Civic Intelligence

Granite State Credit Union

990 • Fiscal year 2019 • EIN 02-0227484

Jan 01, 2019 to Dec 31, 2019 • Filed on Apr 27, 2020

Organization Profilewww.gscu.org

View Organization Page

1415 Elm StreetManchester, NH 03101

(603) 668-2221

Siviq Scores

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

Liabilities / Assets

84th percentile

0.91x

Higher debt load relative to assets than 84% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

22nd percentile

13.82x

Higher debt load relative to revenue than 22% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

54th percentile

15%

Higher net margin than 54% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

91st percentile

$955,825

Higher top officer pay than 91% of similar nonprofits.

Top officer pay equals 3.4% of source-year revenue.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Asset Growth

32nd percentile

4.6%

Faster asset growth than 32% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

71st percentile

12%

Faster revenue growth than 71% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets84th percentile

Assets

Up

$433,003,273

Up $18,855,029 (+4.6%) from 2018

Net Assets

Up

$39,097,631

Up $4,557,048 (+13%) from 2018

Liabilities

Up

$393,905,642

Up $14,297,981 (+3.8%) from 2018

Revenue And Expenses
Liabilities / Revenue22nd percentileNet Margin54th percentile

Revenue

Up

$28,498,476

Up $3,078,418 (+12%) from 2018

Expenses

Up

$24,357,416

Up $2,271,250 (+10%) from 2018

Net Income

Up

$4,141,060

Up $807,168 (+24%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth32nd percentile

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

$800M$600M$400M$200M$0Assets 2010: $278,713,364Liabilities 2010: $257,047,221Net Assets 2010: $21,666,1432010Assets 2011: $289,948,154Liabilities 2011: $267,258,646Net Assets 2011: $22,689,5082011Assets 2012: $306,836,488Liabilities 2012: $282,539,354Net Assets 2012: $24,297,1342012Assets 2013: $325,626,139Liabilities 2013: $300,031,887Net Assets 2013: $25,594,2522013Assets 2014: $333,620,974Liabilities 2014: $305,790,701Net Assets 2014: $27,830,2732014Assets 2015: $362,924,693Liabilities 2015: $334,853,093Net Assets 2015: $28,071,6002015Assets 2016: $372,190,742Liabilities 2016: $342,656,514Net Assets 2016: $29,534,2282016Assets 2017: $388,820,933Liabilities 2017: $357,445,842Net Assets 2017: $31,375,0912017Assets 2018: $414,148,244Liabilities 2018: $379,607,661Net Assets 2018: $34,540,5832018Assets 2019: $433,003,273Liabilities 2019: $393,905,642Net Assets 2019: $39,097,6312019Assets 2020: $530,155,859Liabilities 2020: $487,048,474Net Assets 2020: $43,107,3852020Assets 2021: $601,479,230Liabilities 2021: $553,179,661Net Assets 2021: $48,299,5692021Assets 2022: $634,204,646Liabilities 2022: $583,464,737Net Assets 2022: $50,739,9092022Assets 2023: $697,041,831Liabilities 2023: $639,730,511Net Assets 2023: $57,311,3202023Assets 2024: $706,477,311Liabilities 2024: $642,204,892Net Assets 2024: $64,272,4192024Assets 2025: $744,839,651Liabilities 2025: $675,067,748Net Assets 2025: $69,771,9032025

Highlighted filing

2019

Assets$433,003,273
Liabilities$393,905,642
Net Assets$39,097,631
Open 2019 Filing

Operations Trend

Revenue Growth71st percentile

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

$60M$40M$20M$0Expenses 2010: $16,125,2142010Revenue 2011: $16,941,210Expenses 2011: $16,174,071Net Income 2011: $767,1392011Expenses 2012: $16,015,0772012Revenue 2013: $17,751,745Expenses 2013: $16,112,737Net Income 2013: $1,639,0082013Revenue 2014: $18,544,256Expenses 2014: $16,530,704Net Income 2014: $2,013,5522014Revenue 2015: $19,433,634Expenses 2015: $18,982,142Net Income 2015: $451,4922015Revenue 2016: $20,574,536Expenses 2016: $19,063,654Net Income 2016: $1,510,8822016Revenue 2017: $22,228,100Expenses 2017: $20,325,829Net Income 2017: $1,902,2712017Revenue 2018: $25,420,058Expenses 2018: $22,086,166Net Income 2018: $3,333,8922018Revenue 2019: $28,498,476Expenses 2019: $24,357,416Net Income 2019: $4,141,0602019Revenue 2020: $29,297,971Expenses 2020: $25,601,506Net Income 2020: $3,696,4652020Revenue 2021: $31,794,091Expenses 2021: $26,112,975Net Income 2021: $5,681,1162021Revenue 2022: $34,223,432Expenses 2022: $29,408,308Net Income 2022: $4,815,1242022Revenue 2023: $43,417,675Expenses 2023: $36,911,263Net Income 2023: $6,506,4122023Revenue 2024: $48,937,891Expenses 2024: $42,725,659Net Income 2024: $6,212,2322024Revenue 2025: $52,131,425Expenses 2025: $47,108,295Net Income 2025: $5,023,1302025

Highlighted filing

2019

Revenue$28,498,476
Expenses$24,357,416
Net Income$4,141,060
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Apr 27, 2020
Return Version
2019v5.0
Gross Receipts
$28,640,700
Mission and Program Overview

Mission

Deposits and lending to credit union members

Deposits and lending to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$337,839,180$358,639,437▲ $20,800,257
Rtn Earn Endowment Incm Other Fnds$34,540,583$39,097,631▲ $4,557,048
Savings and Temporary Cash Investments$17,994,420$19,730,076▲ $1,735,656
Land, Buildings, and Equipment, Net$18,773,908$17,649,950▼ $1,123,958
Investments Other Securities$16,523,739$12,930,899▼ $3,592,840
Cash and Non-Interest-Bearing Accounts$3,269,893$4,085,040▲ $815,147
Receivables From Officers Etc$3,028,324$2,840,318▼ $188,006
Prepaid Expenses and Deferred Charges$795,971$670,679▼ $125,292
Accounts Receivable$36,835$69,476▲ $32,641
Pledges and Grants Receivable-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$414,148,244$433,003,273▲ $18,855,029
Other Assets Total$15,885,974$16,387,398▲ $501,424
Liabilities
Other Liabilities$375,916,056$390,292,605▲ $14,376,549
Accounts Payable and Accrued Expenses$3,691,605$3,613,037▼ $78,568
Total Liabilities$379,607,661$393,905,642▲ $14,297,981
Net Assets / Fund Balance
Total Net Assets Fund Balance$34,540,583$39,097,631▲ $4,557,048
Total Liabilities and Net Assets / Fund Balance$414,148,244$433,003,273▲ $18,855,029

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$11,002,566$5,912,585$16,915,151
Equipment$2,777,652$11,214,255$13,991,907
Land$3,686,947-$3,686,947
Leasehold Improvements$33,062$276,865$309,927
Other Land Buildings$149,723$0$149,723
Compensation and Service Providers
Top Officer Pay91st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Denise L BarstowPresident/CEOFT$357,067$626,377$983,444
Robert A FleuryExecutive Vice PresidentFT$239,610$116,605$356,215
Michele M PlazaExecutive Vice PresidentFT$222,147$115,237$337,384
Karen L LaPlumeExecutive Vice PresidentFT$160,896$68,375$229,271
Lisa R BarowskiVice President/ControllerFT$146,543$37,911$184,454
Lisa M ReederVP TechnologyFT$137,247$3,194$140,441
Dennis A HebertVP Culture and Employee EngagementFT$133,135$5,931$139,066
Lisa D EganVice President - HR&TrainingFT$127,290$7,846$135,136
Tracey A HealeyVice President - OperationsFT$132,142$2,134$134,276
David HarringtonFormer Officer-$79,656$46,718$126,374

Board Members and Trustees

NameTitle
Allen PatteeChairman
Bruce Wiggett SrBoard Member
Deborah VandebergheBoard Member
Gerard FerrariBoard Member
Lorrie PiperBoard Member
Margie HodesBoard Member
Paul RamseyBoard Member
Renee CrawfordBoard Member

Highest Paid Contractors

ContractorServicesLocationCompensation
SnowCap Technologies LLCInformation Technology600 Market Street, Lynnfield, MA 01940$641,794
Beliveau & FradetteLegal91 Bay Street, Manchester, NH 03101$109,636
John PapciakJanitorial12 Parker Way, Suite 688, Auburn, NH 03032$102,077
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$18,686,352
Investment Income
$774,284
Other Revenue
$9,037,840
Change in Net Assets
$4,141,060

Audited Revenue Reconciliation

Revenue per Audited Statements
$28,498,476
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$73,877
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$28,572,353
Total Revenue per Form 990
$28,498,476
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$12,484,451
Salaries, Compensation, and Employee Benefits$11,872,965
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,003,169
Other Expenses---$2,135,561
Depreciation Depletion---$1,948,341
Current Officers, Directors, Trustees, and Key Employees---$1,743,244
Other Employee Benefits---$1,725,746
Information Technology---$1,579,716
Occupancy---$875,735
Office Expenses---$849,681
Fees for Services Other---$804,611
Pension Plan Contributions---$789,003
Payroll Taxes---$611,803
Advertising---$265,651
Insurance---$113,558
Fees for Services Accounting---$111,219
Conferences and Meetings---$79,391
All Other Expenses---$77,336
Travel---$48,931
Fees for Services Legal---$14,337
Total Functional Expenses$0$0$0$24,357,416

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$24,431,293
Expenses per Audited Statements$24,357,416
Total Expenses per Form 990$24,357,416
Expenses Not Reported on Form 990$73,877
Expenses Not Reported on Financial Statements$0
Other Expense Adjustments$0
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$3,028,324$2,840,318▼ $188,006
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Deposits$390,292,605
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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“We currently have 42152 members”

Form 990, Part VI, Section A, Line 7A

“The Board of Directors are elected at the Annual Meeting of the membership”

Form 990, Part VI, Section B, Line 11B

“Form 990 is reviewed by the Executive Vice President”

Form 990, Part VI, Section B, Line 12C

“Employees and volunteers are required to sign the policy when hired and on an annual basis”

Form 990, Part VI, Section B, Line 15

“Compensation is determined by grade and level for each position”

Form 990, Part VI, Section C, Line 19

“Documents are available upon request”

Filing and Contact Details

Filer

Filer Name
Granite State Credit Union
EIN
02-0227484
Phone
6036682221
Address
1415 Elm Street, Manchester, NH 03101

Signing Officer

Name
Robert Fleury
Title
Executive Vice President/CFO
Phone
6036682221
Signed
2020-04-27

Organization Details

Principal Officer
Denise L Barstow
Formed
1945
Legal Domicile
Nh
Voting Board Members
9
Independent Board Members
8
Employees
183
Volunteers
10
Supplemental Narrative

Financial Statement Notes

Schedule D, Part XI, Line 2D

“Donations”

Schedule D, Part XII, Line 2D

“Donations”

Raw XML AppendixShowing 400 of 740 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt03691605
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt03613037
IRS990/AccountsReceivableGrp/BOYAmt036835
IRS990/AccountsReceivableGrp/EOYAmt069476
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Deposits and lending to members
IRS990/AdvertisingGrp/TotalAmt0265651
IRS990/AllOtherExpensesGrp/TotalAmt077336
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0Granite State Credit Union
IRS990/BooksInCareOfDetail/PhoneNum06036682221
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01415 Elm Street
IRS990/BooksInCareOfDetail/USAddress/CityNm0Manchester
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NH
IRS990/BooksInCareOfDetail/USAddress/ZIPCd003101
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt03269893
IRS990/CashNonInterestBearingGrp/EOYAmt04085040
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt03
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01743244
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt079391
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0102077
IRS990/ContractorCompensationGrp/CompensationAmt1109636
IRS990/ContractorCompensationGrp/CompensationAmt2641794
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt012 Parker Way
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt191 Bay Street
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2600 Market Street
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine2Txt0Suite 688
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0Auburn
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1Manchester
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2Lynnfield
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0NH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1NH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2MA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd003032
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd103101
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd201940
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0John Papciak
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1Beliveau & Fradette
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2SnowCap Technologies LLC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine2Txt0DBA P&S Janitorial
IRS990/ContractorCompensationGrp/ServicesDesc0Janitorial
IRS990/ContractorCompensationGrp/ServicesDesc1Legal
IRS990/ContractorCompensationGrp/ServicesDesc2Information Technology
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0774284
IRS990/CYOtherExpensesAmt012484451
IRS990/CYOtherRevenueAmt09037840
IRS990/CYProgramServiceRevenueAmt018686352
IRS990/CYRevenuesLessExpensesAmt04141060
IRS990/CYSalariesCompEmpBnftPaidAmt011872965
IRS990/CYTotalExpensesAmt024357416
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt028498476
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt01948341
IRS990/Desc0Deposits and lending to credit union members
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0183
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0111219
IRS990/FeesForServicesLegalGrp/TotalAmt014337
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt0804611
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt130
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt140
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt150
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt160
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt170
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt845
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt945
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1045
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1145
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1245
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1345
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1445
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1545
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1645
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt170
IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt87286
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt99018
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt109009
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt118123
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt122341
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt133194
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt145931
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt152134
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt167846
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt173265
IRS990/Form990PartVIISectionAGrp/PersonNm0Allen Pattee
IRS990/Form990PartVIISectionAGrp/PersonNm1Paul Ramsey
IRS990/Form990PartVIISectionAGrp/PersonNm2Gerard Ferrari
IRS990/Form990PartVIISectionAGrp/PersonNm3Margie Hodes
IRS990/Form990PartVIISectionAGrp/PersonNm4Deborah Vandeberghe
IRS990/Form990PartVIISectionAGrp/PersonNm5Renee Crawford
IRS990/Form990PartVIISectionAGrp/PersonNm6Bruce Wiggett Sr
IRS990/Form990PartVIISectionAGrp/PersonNm7Lorrie Piper
IRS990/Form990PartVIISectionAGrp/PersonNm8Denise L Barstow
IRS990/Form990PartVIISectionAGrp/PersonNm9Robert A Fleury
IRS990/Form990PartVIISectionAGrp/PersonNm10Michele M Plaza
IRS990/Form990PartVIISectionAGrp/PersonNm11Karen L LaPlume
IRS990/Form990PartVIISectionAGrp/PersonNm12Lisa R Barowski
IRS990/Form990PartVIISectionAGrp/PersonNm13Lisa M Reeder
IRS990/Form990PartVIISectionAGrp/PersonNm14Dennis A Hebert
IRS990/Form990PartVIISectionAGrp/PersonNm15Tracey A Healey
IRS990/Form990PartVIISectionAGrp/PersonNm16Lisa D Egan
IRS990/Form990PartVIISectionAGrp/PersonNm17David Harrington
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8948539
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9310613
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10295649
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11188443
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12167740
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13137247
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14133135
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15132142
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16127290
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17106795
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9Executive Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt10Executive Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt11Executive Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt12Vice President/Controller
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP Technology
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP Culture and Employee Engagement
IRS990/Form990PartVIISectionAGrp/TitleTxt15Vice President - Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt16Vice President - HR&Training
IRS990/Form990PartVIISectionAGrp/TitleTxt17Former Officer
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01945
IRS990/FormerOfcrEmployeesListedInd01
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt028640700
IRS990/GrossRentsGrp/PersonalAmt00
IRS990/GrossRentsGrp/RealAmt0277223
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt015
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01579716
IRS990/InsuranceGrp/TotalAmt0113558
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt0774284
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0774284
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt016523739
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt012930899
IRS990/IRPDocumentCnt07210
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt017403705
IRS990/LandBldgEquipBasisNetGrp/BOYAmt018773908
IRS990/LandBldgEquipBasisNetGrp/EOYAmt017649950
IRS990/LandBldgEquipCostOrOtherBssAmt035053655
IRS990/LegalDomicileStateCd0NH
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt0142224
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt08724060
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt08902841
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt0178781
IRS990/MissionDesc0Deposits and lending to credit union members
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt034540583
IRS990/NetAssetsOrFundBalancesEOYAmt039097631
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0134999
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0134999
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt058966
IRS990/NetUnrlzdGainsLossesInvstAmt0415988
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0875735
IRS990/OfficeExpensesGrp/TotalAmt0849681
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt015885974
IRS990/OtherAssetsTotalGrp/EOYAmt016387398
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01725746
IRS990/OtherExpensesGrp/Desc0Provision Funding
IRS990/OtherExpensesGrp/Desc1Loan servicing
IRS990/OtherExpensesGrp/Desc2Dividends paid to members
IRS990/OtherExpensesGrp/Desc3ATM program/Checking expense
IRS990/OtherExpensesGrp/TotalAmt01000000
IRS990/OtherExpensesGrp/TotalAmt11095873
IRS990/OtherExpensesGrp/TotalAmt21484510
IRS990/OtherExpensesGrp/TotalAmt32135561
IRS990/OtherLiabilitiesGrp/BOYAmt0375916056
IRS990/OtherLiabilitiesGrp/EOYAmt0390292605
IRS990/OtherOrganizationDsc0Non-profit
IRS990/OtherRevenueTotalAmt08902841
IRS990/OtherSalariesAndWagesGrp/TotalAmt07003169
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0337839180
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0358639437
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0611803
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0789003
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0795971
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0670679
IRS990/PrincipalOfficerNm0Denise L Barstow
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0Income on loans
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt018686352
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt018686352
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0411739
IRS990/PYOtherExpensesAmt010569802
IRS990/PYOtherRevenueAmt08659902
IRS990/PYProgramServiceRevenueAmt016348417
IRS990/PYRevenuesLessExpensesAmt03333892
IRS990/PYSalariesCompEmpBnftPaidAmt011516364
IRS990/PYTotalExpensesAmt022086166
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt025420058
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt03028324
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt02840318
IRS990/ReconcilationRevenueExpnssAmt04141060
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt0134999
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt034540583
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt039097631
IRS990/SavingsAndTempCashInvstGrp/BOYAmt017994420
IRS990/SavingsAndTempCashInvstGrp/EOYAmt019730076
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt011002566
IRS990ScheduleD/BuildingsGrp/DepreciationAmt05912585
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$433,003,273
Liabilities
$393,905,642
Net assets
$39,097,631
Revenue
$28,498,476
Expenses
$24,357,416
Net income
$4,141,060
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$745$675$69.8$52.1$47.1$5.02
2024Detailed filing. Detailed filing data is available for this year.$706$642$64.3$48.9$42.7$6.21
2023Detailed filing. Detailed filing data is available for this year.$697$640$57.3$43.4$36.9$6.51
2022Detailed filing. Detailed filing data is available for this year.$634$583$50.7$34.2$29.4$4.82
2021Detailed filing. Detailed filing data is available for this year.$601$553$48.3$31.8$26.1$5.68
2020Detailed filing. Detailed filing data is available for this year.$530$487$43.1$29.3$25.6$3.70
2019Detailed filing. Detailed filing data is available for this year.$433$394$39.1$28.5$24.4$4.14
2018Detailed filing. Detailed filing data is available for this year.$414$380$34.5$25.4$22.1$3.33
2017Detailed filing. Detailed filing data is available for this year.$389$357$31.4$22.2$20.3$1.90
2016Detailed filing. Detailed filing data is available for this year.$372$343$29.5$20.6$19.1$1.51
2015Detailed filing. Detailed filing data is available for this year.$363$335$28.1$19.4$19.0$0.45
2014Detailed filing. Detailed filing data is available for this year.$334$306$27.8$18.5$16.5$2.01
2013Detailed filing. Detailed filing data is available for this year.$326$300$25.6$17.8$16.1$1.64
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$307$283$24.3$16.0
2011Summary only. Only limited summary data is available for this year.$290$267$22.7$16.9$16.2$0.77
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$279$257$21.7$16.1