Income 2020: $298,3852020Revenue 2021: $6,619,474Expenses 2021: $4,235,672Net Income 2021: $2,383,8022021Revenue 2022: $6,012,945Expenses 2022: $4,932,842Net Income 2022: $1,080,1032022Revenue 2023: $7,357,116Expenses 2023: $6,572,177Net Income 2023: $784,9392023Revenue 2024: $9,121,890Expenses 2024: $8,275,831Net Income 2024: $846,0592024

Highlighted filing

2018

Revenue$3,889,078
Expenses$3,674,906
Net Income$214,172
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 10, 2019
Return Version
2018v3.1
Gross Receipts
$3,889,078
Mission and Program Overview

Mission

Community credit union is a member owned organization whose purpose is to provide convenient, quality, personalized service while maintaining financial stability.

To provide financial services to it's members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$41,681,719$45,275,513▲ $3,593,794
Investments Other Securities$6,348,915$6,641,415▲ $292,500
Rtn Earn Endowment Incm Other Fnds$3,319,096$3,533,268▲ $214,172
Cash and Non-Interest-Bearing Accounts$3,736,085$3,251,276▼ $484,809
Pd in Cap Srpls Land Bldg Eqp Fund$2,580,261$2,580,261→ $0
Land, Buildings, and Equipment, Net$2,208,518$2,529,452▲ $320,934
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$54,855,899$58,667,089▲ $3,811,190
Other Assets Total$880,662$969,433▲ $88,771
Liabilities
Other Liabilities$48,822,989$52,397,377▲ $3,574,388
Accounts Payable and Accrued Expenses$133,553$156,183▲ $22,630
Total Liabilities$48,956,542$52,553,560▲ $3,597,018
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,899,357$6,113,529▲ $214,172
Total Liabilities and Net Assets / Fund Balance$54,855,899$58,667,089▲ $3,811,190

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,651,050$854,374$2,505,424
Equipment$476,828$639,671$1,116,499
Land$397,986-$397,986
Other Land Buildings$3,588$64,205$67,793
Other Securities$55,500--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jennifer M HoganPresident/CEOFT$104,737$6,401$111,138

Board Members and Trustees

NameTitle
Marcel GagneChair
Elizabeth KeeneVice Chair
Alfreda FournierDirector
Austin AlbertDirector
Barbara HardisonDirector
Kate AdamsClerk/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,889,078
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$214,172

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,889,078
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$3,889,078
Total Revenue per Form 990
$3,889,078
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,100,335
Salaries, Compensation, and Employee Benefits$1,574,571
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,158,739
Occupancy---$430,676
All Other Expenses---$207,220
Other Employee Benefits---$202,687
Other Expenses---$137,600
Current Officers, Directors, Trustees, and Key Employees---$111,138
Payroll Taxes---$102,007
Total Functional Expenses$0$0$0$3,674,906

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,674,906
Total Expenses per Audited Statements$3,674,906
Total Expenses per Form 990$3,674,906
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
Member Shares and Savings Accounts$52,397,377
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, line 6

“The organization is a credit union which is owned by its members”

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

“The members of the credit union may elect the members of the governing body (board of directors)”

Form 990, Part VI, Section A, line 7B

“Some decisions made by the governing body (board of directors) may need approval by the credit union's members. Examples are a name change, merger and change from state to federal charter. Some of these examples are part of title 9b of the bureau of financial institutions and part of the organizations bylaws.”

Form 990, Part VI, Section A, line 8B

“The supervisory committee does keep minutes to their meetings but does not have the authority to act on behalf of the governing body (board of directors)”

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

“The governing body (board of directors) has given the authority of approving the form 990 to its ceo.”

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

“The credit union reviews conflicts of interest on an annual basis”

Form 990, Part VI, Section B, line 15A

“The credit union uses comp-ease to determine salary ranges for all employees. Final approval is delegated to the executive committee of the board of directors.”

Form 990, Part VI, Section C, line 19

“Documents are made available upon request”

Filing and Contact Details

Filer

Filer Name
Community Credit Union
EIN
01-0206603
Phone
2077832096
Address
144 PINE STREET, LEWISTON, ME 04240

Signing Officer

Name
Jennifer Hogan
Title
President/CEO
Phone
2077830296
Signed
2019-05-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jennifer Hogan
Formed
1945
Legal Domicile
Me
Voting Board Members
7
Independent Board Members
7
Employees
46
Volunteers
0

Preparer

Firm
Ouellette & Associates Pa
Address
1111 LISBON STREET, LEWISTON, ME 04240
Preparer
Michael R Dunn CPA
Phone
2077860328
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C:

“The process has not changed from the prior year.”

Financial Statement Notes

Part X, Line 2:

“Management has determined that the credit union does not have any uncertain tax positions and associated unrecognized benefits that materially impact the financial statements or related disclosures. Since tax matters are subject to some degree of uncertainty, there can be no assurance that the credit union's tax returns will not be challenged by the taxing authorities. Generally, the credit union's tax returns remain open for three years for federal income tax examination.”

Raw XML Appendix368 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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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MANAGEMENT HAS DETERMINED THAT THE CREDIT UNION DOES NOT HAVE ANY UNCERTAIN TAX POSITIONS AND ASSOCIATED UNRECOGNIZED BENEFITS THAT MATERIALLY IMPACT THE FINANCIAL STATEMENTS OR RELATED DISCLOSURES. SINCE TAX MATTERS ARE SUBJECT TO SOME DEGREE OF UNCERTAINTY, THERE CAN BE NO ASSURANCE THAT THE CREDIT UNION'S TAX RETURNS WILL NOT BE CHALLENGED BY THE TAXING AUTHORITIES. GENERALLY, THE CREDIT UNION'S TAX RETURNS REMAIN OPEN FOR THREE YEARS FOR FEDERAL INCOME TAX EXAMINATION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X, Line 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02529452
IRS990ScheduleD/TotalBookValueSecuritiesAmt06641415
IRS990ScheduleD/TotalExpensesPerForm990Amt03674906
IRS990ScheduleD/TotalLiabilityAmt052397377
IRS990ScheduleD/TotalRevenuePerForm990Amt03889078
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03889078
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03674906
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS A CREDIT UNION WHICH IS OWNED BY ITS MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS OF THE CREDIT UNION MAY ELECT THE MEMBERS OF THE GOVERNING BODY (BOARD OF DIRECTORS)
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2SOME DECISIONS MADE BY THE GOVERNING BODY (BOARD OF DIRECTORS) MAY NEED APPROVAL BY THE CREDIT UNION'S MEMBERS. EXAMPLES ARE A NAME CHANGE, MERGER AND CHANGE FROM STATE TO FEDERAL CHARTER. SOME OF THESE EXAMPLES ARE PART OF TITLE 9B OF THE BUREAU OF FINANCIAL INSTITUTIONS AND PART OF THE ORGANIZATIONS BYLAWS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE SUPERVISORY COMMITTEE DOES KEEP MINUTES TO THEIR MEETINGS BUT DOES NOT HAVE THE AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY (BOARD OF DIRECTORS)
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE GOVERNING BODY (BOARD OF DIRECTORS) HAS GIVEN THE AUTHORITY OF APPROVING THE FORM 990 TO ITS CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION REVIEWS CONFLICTS OF INTEREST ON AN ANNUAL BASIS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION USES COMP-EASE TO DETERMINE SALARY RANGES FOR ALL EMPLOYEES. FINAL APPROVAL IS DELEGATED TO THE EXECUTIVE COMMITTEE OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7DOCUMENTS ARE MADE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.
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 A, line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part XII, Line 2c:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt054855899
IRS990/TotalAssetsEOYAmt058667089
IRS990/TotalAssetsGrp/BOYAmt054855899
IRS990/TotalAssetsGrp/EOYAmt058667089
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt046
IRS990/TotalFunctionalExpensesGrp/TotalAmt03674906
IRS990/TotalGrossUBIAmt058894
IRS990/TotalLiabilitiesBOYAmt048956542
IRS990/TotalLiabilitiesEOYAmt052553560
IRS990/TotalLiabilitiesGrp/BOYAmt048956542
IRS990/TotalLiabilitiesGrp/EOYAmt052553560
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05899357
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06113529
IRS990/TotalOtherCompensationAmt06401
IRS990/TotalProgramServiceExpensesAmt03634565
IRS990/TotalProgramServiceRevenueAmt03889078
IRS990/TotalReportableCompFromOrgAmt0104737
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03830184
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03889078
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt058894
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt054855899
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt058667089
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0144 PINE STREET
IRS990/USAddress/CityNm0LEWISTON
IRS990/USAddress/StateAbbreviationCd0ME
IRS990/USAddress/ZIPCd004240
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.COMMUNITYCREDITUNION.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JENNIFER HOGAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02077830296
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-05-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0010206603
ReturnHeader/Filer/PhoneNum02077832096
ReturnHeader/Filer/USAddress/AddressLine1Txt0144 PINE STREET
ReturnHeader/Filer/USAddress/CityNm0LEWISTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0ME
ReturnHeader/Filer/USAddress/ZIPCd004240
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0DA39A3EE5E6B4B0D3255BFEF95601890AFD80709
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0BEA42A9E185F697EC61B6BB0F7A23B5CA1CD933A
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt066.231.208.22
ReturnHeader/FilingSecurityInformation/IPDt02019-05-10
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ED
ReturnHeader/FilingSecurityInformation/IPTm015:00:57
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0010448675
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0OUELLETTE & ASSOCIATES PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01111 LISBON STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LEWISTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0ME
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd004240
ReturnHeader/PreparerPersonGrp/PhoneNum02077860328
ReturnHeader/PreparerPersonGrp/PreparationDt02019-05-10
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL R DUNN CPA
ReturnHeader/ReturnTs02019-05-13T14:32:44-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$58,667,089
Liabilities
$52,553,560
Net assets
$6,113,529
Revenue
$3,889,078
Expenses
$3,674,906
Net income
$214,172
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$111$99.4$11.3$9.12$8.28$0.85
2023Detailed filing. Detailed filing data is available for this year.$99.9$89.0$10.9$7.36$6.57$0.78
2022Detailed filing. Detailed filing data is available for this year.$94.7$84.6$10.1$6.01$4.93$1.08
2021Detailed filing. Detailed filing data is available for this year.$89.2$80.1$9.03$6.62$4.24$2.38
2020Detailed filing. Detailed filing data is available for this year.$80.2$73.5$6.64$4.21$3.91$0.30
2019Detailed filing. Detailed filing data is available for this year.$63.4$57.0$6.35$4.14$3.91$0.23
2018Detailed filing. Detailed filing data is available for this year.$58.7$52.6$6.11$3.89$3.67$0.21
2018Detailed filing. Detailed filing data is available for this year.$58.7$52.6$6.11$3.89$3.67$0.21
2017Detailed filing. Detailed filing data is available for this year.$54.9$49.0$5.90$3.56$3.32$0.23
2016Detailed filing. Detailed filing data is available for this year.$50.7$45.0$5.66$3.22$3.02$0.20
2015Detailed filing. Detailed filing data is available for this year.$47.2$41.8$5.43$3.02$2.95$0.07
2014Detailed filing. Detailed filing data is available for this year.$44.8$39.5$5.32$3.04$2.77$0.27
2013Detailed filing. Detailed filing data is available for this year.$44.3$39.3$4.98$2.93$2.74$0.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.1$38.4$4.71$2.67
2011Summary only. Only limited summary data is available for this year.$43.2$38.8$4.43$2.98$2.77$0.22
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.6$40.5$4.15$3.03