Civic Intelligence

Triangle Credit Union

990 • Fiscal year 2018 • EIN 02-0223137

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 14, 2019

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.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

89th percentile

21.59x

Higher debt load relative to revenue than 89% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

39th percentile

13%

Higher net margin than 39% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

73rd percentile

$508,300

Higher top officer pay than 73% of similar nonprofits.

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

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

35th percentile

2.6%

Faster asset growth than 35% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

40th percentile

9.2%

Faster revenue growth than 40% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets98th percentile

Assets

Up

$682,458,320

Up $16,975,992 (+2.6%) from 2017

Net Assets

Up

$48,677,040

Up $1,605,559 (+3.4%) from 2017

Liabilities

Up

$633,781,280

Up $15,370,433 (+2.5%) from 2017

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin39th percentile

Revenue

Up

$29,361,584

Up $2,472,659 (+9.2%) from 2017

Expenses

Up

$25,670,284

Up $1,400,552 (+5.8%) from 2017

Net Income

Up

$3,691,300

Up $1,072,107 (+41%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth35th 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

2018

Assets$682,458,320
Liabilities$633,781,280
Net Assets$48,677,040
Open 2018 Filing

Operations Trend

Revenue Growth40th 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

2018

Revenue$29,361,584
Expenses$25,670,284
Net Income$3,691,300
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 14, 2019
Return Version
2018v3.1
Gross Receipts
$38,235,697
Mission and Program Overview

Mission

CREDIT UNION

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$547,501,637$585,074,292▲ $37,572,655
Investments in Publicly Traded Securities$64,024,208$50,930,988▼ $13,093,220
Rtn Earn Endowment Incm Other Fnds$47,071,481$48,677,040▲ $1,605,559
Savings and Temporary Cash Investments$16,899,132$10,867,289▼ $6,031,843
Land, Buildings, and Equipment, Net$9,231,313$9,930,006▲ $698,693
Cash and Non-Interest-Bearing Accounts$9,160,025$7,263,962▼ $1,896,063
Investments Other Securities$3,496,500$3,547,100▲ $50,600
Receivables From Officers Etc$1,314,293$1,701,121▲ $386,828
Prepaid Expenses and Deferred Charges$2,300,973$1,508,090▼ $792,883
Total Assets$665,482,328$682,458,320▲ $16,975,992
Other Assets Total$11,554,247$11,635,472▲ $81,225
Liabilities
Other Liabilities$557,925,960$563,991,434▲ $6,065,474
Mortgage Notes Payable Secured by Investment Property$59,514,987$68,709,011▲ $9,194,024
Accounts Payable and Accrued Expenses$907,788$939,816▲ $32,028
Escrow Account Liability$62,112$141,019▲ $78,907
Total Liabilities$618,410,847$633,781,280▲ $15,370,433
Net Assets / Fund Balance
Total Net Assets Fund Balance$47,071,481$48,677,040▲ $1,605,559
Total Liabilities and Net Assets / Fund Balance$665,482,328$682,458,320▲ $16,975,992

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,667,887$10,109,134$11,777,021
Buildings$4,501,867$2,404,778$6,906,645
Leasehold Improvements$926,536$1,534,603$2,461,139
Land$1,929,202-$1,929,202
Other Land Buildings$904,514$63,047$967,561
Compensation and Service Providers
Top Officer Pay73rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Maurice SimardFormer CEO/tFT$494,377$13,923$508,300
Maurice SimardFormer CEO/treasurer-$450,866$109,547$508,300
Mark WarnerExecutive VPFT$270,374$57,498$365,069
Gary M JanindaVP of IsFT$118,315$25,806$171,223
Scott Mac KnightCFOFT$140,798$32,524$170,398
Pamela FordVP of LendinFT$131,392$30,388$161,780
Pamela FordVP of Lending-$122,453$48,589$161,780
John ZiembbaSVP CommlendFT$125,902$18,177$144,079
Lisa Van BieneVP of MemberFT$108,616$20,371$128,987

Board Members and Trustees

NameTitle
Margo CompagnaChairman
Mark RichardsonVice Chairpe
David DegulisDirector
David FredetteDirector
Rick HolderDirector
Robert DuhaimeDirector
Robert Demers2nd Vice Pre
Rebecca MaclennanSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Ncr CorporationIt-atm474/4 COLLECTION CENTER DRIVE, SUITE 401, Chicago, IL 60693$914,295
Symquest GroupItPO BOX 2384, South Burlington, VT 05407$709,810
FiservItPO BOX 99924, Graoevine, TX 76099-9724$564,409
Creg-temple Street LLCRent175 CANAL STREET, Manchester, NH 03101$441,408
Lee & Mason Financial ServicesVsiPO BOX 270, Northville, NY 12134$381,465
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$21,335,167
Investment Income
$1,580,363
Other Revenue
$6,446,054
Change in Net Assets
$3,691,300

Audited Revenue Reconciliation

Revenue per Audited Statements
$29,361,584
Total Revenue per Audited Statements
$29,361,584
Total Revenue per Form 990
$29,361,584
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$14,501,363
Salaries, Compensation, and Employee Benefits$11,168,921
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,023,310
Interest---$6,437,803
Other Employee Benefits---$1,896,818
Office Expenses---$1,833,754
Current Officers, Directors, Trustees, and Key Employees---$1,649,834
Information Technology---$1,510,922
Occupancy---$1,141,784
Depreciation Depletion---$919,470
Payroll Taxes---$598,959
All Other Expenses---$459,233
Conferences and Meetings---$219,019
Other Expenses---$208,766
Advertising---$167,338
Fees for Services Accounting---$155,302
Insurance---$111,122
Fees for Services Legal---$15,776
Total Functional Expenses$0$0$0$25,670,284

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$25,670,284
Total Expenses per Audited Statements$25,670,284
Total Expenses per Form 990$25,670,284
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,314,293$1,701,121▲ $386,828
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposit Accounts$561,899,288
Treasury Draft Due$1,483,728
Deferred Income$548,554
Other Liabilities$59,864
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

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

Form 990, Page 6, Part VI, Line 7A

“Each member has a vote at the election of the board of directors.”

Form 990, Page 6, Part VI, Line 7B

“Any changes to the incorporating documents, ie. Bylaws are approved by the membership.”

Form 990, Page 6, Part VI, Line 11B

“Due to the timing of board meetings and return filing the return may not be presented to the entire board for review prior to filing. Instead, it is reviewed by the cfo who authorizes its filing. The filed form 990 is then reviewed by the entire board at the next regularly scheduled meeting.”

Form 990, Page 6, Part VI, Line 12C

“REVIEWED ANNUALLY.”

Form 990, Page 6, Part VI, Line 15A

“The personnel committee which is made up 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 known salary surveys.”

Form 990, Page 6, Part VI, Line 15B

“The personnel committee which is made up 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 known salary surveys.”

Form 990, Page 6, Part VI, Line 19

“Information is posted at credit union branches and available upon request and at the 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
Mark Warner
Title
Executive VP
Phone
6038892470
Signed
2019-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mark Warner
Formed
1939
Legal Domicile
Nh
Voting Board Members
9
Independent Board Members
8
Employees
216
Volunteers
8

Preparer

Firm
Garvey Steele & Company Llp
Address
PO BOX 397, MYSTIC, CT 06355-0397
Preparer
Richard B Steele CPA
Phone
8605369831
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in pension obligation -1,245,223”

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

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

Raw XML AppendixShowing 400 of 720 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/TitleTxt10CFO
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IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF IS
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IRS990/PrincipalOfficerNm0MARK WARNER
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Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$682,458,320
Liabilities
$633,781,280
Net assets
$48,677,040
Revenue
$29,361,584
Expenses
$25,670,284
Net income
$3,691,300
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
2018Detailed filing. Detailed filing data is available for this year.$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