Civic Intelligence

Freudenberg Nok Employees Credit Union

EIN 02-0256463 • 501(c)14 • Bristol, NH

View Organization Page

Bristol, NH
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

98th percentile

0.94x

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

501(c)14 • $1M-$5M nonprofits • Source year 2022

Liabilities / Revenue

98th percentile

36.02x

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

501(c)14 • $1M-$5M nonprofits • Source year 2022

Net Margin

1st percentile

-1193%

Higher net margin than 1% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2022

Top Officer Pay

76th percentile

$94,966

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 224.4% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2022

Asset Growth

35th percentile

-33%

Faster asset growth than 35% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Revenue Growth

35th percentile

-13%

Faster revenue growth than 35% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets98th percentile

Assets

Down

$1,623,586

Down $794,791 (-33%) from 2021

Liabilities

Down

$1,524,137

Down $290,141 (-16%) from 2021

Net Assets

Down

$99,449

Down $504,650 (-84%) from 2021

Operations
Liabilities / Revenue98th percentileNet Margin1st percentile

Revenue

Down

$42,317

Down $6,334 (-13%) from 2021

Expenses

Up

$546,967

Up $435,310 (+390%) from 2021

Net Income

Down

-$504,650

Down $441,644 (-701%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth35th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$3.0M$2.0M$1.0M$0Assets 2011: $2,015,967Liabilities 2011: $1,360,708Net Assets 2011: $655,2592011Assets 2012: $1,982,608Liabilities 2012: $1,326,061Net Assets 2012: $656,5472012Assets 2013: $1,990,108Liabilities 2013: $1,333,560Net Assets 2013: $656,5482013Assets 2014: $2,265,648Liabilities 2014: $1,609,101Net Assets 2014: $656,5482014Assets 2015: $2,462,865Liabilities 2015: $1,807,314Net Assets 2015: $655,5522015Assets 2016: $2,579,894Liabilities 2016: $1,923,306Net Assets 2016: $656,5882016Assets 2017: $2,672,445Liabilities 2017: $2,015,060Net Assets 2017: $657,3842017Assets 2018: $2,760,388Liabilities 2018: $2,103,003Net Assets 2018: $657,3842018Assets 2019: $2,760,388Liabilities 2019: $2,103,003Net Assets 2019: $657,3842019Assets 2020: $2,654,365Liabilities 2020: $1,987,260Net Assets 2020: $667,1052020Assets 2021: $2,418,377Liabilities 2021: $1,814,278Net Assets 2021: $604,0992021Assets 2022: $1,623,586Liabilities 2022: $1,524,137Net Assets 2022: $99,4492022

Highlighted filing

2022

Assets$1,623,586
Liabilities$1,524,137
Net Assets$99,449
Open 2022 Filing

Operations Trend

Revenue Growth35th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.0M$500K$0-$500K-$1.0MRevenue 2011: $75,471Expenses 2011: $70,624Net Income 2011: $4,8472011Revenue 2012: $74,543Expenses 2012: $73,254Net Income 2012: $1,2892012Revenue 2013: $62,708Expenses 2013: $62,708Net Income 2013: $02013Revenue 2014: $58,060Expenses 2014: $58,060Net Income 2014: $02014Revenue 2015: $51,849Expenses 2015: $52,845Net Income 2015: -$9962015Revenue 2016: $47,626Expenses 2016: $46,589Net Income 2016: $1,0372016Revenue 2017: $51,062Expenses 2017: $51,062Net Income 2017: $02017Revenue 2018: $69,771Expenses 2018: $69,770Net Income 2018: $12018Revenue 2019: $69,771Expenses 2019: $69,770Net Income 2019: $12019Revenue 2020: $77,897Expenses 2020: $76,289Net Income 2020: $1,6082020Revenue 2021: $48,651Expenses 2021: $111,657Net Income 2021: -$63,0062021Revenue 2022: $42,317Expenses 2022: $546,967Net Income 2022: -$504,6502022

Highlighted filing

2022

Revenue$42,317
Expenses$546,967
Net Income-$504,650
Open 2022 Filing

Filings

Most recent year

2022 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$1,623,586
Liabilities
$1,524,137
Net assets
$99,449
Revenue
$42,317
Expenses
$546,967
Net income
-$504,650
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.62$1.52$0.10$0.04$0.55$0.50
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.42$1.81$0.60$0.05$0.11$0.06
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.65$1.99$0.67$0.08$0.08$0.00
2019Summary only. Only limited summary data is available for this year.$2.76$2.10$0.66$0.07$0.07$0.00
2018Summary only. Only limited summary data is available for this year.$2.76$2.10$0.66$0.07$0.07$0.00
2017Summary only. Only limited summary data is available for this year.$2.67$2.02$0.66$0.05$0.05$0.00
2016Summary only. Only limited summary data is available for this year.$2.58$1.92$0.66$0.05$0.05$0.00
2015Summary only. Only limited summary data is available for this year.$2.46$1.81$0.66$0.05$0.05$0.00
2014Summary only. Only limited summary data is available for this year.$2.27$1.61$0.66$0.06$0.06$0.00
2013Summary only. Only limited summary data is available for this year.$1.99$1.33$0.66$0.06$0.06$0.00
2012Summary only. Only limited summary data is available for this year.$1.98$1.33$0.66$0.07$0.07$0.00
2011Summary only. Only limited summary data is available for this year.$2.02$1.36$0.66$0.08$0.07$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
May 9, 2023
Return Version
2022v5.0
Gross Receipts
$42,317
Mission and Program Overview

Mission

Provide our members with savings accounts and low interest loans.

Provide members with low cost loans savings.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,216,719$728,741▼ $487,978
Other Notes and Loans Receivable, Net$792,735$466,472▼ $326,263
Cash and Non-Interest-Bearing Accounts$389,100$410,075▲ $20,975
Cap Stk Tr Prin Current Funds$141,723$141,723→ $0
Investments Program Related$19,823$17,720▼ $2,103
Prepaid Expenses and Deferred Charges$0$578▲ $578
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Land, Buildings, and Equipment, Net$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Rtn Earn Endowment Incm Other Fnds$462,376$-42,274▼ $504,650
Total Assets$2,418,377$1,623,586▼ $794,791
Other Assets Total$0$0→ $0
Liabilities
Other Liabilities$1,771,970$1,523,704▼ $248,266
Accounts Payable and Accrued Expenses$42,308$433▼ $41,875
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$1,814,278$1,524,137▼ $290,141
Net Assets / Fund Balance
Total Net Assets Fund Balance$604,099$99,449▼ $504,650
Total Liabilities and Net Assets / Fund Balance$2,418,377$1,623,586▼ $794,791
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleBaseTotal
Melissa Sharp-greatchusManager-treasurer$94,966$94,966

Board Members and Trustees

NameTitle
Rene LefebvrePresident
Chris CarsonVise President
Evan DuaneBoard Member
Larry DentonBoard Member
Ninette NormandinBoard Member
Patti BartletBoard Member
Letty TowneBaord Member
Michelle McguireSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$31,980
Investment Income
$9,713
Other Revenue
$624
All Other Contributions
$0
Change in Net Assets
$-504,650
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$62,019
Other Expenses$28,817
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$0--$456,131
Current Officers, Directors, Trustees, and Key Employees$0$0$0$54,151
Office Expenses$0$0$0$24,879
Other Employee Benefits$0$0$0$7,868
Fees for Services Accounting$0$0$0$3,425
Total Functional Expenses$0$0$0$546,967
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Liabolity$1,523,704
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
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

Part VI, Line 7A

“At our annual meeting the members and board can approve”

Part VI, Line 12C

“Policies are reviewed yearly”

Part VI, Line 15

“All raises are approved by the board of directors”

Filing and Contact Details

Filer

Filer Name
Freudenberg-nok Employees Credit Union
EIN
02-0256463
In Care Of
% MELISSA SHARPGREATCHUS
Phone
6037441617
Address
450 PLEASANT ST, BRISTOL, NH 03222-3012

Signing Officer

Name
Melissa Sharp Greatchus
Title
Manager-Treas
Signed
2023-05-09
Discuss with paid preparer
No

Organization Details

Principal Officer
Melissa Sharpgreatchus
Formed
1956
Legal Domicile
Nh
Voting Board Members
0
Independent Board Members
0
Employees
2
Volunteers
8
Raw XML AppendixShowing 400 of 588 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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