Liabilities / Assets
85th percentile
Higher debt load relative to assets than 85% of similar nonprofits.
990 • Fiscal year 2015 • EIN 03-0197116
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
85th percentile
Higher debt load relative to assets than 85% of similar nonprofits.
Liabilities / Revenue
19th percentile
Higher debt load relative to revenue than 19% of similar nonprofits.
Net Margin
78th percentile
Higher net margin than 78% of similar nonprofits.
Top Officer Pay
44th percentile
Higher top officer pay than 44% of similar nonprofits.
Top officer pay equals 6.8% of source-year revenue.
Asset Growth
84th percentile
Faster asset growth than 84% of similar nonprofits.
Revenue Growth
67th percentile
Faster revenue growth than 67% of similar nonprofits.
Assets
Up$15,240,191
Up $1,165,391 (+8.3%) from 2014
Net Assets
Up$1,321,691
Up $144,540 (+12%) from 2014
Liabilities
Up$13,918,500
Up $1,020,851 (+7.9%) from 2014
Revenue
Up$1,030,509
Up $35,323 (+3.5%) from 2014
Expenses
Up$885,969
Up $32,496 (+3.8%) from 2014
Net Income
Up$144,540
Up $2,827 (+2.0%) from 2014
Services directly related to Credit Union operations providing savings and loans to member base of
Credit Union / Not for profit financial institution
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $12,190,985 | $11,249,403 | ▼ $941,582 |
| Savings and Temporary Cash Investments | $1,109,431 | $3,263,561 | ▲ $2,154,130 |
| Rtn Earn Endowment Incm Other Fnds | $1,177,151 | $1,321,691 | ▲ $144,540 |
| Land, Buildings, and Equipment, Net | $306,107 | $282,045 | ▼ $24,062 |
| Cash and Non-Interest-Bearing Accounts | $308,363 | $262,288 | ▼ $46,075 |
| Prepaid Expenses and Deferred Charges | $9,143 | $23,034 | ▲ $13,891 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Inventories for Sale or Use | $0 | - | - |
| Total Assets | $14,074,800 | $15,240,191 | ▲ $1,165,391 |
| Other Assets Total | $150,771 | $159,860 | ▲ $9,089 |
| Liabilities | |||
| Other Liabilities | $12,844,991 | $13,842,929 | ▲ $997,938 |
| Accounts Payable and Accrued Expenses | $52,658 | $75,571 | ▲ $22,913 |
| Total Liabilities | $12,897,649 | $13,918,500 | ▲ $1,020,851 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,177,151 | $1,321,691 | ▲ $144,540 |
| Total Liabilities and Net Assets / Fund Balance | $14,074,800 | $15,240,191 | ▲ $1,165,391 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $172,428 | $224,493 | $0 |
| Other Land Buildings | $5,425 | $4,439 | $0 |
| Land | $84,138 | - | $0 |
| Equipment | $20,054 | $199,417 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Evelyn Sirois | CEO | FT | $70,000 | $70,000 |
| Name | Title |
|---|---|
| Betty Chamberline | Chairperson BOD |
| Kathy King | Chairperson Supervisory Committee |
| David Cotton | Vice Chairperson BOD |
| Steve Clark | Director |
| William Duggan | Director |
| William Harvey | Director |
| Andi Coulombe | Secretary BOD |
| Rhea Rhodes | Supervisory Committee Member |
| Susan Winter | Supervisory Committee Member |
| Judith Wisell | Treasurer BOD |
| Line Item | Amount |
|---|---|
| Other Expenses | $451,574 |
| Salaries, Compensation, and Employee Benefits | $314,569 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $202,981 |
| Benefits to Members | - | - | - | $119,826 |
| Other Expenses | - | - | - | $71,382 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $70,000 |
| Fees for Services Accounting | - | - | - | $65,459 |
| Information Technology | - | - | - | $39,378 |
| Office Expenses | - | - | - | $37,346 |
| Advertising | - | - | - | $32,757 |
| Payroll Taxes | - | - | - | $25,383 |
| Depreciation Depletion | - | - | - | $25,314 |
| Occupancy | - | - | - | $24,108 |
| All Other Expenses | - | - | - | $23,985 |
| Insurance | - | - | - | $16,380 |
| Other Employee Benefits | - | - | - | $16,205 |
| Conferences and Meetings | - | - | - | $14,533 |
| Payments to Affiliates | - | - | - | $932 |
| Total Functional Expenses | $0 | $0 | $0 | $885,969 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $885,969 |
| Total Expenses per Audited Statements | $885,969 |
| Total Expenses per Form 990 | $885,969 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Other Expense Adjustments | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Deposit Accounts | $13,842,929 |
“We have 2066 members”
“Members elect the Board of Directors at the annual meeting. Board of Directors appoint the Supervisory Committee members.”
“Members approve Credit Union borrowing limits and Charter changes at the Annual Meeting.”
“Board of Directors review all financials at monthly meetings.”
“Discussed at Board of Directors meetings quarterly.”
“Posted in lobby”
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/AccountantCompileOrReviewInd | 0 | 1 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 52658 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 75571 |
| IRS990/AcctCompileOrReviewBasisGrp/ConsolAndSepBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | Credit Union / Not for profit financial institution |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 32757 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 23985 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 119826 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | Members 1st Credit Union |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 8022575131 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 10 Browne Court PO Box 8245 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Brattleboro |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | VT |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 053048245 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 308363 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 262288 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 70000 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 0 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 14533 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 119826 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 3577 |
| IRS990/CYOtherExpensesAmt | 0 | 451574 |
| IRS990/CYOtherRevenueAmt | 0 | 8695 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1018237 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 144540 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 314569 |
| IRS990/CYTotalExpensesAmt | 0 | 885969 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1030509 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 25314 |
| IRS990/Desc | 0 | Not a required field since we are a 501 (c) 14 |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 0 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 65459 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Betty Chamberline |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | David Cotton |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Judith Wisell |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Andi Coulombe |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | William Harvey |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | William Duggan |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Steve Clark |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Kathy King |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Rhea Rhodes |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Susan Winter |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Evelyn Sirois |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 70000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Chairperson BOD |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice Chairperson BOD |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Treasurer BOD |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Secretary BOD |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Chairperson Supervisory Committee |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Supervisory Committee Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Supervisory Committee Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1956 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/ConsolAndSepBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 1030509 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 2066 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 39378 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 16380 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3577 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 3577 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 1 |
| IRS990/IRPDocumentW2GCnt | 0 | 12 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 428349 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 306107 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 282045 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 710394 |
| IRS990/LegalDomicileStateCd | 0 | VT |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingCashInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MiscellaneousRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/MissionDesc | 0 | Services directly related to Credit Union operations providing savings and loans to member base of |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 1177151 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1321691 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 24108 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 37346 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 150771 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 159860 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 16205 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan Loss |
| IRS990/OtherExpensesGrp/Desc | 1 | Share Draft / ATM / VISA Expenses |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 100000 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 71382 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 12844991 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 13842929 |
| IRS990/OtherOrganizationDsc | 0 | Credit Union |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522130 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | CUNA Insurance Premiums |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 8695 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 8695 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/OtherRevenueTotalAmt | 0 | 8695 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 202981 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 12190985 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 11249403 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 932 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 25383 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 9143 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 23034 |
| IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt | 0 | Members 1st Credit Union |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest on loans / program services |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1018237 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1018237 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 71214 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 831 |
| IRS990/PYOtherExpensesAmt | 0 | 428552 |
| IRS990/PYOtherRevenueAmt | 0 | 9668 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 984687 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 141713 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 353707 |
| IRS990/PYTotalExpensesAmt | 0 | 853473 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 995186 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 144540 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1177151 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1321691 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 1109431 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 3263561 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 172428 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 224493 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 396921 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 20054 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 199417 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 219471 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 885969 |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 0 |
| IRS990ScheduleD/InvestmentExpensesNotIncld2Amt | 0 | 0 |
| IRS990ScheduleD/InvestmentExpensesNotIncldAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 84138 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 84138 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LossesReportedAmt | 0 | 0 |
| IRS990ScheduleD/NetUnrealizedGainsInvstAmt | 0 | 0 |
| IRS990ScheduleD/OtherExpensesIncludedAmt | 0 | 0 |
| IRS990ScheduleD/OtherExpensesNotIncludedAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 5425 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 4439 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 9864 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 13842929 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Deposit Accounts |
| IRS990ScheduleD/OtherRevenueAmt | 0 | 0 |
| IRS990ScheduleD/OtherRevenuesNotIncludedAmt | 0 | 0 |
| IRS990ScheduleD/PriorYearAdjustmentsAmt | 0 | 0 |
| IRS990ScheduleD/RecoveriesPriorYearGrantsAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 1030509 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 282045 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 885969 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 13842929 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 1030509 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 1030509 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 885969 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | We have 2066 members |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Members elect the Board of Directors at the annual meeting. Board of Directors appoint the Supervisory Committee members. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Members approve Credit Union borrowing limits and Charter changes at the Annual Meeting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Board of Directors review all financials at monthly meetings. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Discussed at Board of Directors meetings quarterly. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Posted in lobby |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, Line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, Line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section C, Line 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | VT |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 14074800 |
| IRS990/TotalAssetsEOYAmt | 0 | 15240191 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 14074800 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 15240191 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 885969 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 12897649 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 13918500 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 12897649 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 13918500 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1177151 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1321691 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcExpenseAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcGrantAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcRevenueAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 0 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1018237 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 70000 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1030509 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 1030509 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 10 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 14074800 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 15240191 |
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Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
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