Civic Intelligence

Five County Credit Union

990 • Fiscal year 2014 • EIN 01-0261795

Jan 01, 2014 to Dec 31, 2014 • Filed on May 07, 2015

Organization ProfileWWW.FIVECOUNTY.COM

View Organization Page

765 Washington StreetBath, ME 04530

(207) 443-3528

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.92x

Higher debt load relative to assets than 92% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

17th percentile

13.83x

Higher debt load relative to revenue than 17% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

23rd percentile

5.4%

Higher net margin than 23% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

97th percentile

$540,187

Higher top officer pay than 97% of similar nonprofits.

Top officer pay equals 3.7% of source-year revenue.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

40th percentile

2.9%

Faster asset growth than 40% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

47th percentile

1.7%

Faster revenue growth than 47% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$217,412,610

Up $6,191,023 (+2.9%) from 2013

Net Assets

Up

$17,062,541

Up $783,472 (+4.8%) from 2013

Liabilities

Up

$200,350,069

Up $5,407,551 (+2.8%) from 2013

Revenue And Expenses
Liabilities / Revenue17th percentileNet Margin23rd percentile

Revenue

Up

$14,486,559

Up $243,288 (+1.7%) from 2013

Expenses

Up

$13,703,087

Up $466,282 (+3.5%) from 2013

Net Income

Down

$783,472

Down $222,994 (-22%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth40th percentile

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

2014

Assets$217,412,610
Liabilities$200,350,069
Net Assets$17,062,541
Open 2014 Filing

Operations Trend

Revenue Growth47th percentile

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

2014

Revenue$14,486,559
Expenses$13,703,087
Net Income$783,472
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 7, 2015
Return Version
2014v5.0
Gross Receipts
$14,486,561
Mission and Program Overview

Mission

Delivering relationship services with trusted solutions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$145,012,115$152,211,428▲ $7,199,313
Savings and Temporary Cash Investments$42,202,126$40,206,615▼ $1,995,511
Cap Stk Tr Prin Current Funds$8,748,514$9,190,737▲ $442,223
Pd in Cap Srpls Land Bldg Eqp Fund$7,530,555$7,871,804▲ $341,249
Land, Buildings, and Equipment, Net$7,302,578$6,887,260▼ $415,318
Cash and Non-Interest-Bearing Accounts$4,782,307$5,405,217▲ $622,910
Investments Other Securities$2,405,642$2,348,462▼ $57,180
Prepaid Expenses and Deferred Charges$955,781$982,136▲ $26,355
Rtn Earn Endowment Incm Other Fnds$0$0→ $0
Total Assets$211,221,587$217,412,610▲ $6,191,023
Other Assets Total$8,561,038$9,371,492▲ $810,454
Liabilities
Other Liabilities$183,048,201$188,179,459▲ $5,131,258
Mortgage Notes Payable Secured by Investment Property$10,000,000$10,000,000→ $0
Accounts Payable and Accrued Expenses$1,894,317$2,170,610▲ $276,293
Total Liabilities$194,942,518$200,350,069▲ $5,407,551
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,279,069$17,062,541▲ $783,472
Total Liabilities and Net Assets / Fund Balance$211,221,587$217,412,610▲ $6,191,023

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,913,829$1,751,572$5,665,401
Equipment$817,376$3,639,514$4,456,890
Land$1,368,653-$1,368,653
Leasehold Improvements$787,402$103,497$890,899
Compensation and Service Providers
Top Officer Pay97th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Richard B DupuisCEO & TreasurerFT$411,819$128,368$540,187
Julie a MarquisVP OperationsFT$134,746$61,893$196,639
Kenneth H StockfordVP FinanceFT$118,260$53,240$171,500
Terri RyanVP of AdminFT$123,363$15,428$138,791
Michael FoleyVP of SalesFT$112,908$20,916$133,824

Board Members and Trustees

NameTitle
Robert BrewerChairman
Merlin SuggsVice Chairman
Bruce WilsonBoard Member
Evelyn DesmondBoard Member
Jeff ParkerBoard Member
Mona FaulterBoard Member

Highest Paid Contractors

ContractorServicesLocationCompensation
SynergentData Processing2 LEDGEVIEW DRIVE, Westbrook, ME 04092$1,329,776
Whitepine LandscapingLandscapingSTATE RD, Bath, ME 04530$163,770
Fairpoint CommunicationCommunication Lines5 DAVIS FARM ROAD, Portland, ME 04103$150,044
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,789,928
Investment Income
$455,444
Other Revenue
$5,241,187
Change in Net Assets
$783,472

Audited Revenue Reconciliation

Revenue per Audited Statements
$14,457,530
Revenue Not Reported on Financial Statements
$29,029
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$29,029
Total Revenue per Audited Statements
$14,457,530
Total Revenue per Form 990
$14,486,559
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,205,363
Salaries, Compensation, and Employee Benefits$6,497,724
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,140,148
Occupancy---$1,203,005
Current Officers, Directors, Trustees, and Key Employees---$1,180,941
Interest---$768,415
Depreciation Depletion---$602,794
Pension Plan Contributions---$417,415
Payroll Taxes---$398,681
Advertising---$380,122
Other Employee Benefits---$360,539
Travel---$160,309
Fees for Services Accounting---$146,634
Insurance---$125,859
Fees for Services Legal---$118,925
Fees for Services Other---$114,501
Other Expenses---$29,029
Total Functional Expenses$0$0$0$13,703,087

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$13,703,087
Expenses per Audited Statements$13,674,058
Total Expenses per Audited Statements$13,674,058
Expenses Not Reported on Financial Statements$29,029
Other Expense Adjustments$29,029
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$5,626
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Shares & Savings Acc$188,179,459
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
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

“Line 6 explanation - five county credit union offers membership to anyone who works, resides or worships in androscoggin, cumberland, lincoln, kennebec, sagadahoc, waldo, somerset, or knox 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

“Line 7a explanation - 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 11

“Line 11a explanation - 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
Richard B Dupuis
Title
CEO & Treasurer
Phone
2074433528
Signed
2015-05-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Richard B Dupuis
Formed
1956
Legal Domicile
Me
Voting Board Members
7
Independent Board Members
6
Employees
154
Volunteers
11

Preparer

Firm
Macpage LLC
Address
30 LONG CREEK DRIVE, SOUTH PORTLAND, ME 04106
Preparer
Mark Ayers
Phone
2077745701
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The process in place for oversight of the audit of the financial statements and selection of an independent accountant have not changed from the prior year.”

Financial Statement Notes

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“LOSS ON SALE OF ASSETS”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“LOSS ON SALE OF ASSETS”

Raw XML AppendixShowing 400 of 522 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01894317
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02170610
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0DELIVERING RELATIONSHIP SERVICES WITH TRUSTED SOLUTIONS.
IRS990/AdvertisingGrp/TotalAmt0380122
IRS990/AllAffiliatesIncludedInd01
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0KENNETH H STOCKFORD
IRS990/BooksInCareOfDetail/PhoneNum02074433528
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0765 WASHINGTON STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0BATH
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0ME
IRS990/BooksInCareOfDetail/USAddress/ZIPCd004530
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt08748514
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt09190737
IRS990/CashNonInterestBearingGrp/BOYAmt04782307
IRS990/CashNonInterestBearingGrp/EOYAmt05405217
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt03
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01180941
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt01329776
IRS990/ContractorCompensationGrp/CompensationAmt1163770
IRS990/ContractorCompensationGrp/CompensationAmt2150044
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt02 LEDGEVIEW DRIVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1STATE RD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt25 DAVIS FARM ROAD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0WESTBROOK
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1BATH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2PORTLAND
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0ME
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1ME
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2ME
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd004092
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd104530
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd204103
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0SYNERGENT
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1WHITEPINE LANDSCAPING
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2FAIRPOINT COMMUNICATION
IRS990/ContractorCompensationGrp/ServicesDesc0DATA PROCESSING
IRS990/ContractorCompensationGrp/ServicesDesc1LANDSCAPING
IRS990/ContractorCompensationGrp/ServicesDesc2COMMUNICATION LINES
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0455444
IRS990/CYOtherExpensesAmt07205363
IRS990/CYOtherRevenueAmt05241187
IRS990/CYProgramServiceRevenueAmt08789928
IRS990/CYRevenuesLessExpensesAmt0783472
IRS990/CYSalariesCompEmpBnftPaidAmt06497724
IRS990/CYTotalExpensesAmt013703087
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt014486559
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0602794
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 12/31/14, FIVE COUNTY CREDIT UNION SERVES 25,491 MEMBERS AND HAS TOTAL DEPOSITS OF $188,179,459. IN ADDITION, THE CREDIT UNION HAS 12,610 OUTSTANDING LOANS TO MEMBERS WITH A TOTAL BALANCE OF $153,178,949 AT 12/31/14.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd01
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0154
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0146634
IRS990/FeesForServicesLegalGrp/TotalAmt0118925
IRS990/FeesForServicesOtherGrp/TotalAmt0114501
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt237099
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt726166
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt823287
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt915428
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1020916
IRS990/Form990PartVIISectionAGrp/PersonNm0ROBERT BREWER
IRS990/Form990PartVIISectionAGrp/PersonNm1MERLIN SUGGS
IRS990/Form990PartVIISectionAGrp/PersonNm2RICHARD B DUPUIS
IRS990/Form990PartVIISectionAGrp/PersonNm3MONA FAULTER
IRS990/Form990PartVIISectionAGrp/PersonNm4BRUCE WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm5EVELYN DESMOND
IRS990/Form990PartVIISectionAGrp/PersonNm6JEFF PARKER
IRS990/Form990PartVIISectionAGrp/PersonNm7JULIE A MARQUIS
IRS990/Form990PartVIISectionAGrp/PersonNm8KENNETH H STOCKFORD
IRS990/Form990PartVIISectionAGrp/PersonNm9TERRI RYAN
IRS990/Form990PartVIISectionAGrp/PersonNm10MICHAEL FOLEY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2503088
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7170473
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8148213
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9123363
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10112908
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/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2CEO & TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP OF ADMIN
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP OF SALES
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01956
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt078
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt080
IRS990/GrossReceiptsAmt014486561
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt05
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/TotalAmt0125859
IRS990/InterestGrp/TotalAmt0768415
IRS990/InvestmentIncomeGrp/ExclusionAmt0455366
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0455366
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt02405642
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt02348462
IRS990/IRPDocumentCnt02795
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05494583
IRS990/LandBldgEquipBasisNetGrp/BOYAmt07302578
IRS990/LandBldgEquipBasisNetGrp/EOYAmt06887260
IRS990/LandBldgEquipCostOrOtherBssAmt012381843
IRS990/LegalDomicileStateCd0ME
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt02
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0DELIVERING RELATIONSHIP SERVICES WITH TRUSTED SOLUTIONS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt010000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt010000000
IRS990/NetAssetsOrFundBalancesBOYAmt016279069
IRS990/NetAssetsOrFundBalancesEOYAmt017062541
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt078
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt078
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01203005
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt08561038
IRS990/OtherAssetsTotalGrp/EOYAmt09371492
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0360539
IRS990/OtherExpensesGrp/Desc0OTHER OPERATING EXPENSE
IRS990/OtherExpensesGrp/Desc1LOAN LOSS EXPENSE
IRS990/OtherExpensesGrp/Desc2LOSS ON SALE OF ASSETS
IRS990/OtherExpensesGrp/TotalAmt02935514
IRS990/OtherExpensesGrp/TotalAmt1620256
IRS990/OtherExpensesGrp/TotalAmt229029
IRS990/OtherLiabilitiesGrp/BOYAmt0183048201
IRS990/OtherLiabilitiesGrp/EOYAmt0188179459
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/BusinessCd2524113
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS FEE INCOME
IRS990/OtherRevenueMiscGrp/Desc1ATM SURCHARGE INCOME
IRS990/OtherRevenueMiscGrp/Desc2INSURANCE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt04002179
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1798411
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt04002179
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11038300
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2200708
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0239889
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt1200708
IRS990/OtherRevenueTotalAmt05241187
IRS990/OtherSalariesAndWagesGrp/TotalAmt04140148
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0145012115
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0152211428
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0398681
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt07530555
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt07871804
IRS990/PensionPlanContributionsGrp/TotalAmt0417415
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0955781
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0982136
IRS990/PrincipalOfficerNm0RICHARD B DUPUIS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08789928
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08789928
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0780405
IRS990/PYOtherExpensesAmt06915893
IRS990/PYOtherRevenueAmt04956730
IRS990/PYProgramServiceRevenueAmt08506136
IRS990/PYRevenuesLessExpensesAmt01006466
IRS990/PYSalariesCompEmpBnftPaidAmt06320912
IRS990/PYTotalExpensesAmt013236805
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt014243271
IRS990/ReconcilationRevenueExpnssAmt0783472
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt042202126
IRS990/SavingsAndTempCashInvstGrp/EOYAmt040206615
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/PoliticalExpendituresAmt05626
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0$3,354 OF THE DUES PAID BY FIVE COUNTY CREDIT UNION TO THE MAIN CREDIT UNION LEAGUE IN 2014 WERE USED TOWARDS LEGISLATIVE ACTION. TRAVEL EXPENSES TOTALED $2,614 FOR THE TRIP TO WASHINGTON, DC.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE 1:
IRS990ScheduleD/BuildingsGrp/BookValueAmt03913829
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01751572
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05665401
IRS990ScheduleD/EquipmentGrp/BookValueAmt0817376
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03639514
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04456890
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt029029
IRS990ScheduleD/ExpensesSubtotalAmt013674058
IRS990ScheduleD/LandGrp/BookValueAmt01368653
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01368653
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0787402
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0103497
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0890899
IRS990ScheduleD/OtherExpensesNotIncludedAmt029029
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0188179459
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES & SAVINGS ACC
IRS990ScheduleD/OtherRevenuesNotIncludedAmt029029
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt029029
IRS990ScheduleD/RevenueSubtotalAmt014457530
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0LOSS ON SALE OF ASSETS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1LOSS ON SALE OF ASSETS
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XII, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06887260
IRS990ScheduleD/TotalExpensesPerForm990Amt013703087
IRS990ScheduleD/TotalLiabilityAmt0188179459
IRS990ScheduleD/TotalRevenuePerForm990Amt014486559
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt014457530
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt013674058
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0411819
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1134746
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2118260
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount091269
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount135727
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount229953
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt037099
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt126166
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt223287
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0RICHARD B DUPUIS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1JULIE A MARQUIS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2KENNETH H STOCKFORD
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO & TREASURER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1VP OPERATIONS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2VP FINANCE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0540187
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1196639
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2171500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt20
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0LINE 6 EXPLANATION - FIVE COUNTY CREDIT UNION OFFERS MEMBERSHIP TO ANYONE WHO WORKS, RESIDES OR WORSHIPS IN ANDROSCOGGIN, CUMBERLAND, LINCOLN, KENNEBEC, SAGADAHOC, WALDO, SOMERSET, OR KNOX COUNTY. MEMBERSHIP IS ALSO AVAILABLE TO EMPLOYEES OF BATH IRON WORKS, EMPLOYEES OF FIVE COUNTY FEDERAL CREDIT UNION AND RELATIVES OF ALL SUCH EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1LINE 7A EXPLANATION - 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2LINE 11A EXPLANATION - UPON COMPLETION OF FORM 990, THE GOVERNING BODY REVIEWS THE RETURN BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COMPLIANCE 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FIVE 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/SupplementalInformationDetail/ExplanationTxt5FIVE COUNTY CREDIT UNION'S GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE TO THE PUBLIC UPON REQUEST.FINANCIAL STATEMENTS ARE DISPLAYED IN LOBBIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE PROCESS IN PLACE FOR OVERSIGHT OF THE AUDIT OF THE FINANCIAL STATEMENTS AND SELECTION OF AN INDEPENDENT ACCOUNTANT HAVE NOT CHANGED FROM THE PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$217,412,610
Liabilities
$200,350,069
Net assets
$17,062,541
Revenue
$14,486,559
Expenses
$13,703,087
Net income
$783,472
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2014 filings • 501(c)14 • $100M-$250M nonprofits