Civic Intelligence

University Credit Union

990 • Fiscal year 2016 • EIN 01-6028792

Jan 01, 2016 to Dec 31, 2016 • Filed on May 02, 2017

Organization ProfileWWW.UCU.MAINE.EDU

View Organization Page

15 Main StreetOrono, ME 04469

(207) 889-8600

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.91x

Higher debt load relative to assets than 73% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

25th percentile

15.42x

Higher debt load relative to revenue than 25% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

23rd percentile

8.0%

Higher net margin than 23% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

20th percentile

$282,467

Higher top officer pay than 20% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

27th percentile

3.9%

Faster asset growth than 27% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

36th percentile

5.3%

Faster revenue growth than 36% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$276,038,532

Up $10,329,565 (+3.9%) from 2015

Net Assets

Up

$25,166,919

Up $1,013,673 (+4.2%) from 2015

Liabilities

Up

$250,871,613

Up $9,315,892 (+3.9%) from 2015

Revenue And Expenses
Liabilities / Revenue25th percentileNet Margin23rd percentile

Revenue

Up

$16,270,086

Up $826,090 (+5.3%) from 2015

Expenses

Up

$14,965,221

Up $605,051 (+4.2%) from 2015

Net Income

Up

$1,304,865

Up $221,039 (+20%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth27th percentile

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

$600M$400M$200M$0Assets 2010: $194,407,941Liabilities 2010: $176,844,714Net Assets 2010: $17,563,2272010Assets 2011: $192,909,871Liabilities 2011: $174,139,652Net Assets 2011: $18,770,2192011Assets 2012: $211,504,702Liabilities 2012: $191,241,935Net Assets 2012: $20,262,7672012Assets 2013: $233,669,869Liabilities 2013: $212,118,380Net Assets 2013: $21,551,4892013Assets 2014: $255,484,769Liabilities 2014: $232,309,262Net Assets 2014: $23,175,5072014Assets 2015: $265,708,967Liabilities 2015: $241,555,721Net Assets 2015: $24,153,2462015Assets 2016: $276,038,532Liabilities 2016: $250,871,613Net Assets 2016: $25,166,9192016Assets 2017: $289,005,755Liabilities 2017: $262,507,650Net Assets 2017: $26,498,1052017Assets 2018: $305,452,117Liabilities 2018: $278,251,438Net Assets 2018: $27,200,6792018Assets 2019: $330,643,520Liabilities 2019: $299,566,688Net Assets 2019: $31,076,8322019Assets 2020: $385,646,309Liabilities 2020: $349,834,373Net Assets 2020: $35,811,9362020Assets 2021: $424,608,395Liabilities 2021: $385,484,095Net Assets 2021: $39,124,3002021Assets 2022: $459,586,136Liabilities 2022: $423,242,537Net Assets 2022: $36,343,5992022Assets 2023: $480,026,796Liabilities 2023: $441,339,429Net Assets 2023: $38,687,3672023Assets 2024: $508,181,878Liabilities 2024: $465,832,980Net Assets 2024: $42,348,8982024

Highlighted filing

2016

Assets$276,038,532
Liabilities$250,871,613
Net Assets$25,166,919
Open 2016 Filing

Operations Trend

Revenue Growth36th percentile

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

$30M$20M$10M$0Expenses 2010: $11,247,7972010Expenses 2011: $11,088,8652011Expenses 2012: $11,501,4522012Revenue 2013: $12,748,442Expenses 2013: $11,442,827Net Income 2013: $1,305,6152013Revenue 2014: $14,365,545Expenses 2014: $12,807,905Net Income 2014: $1,557,6402014Revenue 2015: $15,443,996Expenses 2015: $14,360,170Net Income 2015: $1,083,8262015Revenue 2016: $16,270,086Expenses 2016: $14,965,221Net Income 2016: $1,304,8652016Revenue 2017: $16,750,897Expenses 2017: $15,356,726Net Income 2017: $1,394,1712017Revenue 2018: $16,924,654Expenses 2018: $15,995,925Net Income 2018: $928,7292018Revenue 2019: $18,930,933Expenses 2019: $16,063,394Net Income 2019: $2,867,5392019Revenue 2020: $19,858,361Expenses 2020: $16,471,282Net Income 2020: $3,387,0792020Revenue 2021: $20,708,166Expenses 2021: $16,129,125Net Income 2021: $4,579,0412021Revenue 2022: $21,065,584Expenses 2022: $17,883,590Net Income 2022: $3,181,9942022Revenue 2023: $24,246,784Expenses 2023: $22,460,398Net Income 2023: $1,786,3862023Revenue 2024: $29,289,979Expenses 2024: $28,299,035Net Income 2024: $990,9442024

Highlighted filing

2016

Revenue$16,270,086
Expenses$14,965,221
Net Income$1,304,865
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 2, 2017
Return Version
2016v3.0
Gross Receipts
$16,270,086
Mission and Program Overview

Mission

The purpose of university credit union is to actively advance members' financial well-being in every stage of their lives.

Provide members with savings and loan services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$214,417,420$219,817,102▲ $5,399,682
Investments Other Securities$28,764,531$30,626,094▲ $1,861,563
Rtn Earn Endowment Incm Other Fnds$24,153,246$25,166,919▲ $1,013,673
Land, Buildings, and Equipment, Net$10,027,676$10,370,977▲ $343,301
Cash and Non-Interest-Bearing Accounts$7,321,692$10,191,993▲ $2,870,301
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$265,708,967$276,038,532▲ $10,329,565
Other Assets Total$5,177,648$5,032,366▼ $145,282
Liabilities
Other Liabilities$201,403,428$218,763,083▲ $17,359,655
Mortgage Notes Payable Secured by Investment Property$37,836,553$29,224,256▼ $8,612,297
Accounts Payable and Accrued Expenses$2,315,740$2,884,274▲ $568,534
Total Liabilities$241,555,721$250,871,613▲ $9,315,892
Net Assets / Fund Balance
Total Net Assets Fund Balance$24,153,246$25,166,919▲ $1,013,673
Total Liabilities and Net Assets / Fund Balance$265,708,967$276,038,532▲ $10,329,565

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,393,877$2,009,855$8,403,732
Other Land Buildings$1,332,824$3,218,123$4,550,947
Land$2,538,140-$2,538,140
Leasehold Improvements$87,544$651,325$738,869
Equipment$18,592$14,608$33,200
Other Securities$30,626,094--
Compensation and Service Providers
Top Officer Pay20th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Matthew WalshPresident & CEOFT$234,904$47,563$282,467
Renee OuelletteSVP of Fin/techFT$115,436$106,677$222,113
Deb White-rideoutSVP of Hr & OperFT$123,286$65,395$188,681

Board Members and Trustees

NameTitle
Gerald Hayman JrChair
Ency WhitehillVice Chair
Betsy UhuadDirector
Carolyn ChenneyDirector
Peter ReidDirector
Richard BorgmanDirector
Hugh MorrisonSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$15,120,550
Investment Income
$764,300
Other Revenue
$385,236
Change in Net Assets
$1,304,865

Audited Revenue Reconciliation

Revenue per Audited Statements
$16,270,086
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$16,270,086
Total Revenue per Form 990
$16,270,086
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,560,411
Salaries, Compensation, and Employee Benefits$6,129,167
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$3,642,676--$3,642,676
Benefits to Members$1,275,643--$1,275,643
Occupancy$969,769--$969,769
Other Employee Benefits$886,528--$886,528
Current Officers, Directors, Trustees, and Key Employees$693,261--$693,261
Pension Plan Contributions$552,081--$552,081
Advertising$497,066--$497,066
Payroll Taxes$354,621--$354,621
Other Expenses$243,090--$243,090
Fees for Services Other$166,112--$166,112
Travel$149,348--$149,348
Fees for Services Legal$114,203--$114,203
Fees for Services Accounting$29,037--$29,037
Total Functional Expenses$14,965,221$0$0$14,965,221

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$14,965,221
Total Expenses per Audited Statements$14,965,221
Total Expenses per Form 990$14,965,221
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARE AND SAVINGS ACCOUNT$218,763,083
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Line 6 explanation - the organization is in business to serve its members.”

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

“Line 7a explanation - members of the governing body are nominated and when applicable voted in by members of the organization.”

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

“Line 7b explanation - certain decisions are subject to the approval of the members of the organization, such as the decision to merge with another entity.”

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

“Line 11a explanation - a copy of the 990 was provided to the governing body with available time for review and discussion before filing. The return was reviewed by the president, ceo and senior vice president of finance and technology.”

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

“A conflict of interest statement is signed and issues are addressed as they arise.”

Form 990, Part VI, Section B, Line 15

“Compensation for the organization's president, ceo and all other employee compensation is determined with comparability data such as a compensation survey or study. The president and ceo compensation is subject to approval of the board.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted onsite at all public locations. The conflict of interest policy and governing documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
University Credit Union
EIN
01-6028792
Phone
2078898600
Address
15 MAIN STREET, ORONO, ME 04469

Signing Officer

Name
Renee Ouellette
Title
Senior VP Finance & Technology
Phone
2078898600
Signed
2017-05-02
Discuss with paid preparer
Yes

Organization Details

Formed
1967
Legal Domicile
Me
Voting Board Members
7
Independent Board Members
7
Employees
118
Volunteers
0

Preparer

Firm
Macpage LLC
Address
30 LONG CREEK DRIVE, SOUTH PORTLAND, ME 04106
Preparer
Brad Weller
Phone
2077745701
Raw XML AppendixShowing 400 of 493 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/OtherExpensesGrp/Desc2LOAN SERVICE EXPENSE
IRS990/OtherExpensesGrp/Desc3OTHER GENERAL AND ADMIN
IRS990/OtherExpensesGrp/ProgramServicesAmt03893822
IRS990/OtherExpensesGrp/ProgramServicesAmt11007276
IRS990/OtherExpensesGrp/ProgramServicesAmt2490688
IRS990/OtherExpensesGrp/ProgramServicesAmt3243090
IRS990/OtherExpensesGrp/TotalAmt03893822
IRS990/OtherExpensesGrp/TotalAmt11007276
IRS990/OtherExpensesGrp/TotalAmt2490688
IRS990/OtherExpensesGrp/TotalAmt3243090
IRS990/OtherLiabilitiesGrp/BOYAmt0201403428
IRS990/OtherLiabilitiesGrp/EOYAmt0218763083
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0ATM FEES
IRS990/OtherRevenueMiscGrp/Desc1INSURANCE
IRS990/OtherRevenueMiscGrp/Desc2GUARANTEED ASSET PROTECT
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt094683
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt188369
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt282287
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt094683
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt188369
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt282287
IRS990/OtherRevenueTotalAmt0354025
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt03642676
IRS990/OtherSalariesAndWagesGrp/TotalAmt03642676
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0214417420
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0219817102
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ProgramServicesAmt0354621
IRS990/PayrollTaxesGrp/TotalAmt0354621
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0552081
IRS990/PensionPlanContributionsGrp/TotalAmt0552081
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME FROM MEMBERS
IRS990/ProgramServiceRevenueGrp/Desc1CHECK CARD
IRS990/ProgramServiceRevenueGrp/Desc2OVERDRAFT FEES
IRS990/ProgramServiceRevenueGrp/Desc3GAIN ON SALE OF LOANS
IRS990/ProgramServiceRevenueGrp/Desc4OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt011653591
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11674412
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21460876
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3181388
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt489682
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt011653591
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11674412
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21460876
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3181388
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt489682
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt01255765
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0709798
IRS990/PYOtherExpensesAmt07253549
IRS990/PYOtherRevenueAmt0328732
IRS990/PYProgramServiceRevenueAmt014405466
IRS990/PYRevenuesLessExpensesAmt01083826
IRS990/PYSalariesCompEmpBnftPaidAmt05850856
IRS990/PYTotalExpensesAmt014360170
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt015443996
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt01304865
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt031211
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt024153246
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt025166919
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt06393877
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02009855
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08403732
IRS990ScheduleD/EquipmentGrp/BookValueAmt018592
IRS990ScheduleD/EquipmentGrp/DepreciationAmt014608
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt033200
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt014965221
IRS990ScheduleD/LandGrp/BookValueAmt02538140
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02538140
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt087544
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0651325
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0738869
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01332824
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt03218123
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt04550947
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0218763083
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARE AND SAVINGS ACCOUNT
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt030626094
IRS990ScheduleD/OtherSecuritiesGrp/Desc0MORTGAGE BACKED SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt016270086
IRS990ScheduleD/TotalBookValueLandBuildingsAmt010370977
IRS990ScheduleD/TotalBookValueSecuritiesAmt030626094
IRS990ScheduleD/TotalExpensesPerForm990Amt014965221
IRS990ScheduleD/TotalLiabilityAmt0218763083
IRS990ScheduleD/TotalRevenuePerForm990Amt016270086
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt016270086
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt014965221
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0234904
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1123286
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2115436
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount015554
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount12460
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount22299
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/DeferredCompensationFlngOrgAmt144500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt290000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt021242
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt114835
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt214128
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt010767
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt13600
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt2250
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MATTHEW WALSH
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1DEB WHITE-RIDEOUT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2RENEE OUELLETTE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1SVP OF HR & OPER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2SVP OF FIN/TECH
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0282467
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1188681
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2222113
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt20
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0LINE 6 EXPLANATION - THE ORGANIZATION IS IN BUSINESS TO SERVE ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1LINE 7A EXPLANATION - MEMBERS OF THE GOVERNING BODY ARE NOMINATED AND WHEN APPLICABLE VOTED IN BY MEMBERS OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2LINE 7B EXPLANATION - CERTAIN DECISIONS ARE SUBJECT TO THE APPROVAL OF THE MEMBERS OF THE ORGANIZATION, SUCH AS THE DECISION TO MERGE WITH ANOTHER ENTITY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3LINE 11A EXPLANATION - A COPY OF THE 990 WAS PROVIDED TO THE GOVERNING BODY WITH AVAILABLE TIME FOR REVIEW AND DISCUSSION BEFORE FILING. THE RETURN WAS REVIEWED BY THE PRESIDENT, CEO AND SENIOR VICE PRESIDENT OF FINANCE AND TECHNOLOGY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A CONFLICT OF INTEREST STATEMENT IS SIGNED AND ISSUES ARE ADDRESSED AS THEY ARISE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION FOR THE ORGANIZATION'S PRESIDENT, CEO AND ALL OTHER EMPLOYEE COMPENSATION IS DETERMINED WITH COMPARABILITY DATA SUCH AS A COMPENSATION SURVEY OR STUDY. THE PRESIDENT AND CEO COMPENSATION IS SUBJECT TO APPROVAL OF THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED ONSITE AT ALL PUBLIC LOCATIONS. THE CONFLICT OF INTEREST POLICY AND GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST.
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

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$276,038,532
Liabilities
$250,871,613
Net assets
$25,166,919
Revenue
$16,270,086
Expenses
$14,965,221
Net income
$1,304,865
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$508$466$42.3$29.3$28.3$0.99
2023Detailed filing. Detailed filing data is available for this year.$480$441$38.7$24.2$22.5$1.79
2022Detailed filing. Detailed filing data is available for this year.$460$423$36.3$21.1$17.9$3.18
2021Detailed filing. Detailed filing data is available for this year.$425$385$39.1$20.7$16.1$4.58
2020Detailed filing. Detailed filing data is available for this year.$386$350$35.8$19.9$16.5$3.39
2019Detailed filing. Detailed filing data is available for this year.$331$300$31.1$18.9$16.1$2.87
2018Detailed filing. Detailed filing data is available for this year.$305$278$27.2$16.9$16.0$0.93
2017Detailed filing. Detailed filing data is available for this year.$289$263$26.5$16.8$15.4$1.39
2016Detailed filing. Detailed filing data is available for this year.$276$251$25.2$16.3$15.0$1.30
2015Detailed filing. Detailed filing data is available for this year.$266$242$24.2$15.4$14.4$1.08
2014Detailed filing. Detailed filing data is available for this year.$255$232$23.2$14.4$12.8$1.56
2013Detailed filing. Detailed filing data is available for this year.$234$212$21.6$12.7$11.4$1.31
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$212$191$20.3$11.5
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$193$174$18.8$11.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$194$177$17.6$11.2
Peer Organizations

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