Civic Intelligence

Holy Rosary Regional Credit Union

990 • Fiscal year 2018 • EIN 02-0272024

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 13, 2019

Organization ProfileHRCU.ORG

View Organization Page

133 Brock StreetRochester, NH 03867

(603) 332-6840

Siviq Scores

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

Liabilities / Assets

79th percentile

0.91x

Higher debt load relative to assets than 79% of similar nonprofits.

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

Liabilities / Revenue

62nd percentile

17.86x

Higher debt load relative to revenue than 62% of similar nonprofits.

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

Net Margin

33rd percentile

12%

Higher net margin than 33% of similar nonprofits.

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

Top Officer Pay

19th percentile

$284,208

Higher top officer pay than 19% of similar nonprofits.

Top officer pay equals 2.0% of source-year revenue.

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

Asset Growth

70th percentile

6.4%

Faster asset growth than 70% of similar nonprofits.

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

Revenue Growth

56th percentile

12%

Faster revenue growth than 56% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$281,975,528

Up $16,916,485 (+6.4%) from 2017

Net Assets

Up

$25,923,093

Up $1,651,124 (+6.8%) from 2017

Liabilities

Up

$256,052,435

Up $15,265,361 (+6.3%) from 2017

Revenue And Expenses
Liabilities / Revenue62nd percentileNet Margin33rd percentile

Revenue

Up

$14,336,225

Up $1,554,863 (+12%) from 2017

Expenses

Up

$12,677,291

Up $1,738,896 (+16%) from 2017

Net Income

Down

$1,658,934

Down $184,033 (-10.0%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth70th percentile

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

$600M$400M$200M$0Assets 2010: $162,995,633Liabilities 2010: $149,725,097Net Assets 2010: $13,270,5362010Assets 2011: $172,330,407Liabilities 2011: $157,757,001Net Assets 2011: $14,573,4062011Assets 2012: $184,614,229Liabilities 2012: $168,604,780Net Assets 2012: $16,009,4492012Assets 2013: $193,202,026Liabilities 2013: $175,969,618Net Assets 2013: $17,232,4082013Assets 2014: $206,230,773Liabilities 2014: $187,645,695Net Assets 2014: $18,585,0782014Assets 2015: $223,292,265Liabilities 2015: $202,843,894Net Assets 2015: $20,448,3712015Assets 2016: $247,756,729Liabilities 2016: $225,296,718Net Assets 2016: $22,460,0112016Assets 2017: $265,059,043Liabilities 2017: $240,787,074Net Assets 2017: $24,271,9692017Assets 2018: $281,975,528Liabilities 2018: $256,052,435Net Assets 2018: $25,923,0932018Assets 2019: $309,146,063Liabilities 2019: $281,776,454Net Assets 2019: $27,369,6092019Assets 2020: $336,061,351Liabilities 2020: $307,931,726Net Assets 2020: $28,129,6252020Assets 2021: $399,129,935Liabilities 2021: $368,980,229Net Assets 2021: $30,149,7062021Assets 2022: $413,178,224Liabilities 2022: $385,360,835Net Assets 2022: $27,817,3892022Assets 2023: $423,821,520Liabilities 2023: $390,954,814Net Assets 2023: $32,866,7062023Assets 2024: $441,131,635Liabilities 2024: $402,637,899Net Assets 2024: $38,493,7362024

Highlighted filing

2018

Assets$281,975,528
Liabilities$256,052,435
Net Assets$25,923,093
Open 2018 Filing

Operations Trend

Revenue Growth56th percentile

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

$30M$20M$10M$0Expenses 2010: $7,982,9962010Revenue 2011: $9,121,820Expenses 2011: $7,871,398Net Income 2011: $1,250,4222011Expenses 2012: $8,063,1502012Revenue 2013: $9,768,837Expenses 2013: $8,460,373Net Income 2013: $1,308,4642013Revenue 2014: $10,417,523Expenses 2014: $9,080,881Net Income 2014: $1,336,6422014Revenue 2015: $11,272,172Expenses 2015: $9,418,301Net Income 2015: $1,853,8712015Revenue 2016: $11,836,343Expenses 2016: $9,816,444Net Income 2016: $2,019,8992016Revenue 2017: $12,781,362Expenses 2017: $10,938,395Net Income 2017: $1,842,9672017Revenue 2018: $14,336,225Expenses 2018: $12,677,291Net Income 2018: $1,658,9342018Revenue 2019: $15,761,944Expenses 2019: $14,376,007Net Income 2019: $1,385,9372019Revenue 2020: $15,309,975Expenses 2020: $13,835,256Net Income 2020: $1,474,7192020Revenue 2021: $15,434,385Expenses 2021: $13,427,968Net Income 2021: $2,006,4172021Revenue 2022: $16,865,040Expenses 2022: $14,350,254Net Income 2022: $2,514,7862022Revenue 2023: $20,615,997Expenses 2023: $17,613,404Net Income 2023: $3,002,5932023Revenue 2024: $24,414,908Expenses 2024: $20,590,366Net Income 2024: $3,824,5422024

Highlighted filing

2018

Revenue$14,336,225
Expenses$12,677,291
Net Income$1,658,934
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 13, 2019
Return Version
2018v3.1
Gross Receipts
$14,336,225
Mission and Program Overview

Mission

To be a responsible, community-focused organization members can trust to help them achieve their financial goals by demonstrating compassion, embracing innovation, remaining flexible and delivering exceptional service

To be a responsible, community-focused credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$191,856,825$209,182,476▲ $17,325,651
Savings and Temporary Cash Investments$48,871,801$46,333,102▼ $2,538,699
Rtn Earn Endowment Incm Other Fnds$24,271,969$25,923,093▲ $1,651,124
Land, Buildings, and Equipment, Net$6,731,158$6,909,342▲ $178,184
Investments Other Securities$5,139,437$6,047,644▲ $908,207
Cash and Non-Interest-Bearing Accounts$5,102,076$5,982,587▲ $880,511
Receivables From Officers Etc$5,803,578$5,946,927▲ $143,349
Prepaid Expenses and Deferred Charges$486,089$476,541▼ $9,548
Accounts Receivable$26,654$23,874▼ $2,780
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$265,059,043$281,975,528▲ $16,916,485
Other Assets Total$1,041,425$1,073,035▲ $31,610
Liabilities
Other Liabilities$239,932,132$252,421,942▲ $12,489,810
Mortgage Notes Payable Secured by Investment Property-$2,500,000-
Accounts Payable and Accrued Expenses$854,942$1,130,493▲ $275,551
Unsecured Notes Loans Payable-$0-
Total Liabilities$240,787,074$256,052,435▲ $15,265,361
Net Assets / Fund Balance
Total Net Assets Fund Balance$24,271,969$25,923,093▲ $1,651,124
Total Liabilities and Net Assets / Fund Balance$265,059,043$281,975,528▲ $16,916,485

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,028,271$2,118,052$6,146,323
Other Land Buildings$1,294,757$4,619,554$5,914,311
Leasehold Improvements$721,432$426,948$1,148,380
Land$864,882-$864,882
Compensation and Service Providers
Top Officer Pay19th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brian HughesPresident/CEOFT$239,517$44,691$284,208
Rosemary ShieldsEvp & COOFT$155,063$43,668$198,731
Brian TherrienCFOFT$137,782$8,504$146,286
Chris PatrowiczVP of Human ResourcesFT$98,555$28,737$127,292
Jeanette PoulinVP of MarketingFT$43,127$526$43,653

Board Members and Trustees

NameTitle
Dana FlandersChairman
Ronald VachonVice Chairman
Jean GroverDirector
Leonard PinaultDirector
Paul TurnerDirector
Richard BrunelleDirector
Richard FalardeauDirector
Kathleen SimoneauSecretary
Paul AugerTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
David Whitcher Builder INCBranch Construction Contractor254 DRAKE HILL ROAD, Stafford, NH 03884$105,918
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$13,401,212
Investment Income
$935,013
Other Revenue
$0
Change in Net Assets
$1,658,934

Audited Revenue Reconciliation

Revenue per Audited Statements
$14,336,225
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$14,336,225
Total Revenue per Form 990
$14,336,225
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,475,967
Salaries, Compensation, and Employee Benefits$5,194,574
Grants and Similar Amounts Paid$6,750
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,375,669
Interest---$1,637,338
Current Officers, Directors, Trustees, and Key Employees---$853,142
All Other Expenses---$800,648
Depreciation Depletion---$605,550
Information Technology---$585,091
Other Employee Benefits---$568,866
Occupancy---$419,396
Payroll Taxes---$304,515
Other Expenses---$295,025
Advertising---$277,738
Insurance---$118,778
Office Expenses---$109,076
Fees for Services Legal---$93,156
Pension Plan Contributions---$92,382
Conferences and Meetings---$88,453
Fees for Services Accounting---$79,800
Grants to Domestic Individuals---$6,750
Total Functional Expenses$0$0$0$12,677,291

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$12,677,291
Total Expenses per Audited Statements$12,677,291
Total Expenses per Form 990$12,677,291
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$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$5,803,578$5,946,927▲ $143,349
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$67,867,853
Certificates$66,934,624
Share Drafts$40,135,972
Money Markets$38,602,988
Ira Certificates$13,516,184
Clubs$7,413,872
Ira Shares$6,453,432
Business Share Drafts$6,104,013
Business Money Markets$1,768,663
Hsa Share Drafts$1,640,033
Business Shares$1,302,340
Escrow Clubs$597,119
Student Share Drafts$84,849
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
Yes
Management duties delegated
No

Governance Explanations

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

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

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

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

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

“The cfo reviews the 990 on behalf of the audit committee and then the full board is provided with a copy subsequent to it being filed with the irs.”

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

“Key employees and volunteers are required to disclose information directly to human resources that could be questionable. The conflict of interest policy is reviewed and approved annually at which time employees are required to read and acknowledge their understanding.”

Form 990, Part VI, Section B, Line 15

“The credit union gathers salary survey data from a third party vendor to establish market based salary ranges for each position. The president & ceo salary is reviewed by the board's executive compensation committee. Staff salary increases are based on performance appraisals, goals and credit union performance.”

Form 990, Part VI, Section C, Line 19

“A financial statement summary is posted in the vestibule at all branches and to members who attend the annual meeting. Other information is available upon request.”

Filing and Contact Details

Filer

Filer Name
Holy Rosary Credit Union
EIN
02-0272024
Phone
6033326840
Address
133 BROCK STREET, ROCHESTER, NH 03867

Signing Officer

Name
Brian Therrien
Title
CFO
Phone
6033326840
Signed
2019-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brian Therrien
Formed
1962
Legal Domicile
Nh
Voting Board Members
9
Independent Board Members
9
Employees
105
Volunteers
18

Preparer

Firm
Gerald T Reilly & Company
Address
424 ADAMS STREET, MILTON, MA 02186
Preparer
Stephen a Rollins CPA
Phone
6176968900
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Communications 202,969. Equipment maintenance 132,558. Char contributions 123,762. Education & training 87,158. Credit reports 82,933. Bank fees 44,907. Dues and subscription 39,939. Share draft expense 37,581. State assessment 22,800. Business development 15,632. Member education 7,426. Miscellaneous 1,649. Member appreciation 1,334.”

FORM 990, PART XI, LINE 9:

“CHANGE IN FAS115 -7,810.”

FORM 990, PART XII, LINE 2C:

“Audited financials are prepared by an outside firm as of june 30th and the process has not changed from the previous year.”

Raw XML AppendixShowing 400 of 555 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/BOYAmt0854942
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01130493
IRS990/AccountsReceivableGrp/BOYAmt026654
IRS990/AccountsReceivableGrp/EOYAmt023874
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO BE A RESPONSIBLE, COMMUNITY-FOCUSED CREDIT UNION
IRS990/AdvertisingGrp/TotalAmt0277738
IRS990/AllOtherExpensesGrp/TotalAmt0800648
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0BRIAN THERRIEN
IRS990/BooksInCareOfDetail/PhoneNum06033326840
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0133 BROCK STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0ROCHESTER
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NH
IRS990/BooksInCareOfDetail/USAddress/ZIPCd003867
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt05102076
IRS990/CashNonInterestBearingGrp/EOYAmt05982587
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt01
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0853142
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt088453
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0105918
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0254 DRAKE HILL ROAD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0STAFFORD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0NH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd003884
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0DAVID WHITCHER BUILDER INC
IRS990/ContractorCompensationGrp/ServicesDesc0BRANCH CONSTRUCTION CONTRACTOR
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt06750
IRS990/CYInvestmentIncomeAmt0935013
IRS990/CYOtherExpensesAmt07475967
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt013401212
IRS990/CYRevenuesLessExpensesAmt01658934
IRS990/CYSalariesCompEmpBnftPaidAmt05194574
IRS990/CYTotalExpensesAmt012677291
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt014336225
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0605550
IRS990/Desc0MAINTENANCE OF MEMBERS' SHARE, DEPOSIT, AND LOAN ACCOUNTS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd01
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0105
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt079800
IRS990/FeesForServicesLegalGrp/TotalAmt093156
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt82.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt945.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1045.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1145.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1245.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1345.00
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/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd8X
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/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt924691
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1024754
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt118504
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1228737
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt13526
IRS990/Form990PartVIISectionAGrp/PersonNm0DANA FLANDERS
IRS990/Form990PartVIISectionAGrp/PersonNm1RONALD VACHON
IRS990/Form990PartVIISectionAGrp/PersonNm2PAUL AUGER
IRS990/Form990PartVIISectionAGrp/PersonNm3KATHLEEN SIMONEAU
IRS990/Form990PartVIISectionAGrp/PersonNm4RICHARD BRUNELLE
IRS990/Form990PartVIISectionAGrp/PersonNm5JEAN GROVER
IRS990/Form990PartVIISectionAGrp/PersonNm6RICHARD FALARDEAU
IRS990/Form990PartVIISectionAGrp/PersonNm7PAUL TURNER
IRS990/Form990PartVIISectionAGrp/PersonNm8LEONARD PINAULT
IRS990/Form990PartVIISectionAGrp/PersonNm9BRIAN HUGHES
IRS990/Form990PartVIISectionAGrp/PersonNm10ROSEMARY SHIELDS
IRS990/Form990PartVIISectionAGrp/PersonNm11BRIAN THERRIEN
IRS990/Form990PartVIISectionAGrp/PersonNm12CHRIS PATROWICZ
IRS990/Form990PartVIISectionAGrp/PersonNm13JEANETTE POULIN
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/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9259517
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10173977
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11137782
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1298555
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1343127
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/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10EVP & COO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP OF MARKETING
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01962
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt06750
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt014336225
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0585091
IRS990/InsuranceGrp/TotalAmt0118778
IRS990/InterestGrp/TotalAmt01637338
IRS990/InvestmentIncomeGrp/ExclusionAmt0935013
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0935013
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt05139437
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt06047644
IRS990/IRPDocumentCnt07223
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt07164554
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06731158
IRS990/LandBldgEquipBasisNetGrp/EOYAmt06909342
IRS990/LandBldgEquipCostOrOtherBssAmt014073896
IRS990/LegalDomicileStateCd0NH
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO BE A RESPONSIBLE, COMMUNITY-FOCUSED ORGANIZATION MEMBERS CAN TRUST TO HELP THEM ACHIEVE THEIR FINANCIAL GOALS BY DEMONSTRATING COMPASSION, EMBRACING INNOVATION, REMAINING FLEXIBLE AND DELIVERING EXCEPTIONAL SERVICE
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt02500000
IRS990/NetAssetsOrFundBalancesBOYAmt024271969
IRS990/NetAssetsOrFundBalancesEOYAmt025923093
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0419396
IRS990/OfficeExpensesGrp/TotalAmt0109076
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01041425
IRS990/OtherAssetsTotalGrp/EOYAmt01073035
IRS990/OtherChangesInNetAssetsAmt0-7810
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0568866
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2DEBIT CARD EXPENSE
IRS990/OtherExpensesGrp/Desc3OUTSIDE SERVICES
IRS990/OtherExpensesGrp/TotalAmt0831160
IRS990/OtherExpensesGrp/TotalAmt1773893
IRS990/OtherExpensesGrp/TotalAmt2760865
IRS990/OtherExpensesGrp/TotalAmt3295025
IRS990/OtherLiabilitiesGrp/BOYAmt0239932132
IRS990/OtherLiabilitiesGrp/EOYAmt0252421942
IRS990/OtherSalariesAndWagesGrp/TotalAmt03375669
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0191856825
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0209182476
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0304515
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt092382
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0486089
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0476541
IRS990/PrincipalOfficerNm0BRIAN THERRIEN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/BusinessCd3900099
IRS990/ProgramServiceRevenueGrp/BusinessCd4900099
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1ACCOUNT FEES
IRS990/ProgramServiceRevenueGrp/Desc2MISCELLANEOUS INCOME
IRS990/ProgramServiceRevenueGrp/Desc3UBIT - NON MEMBER ATM FEES
IRS990/ProgramServiceRevenueGrp/Desc4UBIT - INSURANCE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt09397773
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13535289
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2395240
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt09397773
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13535289
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2395240
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt342215
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt430695
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt042215
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt130695
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt08000
IRS990/PYInvestmentIncomeAmt0664439
IRS990/PYOtherExpensesAmt06279446
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt012116923
IRS990/PYRevenuesLessExpensesAmt01842967
IRS990/PYSalariesCompEmpBnftPaidAmt04650949
IRS990/PYTotalExpensesAmt010938395
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt012781362
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt05803578
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt05946927
IRS990/ReconcilationRevenueExpnssAmt01658934
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt024271969
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt025923093
IRS990/SavingsAndTempCashInvstGrp/BOYAmt048871801
IRS990/SavingsAndTempCashInvstGrp/EOYAmt046333102
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04028271
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02118052
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06146323
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt012677291
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LandGrp/BookValueAmt0864882
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0864882
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0721432
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0426948
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01148380
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01294757
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt04619554
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt05914311
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt067867853
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11302340
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt240135972
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt384849
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt46104013
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt51640033
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt67413872
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt7597119
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt86453432
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt938602988
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt101768663
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1166934624
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1213516184
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1BUSINESS SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3STUDENT SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4BUSINESS SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5HSA SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6CLUBS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7ESCROW CLUBS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc8IRA SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc9MONEY MARKETS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc10BUSINESS MONEY MARKETS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc11CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc12IRA CERTIFICATES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt014336225
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06909342
IRS990ScheduleD/TotalExpensesPerForm990Amt012677291
IRS990ScheduleD/TotalLiabilityAmt0252421942
IRS990ScheduleD/TotalRevenuePerForm990Amt014336225
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt014336225
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt012677291
IRS990ScheduleI/GrantRecordsMaintainedInd00
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt06750
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0STUDENT SCHOLARSHIP
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt07
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0239517
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1155063
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount020000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount118914
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt014231
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt114366
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt010460
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt110388
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$281,975,528
Liabilities
$256,052,435
Net assets
$25,923,093
Revenue
$14,336,225
Expenses
$12,677,291
Net income
$1,658,934
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$441$403$38.5$24.4$20.6$3.82
2023Detailed filing. Detailed filing data is available for this year.$424$391$32.9$20.6$17.6$3.00
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$413$385$27.8$16.9$14.4$2.51
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$399$369$30.1$15.4$13.4$2.01
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$336$308$28.1$15.3$13.8$1.47
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$309$282$27.4$15.8$14.4$1.39
2018Detailed filing. Detailed filing data is available for this year.$282$256$25.9$14.3$12.7$1.66
2017Detailed filing. Detailed filing data is available for this year.$265$241$24.3$12.8$10.9$1.84
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$248$225$22.5$11.8$9.82$2.02
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$223$203$20.4$11.3$9.42$1.85
2014Detailed filing. Detailed filing data is available for this year.$206$188$18.6$10.4$9.08$1.34
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$193$176$17.2$9.77$8.46$1.31
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$185$169$16.0$8.06
2011Summary only. Only limited summary data is available for this year.$172$158$14.6$9.12$7.87$1.25
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$163$150$13.3$7.98