Liabilities / Assets
15th percentile
Higher debt load relative to assets than 15% of similar nonprofits.
990 • Fiscal year 2020 • EIN 04-1106850
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
15th percentile
Higher debt load relative to assets than 15% of similar nonprofits.
Liabilities / Revenue
88th percentile
Higher debt load relative to revenue than 88% of similar nonprofits.
Net Margin
2nd percentile
Higher net margin than 2% of similar nonprofits.
Top Officer Pay
19th percentile
Higher top officer pay than 19% of similar nonprofits.
Top officer pay equals 3.9% of source-year revenue.
Asset Growth
18th percentile
Faster asset growth than 18% of similar nonprofits.
Revenue Growth
3rd percentile
Faster revenue growth than 3% of similar nonprofits.
Assets
Up$117,976,564
Up $12,068,741 (+11%) from 2019
Net Assets
Down$18,395,811
Down $1,274,922 (-6.5%) from 2019
Liabilities
Up$99,580,753
Up $13,343,663 (+15%) from 2019
Revenue
Down$3,753,355
Down $859,100 (-19%) from 2019
Expenses
Up$5,034,153
Up $533,431 (+12%) from 2019
Net Income
Down-$1,280,798
Down $1,392,531 (-1246%) from 2019
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 | $69,207,565 | $80,935,214 | ▲ $11,727,649 |
| Savings and Temporary Cash Investments | $18,302,922 | $23,917,685 | ▲ $5,614,763 |
| Rtn Earn Endowment Incm Other Fnds | $19,670,733 | $18,395,811 | ▼ $1,274,922 |
| Land, Buildings, and Equipment, Net | $5,923,892 | $5,815,407 | ▼ $108,485 |
| Investments in Publicly Traded Securities | $9,630,400 | $4,138,530 | ▼ $5,491,870 |
| Cash and Non-Interest-Bearing Accounts | $1,024,486 | $1,150,522 | ▲ $126,036 |
| Prepaid Expenses and Deferred Charges | $740,059 | $848,166 | ▲ $108,107 |
| Accounts Receivable | $0 | $0 | → $0 |
| Pledges and Grants Receivable | $0 | $0 | → $0 |
| Receivable From Disqualified Prsn | $0 | $0 | → $0 |
| Receivables From Officers Etc | $0 | $0 | → $0 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Inventories for Sale or Use | $0 | $0 | → $0 |
| Total Assets | $105,907,823 | $117,976,564 | ▲ $12,068,741 |
| Other Assets Total | $1,078,499 | $1,171,040 | ▲ $92,541 |
| Liabilities | |||
| Other Liabilities | $85,770,736 | $99,166,633 | ▲ $13,395,897 |
| Accounts Payable and Accrued Expenses | $466,354 | $414,120 | ▼ $52,234 |
| Total Liabilities | $86,237,090 | $99,580,753 | ▲ $13,343,663 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $19,670,733 | $18,395,811 | ▼ $1,274,922 |
| Total Liabilities and Net Assets / Fund Balance | $105,907,823 | $117,976,564 | ▲ $12,068,741 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $3,156,986 | $1,283,440 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $2,492,128 | - | $0 |
| Equipment | $161,573 | $145,735 | $0 |
| Leasehold Improvements | $4,720 | $720 | $0 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Tommy Luu | CFO | FT | $147,578 | $147,578 |
| Paul Travaglini | Business Banking Officer | FT | $145,151 | $145,151 |
| Rahul Kachru | President | FT | $143,505 | $143,505 |
| Eric Rich | Director of Lending | FT | $136,473 | $136,473 |
| Alexander Ciccone | Treasurer | - | $8,257 | $8,257 |
| Carlton Tarpinian | Board Member | - | $8,146 | $8,146 |
| Martin Scafidi | Board Member | - | $7,688 | $7,688 |
| John G Coyne Jr | Board Member | - | $7,663 | $7,663 |
| John Casciano | Board Member | - | $7,404 | $7,404 |
| Robert Losi | Board member | - | $7,303 | $7,303 |
| John Lacroix | Board Member | - | $6,754 | $6,754 |
| Anthony DeStefano | Board Member | - | $5,567 | $5,567 |
| Joseph Tierney | Chairman | - | $5,432 | $5,432 |
| Stephen Tassinari | Board Member | - | $4,772 | $4,772 |
| Line Item | Amount |
|---|---|
| Other Expenses | $2,428,955 |
| Salaries, Compensation, and Employee Benefits | $1,963,505 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $1,266,404 | - | - | $1,266,404 |
| Benefits to Members | $641,693 | - | - | $641,693 |
| Office Expenses | $418,778 | - | - | $418,778 |
| Interest | $344,022 | - | - | $344,022 |
| Information Technology | $277,433 | - | - | $277,433 |
| All Other Expenses | $275,036 | - | - | $275,036 |
| Other Employee Benefits | $259,630 | - | - | $259,630 |
| Pension Plan Contributions | $245,594 | - | - | $245,594 |
| Depreciation Depletion | $198,402 | - | - | $198,402 |
| Payroll Taxes | $191,877 | - | - | $191,877 |
| Occupancy | $146,647 | - | - | $146,647 |
| Advertising | $89,567 | - | - | $89,567 |
| Fees for Services Accounting | $85,000 | - | - | $85,000 |
| Other Expenses | $81,239 | $0 | $0 | $81,239 |
| Insurance | $57,622 | - | - | $57,622 |
| Conferences and Meetings | $542 | - | - | $542 |
| Total Functional Expenses | $5,034,153 | $0 | $0 | $5,034,153 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $5,034,153 |
| Total Expenses per Audited Statements | $5,034,153 |
| Total Expenses per Form 990 | $5,034,153 |
| 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 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Disqualified Persons | $0 | $0 | → $0 |
| Receivables from Officers, Directors, Trustees, and Key Employees | $0 | $0 | → $0 |
| Liability | Amount |
|---|---|
| Member Share and Deposit accounts | $99,166,633 |
“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 Chief Financial Officer and is reviewed by the President before it is submitted to the IRS.”
“The Directors and employees of the credit union have to read and sign the policy on the annual basis.”
“The President is under contract and his salary is set by the Personnel Committee who is made up of three Board of Directors. The salary of the CFO is determined by the President. The credit union references a compensation survey that was conducted an independent firm that looks at other financial institutions and comes up with comparative salaries.”
“Upon request, these documents are made available to the public.”
“Member Share and Deposit Accounts”
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 | 466354 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 414120 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | Maintenance of member share and deposit accounts and the payment of interest thereon |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 89567 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 89567 |
| IRS990/AllOtherContributionsAmt | 0 | 0 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 275036 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 275036 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/ProgramServicesAmt | 0 | 641693 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 641693 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Tommy Luu |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6174824787 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 100 Swift Street |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | East Boston |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 02128 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 1024486 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1150522 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 0 |
| IRS990/CompDisqualPersonsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 542 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 542 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContriRptFundraisingEventAmt | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 641693 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 0 |
| IRS990/CYOtherExpensesAmt | 0 | 2428955 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 3753355 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -1280798 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1963505 |
| IRS990/CYTotalExpensesAmt | 0 | 5034153 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 3753355 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 198402 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 198402 |
| 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/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 33 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/ExpenseAmt | 0 | 5034153 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FederatedCampaignsAmt | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 85000 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 85000 |
| IRS990/FeesForServicesLegalGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignGrantsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 40 |
| 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/AverageHoursPerWeekRltdOrgRt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 1 | X |
| 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/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | 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/OtherCompensationAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Tommy Luu |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Paul Travaglini |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Rahul Kachru |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Eric Rich |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Alexander Ciccone |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Carlton Tarpinian |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Martin Scafidi |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | John G Coyne Jr |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | John Casciano |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Robert Losi |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | John Lacroix |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | Anthony DeStefano |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | Joseph Tierney |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | Stephen Tassinari |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 147578 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 145151 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 143505 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 136473 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 8257 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 8146 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 7688 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 7663 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 7404 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 7303 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 6754 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 5567 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 5432 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 4772 |
| 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/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Business Banking Officer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Director of Lending |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Board member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | Board Member |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1924 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/FundraisingAmt | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 11 |
| IRS990/GovernmentGrantsAmt | 0 | 0 |
| IRS990/GrantAmt | 0 | 0 |
| IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 3753355 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 11 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 4 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 277433 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 277433 |
| IRS990/InitialReturnInd | 0 | X |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 57622 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 57622 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 344022 |
| IRS990/InterestGrp/TotalAmt | 0 | 344022 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 9630400 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 4138530 |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1429895 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 5923892 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 5815407 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 7245302 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembershipDuesAmt | 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 | 19670733 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 18395811 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 5876 |
| IRS990/NoncashContributionsAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 146647 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 146647 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 418778 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 418778 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1078499 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1171040 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 259630 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 259630 |
| IRS990/OtherExpensesGrp/Desc | 0 | ATM Costs |
| IRS990/OtherExpensesGrp/Desc | 1 | Provision for Loan Losses |
| IRS990/OtherExpensesGrp/Desc | 2 | Loan Services |
| IRS990/OtherExpensesGrp/Desc | 3 | Bank Charges - NCUSIF Expense |
| IRS990/OtherExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 1 | 0 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 2 | 0 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 3 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 3 | 0 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 300707 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 19283 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 134677 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 81239 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 300707 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 19283 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 134677 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 81239 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 85770736 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 99166633 |
| IRS990/OtherOrganizationDsc | 0 | State Chartered Credit Union |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 1266404 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1266404 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 69207565 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 80935214 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 191877 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 191877 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 245594 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 245594 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 740059 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 848166 |
| IRS990/PrincipalOfficerNm | 0 | Rahul Kachru |
| 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 | 3146252 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 174139 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 432964 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 3146252 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 174139 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 432964 |
| 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/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 2293024 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 4612455 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 111733 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2207698 |
| IRS990/PYTotalExpensesAmt | 0 | 4500722 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 4612455 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt | 0 | 0 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -1280798 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RelatedOrganizationsAmt | 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/RevenueAmt | 0 | 3753355 |
| IRS990/RoyaltiesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 19670733 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 18395811 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 18302922 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 23917685 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 3156986 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1283440 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 4440426 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 161573 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 145735 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 307308 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
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Displayed year
2020 • Form 990Detailed filing. Detailed filing data is available for this year.
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