Civic Intelligence

Naveo Credit Union

EIN 04-1144988 • 501(c)14 • Somerville, MA

View Organization Page

Profile

Member Thrift & Service

493 Somerville AvenueSomerville, MA 02143

www.naveo.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

99th percentile

0.95x

Higher debt load relative to assets than 99% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

90th percentile

20.21x

Higher debt load relative to revenue than 90% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

10th percentile

1.1%

Higher net margin than 10% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

95th percentile

$512,858

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 6.4% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

30th percentile

0.6%

Faster asset growth than 30% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

72nd percentile

18%

Faster revenue growth than 72% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$171,284,500

Up $978,888 (+0.6%) from 2023

Liabilities

Down

$162,727,120

Down $128,713 (-0.1%) from 2023

Net Assets

Up

$8,557,380

Up $1,107,601 (+15%) from 2023

Operations
Liabilities / Revenue90th percentileNet Margin10th percentile

Revenue

Up

$8,053,625

Up $1,243,993 (+18%) from 2023

Expenses

Up

$7,968,830

Up $1,418,928 (+22%) from 2023

Net Income

Down

$84,795

Down $174,935 (-67%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth30th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200M$150M$100M$50M$0Assets 2010: $91,300,694Liabilities 2010: $83,167,000Net Assets 2010: $8,133,6942010Assets 2011: $94,857,636Liabilities 2011: $86,243,448Net Assets 2011: $8,614,1882011Assets 2012: $102,199,216Liabilities 2012: $93,019,134Net Assets 2012: $9,180,0822012Assets 2013: $112,129,787Liabilities 2013: $103,741,225Net Assets 2013: $8,388,5622013Assets 2014: $112,644,020Liabilities 2014: $103,703,055Net Assets 2014: $8,940,9652014Assets 2015: $117,906,777Liabilities 2015: $108,740,023Net Assets 2015: $9,166,7542015Assets 2016: $122,698,833Liabilities 2016: $113,354,888Net Assets 2016: $9,343,9452016Assets 2017: $126,217,438Liabilities 2017: $116,490,146Net Assets 2017: $9,727,2922017Assets 2018: $130,867,039Liabilities 2018: $120,376,134Net Assets 2018: $10,490,9052018Assets 2019: $139,879,183Liabilities 2019: $128,090,393Net Assets 2019: $11,788,7902019Assets 2020: $162,064,758Liabilities 2020: $148,380,907Net Assets 2020: $13,683,8512020Assets 2021: $178,250,990Liabilities 2021: $165,439,097Net Assets 2021: $12,811,8932021Assets 2022: $168,948,495Liabilities 2022: $163,130,050Net Assets 2022: $5,818,4452022Assets 2023: $170,305,612Liabilities 2023: $162,855,833Net Assets 2023: $7,449,7792023Assets 2024: $171,284,500Liabilities 2024: $162,727,120Net Assets 2024: $8,557,3802024

Highlighted filing

2024

Assets$171,284,500
Liabilities$162,727,120
Net Assets$8,557,380
Open 2024 Filing

Operations Trend

Revenue Growth72nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$10M$5.0M$0Expenses 2010: $4,625,8542010Expenses 2011: $4,257,9732011Expenses 2012: $4,327,9082012Revenue 2013: $4,176,781Expenses 2013: $4,117,650Net Income 2013: $59,1312013Revenue 2014: $4,088,522Expenses 2014: $3,952,109Net Income 2014: $136,4132014Revenue 2015: $4,279,202Expenses 2015: $3,904,005Net Income 2015: $375,1972015Revenue 2016: $4,434,283Expenses 2016: $4,107,106Net Income 2016: $327,1772016Revenue 2017: $4,756,007Expenses 2017: $4,338,110Net Income 2017: $417,8972017Revenue 2018: $5,337,840Expenses 2018: $4,444,946Net Income 2018: $892,8942018Revenue 2019: $5,890,227Expenses 2019: $4,777,423Net Income 2019: $1,112,8042019Revenue 2020: $6,679,739Expenses 2020: $5,059,453Net Income 2020: $1,620,2862020Revenue 2021: $5,441,719Expenses 2021: $4,994,317Net Income 2021: $447,4022021Revenue 2022: $5,538,258Expenses 2022: $5,370,125Net Income 2022: $168,1332022Revenue 2023: $6,809,632Expenses 2023: $6,549,902Net Income 2023: $259,7302023Revenue 2024: $8,053,625Expenses 2024: $7,968,830Net Income 2024: $84,7952024

Highlighted filing

2024

Revenue$8,053,625
Expenses$7,968,830
Net Income$84,795
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$171,284,500
Liabilities
$162,727,120
Net assets
$8,557,380
Revenue
$8,053,625
Expenses
$7,968,830
Net income
$84,795
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$171$163$8.56$8.05$7.97$0.08
2023Detailed filing. Detailed filing data is available for this year.$170$163$7.45$6.81$6.55$0.26
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$169$163$5.82$5.54$5.37$0.17
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$178$165$12.8$5.44$4.99$0.45
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$162$148$13.7$6.68$5.06$1.62
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$140$128$11.8$5.89$4.78$1.11
2018Detailed filing. Detailed filing data is available for this year.$131$120$10.5$5.34$4.44$0.89
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$126$116$9.73$4.76$4.34$0.42
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$123$113$9.34$4.43$4.11$0.33
2015Detailed filing. Detailed filing data is available for this year.$118$109$9.17$4.28$3.90$0.38
2014Summary only. Only limited summary data is available for this year.$113$104$8.94$4.09$3.95$0.14
2013Detailed filing. Detailed filing data is available for this year.$112$104$8.39$4.18$4.12$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$102$93.0$9.18$4.33
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$94.9$86.2$8.61$4.26
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$91.3$83.2$8.13$4.63
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 13, 2025
Return Version
2024v5.0
Gross Receipts
$8,053,625
Mission and Program Overview

Mission

Member Thrift & Service

Member thrift and service

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$107,775,957$105,515,815▼ $2,260,142
Investments in Publicly Traded Securities$49,743,464$53,328,079▲ $3,584,615
Rtn Earn Endowment Incm Other Fnds$7,449,779$8,557,380▲ $1,107,601
Savings and Temporary Cash Investments$3,371,080$5,012,953▲ $1,641,873
Investments Other Securities$4,464,000$2,481,000▼ $1,983,000
Land, Buildings, and Equipment, Net$1,540,873$1,437,007▼ $103,866
Cash and Non-Interest-Bearing Accounts$788,782$638,434▼ $150,348
Prepaid Expenses and Deferred Charges$217,846$273,853▲ $56,007
Accounts Receivable$47,523$12,481▼ $35,042
Total Assets$170,305,612$171,284,500▲ $978,888
Other Assets Total$2,356,087$2,584,878▲ $228,791
Liabilities
Other Liabilities$159,375,315$153,175,977▼ $6,199,338
Accounts Payable and Accrued Expenses$2,908,768$8,942,891▲ $6,034,123
Escrow Account Liability$571,750$608,252▲ $36,502
Total Liabilities$162,855,833$162,727,120▼ $128,713
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,449,779$8,557,380▲ $1,107,601
Total Liabilities and Net Assets / Fund Balance$170,305,612$171,284,500▲ $978,888

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$1,016,470$1,596,869$2,613,339
Equipment$167,500$866,453$1,033,953
Other Land Buildings$43,247$759,374$802,621
Buildings-$430,567$430,567
Land$209,790-$209,790
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Andrea WhitePresident/ceFT$496,828$16,030$512,858
Andrea WhitePresident/CEO-$484,228$28,630$512,858
Karen YeeSVP/chief LeFT$190,542$18,762$209,304
Karen YeeSVP/chief Lending-$183,667$25,637$209,304
Brenda TamCFOFT$189,820$19,226$209,046
Jamie LevineVP Human ResFT$141,805$19,553$161,358
Jamie LevineVP Human Resources-$137,146$24,212$161,358
Michael DwyerVP of OperatFT$121,368$22,569$143,937
Ana SantosAvp of LendiFT$107,995$5,353$113,348

Board Members and Trustees

NameTitle
Leontina ManciniChairperson
Isaac MachadoVice Chairpe
Jason AlvesDirector
Jennifer LawrenceDirector
Manuel Da SilvaDirector
Mario G Brum IiDirector
Paul FerreiraSecretary
Charles MontemorTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Connecticut Online Computer CtrData Processing100 EXECUTIVE BLVD, Southington, CT 06489$731,827
Harvard Pilgrim HealthcareHealth Insuranc1 WELLNESS WAY, Canton, MA 02021$318,902
Upstart Network INCLending ServicePO BOX 1503, San Carlos, CA 94070$154,786
Allied Solutions LLCLiab Insurance350 VETERANS WAY, Carmel, IN 46032$147,261
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,143,144
Investment Income
$1,188,556
Other Revenue
$721,925
Change in Net Assets
$84,795
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,366,943
Salaries, Compensation, and Employee Benefits$3,595,887
Grants and Similar Amounts Paid$6,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$2,018,717
Other Salaries and Wages---$1,838,492
Current Officers, Directors, Trustees, and Key Employees---$989,578
Information Technology---$662,580
Other Employee Benefits---$554,130
Occupancy---$298,289
Office Expenses---$198,403
Depreciation Depletion---$189,178
Fees for Services Accounting---$166,187
Payroll Taxes---$162,029
All Other Expenses---$110,199
Pension Plan Contributions---$51,658
Other Expenses---$50,130
Insurance---$47,261
Advertising---$37,347
Fees for Services Legal---$9,338
Grants to Domestic Individuals---$6,000
Conferences and Meetings---$5,584
Total Functional Expenses$0$0$0$7,968,830
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Paul FerreiraDirectorPrintingNo$9,729
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deposits Accounts$153,175,977
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
Yes
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by its members.”

Form 990, Page 6, Part VI, Line 7A

“Credit union members elect their volunteer board of directors who are also members of the credit union. One member, one vote.”

Form 990, Page 6, Part VI, Line 7B

“Any major changes to the credit union's by-laws must be approved by the membership.”

Form 990, Page 6, Part VI, Line 11B

“The cfo reviews the 990 return prior to filing.”

Form 990, Page 6, Part VI, Line 15A

“Personnel committee votes on ceo compensation as determined by compensation studies and other employment data.”

Form 990, Page 6, Part VI, Line 19

“The credit union's bylaws are available upon request. Financial statements are posted in the credit union's main lobby and are available upon request. They can also be viewed on ncua's website.”

Filing and Contact Details

Filer

Filer Name
Naveo Credit Union
EIN
04-1144988
Phone
6177025128
Address
493 SOMERVILLE AVENUE, SOMERVILLE, MA 02143

Signing Officer

Name
Brenda Tam
Title
CFO
Phone
6177025128
Signed
2025-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Andrea White
Formed
1928
Legal Domicile
Ma
Voting Board Members
9
Independent Board Members
8
Employees
47
Volunteers
8

Preparer

Firm
Mystic Accounting Group Llp
Address
PO BOX 397, MYSTIC, CT 06355
Preparer
Theodoros Poulopoulos
Phone
8605361040
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“The promotion of thrift among its members by the accumulation of their savings and the loaning of such savings back to its members at a moderate rate of interest. Participation in the credit union is limited to those individuals who qualify for membership. The field of membership is defined in the credit union's bylaws with a significant concentration of members residing in somerville and cambridge, massachusetts and surrounding communities.”

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“Mortgage escrow accounts held for the payment of real estate taxes for municipalities.”

Schedule D, Page 3, Part X

“The credit union follows fasb accounting standards codification 740-10, accounting for uncertainties in income taxes, and has evaluated its tax postitions taken for all open years and has determined that there are no uncertain tax positions that qualify for either recognition or disclosure.”

Raw XML AppendixShowing 400 of 493 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
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IRS990/AccountsReceivableGrp/EOYAmt012481
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0MEMBER THRIFT AND SERVICE
IRS990/AdvertisingGrp/TotalAmt037347
IRS990/AllOtherExpensesGrp/TotalAmt0110199
IRS990/AnnualDisclosureCoveredPrsnInd0false
IRS990/BooksInCareOfDetail/PersonNm0BRENDA TAM
IRS990/BooksInCareOfDetail/PhoneNum06177025128
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0493 SOMERVILLE AVENUE
IRS990/BooksInCareOfDetail/USAddress/CityNm0SOMERVILLE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd002143
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0true
IRS990/CashNonInterestBearingGrp/BOYAmt0788782
IRS990/CashNonInterestBearingGrp/EOYAmt0638434
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt04
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0989578
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt05584
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0731827
IRS990/ContractorCompensationGrp/CompensationAmt1318902
IRS990/ContractorCompensationGrp/CompensationAmt2154786
IRS990/ContractorCompensationGrp/CompensationAmt3147261
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0100 EXECUTIVE BLVD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt11 WELLNESS WAY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2PO BOX 1503
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt3350 VETERANS WAY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0SOUTHINGTON
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2SAN CARLOS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3CARMEL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0CT
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1MA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3IN
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd006489
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd294070
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd346032
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0CONNECTICUT ONLINE COMPUTER CTR
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1HARVARD PILGRIM HEALTHCARE
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2UPSTART NETWORK INC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3ALLIED SOLUTIONS LLC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine2Txt0COCC
IRS990/ContractorCompensationGrp/ServicesDesc0DATA PROCESSING
IRS990/ContractorCompensationGrp/ServicesDesc1HEALTH INSURANC
IRS990/ContractorCompensationGrp/ServicesDesc2LENDING SERVICE
IRS990/ContractorCompensationGrp/ServicesDesc3LIAB INSURANCE
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt06000
IRS990/CYInvestmentIncomeAmt01188556
IRS990/CYOtherExpensesAmt04366943
IRS990/CYOtherRevenueAmt0721925
IRS990/CYProgramServiceRevenueAmt06143144
IRS990/CYRevenuesLessExpensesAmt084795
IRS990/CYSalariesCompEmpBnftPaidAmt03595887
IRS990/CYTotalExpensesAmt07968830
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt08053625
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0189178
IRS990/Desc0MAINTENANCE OF MEMBER SHARE AND DEPOSIT ACCOUNTS, AND THE PAYMENT OF DIVIDENDS THEREON WITH THE PURPOSE OF LENDING TO MEMBERS AT COMPETITIVE INTEREST RATES. TOTAL NUMBER OF DEPOSIT ACCOUNTS WERE 13,145 AND TOTAL NUMBER OF LOAN ACCOUNTS WERE 1,710.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt047
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EscrowAccountLiabilityGrp/BOYAmt0571750
IRS990/EscrowAccountLiabilityGrp/EOYAmt0608252
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt0166187
IRS990/FeesForServicesLegalGrp/TotalAmt09338
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/PersonNm0ANDREA WHITE
IRS990/Form990PartVIISectionAGrp/PersonNm1KAREN YEE
IRS990/Form990PartVIISectionAGrp/PersonNm2BRENDA TAM
IRS990/Form990PartVIISectionAGrp/PersonNm3JAMIE LEVINE
IRS990/Form990PartVIISectionAGrp/PersonNm4MICHAEL DWYER
IRS990/Form990PartVIISectionAGrp/PersonNm5ANA SANTOS
IRS990/Form990PartVIISectionAGrp/PersonNm6JASON ALVES
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IRS990/Form990PartVIISectionAGrp/PersonNm8MARIO G BRUM II
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IRS990/Form990PartVIISectionAGrp/PersonNm11LEONTINA MANCINI
IRS990/Form990PartVIISectionAGrp/PersonNm12CHARLES MONTEMOR
IRS990/Form990PartVIISectionAGrp/PersonNm13MANUEL DA SILVA
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IRS990/MissionDesc0THE PROMOTION OF THRIFT AMONG ITS MEMBERS BY THE ACCUMULATION OF THEIR SAVINGS AND THE LOANING OF SUCH SAVINGS BACK TO ITS MEMBERS AT A MODERATE RATE OF INTEREST. PARTICIPATION IN THE CREDIT UNION IS LIMITED TO THOSE INDIVIDUALS WHO QUALIFY FOR MEMBERSHIP. THE FIELD OF MEMBERSHIP IS DEFINED IN THE CREDIT UNION'S BYLAWS WITH A SIGNIFICANT CONCENTRATION OF MEMBERS RESIDING IN SOMERVILLE AND CAMBRIDGE, MASSACHUSETTS AND SURROUNDING COMMUNITIES.
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MORTGAGE ESCROW ACCOUNTS HELD FOR THE PAYMENT OF REAL ESTATE TAXES FOR MUNICIPALITIES.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION FOLLOWS FASB ACCOUNTING STANDARDS CODIFICATION 740-10, ACCOUNTING FOR UNCERTAINTIES IN INCOME TAXES, AND HAS EVALUATED ITS TAX POSTITIONS TAKEN FOR ALL OPEN YEARS AND HAS DETERMINED THAT THERE ARE NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0MANAGEMENT TEAM AND BOARD OF DIRECTORS REVIEW EACH APPLICATION CAREFULLY AND MONITOR GRANT PROCESS CLOSELY TO ENSURE THAT EXPENDITURES ARE APPROPRIATE.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE I, PAGE 1, PART I, LINE 2
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3JAMIE LEVINE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3VP HUMAN RESOURCES
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IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt0OFFICER AND DIRECTOR LOANS: SOME OF THE OFFICERS AND DIRECTORS HAVE LOANS OUTSTANDING WITH THE CREDIT UNION. THESE LOANS WERE OBTAINED IN THE NORMAL COURSE OF BUSINESS OF THE CREDIT UNION WITH THE SAME TERMS AND CONDITIONS AVAILABLE TO ALL MEMBERS.

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