Civic Intelligence

Service Credit Union

990 • Fiscal year 2014 • EIN 02-0240752

Jan 01, 2014 to Dec 31, 2014 • Filed on Oct 23, 2015

Organization ProfileWWW.SERVICECU.ORG

View Organization Page

3003 Lafayette RoadPortsmouth, NH 03801

(603) 422-8300

Siviq Scores

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

Liabilities / Assets

20th percentile

0.88x

Higher debt load relative to assets than 20% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Liabilities / Revenue

15th percentile

16.47x

Higher debt load relative to revenue than 15% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Net Margin

30th percentile

16%

Higher net margin than 30% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Top Officer Pay

93rd percentile

$2,173,052

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 1.6% of source-year revenue.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Asset Growth

65th percentile

8.1%

Faster asset growth than 65% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2013 to 2014

Revenue Growth

27th percentile

0.6%

Faster revenue growth than 27% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets20th percentile

Assets

Up

$2,539,043,112

Up $191,011,807 (+8.1%) from 2013

Net Assets

Up

$311,824,705

Up $22,605,502 (+7.8%) from 2013

Liabilities

Up

$2,227,218,407

Up $168,406,305 (+8.2%) from 2013

Revenue And Expenses
Liabilities / Revenue15th percentileNet Margin30th percentile

Revenue

Up

$135,230,335

Up $748,922 (+0.6%) from 2013

Expenses

Down

$113,387,922

Down $282,594 (-0.2%) from 2013

Net Income

Up

$21,842,413

Up $1,031,516 (+5.0%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth65th percentile

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

$4.0B$3.0B$2.0B$1.0B$0Assets 2010: $1,747,812,577Liabilities 2010: $1,532,686,822Net Assets 2010: $215,125,7552010Assets 2011: $1,979,083,679Liabilities 2011: $1,733,533,638Net Assets 2011: $245,550,0412011Assets 2012: $2,205,519,032Liabilities 2012: $1,931,476,238Net Assets 2012: $274,042,7942012Assets 2013: $2,348,031,305Liabilities 2013: $2,058,812,102Net Assets 2013: $289,219,2032013Assets 2014: $2,539,043,112Liabilities 2014: $2,227,218,407Net Assets 2014: $311,824,7052014Assets 2015: $2,776,344,174Liabilities 2015: $2,442,607,892Net Assets 2015: $333,736,2822015Assets 2016: $3,029,052,948Liabilities 2016: $2,675,985,068Net Assets 2016: $353,067,8802016Assets 2017: $3,249,124,832Liabilities 2017: $2,867,933,029Net Assets 2017: $381,191,8032017Assets 2018: $3,502,730,439Liabilities 2018: $3,088,020,339Net Assets 2018: $414,710,1002018Assets 2019: $3,821,189,390Liabilities 2019: $3,373,231,836Net Assets 2019: $447,957,5542019Assets 2020: $0Liabilities 2020: $0Net Assets 2020: $02020

Highlighted filing

2014

Assets$2,539,043,112
Liabilities$2,227,218,407
Net Assets$311,824,705
Open 2014 Filing

Operations Trend

Revenue Growth27th percentile

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

$1.0B$500M$0-$500MExpenses 2010: $96,559,0282010Expenses 2011: $100,385,0782011Expenses 2012: $107,303,2902012Revenue 2013: $134,481,413Expenses 2013: $113,670,516Net Income 2013: $20,810,8972013Revenue 2014: $135,230,335Expenses 2014: $113,387,922Net Income 2014: $21,842,4132014Revenue 2015: $139,482,525Expenses 2015: $120,570,847Net Income 2015: $18,911,6782015Revenue 2016: $152,043,485Expenses 2016: $129,836,566Net Income 2016: $22,206,9192016Revenue 2017: $166,962,952Expenses 2017: $141,341,926Net Income 2017: $25,621,0262017Revenue 2018: $190,069,385Expenses 2018: $154,341,217Net Income 2018: $35,728,1682018Revenue 2019: $212,206,611Expenses 2019: $174,349,235Net Income 2019: $37,857,3762019Revenue 2020: $158,075,310Expenses 2020: $609,472,276Net Income 2020: -$451,396,9662020

Highlighted filing

2014

Revenue$135,230,335
Expenses$113,387,922
Net Income$21,842,413
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Oct 23, 2015
Return Version
2014v5.0
Gross Receipts
$135,230,335
Mission and Program Overview

Mission

Doing what is right for our members by improving financial well-being, supporting communities we serve and creating value and enduring relationships.

Credit union operated without profit for mutual purposes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,557,316,447$1,804,983,020▲ $247,666,573
Rtn Earn Endowment Incm Other Fnds$289,219,203$311,824,705▲ $22,605,502
Investments Program Related$344,824,393$300,330,043▼ $44,494,350
Savings and Temporary Cash Investments$248,094,021$225,432,209▼ $22,661,812
Land, Buildings, and Equipment, Net$85,308,858$88,442,583▲ $3,133,725
Accounts Receivable$30,140,227$35,118,601▲ $4,978,374
Cash and Non-Interest-Bearing Accounts$18,426,457$19,699,887▲ $1,273,430
Prepaid Expenses and Deferred Charges$2,613,569$6,071,251▲ $3,457,682
Intangible Assets$0$474,644▲ $474,644
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,348,031,305$2,539,043,112▲ $191,011,807
Other Assets Total$61,307,333$58,490,874▼ $2,816,459
Liabilities
Other Liabilities$1,843,361,456$2,016,759,855▲ $173,398,399
Mortgage Notes Payable Secured by Investment Property$172,171,687$167,939,285▼ $4,232,402
Accounts Payable and Accrued Expenses$43,278,959$42,519,267▼ $759,692
Total Liabilities$2,058,812,102$2,227,218,407▲ $168,406,305
Net Assets / Fund Balance
Total Net Assets Fund Balance$289,219,203$311,824,705▲ $22,605,502
Total Liabilities and Net Assets / Fund Balance$2,348,031,305$2,539,043,112▲ $191,011,807

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$55,781,944$9,848,158$65,630,102
Equipment$12,966,457$19,003,329$31,969,786
Land$16,327,660-$16,327,660
Leasehold Improvements$3,366,522$5,195,204$8,561,726
Investment Program Related Org$300,330,043--
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gordon SimmonsPresident/CEOFT$726,944$1,446,108$2,173,052
William NewmanExecutive Vice PresidentFT$340,353$432,898$773,251
Fawn TerwilligerVP LendingFT$220,100$169,684$389,784
William ArnoldCIOFT$221,323$154,427$375,750
Karen BenedettiVP MarketingFT$185,786$177,450$363,236
Thomas JoyceVP Overseas OperationsFT$208,428$154,340$362,768
Dan ClarkeVP Member ServicesFT$192,538$139,651$332,189
Philip Von StreicherVP Overseas Branch AdminisFT$181,450$148,856$330,306
Joanne NadeauVP Human ResourcesFT$191,030$110,723$301,753
Andrew McgeorgeCFOFT$187,127$114,561$301,688
Patrick HarriganVP Regulatory ComplianceFT$172,115$120,009$292,124
Ana ForetCROFT$154,172$111,336$265,508
Michael BergeronVP LogisticsFT$141,593$95,268$236,861
Fred CurleyFormer VP of Human Resources-$198,499$26,927$225,426
Scott WensleyFormer CFO-$188,040$34,350$222,390
Jay SippAvp ItFT$126,204$52,672$178,876
Satish MehtaAvp ItFT$124,987$47,782$172,769
David Van RossumVice ChairmanPT$18,219-$18,219
Joanne WhitingAssociate DirectorPT$15,527-$15,527
Clifford TaylorChairmanPT$10,874-$10,874
Barbara RobergeDirectorPT$10,245-$10,245
David HanchettDirectorPT$1,062-$1,062

Highest Paid Contractors

ContractorServicesLocationCompensation
Digital InsightHome Banking & Online Bill PayPO BOX 515306, Los Angeles, CA 90051$4,654,506
Keenan And AssociatesBuilding Construction And Renovation7 ROSE LANE, Atkinson, NH 03811$2,912,103
Ncr CorporationAtm Provider And Maintenance Support For14181 COLLECTIONS CENTER DRIVE, Chicago, IL 60693$1,356,417
RewardsnowMaintains Tracking Of Points/gifts On Cr383 CENTRAL AVENUE SUITE 350, Dover, NH 03820$1,219,399
Fiserv Solutions INCAtm Network Provider, Core Systems ProviPO BOX 99924, Grapevine, TX 76099-9724$962,320
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$135,230,335
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$21,842,413
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$68,295,783
Salaries, Compensation, and Employee Benefits$45,092,139
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses---$36,479,797
Other Salaries and Wages---$26,184,862
Interest---$16,695,626
Current Officers, Directors, Trustees, and Key Employees---$7,353,658
Other Employee Benefits---$6,712,309
Depreciation Depletion---$5,048,987
Occupancy---$4,607,636
Advertising---$3,696,294
Pension Plan Contributions---$2,525,495
Payroll Taxes---$2,315,815
Office Expenses---$691,691
Travel---$485,420
Insurance---$463,265
Fees for Services Legal---$111,089
Conferences and Meetings---$15,978
Total Functional Expenses$0$0$0$113,387,922
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Accounts$1,213,231,879
Other Certificates$718,484,942
Ira Certificates$85,043,034
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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Service credit union is owned by its members.”

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

“A meeting open to all members is held each spring where all members have the opportunity to vote on candidates for the board of directors.”

Form 990, Part VI, Section B, Line 11

“The form 990 is reviewed by the controller, cfo, and ceo prior to submission.”

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

“Volunteers must disclose to the board of directors annually any involvement with organizations which do business with the credit union.”

Form 990, Part VI, Section B, Line 15

“The compensation committee gathers data from outside sources and reviews survey and other data on a periodic basis.”

Form 990, Part VI, Section C, Line 19

“Service credit union's financials are provided monthly for all members by being posted in each branch location. Our annual report is distributed to all attendees at the annual meeting, provided in each branch location, and is also posted on our website. Members have the right to request and receive pertinent documentation as demanded. Service credit union is a member-owned cooperative and as such pertinent business documentation is always provided as requested by members.”

Filing and Contact Details

Filer

Filer Name
Service Credit Union
EIN
02-0240752
Phone
6034228300
Address
3003 LAFAYETTE ROAD, PORTSMOUTH, NH 03801

Signing Officer

Name
Gordon Simmons
Title
CEO
Phone
6034228300
Signed
2015-10-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gordon Simmons
Formed
1957
Legal Domicile
Nh
Voting Board Members
5
Independent Board Members
4
Employees
898
Volunteers
14

Preparer

Firm
Cliftonlarsonallen Llp
Address
20 E THOMAS RD STE 2300, PHOENIX, AZ 85012
Preparer
Janis Isaacson
Phone
6022662248
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Other comprehensive income -1,860,241. Unrealized gain/loss on availible for sale securities 2,623,330.”

FORM 990, PART XII, LINE 2C:

“The supervisory committee oversees the audited financial statements.”

Raw XML AppendixShowing 400 of 786 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/PersonNm7ANDREW MCGEORGE
IRS990/Form990PartVIISectionAGrp/PersonNm8WILLIAM ARNOLD
IRS990/Form990PartVIISectionAGrp/PersonNm9ANA FORET
IRS990/Form990PartVIISectionAGrp/PersonNm10FAWN TERWILLIGER
IRS990/Form990PartVIISectionAGrp/PersonNm11DAN CLARKE
IRS990/Form990PartVIISectionAGrp/PersonNm12KAREN BENEDETTI
IRS990/Form990PartVIISectionAGrp/PersonNm13THOMAS JOYCE
IRS990/Form990PartVIISectionAGrp/PersonNm14PHILIP VON STREICHER
IRS990/Form990PartVIISectionAGrp/PersonNm15JOANNE NADEAU
IRS990/Form990PartVIISectionAGrp/PersonNm16PATRICK HARRIGAN
IRS990/Form990PartVIISectionAGrp/PersonNm17MICHAEL BERGERON
IRS990/Form990PartVIISectionAGrp/PersonNm18SATISH MEHTA
IRS990/Form990PartVIISectionAGrp/PersonNm19JAY SIPP
IRS990/Form990PartVIISectionAGrp/PersonNm20FRED CURLEY
IRS990/Form990PartVIISectionAGrp/PersonNm21SCOTT WENSLEY
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5ASSOCIATE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6EXECUTIVE VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt7CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CRO
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP MEMBER SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP OVERSEAS OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP OVERSEAS BRANCH ADMINIS
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP REGULATORY COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP LOGISTICS
IRS990/Form990PartVIISectionAGrp/TitleTxt18AVP IT
IRS990/Form990PartVIISectionAGrp/TitleTxt19AVP IT
IRS990/Form990PartVIISectionAGrp/TitleTxt20FORMER VP OF HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt21FORMER CFO
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IRS990/GrantsToOrganizationsInd00
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IRS990/IncludeFIN48FootnoteInd00
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IRS990/IndoorTanningServicesInd00
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IRS990/InfoInScheduleOPartXIIInd0X
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IRS990/IntangibleAssetsGrp/EOYAmt0474644
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IRS990/InvestmentInJointVentureInd00
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IRS990/InvestmentsProgramRelatedGrp/EOYAmt0300330043
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IRS990/IRPDocumentW2GCnt00
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IRS990/LoanOutstandingInd00
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IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt0167939285
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IRS990/NetUnrelatedBusTxblIncmAmt076517
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt04607636
IRS990/OfficeExpensesGrp/TotalAmt0691691
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt061307333
IRS990/OtherAssetsTotalGrp/EOYAmt058490874
IRS990/OtherChangesInNetAssetsAmt0763089
IRS990/OtherEmployeeBenefitsGrp/TotalAmt06712309
IRS990/OtherExpensesGrp/Desc0OPERATIONS
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IRS990/OtherSalariesAndWagesGrp/TotalAmt026184862
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01804983020
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt02315815
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
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IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt016327660
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt03366522
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt05195204
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt08561726
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt085043034
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0IRA CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1OTHER CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE ACCOUNTS
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IRS990ScheduleD/TotalBookValueProgramRltdAmt0300330043
IRS990ScheduleD/TotalLiabilityAmt02016759855
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,539,043,112
Liabilities
$2,227,218,407
Net assets
$311,824,705
Revenue
$135,230,335
Expenses
$113,387,922
Net income
$21,842,413
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$158$609$451
2019Detailed filing. Detailed filing data is available for this year.$3,821$3,373$448$212$174$37.9
2018Detailed filing. Detailed filing data is available for this year.$3,503$3,088$415$190$154$35.7
2017Detailed filing. Detailed filing data is available for this year.$3,249$2,868$381$167$141$25.6
2016Detailed filing. Detailed filing data is available for this year.$3,029$2,676$353$152$130$22.2
2015Detailed filing. Detailed filing data is available for this year.$2,776$2,443$334$139$121$18.9
2014Detailed filing. Detailed filing data is available for this year.$2,539$2,227$312$135$113$21.8
2013Detailed filing. Detailed filing data is available for this year.$2,348$2,059$289$134$114$20.8
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,206$1,931$274$107
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,979$1,734$246$100
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,748$1,533$215$96.6