Liabilities / Assets
89th percentile
Higher debt load relative to assets than 89% of similar nonprofits.
990 • Fiscal year 2014 • EIN 03-0197116
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
20th percentile
Higher debt load relative to revenue than 20% of similar nonprofits.
Net Margin
78th percentile
Higher net margin than 78% of similar nonprofits.
Top Officer Pay
27th percentile
Higher top officer pay than 27% of similar nonprofits.
Top officer pay equals 5.5% of source-year revenue.
Asset Growth
95th percentile
Faster asset growth than 95% of similar nonprofits.
Revenue Growth
90th percentile
Faster revenue growth than 90% of similar nonprofits.
Assets
Up$14,074,800
Up $1,518,927 (+12%) from 2013
Net Assets
Up$1,177,151
Up $141,713 (+14%) from 2013
Liabilities
Up$12,897,649
Up $1,377,214 (+12%) from 2013
Revenue
Up$995,186
Up $89,765 (+9.9%) from 2013
Expenses
Up$853,473
Up $21,581 (+2.6%) from 2013
Net Income
Up$141,713
Up $68,184 (+93%) from 2013
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 | $10,536,379 | $12,190,985 | ▲ $1,654,606 |
| Rtn Earn Endowment Incm Other Fnds | $1,035,438 | $1,177,151 | ▲ $141,713 |
| Savings and Temporary Cash Investments | $1,259,671 | $1,109,431 | ▼ $150,240 |
| Cash and Non-Interest-Bearing Accounts | $256,494 | $308,363 | ▲ $51,869 |
| Land, Buildings, and Equipment, Net | $326,481 | $306,107 | ▼ $20,374 |
| Prepaid Expenses and Deferred Charges | $9,998 | $9,143 | ▼ $855 |
| Inventories for Sale or Use | $9,000 | $0 | ▼ $9,000 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $12,555,873 | $14,074,800 | ▲ $1,518,927 |
| Other Assets Total | $157,850 | $150,771 | ▼ $7,079 |
| Liabilities | |||
| Other Liabilities | $11,489,512 | $12,844,991 | ▲ $1,355,479 |
| Accounts Payable and Accrued Expenses | $30,923 | $52,658 | ▲ $21,735 |
| Total Liabilities | $11,520,435 | $12,897,649 | ▲ $1,377,214 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,035,438 | $1,177,151 | ▲ $141,713 |
| Total Liabilities and Net Assets / Fund Balance | $12,555,873 | $14,074,800 | ▲ $1,518,927 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $188,650 | $208,271 | $0 |
| Other Land Buildings | $5,918 | $3,946 | $0 |
| Land | $84,138 | - | $0 |
| Equipment | $27,401 | $189,668 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Name | Title | Base | Total |
|---|---|---|---|
| Evelyn Sirois | CEO | $55,000 | $55,000 |
| Name | Title |
|---|---|
| Betty Chamberline | Chairperson BOD |
| Kathy King | Chairperson Supervisory Committee |
| David Cotton | Vice Chairperson BOD |
| Peter Case | 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 | $428,552 |
| Salaries, Compensation, and Employee Benefits | $353,707 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $253,676 |
| Benefits to Members | - | - | - | $71,214 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $55,000 |
| Office Expenses | - | - | - | $39,412 |
| Information Technology | - | - | - | $37,167 |
| Fees for Services Accounting | - | - | - | $31,424 |
| Payroll Taxes | - | - | - | $27,312 |
| Advertising | - | - | - | $26,267 |
| Depreciation Depletion | - | - | - | $26,227 |
| All Other Expenses | - | - | - | $24,141 |
| Occupancy | - | - | - | $23,273 |
| Other Employee Benefits | - | - | - | $17,719 |
| Insurance | - | - | - | $14,945 |
| Conferences and Meetings | - | - | - | $12,721 |
| Other Expenses | - | - | - | $3,000 |
| Payments to Affiliates | - | - | - | $1,585 |
| Interest | - | - | - | $41 |
| Total Functional Expenses | $0 | $0 | $0 | $853,473 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $853,473 |
| Total Expenses per Audited Statements | $853,473 |
| Total Expenses per Form 990 | $853,473 |
| 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 | $12,844,991 |
“We have 2038 members of the Credit Union”
“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 meeting 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 | 30923 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 52658 |
| IRS990/AcctCompileOrReviewBasisGrp/ConsolAndSepBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | Credit Union / Not for profit financial institution |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 26267 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 24141 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 71214 |
| 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 | 256494 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 308363 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 55000 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 0 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 12721 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 71214 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 831 |
| IRS990/CYOtherExpensesAmt | 0 | 428552 |
| IRS990/CYOtherRevenueAmt | 0 | 9668 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 984687 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 141713 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 353707 |
| IRS990/CYTotalExpensesAmt | 0 | 853473 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 995186 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 26227 |
| 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/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 13 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 31424 |
| 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 | 1 |
| 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/IndividualTrusteeOrDirectorInd | 10 | 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 | Peter Case |
| 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 | 55000 |
| 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 | 995186 |
| 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 | 2038 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 37167 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 14945 |
| IRS990/InterestGrp/TotalAmt | 0 | 41 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 9000 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 831 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 831 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 401885 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 326481 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 306107 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 707992 |
| 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 | 1035438 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1177151 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 23273 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 39412 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 157850 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 150771 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 17719 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan Loss |
| IRS990/OtherExpensesGrp/Desc | 1 | Share Draft/ATM/VISA Expense |
| IRS990/OtherExpensesGrp/Desc | 2 | Loss Disposable Assets |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 108500 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 79849 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 3000 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 11489512 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 12844991 |
| 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 | 9668 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 9668 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/OtherRevenueTotalAmt | 0 | 9668 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 253676 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 10536379 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 12190985 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 1585 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 27312 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 9998 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 9143 |
| IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt | 0 | Members 1st Credit Union |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest on loans / program servicees |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 984687 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 984687 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 96828 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 2300 |
| IRS990/PYOtherExpensesAmt | 0 | 413228 |
| IRS990/PYOtherRevenueAmt | 0 | 9467 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 893654 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 73529 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 321836 |
| IRS990/PYTotalExpensesAmt | 0 | 831892 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 905421 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 141713 |
| 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 | 1035438 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1177151 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 1259671 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 1109431 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 188650 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 208271 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 396921 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 27401 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 189668 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 217069 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 853473 |
| 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 | 5918 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 3946 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 9864 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 12844991 |
| 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 | 995186 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 306107 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 853473 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 12844991 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 995186 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 995186 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 853473 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | We have 2038 members of the Credit Union |
| 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 meeting 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 | 12555873 |
| IRS990/TotalAssetsEOYAmt | 0 | 14074800 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 12555873 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 14074800 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 13 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 853473 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 11520435 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 12897649 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 11520435 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 12897649 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1035438 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1177151 |
| 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 | 984687 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 55000 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 995186 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 995186 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 10 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 12555873 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 14074800 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
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Displayed year
2014 • Form 990Detailed filing. Detailed filing data is available for this year.