Liabilities / Assets
97th percentile
Higher debt load relative to assets than 97% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
97th percentile
Higher debt load relative to assets than 97% of similar nonprofits.
Liabilities / Revenue
66th percentile
Higher debt load relative to revenue than 66% of similar nonprofits.
Net Margin
5th percentile
Higher net margin than 5% of similar nonprofits.
Top Officer Pay
76th percentile
Higher top officer pay than 76% of similar nonprofits.
Top officer pay equals 3.7% of source-year revenue.
Asset Growth
12th percentile
Faster asset growth than 12% of similar nonprofits.
Revenue Growth
8th percentile
Faster revenue growth than 8% of similar nonprofits.
Assets
Down$160,001,484
Down $485,462 (-0.3%) from 2016
Net Assets
Down$10,951,505
Down $278,711 (-2.5%) from 2016
Liabilities
Down$149,049,979
Down $206,751 (-0.1%) from 2016
Revenue
Down$7,540,254
Down $215,251 (-2.8%) from 2016
Expenses
Up$7,774,164
Up $278,344 (+3.7%) from 2016
Net Income
Down-$233,910
Down $493,595 (-190%) from 2016
Mutual credit union that provides financial services, primary deposit accounts and loans to members in the hampden and hampshire counties of massachusetts.
Credit union thrift services
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $109,036,859 | $99,115,267 | ▼ $9,921,592 |
| Investments in Publicly Traded Securities | $40,135,017 | $37,251,284 | ▼ $2,883,733 |
| Rtn Earn Endowment Incm Other Fnds | $11,230,216 | $10,951,505 | ▼ $278,711 |
| Savings and Temporary Cash Investments | $3,752,597 | $10,830,808 | ▲ $7,078,211 |
| Cash and Non-Interest-Bearing Accounts | $2,942,209 | $6,526,757 | ▲ $3,584,548 |
| Land, Buildings, and Equipment, Net | $1,392,242 | $3,188,463 | ▲ $1,796,221 |
| Investments Other Securities | $1,033,600 | $789,800 | ▼ $243,800 |
| Prepaid Expenses and Deferred Charges | $230,164 | $198,513 | ▼ $31,651 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $160,486,946 | $160,001,484 | ▼ $485,462 |
| Other Assets Total | $1,964,258 | $2,100,592 | ▲ $136,334 |
| Liabilities | |||
| Other Liabilities | $131,044,818 | $139,391,734 | ▲ $8,346,916 |
| Unsecured Notes Loans Payable | $18,000,000 | $9,000,000 | ▼ $9,000,000 |
| Accounts Payable and Accrued Expenses | $211,912 | $658,245 | ▲ $446,333 |
| Total Liabilities | $149,256,730 | $149,049,979 | ▼ $206,751 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $11,230,216 | $10,951,505 | ▼ $278,711 |
| Total Liabilities and Net Assets / Fund Balance | $160,486,946 | $160,001,484 | ▼ $485,462 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $2,308,751 | $1,516,686 | $3,825,437 |
| Other Land Buildings | $507,343 | $1,902,776 | $2,410,119 |
| Land | $370,652 | - | $370,652 |
| Leasehold Improvements | $1,717 | $38,801 | $40,518 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Adam Corcoran | President/CEO | FT | $256,682 | $22,460 | $279,142 |
| Deborah Pouliot | SVP Hr & Special Projects | FT | $76,421 | $12,976 | $89,397 |
| Laurie J Rollins | SVP of Finance/treasurer | FT | $81,265 | $3,112 | $84,377 |
| Kimberly Seaver | VP Sales and Service | FT | $75,245 | $7,707 | $82,952 |
| Jennifer Alves Faustino | VP Corporate Administrator | FT | $62,608 | $2,373 | $64,981 |
| Name | Title |
|---|---|
| David M Hodge | Chairman |
| Jay Hambley | First Vice Chairman |
| Benjamin Sabbs | Director |
| Glenn Beauregard | Director |
| Karen Kirby | Director |
| Marc Dugre | Director |
| Kevin Garvin | Clerk |
| Line Item | Amount |
|---|---|
| Other Expenses | $5,561,687 |
| Salaries, Compensation, and Employee Benefits | $2,212,477 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Interest | - | - | - | $1,439,362 |
| Other Salaries and Wages | - | - | - | $1,242,714 |
| Information Technology | - | - | - | $606,355 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $600,851 |
| All Other Expenses | - | - | - | $360,693 |
| Occupancy | - | - | - | $339,326 |
| Depreciation Depletion | - | - | - | $273,761 |
| Payroll Taxes | - | - | - | $162,427 |
| Other Employee Benefits | - | - | - | $155,325 |
| Advertising | - | - | - | $138,163 |
| Other Expenses | - | - | - | $112,258 |
| Insurance | - | - | - | $97,920 |
| Office Expenses | - | - | - | $94,347 |
| Fees for Services Other | - | - | - | $78,862 |
| Fees for Services Accounting | - | - | - | $59,537 |
| Fees for Services Legal | - | - | - | $54,055 |
| Pension Plan Contributions | - | - | - | $51,160 |
| Fees for Service Investment Mgmnt Fees | - | - | - | $31,805 |
| Conferences and Meetings | - | - | - | $14,643 |
| Total Functional Expenses | $0 | $0 | $0 | $7,774,164 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $7,774,164 |
| Total Expenses per Audited Statements | $7,774,164 |
| Total Expenses per Form 990 | $7,774,164 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Shares and Deposit Accounts | $139,144,137 |
| Other Liabilities | $247,597 |
“Persons who meet the requirements of the organization's field of membership who hold at least one share of the capital.”
“Each member has a vote at the election of the board of directors.”
“The forms 990 and 990t are prepared by a cpa firm. The board of directors will review the returns and this review will be documented in the meeting minutes.”
“Based on performance goals. Increases for ceo, cfo, and clo are reviewed by the board of directors prior to employee evaluation and pay-out.”
“Information is posted in credit union lobby and available upon request.”
“Prior period adjustment to increase loan loss allowance at 12/31/16 -160,003.”
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 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 211912 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 658245 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | CREDIT UNION THRIFT SERVICES |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 138163 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 360693 |
| IRS990/AuditCommitteeInd | 0 | 0 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | ADAM CORCORAN |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4135360475 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 710 GRATTAN STREET |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | CHICOPEE |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 01020 |
| 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 | 2942209 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 6526757 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 600851 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 14643 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 0 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 1102992 |
| IRS990/CYOtherExpensesAmt | 0 | 5561687 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 6437262 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -233910 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 2212477 |
| IRS990/CYTotalExpensesAmt | 0 | 7774164 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 7540254 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 273761 |
| IRS990/Desc | 0 | MUTUAL CREDIT UNION THAT PROVIDES FINANCIAL SERVICES, PRIMARY DEPOSIT ACCOUNTS AND LOANS TO MEMBERS IN THE HAMPDEN AND HAMPSHIRE COUNTIES OF MASSACHUSETTS. TOTAL MEMBERS AS OF DECEMBER 31, 2017 TOTALED 17,842. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 61 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 59537 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 54055 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 78862 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 31805 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 40.00 |
| 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/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | 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 | 22460 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 12976 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 3112 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 2373 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 7707 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | DAVID M HODGE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | KEVIN GARVIN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JAY HAMBLEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | MARC DUGRE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | GLENN BEAUREGARD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | KAREN KIRBY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | BENJAMIN SABBS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | ADAM CORCORAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | DEBORAH POULIOT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | LAURIE J ROLLINS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | JENNIFER ALVES FAUSTINO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | KIMBERLY SEAVER |
| 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 | 256682 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 76421 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 81265 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 62608 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 75245 |
| 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/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | CLERK |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | FIRST VICE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | PRESIDENT/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | SVP HR & SPECIAL PROJECTS |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | SVP OF FINANCE/TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | VP CORPORATE ADMINISTRATOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | VP SALES AND SERVICE |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1939 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | -9938 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 2240062 |
| IRS990/GrossReceiptsAmt | 0 | 9790254 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 606355 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 97920 |
| IRS990/InterestGrp/TotalAmt | 0 | 1439362 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 1112930 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1112930 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 1033600 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 789800 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 40135017 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 37251284 |
| IRS990/IRPDocumentCnt | 0 | 3533 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 3458263 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1392242 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 3188463 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 6646726 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 2250000 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | MUTUAL CREDIT UNION THAT PROVIDES FINANCIAL SERVICES, PRIMARY DEPOSIT ACCOUNTS AND LOANS TO MEMBERS IN THE HAMPDEN AND HAMPSHIRE COUNTIES OF MASSACHUSETTS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 11230216 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 10951505 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | -9938 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -9938 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -33830 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 115202 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 339326 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 94347 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1964258 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 2100592 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -160003 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 155325 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | DEBIT CARD EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 2 | POSTAGE |
| IRS990/OtherExpensesGrp/Desc | 3 | MISCELLANEOUS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 1470000 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 220281 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 170319 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 112258 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 131044818 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 139391734 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1242714 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 109036859 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 99115267 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 162427 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 51160 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 230164 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 198513 |
| IRS990/PrincipalOfficerNm | 0 | ADAM CORCORAN |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | GAINS ON LOANS SOLD |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4696351 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 659122 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 371657 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 4696351 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 702021 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 371657 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 42899 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 815465 |
| IRS990/PYOtherExpensesAmt | 0 | 5336791 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 6940040 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 259685 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2159029 |
| IRS990/PYTotalExpensesAmt | 0 | 7495820 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 7755505 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -233910 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 11230216 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 10951505 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 3752597 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 10830808 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 2308751 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1516686 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 3825437 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 7774164 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 370652 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 370652 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 1717 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 38801 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 40518 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 507343 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 1902776 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 2410119 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 139144137 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 247597 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES AND DEPOSIT ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | OTHER LIABILITIES |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 7540254 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 3188463 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 7774164 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 139391734 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 7540254 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 7540254 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 7774164 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 256682 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 7700 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 14760 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | ADAM CORCORAN |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT/CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 279142 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | THE COMPENSATION OF THE PRESIDENT/CEO IS REVIEWED AND APPROVED BY THE BOARD OF DIRECTORS. |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART I, LINE 3 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990ScheduleJ/WrittenEmploymentContractInd | 0 | X |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | PERSONS WHO MEET THE REQUIREMENTS OF THE ORGANIZATION'S FIELD OF MEMBERSHIP WHO HOLD AT LEAST ONE SHARE OF THE CAPITAL. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | EACH MEMBER HAS A VOTE AT THE ELECTION OF THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE FORMS 990 AND 990T ARE PREPARED BY A CPA FIRM. THE BOARD OF DIRECTORS WILL REVIEW THE RETURNS AND THIS REVIEW WILL BE DOCUMENTED IN THE MEETING MINUTES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | BASED ON PERFORMANCE GOALS. INCREASES FOR CEO, CFO, AND CLO ARE REVIEWED BY THE BOARD OF DIRECTORS PRIOR TO EMPLOYEE EVALUATION AND PAY-OUT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | INFORMATION IS POSTED IN CREDIT UNION LOBBY AND AVAILABLE UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | PRIOR PERIOD ADJUSTMENT TO INCREASE LOAN LOSS ALLOWANCE AT 12/31/16 -160,003. |
| 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 B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART XI, LINE 9: |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 160486946 |
| IRS990/TotalAssetsEOYAmt | 0 | 160001484 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 160486946 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 160001484 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 1 |
| IRS990/TotalEmployeeCnt | 0 | 61 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 7774164 |
| IRS990/TotalGrossUBIAmt | 0 | 42899 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 149256730 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 149049979 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 149256730 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 149049979 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 11230216 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 10951505 |
| IRS990/TotalOtherCompensationAmt | 0 | 48628 |
| IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt | 0 | 667233 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 667233 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 6437262 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 552221 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 1112930 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 6384425 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 7540254 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 42899 |
| IRS990/TotalVolunteersCnt | 0 | 9 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 160486946 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 160001484 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt | 0 | 18000000 |
| IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt | 0 | 9000000 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 710 GRATTAN STREET |
| IRS990/USAddress/CityNm | 0 | CHICOPEE |
| IRS990/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990/USAddress/ZIPCd | 0 | 01020 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 9 |
| IRS990/VotingMembersIndependentCnt | 0 | 9 |
| IRS990/WebsiteAddressTxt | 0 | WWW.ALDENCU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2018-06-14 16:35:46Z |
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Displayed year
2017 • Form 990Detailed filing. Detailed filing data is available for this year.