Civic Intelligence

Five County Credit Union

990 • Fiscal year 2010 • EIN 01-0261795

Jan 01, 2010 to Dec 31, 2010 • Filed on Oct 13, 2011

Organization ProfileWWW.FIVECOUNTY.COM

View Organization Page

765 Washington Street04530
Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

86th percentile

0.92x

Higher debt load relative to assets than 86% of similar nonprofits.

2010 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets86th percentile

Assets

$184,007,613

No earlier filing loaded for comparison.

Net Assets

$14,160,451

No earlier filing loaded for comparison.

Liabilities

$169,847,162

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$12,454,231

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$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

2010

Assets$184,007,613
Liabilities$169,847,162
Net Assets$14,160,451
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2010

Revenue-
Expenses$12,454,231
Net Income-
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
Oct 13, 2011
Return Version
2010v3.4
Gross Receipts
$13,285,504
Mission and Program Overview

Mission

Delivering relationship services with trusted solutions.

Filing and Contact Details

Filer

EIN
01-0261795
Raw XML AppendixShowing 400 of 453 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/Description0Five 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 12/31/10, Five County Credit Union serves 22,764 members and has total deposits of $158,733,450. Additionally, the Credit Union services 10,583 loans with a total value of $120,996,425 at 12/31/10.
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IRS990ScheduleC/Form990ScheduleCPartIV/Explanation0$2,829 of the dues Five County Credit Union paid to the Maine Credit Union League in 2010 went towards Legislative Action.
IRS990ScheduleC/Form990ScheduleCPartIV/Identifier0Part IV, Supplemental Information:
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IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation0Five County Credit Union's officers' and key employee compensation information is available upon request.
IRS990ScheduleJ/Form990ScheduleJPartIII/Identifier0Supplemental Information
IRS990ScheduleJ/Form990ScheduleJPartIII/ReturnReference0Part III
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson0Richard B Dupuis
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson1Julie A Marquis
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson2Kenneth H Stockford
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IRS990ScheduleO/GeneralExplanation/Explanation0Five County Credit Union offers membership eligibility to anyone who works, resides or worships in Androscoggin, Cumberland, Lincoln, Kennebec, Knox, Sagadahoc, Somerset or Waldo County. Eligibility is also available to employees of Bath Iron Works, employees of Five County Credit Union and relatives of existing members.
IRS990ScheduleO/GeneralExplanation/Explanation1Five 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 the members. The Board of Directors sets dividend rates, loan interest rates, and fees, among other things, and also determines credit union policy.
IRS990ScheduleO/GeneralExplanation/Explanation2Upon completion of Form 990 by the credit union's tax return preparers the governing body reviews the return before it is filed.
IRS990ScheduleO/GeneralExplanation/Explanation3Five 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.
IRS990ScheduleO/GeneralExplanation/Explanation4Five County Credit Union's governing documents, conflict of interest policy and financial statements are available to the public upon request.
IRS990ScheduleO/GeneralExplanation/Explanation5Officer and key employee compensation is available upon request.
IRS990ScheduleO/GeneralExplanation/Explanation6The process in place for oversight of the audit of the financial statements and selection of an independent accountant have not changed from prior year.
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Section B, line 11
IRS990ScheduleO/GeneralExplanation/Identifier3Oversight of Audit
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Section B, line 15
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section C, line 19
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VII
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part XI, Line 2c:
IRS990/ScheduleORequired01
IRS990ScheduleR/Form990ScheduleRPartI/AddressUS/AddressLine10765 Washington Street
IRS990ScheduleR/Form990ScheduleRPartI/AddressUS/City0Bath
IRS990ScheduleR/Form990ScheduleRPartI/AddressUS/State0ME
IRS990ScheduleR/Form990ScheduleRPartI/AddressUS/ZIPCode004530
IRS990ScheduleR/Form990ScheduleRPartI/DirectControllingEntityName/BusinessNameLine10Five County Credit Union
IRS990ScheduleR/Form990ScheduleRPartI/EIN0203634600
IRS990ScheduleR/Form990ScheduleRPartI/EOYAssets025
IRS990ScheduleR/Form990ScheduleRPartI/LegalDomicileState0ME
IRS990ScheduleR/Form990ScheduleRPartI/NameOfDisregardedEntity/BusinessNameLine10FiveCo Solutions LLC
IRS990ScheduleR/Form990ScheduleRPartI/PrimaryActivities0Info. Technology Consulting Services
IRS990ScheduleR/Form990ScheduleRPartI/TotalIncome00
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0ME
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10765 Washington St
IRS990/TheBooksAreInCareOf/AddressUS/City0Bath
IRS990/TheBooksAreInCareOf/AddressUS/State0ME
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode004530
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10Kenneth H Stockford
IRS990/TheBooksAreInCareOf/TelephoneNumber02074433528
IRS990/TotalAssets/BOY0177023352
IRS990/TotalAssetsBOY0177023352
IRS990/TotalAssets/EOY0184007613
IRS990/TotalAssetsEOY0184007613
IRS990/TotalCompGT150K01
IRS990/TotalExpensesCurrentYear012454231
IRS990/TotalExpensesPriorYear012916250
IRS990/TotalFunctionalExpenses/Total012454231
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI0280992
IRS990/TotalLiabilities/BOY0163694174
IRS990/TotalLiabilitiesBOY0163694174
IRS990/TotalLiabilities/EOY0169847162
IRS990/TotalLiabilitiesEOY0169847162

Document Assets

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Filings

Displayed year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$184,007,613
Liabilities
$169,847,162
Net assets
$14,160,451
Revenue
-
Expenses
$12,454,231
Net income
-
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