Civic Intelligence

Five County Credit Union

990 • Fiscal year 2015 • EIN 01-0261795

Jan 01, 2015 to Dec 31, 2015 • Filed on May 09, 2016

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

90th percentile

0.92x

Higher debt load relative to assets than 90% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Liabilities / Revenue

17th percentile

13.98x

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

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Net Margin

15th percentile

3.7%

Higher net margin than 15% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Top Officer Pay

98th percentile

$574,590

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 3.9% of source-year revenue.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Asset Growth

28th percentile

3.0%

Faster asset growth than 28% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Revenue Growth

34th percentile

1.9%

Faster revenue growth than 34% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets90th percentile

Assets

Up

$224,008,302

Up $6,595,692 (+3.0%) from 2014

Net Assets

Up

$17,606,258

Up $543,717 (+3.2%) from 2014

Liabilities

Up

$206,402,044

Up $6,051,975 (+3.0%) from 2014

Revenue And Expenses
Liabilities / Revenue17th percentileNet Margin15th percentile

Revenue

Up

$14,761,083

Up $274,524 (+1.9%) from 2014

Expenses

Up

$14,217,365

Up $514,278 (+3.8%) from 2014

Net Income

Down

$543,718

Down $239,754 (-31%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth28th 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

2015

Assets$224,008,302
Liabilities$206,402,044
Net Assets$17,606,258
Open 2015 Filing

Operations Trend

Revenue Growth34th 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

2015

Revenue$14,761,083
Expenses$14,217,365
Net Income$543,718
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 9, 2016
Return Version
2015v2.1
Gross Receipts
$14,839,417
Mission and Program Overview

Mission

Delivering relationship services with trusted solutions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$152,211,428$153,617,662▲ $1,406,234
Savings and Temporary Cash Investments$40,206,615$44,694,267▲ $4,487,652
Cap Stk Tr Prin Current Funds$9,190,737$9,282,921▲ $92,184
Pd in Cap Srpls Land Bldg Eqp Fund$7,871,804$8,323,337▲ $451,533
Land, Buildings, and Equipment, Net$6,887,260$7,041,542▲ $154,282
Cash and Non-Interest-Bearing Accounts$5,405,217$4,941,009▼ $464,208
Investments Other Securities$2,348,462$2,436,984▲ $88,522
Prepaid Expenses and Deferred Charges$982,136$785,333▼ $196,803
Rtn Earn Endowment Incm Other Fnds$0$0→ $0
Total Assets$217,412,610$224,008,302▲ $6,595,692
Other Assets Total$9,371,492$10,491,505▲ $1,120,013
Liabilities
Other Liabilities$188,179,459$194,304,869▲ $6,125,410
Mortgage Notes Payable Secured by Investment Property$10,000,000$10,000,000→ $0
Accounts Payable and Accrued Expenses$2,170,610$2,097,175▼ $73,435
Total Liabilities$200,350,069$206,402,044▲ $6,051,975
Net Assets / Fund Balance
Total Net Assets Fund Balance$17,062,541$17,606,258▲ $543,717
Total Liabilities and Net Assets / Fund Balance$217,412,610$224,008,302▲ $6,595,692

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,796,657$1,876,738$5,673,395
Equipment$667,922$4,030,282$4,698,204
Land$1,819,763-$1,819,763
Leasehold Improvements$757,200$135,999$893,199
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Richard B DupuisSecretary,treasurer & CEOFT$438,986$135,604$574,590
Julie a MarquisVP Operations/COOFT$125,648$63,408$189,056
Kenneth H StockfordVP Finance/CFOFT$108,775$53,755$162,530
Terri RyanVP of AdminFT$123,288$20,025$143,313
Michael FoleyVP of SalesFT$115,038$21,570$136,608

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$1,448,958
Fairpoint CommunicationCommunication Lines5 DAVIS FARM ROAD, Portland, ME 04103$145,832
Whitepine LandscapingLandscapingSTATE RD, Bath, ME 04530$133,595
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,030,535
Investment Income
$621,033
Other Revenue
$5,109,515
Change in Net Assets
$543,718

Audited Revenue Reconciliation

Revenue per Audited Statements
$14,761,083
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$14,761,083
Total Revenue per Form 990
$14,761,083
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,584,613
Salaries, Compensation, and Employee Benefits$6,632,752
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,280,743
Occupancy---$1,193,648
Current Officers, Directors, Trustees, and Key Employees---$1,074,922
Other Expenses---$806,585
Interest---$759,860
Depreciation Depletion---$617,670
Other Employee Benefits---$451,452
Pension Plan Contributions---$423,705
Payroll Taxes---$401,930
Advertising---$372,639
Fees for Services Legal---$145,844
Fees for Services Accounting---$144,038
Fees for Services Other---$143,615
Insurance---$135,405
Travel---$112,865
Total Functional Expenses$0$0$0$14,217,365

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$14,217,365
Total Expenses per Audited Statements$14,217,365
Total Expenses per Form 990$14,217,365
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$5,844
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Shares & Savings Acc$194,304,869
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
2016-05-09
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
146
Volunteers
12

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 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. Fiveco solutions, llc is a pass-through entity to the credit union, therefore, its activities are subject to the same tax attributes as the credit union.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“GAIN ON SALE OF ASSETS”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“GAIN ON SALE OF ASSETS”

Raw XML AppendixShowing 400 of 520 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/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 12/31/15, FIVE COUNTY CREDIT UNION SERVES 26,083 MEMBERS AND HAS TOTAL DEPOSITS OF $194,304,869. IN ADDITION, THE CREDIT UNION HAS 13,148 OUTSTANDING LOANS TO MEMBERS WITH A TOTAL BALANCE OF $154,756,275 AT 12/31/15.
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IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY,TREASURER & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt047325
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0125659
IRS990/GrossReceiptsAmt014839417
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt05
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/TotalAmt0135405
IRS990/InterestGrp/TotalAmt0759860
IRS990/InvestmentIncomeGrp/ExclusionAmt0573708
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0573708
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt02348462
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt02436984
IRS990/IRPDocumentCnt02735
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt06043019
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06887260
IRS990/LandBldgEquipBasisNetGrp/EOYAmt07041542
IRS990/LandBldgEquipCostOrOtherBssAmt013084561
IRS990/LegalDomicileStateCd0ME
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt078334
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/NetAssetsOrFundBalancesBOYAmt017062541
IRS990/NetAssetsOrFundBalancesEOYAmt017606258
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt047325
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt047325
IRS990/NetUnrelatedBusTxblIncmAmt0-43448
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01193648
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09371492
IRS990/OtherAssetsTotalGrp/EOYAmt010491505
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0451452
IRS990/OtherExpensesGrp/Desc0OTHER OPERATING EXPENSE
IRS990/OtherExpensesGrp/Desc1LOAN LOSS EXPENSE
IRS990/OtherExpensesGrp/TotalAmt03152444
IRS990/OtherExpensesGrp/TotalAmt1806585
IRS990/OtherLiabilitiesGrp/BOYAmt0188179459
IRS990/OtherLiabilitiesGrp/EOYAmt0194304869
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/RelatedOrExemptFuncIncomeAmt03724431
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1934806
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt03724431
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11180575
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2204509
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0245769
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt1204509
IRS990/OtherRevenueTotalAmt05109515
IRS990/OtherSalariesAndWagesGrp/TotalAmt04280743
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0152211428
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0153617662
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0401930
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt07871804
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt08323337
IRS990/PensionPlanContributionsGrp/TotalAmt0423705
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0982136
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0785333
IRS990/PrincipalOfficerNm0RICHARD B DUPUIS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt09030535
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt09030535
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0455444
IRS990/PYOtherExpensesAmt07205363
IRS990/PYOtherRevenueAmt05241187
IRS990/PYProgramServiceRevenueAmt08789928
IRS990/PYRevenuesLessExpensesAmt0783472
IRS990/PYSalariesCompEmpBnftPaidAmt06497724
IRS990/PYTotalExpensesAmt013703087
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt014486559
IRS990/ReconcilationRevenueExpnssAmt0543718
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt040206615
IRS990/SavingsAndTempCashInvstGrp/EOYAmt044694267
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/PoliticalExpendituresAmt05844
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0$3,345 OF THE DUES PAID BY FIVE COUNTY CREDIT UNION TO THE MAIN CREDIT UNION LEAGUE IN 2015 WERE USED TOWARDS LEGISLATIVE ACTION. TRAVEL EXPENSES TOTALED $2,499 FOR THE TRIP TO WASHINGTON, DC.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE 1:
IRS990ScheduleD/BuildingsGrp/BookValueAmt03796657
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01876738
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05673395
IRS990ScheduleD/EquipmentGrp/BookValueAmt0667922
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04030282
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04698204
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt014217365
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01819763
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01819763
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0757200
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0135999
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0893199
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0194304869
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES & SAVINGS ACC
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt014761083
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE 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. FIVECO SOLUTIONS, LLC IS A PASS-THROUGH ENTITY TO THE CREDIT UNION, THEREFORE, ITS ACTIVITIES ARE SUBJECT TO THE SAME TAX ATTRIBUTES AS THE CREDIT UNION.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1GAIN ON SALE OF ASSETS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2GAIN ON SALE OF ASSETS
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XII, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07041542
IRS990ScheduleD/TotalExpensesPerForm990Amt014217365
IRS990ScheduleD/TotalLiabilityAmt0194304869
IRS990ScheduleD/TotalRevenuePerForm990Amt014761083
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt014761083
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt014217365
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0438986
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1125648
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2108775
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount096654
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount136837
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount229696
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/NontaxableBenefitsFilingOrgAmt038950
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt126571
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt224059
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/TitleTxt0SECRETARY,TREASURER & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1VP OPERATIONS/COO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2VP FINANCE/CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0574590
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1189056
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2162530
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$224,008,302
Liabilities
$206,402,044
Net assets
$17,606,258
Revenue
$14,761,083
Expenses
$14,217,365
Net income
$543,718
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

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