Civic Intelligence

Five County Credit Union

EIN 01-0261795 • 501(c)14 • Bath, ME

Profile

Delivering relationship services with trusted solutions.

765 Washington StreetBath, ME 04530

www.fivecounty.com

Siviq Scores

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

Liabilities / Assets

72nd percentile

0.92x

Higher debt load relative to assets than 72% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Liabilities / Revenue

77th percentile

17.72x

Higher debt load relative to revenue than 77% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Net Margin

47th percentile

8.7%

Higher net margin than 47% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

69th percentile

5.2%

Faster asset growth than 69% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Revenue Growth

39th percentile

12%

Faster revenue growth than 39% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Assets

Up

$384,217,441

Up $26,051,810 (+7.3%) from 2023

Liabilities

Up

$348,487,099

Up $23,721,380 (+7.3%) from 2023

Net Assets

Up

$35,730,342

Up $2,330,430 (+7.0%) from 2023

Revenue

Up

$26,215,158

Up $2,616,470 (+11%) from 2023

Expenses

Up

$23,993,228

Up $3,441,387 (+17%) from 2023

Net Income

Down

$2,221,930

Down $824,917 (-27%) from 2023

Trend Graphs

Balance Sheet Trend

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

$400M$300M$200M$100M$0Assets 2010: $184,007,613Liabilities 2010: $169,847,162Net Assets 2010: $14,160,4512010Assets 2011: $194,190,382Liabilities 2011: $180,123,274Net Assets 2011: $14,067,1082011Assets 2012: $206,763,689Liabilities 2012: $191,491,080Net Assets 2012: $15,272,6092012Assets 2013: $211,221,587Liabilities 2013: $194,942,518Net Assets 2013: $16,279,0692013Assets 2014: $217,412,610Liabilities 2014: $200,350,069Net Assets 2014: $17,062,5412014Assets 2015: $224,008,302Liabilities 2015: $206,402,044Net Assets 2015: $17,606,2582015Assets 2016: $230,750,687Liabilities 2016: $211,505,023Net Assets 2016: $19,245,6642016Assets 2017: $243,225,384Liabilities 2017: $222,169,668Net Assets 2017: $21,055,7162017Assets 2018: $244,228,721Liabilities 2018: $220,930,458Net Assets 2018: $23,298,2632018Assets 2019: $261,463,831Liabilities 2019: $236,775,116Net Assets 2019: $24,688,7152019Assets 2020: $311,529,938Liabilities 2020: $285,497,450Net Assets 2020: $26,032,4882020Assets 2021: $349,962,070Liabilities 2021: $321,634,663Net Assets 2021: $28,327,4072021Assets 2022: $368,273,887Liabilities 2022: $337,279,899Net Assets 2022: $30,993,9882022Assets 2023: $358,165,631Liabilities 2023: $324,765,719Net Assets 2023: $33,399,9122023Assets 2024: $384,217,441Liabilities 2024: $348,487,099Net Assets 2024: $35,730,3422024

Highlighted filing

2024

Assets$384,217,441
Liabilities$348,487,099
Net Assets$35,730,342

Operations Trend

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

$30M$20M$10M$0Expenses 2010: $12,454,2312010Expenses 2011: $13,134,5902011Expenses 2012: $13,138,9172012Revenue 2013: $14,243,271Expenses 2013: $13,236,805Net Income 2013: $1,006,4662013Revenue 2014: $14,486,559Expenses 2014: $13,703,087Net Income 2014: $783,4722014Revenue 2015: $14,761,083Expenses 2015: $14,217,365Net Income 2015: $543,7182015Revenue 2016: $15,469,240Expenses 2016: $13,829,834Net Income 2016: $1,639,4062016Revenue 2017: $16,297,716Expenses 2017: $14,487,664Net Income 2017: $1,810,0522017Revenue 2018: $17,087,144Expenses 2018: $14,844,597Net Income 2018: $2,242,5472018Revenue 2019: $17,621,394Expenses 2019: $16,248,280Net Income 2019: $1,373,1142019Revenue 2020: $17,667,578Expenses 2020: $16,373,196Net Income 2020: $1,294,3822020Revenue 2021: $16,981,136Expenses 2021: $14,732,930Net Income 2021: $2,248,2062021Revenue 2022: $19,031,105Expenses 2022: $17,374,511Net Income 2022: $1,656,5942022Revenue 2023: $23,598,688Expenses 2023: $20,551,841Net Income 2023: $3,046,8472023Revenue 2024: $26,215,158Expenses 2024: $23,993,228Net Income 2024: $2,221,9302024

Highlighted filing

2024

Revenue$26,215,158
Expenses$23,993,228
Net Income$2,221,930

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$384$348$35.7$26.2$24.0$2.22
2023Detailed filing. Detailed filing data is available for this year.$358$325$33.4$23.6$20.6$3.05
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$368$337$31.0$19.0$17.4$1.66
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$350$322$28.3$17.0$14.7$2.25
2020Detailed filing. Detailed filing data is available for this year.$312$285$26.0$17.7$16.4$1.29
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$261$237$24.7$17.6$16.2$1.37
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$244$221$23.3$17.1$14.8$2.24
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$243$222$21.1$16.3$14.5$1.81
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$231$212$19.2$15.5$13.8$1.64
2015Detailed filing. Detailed filing data is available for this year.$224$206$17.6$14.8$14.2$0.54
2014Detailed filing. Detailed filing data is available for this year.$217$200$17.1$14.5$13.7$0.78
2013Detailed filing. Detailed filing data is available for this year.$211$195$16.3$14.2$13.2$1.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$207$191$15.3$13.1
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$194$180$14.1$13.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$184$170$14.2$12.5
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 8, 2025
Return Version
2024v5.1
Gross Receipts
$26,221,008
Mission and Program Overview

Mission

Delivering relationship services with trusted solutions.

Delivering true convenience through extended hours, modern & traditional banking services and trusted solutions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$263,852,296$288,464,898▲ $24,612,602
Savings and Temporary Cash Investments$55,483,600$55,223,374▼ $260,226
Rtn Earn Endowment Incm Other Fnds$33,399,912$35,730,342▲ $2,330,430
Land, Buildings, and Equipment, Net$10,294,296$10,050,769▼ $243,527
Investments Other Securities$6,738,298$6,797,851▲ $59,553
Cash and Non-Interest-Bearing Accounts$4,519,344$5,282,035▲ $762,691
Investments in Publicly Traded Securities$5,386,381$4,865,937▼ $520,444
Prepaid Expenses and Deferred Charges$869,975$1,171,607▲ $301,632
Receivables From Officers Etc$956,327$956,327→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$358,165,631$384,217,441▲ $26,051,810
Other Assets Total$10,065,114$11,404,643▲ $1,339,529
Liabilities
Other Liabilities$317,269,224$342,924,112▲ $25,654,888
Accounts Payable and Accrued Expenses$7,126,447$5,431,687▼ $1,694,760
Escrow Account Liability$370,048$131,300▼ $238,748
Total Liabilities$324,765,719$348,487,099▲ $23,721,380
Net Assets / Fund Balance
Total Net Assets Fund Balance$33,399,912$35,730,342▲ $2,330,430
Total Liabilities and Net Assets / Fund Balance$358,165,631$384,217,441▲ $26,051,810

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$7,118,496$4,448,349$11,566,845
Equipment$939,325$6,151,863$7,091,188
Land$1,989,763-$1,989,763
Leasehold Improvements$3,185$286,471$289,656
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Terri RyanSVP AdministrationFT$168,991$562,133$731,124
Julie a MarquisPresident & CEOFT$324,607$334,726$659,333
Kenneth H StockfordSVP Finance & Technology/cFT$166,149$180,207$346,356
Michael FoleySVP Support Services/CGOFT$159,662$160,126$319,788
Jennifer AndersenSVP Retail Services/COOFT$146,183$128,402$274,585
Lynn FarmerSVP Human ResourcesFT$147,940$69,330$217,270
Scott BuddeSVP Strategic DevelopmentFT$112,086$1,684$113,770

Board Members and Trustees

NameTitle
Robert BrewerChairman
Merlin SuggsVice Chairman
A BosicaDirector
Bruce WilsonDirector
Peter DecourcyDirector
Sam MayDirector
Mona FaulterSecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
SynergentService BureauPO BOX 1236, Portland, ME 04104$1,131,104
Diebold Nixdorf INCAtm/securityPO BOX 643543, Pittsburgh, PA 15264$257,688
Portland SafeCommunicationsPO BOX 11021, Lewiston, ME 04243$254,924
Alkami TechnologyElectronic BankingPO BOX 122223, Dallas, TX 75312$234,674
Strum AgencyRebranding2033 6TH AVE STE 600, Seattle, WA 98121$193,787
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$20,056,667
Investment Income
$2,556,966
Other Revenue
$3,601,525
Change in Net Assets
$2,221,930

Audited Revenue Reconciliation

Revenue per Audited Statements
$26,215,158
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$26,215,158
Total Revenue per Form 990
$26,215,158
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$12,582,000
Other Expenses$8,327,077
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$8,963,651
Benefits to Members---$3,084,151
Occupancy---$1,478,737
Other Employee Benefits---$1,106,124
Current Officers, Directors, Trustees, and Key Employees---$1,005,689
Depreciation Depletion---$789,923
Pension Plan Contributions---$774,038
Advertising---$739,919
Payroll Taxes---$732,498
Other Expenses---$690,938
Fees for Services Other---$564,082
Information Technology---$262,917
Fees for Services Accounting---$225,219
Travel---$218,922
Insurance---$157,233
Fees for Services Legal---$66,910
Interest---$1,634
Total Functional Expenses$0$0$0$23,993,228

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$23,993,228
Total Expenses per Audited Statements$23,993,228
Total Expenses per Form 990$23,993,228
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$9,409
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$956,327$956,327→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES & SAVINGS ACCOUNTS$341,175,815
Lease Obligations - Operating$1,748,297
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

Five county credit union offers membership to anyone who works, resides or worships in androscoggin, cumberland, franklin, kennebec, knox, lincoln, oxford, penobscot, piscataquis, sagadahoc, somerset, or waldo county. Membership is also available to employees of bath iron works, employees of five county federal credit union and relatives of all such employees.

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

Five county credit union members own the credit union. Members are entitled to elect, and be elected to the volunteer board of directors, which is composed of fellow members and sets policies for the operation of the credit union based on the needs and wishes of members. The board of directors sets dividend rates, loan interest rates, and fees among other things, and also determines credit union policy.

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

Upon completion of form 990, the governing body reviews the return before it is filed.

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

Compliance with the policy is reviewed annually by board of directors. The board of directors and management watch for instances of any conflict of interest at all times.

Form 990, Part VI, Section B, Line 15

Five county credit union uses compease salary administration program to determine compensation of the credit union's officers and key employees. Additionally, yearly compensation reviews are performed for all employees.

Form 990, Part VI, Section C, Line 19

Five county credit union's governing documents and conflict of interest policy are available to the public upon request. Financial statements are displayed in lobbies.

Filing and Contact Details

Filer

Filer Name
Five County Credit Union
EIN
01-0261795
Phone
2074433528
Address
765 WASHINGTON STREET, BATH, ME 04530

Signing Officer

Name
Julie a Marquis
Title
CEO & Treasurer
Phone
2074433528
Signed
2025-05-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Julie a Marquis
Formed
1956
Legal Domicile
Me
Voting Board Members
7
Independent Board Members
7
Employees
158
Volunteers
11

Preparer

Firm
Wipfli Llp
Address
30 LONG CREEK DRIVE, SOUTH PORTLAND, ME 04106-2437
Preparer
Julia Howland CPA
Phone
2077745701
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

Other comprehensive gain 108,500.

Financial Statement Notes

PART IV, LINE 2B:

Held back commercial loans. When funds are requested bls visits the property and approves or declines the funds.

PART X, LINE 2:

The credit union is exempt from federal and state income taxes under the provisions of the internal revenue code, except to the extent it has unrelated business income.

Raw XML AppendixShowing 400 of 603 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/ActivityOrMissionDesc0DELIVERING TRUE CONVENIENCE THROUGH EXTENDED HOURS, MODERN & TRADITIONAL BANKING SERVICES AND TRUSTED SOLUTIONS.
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IRS990/BenefitsToMembersGrp/TotalAmt03084151
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IRS990/Desc0FIVE COUNTY CREDIT UNION'S FIELD OF MEMBERSHIP INCLUDES PERSONS WHO LIVE OR WORK IN THE COUNTIES OF ANDROSCOGGIN, CUMBERLAND, LINCOLN, KENNEBEC, SAGADAHOC, WALDO, SOMERSET, AND KNOX, MAINE, ALL ACTIVE AND RETIRED EMPLOYEES OF BATH IRON WORKS, AND RELATIVES OF ELIGIBLE MEMBERS. THE CREDIT UNION'S PRIMARY ACTIVITY IS PROVIDING LOANS TO MEMBERS AND THEIR FAMILIES. AS OF 12/31/24, FIVE COUNTY CREDIT UNION SERVES 30,884 MEMBERS AND HAS TOTAL DEPOSITS OF $341,307,115. IN ADDITION, THE CREDIT UNION HAS 24,312 OUTSTANDING LOANS TO MEMBERS WITH A TOTAL BALANCE OF $289,749,883 AT 12/31/2024.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt760486
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt846132
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt941636
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1045427
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1128792
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1232184
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt131684
IRS990/Form990PartVIISectionAGrp/PersonNm0ROBERT BREWER
IRS990/Form990PartVIISectionAGrp/PersonNm1MERLIN SUGGS
IRS990/Form990PartVIISectionAGrp/PersonNm2MONA FAULTER
IRS990/Form990PartVIISectionAGrp/PersonNm3A BOSICA
IRS990/Form990PartVIISectionAGrp/PersonNm4PETER DECOURCY
IRS990/Form990PartVIISectionAGrp/PersonNm5SAM MAY
IRS990/Form990PartVIISectionAGrp/PersonNm6BRUCE WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm7JULIE A MARQUIS
IRS990/Form990PartVIISectionAGrp/PersonNm8KENNETH H STOCKFORD
IRS990/Form990PartVIISectionAGrp/PersonNm9TERRI RYAN
IRS990/Form990PartVIISectionAGrp/PersonNm10MICHAEL FOLEY
IRS990/Form990PartVIISectionAGrp/PersonNm11LYNN FARMER
IRS990/Form990PartVIISectionAGrp/PersonNm12JENNIFER ANDERSEN
IRS990/Form990PartVIISectionAGrp/PersonNm13SCOTT BUDDE
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7598847
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8300224
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9689488
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10274361
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11188478
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12242401
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13112086
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8SVP FINANCE & TECHNOLOGY/C
IRS990/Form990PartVIISectionAGrp/TitleTxt9SVP ADMINISTRATION
IRS990/Form990PartVIISectionAGrp/TitleTxt10SVP SUPPORT SERVICES/CGO
IRS990/Form990PartVIISectionAGrp/TitleTxt11SVP HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP RETAIL SERVICES/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP STRATEGIC DEVELOPMENT
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IRS990/Form990TFiledInd01
IRS990/FormationYr01956
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-5850
IRS990/GainOrLossGrp/SecuritiesAmt028384
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt028384
IRS990/GrossReceiptsAmt026221008
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt07
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0262917
IRS990/InsuranceGrp/TotalAmt0157233
IRS990/InterestGrp/TotalAmt01634
IRS990/InvestmentIncomeGrp/ExclusionAmt02534432
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02534432
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt06738298
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt06797851
IRS990/InvestmentsPubTradedSecGrp/BOYAmt05386381
IRS990/InvestmentsPubTradedSecGrp/EOYAmt04865937
IRS990/IRPDocumentCnt05378
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt010886683
IRS990/LandBldgEquipBasisNetGrp/BOYAmt010294296
IRS990/LandBldgEquipBasisNetGrp/EOYAmt010050769
IRS990/LandBldgEquipCostOrOtherBssAmt020937452
IRS990/LegalDomicileStateCd0ME
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt05850
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0DELIVERING TRUE CONVENIENCE THROUGH EXTENDED HOURS, MODERN & TRADITIONAL BANKING SERVICES AND TRUSTED SOLUTIONS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt033399912
IRS990/NetAssetsOrFundBalancesEOYAmt035730342
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt022534
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt022534
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01478737
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt010065114
IRS990/OtherAssetsTotalGrp/EOYAmt011404643
IRS990/OtherChangesInNetAssetsAmt0108500
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01106124
IRS990/OtherExpensesGrp/Desc0OTHER OPERATING EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt03130643
IRS990/OtherExpensesGrp/TotalAmt1690938
IRS990/OtherLiabilitiesGrp/BOYAmt0317269224
IRS990/OtherLiabilitiesGrp/EOYAmt0342924112
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/BusinessCd2524113
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS FEE INCOME
IRS990/OtherRevenueMiscGrp/Desc1ATM FEES
IRS990/OtherRevenueMiscGrp/Desc2INSURANCE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt03033648
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt130398
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt03033648
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1301867
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2266010
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0271469
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt1266010
IRS990/OtherRevenueTotalAmt03601525
IRS990/OtherSalariesAndWagesGrp/TotalAmt08963651
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0263852296
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0288464898
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0732498
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0774038
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0869975
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01171607
IRS990/PrincipalOfficerNm0JULIE A MARQUIS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER SERVICE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt016119723
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13936944
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt016119723
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13936944
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt01207541
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt03327791
IRS990/PYOtherExpensesAmt08210504
IRS990/PYOtherRevenueAmt03348991
IRS990/PYProgramServiceRevenueAmt016921906
IRS990/PYRevenuesLessExpensesAmt03046847
IRS990/PYSalariesCompEmpBnftPaidAmt011133796
IRS990/PYTotalExpensesAmt020551841
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt023598688
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0956327
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0956327
IRS990/ReconcilationRevenueExpnssAmt02221930
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt033399912
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt035730342
IRS990/SavingsAndTempCashInvstGrp/BOYAmt055483600
IRS990/SavingsAndTempCashInvstGrp/EOYAmt055223374
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/PoliticalExpendituresAmt09409
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0$5,829 OF THE DUES PAID BY FIVE COUNTY CREDIT UNION TO THE MAINE CREDIT UNION LEAGUE IN 2024 WERE USED TOWARDS LEGISLATION ACTION. $3,580 IN EXPENSES FOR PARTICIPATION IN GAC.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE 1:
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt07118496
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04448349
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt011566845
IRS990ScheduleD/EquipmentGrp/BookValueAmt0939325
IRS990ScheduleD/EquipmentGrp/DepreciationAmt06151863
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt07091188
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt023993228
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt01989763
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01989763
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt03185
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0286471
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0289656
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0341175815
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11748297
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES & SAVINGS ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1LEASE OBLIGATIONS - OPERATING
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt026215158
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0HELD BACK COMMERCIAL LOANS. WHEN FUNDS ARE REQUESTED BLS VISITS THE PROPERTY AND APPROVES OR DECLINES THE FUNDS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS EXEMPT FROM FEDERAL AND STATE INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE, EXCEPT TO THE EXTENT IT HAS UNRELATED BUSINESS INCOME.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt010050769
IRS990ScheduleD/TotalExpensesPerForm990Amt023993228
IRS990ScheduleD/TotalLiabilityAmt0342924112
IRS990ScheduleD/TotalRevenuePerForm990Amt026215158
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt026215158
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt023993228
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IdemnificationGrossUpPmtsInd0X
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0168991
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1324607
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2166149
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3159662
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4146183
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt5147940
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0506301
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount166180
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount238218
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount337948
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount437350

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