Civic Intelligence

Green Mountain Credit Union

EIN 03-0213165 • 501(c)14 • South Burlington, VT

View Organization Page

Profile

To provide competitive member services in a convenient, timely, and professional manner utilizing sound management practices

Refreshing map…

1250 Shelburne RoadSouth Burlington, VT 05403-7783

www.greenmountaincu.com

Siviq Scores

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

Liabilities / Assets

23rd percentile

0.86x

Higher debt load relative to assets than 23% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

21st percentile

12.31x

Higher debt load relative to revenue than 21% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

71st percentile

17%

Higher net margin than 71% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

52nd percentile

$236,840

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 3.3% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

47th percentile

2.2%

Faster asset growth than 47% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

13th percentile

2.8%

Faster revenue growth than 13% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets23rd percentile

Assets

Up

$102,349,064

Up $2,181,115 (+2.2%) from 2023

Liabilities

Up

$88,353,456

Up $937,070 (+1.1%) from 2023

Net Assets

Up

$13,995,608

Up $1,244,045 (+9.8%) from 2023

Operations
Liabilities / Revenue21st percentileNet Margin71st percentile

Revenue

Up

$7,177,456

Up $196,487 (+2.8%) from 2023

Expenses

Up

$5,933,412

Up $646,952 (+12%) from 2023

Net Income

Down

$1,244,044

Down $450,465 (-27%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth47th percentile

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

$150M$100M$50M$0Assets 2010: $18,989,752Liabilities 2010: $17,630,453Net Assets 2010: $1,359,2992010Assets 2011: $19,432,264Liabilities 2011: $18,047,626Net Assets 2011: $1,384,6382011Assets 2012: $19,503,347Liabilities 2012: $18,217,081Net Assets 2012: $1,286,2662012Assets 2013: $21,330,387Liabilities 2013: $19,723,912Net Assets 2013: $1,606,4752013Assets 2014: $29,096,038Liabilities 2014: $26,999,282Net Assets 2014: $2,096,7562014Assets 2015: $40,932,686Liabilities 2015: $38,390,004Net Assets 2015: $2,542,6822015Assets 2016: $46,732,782Liabilities 2016: $43,376,566Net Assets 2016: $3,356,2162016Assets 2017: $49,993,645Liabilities 2017: $45,746,200Net Assets 2017: $4,247,4452017Assets 2018: $56,218,268Liabilities 2018: $51,040,784Net Assets 2018: $5,177,4842018Assets 2020: $79,226,806Liabilities 2020: $71,960,635Net Assets 2020: $7,266,1712020Assets 2021: $91,896,569Liabilities 2021: $83,122,510Net Assets 2021: $8,774,0592021Assets 2022: $96,882,012Liabilities 2022: $85,816,754Net Assets 2022: $11,065,2582022Assets 2023: $100,167,949Liabilities 2023: $87,416,386Net Assets 2023: $12,751,5632023Assets 2024: $102,349,064Liabilities 2024: $88,353,456Net Assets 2024: $13,995,6082024

Highlighted filing

2024

Assets$102,349,064
Liabilities$88,353,456
Net Assets$13,995,608
Open 2024 Filing

Operations Trend

Revenue Growth13th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $1,556,0642010Revenue 2011: $1,591,772Expenses 2011: $1,566,433Net Income 2011: $25,3392011Expenses 2012: $1,664,7562012Revenue 2013: $1,580,876Expenses 2013: $1,467,929Net Income 2013: $112,9472013Revenue 2014: $1,798,318Expenses 2014: $1,570,850Net Income 2014: $227,4682014Revenue 2015: $2,259,929Expenses 2015: $1,814,003Net Income 2015: $445,9262015Revenue 2016: $2,911,142Expenses 2016: $2,097,608Net Income 2016: $813,5342016Revenue 2017: $3,078,313Expenses 2017: $2,187,085Net Income 2017: $891,2282017Revenue 2018: $3,511,452Expenses 2018: $2,581,412Net Income 2018: $930,0402018Revenue 2020: $4,142,181Expenses 2020: $3,243,246Net Income 2020: $898,9352020Revenue 2021: $4,717,938Expenses 2021: $3,210,050Net Income 2021: $1,507,8882021Revenue 2022: $5,731,956Expenses 2022: $3,440,757Net Income 2022: $2,291,1992022Revenue 2023: $6,980,969Expenses 2023: $5,286,460Net Income 2023: $1,694,5092023Revenue 2024: $7,177,456Expenses 2024: $5,933,412Net Income 2024: $1,244,0442024

Highlighted filing

2024

Revenue$7,177,456
Expenses$5,933,412
Net Income$1,244,044
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$102,349,064
Liabilities
$88,353,456
Net assets
$13,995,608
Revenue
$7,177,456
Expenses
$5,933,412
Net income
$1,244,044
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$102$88.4$14.0$7.18$5.93$1.24
2023Detailed filing. Detailed filing data is available for this year.$100$87.4$12.8$6.98$5.29$1.69
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$96.9$85.8$11.1$5.73$3.44$2.29
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$91.9$83.1$8.77$4.72$3.21$1.51
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$79.2$72.0$7.27$4.14$3.24$0.90
2018Summary only. Only limited summary data is available for this year.$56.2$51.0$5.18$3.51$2.58$0.93
2017Summary only. Only limited summary data is available for this year.$50.0$45.7$4.25$3.08$2.19$0.89
2016Summary only. Only limited summary data is available for this year.$46.7$43.4$3.36$2.91$2.10$0.81
2015Detailed filing. Detailed filing data is available for this year.$40.9$38.4$2.54$2.26$1.81$0.45
2014Detailed filing. Detailed filing data is available for this year.$29.1$27.0$2.10$1.80$1.57$0.23
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$21.3$19.7$1.61$1.58$1.47$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.5$18.2$1.29$1.66
2011Summary only. Only limited summary data is available for this year.$19.4$18.0$1.38$1.59$1.57$0.03
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.0$17.6$1.36$1.56
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 17, 2025
Return Version
2024v5.2
Gross Receipts
$7,229,612
Mission and Program Overview

Mission

To provide competitive member services in a convenient, timely, and professional manner utilizing sound management practices.

A notforprofit full service financial institution providing members with useful competitive and efficiently delivered financial services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$84,862,784$88,671,583▲ $3,808,799
Savings and Temporary Cash Investments$9,721,778$7,972,909▼ $1,748,869
Land, Buildings, and Equipment, Net$773,017$868,767▲ $95,750
Cash and Non-Interest-Bearing Accounts$511,704$580,339▲ $68,635
Receivables From Officers Etc$226,556$401,967▲ $175,411
Intangible Assets$235,437$235,437→ $0
Prepaid Expenses and Deferred Charges$79,585$88,490▲ $8,905
Investments Program Related$51,500$51,600▲ $100
Total Assets$100,167,949$102,349,064▲ $2,181,115
Other Assets Total$3,705,588$3,477,972▼ $227,616
Liabilities
Other Liabilities$84,683,940$85,806,500▲ $1,122,560
Accounts Payable and Accrued Expenses$2,732,446$2,546,956▼ $185,490
Total Liabilities$87,416,386$88,353,456▲ $937,070
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$12,751,563$13,995,608▲ $1,244,045
Total Net Assets Fund Balance$12,751,563$13,995,608▲ $1,244,045
Total Liabilities and Net Assets / Fund Balance$100,167,949$102,349,064▲ $2,181,115

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$687,131$622,170$1,309,301
Equipment$181,636$707,894$889,530
Investment Program Related Org$51,600--
Compensation and Service Providers
Top Officer Pay52nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert J LakeCeotreasurerFT$188,562$71,112$236,840
John E St HilaireCfocooFT$144,893$58,084$222,323
Stephanie StrubleVP of ComplianceFT$131,886$40,016$175,390
Patricia J RobbinsVP of Mortgage LendingFT$101,364$29,190$130,554
Mark a ShepardVP of Business LendingFT$77,881$21,161$99,042
Tanya B MooreVP of AdministrationFT$81,442$9,696$91,138

Board Members and Trustees

NameTitle
David BlytheChairman
John KingVice Chairman
Norman R BlaisDirector
Tiana SmithSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,883,381
Investment Income
$294,075
Other Revenue
$0
Change in Net Assets
$1,244,044

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,177,456
Total Revenue per Audited Statements
$7,177,456
Total Revenue per Form 990
$7,177,456
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,815,403
Salaries, Compensation, and Employee Benefits$2,118,009
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$2,042,770
Other Salaries and Wages---$916,053
Current Officers, Directors, Trustees, and Key Employees---$798,028
Occupancy---$351,411
Other Employee Benefits---$207,944
Office Expenses---$169,539
Information Technology---$145,040
Depreciation Depletion---$141,456
Payroll Taxes---$131,062
Fees for Services Accounting---$106,103
Other Expenses---$97,630
Advertising---$82,852
All Other Expenses---$77,747
Pension Plan Contributions---$64,922
Insurance---$49,826
Fees for Services Legal---$22,002
Conferences and Meetings---$19,308
Travel---$16,014
Total Functional Expenses$0$0$0$5,933,412

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$5,933,415
Expenses per Audited Statements$5,933,412
Total Expenses per Form 990$5,933,412
Expenses Not Reported on Form 990$3
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Robert LakeCEORentNo$172,285

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$226,556$401,967▲ $175,411
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$79,982,536
Non-member Deposits$5,767,000
Suspense & Clearing Accts$56,964
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI Line 6

“The organization has members: persons who meet the requirements of the”

Part VI Line 6

“The field of membership and who hold at least one share of capital”

Part VI Line 7A

“The members of the organization may elect the governing body”

Part VI Line 7B

“MERGERS AND ACQUISITIONS”

Part VI Line 11B

“Form 990 prepared by cu accountant & reviewed by cpa & cu cfo. Draft given”

Part VI Line 11B

“To cu board to review at next meeting and prior to filing”

Part VI Line 12C

“Each member of the board of directors signs an annual disclosure certifying”

Part VI Line 12C

“That there were no instances of conflict of interest”

Part VI Line 18

“Information is available upon written or electronic request”

Part VI Line 19

“Information is available upon written or electronic request”

Filing and Contact Details

Filer

Filer Name
Green Mountain Credit Union
EIN
03-0213165
In Care Of
% JOHN E ST HILAIRE
Phone
8028646892
Address
1250 SHELBURNE ROAD, SOUTH BURLINGTON, VT 05403-7783

Signing Officer

Name
John E St Hilaire
Title
Cfocoo
Phone
8028646892
Signed
2025-10-17

Organization Details

Principal Officer
John E St Hilaire
Formed
1959
Legal Domicile
Vt
Voting Board Members
5
Independent Board Members
4
Employees
31
Volunteers
6
Supplemental Narrative

Additional Explanations

Part XI Line 9

“ROUNDING”

Part IX Line 24E

“LOAN SERVICING 28,618”

Part IX Line 24E

“Miscellaneous expenses 27,835”

Part IX Line 24E

“ASSOCIATION DUES 17,305”

Part IX Line 24E

“Member documents & services 3,989”

Part IX Line 24E

“Total other expenses 77,747”

Financial Statement Notes

Part XII, Line 2D-Other expenses included on Sch D but not on 990

“ROUNDING”

Part X, Line 2-Text in footnote regarding FIN 48 (ASC 740)

“THE CREDIT UNION IS EXEMPT FROM FEDERAL AND STATE INCOME TAXES AS AN ORGANIZATION UNDER INTERNAL REVENUE CODE SECTION 501(c)(14).”

Raw XML AppendixShowing 400 of 526 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/AdvertisingGrp/TotalAmt082852
IRS990/AllOtherExpensesGrp/TotalAmt077747
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IRS990/BooksInCareOfDetail/PhoneNum08028646892
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01250 SHELBURNE ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0SOUTH BURLINGTON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0VT
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0054037783
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IRS990/BusinessRlnWithFamMemInd0false
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IRS990/CashNonInterestBearingGrp/BOYAmt0511704
IRS990/CashNonInterestBearingGrp/EOYAmt0580339
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0798028
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
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IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
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IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0294075
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IRS990/CYOtherRevenueAmt00
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IRS990/CYTotalRevenueAmt07177456
IRS990/DecisionsSubjectToApprovaInd0true
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IRS990/DepreciationDepletionGrp/TotalAmt0141456
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IRS990/DescribedInSection501c3Ind0false
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IRS990/ExpenseAmt02042770
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CEOTREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt1CFOCOO
IRS990/Form990PartVIISectionAGrp/TitleTxt2VP OF COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt3VP OF MORTGAGE LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt4VP OF BUSINESS LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt5VP OF ADMINISTRATION
IRS990/Form990PartVIISectionAGrp/TitleTxt6CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt7VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt8SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0true
IRS990/FormationYr01959
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IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
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IRS990/GamingActivitiesInd0false
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IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt034800
IRS990/GrossReceiptsAmt07229612
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt04
IRS990/IndivRcvdGreaterThan100KCnt04
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0145040
IRS990/InsuranceGrp/TotalAmt049826
IRS990/IntangibleAssetsGrp/BOYAmt0235437
IRS990/IntangibleAssetsGrp/EOYAmt0235437
IRS990/InterestGrp/TotalAmt02042770
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0311431
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0311431
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt051500
IRS990/InvestmentsProgramRelatedGrp/EOYAmt051600
IRS990/IRPDocumentCnt01511
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01330064
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0773017
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0868767
IRS990/LandBldgEquipCostOrOtherBssAmt02198831
IRS990/LegalDomicileStateCd0VT
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt052156
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROVIDE COMPETITIVE MEMBER SERVICES IN A CONVENIENT, TIMELY, AND PROFESSIONAL MANNER UTILIZING SOUND MANAGEMENT PRACTICES
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt012751563
IRS990/NetAssetsOrFundBalancesEOYAmt013995608
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-17356
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-17356
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt012751563
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt013995608
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0351411
IRS990/OfficeExpensesGrp/TotalAmt0169539
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03705588
IRS990/OtherAssetsTotalGrp/EOYAmt03477972
IRS990/OtherChangesInNetAssetsAmt01
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0207944
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT CARD EXPENSE
IRS990/OtherExpensesGrp/Desc2VISA EXPENSE
IRS990/OtherExpensesGrp/Desc3PROFESSNL & OUTSIDE SVCES
IRS990/OtherExpensesGrp/TotalAmt0259094
IRS990/OtherExpensesGrp/TotalAmt1133839
IRS990/OtherExpensesGrp/TotalAmt2100772
IRS990/OtherExpensesGrp/TotalAmt397630
IRS990/OtherInd0X
IRS990/OtherLiabilitiesGrp/BOYAmt084683940
IRS990/OtherLiabilitiesGrp/EOYAmt085806500
IRS990/OtherSalariesAndWagesGrp/TotalAmt0916053
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt084862784
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt088671583
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0131062
IRS990/PensionPlanContributionsGrp/TotalAmt064922
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt079585
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt088490
IRS990/PrincipalOfficerNm0JOHN E ST HILAIRE
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1DEBIT CARD INTERCHANGE
IRS990/ProgramServiceRevenueGrp/Desc2FEES & SERVICE CHARGES
IRS990/ProgramServiceRevenueGrp/Desc3CREDIT CARD INTERCHANGE
IRS990/ProgramServiceRevenueGrp/Desc4MORTGAGE ORIGINATION INC
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06410607
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1204741
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2174792
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt347144
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt438122
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06410607
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1204741
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2174792
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt347144
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt438122
IRS990/ProgSrvcAccomActy2Grp/Desc0MAINTENANCE OF MEMBER LOAN ACCOUNTS. NUMBER OF ACCOUNTS IS 2,769.
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt06410607
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0323910
IRS990/PYOtherExpensesAmt03423846
IRS990/PYProgramServiceRevenueAmt06657059
IRS990/PYRevenuesLessExpensesAmt01694509
IRS990/PYSalariesCompEmpBnftPaidAmt01862614
IRS990/PYTotalExpensesAmt05286460
IRS990/PYTotalRevenueAmt06980969
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0226556
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0401967
IRS990/ReconcilationRevenueExpnssAmt01244044
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09721778
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07972909
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt0181636
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0707894
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0889530
IRS990ScheduleD/ExpensesNotReportedAmt03
IRS990ScheduleD/ExpensesSubtotalAmt05933412
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt051600
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0FHLB BOSTON STOCK
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0687131
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0622170
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01309301
IRS990ScheduleD/OtherExpensesIncludedAmt03
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt079982536
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt15767000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt256964
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1NON-MEMBER DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SUSPENSE & CLEARING ACCTS
IRS990ScheduleD/RevenueSubtotalAmt07177456
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0ROUNDING
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS EXEMPT FROM FEDERAL AND STATE INCOME TAXES AS AN ORGANIZATION UNDER INTERNAL REVENUE CODE SECTION 501(c)(14).
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part XII, Line 2d-Other expenses included on Sch D but not on 990
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Part X, Line 2-Text in footnote regarding FIN 48 (ASC 740)
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0868767
IRS990ScheduleD/TotalBookValueProgramRltdAmt051600
IRS990ScheduleD/TotalExpensesPerForm990Amt05933412
IRS990ScheduleD/TotalLiabilityAmt085806500
IRS990ScheduleD/TotalRevenuePerForm990Amt07177456
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt07177456
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt05933415
IRS990ScheduleJ/AnyNonFixedPaymentsInd0false
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd0false
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd0false
IRS990ScheduleJ/DiscretionarySpendingAcctInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/InitialContractExceptionInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0188562
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1144893
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2131886
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount037000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount125000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount210000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt011278
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt129596
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt230016
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt022834
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt13488
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ROBERT J LAKE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1JOHN E ST HILAIRE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2STEPHANIE STRUBLE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEOTREASURER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFOCOO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2VP OF COMPLIANCE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0236840
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1222323
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2175390
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SubstantiationRequiredInd0true
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0ANNUAL WRITTEN REVIEWS.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1COMPENSATION IS BASED ON
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt2THE ANNUAL BUDGET
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt3ALLOWANCE AND COMPARED TO
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt4SYSTEM GENERATED FACTS,
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt5POLICIES, AND FINANCIALS.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt6COMPENSATION IS APPROVED
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt7BY THE BOARD.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc2Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc3Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc4Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc5Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc6Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc7Part I, Line 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd0true
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0ROBERT LAKE
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0CEO
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd1false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt0172285
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0RENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0401967
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0LOANS FROM
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1CREDIT UNION
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2MADE ON THE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3SAME TERMS

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