Civic Intelligence

Guardian Angel Credit Union

EIN 02-0156800 • 501(c)14 • Berlin, NH

View Organization Page

Profile

Banking services

P O Box 522Berlin, NH 03570-0522

www.gacreditunion.com

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2014

Liabilities / Revenue

26th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

36th percentile

-12%

Higher net margin than 36% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

24th percentile

-100%

Faster asset growth than 24% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

54th percentile

2.0%

Faster revenue growth than 54% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $41,924,156 (-100%) from 2013

Liabilities

Down

$0

Down $33,992,147 (-100%) from 2013

Net Assets

Down

$0

Down $7,932,009 (-100%) from 2013

Operations
Liabilities / Revenue26th percentileNet Margin36th percentile

Revenue

Up

$1,384,710

Up $26,785 (+2.0%) from 2013

Expenses

Up

$1,550,392

Up $40,124 (+2.7%) from 2013

Net Income

Down

-$165,682

Down $13,339 (-8.8%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth24th percentile

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

$60M$40M$20M$0Assets 2010: $40,425,891Liabilities 2010: $32,158,656Net Assets 2010: $8,267,2352010Assets 2011: $39,767,453Liabilities 2011: $31,645,354Net Assets 2011: $8,122,0992011Assets 2012: $40,938,811Liabilities 2012: $32,845,142Net Assets 2012: $8,093,6692012Assets 2013: $41,924,156Liabilities 2013: $33,992,147Net Assets 2013: $7,932,0092013Assets 2014: $0Liabilities 2014: $0Net Assets 2014: $02014

Highlighted filing

2014

Assets$0
Liabilities$0
Net Assets$0
Open 2014 Filing

Operations Trend

Revenue Growth54th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,744,2682010Expenses 2011: $1,680,7402011Expenses 2012: $1,512,4912012Revenue 2013: $1,357,925Expenses 2013: $1,510,268Net Income 2013: -$152,3432013Revenue 2014: $1,384,710Expenses 2014: $1,550,392Net Income 2014: -$165,6822014

Highlighted filing

2014

Revenue$1,384,710
Expenses$1,550,392
Net Income-$165,682
Open 2014 Filing

Filings

Most recent year

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

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$1,384,710
Expenses
$1,550,392
Net income
-$165,682
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$1.38$1.55$0.17
2013Detailed filing. Detailed filing data is available for this year.$41.9$34.0$7.93$1.36$1.51$0.15
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.9$32.8$8.09$1.51
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.8$31.6$8.12$1.68
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.4$32.2$8.27$1.74
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Mar 6, 2015
Return Version
2014v5.0
Gross Receipts
$1,384,710
Mission and Program Overview

Mission

Banking services

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$27,193,154--
Accounts Receivable$12,995,747--
Land, Buildings, and Equipment, Net$684,248--
Cash and Non-Interest-Bearing Accounts$622,368--
Prepaid Expenses and Deferred Charges$99,244--
Total Assets$41,924,156$0▼ $41,924,156
Other Assets Total$329,395--
Liabilities
Unsecured Notes Loans Payable$33,929,386--
Accounts Payable and Accrued Expenses$62,761--
Total Liabilities$33,992,147$0▼ $33,992,147
Net Assets / Fund Balance
Unrestricted Net Assets$6,932,009--
Permanently Rstr Net Assets$1,000,000--
Total Net Assets Fund Balance$7,932,009$0▼ $7,932,009
Total Liabilities and Net Assets / Fund Balance$41,924,156$0▼ $41,924,156
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Gerald L DumoulinPres TreasFT$110,781$110,781
Diane GilbertOffice ManagerFT$46,186$46,186
Cindy BennettAssistant ManagerFT$28,712$28,712
Kelly ColbyAssitant Branch MgrFT$4,150$4,150
Richard a BouchardCredit Committee-$2,080$2,080
Paul CussonDirector-$2,000$2,000
Leo Z ParadisDirector-$1,160$1,160
Raymond T AubeCredit Committee-$920$920

Board Members and Trustees

NameTitle
Roger W CharestChairman
Gary E BissonVice-Chairman
Pierre J MorinDirector
Daniel G BlaisSecretary
Narmand CaouetteSupervisory Committee
Giselle MckenzieSupervisory Committii
Karl J NelsonSupervisory Committii
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,384,710
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-165,682
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$775,916
Salaries, Compensation, and Employee Benefits$652,824
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses$407,824--$407,824
Other Salaries and Wages$295,219--$295,219
Current Officers, Directors, Trustees, and Key Employees$195,989--$195,989
Benefits to Members$121,652--$121,652
Other Employee Benefits$92,252--$92,252
Depreciation Depletion$77,559--$77,559
Occupancy$65,165--$65,165
Office Expenses$44,293--$44,293
Payroll Taxes$40,349--$40,349
Other Expenses$33,901--$33,901
Pension Plan Contributions$29,015--$29,015
Conferences and Meetings$24,367--$24,367
Fees for Services Accounting$23,716--$23,716
Insurance$21,038--$21,038
Fees for Services Legal$12,516--$12,516
Travel$6,917--$6,917
Advertising$3,961--$3,961
Total Functional Expenses$1,550,392$0$0$1,550,392
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
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Filing and Contact Details

Filer

Filer Name
Guardian Angel Credit Union
EIN
02-0156800
Phone
6037522750
Address
P O BOX 522, BERLIN, NH 03570-0522

Signing Officer

Name
Gerald L Dumoulin
Title
Treasurer
Phone
6037522750
Signed
2015-03-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gerald L Dumoulin
Formed
1929
Legal Domicile
Nh
Voting Board Members
12
Independent Board Members
12
Employees
22
Volunteers
0

Preparer

Firm
Albert R Morrissette CPA
Address
424 SECOND AVE, BERLIN, NH 03570-1134
Preparer
Albert R Morrissette
Phone
6037523469
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“Must be a member to participate in Credit Union services.”

Pt VI, Line 7A

“At the annual meeting members vote for the officers.”

Pt VI, Line 11B

“Reviewed by the President/Treasurer & Board of Directors.”

Pt VI, Line 15A

“Reviewed by the Board of Directors in the absence of the CEO.”

Pt VI, Line 15B

“By the Board of Directors.”

Pt VI, Line 19

“Posted in the Ceredit Union lobby.”

Form 990, Part IX, Line 24F

“Assaciation dues 14706. 14706. Credit card exp 111024. 111024. Computer processing 152771. 152771. Contributions irs approved 10049. 10049. Loan inquiry exp 8335. 8335. Loan loss 110939. 110939.”

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IRS990/SavingsAndTempCashInvstGrp/BOYAmt027193154
IRS990/ScheduleBRequiredInd0false
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleN/AssetsDistributedInd0true
IRS990ScheduleN/AttorneyGeneralNotifiedInd0true
IRS990ScheduleN/BondsOutstandingInd0false
IRS990ScheduleN/DirectorOfSuccessorInd0false
IRS990ScheduleN/EmployeeOfSuccessorInd0true
IRS990ScheduleN/LiabilitiesPaidInd0true
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0All Assets
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02015-01-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0020240752
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt041643683
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(c)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0Book
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/PersonNm0SERVICE CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt03003 Lafayette Rd
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0Portsmouth
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0NH
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd003801
IRS990ScheduleN/OwnerOfSuccessorInd0false
IRS990ScheduleN/ReceiveCompensationInd0false
IRS990ScheduleN/RequiredToNotifyAGInd0true
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0All employees of Guardian Angel Credit Union will become
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt1employees of Service Credit Union
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, Line 2e
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc1Part I, Line 2e
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Must be a member to participate in Credit Union services.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1At the annual meeting members vote for the officers.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Reviewed by the President/Treasurer & Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Reviewed by the Board of Directors in the absence of the CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4By the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Posted in the Ceredit Union lobby.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ASSACIATION DUES 14706. 14706. CREDIT CARD EXP 111024. 111024. COMPUTER PROCESSING 152771. 152771. CONTRIBUTIONS IRS APPROVED 10049. 10049. LOAN INQUIRY EXP 8335. 8335. LOAN LOSS 110939. 110939.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0true
IRS990/TotalAssetsBOYAmt041924156
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt041924156
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt022
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01550392
IRS990/TotalFunctionalExpensesGrp/TotalAmt01550392
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt033992147
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt033992147
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07932009
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalProgramServiceRevenueAmt01384710
IRS990/TotalReportableCompFromOrgAmt0195989
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01384710
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01384710
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt041924156
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/ProgramServicesAmt06917
IRS990/TravelGrp/TotalAmt06917
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt06932009
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt033929386
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt039 BRET ST
IRS990/USAddress/CityNm0BERLIN
IRS990/USAddress/StateAbbreviationCd0NH
IRS990/USAddress/ZIPCd003570
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt012
IRS990/WebsiteAddressTxt0WWW.GACREDITUNION.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0GERALD L DUMOULIN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum06037522750
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-03-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GUARDIAN ANGEL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0GUAR
ReturnHeader/Filer/EIN0020156800
ReturnHeader/Filer/PhoneNum06037522750
ReturnHeader/Filer/USAddress/AddressLine1Txt0P O BOX 522
ReturnHeader/Filer/USAddress/CityNm0BERLIN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NH
ReturnHeader/Filer/USAddress/ZIPCd0035700522
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ALBERT R MORRISSETTE CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0424 SECOND AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BERLIN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0035701134
ReturnHeader/PreparerPersonGrp/PhoneNum06037523469
ReturnHeader/PreparerPersonGrp/PreparationDt02015-03-09
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ALBERT R MORRISSETTE
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02015-03-09T03:20:46-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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