Liabilities / Assets
19th percentile
Higher debt load relative to assets than 19% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.86x
Liabilities / Revenue
87th percentile
Higher debt load relative to revenue than 87% of similar nonprofits.
Net Margin
26th percentile
Higher net margin than 26% of similar nonprofits.
Top Officer Pay
88th percentile
Higher top officer pay than 88% of similar nonprofits.
Top officer pay equals 8.4% of source-year revenue.
Asset Growth
98th percentile
Faster asset growth than 98% of similar nonprofits.
Revenue Growth
24th percentile
Faster revenue growth than 24% of similar nonprofits.
Balance Sheet
Assets
Up$67,363,876
Up $9,686,310 (+17%) from 2012
Net Assets
Up$9,764,939
Up $1,456,558 (+18%) from 2012
Liabilities
Up$57,598,937
Up $8,229,752 (+17%) from 2012
Revenue And Expenses
Revenue
Down$2,307,887
Down $112,958 (-4.7%) from 2012
Expenses
Up$2,228,839
Up $65,707 (+3.0%) from 2012
Net Income
Down$79,048
Down $178,665 (-69%) from 2012
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- May 8, 2014
- Return Version
- 2013v3.0
- Gross Receipts
- $2,307,887
Mission and Program Overview
Mission
The credit union accepts deposits and grants loans to its members. Benefits paid are dividends on deposit accounts.
The credit union accepts deposits and grants loans to its members. Benefits paid are dividends on deposit accounts and granting accessible credit to its members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Savings and Temporary Cash Investments | $23,893,086 | $30,014,777 | ▲ $6,121,691 |
| Other Notes and Loans Receivable, Net | $23,926,123 | $26,980,500 | ▲ $3,054,377 |
| Rtn Earn Endowment Incm Other Fnds | $8,308,381 | $9,764,939 | ▲ $1,456,558 |
| Investments in Publicly Traded Securities | $7,395,483 | $7,256,035 | ▼ $139,448 |
| Land, Buildings, and Equipment, Net | $1,398,554 | $1,358,575 | ▼ $39,979 |
| Cash and Non-Interest-Bearing Accounts | $175,183 | $233,512 | ▲ $58,329 |
| Investments Other Securities | $83,600 | $79,600 | ▼ $4,000 |
| Prepaid Expenses and Deferred Charges | $16,725 | $36,455 | ▲ $19,730 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $57,677,566 | $67,363,876 | ▲ $9,686,310 |
| Other Assets Total | $788,812 | $1,404,422 | ▲ $615,610 |
| Liabilities | |||
| Other Liabilities | $49,369,185 | $57,598,937 | ▲ $8,229,752 |
| Total Liabilities | $49,369,185 | $57,598,937 | ▲ $8,229,752 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $8,308,381 | $9,764,939 | ▲ $1,456,558 |
| Total Liabilities and Net Assets / Fund Balance | $57,677,566 | $67,363,876 | ▲ $9,686,310 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $868,796 | $1,015,890 | - |
| Land | $421,598 | - | - |
| Equipment | $67,876 | $568,453 | - |
| Leasehold Improvements | $305 | $31,598 | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Debbie C Guiney | President,CEO & Director | FT | $147,080 | $47,787 | $194,867 |
| Margaret M Roche | Treasurer & Director | - | $1,500 | - | $1,500 |
Board Members and Trustees
| Name | Title |
|---|---|
| Joseph H Zukowski | Chairman of the Board |
| John J Naughton | Vice Chairman of the Board |
| James a Ciullo | Clerk & Director |
| Dennis F Grimaldi | Director |
| Garry M Power | Director |
| James E Brigham | Director |
| James J Crosbie | Director |
| John P Brissette | Director |
| Paul B Vasington | Director |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $1,384,150
- Investment Income
- $355,737
- Other Revenue
- $568,000
- Change in Net Assets
- $79,048
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $950,803 |
| Other Expenses | $938,791 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $387,679 | $193,839 | - | $581,518 |
| Benefits to Members | $339,245 | - | - | $339,245 |
| Current Officers, Directors, Trustees, and Key Employees | - | $185,708 | - | $185,708 |
| Occupancy | - | $144,246 | - | $144,246 |
| All Other Expenses | - | $87,762 | - | $87,762 |
| Office Expenses | - | $80,586 | - | $80,586 |
| Payroll Taxes | $51,081 | $14,407 | - | $65,488 |
| Other Employee Benefits | - | $64,253 | - | $64,253 |
| Depreciation Depletion | - | $54,286 | - | $54,286 |
| Pension Plan Contributions | $35,891 | $17,945 | - | $53,836 |
| Other Expenses | $52,000 | $93,279 | - | $52,000 |
| Advertising | - | $27,503 | - | $27,503 |
| Fees for Services Accounting | - | $24,000 | - | $24,000 |
| Fees for Services Legal | - | $21,239 | - | $21,239 |
| Insurance | - | $12,159 | - | $12,159 |
| Conferences and Meetings | - | $10,350 | - | $10,350 |
| Travel | - | $4,078 | - | $4,078 |
| Total Functional Expenses | $1,034,377 | $1,194,462 | $0 | $2,228,839 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| MEMBERS' SHARE AND DEPOSIT ACCOUNTS | $57,492,890 |
| Atm Network Clearing | $88,314 |
| Other Liabilities | $17,733 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- Yes
- 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 11
“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 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
- EIN
- 04-1163260
- Phone
- 5087549980
Signing Officer
- Name
- Debbie C Guiney
- Title
- President
- Phone
- 5087549980
- Signed
- 2014-05-08
Organization Details
- Principal Officer
- Debbie C Guiney
- Formed
- 1922
- Legal Domicile
- Ma
- Voting Board Members
- 11
- Independent Board Members
- 10
- Employees
- 29
- Volunteers
- 0
Preparer
- Preparer
- Anthony J Mercadante
- Phone
- 9783420647
Supplemental Narrative
Additional Explanations
FORM 990, PART XI, LINE 9:
“Equity acquired in merger 1,477,844.”
Form 990, Page 12 Part XII, Line 2C
“The audit committee assumes responsibility for the oversight of the audit of its financial statements and the selection of an independent auditor. The financial statements audit is not conducted on a calendar year.”
Raw XML AppendixShowing 400 of 443 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 |
|---|---|---|
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| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | THE 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/AdvertisingGrp/ManagementAndGeneralAmt | 0 | 27503 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 27503 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 87762 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 87762 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/ProgramServicesAmt | 0 | 339245 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 339245 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1 | 0 | DEBBIE C GUINEY CEO |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 5087549980 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 36 PARK AVENUE |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | WORCESTER |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | MA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 01609 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
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| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 175183 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 233512 |
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| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
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| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 185708 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
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| IRS990/CompensationProcessOtherInd | 0 | 1 |
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| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 10350 |
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| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
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| IRS990/CYBenefitsPaidToMembersAmt | 0 | 339245 |
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| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 355737 |
| IRS990/CYOtherExpensesAmt | 0 | 938791 |
| IRS990/CYOtherRevenueAmt | 0 | 568000 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1384150 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 79048 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 950803 |
| IRS990/CYTotalExpensesAmt | 0 | 2228839 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 2307887 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 54286 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 54286 |
| IRS990/Desc | 0 | DIVIDENDS AND INTEREST PAID ON MEMBERS DEPOSITS. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 29 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/ExpenseAmt | 0 | 339245 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 24000 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 24000 |
| IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt | 0 | 21239 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 21239 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 10 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
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| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | JOHN J NAUGHTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | JAMES E BRIGHAM |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JAMES A CIULLO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | JAMES J CROSBIE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | DENNIS F GRIMALDI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | GARRY M POWER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | MARGARET M ROCHE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | JOSEPH H ZUKOWSKI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | JOHN P BRISSETTE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | PAUL B VASINGTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | DEBBIE C GUINEY |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | CLERK & DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | TREASURER & DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | CHAIRMAN OF THE BOARD |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | PRESIDENT,CEO & DIRECTOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/FormationYr | 0 | 1922 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 11 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 2307887 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 10 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
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| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
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| IRS990/InsuranceGrp/TotalAmt | 0 | 12159 |
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| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 355737 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
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| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 79600 |
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| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 7256035 |
| IRS990/IRPDocumentCnt | 0 | 2553 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
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| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1398554 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1358575 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 2974516 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
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| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 76198 |
| IRS990/MissionDesc | 0 | THE CREDIT UNION ACCEPTS DEPOSITS AND GRANTS LOANS TO ITS MEMBERS. BENEFITS PAID ARE DIVIDENDS ON DEPOSIT ACCOUNTS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 8308381 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 9764939 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -100334 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 144246 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 144246 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 80586 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 80586 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 788812 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1404422 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 1477844 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 64253 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 64253 |
| IRS990/OtherExpensesGrp/Desc | 0 | DEBIT CARD/CREDIT CARD |
| IRS990/OtherExpensesGrp/Desc | 1 | PROFESSIONAL FEES, CONS |
| IRS990/OtherExpensesGrp/Desc | 2 | VARIOUS OPERATION EXPEN |
| IRS990/OtherExpensesGrp/Desc | 3 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 158822 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 93279 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 168481 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 52000 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 168481 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 158822 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 93279 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 52000 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 49369185 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 57598937 |
| IRS990/OtherOrganizationDsc | 0 | CREDIT UNION |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 522100 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 2 | 522100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | MEMBER CHECK & FEE |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | DEBIT CARD INCOME |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | CREDIT CARD INTERCAHNG |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 248198 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 185500 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 2 | 58104 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 248198 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 185500 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 58104 |
| IRS990/OtherRevenueTotalAmt | 0 | 568000 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 193839 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 387679 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 581518 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 23926123 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 26980500 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 14407 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 51081 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 65488 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 17945 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 35891 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 53836 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 16725 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 36455 |
| IRS990/PrincipalOfficerNm | 0 | DEBBIE C GUINEY |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST LOANS |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1384150 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1384150 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | GRANTING OF CREDIT (CONSUMER AND MORTGAGE LOAN PRODUCTS) TO MEMBERS. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 526651 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | OFFERING OF DEBIT AND CREDIT CARD SERVICES FOR MEMBER PURCHASES. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 168481 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 387520 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 410324 |
| IRS990/PYOtherExpensesAmt | 0 | 897527 |
| IRS990/PYOtherRevenueAmt | 0 | 646503 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1364018 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 257713 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 878085 |
| IRS990/PYTotalExpensesAmt | 0 | 2163132 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 2420845 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 79048 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 8308381 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 9764939 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 23893086 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 30014777 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 868796 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1015890 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 1884686 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 67876 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 568453 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 636329 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 421598 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 421598 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 305 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 31598 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 31903 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 17733 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 88314 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 57492890 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | OTHER LIABILITIES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | ATM NETWORK CLEARING |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | MEMBERS' SHARE AND DEPOSIT ACCOUNTS |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1358575 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 57598937 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990ScheduleJ/IndependentConsultantInd | 0 | X |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 147080 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 14340 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 22430 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 10659 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 358 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | DEBBIE C GUINEY |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT,CEO & DIRECTOR |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 194867 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION HAS MEMBERS |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE CREDIT UNION MEMBERS RATIFY DECISIONS OF THE GOVERNING BODY AT THEIR ANNUAL MEETING AND ELECT DIRECTORS AT THAT TIME. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | 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 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/ExplanationTxt | 4 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | EQUITY ACQUIRED IN MERGER 1,477,844. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | THE AUDIT COMMITTEE ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT AUDITOR. THE FINANCIAL STATEMENTS AUDIT IS NOT CONDUCTED ON A CALENDAR YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART XI, LINE 9: |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PAGE 12 PART XII, LINE 2C |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | MA |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 57677566 |
| IRS990/TotalAssetsEOYAmt | 0 | 67363876 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 57677566 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 67363876 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 1 |
| IRS990/TotalEmployeeCnt | 0 | 29 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 1194462 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 1034377 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2228839 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 49369185 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 57598937 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 49369185 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 57598937 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 8308381 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 9764939 |
| IRS990/TotalOtherCompensationAmt | 0 | 33089 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 1034377 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1384150 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 163278 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2307887 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 2307887 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 0 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $67,363,876
- Liabilities
- $57,598,937
- Net assets
- $9,764,939
- Revenue
- $2,307,887
- Expenses
- $2,228,839
- Net income
- $79,048