Civic Intelligence

America'S Credit Union Museum Foundation

EIN 02-0472576 • Marlborough, MA

845 Donald Lynch BoulevardMarlborough, MA 01752
Siviq Scores

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

Liabilities / Assets

67th percentile

0.12x

Higher debt load relative to assets than 67% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

90th percentile

0.94x

Higher debt load relative to revenue than 90% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Net Margin

17th percentile

-20%

Higher net margin than 17% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Top Officer Pay

86th percentile

$155,615

Higher top officer pay than 86% of similar nonprofits.

Top officer pay equals 46.3% of source-year revenue.

$1M-$5M nonprofits • Source year 2024

Asset Growth

28th percentile

-2.6%

Faster asset growth than 28% of similar nonprofits.

$1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

11th percentile

-31%

Faster revenue growth than 11% of similar nonprofits.

$1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets67th percentile

Assets

Down

$2,599,167

Down $69,633 (-2.6%) from 2023

Liabilities

Down

$315,508

Down $1,791 (-0.6%) from 2023

Net Assets

Down

$2,283,659

Down $67,842 (-2.9%) from 2023

Operations
Liabilities / Revenue90th percentileNet Margin17th percentile

Revenue

Down

$336,230

Down $150,817 (-31%) from 2023

Expenses

Up

$404,072

Up $3,458 (+0.9%) from 2023

Net Income

Down

-$67,842

Down $154,275 (-178%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth28th percentile

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

$3.0M$2.0M$1.0M$0Assets 2010: $1,389,839Liabilities 2010: $380,581Net Assets 2010: $1,009,2582010Assets 2011: $1,291,201Liabilities 2011: $341,507Net Assets 2011: $949,6942011Assets 2012: $1,602,978Liabilities 2012: $335,757Net Assets 2012: $1,267,2212012Assets 2013: $1,628,850Liabilities 2013: $282,134Net Assets 2013: $1,346,7162013Assets 2014: $2,418,521Liabilities 2014: $214,115Net Assets 2014: $2,204,4062014Assets 2015: $2,776,652Liabilities 2015: $154,194Net Assets 2015: $2,622,4582015Assets 2016: $2,899,962Liabilities 2016: $95,795Net Assets 2016: $2,804,1672016Assets 2017: $2,953,264Liabilities 2017: $234,900Net Assets 2017: $2,718,3642017Assets 2018: $2,889,452Liabilities 2018: $303,673Net Assets 2018: $2,585,7792018Assets 2019: $2,764,615Liabilities 2019: $356,521Net Assets 2019: $2,408,0942019Assets 2020: $2,720,861Liabilities 2020: $365,822Net Assets 2020: $2,355,0392020Assets 2021: $2,650,235Liabilities 2021: $361,350Net Assets 2021: $2,288,8852021Assets 2022: $2,632,108Liabilities 2022: $367,040Net Assets 2022: $2,265,0682022Assets 2023: $2,668,800Liabilities 2023: $317,299Net Assets 2023: $2,351,5012023Assets 2024: $2,599,167Liabilities 2024: $315,508Net Assets 2024: $2,283,6592024

Highlighted filing

2024

Assets$2,599,167
Liabilities$315,508
Net Assets$2,283,659
Open 2024 Filing

Operations Trend

Revenue Growth11th percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $277,1162010Expenses 2011: $303,6942011Expenses 2012: $271,6232012Revenue 2013: $395,934Expenses 2013: $317,268Net Income 2013: $78,6662013Revenue 2014: $1,170,700Expenses 2014: $273,860Net Income 2014: $896,8402014Revenue 2015: $677,010Expenses 2015: $272,125Net Income 2015: $404,8852015Revenue 2016: $1,355,455Expenses 2016: $295,882Net Income 2016: $1,059,5732016Revenue 2017: $209,839Expenses 2017: $299,557Net Income 2017: -$89,7182017Revenue 2018: $235,142Expenses 2018: $377,226Net Income 2018: -$142,0842018Revenue 2019: $181,682Expenses 2019: $359,367Net Income 2019: -$177,6852019Revenue 2020: $290,276Expenses 2020: $343,331Net Income 2020: -$53,0552020Revenue 2021: $258,089Expenses 2021: $324,243Net Income 2021: -$66,1542021Revenue 2022: $400,919Expenses 2022: $424,736Net Income 2022: -$23,8172022Revenue 2023: $487,047Expenses 2023: $400,614Net Income 2023: $86,4332023Revenue 2024: $336,230Expenses 2024: $404,072Net Income 2024: -$67,8422024

Highlighted filing

2024

Revenue$336,230
Expenses$404,072
Net Income-$67,842
Open 2024 Filing

Filings

Most recent year

2024 • Form 990PFDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,599,167
Liabilities
$315,508
Net assets
$2,283,659
Revenue
$336,230
Expenses
$404,072
Net income
-$67,842
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.60$0.32$2.28$0.34$0.40$0.07
2023Detailed filing. Detailed filing data is available for this year.$2.67$0.32$2.35$0.49$0.40$0.09
2022Detailed filing. Detailed filing data is available for this year.$2.63$0.37$2.27$0.40$0.42$0.02
2021Detailed filing. Detailed filing data is available for this year.$2.65$0.36$2.29$0.26$0.32$0.07
2020Detailed filing. Detailed filing data is available for this year.$2.72$0.37$2.36$0.29$0.34$0.05
2019Detailed filing. Detailed filing data is available for this year.$2.76$0.36$2.41$0.18$0.36$0.18
2018Detailed filing. Detailed filing data is available for this year.$2.89$0.30$2.59$0.24$0.38$0.14
2017Detailed filing. Detailed filing data is available for this year.$2.95$0.23$2.72$0.21$0.30$0.09
2016Detailed filing. Detailed filing data is available for this year.$2.90$0.10$2.80$1.36$0.30$1.06
2015Detailed filing. Detailed filing data is available for this year.$2.78$0.15$2.62$0.68$0.27$0.40
2014Detailed filing. Detailed filing data is available for this year.$2.42$0.21$2.20$1.17$0.27$0.90
2013Detailed filing. Detailed filing data is available for this year.$1.63$0.28$1.35$0.40$0.32$0.08
2012Detailed filing. Detailed filing data is available for this year.$1.60$0.34$1.27$0.27
2011Detailed filing. Detailed filing data is available for this year.$1.29$0.34$0.95$0.30
2010Detailed filing. Detailed filing data is available for this year.$1.39$0.38$1.01$0.28
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 13, 2025
Return Version
2024v5.2
Compensation and Service Providers
Top Officer Pay86th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
STEPHANIE SMITHExecutive DirectorFT$116,364$39,251$155,615
MICHAEL RAYDirector-$0--
KRISTI ARRINGTONChair-$0--
RICHARD ENSWEILERDirector Emeritus-$0--
RONALD MCLEANTreasurer-$0--
NATHAN SALLERImmediate Past Chair-$0--
MICHAEL L'ECUYERDirector-$0--
PETER LEMIREDirector-$0--
SUSAN MITCHELLDirector-$0--
TOM KANEDirector-$0--
SUZANNE MCCUEDirector-$0--
MARINA MILLERVice Chair-$0--
ANN MICHELSDirector-$0--
JIM NUSSLEDirector-$0--
MARK MEYERDirector-$0--
MERRY PATEUKSecretary-$0--
RENEE SATTIEWHITEDirector-$0--
BRUCE ADAMSDirector-$0--
KEN SENUSDirector-$0--
JEFF OLSONDirector-$0--
Filing and Contact Details

Filer

Filer Name
AMERICA'S CREDIT UNION MUSEUM FOUNDATION
EIN
02-0472576
Phone
6036291551
Address
845 DONALD LYNCH BOULEVARD, MARLBOROUGH, MA 01752

Signing Officer

Name
Ronald Mclean
Title
Treasurer
Phone
6036291551
Signed
2025-11-13
Discuss with paid preparer
Yes

Preparer

Firm
Bollus Lynch Llp
Address
89 SHREWSBURY STREET, WORCESTER, MA 01604
Preparer
James M Johnston Jr
Phone
5087557107
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.

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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm9TOM KANE
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm10SUZANNE MCCUE
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt2DIRECTOR EMERITUS
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt4IMMEDIATE PAST CHAIR
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt6DIRECTOR
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt7DIRECTOR
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt10DIRECTOR
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt12DIRECTOR
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt13DIRECTOR
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt16DIRECTOR
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt17DIRECTOR
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt18DIRECTOR
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt19DIRECTOR
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/AddressLine1Txt1420 NOTRE DAME AVENUE
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/AddressLine1Txt2420 NOTRE DAME AVENUE
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/AddressLine1Txt3420 NOTRE DAME AVENUE
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/AddressLine1Txt4420 NOTRE DAME AVENUE
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/AddressLine1Txt5420 NOTRE DAME AVENUE
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/AddressLine1Txt6420 NOTRE DAME AVENUE
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/AddressLine1Txt7420 NOTRE DAME AVENUE
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/AddressLine1Txt19420 NOTRE DAME AVENUE
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/CityNm0MANCHESTER
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/CityNm1MANCHESTER
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/CityNm19MANCHESTER
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/StateAbbreviationCd3NH
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/StateAbbreviationCd4NH
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/StateAbbreviationCd5NH
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/StateAbbreviationCd8NH
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/StateAbbreviationCd9NH
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/StateAbbreviationCd15NH
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/StateAbbreviationCd18NH
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/StateAbbreviationCd19NH
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IRS990PF/RlnOfActyToAccomOfExmptPrpsGrp/RlnOfActyToAccomOfExmptPrpsGrp/RelationshipStatementTxt0INVESTMENT INCOME IS DERIVED FROM TEMPORARY CASH ONLY. IT WILL BE
IRS990PF/RlnOfActyToAccomOfExmptPrpsGrp/RlnOfActyToAccomOfExmptPrpsGrp/RelationshipStatementTxt1USED FOR MUSEUM RELATED PROJECTS.
IRS990PF/StatementsRegardingActy4720Grp/BrrwOrLendDisqualifiedPrsnInd00
IRS990PF/StatementsRegardingActy4720Grp/BusinessHoldingsInd00

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