Civic Intelligence

Allcom Credit Union

990 • Fiscal year 2010 • EIN 04-1163260

Jan 01, 2010 to Dec 31, 2010 • Filed on May 11, 2011

Organization ProfileWWW.ALLCOMCU.ORG

View Organization Page

36 Park Avenue01609
Siviq Scores

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

Liabilities / Assets

23rd percentile

0.86x

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

2010 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets23rd percentile

Assets

$56,086,757

No earlier filing loaded for comparison.

Net Assets

$7,758,873

No earlier filing loaded for comparison.

Liabilities

$48,327,884

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$2,466,805

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$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

2010

Assets$56,086,757
Liabilities$48,327,884
Net Assets$7,758,873
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

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

2010

Revenue-
Expenses$2,466,805
Net Income-
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
May 11, 2011
Return Version
2010v3.2
Gross Receipts
$2,742,131
Mission and Program Overview

Mission

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

Major Activities

Activity 2
Granting of credit (consumer and mortgage loan products) to members.
Activity 3
Offering of debit and credit card services for member purchases.
Filing and Contact Details

Filer

EIN
04-1163260
Raw XML AppendixShowing 400 of 464 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/ActivityOrMissionDescription0THE CREDIT UNION ACCEPTS DEPOSITS AND GRANTS LOANS TO ITS MEMBERS. BENEFITS PAID ARE DIVIDENDS ON DEPOSIT ACCOUNTS AND GRANTING ACCESSIBLE CREDIT TO ITS MEMBERS.
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IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION HAS MEMBERS
IRS990ScheduleO/GeneralExplanation/Explanation1THE 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/GeneralExplanation/Explanation2THE CREDIT UNION MEMBERS RATIFY DECISIONS OF THE GOVERNING BODY AT THEIR ANNUAL MEETING AND ELECT DIRECTORS AT THAT TIME.
IRS990ScheduleO/GeneralExplanation/Explanation3THE 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 AND THE CHIEF FINANCIAL OFFICER FOR REVIEW. ONCE APPROVED THE 990 IS FILED. A COPY OF THE 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/GeneralExplanation/Explanation4THE 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/GeneralExplanation/Explanation5THE CREDIT UNION ANNUALLY APPOINTS A COMPENSATION COMMITTEE TO REVIEW COMPENSATION OF ALL EMPLOYEES INCLUDING THE OFFICERS AND KEY EMPLOYEES. THE COMPENSATION COMMITTTEE CONTRACTS WITH INDEPENDENT EMPLOYMENT CONSULTANT TO CONDUCT INDUSTRY SALARY SURVEYS WITH RELEVANT PEER GROUP INFORMATION.
IRS990ScheduleO/GeneralExplanation/Explanation6THE 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/GeneralExplanation/Explanation7NET CHANGE IN UNREALIZED GAIN(LOSS)ON A-F-S SECURITIES -55,534. TOTAL TO FORM 990, PART XI, LINE 5: -55,534.
IRS990ScheduleO/GeneralExplanation/Explanation8RESPONSIBILITY FOR ANNUAL INDEPENDENT AUDIT: THE AUDIT COMMITTEE ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT AUDITOR.
IRS990ScheduleO/GeneralExplanation/Identifier0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/Identifier1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/Identifier2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/Identifier3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/Identifier4CHANGES IN NET ASSETS OR FUND BALANCES:
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART XI, LINE 5:
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990 PART XII, LINE 2C
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0MA
IRS990/StatesWhereCopyOfReturnIsFiled0MA
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1036 PARK AVENUE
IRS990/TheBooksAreInCareOf/AddressUS/City0WORCESTER
IRS990/TheBooksAreInCareOf/AddressUS/State0MA
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode001609
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10DEBBIE C GUINEY CEO
IRS990/TheBooksAreInCareOf/TelephoneNumber05087549980
IRS990/TotalAssets/BOY053617798
IRS990/TotalAssetsBOY053617798
IRS990/TotalAssets/EOY056086757
IRS990/TotalAssetsEOY056086757
IRS990/TotalCompGT150K01
IRS990/TotalExpensesCurrentYear02466805
IRS990/TotalExpensesPriorYear02780245
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral01260222

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Filings

Displayed year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$56,086,757
Liabilities
$48,327,884
Net assets
$7,758,873
Revenue
-
Expenses
$2,466,805
Net income
-
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