Liabilities / Assets
77th percentile
Higher debt load relative to assets than 77% of similar nonprofits.
990 • Fiscal year 2016 • EIN 03-0197116
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
77th percentile
Higher debt load relative to assets than 77% 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
56th percentile
Higher top officer pay than 56% of similar nonprofits.
Top officer pay equals 7.5% of source-year revenue.
Asset Growth
32nd percentile
Faster asset growth than 32% of similar nonprofits.
Revenue Growth
17th percentile
Faster revenue growth than 17% of similar nonprofits.
Assets
Down$15,231,760
Down $8,431 (-0.1%) from 2015
Net Assets
Up$1,465,857
Up $144,166 (+11%) from 2015
Liabilities
Down$13,765,903
Down $152,597 (-1.1%) from 2015
Revenue
Down$1,000,258
Down $30,251 (-2.9%) from 2015
Expenses
Down$856,092
Down $29,877 (-3.4%) from 2015
Net Income
Down$144,166
Down $374 (-0.3%) from 2015
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 | $11,249,403 | $10,939,166 | ▼ $310,237 |
| Savings and Temporary Cash Investments | $3,263,561 | $3,576,607 | ▲ $313,046 |
| Rtn Earn Endowment Incm Other Fnds | $1,321,691 | $1,465,857 | ▲ $144,166 |
| Land, Buildings, and Equipment, Net | $282,045 | $282,457 | ▲ $412 |
| Cash and Non-Interest-Bearing Accounts | $262,288 | $255,027 | ▼ $7,261 |
| Prepaid Expenses and Deferred Charges | $23,034 | $12,549 | ▼ $10,485 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $15,240,191 | $15,231,760 | ▼ $8,431 |
| Other Assets Total | $159,860 | $165,954 | ▲ $6,094 |
| Liabilities | |||
| Other Liabilities | $13,842,929 | $13,673,512 | ▼ $169,417 |
| Accounts Payable and Accrued Expenses | $75,571 | $92,391 | ▲ $16,820 |
| Total Liabilities | $13,918,500 | $13,765,903 | ▼ $152,597 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,321,691 | $1,465,857 | ▲ $144,166 |
| Total Liabilities and Net Assets / Fund Balance | $15,240,191 | $15,231,760 | ▼ $8,431 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $165,758 | $240,588 | $0 |
| Other Land Buildings | $14,095 | $5,009 | $0 |
| Land | $84,138 | - | $0 |
| Equipment | $18,466 | $205,745 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Evelyn Sirois | CEO | FT | $75,000 | $75,000 |
| Name | Title |
|---|---|
| Betty Chamberline | Chairperson BOD |
| Kathy King | Chairperson Supervisory Committee |
| William Harvey | Vice Chair Person |
| David Cotton | Director |
| Steve Clark | Director |
| Tamara Gray | Director |
| William Duggan | Acting Secretary |
| Rhea Rhodes | Supervisory Committee Member |
| Sheri Bolster | Supervisory Committee Member |
| Judith Wisell | Treasurer BOD |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $369,809 |
| Other Expenses | $367,387 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $242,915 |
| Benefits to Members | - | - | - | $118,896 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $75,000 |
| Fees for Services Accounting | - | - | - | $58,835 |
| Information Technology | - | - | - | $40,071 |
| Office Expenses | - | - | - | $38,991 |
| Payroll Taxes | - | - | - | $35,895 |
| Advertising | - | - | - | $34,017 |
| Occupancy | - | - | - | $28,836 |
| All Other Expenses | - | - | - | $23,297 |
| Depreciation Depletion | - | - | - | $22,993 |
| Conferences and Meetings | - | - | - | $16,930 |
| Other Employee Benefits | - | - | - | $15,999 |
| Insurance | - | - | - | $15,620 |
| Other Expenses | - | - | - | $300 |
| Payments to Affiliates | - | - | - | $-156 |
| Total Functional Expenses | $0 | $0 | $0 | $856,092 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $856,092 |
| Total Expenses per Audited Statements | $856,092 |
| Total Expenses per Form 990 | $856,092 |
| 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 | $13,673,512 |
“We have 2096 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 at annual meeting.”
“Board of Directors review all financials at monthly meetings.”
“Discussed at monthly Board Meetings.”
“CEO position - 2016 review of average salary surveys compiled by Credit Union industry and local Chamber of Commerce.”
“Financials 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 | 75571 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 92391 |
| IRS990/AcctCompileOrReviewBasisGrp/ConsolAndSepBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | Credit Union/Not for profit financial institution |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 34017 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 23297 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 118896 |
| 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 | 262288 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 255027 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 75000 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 16930 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 118896 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 10898 |
| IRS990/CYOtherExpensesAmt | 0 | 367387 |
| IRS990/CYOtherRevenueAmt | 0 | 6597 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 982763 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 144166 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 369809 |
| IRS990/CYTotalExpensesAmt | 0 | 856092 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1000258 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 22993 |
| 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 | 58835 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| 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 | 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 | William Harvey |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | William Duggan |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Judith Wisell |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | David Cotton |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Steve Clark |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Tamara Gray |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Kathy King |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Rhea Rhodes |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Sheri Bolster |
| 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 | 75000 |
| 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 Chair Person |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Acting Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Treasurer 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 | 1957 |
| 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 | 1000258 |
| 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 | 2095 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 40071 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 15620 |
| IRS990/InterestGrp/TotalAmt | 0 | 0 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 10898 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 10898 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 1 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 451342 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 282045 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 282457 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 733799 |
| 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 | 1321691 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1465857 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 28836 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 38991 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 159860 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 165954 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 15999 |
| IRS990/OtherExpensesGrp/Desc | 0 | Share Draft/ATM/VISA expenses |
| IRS990/OtherExpensesGrp/Desc | 1 | Loss on disposable assets |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 87653 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 300 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 13842929 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 13673512 |
| 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 | 6597 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 6597 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/OtherRevenueTotalAmt | 0 | 6597 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 242915 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 11249403 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 10939166 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | -156 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 35895 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 23034 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 12549 |
| 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 |
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| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 982763 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 119826 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 3577 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 451574 |
| IRS990/PYOtherRevenueAmt | 0 | 8695 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1018237 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 144540 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 314569 |
| IRS990/PYTotalExpensesAmt | 0 | 885969 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 1030509 |
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| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
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| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
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| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1321691 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1465857 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 3263561 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 3576607 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 165758 |
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| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 406346 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
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| IRS990ScheduleD/DonatedServicesUseFcltsAmt | 0 | 0 |
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| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 205745 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 224211 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
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| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
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| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Deposit Accounts |
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| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 856092 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | We have 2096 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 at annual meeting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Board of Directors review all financials at monthly meetings. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Discussed at monthly Board Meetings. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | CEO position - 2016 review of average salary surveys compiled by Credit Union industry and local Chamber of Commerce. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | Financials 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 B, Line 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section C, Line 19 |
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| IRS990/SignificantChangeInd | 0 | 0 |
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| IRS990/TaxExemptBondsInd | 0 | 0 |
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| IRS990/TotalAssetsEOYAmt | 0 | 15231760 |
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| IRS990/TotalAssetsGrp/EOYAmt | 0 | 15231760 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
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| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 856092 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 13918500 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 13765903 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 13918500 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 13765903 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1321691 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1465857 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcExpenseAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcGrantAmt | 0 | 0 |
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Displayed year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.