Civic Intelligence

Holy Rosary Regional Credit Union

990 • Fiscal year 2013 • EIN 02-0272024

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 06, 2014

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

70th percentile

0.91x

Higher debt load relative to assets than 70% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Liabilities / Revenue

48th percentile

18.01x

Higher debt load relative to revenue than 48% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Net Margin

63rd percentile

13%

Higher net margin than 63% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Top Officer Pay

41st percentile

$173,262

Higher top officer pay than 41% of similar nonprofits.

Top officer pay equals 1.8% of source-year revenue.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Asset Growth

70th percentile

4.7%

Faster asset growth than 70% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2012 to 2013

Revenue Growth

44th percentile

3.5%

Faster revenue growth than 44% of similar nonprofits.

2013 filings • $100M-$250M nonprofits • Annualized from 2011 to 2013

Balance Sheet
Liabilities / Assets70th percentile

Assets

Up

$193,202,026

Up $8,587,797 (+4.7%) from 2012

Net Assets

Up

$17,232,408

Up $1,222,959 (+7.6%) from 2012

Liabilities

Up

$175,969,618

Up $7,364,838 (+4.4%) from 2012

Revenue And Expenses
Liabilities / Revenue48th percentileNet Margin63rd percentile

Revenue

$9,768,837

No earlier filing loaded for comparison.

Expenses

Up

$8,460,373

Up $397,223 (+4.9%) from 2012

Net Income

$1,308,464

No earlier filing loaded for comparison.

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

2013

Assets$193,202,026
Liabilities$175,969,618
Net Assets$17,232,408
Open 2013 Filing

Operations Trend

Revenue Growth44th 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

2013

Revenue$9,768,837
Expenses$8,460,373
Net Income$1,308,464
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 6, 2014
Return Version
2013v3.1
Gross Receipts
$9,768,837
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

Credit union - member thrift

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$123,559,019$133,279,932▲ $9,720,913
Savings and Temporary Cash Investments$36,837,203$42,581,813▲ $5,744,610
Rtn Earn Endowment Incm Other Fnds$16,009,449$17,232,408▲ $1,222,959
Investments in Publicly Traded Securities$12,103,855$4,997,365▼ $7,106,490
Land, Buildings, and Equipment, Net$4,445,754$4,574,574▲ $128,820
Cash and Non-Interest-Bearing Accounts$2,261,507$2,348,889▲ $87,382
Receivables From Officers Etc$1,897,544$1,590,146▼ $307,398
Prepaid Expenses and Deferred Charges$384,978$527,368▲ $142,390
Investments Other Securities$262,300$237,400▼ $24,900
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$184,614,229$193,202,026▲ $8,587,797
Other Assets Total$2,862,069$3,064,539▲ $202,470
Liabilities
Other Liabilities$167,865,215$175,328,384▲ $7,463,169
Accounts Payable and Accrued Expenses$395,906$373,645▼ $22,261
Escrow Account Liability$343,659$267,589▼ $76,070
Total Liabilities$168,604,780$175,969,618▲ $7,364,838
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,009,449$17,232,408▲ $1,222,959
Total Liabilities and Net Assets / Fund Balance$184,614,229$193,202,026▲ $8,587,797

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,104,605$1,323,095$4,427,700
Other Land Buildings$792,639$3,128,817$3,921,456
Land$677,330-$677,330
Leasehold Improvements-$372,228$372,228
Compensation and Service Providers
Top Officer Pay41st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brian F HughesPresident/CEOFT$143,682$29,580$173,262
Rosemary ShieldsCOOFT$89,665$11,785$101,450
Brian TherrienCFOFT$89,628$5,856$95,484
Suzanne WilkinsVP LendingFT$80,934$12,438$93,372
Donna CormierVP TechnologyFT$75,965$11,344$87,309
Christine PatrowiczVP of HrFT$71,493$11,609$83,102

Board Members and Trustees

NameTitle
Dana FlandersChairman
Ronald VachonVice Chairman
James BrockDirector
Kathleen SimoneauDirector
Paul TurnerDirector
Richard BrunelleDirector
Richard FalardeauDirector
Nancy GilbertSecretary
Barry ChecchiSupervisory COM
Constance HamannSupervisory COM
Dona DoyonSupervisory COM
Rachel GilmanSupervisory COM
Robert LangelierSupervisory COM
Paul AugerTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservDp, Dbt/credit Card-$491,848
SynergentCore Data Processing-$401,403
Anthem Blue Cross Blue ShieldMedical Insurance-$324,070
Cuna Mutual GroupBusiness Insurance-$127,359
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,918,716
Investment Income
$329,395
Other Revenue
$2,520,726
Change in Net Assets
$1,308,464
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,788,632
Salaries, Compensation, and Employee Benefits$3,661,741
Grants and Similar Amounts Paid$10,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$2,403,285-$2,403,285
Interest$1,023,461$52-$1,023,513
Current Officers, Directors, Trustees, and Key Employees-$633,979-$633,979
Information Technology-$366,032-$366,032
Occupancy-$344,045-$344,045
Depreciation Depletion-$336,791-$336,791
Other Employee Benefits-$315,492-$315,492
Office Expenses-$312,289-$312,289
All Other Expenses-$291,530-$291,530
Advertising-$252,917-$252,917
Payroll Taxes-$241,620-$241,620
Other Expenses-$152,316-$152,316
Conferences and Meetings-$116,467-$116,467
Insurance-$68,689-$68,689
Pension Plan Contributions-$67,365-$67,365
Fees for Services Accounting-$66,602-$66,602
Fees for Services Legal-$43,574-$43,574
Grants to Domestic Individuals$10,000--$10,000
Total Functional Expenses$1,033,461$7,426,912$0$8,460,373
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,897,544$1,590,146▼ $307,398
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposits$177,878,613
Other Liabilitites$-2,550,229
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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, Line 6: Explanation of Classes of Members or Shareholder

“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, Line 7A: How Members or Shareholders Elect Governing Body

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

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

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

Form 990, Part VI, Line 11B: Form 990 Review Process

“Management will present the completed form 990 to the board for review before filing if time permits. Otherwise afterwards. The cfo gathers the information, the audit firm prepares form 990/990t. Upon receipt from audit firm, cfo and ceo reviews. A final copy is presented at the next board meeting for their review.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“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, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The credit union gathers salary survey data from external sources. The president & ceo salary is reviewed by the board of directors and senior managment is reviewed by the president.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“The credit union gathers salary survey data from external sources. The president & ceo salary is reviewed by the board of directors and senior managment is reviewed by the president.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“A financial statement summary is posted in the vestibule area at all branches. Other information is available upon request.”

Filing and Contact Details

Filer

EIN
02-0272024
Phone
6033326840

Signing Officer

Name
Brian Therrien
Title
CFO
Signed
2014-08-06
Discuss with paid preparer
Yes

Organization Details

Voting Board Members
9
Independent Board Members
9
Employees
86
Volunteers
9

Preparer

Preparer
Robert Anderson
Phone
9782329300
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Change in fas115- unrealized gain/loss = -$85505”

Raw XML AppendixShowing 400 of 728 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0395906
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0373645
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0CREDIT UNION - MEMBER THRIFT
IRS990/AdvertisingGrp/ManagementAndGeneralAmt0252917
IRS990/AdvertisingGrp/TotalAmt0252917
IRS990/AllAffiliatesIncludedInd0false
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt0291530
IRS990/AllOtherExpensesGrp/TotalAmt0291530
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0BRIAN THERRIEN
IRS990/BooksInCareOfDetail/PhoneNum06033326840
IRS990/BooksInCareOfDetail/USAddress/AddressLine10133 BROCK STREET
IRS990/BooksInCareOfDetail/USAddress/City0ROCHESTER
IRS990/BooksInCareOfDetail/USAddress/State0NH
IRS990/BooksInCareOfDetail/USAddress/ZIPCode003867
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt02261507
IRS990/CashNonInterestBearingGrp/EOYAmt02348889
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt04
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt0633979
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0633979
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt0116467
IRS990/ConferencesMeetingsGrp/TotalAmt0116467
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0491848
IRS990/ContractorCompensationGrp/CompensationAmt1324070
IRS990/ContractorCompensationGrp/CompensationAmt2127359
IRS990/ContractorCompensationGrp/CompensationAmt3401403
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine10255 FISERV DRIVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine113000 GOFFS FALLS ROAD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine125910 MINERAL POINT ROAD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine132 LEDGEVIEW DRIVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City0BROOKFIELD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City1MANCHESTER
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City2MADISON
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/City3WESTBROOK
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State0WI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State1NH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State2WI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/State3ME
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCode053045
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCode103111
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCode253705
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCode304092
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine10FISERV
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine11ANTHEM BLUE CROSS BLUE SHIELD
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine12CUNA MUTUAL GROUP
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine13SYNERGENT
IRS990/ContractorCompensationGrp/ServicesDesc0DP, DBT/CREDIT CARD
IRS990/ContractorCompensationGrp/ServicesDesc1MEDICAL INSURANCE
IRS990/ContractorCompensationGrp/ServicesDesc2BUSINESS INSURANCE
IRS990/ContractorCompensationGrp/ServicesDesc3CORE DATA PROCESSING
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt010000
IRS990/CYInvestmentIncomeAmt0329395
IRS990/CYOtherExpensesAmt04788632
IRS990/CYOtherRevenueAmt02520726
IRS990/CYProgramServiceRevenueAmt06918716
IRS990/CYRevenuesLessExpensesAmt01308464
IRS990/CYSalariesCompEmpBnftPaidAmt03661741
IRS990/CYTotalExpensesAmt08460373
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt09768837
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt0336791
IRS990/DepreciationDepletionGrp/TotalAmt0336791
IRS990/Desc0MAINTENANCE OF MEMBERS' SHARE AND DEPOSIT ACCOUNTS. NUMBER OF ACCOUNTS IS 36,677.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt086
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountInd0false
IRS990/EscrowAccountLiabilityGrp/BOYAmt0343659
IRS990/EscrowAccountLiabilityGrp/EOYAmt0267589
IRS990/ExcessBusinessHoldingsInd0false
IRS990/ExpenseAmt01023461
IRS990/FamilyOrBusinessRlnInd0true
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt066602
IRS990/FeesForServicesAccountingGrp/TotalAmt066602
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt043574
IRS990/FeesForServicesLegalGrp/TotalAmt043574
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt130.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt150.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt160.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt170.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt180.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt190.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt82.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt92.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt102.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt112.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt122.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt132.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1940.00
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/OfficerInd9X
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/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1416630
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1512438
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt165856
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1711344
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1811785
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1911609
IRS990/Form990PartVIISectionAGrp/PersonNm0RACHEL GILMAN
IRS990/Form990PartVIISectionAGrp/PersonNm1BARRY CHECCHI
IRS990/Form990PartVIISectionAGrp/PersonNm2ROBERT LANGELIER
IRS990/Form990PartVIISectionAGrp/PersonNm3CONSTANCE HAMANN
IRS990/Form990PartVIISectionAGrp/PersonNm4DONA DOYON
IRS990/Form990PartVIISectionAGrp/PersonNm5RICHARD BRUNELLE
IRS990/Form990PartVIISectionAGrp/PersonNm6PAUL AUGER
IRS990/Form990PartVIISectionAGrp/PersonNm7JAMES BROCK
IRS990/Form990PartVIISectionAGrp/PersonNm8NANCY GILBERT
IRS990/Form990PartVIISectionAGrp/PersonNm9DANA FLANDERS
IRS990/Form990PartVIISectionAGrp/PersonNm10RONALD VACHON
IRS990/Form990PartVIISectionAGrp/PersonNm11PAUL TURNER
IRS990/Form990PartVIISectionAGrp/PersonNm12RICHARD FALARDEAU
IRS990/Form990PartVIISectionAGrp/PersonNm13KATHLEEN SIMONEAU
IRS990/Form990PartVIISectionAGrp/PersonNm14BRIAN F HUGHES
IRS990/Form990PartVIISectionAGrp/PersonNm15SUZANNE WILKINS
IRS990/Form990PartVIISectionAGrp/PersonNm16BRIAN THERRIEN
IRS990/Form990PartVIISectionAGrp/PersonNm17DONNA CORMIER
IRS990/Form990PartVIISectionAGrp/PersonNm18ROSEMARY SHIELDS
IRS990/Form990PartVIISectionAGrp/PersonNm19CHRISTINE PATROWICZ
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/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14156632
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1580934
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1689628
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1775965
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1889665
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1971493
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/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/TitleTxt0SUPERVISORY COM
IRS990/Form990PartVIISectionAGrp/TitleTxt1SUPERVISORY COM
IRS990/Form990PartVIISectionAGrp/TitleTxt2SUPERVISORY COM
IRS990/Form990PartVIISectionAGrp/TitleTxt3SUPERVISORY COM
IRS990/Form990PartVIISectionAGrp/TitleTxt4SUPERVISORY COM
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt9Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt10Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13Director
IRS990/Form990PartVIISectionAGrp/TitleTxt14President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt16CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt18COO
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP OF HR
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt010000
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt010000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0true
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt09768837
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt0366032
IRS990/InformationTechnologyGrp/TotalAmt0366032
IRS990/InsuranceGrp/ManagementAndGeneralAmt068689
IRS990/InsuranceGrp/TotalAmt068689
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt052
IRS990/InterestGrp/ProgramServicesAmt01023461
IRS990/InterestGrp/TotalAmt01023513
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0329395
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0329395
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0262300
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0237400
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt012103855
IRS990/InvestmentsPubTradedSecGrp/EOYAmt04997365
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt05707
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04824140
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04445754
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04574574
IRS990/LandBldgEquipCostOrOtherBssAmt09398714
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0true
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt04800
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt04800
IRS990/MissionDesc0CREDIT UNION - MEMBER THRIFT
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt016009449
IRS990/NetAssetsOrFundBalancesEOYAmt017232408
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0-27216
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt0344045
IRS990/OccupancyGrp/TotalAmt0344045
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0312289
IRS990/OfficeExpensesGrp/TotalAmt0312289
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt02862069
IRS990/OtherAssetsTotalGrp/EOYAmt03064539
IRS990/OtherChangesInNetAssetsAmt0-85505
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0315492
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0315492
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1DEBIT CARD
IRS990/OtherExpensesGrp/Desc2PROVISION LOAN LOSS
IRS990/OtherExpensesGrp/Desc3NCUA STABILIZATION EXPENSE
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0750489
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1447244
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2216134
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3152316
IRS990/OtherExpensesGrp/TotalAmt0750489
IRS990/OtherExpensesGrp/TotalAmt1447244
IRS990/OtherExpensesGrp/TotalAmt2216134
IRS990/OtherExpensesGrp/TotalAmt3152316
IRS990/OtherLiabilitiesGrp/BOYAmt0167865215
IRS990/OtherLiabilitiesGrp/EOYAmt0175328384
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0INSURANCE
IRS990/OtherRevenueMiscGrp/Desc1NON MEMBER ATM FEES
IRS990/OtherRevenueMiscGrp/Desc2OTHER FEES AND INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02461429
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt010656
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt136399
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt22468871
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt010656
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt136399
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt27442
IRS990/OtherRevenueTotalAmt02520726
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt02403285
IRS990/OtherSalariesAndWagesGrp/TotalAmt02403285
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0123559019
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0133279932
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0241620
IRS990/PayrollTaxesGrp/TotalAmt0241620
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt067365
IRS990/PensionPlanContributionsGrp/TotalAmt067365
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0384978

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$193,202,026
Liabilities
$175,969,618
Net assets
$17,232,408
Revenue
$9,768,837
Expenses
$8,460,373
Net income
$1,308,464
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
2013Detailed filing. Detailed filing data is available for this year.$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