Civic Intelligence

Allcom Credit Union

990 • Fiscal year 2019 • EIN 04-1163260

Jan 01, 2019 to Dec 31, 2019 • Filed on May 05, 2020

36 Park AvenueWorcester, MA 01609

(508) 754-9980

Siviq Scores

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

Liabilities / Assets

17th percentile

0.83x

Higher debt load relative to assets than 17% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Liabilities / Revenue

80th percentile

20.33x

Higher debt load relative to revenue than 80% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Net Margin

38th percentile

9.3%

Higher net margin than 38% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Top Officer Pay

88th percentile

$227,152

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 8.3% of source-year revenue.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Asset Growth

29th percentile

1.1%

Faster asset growth than 29% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2018 to 2019

Revenue Growth

43rd percentile

5.6%

Faster revenue growth than 43% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2018 to 2019

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

Historical Trend

Balance Sheet Trend

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

$100M$50M$0Assets 2010: $56,086,757Liabilities 2010: $48,327,884Net Assets 2010: $7,758,8732010Assets 2011: $56,685,958Liabilities 2011: $48,683,911Net Assets 2011: $8,002,0472011Assets 2012: $57,677,566Liabilities 2012: $49,369,185Net Assets 2012: $8,308,3812012Assets 2013: $67,363,876Liabilities 2013: $57,598,937Net Assets 2013: $9,764,9392013Assets 2014: $66,173,984Liabilities 2014: $56,209,942Net Assets 2014: $9,964,0422014Assets 2015: $68,255,324Liabilities 2015: $57,985,033Net Assets 2015: $10,270,2912015Assets 2016: $67,165,927Liabilities 2016: $56,670,264Net Assets 2016: $10,495,6632016Assets 2017: $68,126,511Liabilities 2017: $57,392,401Net Assets 2017: $10,734,1102017Assets 2018: $66,251,837Liabilities 2018: $55,140,672Net Assets 2018: $11,111,1652018Assets 2019: $66,975,105Liabilities 2019: $55,541,211Net Assets 2019: $11,433,8942019Assets 2020: $75,546,777Liabilities 2020: $63,960,749Net Assets 2020: $11,586,0282020Assets 2021: $80,578,432Liabilities 2021: $69,120,293Net Assets 2021: $11,458,1392021Assets 2022: $79,689,682Liabilities 2022: $69,214,340Net Assets 2022: $10,475,3422022Assets 2023: $78,702,922Liabilities 2023: $67,246,401Net Assets 2023: $11,456,5212023Assets 2024: $78,978,570Liabilities 2024: $66,868,943Net Assets 2024: $12,109,6272024

Highlighted filing

2019

Assets$66,975,105
Liabilities$55,541,211
Net Assets$11,433,894

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $2,466,8052010Expenses 2011: $2,368,7442011Revenue 2012: $2,420,845Expenses 2012: $2,163,132Net Income 2012: $257,7132012Revenue 2013: $2,307,887Expenses 2013: $2,228,839Net Income 2013: $79,0482013Revenue 2014: $2,310,804Expenses 2014: $2,130,629Net Income 2014: $180,1752014Revenue 2015: $2,447,056Expenses 2015: $2,079,615Net Income 2015: $367,4412015Revenue 2016: $2,369,960Expenses 2016: $2,117,445Net Income 2016: $252,5152016Revenue 2017: $2,459,337Expenses 2017: $2,188,362Net Income 2017: $270,9752017Revenue 2018: $2,586,783Expenses 2018: $2,183,694Net Income 2018: $403,0892018Revenue 2019: $2,732,277Expenses 2019: $2,478,191Net Income 2019: $254,0862019Revenue 2020: $2,605,109Expenses 2020: $2,504,435Net Income 2020: $100,6742020Revenue 2021: $2,507,400Expenses 2021: $2,399,685Net Income 2021: $107,7152021Revenue 2022: $2,581,253Expenses 2022: $2,267,125Net Income 2022: $314,1282022Revenue 2023: $3,270,336Expenses 2023: $2,685,476Net Income 2023: $584,8602023Revenue 2024: $3,691,561Expenses 2024: $3,195,774Net Income 2024: $495,7872024

Highlighted filing

2019

Revenue$2,732,277
Expenses$2,478,191
Net Income$254,086
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
May 5, 2020
Return Version
2019v5.0
Gross Receipts
$2,732,277
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
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 Categories

AssetBook ValueDepreciationBasis
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
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Debra C MarkPres.,CEO &FT$187,213$39,939$227,152
Debra C MarkPres.,CEO & Director-$169,090$58,062$227,152
John J NaughtonChairman of-$1,500-$1,500
Stephen RossettiDirector-$1,125-$1,125
Margaret M RocheTreasurer &-$375-$375

Board Members and Trustees

NameTitle
Dennis F GrimaldiDirector
Garry M PowerDirector
James J CrosbieDirector
Paul B VasingtonDirector
James a CiulloClerk & Dire
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,631,588
Investment Income
$613,503
Other Revenue
$487,186
Change in Net Assets
$254,086
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
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

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
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
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$55,228,771
Atm Clearing$87,598
Miscellaneous$81,562
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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, Page 6, Part VI, Line 6

The credit union has members

Form 990, Page 6, Part VI, 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, Page 6, Part VI, Line 7B

The credit union members ratify decisions of the governing body at their annual meeting and elect directors at that time.

Form 990, Page 6, Part VI, Line 11B

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.

Form 990, Page 6, Part VI, 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, Page 6, Part VI, Line 15A

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, Page 6, Part VI, Line 15B

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, Page 6, Part VI, 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

Filer Name
Allcom Credit Union
EIN
04-1163260
Phone
5087549980
Address
36 PARK AVENUE, WORCESTER, MA 01609

Signing Officer

Name
Debra C Mark
Title
Pres.,CEO & Director
Phone
5087549980
Signed
2020-05-05

Organization Details

Principal Officer
Debra C Mark
Formed
1922
Legal Domicile
Ma
Voting Board Members
9
Independent Board Members
8
Employees
28

Preparer

Firm
MERCADANTE & MERCADANTE PC CPA'S
Address
29 MECHANIC ST PO BOX 2125, FITCHBURG, MA 01420-0013
Preparer
Anthony J Mercadante
Phone
9783420647
Supplemental Narrative

Additional Explanations

Form 990, Part III

Dividends and interest paid on members deposits.

Form 990, Part XII

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.

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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0200147
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1149309
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt274712
IRS990/OtherRevenueTotalAmt0487186
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0231210
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0462421
IRS990/OtherSalariesAndWagesGrp/TotalAmt0693631
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt035644370
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt039110966
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt031652
IRS990/PayrollTaxesGrp/ProgramServicesAmt040937
IRS990/PayrollTaxesGrp/TotalAmt072589
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt028343
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt056686
IRS990/PensionPlanContributionsGrp/TotalAmt085029
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt065013
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt050273
IRS990/PrincipalOfficerNm0DEBRA C MARK
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01631588
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01631588
IRS990/ProgSrvcAccomActy2Grp/Desc0GRANTING OF CREDIT (CONSUMER AND MORTGAGE LOAN PRODUCTS) TO MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0832650
IRS990/ProgSrvcAccomActy3Grp/Desc0OFFERING OF DEBIT AND CREDIT CARD SERVICES FOR MEMBER PURCHASES.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0229420
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0223216
IRS990/PYInvestmentIncomeAmt0551835
IRS990/PYOtherExpensesAmt0898912
IRS990/PYOtherRevenueAmt0510576
IRS990/PYProgramServiceRevenueAmt01524372
IRS990/PYRevenuesLessExpensesAmt0403089
IRS990/PYSalariesCompEmpBnftPaidAmt01061566
IRS990/PYTotalExpensesAmt02183694
IRS990/PYTotalRevenueAmt02586783
IRS990/ReconcilationRevenueExpnssAmt0254086
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt011111165
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt011433894
IRS990/SavingsAndTempCashInvstGrp/BOYAmt022577110
IRS990/SavingsAndTempCashInvstGrp/EOYAmt019917978
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0631639
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01328745
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01960384
IRS990ScheduleD/EquipmentGrp/BookValueAmt029913
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0706386
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0736299
IRS990ScheduleD/LandGrp/BookValueAmt0421598
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0421598
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt08931
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt039681
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt048612
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt055228771
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt187598
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt281562
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ATM CLEARING
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MISCELLANEOUS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01092081
IRS990ScheduleD/TotalLiabilityAmt055397931
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0169090
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount017194
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt025791
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt014148
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt0929
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0DEBRA C MARK
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRES.,CEO & DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0227152
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SubstantiationRequiredInd0true
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd0true
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DIVIDENDS AND INTEREST PAID ON MEMBERS DEPOSITS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAS MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE 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/ExplanationTxt3THE CREDIT UNION MEMBERS RATIFY DECISIONS OF THE GOVERNING BODY AT THEIR ANNUAL MEETING AND ELECT DIRECTORS AT THAT TIME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE 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/ExplanationTxt5THE 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/ExplanationTxt6THE 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/ExplanationTxt7THE 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/ExplanationTxt8THE 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/ExplanationTxt9LINE 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/FormAndLineReferenceDesc0FORM 990, PART III
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XII
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt066251837
IRS990/TotalAssetsEOYAmt066975105
IRS990/TotalAssetsGrp/BOYAmt066251837
IRS990/TotalAssetsGrp/EOYAmt066975105
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt028
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt01089898
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01388293
IRS990/TotalFunctionalExpensesGrp/TotalAmt02478191
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt055140672
IRS990/TotalLiabilitiesEOYAmt055541211
IRS990/TotalLiabilitiesGrp/BOYAmt055140672
IRS990/TotalLiabilitiesGrp/EOYAmt055541211
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt011111165
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt011433894
IRS990/TotalOtherCompensationAmt039939
IRS990/TotalProgramServiceExpensesAmt01388293
IRS990/TotalProgramServiceRevenueAmt01631588
IRS990/TotalReportableCompFromOrgAmt0190213
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02732277
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02732277
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt066251837
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt066975105
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt036 PARK AVENUE
IRS990/USAddress/CityNm0WORCESTER
IRS990/USAddress/StateAbbreviationCd0MA
IRS990/USAddress/ZIPCd001609
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.ALLCOMCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02021-01-29 14:40:06Z
ReturnHeader/BusinessOfficerGrp/PersonNm0DEBRA C MARK
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRES.,CEO & DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum05087549980
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-05-05
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ALLCOM CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ALLC
ReturnHeader/Filer/EIN0041163260
ReturnHeader/Filer/PhoneNum05087549980
ReturnHeader/Filer/USAddress/AddressLine1Txt036 PARK AVENUE
ReturnHeader/Filer/USAddress/CityNm0WORCESTER
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001609
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId01EF207E8A1CE5BD833C271BC31BBF72BD6D83C9D
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId01EF207E8A1CE5BD833C271BC31BBF72BD6D83C9D
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt074.104.175.19
ReturnHeader/FilingSecurityInformation/IPDt02020-05-12
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm015:37:53
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0042865785
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0MERCADANTE & MERCADANTE PC CPA'S

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$79.0$66.9$12.1$3.69$3.20$0.50
2023Detailed filing. Detailed filing data is available for this year.$78.7$67.2$11.5$3.27$2.69$0.58
2022Detailed filing. Detailed filing data is available for this year.$79.7$69.2$10.5$2.58$2.27$0.31
2021Detailed filing. Detailed filing data is available for this year.$80.6$69.1$11.5$2.51$2.40$0.11
2020Detailed filing. Detailed filing data is available for this year.$75.5$64.0$11.6$2.61$2.50$0.10
2019Detailed filing. Detailed filing data is available for this year.$67.0$55.5$11.4$2.73$2.48$0.25
2018Detailed filing. Detailed filing data is available for this year.$66.3$55.1$11.1$2.59$2.18$0.40
2017Detailed filing. Detailed filing data is available for this year.$68.1$57.4$10.7$2.46$2.19$0.27
2016Detailed filing. Detailed filing data is available for this year.$67.2$56.7$10.5$2.37$2.12$0.25
2015Detailed filing. Detailed filing data is available for this year.$68.3$58.0$10.3$2.45$2.08$0.37
2014Detailed filing. Detailed filing data is available for this year.$66.2$56.2$9.96$2.31$2.13$0.18
2013Detailed filing. Detailed filing data is available for this year.$67.4$57.6$9.76$2.31$2.23$0.08
2012Summary only. Only limited summary data is available for this year.$57.7$49.4$8.31$2.42$2.16$0.26
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.7$48.7$8.00$2.37
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.1$48.3$7.76$2.47