Liabilities / Assets
18th percentile
Higher debt load relative to assets than 18% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
18th percentile
Higher debt load relative to assets than 18% of similar nonprofits.
Liabilities / Revenue
80th percentile
Higher debt load relative to revenue than 80% of similar nonprofits.
Net Margin
59th percentile
Higher net margin than 59% of similar nonprofits.
Top Officer Pay
89th percentile
Higher top officer pay than 89% of similar nonprofits.
Top officer pay equals 8.9% of source-year revenue.
Asset Growth
9th percentile
Faster asset growth than 9% of similar nonprofits.
Revenue Growth
9th percentile
Faster revenue growth than 9% of similar nonprofits.
Assets
Down$67,165,927
Down $1,089,397 (-1.6%) from 2015
Net Assets
Up$10,495,663
Up $225,372 (+2.2%) from 2015
Liabilities
Down$56,670,264
Down $1,314,769 (-2.3%) from 2015
Revenue
Down$2,369,960
Down $77,096 (-3.2%) from 2015
Expenses
Up$2,117,445
Up $37,830 (+1.8%) from 2015
Net Income
Down$252,515
Down $114,926 (-31%) from 2015
The credit union accepts deposits and grants loans to its members. Benefits paid are dividends on deposit accounts.
The credit union accept deposits and grant loans to its members. Benefits paid are dividends on deposit accounts.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $30,089,900 | $30,113,001 | ▲ $23,101 |
| Savings and Temporary Cash Investments | $28,438,941 | $26,603,644 | ▼ $1,835,297 |
| Rtn Earn Endowment Incm Other Fnds | $10,270,291 | $10,495,663 | ▲ $225,372 |
| Investments in Publicly Traded Securities | $6,548,621 | $6,727,488 | ▲ $178,867 |
| Land, Buildings, and Equipment, Net | $1,274,556 | $1,214,692 | ▼ $59,864 |
| Cash and Non-Interest-Bearing Accounts | $221,542 | $285,658 | ▲ $64,116 |
| Investments Other Securities | $87,600 | $90,400 | ▲ $2,800 |
| Prepaid Expenses and Deferred Charges | $10,724 | $37,250 | ▲ $26,526 |
| Total Assets | $68,255,324 | $67,165,927 | ▼ $1,089,397 |
| Other Assets Total | $1,583,440 | $2,093,794 | ▲ $510,354 |
| Liabilities | |||
| Other Liabilities | $57,492,368 | $56,404,781 | ▼ $1,087,587 |
| Accounts Payable and Accrued Expenses | $492,665 | $265,483 | ▼ $227,182 |
| Total Liabilities | $57,985,033 | $56,670,264 | ▼ $1,314,769 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $10,270,291 | $10,495,663 | ▲ $225,372 |
| Total Liabilities and Net Assets / Fund Balance | $68,255,324 | $67,165,927 | ▼ $1,089,397 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $728,510 | $1,174,307 | $1,902,817 |
| Equipment | $63,933 | $639,625 | $703,558 |
| Land | $421,598 | - | $421,598 |
| Leasehold Improvements | $651 | $35,305 | $35,956 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Debra C Mark | Pres.,CEO & | FT | $174,535 | $36,037 | $210,572 |
| Debra C Mark | Pres.,CEO & Director | - | $155,684 | $54,888 | $210,572 |
| Margaret M Roche | Treasurer & | - | $1,500 | - | $1,500 |
| Name | Title |
|---|---|
| Joseph H Zukowski | Chairman of |
| John J Naughton | Vice Chairma |
| Dennis F Grimaldi | Director |
| Garry M Power | Director |
| James J Crosbie | Director |
| Paul B Vasington | Director |
| Stephen Rossetti | Director |
| James a Ciullo | Clerk & Dire |
| Line Item | Amount |
|---|---|
| Other Expenses | $952,094 |
| Salaries, Compensation, and Employee Benefits | $940,587 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $379,396 | $189,414 | - | $568,810 |
| Benefits to Members | $224,764 | - | - | $224,764 |
| Current Officers, Directors, Trustees, and Key Employees | - | $199,637 | - | $199,637 |
| Occupancy | - | $130,077 | - | $130,077 |
| Depreciation Depletion | - | $114,312 | - | $114,312 |
| All Other Expenses | $60,185 | $54,083 | - | $114,268 |
| Office Expenses | - | $73,659 | - | $73,659 |
| Other Employee Benefits | $32,180 | $28,501 | - | $60,681 |
| Payroll Taxes | $30,671 | $28,779 | - | $59,450 |
| Pension Plan Contributions | $34,690 | $17,319 | - | $52,009 |
| Other Expenses | $121,388 | $43,033 | - | $43,033 |
| Fees for Services Accounting | - | $32,860 | - | $32,860 |
| Insurance | - | $23,933 | - | $23,933 |
| Conferences and Meetings | - | $20,627 | - | $20,627 |
| Advertising | - | $12,643 | - | $12,643 |
| Fees for Services Legal | - | $6,008 | - | $6,008 |
| Total Functional Expenses | $1,087,728 | $1,029,717 | $0 | $2,117,445 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Shares & Deposits | $56,227,762 |
| Atm Clearing | $170,380 |
| Miscellaneous | $6,639 |
“The credit union has members”
“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.”
“The credit union members ratify decisions of the governing body at their annual meeting and elect directors at that time.”
“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.”
“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.”
“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.”
“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.”
“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.”
“Dividends and interest paid on members deposits.”
“Line 2c the audit commitee assumes responsibilty for the oversight of the audit of its financial statements and the selection of an independent auditor. The financial statement audit is not conducted on a calendar year.”
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/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 492665 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 265483 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | THE CREDIT UNION ACCEPT DEPOSITS AND GRANT LOANS TO ITS MEMBERS. BENEFITS PAID ARE DIVIDENDS ON DEPOSIT ACCOUNTS. |
| IRS990/AdvertisingGrp/ManagementAndGeneralAmt | 0 | 12643 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 12643 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 54083 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 60185 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 114268 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | false |
| IRS990/BenefitsToMembersGrp/ProgramServicesAmt | 0 | 224764 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 224764 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | DEBRA C MARK |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine2Txt | 0 | ALLCOM CREDIT UNION |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 5087549980 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 36 PARK AVENUE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | WORCESTER |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 01609 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 221542 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 285658 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 199637 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 199637 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt | 0 | 20627 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 20627 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 224764 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 425443 |
| IRS990/CYOtherExpensesAmt | 0 | 952094 |
| IRS990/CYOtherRevenueAmt | 0 | 514260 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1430257 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 252515 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 940587 |
| IRS990/CYTotalExpensesAmt | 0 | 2117445 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 2369960 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 114312 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 114312 |
| IRS990/Desc | 0 | DIVIDENDS AND INTEREST PAID ON MEMBERS DEPOSITS. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 31 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/ExpenseAmt | 0 | 224764 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 32860 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 32860 |
| IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt | 0 | 6008 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 6008 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.00 |
| 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/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 36037 |
| 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 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | DEBRA C MARK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | MARGARET M ROCHE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JOHN J NAUGHTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | JAMES A CIULLO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | JAMES J CROSBIE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | DENNIS F GRIMALDI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | GARRY M POWER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | JOSEPH H ZUKOWSKI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | PAUL B VASINGTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | STEPHEN ROSSETTI |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 174535 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 1500 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | PRES.,CEO & |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | TREASURER & |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | VICE CHAIRMA |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | CLERK & DIRE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | CHAIRMAN OF |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | DIRECTOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormationYr | 0 | 1922 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 10 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 2369960 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 23933 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 23933 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 425443 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 425443 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 87600 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 90400 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 6548621 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 6727488 |
| IRS990/IRPDocumentCnt | 0 | 1226 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1849237 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1274556 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1214692 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 3063929 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 73692 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 73692 |
| IRS990/MissionDesc | 0 | THE CREDIT UNION ACCEPT DEPOSITS AND GRANT LOANS TO ITS MEMBERS. BENEFITS PAID ARE DIVIDENDS ON DEPOSIT ACCOUNTS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 10270291 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 10495663 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -27143 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 130077 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 130077 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 73659 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 73659 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1583440 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 2093794 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 28501 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 32180 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 60681 |
| IRS990/OtherExpensesGrp/Desc | 0 | DEBIT CARD/CREDIT CARD PR |
| IRS990/OtherExpensesGrp/Desc | 1 | DATA PROCESSING SERVICES |
| IRS990/OtherExpensesGrp/Desc | 2 | OTHER OPERATING EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 3 | VARIOUS OPERATION EXPENSE |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 54832 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 43033 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 204454 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 121388 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 204454 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 121388 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 54832 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 43033 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 57492368 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 56404781 |
| IRS990/OtherOrganizationDsc | 0 | CREDIT UNION |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | MEMBER CHECK & FEE |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | DEBIT CARD INCOME |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | CREDIT CARD INTERCAHNGE |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 196402 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 188781 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 2 | 55385 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 196402 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 188781 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 55385 |
| IRS990/OtherRevenueTotalAmt | 0 | 514260 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 189414 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 379396 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 568810 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 30089900 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 30113001 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 28779 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 30671 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 59450 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 17319 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 34690 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 52009 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 10724 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 37250 |
| IRS990/PrincipalOfficerNm | 0 | DEBRA C MARK |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST LOANS |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1430257 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1430257 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | GRANTING OF CREDIT (CONSUMER AND MORTGAGE LOAN PRODUCTS) TO MEMBERS. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 622325 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | OFFERING OF DEBIT AND CREDIT CARD SERVICES FOR MEMBER PURCHASES. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 240639 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
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| IRS990/PYInvestmentIncomeAmt | 0 | 393744 |
| IRS990/PYOtherExpensesAmt | 0 | 906369 |
| IRS990/PYOtherRevenueAmt | 0 | 624134 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1429178 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 367441 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 928603 |
| IRS990/PYTotalExpensesAmt | 0 | 2079615 |
| IRS990/PYTotalRevenueAmt | 0 | 2447056 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 252515 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 10270291 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 10495663 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 28438941 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 26603644 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 728510 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1174307 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1902817 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 63933 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 639625 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 703558 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 421598 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 421598 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 651 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 35305 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 35956 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 56227762 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 170380 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 6639 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES & DEPOSITS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | ATM CLEARING |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | MISCELLANEOUS |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1214692 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 56404781 |
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| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990ScheduleJ/IndependentConsultantInd | 0 | X |
| IRS990/ScheduleJRequiredInd | 0 | true |
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| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 18000 |
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| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 851 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | DEBRA C MARK |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRES.,CEO & DIRECTOR |
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| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | DIVIDENDS AND INTEREST PAID ON MEMBERS DEPOSITS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE CREDIT UNION HAS MEMBERS |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | 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 | 3 | THE CREDIT UNION MEMBERS RATIFY DECISIONS OF THE GOVERNING BODY AT THEIR ANNUAL MEETING AND ELECT DIRECTORS AT THAT TIME. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | 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 | 6 | 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 | 7 | 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 | 8 | 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 | 9 | LINE 2C THE AUDIT COMMITEE ASSUMES RESPONSIBILTY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT AUDITOR. THE FINANCIAL STATEMENT AUDIT IS NOT CONDUCTED ON A CALENDAR YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART III |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 6, PART VI, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PAGE 6, PART VI, LINE 15B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | FORM 990, PART XII |
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| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | MA |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 68255324 |
| IRS990/TotalAssetsEOYAmt | 0 | 67165927 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 68255324 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 67165927 |
| IRS990/TotalCompGreaterThan150KInd | 0 | true |
| IRS990/TotalEmployeeCnt | 0 | 31 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 1029717 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 1087728 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2117445 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 57985033 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 56670264 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 57985033 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 56670264 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 10270291 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 10495663 |
| IRS990/TotalOtherCompensationAmt | 0 | 36037 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 1087728 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1430257 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 176035 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2369960 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 2369960 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 68255324 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 67165927 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 36 PARK AVENUE |
| IRS990/USAddress/CityNm | 0 | WORCESTER |
| IRS990/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990/USAddress/ZIPCd | 0 | 01609 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 10 |
| IRS990/VotingMembersIndependentCnt | 0 | 9 |
| IRS990/WebsiteAddressTxt | 0 | WWW.ALLCOMCU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2017-02-10 21:41:12Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | DEBRA C MARK |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRES.,CEO & DIRECTOR |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 5087549980 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2017-05-08 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | ALLCOM CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | ALLC |
| ReturnHeader/Filer/EIN | 0 | 041163260 |
| ReturnHeader/Filer/PhoneNum | 0 | 5087549980 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 36 PARK AVENUE |
| ReturnHeader/Filer/USAddress/CityNm | 0 | WORCESTER |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MA |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 01609 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId | 0 | A929A1A169D6FF880E92E3056E9A8AFB24CA4F4C |
| ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId | 0 | A929A1A169D6FF880E92E3056E9A8AFB24CA4F4C |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 042865785 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | MERCADANTE & MERCADANTE PC CPA'S |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | PO BOX 2125 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | FITCHBURG |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MA |
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Displayed year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.