Civic Intelligence

Athol Credit Union

990 • Fiscal year 2014 • EIN 04-1046540

Jan 01, 2014 to Dec 31, 2014 • Filed on May 10, 2015

Organization ProfileWWW.ATHOLCREDITUNION.COM

View Organization Page

513 Main StreetAthol, MA 01331

(978) 824-9352

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

72nd percentile

0.90x

Higher debt load relative to assets than 72% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Liabilities / Revenue

85th percentile

24.75x

Higher debt load relative to revenue than 85% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Net Margin

9th percentile

-3.9%

Higher net margin than 9% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Top Officer Pay

88th percentile

$194,293

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 5.9% of source-year revenue.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Asset Growth

27th percentile

0.5%

Faster asset growth than 27% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Revenue Growth

16th percentile

-5.6%

Faster revenue growth than 16% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$90,790,643

Up $442,449 (+0.5%) from 2013

Net Assets

Up

$8,659,378

Up $577,243 (+7.1%) from 2013

Liabilities

Down

$82,131,265

Down $134,794 (-0.2%) from 2013

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin9th percentile

Revenue

Down

$3,319,028

Down $197,844 (-5.6%) from 2013

Expenses

Down

$3,448,402

Down $100,090 (-2.8%) from 2013

Net Income

Down

-$129,374

Down $97,754 (-309%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth27th percentile

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 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

2014

Assets$90,790,643
Liabilities$82,131,265
Net Assets$8,659,378
Open 2014 Filing

Operations Trend

Revenue Growth16th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $4,273,5452010Revenue 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

2014

Revenue$3,319,028
Expenses$3,448,402
Net Income-$129,374
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 10, 2015
Return Version
2014v5.0
Gross Receipts
$3,319,028
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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$62,480,050$61,329,204▼ $1,150,846
Investments in Publicly Traded Securities$20,879,814$23,593,463▲ $2,713,649
Rtn Earn Endowment Incm Other Fnds$8,082,135$8,659,378▲ $577,243
Land, Buildings, and Equipment, Net$1,185,529$1,138,624▼ $46,905
Investments Other Securities$993,500$1,062,700▲ $69,200
Savings and Temporary Cash Investments$2,216,482$967,026▼ $1,249,456
Cash and Non-Interest-Bearing Accounts$625,710$551,044▼ $74,666
Total Assets$90,348,194$90,790,643▲ $442,449
Other Assets Total$1,967,109$2,148,582▲ $181,473
Liabilities
Other Liabilities$82,266,059$82,131,265▼ $134,794
Total Liabilities$82,266,059$82,131,265▼ $134,794
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,082,135$8,659,378▲ $577,243
Total Liabilities and Net Assets / Fund Balance$90,348,194$90,790,643▲ $442,449

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$912,423$1,797,953$2,710,376
Equipment$141,044$1,590,594$1,731,638
Leasehold Improvements$29,492$19,662$49,154
Other Land Buildings$34,840$11,984$46,824
Land$20,825-$20,825
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kevin J MillerPresident/ceFT$193,673$620$194,293
Kevin J MillerPresident/CEO-$193,673$620$194,293
Gina M OroTreasurer-$96,493$617$97,110

Board Members and Trustees

NameTitle
James E HerbertChairperson
Stephen a Rabideau SrChairperson
Richard D VerockVice-chairpe
Charles a ShatosDirector
Craig S TwoheyDirector
Herbert H WheelerDirector
Janis MontalbanoDirector
Martin S AnderholmDirector
Roger E MyersDirector
THOMAS R O'CONNORDirector
William ChiassonDirector
Francis W FosterDirector-CLE
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,523,804
Investment Income
$466,544
Other Revenue
$328,680
Change in Net Assets
$-129,374
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,804,704
Salaries, Compensation, and Employee Benefits$1,289,268
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$520,217$260,108-$780,325
Benefits to Members$354,430--$354,430
Current Officers, Directors, Trustees, and Key Employees-$291,403-$291,403
Office Expenses-$250,567-$250,567
Interest-$248,689-$248,689
Depreciation Depletion-$245,389-$245,389
All Other Expenses-$206,252-$206,252
Occupancy-$161,942-$161,942
Other Employee Benefits-$112,241-$112,241
Payroll Taxes$60,165$30,083-$90,248
Other Expenses-$72,795-$72,795
Advertising-$66,792-$66,792
Insurance-$63,853-$63,853
Fees for Services Accounting-$36,096-$36,096
Conferences and Meetings-$17,061-$17,061
Pension Plan Contributions$10,034$5,017-$15,051
Fees for Services Legal-$2,084-$2,084
Travel-$1,247-$1,247
Total Functional Expenses$944,846$2,503,556$0$3,448,402
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARE AND DEPOSIT ACCOUNTS$62,314,303
Borrowings$19,500,000
Other Liabilities$316,962
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
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
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union has members”

Form 990, Page 6, Part VI, Line 7A

“The 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.”

Form 990, Page 6, Part VI, Line 7B

“The credit union members ratify decisions of the governing body at their annual meeting and elect directors at that time.”

Form 990, Page 6, Part VI, Line 11B

“The organization contracts with the cpa firm to prepare form 990. After preparaton, 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 filing of the form 990.”

Form 990, Page 6, Part VI, Line 15A

“If directors are considered independent third parties, credit union use comparative industry data, and also have a contempraneous deliberation by the management committee of the board.”

Form 990, Page 6, Part VI, Line 15B

“If directors are considered independent third parties, credit union use comparative industry data, and also have a contempraneous deliberation by the management committee of the board.”

Form 990, Page 6, Part VI, Line 19

“The credit union posts unaudited financial statements in the lobby of the credit union.”

Form 990, Page 7, Part VII

“Parent organization has filed a separate return”

Filing and Contact Details

Filer

Filer Name
Athol Credit Union
EIN
04-1046540
Phone
9788249352
Address
513 MAIN STREET, ATHOL, MA 01331

Signing Officer

Name
Kevin Miller
Title
President/CEO
Phone
9788249352
Signed
2015-05-10

Organization Details

Principal Officer
Kevin Miller
Formed
1930
Legal Domicile
Ma
Voting Board Members
12
Independent Board Members
11
Employees
29

Preparer

Firm
MERCADANTE & MERCADANTE PC CPA'S
Address
PO BOX 2125, FITCHBURG, MA 01420
Preparer
Anthony J Mercadante
Phone
9783420647
Supplemental Narrative

Additional Explanations

Form 990, Page 12, Part XII, Line 2C

“The audit committee assumes responsibility for the oversight of the audit of its financial statements and the selection of independent auditor.”

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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/NetUnrlzdGainsLossesInvstAmt0706617
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IRS990/OccupancyGrp/ManagementAndGeneralAmt0161942
IRS990/OccupancyGrp/TotalAmt0161942
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0250567
IRS990/OfficeExpensesGrp/TotalAmt0250567
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01967109
IRS990/OtherAssetsTotalGrp/EOYAmt02148582
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0112241
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0112241
IRS990/OtherExpensesGrp/Desc0DATA PROCESSING & INTERNE
IRS990/OtherExpensesGrp/Desc1OTHER OPERATIONAL EXPENSE
IRS990/OtherExpensesGrp/Desc2ONLINE BANKING
IRS990/OtherExpensesGrp/Desc3SERVICE CHARGES
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0216185
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1112270
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2103482
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt372795
IRS990/OtherExpensesGrp/TotalAmt0216185
IRS990/OtherExpensesGrp/TotalAmt1112270
IRS990/OtherExpensesGrp/TotalAmt2103482
IRS990/OtherExpensesGrp/TotalAmt372795
IRS990/OtherLiabilitiesGrp/BOYAmt082266059
IRS990/OtherLiabilitiesGrp/EOYAmt082131265
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0FEES & SERVICE CHARGES
IRS990/OtherRevenueMiscGrp/Desc1OTHER INCOME
IRS990/OtherRevenueMiscGrp/Desc2NON MEMBER ATM FEES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0250747
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt172787
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0250747
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt172787
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt25146
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt05146
IRS990/OtherRevenueTotalAmt0328680
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0260108
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0520217
IRS990/OtherSalariesAndWagesGrp/TotalAmt0780325
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt062480050
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt061329204
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt030083
IRS990/PayrollTaxesGrp/ProgramServicesAmt060165
IRS990/PayrollTaxesGrp/TotalAmt090248
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt05017
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt010034
IRS990/PensionPlanContributionsGrp/TotalAmt015051
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0KEVIN MILLER
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1BUILDING-RENTAL INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02479318
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt144486
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02479318
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt144486
IRS990/ProgSrvcAccomActy2Grp/Desc0EMPLOYEE SALARIES AND BENEFITS (EXCLUDING OFFICERS)
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0590416
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0371936
IRS990/PYInvestmentIncomeAmt0493285
IRS990/PYOtherExpensesAmt01776469
IRS990/PYOtherRevenueAmt0330092
IRS990/PYProgramServiceRevenueAmt02693495
IRS990/PYRevenuesLessExpensesAmt0-31620
IRS990/PYSalariesCompEmpBnftPaidAmt01400087
IRS990/PYTotalExpensesAmt03548492
IRS990/PYTotalRevenueAmt03516872
IRS990/ReconcilationRevenueExpnssAmt0-129374
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08082135
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08659378
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02216482
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0967026
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0912423
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01797953
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02710376
IRS990ScheduleD/EquipmentGrp/BookValueAmt0141044
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01590594
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01731638
IRS990ScheduleD/LandGrp/BookValueAmt020825
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt020825
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt029492
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt019662
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt049154
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt034840
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt011984
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt046824
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt062314303
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt119500000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2316962
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARE AND DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1BORROWINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2OTHER LIABILITIES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01138624
IRS990ScheduleD/TotalLiabilityAmt082131265
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0193673
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt0620
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KEVIN J MILLER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0194293
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE 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/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION MEMBERS RATIFY DECISIONS OF THE GOVERNING BODY AT THEIR ANNUAL MEETING AND ELECT DIRECTORS AT THAT TIME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION CONTRACTS WITH THE CPA FIRM TO PREPARE FORM 990. AFTER PREPARATON, 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 FILING OF THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4IF DIRECTORS ARE CONSIDERED INDEPENDENT THIRD PARTIES, CREDIT UNION USE COMPARATIVE INDUSTRY DATA, AND ALSO HAVE A CONTEMPRANEOUS DELIBERATION BY THE MANAGEMENT COMMITTEE OF THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5IF DIRECTORS ARE CONSIDERED INDEPENDENT THIRD PARTIES, CREDIT UNION USE COMPARATIVE INDUSTRY DATA, AND ALSO HAVE A CONTEMPRANEOUS DELIBERATION BY THE MANAGEMENT COMMITTEE OF THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION POSTS UNAUDITED FINANCIAL STATEMENTS IN THE LOBBY OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7PARENT ORGANIZATION HAS FILED A SEPARATE RETURN
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE AUDIT COMMITTEE ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND THE SELECTION OF INDEPENDENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 7, PART VII
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 12, PART XII, LINE 2C
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
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IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt090348194
IRS990/TotalAssetsEOYAmt090790643
IRS990/TotalAssetsGrp/BOYAmt090348194
IRS990/TotalAssetsGrp/EOYAmt090790643
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt029
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt02503556
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0944846
IRS990/TotalFunctionalExpensesGrp/TotalAmt03448402
IRS990/TotalGrossUBIAmt05146
IRS990/TotalLiabilitiesBOYAmt082266059
IRS990/TotalLiabilitiesEOYAmt082131265
IRS990/TotalLiabilitiesGrp/BOYAmt082266059
IRS990/TotalLiabilitiesGrp/EOYAmt082131265
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt08082135
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt08659378
IRS990/TotalOtherCompensationAmt01237
IRS990/TotalProgramServiceExpensesAmt0944846
IRS990/TotalProgramServiceRevenueAmt02523804
IRS990/TotalReportableCompFromOrgAmt0290166
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03313882
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03319028
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt05146
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt090348194
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt090790643
IRS990/TravelGrp/ManagementAndGeneralAmt01247
IRS990/TravelGrp/TotalAmt01247
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0513 MAIN STREET
IRS990/USAddress/CityNm0ATHOL
IRS990/USAddress/StateAbbreviationCd0MA
IRS990/USAddress/ZIPCd001331
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt011

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$90,790,643
Liabilities
$82,131,265
Net assets
$8,659,378
Revenue
$3,319,028
Expenses
$3,448,402
Net income
-$129,374
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
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
Peer Organizations

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