Civic Intelligence

Athol Credit Union

990 • Fiscal year 2011 • EIN 04-1046540

Jan 01, 2011 to Dec 31, 2011 • Filed on May 09, 2012

Organization ProfileWWW.ATHOLCREDITUNION.COM

View Organization Page

513 Main Street01331
Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$80,622,194

Flat from 2011

Net Assets

Flat

$9,387,220

Flat from 2011

Liabilities

Flat

$71,234,974

Flat from 2011

Revenue And Expenses

Revenue

-

No earlier filing loaded for comparison.

Expenses

Flat

$4,157,896

Flat from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$150M$100M$50M$0Assets 2010: $79,725,885Liabilities 2010: $70,446,324Net Assets 2010: $9,279,5612010Assets 2011: $80,622,194Liabilities 2011: $71,234,974Net Assets 2011: $9,387,2202011Assets 2011: $80,622,194Liabilities 2011: $71,234,974Net Assets 2011: $9,387,2202011Assets 2012: $84,502,228Liabilities 2012: $75,314,308Net Assets 2012: $9,187,9202012Assets 2013: $90,348,194Liabilities 2013: $82,266,059Net Assets 2013: $8,082,1352013Assets 2014: $90,790,643Liabilities 2014: $82,131,265Net Assets 2014: $8,659,3782014Assets 2015: $96,839,129Liabilities 2015: $88,892,204Net Assets 2015: $7,946,9252015Assets 2016: $105,003,662Liabilities 2016: $97,661,606Net Assets 2016: $7,342,0562016Assets 2017: $104,484,619Liabilities 2017: $97,073,767Net Assets 2017: $7,410,8522017Assets 2018: $95,457,018Liabilities 2018: $88,430,121Net Assets 2018: $7,026,8972018Assets 2019: $93,689,380Liabilities 2019: $86,785,870Net Assets 2019: $6,903,5102019Assets 2020: $78,897,446Liabilities 2020: $71,733,730Net Assets 2020: $7,163,7162020Assets 2021: $79,397,354Liabilities 2021: $71,826,749Net Assets 2021: $7,570,6052021Assets 2022: $84,943,474Liabilities 2022: $76,950,431Net Assets 2022: $7,993,0432022Assets 2023: $90,278,013Liabilities 2023: $82,065,220Net Assets 2023: $8,212,7932023Assets 2024: $94,916,508Liabilities 2024: $86,727,187Net Assets 2024: $8,189,3212024

Highlighted filing

2011

Assets$80,622,194
Liabilities$71,234,974
Net Assets$9,387,220
Open 2011 Filing

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $4,273,5452010Expenses 2011: $4,157,8962011Revenue 2011: $3,849,185Expenses 2011: $4,157,896Net Income 2011: -$308,7112011Expenses 2012: $3,807,2672012Revenue 2013: $3,516,872Expenses 2013: $3,548,492Net Income 2013: -$31,6202013Revenue 2014: $3,319,028Expenses 2014: $3,448,402Net Income 2014: -$129,3742014Revenue 2015: $3,198,854Expenses 2015: $3,701,273Net Income 2015: -$502,4192015Revenue 2016: $3,648,738Expenses 2016: $3,622,088Net Income 2016: $26,6502016Revenue 2017: $3,670,023Expenses 2017: $3,838,996Net Income 2017: -$168,9732017Revenue 2018: $3,872,269Expenses 2018: $3,970,030Net Income 2018: -$97,7612018Revenue 2019: $3,728,865Expenses 2019: $4,384,402Net Income 2019: -$655,5372019Revenue 2020: $3,437,018Expenses 2020: $3,461,203Net Income 2020: -$24,1852020Revenue 2021: $3,643,738Expenses 2021: $3,225,647Net Income 2021: $418,0912021Revenue 2022: $4,194,178Expenses 2022: $3,449,455Net Income 2022: $744,7232022Revenue 2023: $4,642,872Expenses 2023: $4,399,277Net Income 2023: $243,5952023Revenue 2024: $5,335,322Expenses 2024: $5,314,812Net Income 2024: $20,5102024

Highlighted filing

2011

Revenue-
Expenses$4,157,896
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 9, 2012
Return Version
2011v1.2
Gross Receipts
$3,849,185
Mission and Program Overview

Mission

The credit union accept deposits and grant loans to its members. Benefits paid are dividends on deposit accounts and granting accessible credit to its members.

Major Activities

Activity 2
Employees salaries and benefits (excluding officers)
Filing and Contact Details

Filer

EIN
04-1046540
Raw XML AppendixShowing 400 of 469 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
IRS990/AccountantCompileOrReview00
IRS990/ActivitiesConductedPartnership00
IRS990/Activity2/Description0EMPLOYEES SALARIES AND BENEFITS (EXCLUDING OFFICERS)
IRS990/Activity2/Expense0613967
IRS990/ActivityOrMissionDescription0THE CREDIT UNION ACCEPTS DEPOSITS AND GRANTS LOANS TO ITS MEMBERS. BENEFITS PAID ARE DIVIDENDS ON DEPOSIT ACCOUNTS AND GRANTING ACCESSIBLE CREDIT TO ITS MEMBERS.
IRS990/AddressPrincipalOfficerUS/AddressLine10513 MAIN STREET
IRS990/AddressPrincipalOfficerUS/City0ATHOL
IRS990/AddressPrincipalOfficerUS/State0MA
IRS990/AddressPrincipalOfficerUS/ZIPCode001331
IRS990/Advertising/ManagementAndGeneral089145
IRS990/Advertising/Total089145
IRS990/AllOtherExpenses/ManagementAndGeneral0318806
IRS990/AllOtherExpenses/Total0318806
IRS990/AuditCommittee01
IRS990/BenefitsPaidToMembersCY0528360
IRS990/BenefitsPaidToMembersPriorYear0629613
IRS990/BenefitsToMembers/ProgramServices0528360
IRS990/BenefitsToMembers/Total0528360
IRS990/BsnssRltnshpThruFamilyMember00
IRS990/BsnssRltnshpWithOrganization00
IRS990/CapStckTrstPrinCurrentFunds/BOY00
IRS990/CapStckTrstPrinCurrentFunds/EOY00
IRS990/CashNonInterestBearing/BOY0473450
IRS990/CashNonInterestBearing/EOY0577590
IRS990/ChangesToOrganizingDocs00
IRS990/CollectionsOfArt00
IRS990/CompCurrentOfficersDirectors/ManagementAndGeneral0289816
IRS990/CompCurrentOfficersDirectors/Total0289816
IRS990/CompensationFromOtherSources00
IRS990/CompensationProcessCEO01
IRS990/CompensationProcessOther01
IRS990/ConferencesMeetings/ManagementAndGeneral026318
IRS990/ConferencesMeetings/Total026318
IRS990/ConflictOfInterestPolicy00
IRS990/ConservationEasements00
IRS990/ConsolidatedAuditFinancialStmt00
IRS990/ContributionsGrantsCurrentYear00
IRS990/ContributionsGrantsPriorYear00
IRS990/CreditCounseling00
IRS990/DecisionsSubjectToApproval01
IRS990/DeductibleContributionsOfArt00
IRS990/DeductibleNonCashContributions00
IRS990/DelegationOfManagementDuties00
IRS990/DepreciationDepletion/Total0283388
IRS990/DescribedIn501C300
IRS990/Description0DIVIDENDS AND INTEREST PAID ON MEMBERS' DEPOSITS
IRS990/DisregardedEntity00
IRS990/DocumentRetentionPolicy00
IRS990/DonorAdvisedFunds00
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers01
IRS990/EmploymentTaxReturnsFiled00
IRS990/Expense0528360
IRS990/FamilyOrBusinessRelationship00
IRS990/FederalGrantAuditRequired00
IRS990/FeesForServicesAccounting/ManagementAndGeneral057549
IRS990/FeesForServicesAccounting/Total057549
IRS990/FeesForServicesLegal/ManagementAndGeneral01755
IRS990/FeesForServicesLegal/Total01755
IRS990/FinancialStatementSeparate0X
IRS990/ForeignActivities00
IRS990/ForeignFinancialAccount00
IRS990/ForeignOffice00
IRS990/Form8282PropertyDisposedOf00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek040.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek140.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector6X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector7X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector8X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector9X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector10X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector11X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector12X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector13X
IRS990/Form990PartVIISectionA/NamePerson0THOMAS R O'CONNOR
IRS990/Form990PartVIISectionA/NamePerson1ROGER E MYERS
IRS990/Form990PartVIISectionA/NamePerson2FRANCIS W FOSTER
IRS990/Form990PartVIISectionA/NamePerson3CYNTHIA M HARRIS
IRS990/Form990PartVIISectionA/NamePerson4JAMES E HERBERT
IRS990/Form990PartVIISectionA/NamePerson5JANIS MONTALBANO
IRS990/Form990PartVIISectionA/NamePerson6MARTIN S ANDERHOLM
IRS990/Form990PartVIISectionA/NamePerson7STEPHEN A RABIDEAU SR
IRS990/Form990PartVIISectionA/NamePerson8CHARLES A SHATOS
IRS990/Form990PartVIISectionA/NamePerson9CRAIG S TWOHEY
IRS990/Form990PartVIISectionA/NamePerson10RICHARD D VEROCK
IRS990/Form990PartVIISectionA/NamePerson11HERBERT H WHEELER
IRS990/Form990PartVIISectionA/NamePerson12WILLIAM CHIASSON
IRS990/Form990PartVIISectionA/NamePerson13KEVIN J MILLER
IRS990/Form990PartVIISectionA/NamePerson14GINA M ORO
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/Officer1X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation70
IRS990/Form990PartVIISectionA/OtherCompensation80
IRS990/Form990PartVIISectionA/OtherCompensation90
IRS990/Form990PartVIISectionA/OtherCompensation100
IRS990/Form990PartVIISectionA/OtherCompensation110
IRS990/Form990PartVIISectionA/OtherCompensation120
IRS990/Form990PartVIISectionA/OtherCompensation13895
IRS990/Form990PartVIISectionA/OtherCompensation14616
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization70
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization80
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization90
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization100
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization110
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization120
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization13190039
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization1498266
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs70
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs80
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs90
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs100
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs110
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs120
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs130
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs140
IRS990/Form990PartVIISectionA/Title0DIRECTOR
IRS990/Form990PartVIISectionA/Title1CHAIRPERSON
IRS990/Form990PartVIISectionA/Title2DIRECTOR-CLERK
IRS990/Form990PartVIISectionA/Title3DIRECTOR
IRS990/Form990PartVIISectionA/Title4DIRECTOR
IRS990/Form990PartVIISectionA/Title5DIRECTOR
IRS990/Form990PartVIISectionA/Title6VICE-CHAIRPERSON
IRS990/Form990PartVIISectionA/Title7DIRECTOR
IRS990/Form990PartVIISectionA/Title8DIRECTOR
IRS990/Form990PartVIISectionA/Title9DIRECTOR
IRS990/Form990PartVIISectionA/Title10DIRECTOR
IRS990/Form990PartVIISectionA/Title11DIRECTOR
IRS990/Form990PartVIISectionA/Title12DIRECTOR
IRS990/Form990PartVIISectionA/Title13PRESIDENT/CEO
IRS990/Form990PartVIISectionA/Title14TREASURER
IRS990/Form990ProvidedToGoverningBody00
IRS990/Form990-TFiled01
IRS990/FormersListed01
IRS990/FSAudited01
IRS990/FundraisingActivities00
IRS990/GainOrLoss/Securities031250
IRS990/Gaming00
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsAndSimilarAmntsPriorYear00
IRS990/GrantsToIndividuals00
IRS990/GrantsToOrganizations00
IRS990/GrantToRelatedPerson00
IRS990/GrossAmountSalesAssets/Securities031250
IRS990/GrossReceipts03849185
IRS990/GroupReturnForAffiliates00
IRS990/Hospital00
IRS990/IndependentAuditFinancialStmt00
IRS990/IndoorTanningServices00
IRS990/InfoInScheduleOPartVI0X
IRS990/InfoInScheduleOPartXI0X
IRS990/InfoInScheduleOPartXII0X
IRS990/Insurance/ManagementAndGeneral0144568
IRS990/Insurance/Total0144568
IRS990/Interest/ManagementAndGeneral0244931
IRS990/Interest/Total0244931
IRS990/InvestmentIncomeCurrentYear0539660
IRS990/InvestmentIncomePriorYear0522253
IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome0508410
IRS990/InvestmentIncome/TotalRevenueColumn0508410
IRS990/InvestmentInJointVenture00
IRS990/InvestmentsOtherSecurities/BOY01177100
IRS990/InvestmentsOtherSecurities/EOY01177100
IRS990/InvestmentsPubTradedSecurities/BOY012732615
IRS990/InvestmentsPubTradedSecurities/EOY014124861
IRS990/LandBldgEquipmentAccumDeprec02725682
IRS990/LandBuildingsEquipmentBasis04240558
IRS990/LandBuildingsEquipmentBasisNet/BOY01745481
IRS990/LandBuildingsEquipmentBasisNet/EOY01514876
IRS990/LoanToOfficerOrDQP00
IRS990/LocalChapters00
IRS990/MaterialDiversionOrMisuse00
IRS990/MembersOrStockholders01
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees01
IRS990/MinutesOfGoverningBody01
IRS990/MiscellaneousRevenue/TotalRevenueColumn02638
IRS990/MiscellaneousRevenue/UnrelatedBusinessRevenue02638
IRS990/MissionDescription0THE CREDIT UNION ACCEPTS DEPOSITS AND GRANTS LOANS TO ITS MEMBERS. PROGRAM SERVICE EXPENSES ARE PRIMARILY DIVIDENDS PAID TO ITS MEMBERS.
IRS990/MoreThan5000KToIndividuals00
IRS990/MoreThan5000KToOrganizations00
IRS990/MortNotesPyblSecuredInvestProp/BOY015000000
IRS990/MortNotesPyblSecuredInvestProp/EOY014000000
IRS990/NameOfPrincipalOfficerPerson0KEVIN MILLER
IRS990/NbrIndependentVotingMembers013
IRS990/NbrVotingGoverningBodyMembers014
IRS990/NbrVotingMembersGoverningBody014
IRS990/NetAssetsOrFundBalancesBOY09279561
IRS990/NetAssetsOrFundBalancesEOY09387220
IRS990/NetGainOrLossInvestments/RelatedOrExemptFunctionIncome031250
IRS990/NetGainOrLossInvestments/TotalRevenueColumn031250
IRS990/NetUnrelatedBusinessTxblIncome0-3487
IRS990/NonDeductibleContributions00
IRS990/NumberFormsTransmittedWith109609366
IRS990/NumberIndependentVotingMembers013
IRS990/NumberIndividualsGT100K01
IRS990/NumberOfContractorsGT100K00
IRS990/NumberOfEmployees035
IRS990/NumberW2GIncluded00
IRS990/Occupancy/ManagementAndGeneral0132323
IRS990/Occupancy/Total0132323
IRS990/OfficeExpenses/ManagementAndGeneral0323969
IRS990/OfficeExpenses/Total0323969
IRS990/OfficerEntityWithBsnssRltnshp00
IRS990/OfficerMailingAddress00
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY01226275
IRS990/OtherAssetsTotal/EOY01382700
IRS990/OtherEmployeeBenefits/ManagementAndGeneral0133168
IRS990/OtherEmployeeBenefits/Total0133168
IRS990/OtherExpensePriorYear02181939
IRS990/OtherExpensesCurrentYear02261841
IRS990/OtherExpenses/Description0DATA PROCESSING & INTER
IRS990/OtherExpenses/Description1CONTINGENCY LOSS
IRS990/OtherExpenses/Description2SERVICE CHARGES
IRS990/OtherExpenses/Description3ONLINE BANKING
IRS990/OtherExpenses/ManagementAndGeneral0184365
IRS990/OtherExpenses/ManagementAndGeneral1183500
IRS990/OtherExpenses/ManagementAndGeneral2138526
IRS990/OtherExpenses/ManagementAndGeneral3129719
IRS990/OtherExpenses/Total0184365
IRS990/OtherExpenses/Total1183500
IRS990/OtherExpenses/Total2138526
IRS990/OtherExpenses/Total3129719
IRS990/OtherLiabilities/BOY055446324
IRS990/OtherLiabilities/EOY057234974
IRS990/OtherNotesLoansReceivableNet/BOY061630372
IRS990/OtherNotesLoansReceivableNet/EOY058430501
IRS990/OtherRevenueCurrentYear0333374
IRS990/OtherRevenueMisc/BusinessCode0522100
IRS990/OtherRevenueMisc/BusinessCode1522100
IRS990/OtherRevenueMisc/BusinessCode2522100
IRS990/OtherRevenueMisc/Description0FEES & SERVICE CHARGES
IRS990/OtherRevenueMisc/Description1OTHER INCOME
IRS990/OtherRevenueMisc/Description2INTERCHANGE INCOME
IRS990/OtherRevenueMisc/RelatedOrExemptFunctionIncome0200220
IRS990/OtherRevenueMisc/RelatedOrExemptFunctionIncome188258
IRS990/OtherRevenueMisc/RelatedOrExemptFunctionIncome242258
IRS990/OtherRevenueMisc/TotalRevenueColumn0200220
IRS990/OtherRevenueMisc/TotalRevenueColumn188258
IRS990/OtherRevenueMisc/TotalRevenueColumn242258
IRS990/OtherRevenuePriorYear0331579
IRS990/OtherSalariesAndWages/ManagementAndGeneral0281253
IRS990/OtherSalariesAndWages/ProgramServices0562507
IRS990/OtherSalariesAndWages/Total0843760
IRS990/PaidInCapSrplsLandBldgEqpFund/BOY00
IRS990/PaidInCapSrplsLandBldgEqpFund/EOY00
IRS990/PartialLiquidation00
IRS990/PayrollTaxes/ManagementAndGeneral046942
IRS990/PayrollTaxes/ProgramServices046361
IRS990/PayrollTaxes/Total093303
IRS990/PensionPlanContributions/ManagementAndGeneral02549
IRS990/PensionPlanContributions/ProgramServices05099
IRS990/PensionPlanContributions/Total07648
IRS990/PoliticalActivities00
IRS990/ProfessionalFundraising00
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenue/BusinessCode1522100
IRS990/ProgramServiceRevenueCY02976151
IRS990/ProgramServiceRevenue/Description0INTEREST INCOME ON LOA
IRS990/ProgramServiceRevenue/Description1BUILDING-RENTAL INCOME
IRS990/ProgramServiceRevenuePriorYear03309837
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome02941647
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome134504
IRS990/ProgramServiceRevenue/TotalRevenueColumn02941647
IRS990/ProgramServiceRevenue/TotalRevenueColumn134504
IRS990/ProhibitedTaxShelterTrans00
IRS990/QuidProQuoContributions00
IRS990/ReconcilationOtherChanges0416370
IRS990/ReconcilationRevenueExpenses0-308711
IRS990/RelatedEntity00
IRS990/RelatedOrgControlledEntity00
IRS990/ReportFin48Footnote00
IRS990/ReportInvestOthSecurities00
IRS990/ReportLandBldgEquip01
IRS990/ReportOtherAssets00
IRS990/ReportOtherLiabilities01
IRS990/ReportProgRelInvest00
IRS990/RetainedEarningsEndowmentEtc/BOY09279561
IRS990/RetainedEarningsEndowmentEtc/EOY09387220
IRS990/RevenuesLessExpensesCY0-308711
IRS990/RevenuesLessExpensesPriorYear0-109876
IRS990/SalariesEtcCurrentYear01367695
IRS990/SalariesEtcPriorYear01461993
IRS990/SavingsAndTempCashInvestments/BOY0740592
IRS990/SavingsAndTempCashInvestments/EOY03414566
IRS990/ScheduleBRequired00
IRS990ScheduleD/Buildings/BookValue01284179
IRS990ScheduleD/Buildings/Depreciation01367552
IRS990ScheduleD/Buildings/InvestmentCostOrOtherBasis02651731
IRS990ScheduleD/Equipment/BookValue0170549
IRS990ScheduleD/Equipment/Depreciation01348299
IRS990ScheduleD/Equipment/InvestmentCostOrOtherBasis01518848
IRS990ScheduleD/ExcessOrDeficitForYear0-308711
IRS990ScheduleD/ExcessOrDeficitPerFS0107659
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0DECREASE IN FAIR VALUE OF INVESTMENTS A-F-S 416,370.
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier0PART XI, LINE 8 - OTHER ADJUSTMENTS:
IRS990ScheduleD/Land/BookValue020825
IRS990ScheduleD/Land/InvestmentCostOrOtherBasis020825
IRS990ScheduleD/LeaseholdImprovements/BookValue039323
IRS990ScheduleD/LeaseholdImprovements/Depreciation09831
IRS990ScheduleD/LeaseholdImprovements/InvestmentCostOrOtherBasis049154
IRS990ScheduleD/OtherAmount0416370
IRS990ScheduleD/OtherLiabilities/Amount056937079
IRS990ScheduleD/OtherLiabilities/Amount1297895
IRS990ScheduleD/OtherLiabilities/Description0MEMBERS' SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilities/Description1OTHER LIABILITIES AND ESCROW ACCOUNTS
IRS990ScheduleD/TotalAdjustments0416370
IRS990ScheduleD/TotalExpenses04157896
IRS990ScheduleD/TotalOfAmounts057234974
IRS990ScheduleD/TotalOfBookValueLandBuildings01514876
IRS990ScheduleD/TotalRevenue03849185
IRS990ScheduleJ/BoardOrCommitteeApproval0X
IRS990ScheduleJ/CompensationSurvey0X
IRS990ScheduleJ/EquityBasedCompArrangement00
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg0190039
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990FilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990RelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg0895
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson0KEVIN J MILLER
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0190934
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs00
IRS990/ScheduleJRequired01
IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SupplementalNonqualRetirePlan00
IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION HAS MEMBERS
IRS990ScheduleO/GeneralExplanation/Explanation1THE CREDIT UNION HOLDS AN ANNUAL MEETING ACCORDING TO ITS BYLAWS WHERE ALL MEMBERS ARE GIVEN PROPER NOTIFICATION. THE BYLAWS CALL FOR THE ELECTION OF DIRECTORS WHOSE TERMS HAVE EXPIRED.
IRS990ScheduleO/GeneralExplanation/Explanation2THE CREDIT UNION MEMBERS RATIFY DECISIONS OF THE GOVERNING BODY AT THEIR ANNUAL MEETING AND ELECT DIRECTORS AT THAT TIME.
IRS990ScheduleO/GeneralExplanation/Explanation3THE ORGANIZATION CONTRACTS WITH THE CPA FIRM TO PREPARE FORM 990. AFTER PREPARATION, A DRAFT COPY IS SENT TO THE PRESIDENT AND CEO AND THE CHIEF FINANCIAL OFFICER FOR REVIEW. ONCE APPROVED THE 990 IS FILED. A COPY OF THE 990 IS PROVIDED TO THE AUDIT COMMITTEE AND THE FULL BOARD FOR THEIR REVIEW AND RATIFICATION AT THE MEETING FOLLOWING THE FILLING OF THE FORM 990.
IRS990ScheduleO/GeneralExplanation/Explanation4IF DIRECTORS ARE CONSIDERED INDEPENDENT THIRD PARTIES, CREDIT UNION USE COMPARATIVE INDUSTRY DATA, AND ALSO HAVE A CONTEMPORANEOUS DELIBERATION BY THE MANAGEMENT COMMITTEE OF THE BOARD.
IRS990ScheduleO/GeneralExplanation/Explanation5UPON REQUEST
IRS990ScheduleO/GeneralExplanation/Explanation6THE CREDIT UNION POSTS UNAUDITED FINANCIAL STATEMENTS IN THE LOBBY OF THE CREDIT UNION.
IRS990ScheduleO/GeneralExplanation/Explanation7DECREASE IN FAIR VALUE OF INVESTMENTS A-F-S 416,370. TOTAL TO FORM 990, PART XI, LINE 5: 416,370.
IRS990ScheduleO/GeneralExplanation/Explanation8THE AUDIT COMMITEE ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT AUDITOR.
IRS990ScheduleO/GeneralExplanation/Identifier0CHANGES IN NET ASSETS OR FUND BALANCES:
IRS990ScheduleO/GeneralExplanation/Identifier1RESPONSIBILITY FOR ANNUAL INDEPENDENT AUDIT
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION C, LINE 18
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART XI, LINE 5:
IRS990ScheduleO/GeneralExplanation/ReturnReference8FORM 990, PAGE 12 PART XII, LINE 2C
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0MA
IRS990/StatesWhereCopyOfReturnIsFiled0MA
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10513 MAIN STREET
IRS990/TheBooksAreInCareOf/AddressUS/City0ATHOL
IRS990/TheBooksAreInCareOf/AddressUS/State0MA
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode001331
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10KEVIN J MILLER
IRS990/TheBooksAreInCareOf/TelephoneNumber09782493527
IRS990/TotalAssets/BOY079725885
IRS990/TotalAssetsBOY079725885
IRS990/TotalAssets/EOY080622194
IRS990/TotalAssetsEOY080622194
IRS990/TotalCompGT150K01

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$80,622,194
Liabilities
$71,234,974
Net assets
$9,387,220
Revenue
-
Expenses
$4,157,896
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$94.9$86.7$8.19$5.34$5.31$0.02
2023Detailed filing. Detailed filing data is available for this year.$90.3$82.1$8.21$4.64$4.40$0.24
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$84.9$77.0$7.99$4.19$3.45$0.74
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$79.4$71.8$7.57$3.64$3.23$0.42
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$78.9$71.7$7.16$3.44$3.46$0.02
2019Detailed filing. Detailed filing data is available for this year.$93.7$86.8$6.90$3.73$4.38$0.66
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$95.5$88.4$7.03$3.87$3.97$0.10
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$104$97.1$7.41$3.67$3.84$0.17
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$105$97.7$7.34$3.65$3.62$0.03
2015Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$96.8$88.9$7.95$3.20$3.70$0.50
2014Detailed filing. Detailed filing data is available for this year.$90.8$82.1$8.66$3.32$3.45$0.13
2013Detailed filing. Detailed filing data is available for this year.$90.3$82.3$8.08$3.52$3.55$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$84.5$75.3$9.19$3.81
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$80.6$71.2$9.39$4.16
2011Summary only. Only limited summary data is available for this year.$80.6$71.2$9.39$3.85$4.16$0.31
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$79.7$70.4$9.28$4.27