Civic Intelligence

Triangle Credit Union

990 • Fiscal year 2020 • EIN 02-0223137

Jan 01, 2020 to Dec 31, 2020 • Filed on Oct 11, 2021

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

99th percentile

0.93x

Higher debt load relative to assets than 99% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Liabilities / Revenue

82nd percentile

23.13x

Higher debt load relative to revenue than 82% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Net Margin

31st percentile

7.7%

Higher net margin than 31% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Top Officer Pay

75th percentile

$572,250

Higher top officer pay than 75% of similar nonprofits.

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

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Asset Growth

29th percentile

15%

Faster asset growth than 29% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Revenue Growth

61st percentile

1.9%

Faster revenue growth than 61% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$826,708,185

Up $105,428,480 (+15%) from 2019

Net Assets

Up

$54,081,169

Up $1,940,812 (+3.7%) from 2019

Liabilities

Up

$772,627,016

Up $103,487,668 (+15%) from 2019

Revenue And Expenses
Liabilities / Revenue82nd percentileNet Margin31st percentile

Revenue

Up

$33,397,590

Up $622,358 (+1.9%) from 2019

Expenses

Up

$30,834,601

Up $935,677 (+3.1%) from 2019

Net Income

Down

$2,562,989

Down $313,319 (-11%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth29th 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

2020

Assets$826,708,185
Liabilities$772,627,016
Net Assets$54,081,169
Open 2020 Filing

Operations Trend

Revenue Growth61st 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

2020

Revenue$33,397,590
Expenses$30,834,601
Net Income$2,562,989
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Oct 11, 2021
Return Version
2020v4.0
Gross Receipts
$136,070,074
Mission and Program Overview

Mission

CREDIT UNION

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$598,180,051$552,898,048▼ $45,282,003
Savings and Temporary Cash Investments$29,704,985$180,413,267▲ $150,708,282
Rtn Earn Endowment Incm Other Fnds$52,140,357$54,081,169▲ $1,940,812
Investments in Publicly Traded Securities$55,269,109$50,887,038▼ $4,382,071
Land, Buildings, and Equipment, Net$11,477,098$11,439,974▼ $37,124
Cash and Non-Interest-Bearing Accounts$6,353,798$5,895,387▼ $458,411
Investments Other Securities$3,354,100$3,354,100→ $0
Prepaid Expenses and Deferred Charges$1,876,408$2,501,943▲ $625,535
Receivables From Officers Etc$1,647,334$1,198,371▼ $448,963
Total Assets$721,279,705$826,708,185▲ $105,428,480
Other Assets Total$13,416,822$18,120,057▲ $4,703,235
Liabilities
Other Liabilities$596,369,282$706,281,520▲ $109,912,238
Mortgage Notes Payable Secured by Investment Property$70,935,036$64,554,494▼ $6,380,542
Accounts Payable and Accrued Expenses$1,752,923$1,639,458▼ $113,465
Escrow Account Liability$82,107$151,544▲ $69,437
Total Liabilities$669,139,348$772,627,016▲ $103,487,668
Net Assets / Fund Balance
Total Net Assets Fund Balance$52,140,357$54,081,169▲ $1,940,812
Total Liabilities and Net Assets / Fund Balance$721,279,705$826,708,185▲ $105,428,480

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,449,321$11,507,669$13,956,990
Buildings$4,281,032$2,803,215$7,084,247
Leasehold Improvements$2,473,474$1,860,747$4,334,221
Land$1,929,202-$1,929,202
Other Land Buildings$306,945$74,984$381,929
Compensation and Service Providers
Top Officer Pay75th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Scott Mac KnightCEO and DireFT$436,955$135,295$572,250
Scott Mac KnightCEO and Director-$370,590$201,660$572,250
Mark WarnerExecutive VPFT$310,223$156,840$467,063
Pamela FordVP of LendinFT$168,427$71,684$240,111
Pamela FordVP of Lending-$140,428$99,683$240,111
Doug TaylorVP SalesFT$105,606$120,089$225,695
John ZiembaSVP CommlendFT$173,114$44,600$217,714
John ZiembaSVP Commlending-$145,889$71,825$217,714
Karin TaylorSVP Human ReFT$163,475$52,274$215,749
Karin TaylorSVP Human Resources-$137,548$78,201$215,749
Jose Rivera HernandezVP of Data SFT$178,294$30,082$208,376
Jose Rivera HernandezVP of Data Services-$150,744$57,632$208,376
Rebecca ThomasSVP MarketinFT$154,345$40,252$194,597
Rebecca ThomasSVP Marketing-$128,621$65,976$194,597
Lisa Van BieneVP of MemberFT$148,636$39,354$187,990
Lisa Van BieneVP of Member Service-$124,816$63,174$187,990
Jason SargeantVP/controlleFT$103,327$19,874$123,201

Board Members and Trustees

NameTitle
Margo CompagnaChairman
David DegulisDirector
Mark RichardsonDirector
Robert DuhaimeDirector
Robert Demers1st Vice Pre
Rebecca MaclennanSecretary
David FredetteTreasurer
Karen WoodVP Finance

Highest Paid Contractors

ContractorServicesLocationCompensation
Health Plans INCMedical InsPO BOX 5199, SUITE 401, Westborough, MA 01581$2,092,890
Ncr CorporationIt-atm14181 COLLECTION CENTER DRIVE, Chicago, IL 60693$1,026,406
Creg-temple Street LLCRent175 CANAL STREET, Manchester, NH 03101$492,111
FiservItPO BOX 99924, Grapevine, TX 76099-9724$466,776
Nea Residential INCLoan Appraisals616 NORTH FRENCH ROAD, Amherst, NY 14228$397,310
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$23,394,282
Investment Income
$2,953,140
Other Revenue
$7,050,168
Change in Net Assets
$2,562,989

Audited Revenue Reconciliation

Revenue per Audited Statements
$33,397,590
Total Revenue per Audited Statements
$33,397,590
Total Revenue per Form 990
$33,397,590
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$17,066,307
Salaries, Compensation, and Employee Benefits$13,768,294
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$8,643,295
Interest---$7,811,193
Current Officers, Directors, Trustees, and Key Employees---$2,652,746
Office Expenses---$2,191,602
Other Employee Benefits---$1,848,691
Information Technology---$1,726,391
Occupancy---$1,332,094
Depreciation Depletion---$1,150,387
Payroll Taxes---$623,562
All Other Expenses---$419,509
Fees for Services Accounting---$165,081
Other Expenses---$149,411
Advertising---$138,429
Insurance---$127,306
Conferences and Meetings---$62,515
Fees for Services Legal---$9,502
Total Functional Expenses$0$0$0$30,834,601

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$30,834,601
Total Expenses per Audited Statements$30,834,601
Total Expenses per Form 990$30,834,601
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$1,647,334$1,198,371▼ $448,963
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposit Accounts$702,675,639
Treasury Draft Due$3,155,865
Deferred Income$416,742
Other Liabilities$33,274
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 35% controlled entity
No
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
Karen Wood
Title
VP Finance
Phone
6038892470
Signed
2021-10-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Scott Mac Knight
Formed
1939
Legal Domicile
Nh
Voting Board Members
8
Independent Board Members
7
Employees
202
Volunteers
7

Preparer

Firm
Garvey Steele & Bancroft Llp
Address
PO BOX 397, MYSTIC, CT 06355-0397
Preparer
Michael R Garvey CPA
Phone
8605369831
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in pension obligation -731,932”

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 718 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/TitleTxt2VP OF LENDIN
IRS990/Form990PartVIISectionAGrp/TitleTxt3VP SALES
IRS990/Form990PartVIISectionAGrp/TitleTxt4SVP COMMLEND
IRS990/Form990PartVIISectionAGrp/TitleTxt5SVP HUMAN RE
IRS990/Form990PartVIISectionAGrp/TitleTxt6VP OF DATA S
IRS990/Form990PartVIISectionAGrp/TitleTxt7SVP MARKETIN
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP OF MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP/CONTROLLE
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt14TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt15SECRETARY
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IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt094593
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IRS990/OtherExpensesGrp/Desc2EQUIPMENT MAINTENANCE
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IRS990/OtherRevenueMiscGrp/Desc2MORTGAGE FEES
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01929202
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt02473474
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01860747
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt04334221
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0306945
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt074984
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0381929
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0702675639
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt13155865
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2416742
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES AND DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1TREASURY DRAFT DUE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2DEFERRED INCOME
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3OTHER LIABILITIES
IRS990ScheduleD/RevenueSubtotalAmt033397590
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MORTGAGE ESCROW ACCOUNTS HELD FOR THE PAYMENT OF REAL ESTATE TAXES FOR MUNICIPALITIES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$826,708,185
Liabilities
$772,627,016
Net assets
$54,081,169
Revenue
$33,397,590
Expenses
$30,834,601
Net income
$2,562,989
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
2020Detailed filing. Detailed filing data is available for this year.$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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