Liabilities / Assets
17th percentile
Higher debt load relative to assets than 17% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
17th percentile
Higher debt load relative to assets than 17% of similar nonprofits.
Liabilities / Revenue
80th percentile
Higher debt load relative to revenue than 80% of similar nonprofits.
Net Margin
38th percentile
Higher net margin than 38% of similar nonprofits.
Top Officer Pay
88th percentile
Higher top officer pay than 88% of similar nonprofits.
Top officer pay equals 8.3% of source-year revenue.
Asset Growth
29th percentile
Faster asset growth than 29% of similar nonprofits.
Revenue Growth
43rd percentile
Faster revenue growth than 43% of similar nonprofits.
Assets
Up$66,975,105
Up $723,268 (+1.1%) from 2018
Net Assets
Up$11,433,894
Up $322,729 (+2.9%) from 2018
Liabilities
Up$55,541,211
Up $400,539 (+0.7%) from 2018
Revenue
Up$2,732,277
Up $145,494 (+5.6%) from 2018
Expenses
Up$2,478,191
Up $294,497 (+13%) from 2018
Net Income
Down$254,086
Down $149,003 (-37%) from 2018
The credit union accepts deposits and grants loans to its members. Benefits paid are dividends on deposit accounts.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $35,644,370 | $39,110,966 | ▲ $3,466,596 |
| Savings and Temporary Cash Investments | $22,577,110 | $19,917,978 | ▼ $2,659,132 |
| Rtn Earn Endowment Incm Other Fnds | $11,111,165 | $11,433,894 | ▲ $322,729 |
| Investments in Publicly Traded Securities | $4,193,306 | $4,102,005 | ▼ $91,301 |
| Land, Buildings, and Equipment, Net | $1,141,873 | $1,092,081 | ▼ $49,792 |
| Cash and Non-Interest-Bearing Accounts | $226,060 | $216,556 | ▼ $9,504 |
| Investments Other Securities | $93,700 | $93,700 | → $0 |
| Prepaid Expenses and Deferred Charges | $65,013 | $50,273 | ▼ $14,740 |
| Total Assets | $66,251,837 | $66,975,105 | ▲ $723,268 |
| Other Assets Total | $2,310,405 | $2,391,546 | ▲ $81,141 |
| Liabilities | |||
| Other Liabilities | $54,652,271 | $55,397,931 | ▲ $745,660 |
| Accounts Payable and Accrued Expenses | $488,401 | $143,280 | ▼ $345,121 |
| Total Liabilities | $55,140,672 | $55,541,211 | ▲ $400,539 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $11,111,165 | $11,433,894 | ▲ $322,729 |
| Total Liabilities and Net Assets / Fund Balance | $66,251,837 | $66,975,105 | ▲ $723,268 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $631,639 | $1,328,745 | $1,960,384 |
| Equipment | $29,913 | $706,386 | $736,299 |
| Land | $421,598 | - | $421,598 |
| Leasehold Improvements | $8,931 | $39,681 | $48,612 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Debra C Mark | Pres.,CEO & | FT | $187,213 | $39,939 | $227,152 |
| Debra C Mark | Pres.,CEO & Director | - | $169,090 | $58,062 | $227,152 |
| John J Naughton | Chairman of | - | $1,500 | - | $1,500 |
| Stephen Rossetti | Director | - | $1,125 | - | $1,125 |
| Margaret M Roche | Treasurer & | - | $375 | - | $375 |
| Name | Title |
|---|---|
| Dennis F Grimaldi | Director |
| Garry M Power | Director |
| James J Crosbie | Director |
| Paul B Vasington | Director |
| James a Ciullo | Clerk & Dire |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $1,210,626 |
| Other Expenses | $941,342 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $462,421 | $231,210 | - | $693,631 |
| Benefits to Members | $326,223 | - | - | $326,223 |
| Current Officers, Directors, Trustees, and Key Employees | - | $216,004 | - | $216,004 |
| Occupancy | - | $165,478 | - | $165,478 |
| Other Employee Benefits | $86,150 | $57,223 | - | $143,373 |
| Pension Plan Contributions | $56,686 | $28,343 | - | $85,029 |
| Office Expenses | - | $74,759 | - | $74,759 |
| Payroll Taxes | $40,937 | $31,652 | - | $72,589 |
| All Other Expenses | $24,000 | $25,197 | - | $49,197 |
| Depreciation Depletion | - | $36,926 | - | $36,926 |
| Conferences and Meetings | - | $31,203 | - | $31,203 |
| Advertising | - | $31,030 | - | $31,030 |
| Other Expenses | $29,763 | $116,807 | - | $29,763 |
| Fees for Services Accounting | - | $24,000 | - | $24,000 |
| Insurance | - | $20,066 | - | $20,066 |
| Total Functional Expenses | $1,388,293 | $1,089,898 | $0 | $2,478,191 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Shares & Deposits | $55,228,771 |
| Atm Clearing | $87,598 |
| Miscellaneous | $81,562 |
“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 | 488401 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 143280 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | THE CREDIT UNION ACCEPTS DEPOSITS AND GRANTS LOANS TO ITS MEMBERS. BENEFITS PAID ARE DIVIDENDS ON DEPOSIT ACCOUNTS. |
| IRS990/AdvertisingGrp/ManagementAndGeneralAmt | 0 | 31030 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 31030 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 25197 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 24000 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 49197 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BenefitsToMembersGrp/ProgramServicesAmt | 0 | 326223 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 326223 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | DEBRA C MARK |
| 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/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 226060 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 216556 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 216004 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 216004 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt | 0 | 31203 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 31203 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 326223 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 613503 |
| IRS990/CYOtherExpensesAmt | 0 | 941342 |
| IRS990/CYOtherRevenueAmt | 0 | 487186 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1631588 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 254086 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1210626 |
| IRS990/CYTotalExpensesAmt | 0 | 2478191 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 2732277 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 36926 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 36926 |
| 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/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 28 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/ExpenseAmt | 0 | 326223 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 24000 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 24000 |
| 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/AverageHoursPerWeekRt | 2 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 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/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 39939 |
| 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/PersonNm | 0 | DEBRA C MARK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | JOHN J NAUGHTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | STEPHEN ROSSETTI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | MARGARET M ROCHE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | JAMES A CIULLO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | JAMES J CROSBIE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | DENNIS F GRIMALDI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | GARRY M POWER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | PAUL B VASINGTON |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 187213 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 1500 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 1125 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 375 |
| 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/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/TitleTxt | 0 | PRES.,CEO & |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | CHAIRMAN OF |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | TREASURER & |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | CLERK & DIRE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | 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 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 2732277 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 8 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 20066 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 20066 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 613503 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 613503 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 93700 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 93700 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 4193306 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 4102005 |
| IRS990/IRPDocumentCnt | 0 | 1301 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 2074812 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1141873 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1092081 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 3166893 |
| 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 | 63018 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 63018 |
| IRS990/MissionDesc | 0 | THE CREDIT UNION ACCEPTS DEPOSITS AND GRANTS LOANS TO ITS MEMBERS. BENEFITS PAID ARE DIVIDENDS ON DEPOSIT ACCOUNTS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 11111165 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 11433894 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 68643 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 165478 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 165478 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 74759 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 74759 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 2310405 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 2391546 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 57223 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 86150 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 143373 |
| IRS990/OtherExpensesGrp/Desc | 0 | DEBIT CARD/CREDIT CARD PR |
| IRS990/OtherExpensesGrp/Desc | 1 | PROFESSIONAL FEES, CONSUL |
| IRS990/OtherExpensesGrp/Desc | 2 | VARIOUS OPERATION EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 3 | ELECTRONIC SERVICES - BIL |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 116807 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 199657 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 162456 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 29763 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 199657 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 162456 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 116807 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 29763 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 54652271 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 55397931 |
| IRS990/OtherOrganizationDsc | 0 | CREDIT UNION |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | DEBIT CARD INCOME |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | MEMBER CHECK & FEE |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | MISCELLANEOUS |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 200147 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 149309 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 2 | 74712 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 200147 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 149309 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 74712 |
| IRS990/OtherRevenueTotalAmt | 0 | 487186 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 231210 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 462421 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 693631 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 35644370 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 39110966 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 31652 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 40937 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 72589 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 28343 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 56686 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 85029 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 65013 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 50273 |
| IRS990/PrincipalOfficerNm | 0 | DEBRA C MARK |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST LOANS |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1631588 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1631588 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | GRANTING OF CREDIT (CONSUMER AND MORTGAGE LOAN PRODUCTS) TO MEMBERS. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 832650 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | OFFERING OF DEBIT AND CREDIT CARD SERVICES FOR MEMBER PURCHASES. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 229420 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 223216 |
| IRS990/PYInvestmentIncomeAmt | 0 | 551835 |
| IRS990/PYOtherExpensesAmt | 0 | 898912 |
| IRS990/PYOtherRevenueAmt | 0 | 510576 |
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| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES & DEPOSITS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | ATM CLEARING |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | MISCELLANEOUS |
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| 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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| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRES.,CEO & DIRECTOR |
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| ReturnHeader/FilingSecurityInformation/IPTm | 0 | 15:37:53 |
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Displayed year
2019 • Form 990Detailed filing. Detailed filing data is available for this year.