Civic Intelligence

802 Credit Union

EIN 03-6005430 • 501(c)14 • Barre, VT

View Organization Page

Profile

Credit Union - Services directly related to credit union operations providing automobile, home equity, and personal loans to a membership of approximately 37,200.

265 S Main StBarre, VT 05641

www.802cu.com

Siviq Scores

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

Liabilities / Assets

28th percentile

0.88x

Higher debt load relative to assets than 28% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

15th percentile

12.21x

Higher debt load relative to revenue than 15% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

94th percentile

26%

Higher net margin than 94% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

70th percentile

5.3%

Faster asset growth than 70% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Revenue Growth

97th percentile

37%

Faster revenue growth than 97% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets28th percentile

Assets

Up

$416,360,161

Up $24,840,125 (+6.3%) from 2023

Liabilities

Up

$367,195,031

Up $16,970,127 (+4.8%) from 2023

Net Assets

Up

$49,165,130

Up $7,869,998 (+19%) from 2023

Operations
Liabilities / Revenue15th percentileNet Margin94th percentile

Revenue

Up

$30,077,912

Up $4,241,811 (+16%) from 2023

Expenses

Up

$22,207,914

Up $4,564,613 (+26%) from 2023

Net Income

Down

$7,869,998

Down $322,802 (-3.9%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth70th percentile

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

$600M$400M$200M$0Assets 2011: $72,078,245Liabilities 2011: $65,238,552Net Assets 2011: $6,839,6932011Assets 2017: $133,203,350Liabilities 2017: $119,539,761Net Assets 2017: $13,663,5892017Assets 2019: $138,850,482Liabilities 2019: $123,595,056Net Assets 2019: $15,255,4262019Assets 2020: $327,456,002Liabilities 2020: $298,280,290Net Assets 2020: $29,175,7122020Assets 2021: $364,670,172Liabilities 2021: $334,453,420Net Assets 2021: $30,216,7522021Assets 2022: $375,569,734Liabilities 2022: $342,930,992Net Assets 2022: $32,638,7422022Assets 2023: $391,520,036Liabilities 2023: $350,224,904Net Assets 2023: $41,295,1322023Assets 2024: $416,360,161Liabilities 2024: $367,195,031Net Assets 2024: $49,165,1302024

Highlighted filing

2024

Assets$416,360,161
Liabilities$367,195,031
Net Assets$49,165,130
Open 2024 Filing

Operations Trend

Revenue Growth97th percentile

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

$40M$30M$20M$10M$0Revenue 2011: $3,510,653Expenses 2011: $2,914,297Net Income 2011: $596,3562011Revenue 2017: $5,630,189Expenses 2017: $4,537,652Net Income 2017: $1,092,5372017Revenue 2019: $6,514,686Expenses 2019: $5,856,626Net Income 2019: $658,0602019Revenue 2020: $9,816,119Expenses 2020: $7,669,695Net Income 2020: $2,146,4242020Revenue 2021: $13,256,180Expenses 2021: $12,215,140Net Income 2021: $1,041,0402021Revenue 2022: $16,122,320Expenses 2022: $13,700,330Net Income 2022: $2,421,9902022Revenue 2023: $25,836,101Expenses 2023: $17,643,301Net Income 2023: $8,192,8002023Revenue 2024: $30,077,912Expenses 2024: $22,207,914Net Income 2024: $7,869,9982024

Highlighted filing

2024

Revenue$30,077,912
Expenses$22,207,914
Net Income$7,869,998
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$416,360,161
Liabilities
$367,195,031
Net assets
$49,165,130
Revenue
$30,077,912
Expenses
$22,207,914
Net income
$7,869,998
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$416$367$49.2$30.1$22.2$7.87
2023Detailed filing. Detailed filing data is available for this year.$392$350$41.3$25.8$17.6$8.19
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$376$343$32.6$16.1$13.7$2.42
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$365$334$30.2$13.3$12.2$1.04
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$327$298$29.2$9.82$7.67$2.15
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$139$124$15.3$6.51$5.86$0.66
2017Summary only. Only limited summary data is available for this year.$133$120$13.7$5.63$4.54$1.09
2011Summary only. Only limited summary data is available for this year.$72.1$65.2$6.84$3.51$2.91$0.60
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 31, 2025
Return Version
2024v5.0
Gross Receipts
$30,077,912
Mission and Program Overview

Mission

Credit Union - Services directly related to credit union operations providing automobile, home equity, and personal loans to a membership of approximately 34,000.

Credit Union - Services directly related to credit union operations providing automobile, home equity, and personal loans to a membership of approximately 37,200.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$275,509,201$306,788,274▲ $31,279,073
Savings and Temporary Cash Investments$96,865,265$89,212,634▼ $7,652,631
Rtn Earn Endowment Incm Other Fnds$41,295,132$49,165,130▲ $7,869,998
Land, Buildings, and Equipment, Net$9,121,043$9,113,037▼ $8,006
Cash and Non-Interest-Bearing Accounts$984,750$2,200,022▲ $1,215,272
Accounts Receivable$1,103,534$1,193,283▲ $89,749
Prepaid Expenses and Deferred Charges$1,126,230$977,344▼ $148,886
Pledges and Grants Receivable$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$391,520,036$416,360,161▲ $24,840,125
Other Assets Total$6,810,013$6,875,567▲ $65,554
Liabilities
Other Liabilities$347,779,532$363,951,402▲ $16,171,870
Accounts Payable and Accrued Expenses$2,445,372$3,243,629▲ $798,257
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$350,224,904$367,195,031▲ $16,970,127
Net Assets / Fund Balance
Total Net Assets Fund Balance$41,295,132$49,165,130▲ $7,869,998
Total Liabilities and Net Assets / Fund Balance$391,520,036$416,360,161▲ $24,840,125

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,236,003$3,575,307$9,811,310
Land$2,245,232-$2,245,232
Equipment$631,802$1,037,429$1,669,231
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Sean GammonExec Director/CEOFT$412,150$412,150
Stacey BenoitChief Operating OfficerFT$175,937$175,937
Jill FortierChief Financial OfficerFT$163,302$163,302
Celina AyersVP Human Resources and ComplianceFT$124,476$124,476
Amanda RosendbeckVP Branch AdministrationFT$123,965$123,965
Ethan GrimesVP Mortgage LendingFT$120,859$120,859
Laura PaiceVP Consumer LendingFT$117,479$117,479
Jaime RichardsonVP Marketing Compliance and CultureFT$112,889$112,889
Kate BoudreauVP of Finance and OperationsFT$110,514$110,514

Board Members and Trustees

NameTitle
Jeff MobusBoard Chair/President
Michael CooneyBoard Vice Chair
Bob KendallBoard Member
Gary AdamskiBoard Member
Gladys BerryBoard Member
James ValenteBoard Member
Joeseph ShattieBoard Member
Owen ShindlerBoard Member
Robin SweetappleBoard Member
John SamaBoard Member/Treasurer
Mary HullSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$26,055,775
Investment Income
$4,022,137
Other Revenue
$0
Change in Net Assets
$7,869,998

Audited Revenue Reconciliation

Revenue per Audited Statements
$30,077,912
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$30,077,912
Total Revenue per Form 990
$30,077,912
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,025,428
Salaries, Compensation, and Employee Benefits$8,936,575
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,306,233
Other Expenses---$4,554,242
Benefits to Members---$3,245,911
Current Officers, Directors, Trustees, and Key Employees---$1,461,571
Office Expenses---$1,386,984
Other Employee Benefits---$1,008,198
Occupancy---$653,225
Pension Plan Contributions---$643,139
Depreciation Depletion---$562,782
Payroll Taxes---$517,434
Travel---$362,516
Advertising---$223,755
Total Functional Expenses$0$0$0$22,207,914

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$22,207,914
Total Expenses per Audited Statements$22,207,914
Total Expenses per Form 990$22,207,914
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Shares$363,951,402
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Yes, approximately 37,200 members.”

Form 990, Part VI, Section A, Line 7A

“The governing body is elected by the membership.”

Form 990, Part VI, Section A, Line 7B

“Yes, bylaw changes and merger decisions must be approved by the membership.”

Form 990, Part VI, Section B, Line 11B

“Reviewed by the CEO, management team and the President of the Board of Directors.”

Form 990, Part VI, Section B, Line 12C

“Through monthly Board meetings, Supervisory committee meetings, Management review and annual policy review. Potential loan conflicts are reviewed with each loan request and documented approval is in each file.”

Form 990, Part VI, Section B, Line 15

“A detailed comparability analysis took place for the CEO's salary in December 2024 and previously December 2023.”

Form 990, Part VI, Section C, Line 17

“None”

Form 990, Part VI, Section C, Line 19

“Financials are posted monthly at all of our locations and also distributed at our annual meeting.”

Form 990, Part VII, Section B, Line 1(A)

“None”

Filing and Contact Details

Filer

Filer Name
802 Credit Union
EIN
03-6005430
Phone
8024799411
Address
265 S Main St, BARRE, VT 05641

Signing Officer

Name
Jill Fortier
Title
CFO
Phone
8022513703
Signed
2025-10-31

Organization Details

Principal Officer
Sean Gammon
Formed
1953
Legal Domicile
Vt
Voting Board Members
11
Independent Board Members
11
Employees
135
Volunteers
25
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24A - 24D

“General Credit Union Operating Expenses”

Raw XML AppendixShowing 400 of 572 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.

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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/TitleTxt0Exec Director/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chief Operating Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt2Chief Financial Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt3VP Human Resources and Compliance
IRS990/Form990PartVIISectionAGrp/TitleTxt4VP Branch Administration
IRS990/Form990PartVIISectionAGrp/TitleTxt5VP Mortgage Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt6VP Consumer Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP Marketing Compliance and Culture
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP of Finance and Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt9Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt10Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt11Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt12Board Chair/President
IRS990/Form990PartVIISectionAGrp/TitleTxt13Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt14Board Member/Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt15Board Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt16Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt17Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt18Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt19Board Member
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IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
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IRS990/GrantsToOrganizationsInd00
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IRS990/MinutesOfCommitteesInd01
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IRS990/OfficeExpensesGrp/TotalAmt01386984
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IRS990/OtherAssetsTotalGrp/EOYAmt06875567
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IRS990/PrincipalOfficerNm0Sean Gammon
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IRS990/PYOtherExpensesAmt08613515
IRS990/PYOtherRevenueAmt00
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IRS990/ReconcilationRevenueExpnssAmt07869998
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt041295132
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt049165130
IRS990/SavingsAndTempCashInvstGrp/BOYAmt096865265
IRS990/SavingsAndTempCashInvstGrp/EOYAmt089212634
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt06236003
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03575307
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt09811310
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00

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