Civic Intelligence

Allcom Credit Union

EIN 04-1163260 • 501(c)14 • Worcester, MA

View Organization Page

Profile

The credit union accepts deposits and grants loans to its members. Benefits paid are dividends on deposit accounts.

36 Park AvenueWorcester, MA 01609

www.allcomcu.org

Siviq Scores

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

Liabilities / Assets

23rd percentile

0.85x

Higher debt load relative to assets than 23% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

62nd percentile

18.11x

Higher debt load relative to revenue than 62% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

56th percentile

13%

Higher net margin than 56% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

51st percentile

0.4%

Faster asset growth than 51% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

52nd percentile

13%

Faster revenue growth than 52% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets23rd percentile

Assets

Up

$78,978,570

Up $275,648 (+0.4%) from 2023

Liabilities

Down

$66,868,943

Down $377,458 (-0.6%) from 2023

Net Assets

Up

$12,109,627

Up $653,106 (+5.7%) from 2023

Operations
Liabilities / Revenue62nd percentileNet Margin56th percentile

Revenue

Up

$3,691,561

Up $421,225 (+13%) from 2023

Expenses

Up

$3,195,774

Up $510,298 (+19%) from 2023

Net Income

Down

$495,787

Down $89,073 (-15%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth51st percentile

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

$100M$50M$0Assets 2010: $56,086,757Liabilities 2010: $48,327,884Net Assets 2010: $7,758,8732010Assets 2011: $56,685,958Liabilities 2011: $48,683,911Net Assets 2011: $8,002,0472011Assets 2012: $57,677,566Liabilities 2012: $49,369,185Net Assets 2012: $8,308,3812012Assets 2013: $67,363,876Liabilities 2013: $57,598,937Net Assets 2013: $9,764,9392013Assets 2014: $66,173,984Liabilities 2014: $56,209,942Net Assets 2014: $9,964,0422014Assets 2015: $68,255,324Liabilities 2015: $57,985,033Net Assets 2015: $10,270,2912015Assets 2016: $67,165,927Liabilities 2016: $56,670,264Net Assets 2016: $10,495,6632016Assets 2017: $68,126,511Liabilities 2017: $57,392,401Net Assets 2017: $10,734,1102017Assets 2018: $66,251,837Liabilities 2018: $55,140,672Net Assets 2018: $11,111,1652018Assets 2019: $66,975,105Liabilities 2019: $55,541,211Net Assets 2019: $11,433,8942019Assets 2020: $75,546,777Liabilities 2020: $63,960,749Net Assets 2020: $11,586,0282020Assets 2021: $80,578,432Liabilities 2021: $69,120,293Net Assets 2021: $11,458,1392021Assets 2022: $79,689,682Liabilities 2022: $69,214,340Net Assets 2022: $10,475,3422022Assets 2023: $78,702,922Liabilities 2023: $67,246,401Net Assets 2023: $11,456,5212023Assets 2024: $78,978,570Liabilities 2024: $66,868,943Net Assets 2024: $12,109,6272024

Highlighted filing

2024

Assets$78,978,570
Liabilities$66,868,943
Net Assets$12,109,627
Open 2024 Filing

Operations Trend

Revenue Growth52nd percentile

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $2,466,8052010Expenses 2011: $2,368,7442011Revenue 2012: $2,420,845Expenses 2012: $2,163,132Net Income 2012: $257,7132012Revenue 2013: $2,307,887Expenses 2013: $2,228,839Net Income 2013: $79,0482013Revenue 2014: $2,310,804Expenses 2014: $2,130,629Net Income 2014: $180,1752014Revenue 2015: $2,447,056Expenses 2015: $2,079,615Net Income 2015: $367,4412015Revenue 2016: $2,369,960Expenses 2016: $2,117,445Net Income 2016: $252,5152016Revenue 2017: $2,459,337Expenses 2017: $2,188,362Net Income 2017: $270,9752017Revenue 2018: $2,586,783Expenses 2018: $2,183,694Net Income 2018: $403,0892018Revenue 2019: $2,732,277Expenses 2019: $2,478,191Net Income 2019: $254,0862019Revenue 2020: $2,605,109Expenses 2020: $2,504,435Net Income 2020: $100,6742020Revenue 2021: $2,507,400Expenses 2021: $2,399,685Net Income 2021: $107,7152021Revenue 2022: $2,581,253Expenses 2022: $2,267,125Net Income 2022: $314,1282022Revenue 2023: $3,270,336Expenses 2023: $2,685,476Net Income 2023: $584,8602023Revenue 2024: $3,691,561Expenses 2024: $3,195,774Net Income 2024: $495,7872024

Highlighted filing

2024

Revenue$3,691,561
Expenses$3,195,774
Net Income$495,787
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
$78,978,570
Liabilities
$66,868,943
Net assets
$12,109,627
Revenue
$3,691,561
Expenses
$3,195,774
Net income
$495,787
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$79.0$66.9$12.1$3.69$3.20$0.50
2023Detailed filing. Detailed filing data is available for this year.$78.7$67.2$11.5$3.27$2.69$0.58
2022Detailed filing. Detailed filing data is available for this year.$79.7$69.2$10.5$2.58$2.27$0.31
2021Detailed filing. Detailed filing data is available for this year.$80.6$69.1$11.5$2.51$2.40$0.11
2020Detailed filing. Detailed filing data is available for this year.$75.5$64.0$11.6$2.61$2.50$0.10
2019Detailed filing. Detailed filing data is available for this year.$67.0$55.5$11.4$2.73$2.48$0.25
2018Detailed filing. Detailed filing data is available for this year.$66.3$55.1$11.1$2.59$2.18$0.40
2017Detailed filing. Detailed filing data is available for this year.$68.1$57.4$10.7$2.46$2.19$0.27
2016Detailed filing. Detailed filing data is available for this year.$67.2$56.7$10.5$2.37$2.12$0.25
2015Detailed filing. Detailed filing data is available for this year.$68.3$58.0$10.3$2.45$2.08$0.37
2014Detailed filing. Detailed filing data is available for this year.$66.2$56.2$9.96$2.31$2.13$0.18
2013Detailed filing. Detailed filing data is available for this year.$67.4$57.6$9.76$2.31$2.23$0.08
2012Summary only. Only limited summary data is available for this year.$57.7$49.4$8.31$2.42$2.16$0.26
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.7$48.7$8.00$2.37
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.1$48.3$7.76$2.47
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 11, 2025
Return Version
2024v5.2
Gross Receipts
$3,711,561
Mission and Program Overview

Mission

The credit union accepts deposits and grants loans to its members. Benefits paid are dividends on deposit accounts.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$43,781,472$44,657,537▲ $876,065
Savings and Temporary Cash Investments$18,412,976$21,766,214▲ $3,353,238
Rtn Earn Endowment Incm Other Fnds$11,456,521$12,109,627▲ $653,106
Investments in Publicly Traded Securities$11,507,986$7,688,356▼ $3,819,630
Land, Buildings, and Equipment, Net$2,051,710$1,970,065▼ $81,645
Cash and Non-Interest-Bearing Accounts$270,115$232,107▼ $38,008
Investments Other Securities$93,700$93,700→ $0
Prepaid Expenses and Deferred Charges$43,634$21,143▼ $22,491
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$78,702,922$78,978,570▲ $275,648
Other Assets Total$2,541,329$2,549,448▲ $8,119
Liabilities
Other Liabilities$66,712,213$66,295,466▼ $416,747
Escrow Account Liability$366,867$396,652▲ $29,785
Accounts Payable and Accrued Expenses$167,321$176,825▲ $9,504
Total Liabilities$67,246,401$66,868,943▼ $377,458
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,456,521$12,109,627▲ $653,106
Total Liabilities and Net Assets / Fund Balance$78,702,922$78,978,570▲ $275,648

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,292,899$1,692,539$2,985,438
Equipment$203,632$932,630$1,136,262
Land$421,598-$421,598
Leasehold Improvements$51,936$61,776$113,712
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Laura YbarraPres., CEO & DirectorFT$192,307$59,838$252,145
John J NaughtonChairman of the Board-$2,000-$2,000
Scott MorrisonTreasurer & Director-$1,500-$1,500

Board Members and Trustees

NameTitle
Sean M HunterVice Chairman of the Board
James a CiulloClerk & Director
Dennis F GrimaldiDirector
Hung PhamDirector
Jennifer RocheDirector
Karen MirabileDirector
Kevin Maguire JrDirector
Ryan MarshallDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
SynergentIt ServicesPO BOX 1236, Portland, ME 04104$265,476
SourcepassIt Services515 BROADHOLLOW ROAD, Mellville, NY 11747$102,020
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,127,799
Investment Income
$1,118,628
Other Revenue
$445,134
Change in Net Assets
$495,787
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,254,791
Salaries, Compensation, and Employee Benefits$1,216,468
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$724,515--$724,515
Other Salaries and Wages$471,904$235,948-$707,852
Current Officers, Directors, Trustees, and Key Employees-$245,495-$245,495
Occupancy-$147,219-$147,219
Depreciation Depletion-$139,494-$139,494
Other Employee Benefits$77,550$48,926-$126,476
Payroll Taxes$43,730$35,728-$79,458
Office Expenses-$75,760-$75,760
Advertising-$75,299-$75,299
All Other Expenses$36,948$25,778-$62,726
Pension Plan Contributions$38,125$19,062-$57,187
Other Expenses$39,613$171,335-$39,613
Fees for Services Accounting-$27,840-$27,840
Insurance-$19,885-$19,885
Conferences and Meetings-$16,006-$16,006
Total Functional Expenses$1,911,999$1,283,775$0$3,195,774
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$66,002,978
Miscellaneous$177,616
Atm & Bill Pay Clearing$114,872
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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 has members.”

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

“The credit union holds an annual meeting according to its bylaws where all members are given proper notification. The bylaws call for the election of directors whose terms have expired.”

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

“The credit union members ratify decisions of the governing body at their annual meeting and elect directors at that time.”

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

“The organization engages the service of an independent accounting firm to prepare the form 990, the same firm that performs the organization's annual audit. Management provides requested information to the accounting firm. A draft copy is sent to the president and ceo for review. Once approved the 990 is filed. A copy of the form 990 is provided to the audit committee and the full board for their review and ratification at the meeting following the filing of the form 990.”

Form 990, Part VI, Section B, Line 12C

“The organization has adopted a conflict of interest policy. The policy requires that directors and officers review and sign a conflict questionnaire annually in order to properly monitor compliance with the policy.”

Form 990, Part VI, Section B, Line 15

“The credit union annually appoints a compensation committee to review compensation of all employees including the officers and key employees. The compensation committee contracts with independent employment consultant periodically to conduct industry salary surveys with relevant peer group information.”

Form 990, Part VI, Section C, Line 19

“The credit union posts unaudited financial statements in the lobby of the credit union branch, governing documents and conflict of interest policy are available upon request.”

Filing and Contact Details

Filer

Filer Name
Allcom Credit Union
EIN
04-1163260
Phone
5087549980
Address
36 PARK AVENUE, WORCESTER, MA 01609

Signing Officer

Name
Laura C Ybarra
Title
President, CEO & Director
Phone
5087549980
Signed
2025-09-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Laura C Ybarra
Formed
1922
Legal Domicile
Ma
Voting Board Members
11
Independent Board Members
10
Employees
22
Volunteers
0

Preparer

Firm
Spinelli CPA Pc
Address
146 WEST BOYLSTON DRIVE SUITE 302, WORCESTER, MA 01606
Preparer
Karen Spinelli
Phone
5083656522
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“The credit union holds funds in escrow to pay insurance and taxes on behalf of its mortgage loan accounts.”

PART X, LINE 2:

“Management has analyzed the tax positions taken by the credit union and has concluded there are no uncertain positions taken or expected to be taken that would require recognition of a liability or disclosure in the financial statements.”

Raw XML AppendixShowing 400 of 475 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/PersonNm10LAURA YBARRA
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt1CLERK & DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER & DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10PRES., CEO & DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01922
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt01700
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt021700
IRS990/GrossReceiptsAmt03711561
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt019885
IRS990/InsuranceGrp/TotalAmt019885
IRS990/InvestmentIncomeGrp/ExclusionAmt01116928
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01116928
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt093700
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt093700
IRS990/InvestmentsPubTradedSecGrp/BOYAmt011507986
IRS990/InvestmentsPubTradedSecGrp/EOYAmt07688356
IRS990/IRPDocumentCnt01045
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02686945
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02051710
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01970065
IRS990/LandBldgEquipCostOrOtherBssAmt04657010
IRS990/LegalDomicileStateCd0MA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt020000
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt044710
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt044710
IRS990/MissionDesc0THE CREDIT UNION ACCEPTS DEPOSITS AND GRANTS LOANS TO ITS MEMBERS. BENEFITS PAID ARE DIVIDENDS ON DEPOSIT ACCOUNTS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt011456521
IRS990/NetAssetsOrFundBalancesEOYAmt012109627
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt01700
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01700
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0157319
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt0147219
IRS990/OccupancyGrp/TotalAmt0147219
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt075760
IRS990/OfficeExpensesGrp/TotalAmt075760
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02541329
IRS990/OtherAssetsTotalGrp/EOYAmt02549448
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt048926
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt077550
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0126476
IRS990/OtherExpensesGrp/Desc0DEBIT CARD /CREDIT CARD
IRS990/OtherExpensesGrp/Desc1PROFESSIONAL FEES, CONS
IRS990/OtherExpensesGrp/Desc2VARIOUS OPERATION EXPEN
IRS990/OtherExpensesGrp/Desc3ELECTRONIC SERVICES-BIL
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0171335
IRS990/OtherExpensesGrp/ProgramServicesAmt0254750
IRS990/OtherExpensesGrp/ProgramServicesAmt1224864
IRS990/OtherExpensesGrp/ProgramServicesAmt239613
IRS990/OtherExpensesGrp/TotalAmt0254750
IRS990/OtherExpensesGrp/TotalAmt1224864
IRS990/OtherExpensesGrp/TotalAmt2171335
IRS990/OtherExpensesGrp/TotalAmt339613
IRS990/OtherLiabilitiesGrp/BOYAmt066712213
IRS990/OtherLiabilitiesGrp/EOYAmt066295466
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0DEBIT CARD INCOME
IRS990/OtherRevenueMiscGrp/Desc1MEMBER CHECKS & FEES
IRS990/OtherRevenueMiscGrp/Desc2CREDIT CARD INTERCHANGE
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0207210
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1130293
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt262921
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0207210
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1130293
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt262921
IRS990/OtherRevenueTotalAmt0445134
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0235948
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0471904
IRS990/OtherSalariesAndWagesGrp/TotalAmt0707852
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt043781472
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt044657537
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt035728
IRS990/PayrollTaxesGrp/ProgramServicesAmt043730
IRS990/PayrollTaxesGrp/TotalAmt079458
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt019062
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt038125
IRS990/PensionPlanContributionsGrp/TotalAmt057187
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt043634
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt021143
IRS990/PrincipalOfficerNm0LAURA C YBARRA
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02127799
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02127799
IRS990/ProgSrvcAccomActy2Grp/Desc0GRANTING OF CREDIT (CONSUMER AND MORTGAGE LOAN PRODUCTS) TO MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0893121
IRS990/ProgSrvcAccomActy3Grp/Desc0OFFERING OF DEBIT AND CREDIT CARD SERVICES FOR MEMBER PURCHASES.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0294363
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0406315
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0861292
IRS990/PYOtherExpensesAmt01130499
IRS990/PYOtherRevenueAmt0467414
IRS990/PYProgramServiceRevenueAmt01941630
IRS990/PYRevenuesLessExpensesAmt0584860
IRS990/PYSalariesCompEmpBnftPaidAmt01148662
IRS990/PYTotalExpensesAmt02685476
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03270336
IRS990/ReconcilationRevenueExpnssAmt0495787
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt011456521
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt012109627
IRS990/SavingsAndTempCashInvstGrp/BOYAmt018412976
IRS990/SavingsAndTempCashInvstGrp/EOYAmt021766214
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01292899
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01692539
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02985438
IRS990ScheduleD/EquipmentGrp/BookValueAmt0203632
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0932630
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01136262
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt0421598
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0421598
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt051936
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt061776
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0113712
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0114872
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1177616
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt266002978
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ATM & BILL PAY CLEARING
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MISCELLANEOUS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MEMBER SHARES & DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HOLDS FUNDS IN ESCROW TO PAY INSURANCE AND TAXES ON BEHALF OF ITS MORTGAGE LOAN ACCOUNTS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1MANAGEMENT HAS ANALYZED THE TAX POSITIONS TAKEN BY THE CREDIT UNION AND HAS CONCLUDED THERE ARE NO UNCERTAIN POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY OR DISCLOSURE IN THE FINANCIAL STATEMENTS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01970065
IRS990ScheduleD/TotalLiabilityAmt066295466
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0192307
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount017845
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt031688
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt010150
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt0155
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0LAURA YBARRA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRES., CEO & DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0252145
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HOLDS AN ANNUAL MEETING ACCORDING TO ITS BYLAWS WHERE ALL MEMBERS ARE GIVEN PROPER NOTIFICATION. THE BYLAWS CALL FOR THE ELECTION OF DIRECTORS WHOSE TERMS HAVE EXPIRED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION MEMBERS RATIFY DECISIONS OF THE GOVERNING BODY AT THEIR ANNUAL MEETING AND ELECT DIRECTORS AT THAT TIME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION ENGAGES THE SERVICE OF AN INDEPENDENT ACCOUNTING FIRM TO PREPARE THE FORM 990, THE SAME FIRM THAT PERFORMS THE ORGANIZATION'S ANNUAL AUDIT. MANAGEMENT PROVIDES REQUESTED INFORMATION TO THE ACCOUNTING FIRM. A DRAFT COPY IS SENT TO THE PRESIDENT AND CEO FOR REVIEW. ONCE APPROVED THE 990 IS FILED. A COPY OF THE FORM 990 IS PROVIDED TO THE AUDIT COMMITTEE AND THE FULL BOARD FOR THEIR REVIEW AND RATIFICATION AT THE MEETING FOLLOWING THE FILING OF THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION HAS ADOPTED A CONFLICT OF INTEREST POLICY. THE POLICY REQUIRES THAT DIRECTORS AND OFFICERS REVIEW AND SIGN A CONFLICT QUESTIONNAIRE ANNUALLY IN ORDER TO PROPERLY MONITOR COMPLIANCE WITH THE POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION ANNUALLY APPOINTS A COMPENSATION COMMITTEE TO REVIEW COMPENSATION OF ALL EMPLOYEES INCLUDING THE OFFICERS AND KEY EMPLOYEES. THE COMPENSATION COMMITTEE CONTRACTS WITH INDEPENDENT EMPLOYMENT CONSULTANT PERIODICALLY TO CONDUCT INDUSTRY SALARY SURVEYS WITH RELEVANT PEER GROUP INFORMATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION POSTS UNAUDITED FINANCIAL STATEMENTS IN THE LOBBY OF THE CREDIT UNION BRANCH, GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MA

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