Civic Intelligence

Triangle Credit Union

990 • Fiscal year 2013 • EIN 02-0223137

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 14, 2014

Organization ProfileTRIANGLECU.ORG

View Organization Page

33 Franklin StreetNashua, NH 03064

(603) 889-2470

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.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

73rd percentile

20.77x

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

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

24th percentile

8.7%

Higher net margin than 24% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

69th percentile

$444,341

Higher top officer pay than 69% of similar nonprofits.

Top officer pay equals 2.0% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

51st percentile

4.2%

Faster asset growth than 51% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B 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 / Assets92nd percentile

Assets

Up

$507,845,907

Up $20,432,828 (+4.2%) from 2012

Net Assets

Up

$39,808,658

Up $2,630,297 (+7.1%) from 2012

Liabilities

Up

$468,037,249

Up $17,802,531 (+4.0%) from 2012

Revenue And Expenses
Liabilities / Revenue73rd percentileNet Margin24th percentile

Revenue

$22,530,181

No earlier filing loaded for comparison.

Expenses

Up

$20,578,070

Up $165,924 (+0.8%) from 2012

Net Income

$1,952,111

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth51st percentile

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

$1.0B$500M$0Assets 2010: $459,998,793Liabilities 2010: $426,824,634Net Assets 2010: $33,174,1592010Assets 2011: $486,569,046Liabilities 2011: $452,067,951Net Assets 2011: $34,501,0952011Assets 2012: $487,413,079Liabilities 2012: $450,234,718Net Assets 2012: $37,178,3612012Assets 2013: $507,845,907Liabilities 2013: $468,037,249Net Assets 2013: $39,808,6582013Assets 2014: $523,493,840Liabilities 2014: $482,351,532Net Assets 2014: $41,142,3082014Assets 2015: $572,986,900Liabilities 2015: $530,812,721Net Assets 2015: $42,174,1792015Assets 2016: $630,786,090Liabilities 2016: $586,074,756Net Assets 2016: $44,711,3342016Assets 2017: $665,482,328Liabilities 2017: $618,410,847Net Assets 2017: $47,071,4812017Assets 2018: $682,458,320Liabilities 2018: $633,781,280Net Assets 2018: $48,677,0402018Assets 2019: $721,279,705Liabilities 2019: $669,139,348Net Assets 2019: $52,140,3572019Assets 2020: $826,708,185Liabilities 2020: $772,627,016Net Assets 2020: $54,081,1692020Assets 2021: $877,280,050Liabilities 2021: $818,394,175Net Assets 2021: $58,885,8752021Assets 2022: $916,891,739Liabilities 2022: $869,596,075Net Assets 2022: $47,295,6642022Assets 2023: $865,744,202Liabilities 2023: $811,223,576Net Assets 2023: $54,520,6262023Assets 2024: $842,892,172Liabilities 2024: $778,836,344Net Assets 2024: $64,055,8282024

Highlighted filing

2013

Assets$507,845,907
Liabilities$468,037,249
Net Assets$39,808,658
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$60M$40M$20M$0Expenses 2010: $20,986,6772010Expenses 2011: $21,139,0832011Expenses 2012: $20,412,1462012Revenue 2013: $22,530,181Expenses 2013: $20,578,070Net Income 2013: $1,952,1112013Revenue 2014: $22,602,101Expenses 2014: $20,686,164Net Income 2014: $1,915,9372014Revenue 2015: $24,040,638Expenses 2015: $21,795,208Net Income 2015: $2,245,4302015Revenue 2016: $25,702,929Expenses 2016: $23,526,713Net Income 2016: $2,176,2162016Revenue 2017: $26,888,925Expenses 2017: $24,269,732Net Income 2017: $2,619,1932017Revenue 2018: $29,361,584Expenses 2018: $25,670,284Net Income 2018: $3,691,3002018Revenue 2019: $32,775,232Expenses 2019: $29,898,924Net Income 2019: $2,876,3082019Revenue 2020: $33,397,590Expenses 2020: $30,834,601Net Income 2020: $2,562,9892020Revenue 2021: $30,352,425Expenses 2021: $26,994,903Net Income 2021: $3,357,5222021Revenue 2022: $30,787,097Expenses 2022: $28,733,042Net Income 2022: $2,054,0552022Revenue 2023: $37,384,452Expenses 2023: $36,369,358Net Income 2023: $1,015,0942023Revenue 2024: $41,674,251Expenses 2024: $39,869,730Net Income 2024: $1,804,5212024

Highlighted filing

2013

Revenue$22,530,181
Expenses$20,578,070
Net Income$1,952,111
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 14, 2014
Return Version
2013v3.1
Gross Receipts
$24,199,786
Mission and Program Overview

Mission

CREDIT UNION

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$351,571,265$384,849,734▲ $33,278,469
Investments in Publicly Traded Securities$82,644,646$77,023,624▼ $5,621,022
Rtn Earn Endowment Incm Other Fnds$37,178,361$39,808,658▲ $2,630,297
Savings and Temporary Cash Investments$22,433,749$11,109,740▼ $11,324,009
Land, Buildings, and Equipment, Net$6,719,461$9,301,570▲ $2,582,109
Cash and Non-Interest-Bearing Accounts$5,947,524$6,064,494▲ $116,970
Prepaid Expenses and Deferred Charges$1,075,174$2,102,917▲ $1,027,743
Receivables From Officers Etc$1,419,602$1,260,717▼ $158,885
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$487,413,079$507,845,907▲ $20,432,828
Other Assets Total$15,601,658$16,133,111▲ $531,453
Liabilities
Other Liabilities$411,180,890$426,066,722▲ $14,885,832
Mortgage Notes Payable Secured by Investment Property$38,000,000$41,154,000▲ $3,154,000
Accounts Payable and Accrued Expenses$839,015$492,713▼ $346,302
Escrow Account Liability$214,813$323,814▲ $109,001
Total Liabilities$450,234,718$468,037,249▲ $17,802,531
Net Assets / Fund Balance
Total Net Assets Fund Balance$37,178,361$39,808,658▲ $2,630,297
Total Liabilities and Net Assets / Fund Balance$487,413,079$507,845,907▲ $20,432,828

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$1,768,433$7,019,377$8,787,810
Buildings$5,164,365$1,482,568$6,646,933
Leasehold Improvements$680,824$1,061,073$1,741,897
Land$1,660,432-$1,660,432
Equipment$27,516$34,932$62,448
Compensation and Service Providers
Top Officer Pay69th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Maurice D Simard JrTreasurerFT$364,070$80,271$444,341
Mark WarnerExecutive VPFT$186,093$55,730$241,823
Clayton Rush JrVP of HrFT$107,673$40,573$148,246
Gary M JanindaVP of IsFT$108,161$32,707$140,868
Pamela FordVP of LendingFT$108,193$25,960$134,153
Richard LavoieVP of MarketingFT$100,014$30,127$130,141

Board Members and Trustees

NameTitle
Norman HolderChairman
Mitchell P UtellDirector
Rebecca S MaclennanDirector
Mark Richardson1st VP
David C Degulis2nd Vice Pres.
Margo CompagnaSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Maple Leaf Construction Co INCConstruction-$1,142,094
Anthem Blue Cross Blue ShieldHealth Insuranace-$1,085,424
Digital InsightIt-$662,342
Xp SystemsIt-$295,208
Dell MarketingIt-$217,616
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$16,783,405
Investment Income
$1,029,462
Other Revenue
$4,717,314
Change in Net Assets
$1,952,111

Audited Revenue Reconciliation

Revenue per Audited Statements
$22,530,181
Total Revenue per Audited Statements
$22,530,181
Total Revenue per Form 990
$22,530,181
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$11,808,836
Salaries, Compensation, and Employee Benefits$8,769,234
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$5,760,847-$5,760,847
Interest$3,875,592$1,300,168-$5,175,760
Current Officers, Directors, Trustees, and Key Employees-$1,239,572-$1,239,572
Office Expenses-$1,160,251-$1,160,251
Information Technology-$1,111,022-$1,111,022
Other Employee Benefits-$1,086,729-$1,086,729
Depreciation Depletion-$841,556-$841,556
Occupancy-$826,498-$826,498
All Other Expenses-$711,935-$711,935
Payroll Taxes-$530,991-$530,991
Advertising-$212,944-$212,944
Other Expenses-$174,430-$174,430
Conferences and Meetings-$161,913-$161,913
Pension Plan Contributions-$151,095-$151,095
Fees for Services Accounting-$118,205-$118,205
Insurance-$103,948-$103,948
Fees for Services Legal-$17,872-$17,872
Total Functional Expenses$3,875,592$16,702,478$0$20,578,070

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$20,578,070
Total Expenses per Audited Statements$20,578,070
Total Expenses per Form 990$20,578,070
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Hampshire Hills Fitness CenterDirector BusinessRoom Rental for MeetingNo$1,527

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,419,602$1,260,717▼ $158,885
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposits$422,873,827
Treasury Draft Due$1,884,133
Deferred Income$1,237,543
Other Liabilities$71,219
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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Persons who meet the requirements of the organization's field of membership who hold at least one share of the capital.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“No, due to the timing of the board meeting we will not be able to present it to them for review. It will be present at the next board meeting.the 990 is presented by the treasurer/president to the board of directors. Each line item is discussed.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“REVIEWED ANNUALLY.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The personnel committee, which is made up of of selected board members meet in the fourth quarter of every year to review data presented by the vp of human resources. The data reviewed is obtained by a third party who analyze job positions based on the same responsibility criteria. This information is used to determine salaries for all other positions as well. Generally, salaries range between 80% and 120% of the pay scale provided. The committee subsequently makes a recommendation to the full board of directors.note: the compensation provider's data is collected from several well know salary surveys.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“The personnel committee, which is made up of of selected board members meet in the fourth quarter of every year to review data presented by the vp of human resources. The data reviewed is obtained by a third party who analyze job positions based on the same responsibility criteria. This information is used to determine salaries for all other positions as well. Generally, salaries range between 80% and 120% of the pay scale provided. The committee subsequently makes a recommendation to the full board of directors.note: the compensation provider's data is collected from several well know salary surveys.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Information is posted at credit union branches and available upon request and at annual meeting.”

Filing and Contact Details

Filer

EIN
02-0223137
Phone
6038892470

Signing Officer

Name
A Scott Macknight
Title
VP of Finance
Signed
2014-08-14
Discuss with paid preparer
Yes

Organization Details

Voting Board Members
7
Independent Board Members
6
Employees
204
Volunteers
6

Preparer

Preparer
Robert Anderson
Phone
9782329300
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Change in fas115- unrealized gain/loss = -$283547”

Other Changes In Net Assets Or Fund Balances - Other Increases

“Change in pension obligation = $961733”

Financial Statement Notes

Part IV, Line 2B: Explanation of escrow account liability

“Mortgage escrow accounts held for the payment of real estate taxes for municipalities.”

Raw XML AppendixShowing 400 of 701 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/Form990PartVIISectionAGrp/TitleTxt1Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt31ST VP
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt52nd Vice Pres.
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7EXECUTIVE VP
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP OF MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP OF HR
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP OF LENDING
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IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt01300168
IRS990/InterestGrp/ProgramServicesAmt03875592
IRS990/InterestGrp/TotalAmt05175760
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
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IRS990/IRPDocumentCnt010967
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt09301570
IRS990/LandBldgEquipCostOrOtherBssAmt018899520
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IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt0117755
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0220282
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt0102527
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt041154000
IRS990/NetAssetsOrFundBalancesBOYAmt037178361
IRS990/NetAssetsOrFundBalancesEOYAmt039808658
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt086950
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt086950
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0-51876
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt0826498
IRS990/OccupancyGrp/TotalAmt0826498
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt01160251
IRS990/OfficeExpensesGrp/TotalAmt01160251
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IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt015601658
IRS990/OtherAssetsTotalGrp/EOYAmt016133111
IRS990/OtherChangesInNetAssetsAmt0678186
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt01086729
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01086729
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOSSES
IRS990/OtherExpensesGrp/Desc1NCUA STABILIZATION EXPENSE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3Postage and Shipping
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0744900
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1251642
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2195960
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3174430
IRS990/OtherExpensesGrp/TotalAmt0744900
IRS990/OtherExpensesGrp/TotalAmt1251642
IRS990/OtherExpensesGrp/TotalAmt2195960
IRS990/OtherExpensesGrp/TotalAmt3174430
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IRS990/OtherRevenueMiscGrp/Desc0FAS91 NET ORIGINATION FEE
IRS990/OtherRevenueMiscGrp/Desc1MEMBER FEES & CHARGES
IRS990/OtherRevenueMiscGrp/Desc2OTHER INCOME
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IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2648087
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt13713288
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2648087
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IRS990/PayrollTaxesGrp/TotalAmt0530991
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt016783405
IRS990/ProgSrvcAccomActy2Grp/Desc0MAKING LOANS TO MEMEBERS AT MARKET RATES OF INTEREST. NUMBER OF ACCOUNTS - 15,928.
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IRS990/ProhibitedTaxShelterTransInd0false
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IRS990/PYInvestmentIncomeAmt01752577
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IRS990/PYOtherRevenueAmt04243594
IRS990/PYProgramServiceRevenueAmt017166106
IRS990/PYRevenuesLessExpensesAmt02750131
IRS990/PYSalariesCompEmpBnftPaidAmt08253869
IRS990/PYTotalExpensesAmt020412146
IRS990/PYTotalRevenueAmt023162277
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IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01419602
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01260717
IRS990/ReconcilationRevenueExpnssAmt01952111
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt011109740
IRS990/ScheduleBRequiredInd0false
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IRS990ScheduleD/BuildingsGrp/BookValueAmt05164365
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01482568

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$507,845,907
Liabilities
$468,037,249
Net assets
$39,808,658
Revenue
$22,530,181
Expenses
$20,578,070
Net income
$1,952,111
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$843$779$64.1$41.7$39.9$1.80
2023Detailed filing. Detailed filing data is available for this year.$866$811$54.5$37.4$36.4$1.02
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$917$870$47.3$30.8$28.7$2.05
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$877$818$58.9$30.4$27.0$3.36
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$827$773$54.1$33.4$30.8$2.56
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$721$669$52.1$32.8$29.9$2.88
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$682$634$48.7$29.4$25.7$3.69
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$665$618$47.1$26.9$24.3$2.62
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$631$586$44.7$25.7$23.5$2.18
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$573$531$42.2$24.0$21.8$2.25
2014Detailed filing. Detailed filing data is available for this year.$523$482$41.1$22.6$20.7$1.92
2013Detailed filing. Detailed filing data is available for this year.$508$468$39.8$22.5$20.6$1.95
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$487$450$37.2$20.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$487$452$34.5$21.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$460$427$33.2$21.0
Peer Organizations

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