Civic Intelligence

First Choice Credit Union

990 • Fiscal year 2013 • EIN 04-1282555

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 08, 2014

Organization ProfileN/A

View Organization Page

55 Marston Street01841

(978) 691-6459

Siviq Scores

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

Liabilities / Assets

47th percentile

0.85x

Higher debt load relative to assets than 47% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Liabilities / Revenue

81st percentile

24.96x

Higher debt load relative to revenue than 81% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Net Margin

26th percentile

-6.3%

Higher net margin than 26% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Top Officer Pay

76th percentile

$64,406

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 21.8% of source-year revenue.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Asset Growth

91st percentile

8.2%

Faster asset growth than 91% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets47th percentile

Assets

Up

$8,678,006

Up $661,009 (+8.2%) from 2012

Net Assets

Down

$1,295,277

Down $18,537 (-1.4%) from 2012

Liabilities

Up

$7,382,729

Up $679,546 (+10%) from 2012

Revenue And Expenses
Liabilities / Revenue81st percentileNet Margin26th percentile

Revenue

$295,747

No earlier filing loaded for comparison.

Expenses

Up

$314,284

Up $13,912 (+4.6%) from 2012

Net Income

-$18,537

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth91st percentile

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

$10M$5.0M$0Assets 2011: $7,663,785Liabilities 2011: $6,385,379Net Assets 2011: $1,278,4062011Assets 2012: $8,016,997Liabilities 2012: $6,703,183Net Assets 2012: $1,313,8142012Assets 2013: $8,678,006Liabilities 2013: $7,382,729Net Assets 2013: $1,295,2772013Assets 2014: $8,313,326Liabilities 2014: $7,122,042Net Assets 2014: $1,191,2842014

Highlighted filing

2013

Assets$8,678,006
Liabilities$7,382,729
Net Assets$1,295,277
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$200K$0-$200KExpenses 2011: $290,2362011Expenses 2012: $300,3722012Revenue 2013: $295,747Expenses 2013: $314,284Net Income 2013: -$18,5372013Revenue 2014: $272,989Expenses 2014: $376,982Net Income 2014: -$103,9932014

Highlighted filing

2013

Revenue$295,747
Expenses$314,284
Net Income-$18,537
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 8, 2014
Return Version
2013v3.1
Gross Receipts
$295,747
Mission and Program Overview

Mission

Credit union - thrift services

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$4,618,307$5,411,741▲ $793,434
Other Notes and Loans Receivable, Net$3,272,836$3,135,102▼ $137,734
Rtn Earn Endowment Incm Other Fnds$1,313,814$1,295,277▼ $18,537
Prepaid Expenses and Deferred Charges$18,341$20,107▲ $1,766
Land, Buildings, and Equipment, Net$10,656$19,129▲ $8,473
Receivables From Officers Etc$23,028$16,230▼ $6,798
Cash and Non-Interest-Bearing Accounts$4,219$2,932▼ $1,287
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$8,016,997$8,678,006▲ $661,009
Other Assets Total$69,610$72,765▲ $3,155
Liabilities
Other Liabilities$6,686,798$7,367,159▲ $680,361
Accounts Payable and Accrued Expenses$16,385$15,570▼ $815
Total Liabilities$6,703,183$7,382,729▲ $679,546
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,313,814$1,295,277▼ $18,537
Total Liabilities and Net Assets / Fund Balance$8,016,997$8,678,006▲ $661,009

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$19,129$26,551$45,680
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Peter M VinciTreasurerFT$61,560$2,846$64,406
Judith FoleyAsst. TreasurerFT$40,300-$40,300
Thomas RallsPresidentPT$2,375-$2,375

Board Members and Trustees

NameTitle
Edwin RodriguezDirector
Gary BrownDirector
Jeffrey FontaineDirector
John TellierDirector
Melisa LemireDirector
Richard KalleryDirector
Richard PoirierDirector
Roberty MalenfantDirector
Robert JohnsonAsst. Treasurer
Joyce RichardsonSecretary/Clerk
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$215,051
Investment Income
$62,057
Other Revenue
$18,639
Change in Net Assets
$-18,537
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$195,421
Salaries, Compensation, and Employee Benefits$118,863
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees-$104,235-$104,235
Interest$64,459--$64,459
Office Expenses-$23,550-$23,550
Information Technology-$20,674-$20,674
All Other Expenses-$20,370-$20,370
Depreciation Depletion-$11,335-$11,335
Payroll Taxes-$8,850-$8,850
Insurance-$8,544-$8,544
Fees for Services Accounting-$8,032-$8,032
Other Expenses-$4,550-$4,550
Occupancy-$3,606-$3,606
Other Salaries and Wages-$2,932-$2,932
Other Employee Benefits-$2,846-$2,846
Travel-$864-$864
Fees for Services Legal-$625-$625
Conferences and Meetings-$-299-$-299
Total Functional Expenses$64,459$249,825$0$314,284
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$23,028$16,230▼ $6,798
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$7,367,159
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Persons who meet the requirements of the organization's field of membership who hold at least one share of the capital.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“The 990 is prepared by an outside accountant. The manager will review the return prior to filing.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“Based on earnings and industry.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“The financial statements are posted in each credit union's office lobby for each month end. Governing documents and policies are available upon request.”

Filing and Contact Details

Filer

EIN
04-1282555
Phone
9786916459

Signing Officer

Name
Peter Vinci
Title
Treasurer
Signed
2014-08-08
Discuss with paid preparer
Yes

Organization Details

Formed
1940
Legal Domicile
Ma
Voting Board Members
11
Independent Board Members
10
Employees
4
Volunteers
10

Preparer

Preparer
Robert Anderson
Phone
9782329300
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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/PayrollTaxesGrp/TotalAmt08850
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IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt018341
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt020107
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IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0215051
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IRS990/ProgSrvcAccomActy2Grp/Desc0MAKING LOANS TO MEMBERS AT INTEREST. NUMBER OF ACCOUNTS 398.
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IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
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IRS990/PYOtherRevenueAmt038757
IRS990/PYProgramServiceRevenueAmt0239624
IRS990/PYRevenuesLessExpensesAmt035408
IRS990/PYSalariesCompEmpBnftPaidAmt0139283
IRS990/PYTotalExpensesAmt0300372
IRS990/PYTotalRevenueAmt0335780
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IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt023028
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt016230
IRS990/ReconcilationRevenueExpnssAmt0-18537
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01313814
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IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt026551
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt045680
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt07367159
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt019129
IRS990ScheduleD/TotalLiabilityAmt07367159
IRS990/ScheduleJRequiredInd0false
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt14036
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3900
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt46100
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt51380
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4PERSONAL
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt05000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt17500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt22500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt31500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt47500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt51500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0THOMAS RALLS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1MELISSA RODRIGUEZ
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2GARY BROWN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3PETER M VINCI
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4PETER M VINCI
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5PETER M VINCI
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2DIRECTOR

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,678,006
Liabilities
$7,382,729
Net assets
$1,295,277
Revenue
$295,747
Expenses
$314,284
Net income
-$18,537
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$8.31$7.12$1.19$0.27$0.38$0.10
2013Detailed filing. Detailed filing data is available for this year.$8.68$7.38$1.30$0.30$0.31$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.02$6.70$1.31$0.30
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.66$6.39$1.28$0.29
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $5M-$10M nonprofits