Civic Intelligence

Triangle Credit Union

990 • Fiscal year 2015 • EIN 02-0223137

Jan 01, 2015 to Dec 31, 2015 • Filed on Oct 31, 2016

Organization ProfileWWW.TRIANGLECU.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

98th percentile

0.93x

Higher debt load relative to assets than 98% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

80th percentile

22.08x

Higher debt load relative to revenue than 80% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

29th percentile

9.3%

Higher net margin than 29% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

70th percentile

$491,814

Higher top officer pay than 70% of similar nonprofits.

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

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

76th percentile

9.5%

Faster asset growth than 76% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

58th percentile

6.4%

Faster revenue growth than 58% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets98th percentile

Assets

Up

$572,986,900

Up $49,493,060 (+9.5%) from 2014

Net Assets

Up

$42,174,179

Up $1,031,871 (+2.5%) from 2014

Liabilities

Up

$530,812,721

Up $48,461,189 (+10%) from 2014

Revenue And Expenses
Liabilities / Revenue80th percentileNet Margin29th percentile

Revenue

Up

$24,040,638

Up $1,438,537 (+6.4%) from 2014

Expenses

Up

$21,795,208

Up $1,109,044 (+5.4%) from 2014

Net Income

Up

$2,245,430

Up $329,493 (+17%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth76th 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

2015

Assets$572,986,900
Liabilities$530,812,721
Net Assets$42,174,179
Open 2015 Filing

Operations Trend

Revenue Growth58th percentile

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

2015

Revenue$24,040,638
Expenses$21,795,208
Net Income$2,245,430
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Oct 31, 2016
Return Version
2015v2.0
Gross Receipts
$25,986,417
Mission and Program Overview

Mission

CREDIT UNION

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$415,200,861$492,323,647▲ $77,122,786
Rtn Earn Endowment Incm Other Fnds$41,142,308$42,174,179▲ $1,031,871
Investments in Publicly Traded Securities$55,967,914$29,767,876▼ $26,200,038
Savings and Temporary Cash Investments$16,911,681$13,666,845▼ $3,244,836
Land, Buildings, and Equipment, Net$9,496,636$9,161,186▼ $335,450
Cash and Non-Interest-Bearing Accounts$5,482,496$7,726,136▲ $2,243,640
Receivables From Officers Etc$1,578,185$1,466,799▼ $111,386
Prepaid Expenses and Deferred Charges$1,780,872$1,030,699▼ $750,173
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$523,493,840$572,986,900▲ $49,493,060
Other Assets Total$17,075,195$17,843,712▲ $768,517
Liabilities
Other Liabilities$433,976,591$464,516,952▲ $30,540,361
Mortgage Notes Payable Secured by Investment Property$47,784,000$65,566,297▲ $17,782,297
Accounts Payable and Accrued Expenses$477,978$582,035▲ $104,057
Escrow Account Liability$112,963$147,437▲ $34,474
Total Liabilities$482,351,532$530,812,721▲ $48,461,189
Net Assets / Fund Balance
Total Net Assets Fund Balance$41,142,308$42,174,179▲ $1,031,871
Total Liabilities and Net Assets / Fund Balance$523,493,840$572,986,900▲ $49,493,060

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$1,753,876$8,373,311$10,127,187
Buildings$4,879,438$1,835,047$6,714,485
Land$1,929,202-$1,929,202
Leasehold Improvements$586,876$1,191,913$1,778,789
Equipment$11,794$51,253$63,047
Compensation and Service Providers
Top Officer Pay70th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Maurice D Simard JrTreasurerFT$356,043$104,786$491,814
Mark WarnerExecutive VPFT$218,659$78,309$296,968
Clayton Rush JrVP of HrFT$108,575$99,201$176,791
Gary M JanindaVP of IsFT$107,760$50,250$158,010
Pamela FordVP of LendingFT$118,787$30,596$149,383
John ZiembaSVP Commer LendingFT$107,546$14,431$121,977
Richard LavoieVP of MarketingFT$109,308$7,591$116,899

Board Members and Trustees

NameTitle
Norman HolderChairman
David C DegulisDirector
David FredetteDirector
Jules BraymanDirector
Robert DuhaimeDirector
Mark Richardson1st VP
Margo Compagna2nd VP
Rebecca S MaclennanSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Harvard Pilgrim Health CareHealth InsurancePO BOX 970050, Boston, MA 02297$830,892
Digital InsightInformation TechnolPO BOX 515306, Los Angeles, CA 90051$776,227
Health Plans INCHealth InsuranacePO BOX 5199, Westborough, MA 01581$409,549
FiservCore Operting SystemPO BOX 99924, Grapevine, TX 76099-9724$320,017
Lee & Mason Financial Services INCInsurancePO BOX 270, Northville, NY 12134$299,655
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$18,191,465
Investment Income
$760,911
Other Revenue
$5,088,262
Change in Net Assets
$2,245,430

Audited Revenue Reconciliation

Revenue per Audited Statements
$24,040,638
Total Revenue per Audited Statements
$24,040,638
Total Revenue per Form 990
$24,040,638
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$11,968,509
Salaries, Compensation, and Employee Benefits$9,826,699
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$6,585,598-$6,585,598
Interest$3,116,139$1,371,580-$4,487,719
Current Officers, Directors, Trustees, and Key Employees-$1,511,842-$1,511,842
Office Expenses-$1,365,371-$1,365,371
Information Technology-$1,283,464-$1,283,464
Other Employee Benefits-$1,158,258-$1,158,258
Occupancy-$1,013,202-$1,013,202
Depreciation Depletion-$944,412-$944,412
All Other Expenses-$627,249-$627,249
Payroll Taxes-$571,001-$571,001
Other Expenses-$207,524-$207,524
Advertising-$176,372-$176,372
Conferences and Meetings-$162,682-$162,682
Fees for Services Accounting-$119,708-$119,708
Insurance-$106,007-$106,007
Fees for Services Legal-$15,997-$15,997
Total Functional Expenses$3,116,139$18,679,069$0$21,795,208

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$21,795,208
Total Expenses per Audited Statements$21,795,208
Total Expenses per Form 990$21,795,208
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

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,578,185$1,466,799▼ $111,386
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposits$460,349,977
Treasury Draft Due$2,256,374
Deferred Income$1,876,687
Other Liabilities$33,914
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

Filer Name
Triangle Credit Union
EIN
02-0223137
Phone
6038892470
Address
33 FRANKLIN STREET, NASHUA, NH 03064

Signing Officer

Name
A Scott Macknight
Title
VP of Finance
Signed
2016-10-31
Discuss with paid preparer
Yes

Organization Details

Formed
1939
Legal Domicile
Nh
Voting Board Members
9
Independent Board Members
8
Employees
210
Volunteers
8

Preparer

Firm
Robert Anderson & Company Pc
Address
138 DODGE ST, BEVERLY, MA 01915-1866
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 = -$0”

Other Changes In Net Assets Or Fund Balances - Other Increases

“Change in fas115- unrealized gain/loss = $133163”

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Change in pension obligation = -$1346722”

Amended Return

“The amended return reflects the reporting of Unrelated Business Income on Part I, Line 7B and Part VIII, Line 11a and 11e.”

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 787 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/TitleTxt8Director
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IRS990/Form990PartVIISectionAGrp/TitleTxt10VP OF MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP OF HR
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF LENDING
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Document Assets

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Filings

Displayed year

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

Open filing
Assets
$572,986,900
Liabilities
$530,812,721
Net assets
$42,174,179
Revenue
$24,040,638
Expenses
$21,795,208
Net income
$2,245,430
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
2015Detailed filing. Detailed filing data is available for this year.$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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