Liabilities / Assets
98th percentile
Higher debt load relative to assets than 98% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
98th percentile
Higher debt load relative to assets than 98% of similar nonprofits.
Liabilities / Revenue
84th percentile
Higher debt load relative to revenue than 84% of similar nonprofits.
Net Margin
7th percentile
Higher net margin than 7% of similar nonprofits.
Top Officer Pay
87th percentile
Higher top officer pay than 87% of similar nonprofits.
Top officer pay equals 4.5% of source-year revenue.
Asset Growth
44th percentile
Faster asset growth than 44% of similar nonprofits.
Revenue Growth
3rd percentile
Faster revenue growth than 3% of similar nonprofits.
Assets
Up$164,262,617
Up $4,261,133 (+2.7%) from 2017
Net Assets
Down$10,523,826
Down $427,679 (-3.9%) from 2017
Liabilities
Up$153,738,791
Up $4,688,812 (+3.1%) from 2017
Revenue
Down$7,234,011
Down $306,243 (-4.1%) from 2017
Expenses
Down$7,035,052
Down $739,112 (-9.5%) from 2017
Net Income
Up$198,959
Up $432,869 (+185%) from 2017
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 | $99,115,267 | $91,173,098 | ▼ $7,942,169 |
| Investments in Publicly Traded Securities | $37,251,284 | $38,037,757 | ▲ $786,473 |
| Cash and Non-Interest-Bearing Accounts | $6,526,757 | $17,223,442 | ▲ $10,696,685 |
| Rtn Earn Endowment Incm Other Fnds | $10,951,505 | $10,523,826 | ▼ $427,679 |
| Investments Program Related | - | $6,838,991 | - |
| Investments Other Securities | $789,800 | $3,362,063 | ▲ $2,572,263 |
| Land, Buildings, and Equipment, Net | $3,188,463 | $3,113,116 | ▼ $75,347 |
| Savings and Temporary Cash Investments | $10,830,808 | $2,298,539 | ▼ $8,532,269 |
| Prepaid Expenses and Deferred Charges | $198,513 | $178,415 | ▼ $20,098 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $160,001,484 | $164,262,617 | ▲ $4,261,133 |
| Other Assets Total | $2,100,592 | $2,037,196 | ▼ $63,396 |
| Liabilities | |||
| Other Liabilities | $139,391,734 | $152,734,617 | ▲ $13,342,883 |
| Unsecured Notes Loans Payable | $9,000,000 | $0 | ▼ $9,000,000 |
| Accounts Payable and Accrued Expenses | $658,245 | $1,004,174 | ▲ $345,929 |
| Total Liabilities | $149,049,979 | $153,738,791 | ▲ $4,688,812 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $10,951,505 | $10,523,826 | ▼ $427,679 |
| Total Liabilities and Net Assets / Fund Balance | $160,001,484 | $164,262,617 | ▲ $4,261,133 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $2,286,874 | $1,636,846 | $3,923,720 |
| Other Land Buildings | $455,590 | $2,048,258 | $2,503,848 |
| Land | $370,652 | - | $370,652 |
| Leasehold Improvements | $0 | $40,518 | $40,518 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Adam Corcoran | President/CEO | FT | $286,706 | $37,404 | $324,110 |
| John Roy | Directo of Finance/ Treasurer | FT | $98,943 | $14,905 | $113,848 |
| Laurie J Rollins | SVP of Finance/treasurer | FT | $96,579 | $9,233 | $105,812 |
| Kimberly Seaver | VP Sales and Service | FT | $87,515 | $12,882 | $100,397 |
| Jennifer Alves Faustino | VP Corporate Administrator | FT | $86,068 | $7,847 | $93,915 |
| Ana Frasco | VP Business Development | FT | $77,437 | $566 | $78,003 |
| Name | Title |
|---|---|
| David M Hodge | Chairman |
| Marc Dugre | First Vice Chairman |
| Benjamin Sabbs | Director |
| Glenn Beauregard | Director |
| Karen Kirby | Director |
| Neal Quesnal | Director |
| Rob Desormier | Director |
| Kevin Garvin | Clerk |
| Line Item | Amount |
|---|---|
| Other Expenses | $4,901,009 |
| Salaries, Compensation, and Employee Benefits | $2,134,043 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Interest | - | - | - | $1,542,793 |
| Other Salaries and Wages | - | - | - | $968,991 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $816,086 |
| Information Technology | - | - | - | $627,102 |
| Occupancy | - | - | - | $413,864 |
| All Other Expenses | - | - | - | $389,226 |
| Depreciation Depletion | - | - | - | $265,440 |
| Payroll Taxes | - | - | - | $166,289 |
| Other Employee Benefits | - | - | - | $125,620 |
| Other Expenses | - | - | - | $117,936 |
| Insurance | - | - | - | $103,256 |
| Office Expenses | - | - | - | $90,103 |
| Fees for Services Accounting | - | - | - | $86,987 |
| Advertising | - | - | - | $83,857 |
| Fees for Services Other | - | - | - | $83,072 |
| Fees for Services Management | - | - | - | $64,024 |
| Pension Plan Contributions | - | - | - | $57,057 |
| Conferences and Meetings | - | - | - | $56,321 |
| Fees for Services Legal | - | - | - | $43,567 |
| Total Functional Expenses | $0 | $0 | $0 | $7,035,052 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Shares and Deposit Accounts | $152,466,582 |
| Other Liabilities | $268,035 |
“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.”
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 | 658245 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 1004174 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | CREDIT UNION THRIFT SERVICES |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 83857 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 389226 |
| 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 | 6526757 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 17223442 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 816086 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 56321 |
| 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 | 1254253 |
| IRS990/CYOtherExpensesAmt | 0 | 4901009 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 5979758 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 198959 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 2134043 |
| IRS990/CYTotalExpensesAmt | 0 | 7035052 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 7234011 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 265440 |
| 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, 2018 TOTALED 16,011. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 59 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 86987 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 43567 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 64024 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 83072 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40.00 |
| 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 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 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/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | 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/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 37404 |
| 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 | 14905 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 9233 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 7847 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 12882 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 566 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | ADAM CORCORAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | DAVID M HODGE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | KEVIN GARVIN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | ROB DESORMIER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | MARC DUGRE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | GLENN BEAUREGARD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | KAREN KIRBY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | BENJAMIN SABBS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | NEAL QUESNAL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | JOHN ROY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | LAURIE J ROLLINS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | JENNIFER ALVES FAUSTINO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | KIMBERLY SEAVER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | ANA FRASCO |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 286706 |
| 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 | 98943 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 96579 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 86068 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 87515 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 77437 |
| 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/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | PRESIDENT/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | CLERK |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | FIRST VICE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | DIRECTO OF FINANCE/ TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | SVP OF FINANCE/TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | VP CORPORATE ADMINISTRATOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | VP SALES AND SERVICE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | VP BUSINESS DEVELOPMENT |
| 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/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 7234011 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 8 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 627102 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 103256 |
| IRS990/InterestGrp/TotalAmt | 0 | 1542793 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 1254253 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1254253 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 789800 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 3362063 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 6838991 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 37251284 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 38037757 |
| IRS990/IRPDocumentCnt | 0 | 3603 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 3725622 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 3188463 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 3113116 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 6838738 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| 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 | 10951505 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 10523826 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -36361 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -626638 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 413864 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 90103 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 2100592 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 2037196 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 125620 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | DEBIT CARD EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 2 | POSTAGE |
| IRS990/OtherExpensesGrp/Desc | 3 | COLLECTION EXPENSE |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 520000 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 251777 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 161684 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 117936 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 139391734 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 152734617 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 968991 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 99115267 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 91173098 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 166289 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 57057 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 198513 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 178415 |
| 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 | 4348060 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 724486 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 77562 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 4348060 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 769783 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 77562 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 45297 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 1102992 |
| IRS990/PYOtherExpensesAmt | 0 | 5561687 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 6437262 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -233910 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2212477 |
| IRS990/PYTotalExpensesAmt | 0 | 7774164 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 7540254 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 198959 |
| 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 | 10951505 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 10523826 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 10830808 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 2298539 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 2286874 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1636846 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 3923720 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 370652 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 370652 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 40518 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 40518 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 455590 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 2048258 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 2503848 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 152466582 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 268035 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES AND DEPOSIT ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | OTHER LIABILITIES |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 3113116 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 152734617 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 286706 |
| 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 | 22351 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 15053 |
| 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 | 324110 |
| 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/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 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 160001484 |
| IRS990/TotalAssetsEOYAmt | 0 | 164262617 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 160001484 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 164262617 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 1 |
| IRS990/TotalEmployeeCnt | 0 | 59 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 7035052 |
| IRS990/TotalGrossUBIAmt | 0 | 45297 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 149049979 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 153738791 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 149049979 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 153738791 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 10951505 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 10523826 |
| IRS990/TotalOtherCompensationAmt | 0 | 82837 |
| IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt | 0 | 784353 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 784353 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 5979758 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 733248 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 1254253 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 5934461 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 7234011 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 45297 |
| IRS990/TotalVolunteersCnt | 0 | 8 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 160001484 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 164262617 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt | 0 | 9000000 |
| IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt | 0 | 0 |
| 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 | 8 |
| IRS990/WebsiteAddressTxt | 0 | WWW.ALDENCU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2019-02-21 02:37:17Z |
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Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.