Civic Intelligence

Guardian Angel Credit Union

990 • Fiscal year 2013 • EIN 02-0156800

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 26, 2014

Organization ProfileWWW.GACREDITUNION.COM

View Organization Page

P O Box 52203570-0522

(603) 752-2750

Siviq Scores

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

Liabilities / Assets

12th percentile

0.81x

Higher debt load relative to assets than 12% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

79th percentile

25.03x

Higher debt load relative to revenue than 79% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

10th percentile

-11%

Higher net margin than 10% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

56th percentile

2.4%

Faster asset growth than 56% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

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

Source year 2013

Balance Sheet
Liabilities / Assets12th percentile

Assets

Up

$41,924,156

Up $985,345 (+2.4%) from 2012

Net Assets

Down

$7,932,009

Down $161,660 (-2.0%) from 2012

Liabilities

Up

$33,992,147

Up $1,147,005 (+3.5%) from 2012

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin10th percentile

Revenue

$1,357,925

No earlier filing loaded for comparison.

Expenses

Down

$1,510,268

Down $2,223 (-0.1%) from 2012

Net Income

-$152,343

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth56th percentile

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

$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

2013

Assets$41,924,156
Liabilities$33,992,147
Net Assets$7,932,009
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

2013

Revenue$1,357,925
Expenses$1,510,268
Net Income-$152,343
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 26, 2014
Return Version
2013v3.1
Gross Receipts
$1,357,925
Mission and Program Overview

Mission

Banking services

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$25,778,216$27,193,154▲ $1,414,938
Accounts Receivable$13,618,897$12,995,747▼ $623,150
Land, Buildings, and Equipment, Net$654,232$684,248▲ $30,016
Cash and Non-Interest-Bearing Accounts$411,752$622,368▲ $210,616
Prepaid Expenses and Deferred Charges$160,470$99,244▼ $61,226
Total Assets$40,938,811$41,924,156▲ $985,345
Other Assets Total$315,244$329,395▲ $14,151
Liabilities
Unsecured Notes Loans Payable$32,786,192$33,929,386▲ $1,143,194
Accounts Payable and Accrued Expenses$58,950$62,761▲ $3,811
Total Liabilities$32,845,142$33,992,147▲ $1,147,005
Net Assets / Fund Balance
Unrestricted Net Assets$7,093,669$6,932,009▼ $161,660
Permanently Rstr Net Assets$1,000,000$1,000,000→ $0
Total Net Assets Fund Balance$8,093,669$7,932,009▼ $161,660
Total Liabilities and Net Assets / Fund Balance$40,938,811$41,924,156▲ $985,345

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$438,911$652,543-
Land$74,038--
Equipment$137,247$373,190-
Leasehold Improvements$34,052$40,487-
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Gerald L DumoulinPres TreasFT$108,482$108,482
Diane GilbertOffice ManagerFT$40,786$40,786
Kelly ColbyAssitant Branch MgrFT$29,451$29,451
Bonnie KnappBranch ManagerFT$24,428$24,428
Richard a BouchardCredit Committee-$1,920$1,920
Paul CussonDirector-$1,480$1,480
Raymond T AubeCredit Committee-$1,280$1,280
Leo Z ParadisDirector-$1,120$1,120

Board Members and Trustees

NameTitle
Daniel G BlaisChairman
Roger W CharestVice Chairman
Pierre J MorinDirector
Gary E BissonSecretary
Narmand CaouetteSupervisory Committee
Giselle MckenzieSupervisory Committii
Karl J NelsonSupervisory Committii
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,357,925
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-152,343
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$696,250
Other Expenses$680,101
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses$315,167--$315,167
Other Salaries and Wages$280,366--$280,366
Current Officers, Directors, Trustees, and Key Employees$208,947--$208,947
Other Employee Benefits$135,514--$135,514
Benefits to Members$133,917--$133,917
Depreciation Depletion$64,047--$64,047
Occupancy$59,834--$59,834
Payroll Taxes$41,471--$41,471
Office Expenses$38,370--$38,370
Other Expenses$34,110--$34,110
Fees for Services Legal$32,000--$32,000
Pension Plan Contributions$29,952--$29,952
Conferences and Meetings$23,287--$23,287
Fees for Services Accounting$22,524--$22,524
Insurance$20,337--$20,337
Advertising$6,015--$6,015
Travel$5,387--$5,387
Total Functional Expenses$1,510,268$0$0$1,510,268
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

EIN
02-0156800
Phone
6037522750

Signing Officer

Name
Gerald L Dumoulin
Title
Treasurer
Phone
6037522750
Signed
2014-03-26
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

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 Credit Union lobby.”

Form 990, Part IX, Line 24F

“Assaciation dues 11187. 11187. Credit card exp 103459. 103459. Computer processing 142314. 142314. Contributions irs approved 10105. 10105. Loan inquiry exp 9237. 9237. Loan loss 12000. 12000. Corporate c u exp 26865. 26865.”

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IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt025778216
IRS990/SavingsAndTempCashInvstGrp/EOYAmt027193154
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0438911
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0652543
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt01091454
IRS990ScheduleD/EquipmentGrp/BookValueAmt0137247
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0373190
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0510437
IRS990ScheduleD/LandGrp/BookValueAmt074038
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt074038
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt034052
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt040487
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt074539
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0684248
IRS990/ScheduleJRequiredInd0false
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 Credit Union lobby.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ASSACIATION DUES 11187. 11187. CREDIT CARD EXP 103459. 103459. COMPUTER PROCESSING 142314. 142314. CONTRIBUTIONS IRS APPROVED 10105. 10105. LOAN INQUIRY EXP 9237. 9237. LOAN LOSS 12000. 12000. CORPORATE C U EXP 26865. 26865.
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/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt040938811
IRS990/TotalAssetsEOYAmt041924156
IRS990/TotalAssetsGrp/BOYAmt040938811
IRS990/TotalAssetsGrp/EOYAmt041924156
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt022
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01510268
IRS990/TotalFunctionalExpensesGrp/TotalAmt01510268
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt032845142
IRS990/TotalLiabilitiesEOYAmt033992147
IRS990/TotalLiabilitiesGrp/BOYAmt032845142
IRS990/TotalLiabilitiesGrp/EOYAmt033992147
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt08093669
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07932009
IRS990/TotalProgramServiceRevenueAmt01357925
IRS990/TotalReportableCompFromOrgAmt0208947
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01357925
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01357925
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt040938811
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt041924156
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/ProgramServicesAmt05387
IRS990/TravelGrp/TotalAmt05387
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt07093669
IRS990/UnrestrictedNetAssetsGrp/EOYAmt06932009
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt032786192
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt033929386
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1039 BRET ST
IRS990/USAddress/City0BERLIN
IRS990/USAddress/State0NH
IRS990/USAddress/ZIPCode003570
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt012
IRS990/WebsiteAddressTxt0WWW.GACREDITUNION.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0GERALD L DUMOULIN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum06037522750
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-03-26
ReturnHeader/Filer/BusinessName/BusinessNameLine10GUARDIAN ANGEL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0GUAR
ReturnHeader/Filer/EIN0020156800
ReturnHeader/Filer/PhoneNum06037522750
ReturnHeader/Filer/USAddress/AddressLine10P O BOX 522
ReturnHeader/Filer/USAddress/City0BERLIN
ReturnHeader/Filer/USAddress/State0NH
ReturnHeader/Filer/USAddress/ZIPCode0035700522
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10ALBERT R MORRISSETTE CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10424 SECOND AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0BERLIN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0NH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0035701134
ReturnHeader/PreparerPersonGrp/PhoneNum06037523469
ReturnHeader/PreparerPersonGrp/PreparationDt02014-03-26
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ALBERT R MORRISSETTE
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02014-03-26T06:58:08-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$41,924,156
Liabilities
$33,992,147
Net assets
$7,932,009
Revenue
$1,357,925
Expenses
$1,510,268
Net income
-$152,343
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