Liabilities / Assets
26th percentile
Higher debt load relative to assets than 26% of similar nonprofits.
990 • Fiscal year 2024 • EIN 04-1106850
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
26th percentile
Higher debt load relative to assets than 26% of similar nonprofits.
Liabilities / Revenue
84th percentile
Higher debt load relative to revenue than 84% of similar nonprofits.
Net Margin
36th percentile
Higher net margin than 36% of similar nonprofits.
Top Officer Pay
88th percentile
Higher top officer pay than 88% of similar nonprofits.
Top officer pay equals 5.9% of source-year revenue.
Asset Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Assets
Up$129,146,678
Up $11,170,114 (+9.5%) from 2020
Net Assets
Down$16,972,968
Down $1,422,843 (-7.7%) from 2020
Liabilities
Up$112,173,710
Up $12,592,957 (+13%) from 2020
Revenue
Up$6,183,455
Up $2,430,100 (+65%) from 2020
Expenses
Up$5,667,423
Up $633,270 (+13%) from 2020
Net Income
Up$516,032
Up $1,796,830 (+140%) from 2020
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
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $87,268,632 | $89,076,020 | ▲ $1,807,388 |
| Rtn Earn Endowment Incm Other Fnds | $16,283,348 | $16,972,968 | ▲ $689,620 |
| Savings and Temporary Cash Investments | $11,016,609 | $14,657,868 | ▲ $3,641,259 |
| Investments Other Securities | $10,245,863 | $11,764,765 | ▲ $1,518,902 |
| Land, Buildings, and Equipment, Net | $5,644,995 | $5,682,585 | ▲ $37,590 |
| Cash and Non-Interest-Bearing Accounts | $3,092,301 | $5,207,480 | ▲ $2,115,179 |
| Prepaid Expenses and Deferred Charges | $249,682 | $845,858 | ▲ $596,176 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $119,491,062 | $129,146,678 | ▲ $9,655,616 |
| Other Assets Total | $1,972,980 | $1,912,102 | ▼ $60,878 |
| Liabilities | |||
| Other Liabilities | $102,964,758 | $112,350,050 | ▲ $9,385,292 |
| Accounts Payable and Accrued Expenses | $242,956 | $-176,340 | ▼ $419,296 |
| Total Liabilities | $103,207,714 | $112,173,710 | ▲ $8,965,996 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $16,283,348 | $16,972,968 | ▲ $689,620 |
| Total Liabilities and Net Assets / Fund Balance | $119,491,062 | $129,146,678 | ▲ $9,655,616 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $2,716,368 | - | $2,716,368 |
| Land | $2,492,128 | - | $2,492,128 |
| Equipment | $329,776 | - | $329,776 |
| Leasehold Improvements | $127,747 | - | $127,747 |
| Other Land Buildings | $16,566 | - | $16,566 |
| Other Securities | $11,764,765 | - | - |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Anthony Paciulli | President | FT | $301,755 | $60,000 | $361,755 |
| Yarlin Delarosa | CFO | FT | $96,306 | - | $96,306 |
| Sanjana Kumar | VP of Operations | FT | $81,578 | - | $81,578 |
| John Casciano | Director | - | $10,719 | - | $10,719 |
| Carleton G Tarpinian | Director | - | $9,957 | - | $9,957 |
| Martin Scafidi | Director | - | $9,791 | - | $9,791 |
| Aisha Milbury Ellis | Director | - | $9,772 | - | $9,772 |
| Robert Losi | Director | - | $8,837 | - | $8,837 |
| Maria Valentini-brito | Director | - | $8,507 | - | $8,507 |
| Joseph Tierney | Director | - | $7,296 | - | $7,296 |
| Anthony Destefano | Director | - | $6,547 | - | $6,547 |
| John M Powers | Director | - | $4,573 | - | $4,573 |
| Line Item | Amount |
|---|---|
| Other Expenses | $3,098,968 |
| Salaries, Compensation, and Employee Benefits | $2,492,457 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,440,164 |
| Interest | - | - | - | $1,039,179 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $615,638 |
| Depreciation Depletion | - | - | - | $312,408 |
| Fees for Services Other | - | - | - | $248,463 |
| Occupancy | - | - | - | $227,183 |
| Payroll Taxes | - | - | - | $209,970 |
| Office Expenses | - | - | - | $203,676 |
| Other Employee Benefits | - | - | - | $165,114 |
| Fees for Services Accounting | - | - | - | $107,384 |
| Advertising | - | - | - | $81,988 |
| Benefits to Members | - | - | - | $75,998 |
| Pension Plan Contributions | - | - | - | $61,571 |
| Insurance | - | - | - | $43,710 |
| Travel | - | - | - | $14,223 |
| Fees for Services Legal | - | - | - | $7,703 |
| Information Technology | - | - | - | $596 |
| Other Expenses | - | - | - | $-13,736 |
| Total Functional Expenses | $0 | $0 | $0 | $5,667,423 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| MEMBERS' SHARE & SAVINGS ACCOUNTS | $112,350,050 |
“The organization is made up of members who pay $5.00 to open an account with the credit union. .”
“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.”
“The form is prepared by an independent cpa firm and reviewed by the cfo and president before filing with 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 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 by an independent firm that looks at other financial institutions and comes up with comparative salaries.”
“The credit union's by-laws, code of ethics, conflict of interest policy, etc. Are available for inspection at the credit union's annual meeting or available at anytime upon a member's request. The credit union's privacy policy is mailed to each member, annually.”
“The process has not changed from the prior year”
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 | 242956 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | -176340 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | MAINTENANCE OF MEMBER SHARE AND DEPOSIT ACCOUNTS AND THE PAYMENT OF INTEREST |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 81988 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 75998 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | YARILIN DELAROSA |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6178014216 |
| 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 | 3092301 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 5207480 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 615638 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 1 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 75998 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 1373587 |
| IRS990/CYOtherExpensesAmt | 0 | 3098968 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 4809868 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 516032 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 2492457 |
| IRS990/CYTotalExpensesAmt | 0 | 5667423 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 6183455 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 312408 |
| 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. BY THE END OF 2024 WE HAD 11,158 MEMBER DEPOSIT ACCOUNTS WITH A BALANCE OF APPROXIMATELY $112,000,000 AND 1,252 LOANS WITH A VALUE OF APPROXIMATELY $89,000,000. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 36 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/ExpenseAmt | 0 | 5667423 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 107384 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 7703 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 248463 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 40.00 |
| 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/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | 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 | AISHA MILBURY ELLIS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | ANTHONY DESTEFANO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | CARLETON G TARPINIAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | MARIA VALENTINI-BRITO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | JOHN CASCIANO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | JOSEPH TIERNEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | ROBERT LOSI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | MARTIN SCAFIDI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | JOHN M POWERS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | ANTHONY PACIULLI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | YARLIN DELAROSA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | SANJANA KUMAR |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 9772 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 6547 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 9957 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 8507 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 10719 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 7296 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 8837 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 9791 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 4573 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 361755 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 96306 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 81578 |
| 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 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | VP OF OPERATIONS |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/FormationYr | 0 | 1924 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 6183455 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 596 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 43710 |
| IRS990/InterestGrp/TotalAmt | 0 | 1039179 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1373587 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1373587 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 10245863 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 11764765 |
| IRS990/IRPDocumentCnt | 0 | 1340 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 5644995 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 5682585 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 5682585 |
| 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 THE 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 | 16283348 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 16972968 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 173588 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 227183 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 203676 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1972980 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1912102 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 165114 |
| IRS990/OtherExpensesGrp/Desc | 0 | EQUIPMENT EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 1 | DATA PROCESSING |
| IRS990/OtherExpensesGrp/Desc | 2 | OTHER EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 3 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 398553 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 219613 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 208025 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | -13736 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 102964758 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 112350050 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1440164 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 87268632 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 89076020 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 209970 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 61571 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 249682 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 845858 |
| IRS990/PrincipalOfficerNm | 0 | ANTHONY PACIULLI |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 523000 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522291 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | MEMBERS' INTEREST |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | MEMBERS' FEES & OTHER |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER PROGRAM REVENUE |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | MORTGAGE BANKING ACTIV |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4152717 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 596500 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 32896 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 27755 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 4152717 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 596500 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 32896 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 27755 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 74655 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 885604 |
| IRS990/PYOtherExpensesAmt | 0 | 2574239 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 4708009 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 287311 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2657408 |
| IRS990/PYTotalExpensesAmt | 0 | 5306302 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 5593613 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 516032 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 16283348 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 16972968 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 11016609 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 14657868 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 2716368 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 2716368 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 329776 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 329776 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 2492128 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 2492128 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 127747 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 127747 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 16566 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 16566 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 112350050 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBERS' SHARE & SAVINGS ACCOUNTS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 11764765 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | OTHER INVESTMENTS |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | F |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 5682585 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 11764765 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 112350050 |
| IRS990ScheduleJ/ClubDuesOrFeesInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 301755 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 60000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | ANTHONY PACIULLI |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 361755 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SubstantiationRequiredInd | 0 | 1 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd | 0 | 1 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE ORGANIZATION IS MADE UP OF MEMBERS WHO PAY $5.00 TO OPEN AN ACCOUNT WITH THE CREDIT UNION. . |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | 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 | THE FORM IS PREPARED BY AN INDEPENDENT CPA FIRM AND REVIEWED BY THE CFO AND PRESIDENT BEFORE FILING WITH 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 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 BY AN INDEPENDENT FIRM THAT LOOKS AT OTHER FINANCIAL INSTITUTIONS AND COMES UP WITH COMPARATIVE SALARIES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE CREDIT UNION'S BY-LAWS, CODE OF ETHICS, CONFLICT OF INTEREST POLICY, ETC. ARE AVAILABLE FOR INSPECTION AT THE CREDIT UNION'S ANNUAL MEETING OR AVAILABLE AT ANYTIME UPON A MEMBER'S REQUEST. THE CREDIT UNION'S PRIVACY POLICY IS MAILED TO EACH MEMBER, ANNUALLY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR |
| 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 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | PART XII, LINE 2 EXPLANATION |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 119491062 |
| IRS990/TotalAssetsEOYAmt | 0 | 129146678 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 119491062 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 129146678 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 1 |
| IRS990/TotalEmployeeCnt | 0 | 36 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 5667423 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 103207714 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 112173710 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 103207714 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 112173710 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 16283348 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 16972968 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 5667423 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 4809868 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 615638 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 6183455 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 6183455 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 0 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 119491062 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 129146678 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 14223 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 0 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 100 SWIFT STREET |
| IRS990/USAddress/CityNm | 0 | EAST BOSTON |
| IRS990/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990/USAddress/ZIPCd | 0 | 02128 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 9 |
| IRS990/VotingMembersIndependentCnt | 0 | 9 |
| IRS990/WebsiteAddressTxt | 0 | WWW.FIRSTPRIORITYCU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | 1 |
| ReasonableCauseExplanation/ExplanationTxt | 0 | THE ORGANIZATION IS REQUESTING LATE FILING PENALTY ABATEMENT DUE TO THE FOLLOWING CIRCUMSTANCES. THE ORGANIZATION ATTEMPTED TO FILE FORM 990 THROUGH THE TAX PREPARER'S SOFTWARE BUT THE E-FILED RETURN WAS REJECTED ON NOVEMBER 12TH BECAUSE THE "TAX-EXEMPT STATUS SPECIFIED IN ITEM I, MUST MATCH DATA IN THE EFILE DATABASE." THE ORGANIZATION'S TAX PREPARER SUBSEQUENTLY CALLED THE IRS AT 866-255-0654 TO RESOLVE THE IRS DATABASE ISSUE ON NOVEMBER 13TH, THE DAY AFTER THE E-FILE REJECTION. THE IRS RESOLVED THE EFILE DATABASE ERROR ON DECEMBER 16TH FINDING THAT THE ORGANIZATION HAD INADVERTENTLY BEEN LISTED IN THE EFILE DATABASE AS A 501(C)(4) ORGANIZATION INSTEAD OF AS A 501(C)(14) ORGANIZATION. SINCE THIS RESOLUTION OCCURRED LATER THAN 10 DAYS AFTER THE ORIGINAL E-FILE SUBMISSION, THE FORM 990 IS CONSIDERED FILED LATE. ACCORDINGLY, THE ORGANIZATION IS REQUESTING REASONABLE CAUSE PENALTY ABATEMENT. |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | ANTHONY PACIULLI |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 6174824787 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-12-16 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | FIRST PRIORITY CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | FIRS |
| ReturnHeader/Filer/EIN | 0 | 041106850 |
| ReturnHeader/Filer/PhoneNum | 0 | 6174824787 |
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Displayed year
2024 • Form 990Detailed filing. Detailed filing data is available for this year.
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