Civic Intelligence

Athol Credit Union

990 • Fiscal year 2021 • EIN 04-1046540

Jan 01, 2021 to Dec 31, 2021 • Filed on Nov 14, 2022

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

65th percentile

0.90x

Higher debt load relative to assets than 65% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Liabilities / Revenue

34th percentile

19.71x

Higher debt load relative to revenue than 34% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Net Margin

41st percentile

11%

Higher net margin than 41% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Top Officer Pay

51st percentile

$143,589

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 3.9% of source-year revenue.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Asset Growth

3rd percentile

0.6%

Faster asset growth than 3% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2020 to 2021

Revenue Growth

75th percentile

6.0%

Faster revenue growth than 75% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets65th percentile

Assets

Up

$79,397,354

Up $499,908 (+0.6%) from 2020

Net Assets

Up

$7,570,605

Up $406,889 (+5.7%) from 2020

Liabilities

Up

$71,826,749

Up $93,019 (+0.1%) from 2020

Revenue And Expenses
Liabilities / Revenue34th percentileNet Margin41st percentile

Revenue

Up

$3,643,738

Up $206,720 (+6.0%) from 2020

Expenses

Down

$3,225,647

Down $235,556 (-6.8%) from 2020

Net Income

Up

$418,091

Up $442,276 (+1829%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth3rd 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

2021

Assets$79,397,354
Liabilities$71,826,749
Net Assets$7,570,605
Open 2021 Filing

Operations Trend

Revenue Growth75th 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

2021

Revenue$3,643,738
Expenses$3,225,647
Net Income$418,091
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Nov 14, 2022
Return Version
2021v4.2
Gross Receipts
$3,735,341
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$65,460,596$68,172,193▲ $2,711,597
Rtn Earn Endowment Incm Other Fnds$7,163,716$7,570,605▲ $406,889
Savings and Temporary Cash Investments$7,059,932$4,617,061▼ $2,442,871
Investments in Publicly Traded Securities$1,723,375$2,241,721▲ $518,346
Prepaid Expenses and Deferred Charges$1,829,966$1,815,788▼ $14,178
Cash and Non-Interest-Bearing Accounts$710,575$714,994▲ $4,419
Land, Buildings, and Equipment, Net$547,109$476,267▼ $70,842
Investments Other Securities$483,100$145,700▼ $337,400
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$78,897,446$79,397,354▲ $499,908
Other Assets Total$1,082,793$1,213,630▲ $130,837
Liabilities
Other Liabilities$63,831,260$70,226,293▲ $6,395,033
Mortgage Notes Payable Secured by Investment Property$7,805,221$1,476,575▼ $6,328,646
Accounts Payable and Accrued Expenses$97,249$123,881▲ $26,632
Total Liabilities$71,733,730$71,826,749▲ $93,019
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,163,716$7,570,605▲ $406,889
Total Liabilities and Net Assets / Fund Balance$78,897,446$79,397,354▲ $499,908

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$352,666$1,421,956$1,774,622
Equipment$58,077$861,274$919,351
Land$65,524-$65,524
Compensation and Service Providers
Top Officer Pay51st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Courtney FifieldPresident and CEOFT$132,636$10,953$143,589
Lindsay JamiesonVP of AccountingFT$86,522$13,948$100,470
Tim DelamereIt OfficerFT$88,275$3,366$91,641
Shawn GonynorVP of Project ManagementFT$79,967$11,603$91,570
Luis CisnerosVP of LendingFT$78,228$6,075$84,303

Board Members and Trustees

NameTitle
Christopher CasellaChairman
Brianna DrohenDirector
Glenn EatonDirector
Len CrossmanDirector
Lisa CareyDirector
Mark WrightDirector
William J CaldwellDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,445,923
Investment Income
$118,762
Other Revenue
$79,053
Change in Net Assets
$418,091
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,792,632
Salaries, Compensation, and Employee Benefits$1,433,015
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$661,471
Current Officers, Directors, Trustees, and Key Employees---$511,573
Interest---$398,079
Occupancy---$299,140
Fees for Services Legal---$159,545
Other Employee Benefits---$151,538
Depreciation Depletion---$127,110
Office Expenses---$106,754
Payroll Taxes---$99,911
Advertising---$56,492
Insurance---$36,841
Fees for Services Accounting---$27,894
Other Expenses---$10,814
Pension Plan Contributions---$8,522
Travel---$1,660
Total Functional Expenses$0$0$0$3,225,647
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$70,226,293
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 treasurer 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
2022-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Courtney Fifield
Formed
1930
Legal Domicile
Ma
Voting Board Members
7
Independent Board Members
7
Employees
31
Volunteers
0

Preparer

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

Additional Explanations

Part XII Line 2C

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

Raw XML Appendix395 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/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT AND CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9IT OFFICER
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IRS990/OtherExpensesGrp/Desc0DATA PROCESSING & INTER
IRS990/OtherExpensesGrp/Desc1ONLINE BANKING
IRS990/OtherExpensesGrp/Desc2OTHER OPERATIONAL EXPEN
IRS990/OtherExpensesGrp/Desc3DONATIONS
IRS990/OtherExpensesGrp/TotalAmt0239288
IRS990/OtherExpensesGrp/TotalAmt1207329
IRS990/OtherExpensesGrp/TotalAmt2121686
IRS990/OtherExpensesGrp/TotalAmt310814
IRS990/OtherLiabilitiesGrp/BOYAmt063831260
IRS990/OtherLiabilitiesGrp/EOYAmt070226293
IRS990/OtherOrganizationDsc0CREDIT UNION.
IRS990/OtherSalariesAndWagesGrp/TotalAmt0661471
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt065460596
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt068172193
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt099911
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt08522
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01829966
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01815788
IRS990/PrincipalOfficerNm0COURTNEY FIFIELD
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER SERVICE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02702170
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1698463
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02702170
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1743753
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt045290
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0279931
IRS990/PYOtherExpensesAmt02110973
IRS990/PYOtherRevenueAmt091405
IRS990/PYProgramServiceRevenueAmt03065682
IRS990/PYRevenuesLessExpensesAmt0-24185
IRS990/PYSalariesCompEmpBnftPaidAmt01350230
IRS990/PYTotalExpensesAmt03461203
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03437018
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0418091
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt079053
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07163716
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07570605
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07059932
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04617061
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0352666
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01421956
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01774622
IRS990ScheduleD/EquipmentGrp/BookValueAmt058077
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0861274
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0919351
IRS990ScheduleD/LandGrp/BookValueAmt065524
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt065524
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt070226293
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARE AND DEPOSIT ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0476267
IRS990ScheduleD/TotalLiabilityAmt070226293
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd00
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 TREASURER 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/TotalAssetsBOYAmt078897446
IRS990/TotalAssetsEOYAmt079397354
IRS990/TotalAssetsGrp/BOYAmt078897446
IRS990/TotalAssetsGrp/EOYAmt079397354
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt031
IRS990/TotalFunctionalExpensesGrp/TotalAmt03225647
IRS990/TotalGrossUBIAmt045290
IRS990/TotalLiabilitiesBOYAmt071733730
IRS990/TotalLiabilitiesEOYAmt071826749
IRS990/TotalLiabilitiesGrp/BOYAmt071733730
IRS990/TotalLiabilitiesGrp/EOYAmt071826749
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07163716
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07570605
IRS990/TotalOtherCompensationAmt045945
IRS990/TotalProgramServiceRevenueAmt03445923
IRS990/TotalReportableCompFromOrgAmt0465628
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03598448
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03643738
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt045290
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt078897446
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt079397354
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt01660
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0513 MAIN STREET
IRS990/USAddress/CityNm0ALTHOL
IRS990/USAddress/StateAbbreviationCd0MA
IRS990/USAddress/ZIPCd001331
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.ATHOLCREDITUNION.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd03
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0COURTNEY FIFIELD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09783420647
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ATHOL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ATHO
ReturnHeader/Filer/EIN0041046540
ReturnHeader/Filer/PhoneNum09782493527
ReturnHeader/Filer/USAddress/AddressLine1Txt0513 MAIN STREET
ReturnHeader/Filer/USAddress/CityNm0ATHOL
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001331
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0060903326
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WHITTLESEY PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0280 TRUMBULL ST 24TH FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0HARTFORD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd006103
ReturnHeader/PreparerPersonGrp/PhoneNum08605223111
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0THOMAS GOLDFUSS
ReturnHeader/ReturnTs02022-11-14T10:11:00-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0COURTNEY
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0FIFIELD
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$79,397,354
Liabilities
$71,826,749
Net assets
$7,570,605
Revenue
$3,643,738
Expenses
$3,225,647
Net income
$418,091
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
2021Detailed filing. Detailed filing data is available for this year.$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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