Liabilities / Assets
89th percentile
Higher debt load relative to assets than 89% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
89th percentile
Higher debt load relative to assets than 89% of similar nonprofits.
Liabilities / Revenue
19th percentile
Higher debt load relative to revenue than 19% of similar nonprofits.
Net Margin
66th percentile
Higher net margin than 66% of similar nonprofits.
Top Officer Pay
25th percentile
Higher top officer pay than 25% of similar nonprofits.
Top officer pay equals 5.6% of source-year revenue.
Asset Growth
12th percentile
Faster asset growth than 12% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Assets
Down$12,555,873
Down $509,968 (-3.9%) from 2012
Net Assets
Up$1,035,438
Up $73,529 (+7.6%) from 2012
Liabilities
Down$11,520,435
Down $583,497 (-4.8%) from 2012
Revenue
$905,421
No earlier filing loaded for comparison.
Expenses
Down$831,892
Down $126,437 (-13%) from 2012
Net Income
$73,529
No earlier filing loaded for comparison.
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 | $8,920,926 | $10,536,379 | ▲ $1,615,453 |
| Savings and Temporary Cash Investments | $3,304,872 | $1,259,671 | ▼ $2,045,201 |
| Rtn Earn Endowment Incm Other Fnds | $961,909 | $1,035,438 | ▲ $73,529 |
| Land, Buildings, and Equipment, Net | $325,169 | $326,481 | ▲ $1,312 |
| Cash and Non-Interest-Bearing Accounts | $315,652 | $256,494 | ▼ $59,158 |
| Prepaid Expenses and Deferred Charges | $11,762 | $9,998 | ▼ $1,764 |
| Inventories for Sale or Use | $52,624 | $9,000 | ▼ $43,624 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $13,065,841 | $12,555,873 | ▼ $509,968 |
| Other Assets Total | $134,836 | $157,850 | ▲ $23,014 |
| Liabilities | |||
| Other Liabilities | $12,058,488 | $11,489,512 | ▼ $568,976 |
| Accounts Payable and Accrued Expenses | $45,444 | $30,923 | ▼ $14,521 |
| Total Liabilities | $12,103,932 | $11,520,435 | ▼ $583,497 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $961,909 | $1,035,438 | ▲ $73,529 |
| Total Liabilities and Net Assets / Fund Balance | $13,065,841 | $12,555,873 | ▼ $509,968 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $205,608 | $191,313 | $0 |
| Other Land Buildings | $6,411 | $3,453 | $0 |
| Land | $84,138 | - | $0 |
| Equipment | $30,324 | $182,294 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Richard Chapin | CEO | FT | $50,500 | $50,500 |
| Name | Title |
|---|---|
| Kathy King | Chairperson Supervisory |
| Bill Harvey | Chairperson, BOD |
| David Cotton | Vice-Chairperson, Board of Directors |
| William Duggan | Board member |
| Peter Case | Director |
| Steve Farrington | Director |
| Betty Chamberlin | Treasurer, Board of Directors |
| Anita Grant | Secretary |
| Jean Bristol | supervisory Committee |
| Rhea Rhodes | Supervisory Committee |
| Line Item | Amount |
|---|---|
| Other Expenses | $413,228 |
| Salaries, Compensation, and Employee Benefits | $321,836 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $217,874 |
| Benefits to Members | - | - | - | $96,828 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $50,500 |
| Information Technology | - | - | - | $41,886 |
| Office Expenses | - | - | - | $41,617 |
| Advertising | - | - | - | $28,841 |
| Depreciation Depletion | - | - | - | $24,061 |
| Fees for Services Accounting | - | - | - | $23,751 |
| Payroll Taxes | - | - | - | $23,530 |
| All Other Expenses | - | - | - | $23,214 |
| Other Employee Benefits | - | - | - | $22,297 |
| Occupancy | - | - | - | $21,292 |
| Insurance | - | - | - | $13,285 |
| Conferences and Meetings | - | - | - | $10,249 |
| Other Expenses | - | - | - | $10,064 |
| Pension Plan Contributions | - | - | - | $7,635 |
| Payments to Affiliates | - | - | - | $4,726 |
| Total Functional Expenses | $0 | $0 | $0 | $831,892 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $831,892 |
| Total Expenses per Audited Statements | $831,892 |
| Total Expenses per Form 990 | $831,892 |
| 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 | $11,489,512 |
“The Credit Union has 1984 members.”
“our members elect BOD”
“as designated by our by-laws”
“Board of Directors review all financials at monthly meetings”
“On a quarterly basis we discussed”
“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 | 45444 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 30923 |
| IRS990/AcctCompileOrReviewBasisGrp/ConsolAndSepBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | Credit Union/Not for profit financial institution |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 28841 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 23214 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 96828 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1 | 0 | Members 1st Credit Union |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 8022575131 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 10 Browne Court |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine2 | 0 | PO Box 8245 |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | Brattleboro |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | VT |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 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 | 315652 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 256494 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 50500 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 0 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 10249 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 96828 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 2300 |
| IRS990/CYOtherExpensesAmt | 0 | 413228 |
| IRS990/CYOtherRevenueAmt | 0 | 9467 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 893654 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 73529 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 321836 |
| IRS990/CYTotalExpensesAmt | 0 | 831892 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 905421 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 24061 |
| IRS990/Desc | 0 | Not required to file 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 | 12 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 23751 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignGrantsGrp/TotalAmt | 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 | 40 |
| 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 | 0 |
| 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 | Bill Harvey |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Betty Chamberlin |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | David Cotton |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Peter Case |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Steve Farrington |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | William Duggan |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Anita Grant |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Kathy King |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Rhea Rhodes |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Jean Bristol |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Richard Chapin |
| 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 | 50500 |
| 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 | Treasurer, Board of Directors |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Vice-Chairperson, Board of Directors |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Board member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Chairperson Supervisory |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Supervisory Committee |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | supervisory Committee |
| 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/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 905421 |
| 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 | 1984 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 41886 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 13285 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 52624 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 9000 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2300 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 2300 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 377060 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 325169 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 326481 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 703541 |
| 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/MissionDesc | 0 | Services directly related to Credit Union operations providing savings and loans to members base of 1984 |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 961909 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1035438 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 21292 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 41617 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 134836 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 157850 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 22297 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan loss |
| IRS990/OtherExpensesGrp/Desc | 1 | ATMfee/visa fee/sharedraft fee |
| IRS990/OtherExpensesGrp/Desc | 2 | loss of assets |
| IRS990/OtherExpensesGrp/Desc | 3 | share insurance |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 104575 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 64967 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 700 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 10064 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 12058488 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 11489512 |
| 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 | 9467 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 9467 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/OtherRevenueTotalAmt | 0 | 9467 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 217874 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 8920926 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 10536379 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 4726 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 23530 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 7635 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 11762 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 9998 |
| IRS990/PrincipalOfcrBusinessAddress/BusinessNameLine1 | 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 | 893654 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 893654 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 128810 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 2017 |
| IRS990/PYOtherExpensesAmt | 0 | 509671 |
| IRS990/PYOtherRevenueAmt | 0 | 9459 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 889560 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -57293 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 319848 |
| IRS990/PYTotalExpensesAmt | 0 | 958329 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 901036 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 73529 |
| 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 | 961909 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1035438 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 3304872 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 1259671 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 205608 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 191313 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 396921 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 30324 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 182294 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 212618 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 831892 |
| 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 | 6411 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 3453 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 9864 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 11489512 |
| 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 | 905421 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 326481 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 831892 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 11489512 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 905421 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 905421 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 831892 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | The Credit Union has 1984 members. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | our members elect BOD |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | as designated by our by-laws |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Board of Directors review all financials at monthly meetings |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | On a quarterly basis we discussed |
| 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 | 13065841 |
| IRS990/TotalAssetsEOYAmt | 0 | 12555873 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 13065841 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 12555873 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 12 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 831892 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 12103932 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 11520435 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 12103932 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 11520435 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 961909 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1035438 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcExpenseAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcGrantAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcRevenueAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 0 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 893654 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 50500 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 905421 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 905421 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
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Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.