Civic Intelligence

Allcom Credit Union

990 • Fiscal year 2022 • EIN 04-1163260

Jan 01, 2022 to Dec 31, 2022 • Filed on Aug 23, 2023

Organization ProfileWWW.ALLCOMCU.ORG

View Organization Page

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

28th percentile

0.87x

Higher debt load relative to assets than 28% of similar nonprofits.

2022 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2022

Liabilities / Revenue

77th percentile

26.81x

Higher debt load relative to revenue than 77% of similar nonprofits.

2022 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2022

Net Margin

45th percentile

12%

Higher net margin than 45% of similar nonprofits.

2022 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2022

Top Officer Pay

88th percentile

$224,935

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 8.7% of source-year revenue.

2022 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2022

Asset Growth

31st percentile

-1.1%

Faster asset growth than 31% of similar nonprofits.

2022 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2022

Revenue Growth

30th percentile

2.9%

Faster revenue growth than 30% of similar nonprofits.

2022 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets28th percentile

Assets

Down

$79,689,682

Down $888,750 (-1.1%) from 2021

Net Assets

Down

$10,475,342

Down $982,797 (-8.6%) from 2021

Liabilities

Up

$69,214,340

Up $94,047 (+0.1%) from 2021

Revenue And Expenses
Liabilities / Revenue77th percentileNet Margin45th percentile

Revenue

Up

$2,581,253

Up $73,853 (+2.9%) from 2021

Expenses

Down

$2,267,125

Down $132,560 (-5.5%) from 2021

Net Income

Up

$314,128

Up $206,413 (+192%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth31st percentile

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

2022

Assets$79,689,682
Liabilities$69,214,340
Net Assets$10,475,342
Open 2022 Filing

Operations Trend

Revenue Growth30th percentile

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

2022

Revenue$2,581,253
Expenses$2,267,125
Net Income$314,128
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Aug 23, 2023
Return Version
2022v5.0
Gross Receipts
$2,581,253
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$45,079,304$45,862,493▲ $783,189
Investments in Publicly Traded Securities$14,025,092$15,642,382▲ $1,617,290
Savings and Temporary Cash Investments$16,414,833$13,198,076▼ $3,216,757
Rtn Earn Endowment Incm Other Fnds$11,458,139$10,475,342▼ $982,797
Land, Buildings, and Equipment, Net$2,244,417$2,111,289▼ $133,128
Cash and Non-Interest-Bearing Accounts$209,545$228,487▲ $18,942
Investments Other Securities$93,700$93,700→ $0
Prepaid Expenses and Deferred Charges$63,294$53,979▼ $9,315
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$80,578,432$79,689,682▼ $888,750
Other Assets Total$2,448,247$2,499,276▲ $51,029
Liabilities
Other Liabilities$68,430,024$68,615,478▲ $185,454
Escrow Account Liability$374,493$380,344▲ $5,851
Accounts Payable and Accrued Expenses$315,776$218,518▼ $97,258
Total Liabilities$69,120,293$69,214,340▲ $94,047
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,458,139$10,475,342▼ $982,797
Total Liabilities and Net Assets / Fund Balance$80,578,432$79,689,682▼ $888,750

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,448,531$1,535,604$2,984,135
Equipment$178,470$834,902$1,013,372
Land$421,598-$421,598
Leasehold Improvements$62,690$51,022$113,712
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Laura YbarraPres., CEO & DirectorFT$167,409$57,526$224,935
Debra C MarkFormer President /CEO/director-$22,451-$22,451
John J NaughtonChairman of the Board-$2,000-$2,000
Stephen RossettiTreasurer & Director-$1,500-$1,500

Board Members and Trustees

NameTitle
Ryan MarshallChairman, Alm Committee
Kevin Maguire JrChairman, Credit Committee
Jennifer RocheChairwomen, Personnel Committee
Sean M HunterVice Chairman of the Board
James a CiulloClerk & Director
Dennis F GrimaldiDirector
Hung PhamDirector
Karen StoyanoffDirector
Scott MorrisonDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
SynergentIt ServicesPO BOX 1236, Portland, ME 04104$242,088
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,715,065
Investment Income
$367,824
Other Revenue
$498,364
Change in Net Assets
$314,128
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,105,774
Salaries, Compensation, and Employee Benefits$1,029,334
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$389,741$194,868-$584,609
Current Officers, Directors, Trustees, and Key Employees-$241,703-$241,703
Occupancy-$223,118-$223,118
Benefits to Members$132,017--$132,017
Other Employee Benefits$65,453$41,908-$107,361
Depreciation Depletion-$82,227-$82,227
Office Expenses-$71,403-$71,403
Payroll Taxes$33,182$30,406-$63,588
Advertising-$42,706-$42,706
Pension Plan Contributions$21,382$10,691-$32,073
Other Expenses$29,536$148,684-$29,536
Fees for Services Accounting-$26,250-$26,250
Insurance-$24,443-$24,443
All Other Expenses-$21,732-$21,732
Conferences and Meetings-$21,628-$21,628
Total Functional Expenses$1,085,358$1,181,767$0$2,267,125
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$68,346,142
Atm Clearing$169,809
Miscellaneous$99,527
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, 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 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, 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

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

Signing Officer

Name
Laura C Ybarra
Title
President, CEO & Director
Phone
5087549980
Signed
2023-08-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Laura C Ybarra
Formed
1922
Legal Domicile
Ma
Voting Board Members
12
Independent Board Members
11
Employees
25
Volunteers
0

Preparer

Firm
Spinelli CPA Pc
Address
146 WEST BOYLSTON DRIVE SUITE 302, WORCESTER, MA 01606
Preparer
Karen Spinelli
Phone
5083656522
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“The credit union holds funds in escrow to pay insurance and taxes on behalf of its mortgage loan accounts.”

PART X, LINE 2:

“Management has analyzed the tax positions taken by the credit union and has concluded there are no uncertain positions taken or expected to be taken that would require recognition of a liability or disclosure in the financial statements.”

Raw XML AppendixShowing 400 of 478 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.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt1CLERK & DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER & DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6CHAIRMAN, CREDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHAIRMAN, ALM COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHAIRWOMEN, PERSONNEL COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11FORMER PRESIDENT /CEO/DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12PRES., CEO & DIRECTOR
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IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt024443
IRS990/InsuranceGrp/TotalAmt024443
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt093700
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt093700
IRS990/InvestmentsPubTradedSecGrp/BOYAmt014025092
IRS990/InvestmentsPubTradedSecGrp/EOYAmt015642382
IRS990/IRPDocumentCnt0961
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02421528
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02244417
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02111289
IRS990/LandBldgEquipCostOrOtherBssAmt04532817
IRS990/LegalDomicileStateCd0MA
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt061833
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt061833
IRS990/MissionDesc0THE CREDIT UNION ACCEPTS DEPOSITS AND GRANTS LOANS TO ITS MEMBERS. BENEFITS PAID ARE DIVIDENDS ON DEPOSIT ACCOUNTS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt011458139
IRS990/NetAssetsOrFundBalancesEOYAmt010475342
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-1296925
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt0223118
IRS990/OccupancyGrp/TotalAmt0223118
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt071403
IRS990/OfficeExpensesGrp/TotalAmt071403
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02448247
IRS990/OtherAssetsTotalGrp/EOYAmt02499276
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt041908
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt065453
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0107361
IRS990/OtherExpensesGrp/Desc0DEBIT CARD /CREDIT CARD
IRS990/OtherExpensesGrp/Desc1PROFESSIONAL FEES, CONS
IRS990/OtherExpensesGrp/Desc2VARIOUS OPERATION EXPEN
IRS990/OtherExpensesGrp/Desc3ELECTRONIC SERVICES-BIL
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0148684
IRS990/OtherExpensesGrp/ProgramServicesAmt0214590
IRS990/OtherExpensesGrp/ProgramServicesAmt1199457
IRS990/OtherExpensesGrp/ProgramServicesAmt229536
IRS990/OtherExpensesGrp/TotalAmt0214590
IRS990/OtherExpensesGrp/TotalAmt1199457
IRS990/OtherExpensesGrp/TotalAmt2148684
IRS990/OtherExpensesGrp/TotalAmt329536
IRS990/OtherLiabilitiesGrp/BOYAmt068430024
IRS990/OtherLiabilitiesGrp/EOYAmt068615478
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0DEBIT CARD INCOME
IRS990/OtherRevenueMiscGrp/Desc1MEMBER CHECKS & FEES
IRS990/OtherRevenueMiscGrp/Desc2CREDIT CARD INTERCHANG
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0222986
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1146775
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt266770
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0222986
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1146775
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt266770
IRS990/OtherRevenueTotalAmt0498364
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0194868
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0389741
IRS990/OtherSalariesAndWagesGrp/TotalAmt0584609
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt045079304
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt045862493
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt030406
IRS990/PayrollTaxesGrp/ProgramServicesAmt033182
IRS990/PayrollTaxesGrp/TotalAmt063588
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt010691
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt021382
IRS990/PensionPlanContributionsGrp/TotalAmt032073
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt063294
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt053979
IRS990/PrincipalOfficerNm0LAURA C YBARRA
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01715065
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01715065
IRS990/ProgSrvcAccomActy2Grp/Desc0GRANTING OF CREDIT (CONSUMER AND MORTGAGE LOAN PRODUCTS) TO MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0709215
IRS990/ProgSrvcAccomActy3Grp/Desc0OFFERING OF DEBIT AND CREDIT CARD SERVICES FOR MEMBER PURCHASES.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0244126
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0167131
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0315342
IRS990/PYOtherExpensesAmt01011590
IRS990/PYOtherRevenueAmt0532418
IRS990/PYProgramServiceRevenueAmt01659640
IRS990/PYRevenuesLessExpensesAmt0107715
IRS990/PYSalariesCompEmpBnftPaidAmt01220964
IRS990/PYTotalExpensesAmt02399685
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02507400
IRS990/ReconcilationRevenueExpnssAmt0314128
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt011458139
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt010475342
IRS990/SavingsAndTempCashInvstGrp/BOYAmt016414833
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013198076
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01448531
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01535604
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02984135
IRS990ScheduleD/EquipmentGrp/BookValueAmt0178470
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0834902
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01013372
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt0421598
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0421598
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt062690
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt051022
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0113712
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0169809
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt199527
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt268346142
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ATM CLEARING
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MISCELLANEOUS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MEMBER SHARES & DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HOLDS FUNDS IN ESCROW TO PAY INSURANCE AND TAXES ON BEHALF OF ITS MORTGAGE LOAN ACCOUNTS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1MANAGEMENT HAS ANALYZED THE TAX POSITIONS TAKEN BY THE CREDIT UNION AND HAS CONCLUDED THERE ARE NO UNCERTAIN POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY OR DISCLOSURE IN THE FINANCIAL STATEMENTS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02111289
IRS990ScheduleD/TotalLiabilityAmt068615478
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0167409
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount019800
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt028472
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt09182
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt072
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0LAURA YBARRA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRES., CEO & DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0224935
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE 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/ExplanationTxt2THE CREDIT UNION MEMBERS RATIFY DECISIONS OF THE GOVERNING BODY AT THEIR ANNUAL MEETING AND ELECT DIRECTORS AT THAT TIME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 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/ExplanationTxt4THE 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/ExplanationTxt5THE 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/ExplanationTxt6THE 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/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$79,689,682
Liabilities
$69,214,340
Net assets
$10,475,342
Revenue
$2,581,253
Expenses
$2,267,125
Net income
$314,128
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