Civic Intelligence

Athol Credit Union

990 • Fiscal year 2023 • EIN 04-1046540

Jan 01, 2023 to Dec 31, 2023 • Filed on Aug 07, 2024

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

80th percentile

0.91x

Higher debt load relative to assets than 80% of similar nonprofits.

2023 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2023

Liabilities / Revenue

53rd percentile

17.68x

Higher debt load relative to revenue than 53% of similar nonprofits.

2023 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2023

Net Margin

23rd percentile

5.2%

Higher net margin than 23% of similar nonprofits.

2023 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2023

Top Officer Pay

52nd percentile

$157,263

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 3.4% of source-year revenue.

2023 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2023

Asset Growth

88th percentile

6.3%

Faster asset growth than 88% of similar nonprofits.

2023 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2022 to 2023

Revenue Growth

24th percentile

11%

Faster revenue growth than 24% of similar nonprofits.

2023 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$90,278,013

Up $5,334,539 (+6.3%) from 2022

Net Assets

Up

$8,212,793

Up $219,750 (+2.7%) from 2022

Liabilities

Up

$82,065,220

Up $5,114,789 (+6.6%) from 2022

Revenue And Expenses
Liabilities / Revenue53rd percentileNet Margin23rd percentile

Revenue

Up

$4,642,872

Up $448,694 (+11%) from 2022

Expenses

Up

$4,399,277

Up $949,822 (+28%) from 2022

Net Income

Down

$243,595

Down $501,128 (-67%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth88th 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

2023

Assets$90,278,013
Liabilities$82,065,220
Net Assets$8,212,793
Open 2023 Filing

Operations Trend

Revenue Growth24th 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

2023

Revenue$4,642,872
Expenses$4,399,277
Net Income$243,595
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Aug 7, 2024
Return Version
2023v5.1
Gross Receipts
$4,642,872
Mission and Program Overview

Mission

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$71,995,024$76,802,969▲ $4,807,945
Rtn Earn Endowment Incm Other Fnds$7,993,043$8,212,793▲ $219,750
Savings and Temporary Cash Investments$4,737,582$4,661,872▼ $75,710
Investments in Publicly Traded Securities$3,059,371$2,787,971▼ $271,400
Prepaid Expenses and Deferred Charges$1,893,716$1,897,794▲ $4,078
Land, Buildings, and Equipment, Net$703,511$947,628▲ $244,117
Investments Other Securities$119,300$374,500▲ $255,200
Cash and Non-Interest-Bearing Accounts$537,815$322,489▼ $215,326
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$84,943,474$90,278,013▲ $5,334,539
Other Assets Total$1,897,155$2,482,790▲ $585,635
Liabilities
Other Liabilities$74,226,478$72,815,082▼ $1,411,396
Mortgage Notes Payable Secured by Investment Property$2,614,963$9,100,000▲ $6,485,037
Accounts Payable and Accrued Expenses$108,990$150,138▲ $41,148
Total Liabilities$76,950,431$82,065,220▲ $5,114,789
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,993,043$8,212,793▲ $219,750
Total Liabilities and Net Assets / Fund Balance$84,943,474$90,278,013▲ $5,334,539

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$778,451$1,601,297$2,379,748
Equipment$103,653$940,298$1,043,951
Land$65,524-$65,524
Compensation and Service Providers
Top Officer Pay52nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Luis CisnerosPresident and CEO Eff 4/24/23FT$146,580$10,683$157,263
Shawn GonynorVP of Project ManagementFT$99,115$16,950$116,065
April BryceVP of LendingFT$81,103$3,964$85,067
Lindsay JamiesonVP of Accounting Until 9/29/23FT$73,576$1,408$74,984
Courtney FifieldPresident and CEO Until 4/14/23FT$47,991$4,810$52,801

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
$4,365,921
Investment Income
$238,539
Other Revenue
$38,412
Change in Net Assets
$243,595
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,764,826
Salaries, Compensation, and Employee Benefits$1,634,451
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$1,133,577
Other Salaries and Wages---$739,944
Current Officers, Directors, Trustees, and Key Employees---$486,180
Occupancy---$409,979
Other Employee Benefits---$265,265
Fees for Services Legal---$198,667
Depreciation Depletion---$130,668
Office Expenses---$126,933
Payroll Taxes---$114,548
Insurance---$42,967
Fees for Services Accounting---$39,992
Advertising---$30,974
Pension Plan Contributions---$28,514
Other Expenses---$5,712
Travel---$854
Total Functional Expenses$0$0$0$4,399,277
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$72,815,082
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 organization makes its governing documents and financial statements available to the public upon request”

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
Luis Cisneros
Title
President/CEO
Phone
9783420647
Signed
2024-08-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Luis Cisneros
Formed
1930
Legal Domicile
Ma
Voting Board Members
7
Independent Board Members
7
Employees
35
Volunteers
0

Preparer

Firm
Whittlesey Pc
Address
280 TRUMBULL ST 24TH FL, HARTFORD, CT 06103
Preparer
Thomas Goldfuss
Phone
8605223111
Raw XML Appendix396 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/TitleTxt9VP OF ACCOUNTING UNTIL 9/29/23
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IRS990/OtherLiabilitiesGrp/EOYAmt072815082
IRS990/OtherOrganizationDsc0CREDIT UNION.
IRS990/OtherSalariesAndWagesGrp/TotalAmt0739944
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt071995024
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt076802969
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0114548
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt028514
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01893716
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01897794
IRS990/PrincipalOfficerNm0LUIS CISNEROS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER SERVICE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03885139
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1480782
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03885139
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1480782
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0159864
IRS990/PYOtherExpensesAmt01879174
IRS990/PYOtherRevenueAmt046401
IRS990/PYProgramServiceRevenueAmt03987913
IRS990/PYRevenuesLessExpensesAmt0744723
IRS990/PYSalariesCompEmpBnftPaidAmt01570281
IRS990/PYTotalExpensesAmt03449455
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04194178
IRS990/ReconcilationRevenueExpnssAmt0243595
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt038412
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07993043
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08212793
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04737582
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04661872
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0778451
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01601297
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02379748
IRS990ScheduleD/EquipmentGrp/BookValueAmt0103653
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0940298
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01043951
IRS990ScheduleD/LandGrp/BookValueAmt065524
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt065524
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt072815082
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARE AND DEPOSIT ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0947628
IRS990ScheduleD/TotalLiabilityAmt072815082
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0146580
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt02969
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt05709
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt02005
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0LUIS CISNEROS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT AND CEO EFF 4/24/23
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0157263
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 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 ORGANIZATION MAKES ITS GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST
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
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt084943474
IRS990/TotalAssetsEOYAmt090278013
IRS990/TotalAssetsGrp/BOYAmt084943474
IRS990/TotalAssetsGrp/EOYAmt090278013
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt035
IRS990/TotalFunctionalExpensesGrp/TotalAmt04399277
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt076950431
IRS990/TotalLiabilitiesEOYAmt082065220
IRS990/TotalLiabilitiesGrp/BOYAmt076950431
IRS990/TotalLiabilitiesGrp/EOYAmt082065220
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07993043
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt08212793
IRS990/TotalOtherCompensationAmt035810
IRS990/TotalProgramServiceRevenueAmt04365921
IRS990/TotalReportableCompFromOrgAmt0450370
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04642872
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04642872
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt084943474
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt090278013
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0854
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/BuildTS02024-08-08 14:25:15Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0LUIS CISNEROS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09783420647
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-08-07
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/IRSResponsiblePrtyInfoCurrInd01
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/ReturnTs02024-08-07T13:24:14-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$90,278,013
Liabilities
$82,065,220
Net assets
$8,212,793
Revenue
$4,642,872
Expenses
$4,399,277
Net income
$243,595
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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