Civic Intelligence

Mass Bay Credit Union

990 • Fiscal year 2012 • EIN 04-1104060

Jan 01, 2012 to Dec 31, 2012

South Boston, MA
Siviq Scores

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

Liabilities / Assets

50th percentile

0.89x

Higher debt load relative to assets than 50% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2012

Liabilities / Revenue

96th percentile

16.87x

Higher debt load relative to revenue than 96% of similar nonprofits.

2012 filings • $100M-$250M nonprofits • Source year 2012

Net Margin

64th percentile

10%

Higher net margin than 64% of similar nonprofits.

2012 filings • $100M-$250M nonprofits • Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

40th percentile

4.1%

Faster asset growth than 40% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2011 to 2012

Revenue Growth

49th percentile

0.7%

Faster revenue growth than 49% of similar nonprofits.

2012 filings • $100M-$250M nonprofits • Annualized from 2011 to 2012

Assets

Up

$196,387,769

Up $7,791,128 (+4.1%) from 2011

Net Assets

Up

$20,763,467

Up $1,390,735 (+7.2%) from 2011

Liabilities

Up

$175,624,302

Up $6,400,393 (+3.8%) from 2011

Revenue

Up

$10,408,309

Up $76,724 (+0.7%) from 2011

Expenses

Down

$9,335,952

Down $299,491 (-3.1%) from 2011

Net Income

Up

$1,072,357

Up $376,215 (+54%) from 2011

Historical Trend

Balance Sheet Trend

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

$400M$300M$200M$100M$0Assets 2010: $184,708,226Liabilities 2010: $165,780,680Net Assets 2010: $18,927,5462010Assets 2011: $188,596,641Liabilities 2011: $169,223,909Net Assets 2011: $19,372,7322011Assets 2012: $196,387,769Liabilities 2012: $175,624,302Net Assets 2012: $20,763,4672012Assets 2013: $195,161,101Liabilities 2013: $174,550,424Net Assets 2013: $20,610,6772013Assets 2014: $207,350,724Liabilities 2014: $184,915,040Net Assets 2014: $22,435,6842014Assets 2015: $217,212,868Liabilities 2015: $194,803,079Net Assets 2015: $22,409,7892015Assets 2016: $235,878,396Liabilities 2016: $212,753,812Net Assets 2016: $23,124,5842016Assets 2017: $248,423,891Liabilities 2017: $224,079,848Net Assets 2017: $24,344,0432017Assets 2018: $246,838,769Liabilities 2018: $221,474,210Net Assets 2018: $25,364,5592018Assets 2019: $262,292,406Liabilities 2019: $235,148,407Net Assets 2019: $27,143,9992019Assets 2020: $273,919,531Liabilities 2020: $245,683,318Net Assets 2020: $28,236,2132020Assets 2021: $300,728,924Liabilities 2021: $270,763,298Net Assets 2021: $29,965,6262021Assets 2022: $324,262,478Liabilities 2022: $294,622,214Net Assets 2022: $29,640,2642022Assets 2023: $349,698,007Liabilities 2023: $316,837,559Net Assets 2023: $32,860,4482023Assets 2024: $354,220,720Liabilities 2024: $319,962,561Net Assets 2024: $34,258,1592024Assets 2025: $367,122,630Liabilities 2025: $328,761,380Net Assets 2025: $38,361,2502025

Highlighted filing

2012

Assets$196,387,769
Liabilities$175,624,302
Net Assets$20,763,467

Operations Trend

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

$20M$15M$10M$5.0M$0Expenses 2010: $9,651,2132010Revenue 2011: $10,331,585Expenses 2011: $9,635,443Net Income 2011: $696,1422011Revenue 2012: $10,408,309Expenses 2012: $9,335,952Net Income 2012: $1,072,3572012Revenue 2013: $10,299,066Expenses 2013: $9,508,840Net Income 2013: $790,2262013Revenue 2014: $10,017,185Expenses 2014: $9,178,153Net Income 2014: $839,0322014Revenue 2015: $10,050,787Expenses 2015: $9,367,822Net Income 2015: $682,9652015Revenue 2016: $10,722,084Expenses 2016: $9,890,019Net Income 2016: $832,0652016Revenue 2017: $11,392,876Expenses 2017: $10,490,364Net Income 2017: $902,5122017Revenue 2018: $12,308,919Expenses 2018: $11,259,877Net Income 2018: $1,049,0422018Revenue 2019: $12,727,608Expenses 2019: $11,117,352Net Income 2019: $1,610,2562019Revenue 2020: $11,362,568Expenses 2020: $10,787,213Net Income 2020: $575,3552020Revenue 2021: $12,109,797Expenses 2021: $9,763,481Net Income 2021: $2,346,3162021Revenue 2022: $13,969,003Expenses 2022: $9,769,261Net Income 2022: $4,199,7422022Revenue 2023: $16,486,383Expenses 2023: $13,978,307Net Income 2023: $2,508,0762023Revenue 2024: $19,306,715Expenses 2024: $17,599,264Net Income 2024: $1,707,4512024Revenue 2025: $19,241,311Expenses 2025: $17,105,978Net Income 2025: $2,135,3332025

Highlighted filing

2012

Revenue$10,408,309
Expenses$9,335,952
Net Income$1,072,357
Filing Detail Status

This 2012 filing currently has summary financial data only. Detailed schedules, leadership, and program rows are not available for this filing yet.

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Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Mission and Program Overview

Mission

A full service financial institution that strives to provide the highest level of service and personal attention to all of their members, while continually trying to expand and refine their products and service, offering to best meet their needs, at highly competitive rates and unsurpassed value.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$367$329$38.4$19.2$17.1$2.14
2024Detailed filing. Detailed filing data is available for this year.$354$320$34.3$19.3$17.6$1.71
2023Detailed filing. Detailed filing data is available for this year.$350$317$32.9$16.5$14.0$2.51
2022Detailed filing. Detailed filing data is available for this year.$324$295$29.6$14.0$9.77$4.20
2021Detailed filing. Detailed filing data is available for this year.$301$271$30.0$12.1$9.76$2.35
2020Detailed filing. Detailed filing data is available for this year.$274$246$28.2$11.4$10.8$0.58
2019Detailed filing. Detailed filing data is available for this year.$262$235$27.1$12.7$11.1$1.61
2018Detailed filing. Detailed filing data is available for this year.$247$221$25.4$12.3$11.3$1.05
2017Detailed filing. Detailed filing data is available for this year.$248$224$24.3$11.4$10.5$0.90
2016Detailed filing. Detailed filing data is available for this year.$236$213$23.1$10.7$9.89$0.83
2015Detailed filing. Detailed filing data is available for this year.$217$195$22.4$10.1$9.37$0.68
2014Detailed filing. Detailed filing data is available for this year.$207$185$22.4$10.0$9.18$0.84
2013Detailed filing. Detailed filing data is available for this year.$195$175$20.6$10.3$9.51$0.79
2012Summary only. Only limited summary data is available for this year.$196$176$20.8$10.4$9.34$1.07
2011Summary only. Only limited summary data is available for this year.$189$169$19.4$10.3$9.64$0.70
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$185$166$18.9$9.65