Liabilities / Assets
12th percentile
Higher debt load relative to assets than 12% of similar nonprofits.
990 • Fiscal year 2013 • EIN 04-1106850
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
12th percentile
Higher debt load relative to assets than 12% of similar nonprofits.
Liabilities / Revenue
69th percentile
Higher debt load relative to revenue than 69% of similar nonprofits.
Net Margin
15th percentile
Higher net margin than 15% of similar nonprofits.
Top Officer Pay
20th percentile
Higher top officer pay than 20% of similar nonprofits.
Top officer pay equals 3.1% of source-year revenue.
Asset Growth
2nd percentile
Faster asset growth than 2% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Assets
Down$106,800,918
Down $6,729,526 (-5.9%) from 2012
Net Assets
Down$17,011,322
Down $793,650 (-4.5%) from 2012
Liabilities
Down$89,789,596
Down $5,935,876 (-6.2%) from 2012
Revenue
$4,434,227
No earlier filing loaded for comparison.
Expenses
Down$4,313,036
Down $774,381 (-15%) from 2012
Net Income
$121,191
No earlier filing loaded for comparison.
Maintenance of member share and deposit accounts and the payment of interest thereon. Lending and investing of member deposits at market interest.
Maintenance of member share and deposit accounts and the payment of interest thereon
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $66,147,894 | $58,187,344 | ▼ $7,960,550 |
| Savings and Temporary Cash Investments | $25,779,849 | $26,190,504 | ▲ $410,655 |
| Rtn Earn Endowment Incm Other Fnds | $17,804,972 | $17,011,322 | ▼ $793,650 |
| Investments in Publicly Traded Securities | $11,483,300 | $12,827,800 | ▲ $1,344,500 |
| Land, Buildings, and Equipment, Net | $7,169,596 | $6,833,170 | ▼ $336,426 |
| Cash and Non-Interest-Bearing Accounts | $943,663 | $993,052 | ▲ $49,389 |
| Prepaid Expenses and Deferred Charges | $533,368 | $347,416 | ▼ $185,952 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $113,530,444 | $106,800,918 | ▼ $6,729,526 |
| Other Assets Total | $1,472,774 | $1,421,632 | ▼ $51,142 |
| Liabilities | |||
| Other Liabilities | $95,083,707 | $89,348,446 | ▼ $5,735,261 |
| Accounts Payable and Accrued Expenses | $641,765 | $441,150 | ▼ $200,615 |
| Total Liabilities | $95,725,472 | $89,789,596 | ▼ $5,935,876 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $17,804,972 | $17,011,322 | ▼ $793,650 |
| Total Liabilities and Net Assets / Fund Balance | $113,530,444 | $106,800,918 | ▼ $6,729,526 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $3,919,562 | $501,190 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $2,492,128 | - | $0 |
| Equipment | $404,755 | $1,583,085 | $0 |
| Leasehold Improvements | $16,725 | $175,907 | $0 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Robert Bartol | President | FT | $139,590 | $139,590 |
| Tommy Luu | CFO | FT | $93,586 | $93,586 |
| Martin Scafidi | Board Member | - | $5,364 | $5,364 |
| John G Coyne Jr | Board Member | - | $4,853 | $4,853 |
| Joseph Papapietro | Treasurer | - | $4,433 | $4,433 |
| Paul Rizzo | Board Member | - | $3,732 | $3,732 |
| John Casciano | Board Member | - | $2,925 | $2,925 |
| William T Bolter | Board Member | - | $2,147 | $2,147 |
| Robert Brent | Board Member | - | $1,963 | $1,963 |
| Stanley Bykowski | Chairman | - | $1,448 | $1,448 |
| Robert Losi | Board Member | - | $686 | $686 |
| Joseph Tierney | Board Member | - | $613 | $613 |
| Line Item | Amount |
|---|---|
| Other Expenses | $2,673,002 |
| Salaries, Compensation, and Employee Benefits | $1,640,034 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $934,746 |
| Interest | - | - | - | $592,378 |
| Office Expenses | - | - | - | $377,174 |
| Depreciation Depletion | - | - | - | $371,329 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $261,340 |
| All Other Expenses | - | - | - | $210,708 |
| Other Employee Benefits | - | - | - | $174,072 |
| Pension Plan Contributions | - | - | - | $152,238 |
| Other Expenses | - | - | - | $140,538 |
| Occupancy | - | - | - | $134,716 |
| Payroll Taxes | - | - | - | $117,638 |
| Information Technology | - | - | - | $97,272 |
| Advertising | - | - | - | $72,258 |
| Insurance | - | - | - | $67,066 |
| Fees for Services Accounting | - | - | - | $51,505 |
| Conferences and Meetings | - | - | - | $830 |
| Total Functional Expenses | $0 | $0 | $0 | $4,313,036 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $4,313,036 |
| Total Expenses per Audited Statements | $4,313,036 |
| Total Expenses per Form 990 | $4,313,036 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Other Expense Adjustments | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Share and Deposit Accounts | $89,348,446 |
“The organization is made up of members who pay 25.00 to open an account with the credit union.”
“The organization has members who may run for a seat of the governing body if they choose to do so.”
“There are certain decisions that require a vote of the membership before they can become effective.”
“Form 990 is prepared by the President and is reviewed by the Chief Financial Officer before it is submitted to the IRS.”
“The Directors and employees of the credit union have to read and sign the policy on an annual basis.”
“The President is under contract and his salary is set by the Board of Directors. The salary of the CFO is determined by the President. The credit union references a compensation survey that was conducted by an independent firm that looks at other financial institutions and comes up with comparable salaries.”
“Upon request, these documents are made available to the public.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 641765 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 441150 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | Maintenance of member share and deposit accounts and the payment of interest thereon |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 72258 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 210708 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Robert Bartol |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6174824787 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 100 Swift Street |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | East Boston |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | MA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 02128 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 943663 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 993052 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 261340 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 830 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 0 |
| IRS990/CYOtherExpensesAmt | 0 | 2673002 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 4434227 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 121191 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1640034 |
| IRS990/CYTotalExpensesAmt | 0 | 4313036 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 4434227 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 371329 |
| IRS990/Desc | 0 | MAINTENANCE OF MEMBER SHARE AND DEPOSIT ACCOUNTS AND THE PAYMENT OF INTEREST THEREON. LENDING AND INVESTING OF MEMBER DEPOSITS AT MARKET INTEREST. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 25 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 51505 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 40 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Robert Losi |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Stanley Bykowski |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | John G Coyne Jr |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Robert Brent |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | John Casciano |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | William T Bolter |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Martin Scafidi |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Joseph Papapietro |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Robert Bartol |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Paul Rizzo |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Joseph Tierney |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | Tommy Luu |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 686 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 1448 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 4853 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 1963 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 2925 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 2147 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 5364 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 4433 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 139590 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 3732 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 613 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 93586 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | CFO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1924 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 10 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 4434227 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 10 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 97272 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 67066 |
| IRS990/InterestGrp/TotalAmt | 0 | 592378 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 11483300 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 12827800 |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 2260182 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 7169596 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 6833170 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 9093352 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | Maintenance of member share and deposit accounts and the payment of interest thereon. Lending and investing of member deposits at market interest. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 17804972 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 17011322 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -914841 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 134716 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 377174 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1472774 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1421632 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 174072 |
| IRS990/OtherExpensesGrp/Desc | 0 | ATM Costs |
| IRS990/OtherExpensesGrp/Desc | 1 | Provision for Loan Losses |
| IRS990/OtherExpensesGrp/Desc | 2 | Loan Services - OREO Expenses |
| IRS990/OtherExpensesGrp/Desc | 3 | Bank Charges - NCUSIF Expense |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 309606 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 108674 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 138948 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 140538 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 95083707 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 89348446 |
| IRS990/OtherOrganizationDsc | 0 | State Chartered Credit Union |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 934746 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 66147894 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 58187344 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 117638 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 152238 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 533368 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 347416 |
| IRS990/PrincipalOfficerNm | 0 | Robert Bartol |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Interest on Investments |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Other Income |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3468265 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 338949 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 627013 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 3468265 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 338949 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 627013 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 0 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 3228868 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 4941414 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -146003 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1858549 |
| IRS990/PYTotalExpensesAmt | 0 | 5087417 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 4941414 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 121191 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 17804972 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 17011322 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 25779849 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 26190504 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 3919562 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 501190 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 4420752 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 404755 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1583085 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 1987840 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 4313036 |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 0 |
| IRS990ScheduleD/InvestmentExpensesNotIncld2Amt | 0 | 0 |
| IRS990ScheduleD/InvestmentExpensesNotIncldAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 2492128 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 2492128 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 16725 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 175907 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 192632 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LossesReportedAmt | 0 | 0 |
| IRS990ScheduleD/NetUnrealizedGainsInvstAmt | 0 | 0 |
| IRS990ScheduleD/OtherExpensesIncludedAmt | 0 | 0 |
| IRS990ScheduleD/OtherExpensesNotIncludedAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 89348446 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Share and Deposit Accounts |
| IRS990ScheduleD/OtherRevenueAmt | 0 | 0 |
| IRS990ScheduleD/OtherRevenuesNotIncludedAmt | 0 | 0 |
| IRS990ScheduleD/PriorYearAdjustmentsAmt | 0 | 0 |
| IRS990ScheduleD/RecoveriesPriorYearGrantsAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 4434227 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 6833170 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 4313036 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 89348446 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 4434227 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 4434227 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 4313036 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | The organization is made up of members who pay 25.00 to open an account with the credit union. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | The organization has members who may run for a seat of the governing body if they choose to do so. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | There are certain decisions that require a vote of the membership before they can become effective. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Form 990 is prepared by the President and is reviewed by the Chief Financial Officer before it is submitted to the IRS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | The Directors and employees of the credit union have to read and sign the policy on an annual basis. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | The President is under contract and his salary is set by the Board of Directors. The salary of the CFO is determined by the President. The credit union references a compensation survey that was conducted by an independent firm that looks at other financial institutions and comes up with comparable salaries. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | Upon request, these documents are made available to the public. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, Line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, Line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section B, Line 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section C, Line 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 113530444 |
| IRS990/TotalAssetsEOYAmt | 0 | 106800918 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 113530444 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 106800918 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 25 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 4313036 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 95725472 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 89789596 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 95725472 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 89789596 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 17804972 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 17011322 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcExpenseAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcGrantAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcRevenueAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 0 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 4434227 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 261340 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4434227 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 4434227 |
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Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.