Civic Intelligence

Naveo Credit Union

990 • Fiscal year 2019 • EIN 04-1144988

Jan 01, 2019 to Dec 31, 2019 • Filed on Oct 14, 2020

Organization Profilewww.naveo.org

View Organization Page

493 Somerville AvenueSomerville, MA 02143-3246

(617) 702-5128

Siviq Scores

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

Liabilities / Assets

89th percentile

0.92x

Higher debt load relative to assets than 89% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Liabilities / Revenue

89th percentile

21.75x

Higher debt load relative to revenue than 89% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Net Margin

74th percentile

19%

Higher net margin than 74% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Top Officer Pay

68th percentile

$248,952

Higher top officer pay than 68% of similar nonprofits.

Top officer pay equals 4.2% of source-year revenue.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Asset Growth

74th percentile

6.9%

Faster asset growth than 74% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Revenue Growth

64th percentile

10%

Faster revenue growth than 64% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets89th percentile

Assets

Up

$139,879,183

Up $9,012,144 (+6.9%) from 2018

Net Assets

Up

$11,788,790

Up $1,297,885 (+12%) from 2018

Liabilities

Up

$128,090,393

Up $7,714,259 (+6.4%) from 2018

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin74th percentile

Revenue

Up

$5,890,227

Up $552,387 (+10%) from 2018

Expenses

Up

$4,777,423

Up $332,477 (+7.5%) from 2018

Net Income

Up

$1,112,804

Up $219,910 (+25%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth74th percentile

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

$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

2019

Assets$139,879,183
Liabilities$128,090,393
Net Assets$11,788,790
Open 2019 Filing

Operations Trend

Revenue Growth64th percentile

Revenue, expenses, and net income across loaded years, with this 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

2019

Revenue$5,890,227
Expenses$4,777,423
Net Income$1,112,804
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 14, 2020
Return Version
2019v5.0
Gross Receipts
$5,890,227
Mission and Program Overview

Mission

Member Thrift & Service

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$82,038,844$87,267,189▲ $5,228,345
Savings and Temporary Cash Investments$27,590,247$25,910,776▼ $1,679,471
Investments in Publicly Traded Securities$12,736,529$15,981,241▲ $3,244,712
Rtn Earn Endowment Incm Other Fnds$10,490,905$11,788,790▲ $1,297,885
Receivables From Officers Etc$3,971,183$5,831,843▲ $1,860,660
Land, Buildings, and Equipment, Net$1,235,269$1,205,239▼ $30,030
Cash and Non-Interest-Bearing Accounts$1,124,882$766,925▼ $357,957
Prepaid Expenses and Deferred Charges$138,217$644,619▲ $506,402
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$130,867,039$139,879,183▲ $9,012,144
Other Assets Total$2,031,868$2,271,351▲ $239,483
Liabilities
Other Liabilities$119,226,449$127,390,321▲ $8,163,872
Accounts Payable and Accrued Expenses$1,149,685$700,072▼ $449,613
Total Liabilities$120,376,134$128,090,393▲ $7,714,259
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,490,905$11,788,790▲ $1,297,885
Total Liabilities and Net Assets / Fund Balance$130,867,039$139,879,183▲ $9,012,144

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$684,253$1,725,341$0
Other Land Buildings$0$0$0
Land$209,790-$0
Equipment$311,196$1,073,541$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay68th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rui F DomingosChief Executive OfficerFT$223,377$24,575$247,952
Albert PinhoVP LendingFT$144,172$5,767$149,939
Kevin GeorgeVP FinanceFT$105,482$4,219$109,701

Board Members and Trustees

NameTitle
Leontina ManciniChairperson of the Board
John C Feitor2nd Vice Chairman
Isaac M MachadoBoard Member
Manuel Da SilvaBoard Member
Maria SantosBoard Member
Catarina NogueiraDirector
Charles McCannonDirector
Charles MontemorDirector
Christopher AlphenDirector
Lindsay LuckeDirector
Sonja DaraiDirector
Paulo J FerreiraSecretary/Clerk
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,167,689
Investment Income
$911,340
Other Revenue
$811,198
All Other Contributions
$0
Change in Net Assets
$1,112,804
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,554,326
Other Expenses$1,823,730
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,595,313
Information Technology---$655,899
Current Officers, Directors, Trustees, and Key Employees---$508,592
Benefits to Members---$399,367
Occupancy---$281,419
Other Employee Benefits---$260,207
Other Expenses---$206,987
Depreciation Depletion---$167,786
Payroll Taxes---$127,481
Advertising---$122,667
Fees for Services Accounting---$83,890
Pension Plan Contributions---$62,733
Office Expenses---$58,688
Insurance---$37,141
Conferences and Meetings---$32,336
All Other Expenses---$12,762
Travel---$5,943
Fees for Services Legal---$5,792
Total Functional Expenses$0$0$0$4,777,423
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

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$3,971,183$5,831,843▲ $1,860,660
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member deposits$127,390,321
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
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, Part VI, Section A, Line 6

“The credit union is owned by its members who qualify for membership, and maintain a membership share account in good standing.”

Form 990, Part VI, Section A, Line 7A

“Members of the Board of Directors are all members in good standing that are nominated and elected by the general membership to perform their fiduciary obligations and role in the corporate governance function.”

Form 990, Part VI, Section A, Line 7B

“Decisions of the governing body are guided by the credit union by-laws which are reviewed annually and approved by vote at the annual meeting of the membership.”

Form 990, Part VI, Section B, Line 11B

“The Audit Committee reviews the 990 tax return.”

Form 990, Part VI, Section B, Line 15

“A compensation survey is done every two years and is referenced for all positions in the organization including all members of senior management.”

Form 990, Part VI, Section C, Line 19

“Financial statements are published monthly and posted in both branch locations. The annual results from operations are made available at the end of each fiscal year in the annual report which is published and distributed to the membership.”

Filing and Contact Details

Filer

Filer Name
Naveo Credit Union
EIN
04-1144988
Phone
6177025128
Address
493 Somerville Avenue, Somerville, MA 02143-3246
Doing Business As
Naveo Credit Union

Signing Officer

Name
Kevin George
Title
Vice President Finance
Phone
6177025128
Signed
2020-10-14

Organization Details

Principal Officer
Kevin George
Formed
1928
Legal Domicile
Ma
Voting Board Members
11
Independent Board Members
11
Employees
39
Volunteers
11
Raw XML AppendixShowing 400 of 547 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.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0Chief Executive Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt1VP Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt2VP Finance
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt42nd Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt5Secretary/Clerk
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Chairperson of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13Director
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt05890227
IRS990/GrossSalesOfInventoryAmt079173
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0655899
IRS990/InsuranceGrp/TotalAmt037141
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0911340
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0911340
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt012736529
IRS990/InvestmentsPubTradedSecGrp/EOYAmt015981241
IRS990/IRPDocumentCnt039
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02798882
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01235269
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01205239
IRS990/LandBldgEquipCostOrOtherBssAmt04004121
IRS990/LegalDomicileStateCd0MA
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembershipDuesAmt00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Member Thrift & Service
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt010490905
IRS990/NetAssetsOrFundBalancesEOYAmt011788790
IRS990/NetIncomeOrLossGrp/ExclusionAmt00
IRS990/NetIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt079173
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt079173
IRS990/NetIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0185081
IRS990/NoncashContributionsAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0281419
IRS990/OfficeExpensesGrp/TotalAmt058688
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02031868
IRS990/OtherAssetsTotalGrp/EOYAmt02271351
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0260207
IRS990/OtherExpensesGrp/Desc0Lending and collection expense
IRS990/OtherExpensesGrp/Desc1Dues and subscriptions
IRS990/OtherExpensesGrp/Desc2Provision for loan loss
IRS990/OtherExpensesGrp/Desc3Professional fees
IRS990/OtherExpensesGrp/TotalAmt079329
IRS990/OtherExpensesGrp/TotalAmt124994
IRS990/OtherExpensesGrp/TotalAmt248097
IRS990/OtherExpensesGrp/TotalAmt3206987
IRS990/OtherLiabilitiesGrp/BOYAmt0119226449
IRS990/OtherLiabilitiesGrp/EOYAmt0127390321
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt01595313
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt082038844
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt087267189
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0127481
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt062733
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0138217
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0644619
IRS990/PrincipalOfficerNm0Kevin George
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0299523
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0802777
IRS990/PYOtherExpensesAmt01850448
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt04535063
IRS990/PYRevenuesLessExpensesAmt0892894
IRS990/PYSalariesCompEmpBnftPaidAmt02294975
IRS990/PYTotalExpensesAmt04444946
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05337840
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt03971183
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt05831843
IRS990/ReconcilationRevenueExpnssAmt01112804
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RelatedOrganizationsAmt00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt05907658
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt0732025
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt0732025
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt010490905
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt011788790
IRS990/SavingsAndTempCashInvstGrp/BOYAmt027590247
IRS990/SavingsAndTempCashInvstGrp/EOYAmt025910776
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0684253
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01725341
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt02409594
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0311196
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01073541
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt01384737
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0209790
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0209790
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0127390321
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01205239
IRS990ScheduleD/TotalLiabilityAmt0127390321
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/DiscretionarySpendingAcctInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0223377
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount015000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt0248560
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt09575
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Rui F Domingos
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0Chief Executive Officer
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0247952
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0The Credit Union has a written policy approved by the Board of Directors that specifically allows for the CEO to be accompanied by his wife on two official business trips per calendar year.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1A annual compensation survey is referenced for all positions in the organization including all members of senior management.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule J, Part I, Line 1a
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1Schedule J, Part I, Line 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/TravelForCompanionsInd0X

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$139,879,183
Liabilities
$128,090,393
Net assets
$11,788,790
Revenue
$5,890,227
Expenses
$4,777,423
Net income
$1,112,804
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
2019Detailed filing. Detailed filing data is available for this year.$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