Civic Intelligence

Athol Credit Union

990 • Fiscal year 2019 • EIN 04-1046540

Jan 01, 2019 to Dec 31, 2019 • Filed on May 20, 2020

Organization ProfileWWW.ATHOLCREDITUNION.COM

View Organization Page

513 Main StreetAthol, MA 01331

(978) 249-3527

Siviq Scores

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

Liabilities / Assets

98th percentile

0.93x

Higher debt load relative to assets than 98% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Liabilities / Revenue

91st percentile

23.27x

Higher debt load relative to revenue than 91% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Net Margin

1st percentile

-18%

Higher net margin than 1% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Top Officer Pay

97th percentile

$326,434

Higher top officer pay than 97% of similar nonprofits.

Top officer pay equals 8.8% of source-year revenue.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Asset Growth

12th percentile

-1.9%

Faster asset growth than 12% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2018 to 2019

Revenue Growth

6th percentile

-3.7%

Faster revenue growth than 6% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets98th percentile

Assets

Down

$93,689,380

Down $1,767,638 (-1.9%) from 2018

Net Assets

Down

$6,903,510

Down $123,387 (-1.8%) from 2018

Liabilities

Down

$86,785,870

Down $1,644,251 (-1.9%) from 2018

Revenue And Expenses
Liabilities / Revenue91st percentileNet Margin1st percentile

Revenue

Down

$3,728,865

Down $143,404 (-3.7%) from 2018

Expenses

Up

$4,384,402

Up $414,372 (+10%) from 2018

Net Income

Down

-$655,537

Down $557,776 (-571%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth12th 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

2019

Assets$93,689,380
Liabilities$86,785,870
Net Assets$6,903,510
Open 2019 Filing

Operations Trend

Revenue Growth6th 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

2019

Revenue$3,728,865
Expenses$4,384,402
Net Income-$655,537
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
May 20, 2020
Return Version
2019v5.1
Gross Receipts
$3,878,367
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.

The credit union accepts deposits and grants 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$66,621,411$67,454,556▲ $833,145
Investments in Publicly Traded Securities$21,383,290$17,754,171▼ $3,629,119
Rtn Earn Endowment Incm Other Fnds$7,026,897$6,903,510▼ $123,387
Savings and Temporary Cash Investments$1,407,188$2,845,495▲ $1,438,307
Prepaid Expenses and Deferred Charges$1,741,540$1,851,073▲ $109,533
Investments Other Securities$1,384,900$1,136,700▼ $248,200
Cash and Non-Interest-Bearing Accounts$896,849$830,113▼ $66,736
Land, Buildings, and Equipment, Net$589,472$452,598▼ $136,874
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$95,457,018$93,689,380▼ $1,767,638
Other Assets Total$1,432,368$1,364,674▼ $67,694
Liabilities
Other Liabilities$64,110,756$61,653,996▼ $2,456,760
Mortgage Notes Payable Secured by Investment Property$24,167,269$25,001,714▲ $834,445
Accounts Payable and Accrued Expenses$152,096$130,160▼ $21,936
Total Liabilities$88,430,121$86,785,870▼ $1,644,251
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,026,897$6,903,510▼ $123,387
Total Liabilities and Net Assets / Fund Balance$95,457,018$93,689,380▼ $1,767,638

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$367,274$2,227,226$2,594,500
Equipment$64,499$2,002,452$2,066,951
Leasehold Improvements$0$49,154$49,154
Land$20,825-$20,825
Compensation and Service Providers
Top Officer Pay97th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kevin MillerFormer CEOFT$311,685$14,749$326,434
Courtney FifieldPresident and CEOFT$107,471$13,561$121,032

Board Members and Trustees

NameTitle
Herbert H WheelerChairperson
Martin S AnderholmVice Chairperson
Brianna DrohenDirector
Charles a ShatosDirector
Christopher CasellaDirector
Glenn EatonDirector
Janis MontalbanoDirector
Len CrossmanDirector
Lisa CareyDirector
Stephen a Rabideau SrDirector
William ChiassonDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,141,810
Investment Income
$510,407
Other Revenue
$76,648
Change in Net Assets
$-655,537
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,817,775
Salaries, Compensation, and Employee Benefits$1,566,627
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$1,200,177
Other Salaries and Wages---$976,986
Current Officers, Directors, Trustees, and Key Employees---$311,685
Occupancy---$275,380
Fees for Services Legal---$264,708
Depreciation Depletion---$177,460
Other Employee Benefits---$158,100
Office Expenses---$135,880
Payroll Taxes---$112,262
Advertising---$47,606
Insurance---$41,331
Fees for Services Accounting---$29,358
Other Expenses---$15,420
Pension Plan Contributions---$7,594
Travel---$514
Total Functional Expenses$0$0$0$4,384,402
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$61,653,996
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has members.”

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

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

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

“The 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 filing the the form 990.”

Form 990, Part VI, Section C, Line 19

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

Filing and Contact Details

Filer

Filer Name
Athol Credit Union
EIN
04-1046540
Phone
9782493527
Address
513 MAIN STREET, ATHOL, MA 01331

Signing Officer

Name
Courtney Fifield
Title
President/CEO
Phone
9783420647
Signed
2020-05-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Courtney Fifield
Formed
1930
Legal Domicile
Ma
Voting Board Members
11
Independent Board Members
11
Employees
39
Volunteers
0

Preparer

Firm
Whittlesey Pc
Address
280 TRUMBULL ST 24TH FL, HARTFORD, CT 06103
Preparer
Kimberly Napp
Phone
8605223111
Supplemental Narrative

Additional Explanations

Part XII Line 2C

“There has been no changes in the process from the prior year.”

Raw XML AppendixShowing 400 of 426 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/NetUnrlzdGainsLossesInvstAmt0532150
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0275380
IRS990/OfficeExpensesGrp/TotalAmt0135880
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01432368
IRS990/OtherAssetsTotalGrp/EOYAmt01364674
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0158100
IRS990/OtherExpensesGrp/Desc0DATA PROCESSING & INTER
IRS990/OtherExpensesGrp/Desc1ONLINE BANKING
IRS990/OtherExpensesGrp/Desc2OTHER OPERATIONAL EXPEN
IRS990/OtherExpensesGrp/Desc3DONATIONS
IRS990/OtherExpensesGrp/TotalAmt0312783
IRS990/OtherExpensesGrp/TotalAmt1212749
IRS990/OtherExpensesGrp/TotalAmt2104409
IRS990/OtherExpensesGrp/TotalAmt315420
IRS990/OtherLiabilitiesGrp/BOYAmt064110756
IRS990/OtherLiabilitiesGrp/EOYAmt061653996
IRS990/OtherOrganizationDsc0CREDIT UNION.
IRS990/OtherSalariesAndWagesGrp/TotalAmt0976986
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt066621411
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt067454556
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0112262
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt07594
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01741540
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01851073
IRS990/PrincipalOfficerNm0COURTNEY FIFIELD
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER SERVICE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02675364
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1435963
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02675364
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1466446
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt030483
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0721695
IRS990/PYOtherExpensesAmt02475365
IRS990/PYOtherRevenueAmt0444586
IRS990/PYProgramServiceRevenueAmt02705988
IRS990/PYRevenuesLessExpensesAmt0-97761
IRS990/PYSalariesCompEmpBnftPaidAmt01494665
IRS990/PYTotalExpensesAmt03970030
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03872269
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0-655537
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt076648
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07026897
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06903510
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01407188
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02845495
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0367274
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02227226
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02594500
IRS990ScheduleD/EquipmentGrp/BookValueAmt064499
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02002452
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02066951
IRS990ScheduleD/LandGrp/BookValueAmt020825
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt020825
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt049154
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt049154
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt061653996
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARE AND DEPOSIT ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0452598
IRS990ScheduleD/TotalLiabilityAmt061653996
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0311685
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt01400
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt013349
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KEVIN MILLER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0FORMER CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0326434
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
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 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 FILING THE THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION POSTS UNAUDITED FINANCIAL STATEMENTS IN THE LOBBY OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THERE HAS BEEN NO CHANGES IN THE PROCESS FROM THE PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5PART XII LINE 2C
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt095457018
IRS990/TotalAssetsEOYAmt093689380
IRS990/TotalAssetsGrp/BOYAmt095457018
IRS990/TotalAssetsGrp/EOYAmt093689380
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt039
IRS990/TotalFunctionalExpensesGrp/TotalAmt04384402
IRS990/TotalGrossUBIAmt030483
IRS990/TotalLiabilitiesBOYAmt088430121
IRS990/TotalLiabilitiesEOYAmt086785870
IRS990/TotalLiabilitiesGrp/BOYAmt088430121
IRS990/TotalLiabilitiesGrp/EOYAmt086785870
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07026897
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06903510
IRS990/TotalOtherCompensationAmt028310
IRS990/TotalProgramServiceRevenueAmt03141810
IRS990/TotalReportableCompFromOrgAmt0419156
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03698382
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03728865
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt030483
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt095457018
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt093689380
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0514
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0513 MAIN STREET
IRS990/USAddress/CityNm0ALTHOL
IRS990/USAddress/StateAbbreviationCd0MA
IRS990/USAddress/ZIPCd001331
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt011
IRS990/WebsiteAddressTxt0WWW.ATHOLCREDITUNION.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02020-09-22 18:59:49Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0COURTNEY FIFIELD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09783420647
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-05-20
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ATHOL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ATHO

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$93,689,380
Liabilities
$86,785,870
Net assets
$6,903,510
Revenue
$3,728,865
Expenses
$4,384,402
Net income
-$655,537
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
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