Civic Intelligence

Allcom Credit Union

990 • Fiscal year 2012 • EIN 04-1163260

Jan 01, 2012 to Dec 31, 2012 • Filed on May 15, 2013

Organization ProfileWWW.ALLCOMCU.ORG

View Organization Page

36 Park Avenue01609
Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$57,677,566

Flat from 2012

Net Assets

Flat

$8,308,381

Flat from 2012

Liabilities

Flat

$49,369,185

Flat from 2012

Revenue And Expenses

Revenue

-

No earlier filing loaded for comparison.

Expenses

Flat

$2,163,132

Flat from 2012

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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 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

2012

Assets$57,677,566
Liabilities$49,369,185
Net Assets$8,308,381
Open 2012 Filing

Operations Trend

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: $2,368,7442011Expenses 2012: $2,163,1322012Revenue 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

2012

Revenue-
Expenses$2,163,132
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 15, 2013
Return Version
2012v2.1
Gross Receipts
$2,420,845
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 442 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/AccountantCompileOrReview00
IRS990/AccountsPayableAccruedExpenses/BOY048530683
IRS990/AccountsPayableAccruedExpenses/EOY049244289
IRS990/ActivitiesConductedPartnership00
IRS990/Activity2/Description0GRANTING OF CREDIT (CONSUMER AND MORTGAGE LOAN PRODUCTS) TO MEMBERS.
IRS990/Activity2/Expense0486985
IRS990/Activity3/Description0OFFERING OF DEBIT AND CREDIT CARD SERVICES FOR MEMBER PURCHASES.
IRS990/Activity3/Expense0159984
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.
IRS990/AddressPrincipalOfficerUS/AddressLine1036 PARK AVENUE
IRS990/AddressPrincipalOfficerUS/City0WORCESTER
IRS990/AddressPrincipalOfficerUS/State0MA
IRS990/AddressPrincipalOfficerUS/ZIPCode001609
IRS990/Advertising/ManagementAndGeneral030465
IRS990/Advertising/Total030465
IRS990/AllOtherExpenses/ManagementAndGeneral089391
IRS990/AllOtherExpenses/Total089391
IRS990/AnnualDisclosureCoveredPersons01
IRS990/AuditCommittee01
IRS990/BenefitsPaidToMembersCY0387520
IRS990/BenefitsPaidToMembersPriorYear0457652
IRS990/BenefitsToMembers/ProgramServices0387520
IRS990/BenefitsToMembers/Total0387520
IRS990/BsnssRltnshpThruFamilyMember00
IRS990/BsnssRltnshpWithOrganization00
IRS990/CapStckTrstPrinCurrentFunds/BOY00
IRS990/CapStckTrstPrinCurrentFunds/EOY00
IRS990/CashNonInterestBearing/BOY0193523
IRS990/CashNonInterestBearing/EOY0175183
IRS990/ChangesToOrganizingDocs00
IRS990/CollectionsOfArt00
IRS990/CompCurrentOfficersDirectors/ManagementAndGeneral0174960
IRS990/CompCurrentOfficersDirectors/Total0174960
IRS990/CompensationFromOtherSources00
IRS990/CompensationProcessCEO01
IRS990/CompensationProcessOther01
IRS990/ConferencesMeetings/ManagementAndGeneral024108
IRS990/ConferencesMeetings/Total024108
IRS990/ConflictOfInterestPolicy01
IRS990/ConservationEasements00
IRS990/ConsolidatedAuditFinancialStmt00
IRS990/ContributionsGrantsCurrentYear00
IRS990/ContributionsGrantsPriorYear00
IRS990/CreditCounseling00
IRS990/DecisionsSubjectToApproval01
IRS990/DeductibleContributionsOfArt00
IRS990/DeductibleNonCashContributions00
IRS990/DelegationOfManagementDuties00
IRS990/DepreciationDepletion/ManagementAndGeneral018446
IRS990/DepreciationDepletion/Total018446
IRS990/DescribedIn501C300
IRS990/Description0DIVIDENDS AND INTEREST PAID ON MEMBERS DEPOSITS.
IRS990/DisregardedEntity00
IRS990/DocumentRetentionPolicy01
IRS990/DonorAdvisedFunds00
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers01
IRS990/EmploymentTaxReturnsFiled00
IRS990/Expense0387520
IRS990/FamilyOrBusinessRelationship00
IRS990/FederalGrantAuditRequired00
IRS990/FeesForServicesAccounting/ManagementAndGeneral023750
IRS990/FeesForServicesAccounting/Total023750
IRS990/FeesForServicesLegal/ManagementAndGeneral023418
IRS990/FeesForServicesLegal/Total023418
IRS990/ForeignActivities00
IRS990/ForeignFinancialAccount00
IRS990/ForeignOffice00
IRS990/Form8282PropertyDisposedOf00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek00.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek10.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek20.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek30.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek40.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek50.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek62.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek72.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek80.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek90.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1040.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector6X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector7X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector8X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector9X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector10X
IRS990/Form990PartVIISectionA/NamePerson0JOHN J NAUGHTON
IRS990/Form990PartVIISectionA/NamePerson1JAMES E BRIGHAM
IRS990/Form990PartVIISectionA/NamePerson2JAMES A CIULLO
IRS990/Form990PartVIISectionA/NamePerson3JAMES J CROSBIE
IRS990/Form990PartVIISectionA/NamePerson4DENNIS F GRIMALDI
IRS990/Form990PartVIISectionA/NamePerson5GARRY M POWER
IRS990/Form990PartVIISectionA/NamePerson6MARGARET M ROCHE
IRS990/Form990PartVIISectionA/NamePerson7JOSEPH H ZUKOWSKI
IRS990/Form990PartVIISectionA/NamePerson8JOHN P BRISSETTE
IRS990/Form990PartVIISectionA/NamePerson9PAUL B VASINGTON
IRS990/Form990PartVIISectionA/NamePerson10DEBBIE C GUINEY
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation70
IRS990/Form990PartVIISectionA/OtherCompensation80
IRS990/Form990PartVIISectionA/OtherCompensation90
IRS990/Form990PartVIISectionA/OtherCompensation1030971
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization61500
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization70
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization80
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization90
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10152489
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs70
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs80
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs90
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs100
IRS990/Form990PartVIISectionA/Title0VICE CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionA/Title1DIRECTOR
IRS990/Form990PartVIISectionA/Title2CLERK & DIRECTOR
IRS990/Form990PartVIISectionA/Title3DIRECTOR
IRS990/Form990PartVIISectionA/Title4DIRECTOR
IRS990/Form990PartVIISectionA/Title5DIRECTOR
IRS990/Form990PartVIISectionA/Title6TREASURER & DIRECTOR
IRS990/Form990PartVIISectionA/Title7CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionA/Title8DIRECTOR
IRS990/Form990PartVIISectionA/Title9DIRECTOR
IRS990/Form990PartVIISectionA/Title10PRESIDENT,CEO & DIRECTOR
IRS990/Form990ProvidedToGoverningBody00
IRS990/FormersListed00
IRS990/FSAudited01
IRS990/FSAuditedBasis/FinancialStatementSeparate0X
IRS990/FundraisingActivities00
IRS990/Gaming00
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsAndSimilarAmntsPriorYear00
IRS990/GrantsToIndividuals00
IRS990/GrantsToOrganizations00
IRS990/GrantToRelatedPerson00
IRS990/GrossReceipts02420845
IRS990/GroupReturnForAffiliates00
IRS990/Hospital00
IRS990/IndependentAuditFinancialStmt00
IRS990/IndoorTanningServices00
IRS990/InfoInScheduleOPartVI0X
IRS990/InfoInScheduleOPartXII0X
IRS990/Insurance/ManagementAndGeneral011928
IRS990/Insurance/Total011928
IRS990/InvestmentIncomeCurrentYear0410324
IRS990/InvestmentIncomePriorYear0469895
IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome0410324
IRS990/InvestmentIncome/TotalRevenueColumn0410324
IRS990/InvestmentInJointVenture00
IRS990/InvestmentsOtherSecurities/BOY0115000
IRS990/InvestmentsOtherSecurities/EOY083600
IRS990/InvestmentsPubTradedSecurities/BOY06583967
IRS990/InvestmentsPubTradedSecurities/EOY07395483
IRS990/LandBldgEquipmentAccumDeprec01536779
IRS990/LandBuildingsEquipmentBasis02935333
IRS990/LandBuildingsEquipmentBasisNet/BOY01461960
IRS990/LandBuildingsEquipmentBasisNet/EOY01398554
IRS990/LoanToOfficerOrDQP00
IRS990/LocalChapters00
IRS990/MaterialDiversionOrMisuse00
IRS990/MembersOrStockholders01
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees01
IRS990/MinutesOfGoverningBody01
IRS990/MiscellaneousRevenue/RelatedOrExemptFunctionIncome0112120
IRS990/MiscellaneousRevenue/TotalRevenueColumn0112120
IRS990/MissionDescription0THE CREDIT UNION ACCEPTS DEPOSITS AND GRANTS LOANS TO ITS MEMBERS. BENEFITS PAID ARE DIVIDENDS ON DEPOSIT ACCOUNTS.
IRS990/MoreThan5000KToIndividuals00
IRS990/MoreThan5000KToOrganizations00
IRS990/NameOfPrincipalOfficerPerson0DEBBIE C GUINEY
IRS990/NbrIndependentVotingMembers010
IRS990/NbrVotingGoverningBodyMembers011
IRS990/NbrVotingMembersGoverningBody011
IRS990/NetAssetsOrFundBalancesBOY08002047
IRS990/NetAssetsOrFundBalancesEOY08308381
IRS990/NetUnrelatedBusinessTxblIncome00
IRS990/NonDeductibleContributions00
IRS990/NumberFormsTransmittedWith109601510
IRS990/NumberIndependentVotingMembers010
IRS990/NumberIndividualsGT100K01
IRS990/NumberOfContractorsGT100K00
IRS990/NumberOfEmployees025
IRS990/NumberW2GIncluded00
IRS990/Occupancy/ManagementAndGeneral0150684
IRS990/Occupancy/Total0150684
IRS990/OfficeExpenses/ManagementAndGeneral069347
IRS990/OfficeExpenses/Total069347
IRS990/OfficerEntityWithBsnssRltnshp00
IRS990/OfficerMailingAddress00
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY0761482
IRS990/OtherAssetsTotal/EOY0788812
IRS990/OtherEmployeeBenefits/ManagementAndGeneral072823
IRS990/OtherEmployeeBenefits/Total072823
IRS990/OtherExpensePriorYear01008457
IRS990/OtherExpensesCurrentYear0897527
IRS990/OtherExpenses/Description0DEBIT CARD/CREDIT CARD
IRS990/OtherExpenses/Description1PROFESSIONAL FEES, CONS
IRS990/OtherExpenses/Description2VARIOUS OPERATION EXPEN
IRS990/OtherExpenses/Description3PROVISION FOR LOAN LOSS
IRS990/OtherExpenses/ManagementAndGeneral0142500
IRS990/OtherExpenses/ManagementAndGeneral188356
IRS990/OtherExpenses/ProgramServices0159984
IRS990/OtherExpenses/ProgramServices160000
IRS990/OtherExpenses/Total0159984
IRS990/OtherExpenses/Total1142500
IRS990/OtherExpenses/Total288356
IRS990/OtherExpenses/Total360000
IRS990/OtherLiabilities/BOY0153228
IRS990/OtherLiabilities/EOY0124896
IRS990/OtherNotesLoansReceivableNet/BOY024163667
IRS990/OtherNotesLoansReceivableNet/EOY023926123
IRS990/OtherRevenueCurrentYear0646503
IRS990/OtherRevenueMisc/BusinessCode0522100
IRS990/OtherRevenueMisc/BusinessCode1522100
IRS990/OtherRevenueMisc/BusinessCode2522100
IRS990/OtherRevenueMisc/Description0MEMBER CHECK & FEE
IRS990/OtherRevenueMisc/Description1DEBIT CARD INCOME
IRS990/OtherRevenueMisc/Description2GAIN ON SALE OF MORTGA
IRS990/OtherRevenueMisc/RelatedOrExemptFunctionIncome0254556
IRS990/OtherRevenueMisc/RelatedOrExemptFunctionIncome1190342
IRS990/OtherRevenueMisc/RelatedOrExemptFunctionIncome289485
IRS990/OtherRevenueMisc/TotalRevenueColumn0254556
IRS990/OtherRevenueMisc/TotalRevenueColumn1190342
IRS990/OtherRevenueMisc/TotalRevenueColumn289485
IRS990/OtherRevenuePriorYear0551255
IRS990/OtherSalariesAndWages/ManagementAndGeneral0177479
IRS990/OtherSalariesAndWages/ProgramServices0354958
IRS990/OtherSalariesAndWages/Total0532437
IRS990/PaidInCapSrplsLandBldgEqpFund/BOY00
IRS990/PaidInCapSrplsLandBldgEqpFund/EOY00
IRS990/PartialLiquidation00
IRS990/PayrollTaxes/ManagementAndGeneral013168
IRS990/PayrollTaxes/ProgramServices046688
IRS990/PayrollTaxes/Total059856
IRS990/PensionPlanContributions/ManagementAndGeneral012670
IRS990/PensionPlanContributions/ProgramServices025339
IRS990/PensionPlanContributions/Total038009
IRS990/PoliticalActivities00
IRS990/PrepaidExpensesDeferredCharges/BOY023679
IRS990/PrepaidExpensesDeferredCharges/EOY016725
IRS990/ProfessionalFundraising00
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenueCY01364018
IRS990/ProgramServiceRevenue/Description0INTEREST LOANS
IRS990/ProgramServiceRevenuePriorYear01458638
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome01364018
IRS990/ProgramServiceRevenue/TotalRevenueColumn01364018
IRS990/ProhibitedTaxShelterTrans00
IRS990/QuidProQuoContributions00
IRS990/ReconcilationOtherChanges00
IRS990/ReconcilationRevenueExpenses0257713
IRS990/ReconciliationUnrealizedInvest048621
IRS990/RegularMonitoringEnforcement01
IRS990/RelatedEntity00
IRS990/RelatedOrgControlledEntity00
IRS990/ReportFin48Footnote00
IRS990/ReportInvestOthSecurities00
IRS990/ReportLandBldgEquip01
IRS990/ReportOtherAssets00
IRS990/ReportOtherLiabilities01
IRS990/ReportProgRelInvest00
IRS990/RetainedEarningsEndowmentEtc/BOY08002047
IRS990/RetainedEarningsEndowmentEtc/EOY08308381
IRS990/RevenuesLessExpensesCY0257713
IRS990/RevenuesLessExpensesPriorYear0111044
IRS990/SalariesEtcCurrentYear0878085
IRS990/SalariesEtcPriorYear0902635
IRS990/SavingsAndTempCashInvestments/BOY023382680
IRS990/SavingsAndTempCashInvestments/EOY023893086
IRS990/ScheduleBRequired00
IRS990ScheduleD/Buildings/BookValue0923724
IRS990ScheduleD/Buildings/Depreciation0960962
IRS990ScheduleD/Buildings/InvestmentCostOrOtherBasis01884686
IRS990ScheduleD/Equipment/BookValue052012
IRS990ScheduleD/Equipment/Depreciation0545134
IRS990ScheduleD/Equipment/InvestmentCostOrOtherBasis0597146
IRS990ScheduleD/Land/BookValue0421598
IRS990ScheduleD/Land/InvestmentCostOrOtherBasis0421598
IRS990ScheduleD/LeaseholdImprovements/BookValue01220
IRS990ScheduleD/LeaseholdImprovements/Depreciation030683
IRS990ScheduleD/LeaseholdImprovements/InvestmentCostOrOtherBasis031903
IRS990ScheduleD/OtherLiabilities/Amount020006
IRS990ScheduleD/OtherLiabilities/Amount1104890
IRS990ScheduleD/OtherLiabilities/Description0OTHER LIABILITIES
IRS990ScheduleD/OtherLiabilities/Description1ATM NETWORK CLEARING
IRS990ScheduleD/TotalOfAmounts0124896
IRS990ScheduleD/TotalOfBookValueLandBuildings01398554
IRS990ScheduleJ/BoardOrCommitteeApproval0X
IRS990ScheduleJ/CompensationCommittee0X
IRS990ScheduleJ/CompensationSurvey0X
IRS990ScheduleJ/EquityBasedCompArrangement00
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg0138048
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg013980
IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990FilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990RelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg020970
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson0DEBBIE C GUINEY
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg010001
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg0461
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/Title0PRESIDENT,CEO & DIRECTOR
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0183460
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs00
IRS990ScheduleJ/IndependentConsultant0X
IRS990/ScheduleJRequired01
IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SupplementalNonqualRetirePlan00
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 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 COMMITTEE CONTRACTS WITH INDEPENDENT EMPLOYMENT CONSULTANT PERIODICALLY 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/Explanation7THE AUDIT COMMITTEE ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT AUDITOR.
IRS990ScheduleO/GeneralExplanation/Identifier0RESPONSIBILITY FOR ANNUAL INDEPENDENT AUDIT
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PAGE 12 PART XII, LINE 2C
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0MA
IRS990/StatesWhereCopyOfReturnIsFiled0MA
IRS990/SubjectToProxyTax00
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/BOY056685958
IRS990/TotalAssetsBOY056685958
IRS990/TotalAssets/EOY057677566
IRS990/TotalAssetsEOY057677566
IRS990/TotalCompGT150K01
IRS990/TotalExpensesCurrentYear02163132
IRS990/TotalExpensesPriorYear02368744
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral01128643
IRS990/TotalFunctionalExpenses/ProgramServices01034489
IRS990/TotalFunctionalExpenses/Total02163132
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
IRS990/TotalLiabilities/BOY048683911
IRS990/TotalLiabilitiesBOY048683911
IRS990/TotalLiabilities/EOY049369185
IRS990/TotalLiabilitiesEOY049369185
IRS990/TotalLiabNetAssetsFundBalances/BOY056685958
IRS990/TotalLiabNetAssetsFundBalances/EOY057677566
IRS990/TotalNbrEmployees025
IRS990/TotalNbrVolunteers00
IRS990/TotalNetAssetsFundBalances/BOY08002047
IRS990/TotalNetAssetsFundBalances/EOY08308381
IRS990/TotalOtherCompensation030971
IRS990/TotalOtherRevenue0646503
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceExpense01034489
IRS990/TotalProgramServiceRevenue01364018
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg0153989

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$57,677,566
Liabilities
$49,369,185
Net assets
$8,308,381
Revenue
-
Expenses
$2,163,132
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
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.7$49.4$8.31$2.16
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