Civic Intelligence

Holyoke Credit Union

990 • Fiscal year 2017 • EIN 04-1448660

Jan 01, 2017 to Dec 31, 2017 • Filed on Apr 13, 2018

Organization Profilewww.holyokecu.com

View Organization Page

490 Westfield RoadHolyoke, MA 01040

(413) 532-7007

Siviq Scores

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

Liabilities / Assets

74th percentile

0.91x

Higher debt load relative to assets than 74% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Liabilities / Revenue

53rd percentile

18.09x

Higher debt load relative to revenue than 53% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Net Margin

34th percentile

7.7%

Higher net margin than 34% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Top Officer Pay

46th percentile

$204,650

Higher top officer pay than 46% of similar nonprofits.

Top officer pay equals 2.1% of source-year revenue.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Asset Growth

78th percentile

7.0%

Faster asset growth than 78% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Revenue Growth

52nd percentile

6.5%

Faster revenue growth than 52% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets74th percentile

Assets

Up

$195,462,491

Up $12,759,411 (+7.0%) from 2016

Net Assets

Up

$17,867,888

Up $599,850 (+3.5%) from 2016

Liabilities

Up

$177,594,603

Up $12,159,561 (+7.4%) from 2016

Revenue And Expenses
Liabilities / Revenue53rd percentileNet Margin34th percentile

Revenue

Up

$9,818,528

Up $598,642 (+6.5%) from 2016

Expenses

Up

$9,060,164

Up $689,425 (+8.2%) from 2016

Net Income

Down

$758,364

Down $90,783 (-11%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth78th percentile

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

$300M$200M$100M$0Assets 2010: $134,894,896Liabilities 2010: $121,250,876Net Assets 2010: $13,644,0202010Assets 2011: $139,786,285Liabilities 2011: $125,484,301Net Assets 2011: $14,301,9842011Assets 2012: $136,907,776Liabilities 2012: $121,463,769Net Assets 2012: $15,444,0072012Assets 2013: $137,492,624Liabilities 2013: $121,843,823Net Assets 2013: $15,648,8012013Assets 2014: $145,435,131Liabilities 2014: $129,383,363Net Assets 2014: $16,051,7682014Assets 2015: $153,742,050Liabilities 2015: $137,056,950Net Assets 2015: $16,685,1002015Assets 2016: $182,703,080Liabilities 2016: $165,435,042Net Assets 2016: $17,268,0382016Assets 2017: $195,462,491Liabilities 2017: $177,594,603Net Assets 2017: $17,867,8882017Assets 2018: $196,145,655Liabilities 2018: $177,788,401Net Assets 2018: $18,357,2542018Assets 2019: $205,289,367Liabilities 2019: $185,777,709Net Assets 2019: $19,511,6582019Assets 2020: $227,078,051Liabilities 2020: $204,839,766Net Assets 2020: $22,238,2852020Assets 2021: $242,121,845Liabilities 2021: $220,863,049Net Assets 2021: $21,258,7962021Assets 2022: $254,372,424Liabilities 2022: $243,653,988Net Assets 2022: $10,718,4362022Assets 2023: $268,762,394Liabilities 2023: $255,541,291Net Assets 2023: $13,221,1032023Assets 2024: $290,153,007Liabilities 2024: $275,900,841Net Assets 2024: $14,252,1662024

Highlighted filing

2017

Assets$195,462,491
Liabilities$177,594,603
Net Assets$17,867,888
Open 2017 Filing

Operations Trend

Revenue Growth52nd percentile

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

$20M$15M$10M$5.0M$0Expenses 2010: $7,695,3452010Expenses 2011: $7,469,0162011Expenses 2012: $8,229,2282012Revenue 2013: $8,983,991Expenses 2013: $7,964,913Net Income 2013: $1,019,0782013Revenue 2014: $8,042,213Expenses 2014: $7,766,327Net Income 2014: $275,8862014Revenue 2015: $8,277,493Expenses 2015: $7,736,330Net Income 2015: $541,1632015Revenue 2016: $9,219,886Expenses 2016: $8,370,739Net Income 2016: $849,1472016Revenue 2017: $9,818,528Expenses 2017: $9,060,164Net Income 2017: $758,3642017Revenue 2018: $10,328,968Expenses 2018: $9,672,783Net Income 2018: $656,1852018Revenue 2019: $11,655,369Expenses 2019: $10,644,557Net Income 2019: $1,010,8122019Revenue 2020: $10,939,108Expenses 2020: $9,304,369Net Income 2020: $1,634,7392020Revenue 2021: $10,425,579Expenses 2021: $8,909,846Net Income 2021: $1,515,7332021Revenue 2022: $10,438,136Expenses 2022: $9,354,398Net Income 2022: $1,083,7382022Revenue 2023: $12,721,013Expenses 2023: $12,497,017Net Income 2023: $223,9962023Revenue 2024: $15,347,549Expenses 2024: $15,093,907Net Income 2024: $253,6422024

Highlighted filing

2017

Revenue$9,818,528
Expenses$9,060,164
Net Income$758,364
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 13, 2018
Return Version
2017v2.3
Gross Receipts
$9,818,528
Mission and Program Overview

Mission

CREDIT UNION

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$121,236,235$133,179,873▲ $11,943,638
Investments in Publicly Traded Securities$29,902,033$31,281,582▲ $1,379,549
Rtn Earn Endowment Incm Other Fnds$17,268,038$17,867,888▲ $599,850
Savings and Temporary Cash Investments$15,551,173$15,653,745▲ $102,572
Land, Buildings, and Equipment, Net$4,938,566$4,799,225▼ $139,341
Prepaid Expenses and Deferred Charges$3,919,445$4,368,175▲ $448,730
Cash and Non-Interest-Bearing Accounts$3,355,096$2,055,318▼ $1,299,778
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$182,703,080$195,462,491▲ $12,759,411
Other Assets Total$3,800,532$4,124,573▲ $324,041
Liabilities
Other Liabilities$127,899,923$137,880,834▲ $9,980,911
Mortgage Notes Payable Secured by Investment Property$36,535,263$38,356,125▲ $1,820,862
Accounts Payable and Accrued Expenses$999,856$1,357,644▲ $357,788
Grants Payable$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$165,435,042$177,594,603▲ $12,159,561
Net Assets / Fund Balance
Total Net Assets Fund Balance$17,268,038$17,867,888▲ $599,850
Total Liabilities and Net Assets / Fund Balance$182,703,080$195,462,491▲ $12,759,411

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,361,091$1,286,865-
Land$424,200--
Equipment$760,447$1,192,346-
Leasehold Improvements$253,487$282,921-
Compensation and Service Providers
Top Officer Pay46th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Michael E MurphyPres./CEOFT$204,650$204,650
Jay WolohanExecutive Vice PresidentFT$120,407$120,407
DANIEL O'NEILLSenior Vice Pres Comm LendingFT$106,667$106,667

Board Members and Trustees

NameTitle
Thomas G PaquinChairman
Joseph A BeaulieuTreasurer/audit Comm Chair
Anne Marie MaronaDirector
Dennis MoranDirector
Edward J DalyDirector
Jeffrey R PrzekopowskiDirector
Karl SchmaelzleDirector
Michael GhazilDirector
Robert A PerkinsDirector
Robert E SwanDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,480,575
Investment Income
$6,337,953
Other Revenue
$0
Change in Net Assets
$758,364

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,818,528
Total Revenue per Audited Statements
$9,818,528
Total Revenue per Form 990
$9,818,528
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,897,520
Salaries, Compensation, and Employee Benefits$3,162,644
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$2,032,998-$2,032,998
All Other Expenses-$1,628,359-$1,628,359
Interest$525,225$599,244-$1,124,469
Other Expenses-$1,043,072-$1,043,072
Occupancy-$518,528-$518,528
Office Expenses-$511,284-$511,284
Current Officers, Directors, Trustees, and Key Employees-$431,724-$431,724
Depreciation Depletion-$351,176-$351,176
Other Employee Benefits-$277,493-$277,493
Pension Plan Contributions-$225,625-$225,625
Payroll Taxes-$194,804-$194,804
Advertising-$177,094-$177,094
Fees for Services Accounting-$80,894-$80,894
Insurance-$55,342-$55,342
Conferences and Meetings-$42,824-$42,824
Fees for Services Legal-$12,901-$12,901
Total Functional Expenses$525,225$8,534,939$0$9,060,164

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$9,060,164
Total Expenses per Audited Statements$9,060,164
Total Expenses per Form 990$9,060,164
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$137,880,834
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

SECTION C DISCLOSURE: PART VI, SECTION C, QUESTION 19

“The organization makes its governing documents, conflict of interest policy and financial statements available to the public upon request.”

SECTION B DISCLOSURE: PART VI, SECTION B, 11B

“A board member reviews the 990 before it is filed.”

Filing and Contact Details

Filer

Filer Name
Holyoke Credit Union
EIN
04-1448660
In Care Of
% MICHAEL E MURPHY
Address
490 WESTFIELD ROAD, HOLYOKE, MA 01040

Signing Officer

Name
Michael E Murphy
Title
Pres/CEO
Phone
4135327007
Signed
2018-04-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael E Murphy
Formed
1911
Legal Domicile
Ma
Voting Board Members
10
Independent Board Members
0
Employees
50

Preparer

Firm
Aubrey & Dixon LLC
Address
330 Whitney Ave Suite 440, Holyoke, MA 01040
Preparer
Robert C Dixon
Phone
4135341160
Supplemental Narrative

Additional Explanations

Part XI, Number 5

“Change in unrealized gain on investments”

Form 990 Part IX Line 24 - Other Expenses

“Description:outside services total expenses:1416124 management and general:1416124”

Form 990 Part IX Line 24 - Other Expenses

“Description:payroll expenses total expenses:5663 management and general:5663”

Form 990 Part IX Line 24 - Other Expenses

“Description:loan loss provision total expenses:206572 management and general:206572”

Raw XML AppendixShowing 400 of 483 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/FormationYr01911
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/FundraisingDirectExpensesAmt00
IRS990/FundraisingGrossIncomeAmt00
IRS990/GamingActivitiesInd0false
IRS990/GamingDirectExpensesAmt00
IRS990/GamingGrossIncomeAmt00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt09818528
IRS990/GrossSalesOfInventoryAmt00
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt055342
IRS990/InsuranceGrp/TotalAmt055342
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt0599244
IRS990/InterestGrp/ProgramServicesAmt0525225
IRS990/InterestGrp/TotalAmt01124469
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt06205801
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt06205801
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt029902033
IRS990/InvestmentsPubTradedSecGrp/EOYAmt031281582
IRS990/IRPDocumentCnt04867
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02762132
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04938566
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04799225
IRS990/LandBldgEquipCostOrOtherBssAmt07561357
IRS990/LegalDomicileStateCd0MA
IRS990/LoanOutstandingInd0false
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CREDIT UNION
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt036535263
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt038356125
IRS990/NetAssetsOrFundBalancesBOYAmt017268038
IRS990/NetAssetsOrFundBalancesEOYAmt017867888
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0132152
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0132152
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-158514
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt0518528
IRS990/OccupancyGrp/TotalAmt0518528
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0511284
IRS990/OfficeExpensesGrp/TotalAmt0511284
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03800532
IRS990/OtherAssetsTotalGrp/EOYAmt04124573
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0277493
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0277493
IRS990/OtherExpensesGrp/Desc0MSR AMORTIZATION
IRS990/OtherExpensesGrp/Desc1CU DIRECT EXPENSES
IRS990/OtherExpensesGrp/Desc2LOSS ON SALE OF OTHER AUTO
IRS990/OtherExpensesGrp/Desc3BANK CHARGES AND OTHER
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0347295
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt11274
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt23008
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt31043072
IRS990/OtherExpensesGrp/TotalAmt0347295
IRS990/OtherExpensesGrp/TotalAmt11274
IRS990/OtherExpensesGrp/TotalAmt23008
IRS990/OtherExpensesGrp/TotalAmt31043072
IRS990/OtherLiabilitiesGrp/BOYAmt0127899923
IRS990/OtherLiabilitiesGrp/EOYAmt0137880834
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt02032998
IRS990/OtherSalariesAndWagesGrp/TotalAmt02032998
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0121236235
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0133179873
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0194804
IRS990/PayrollTaxesGrp/TotalAmt0194804
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0225625
IRS990/PensionPlanContributionsGrp/TotalAmt0225625
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt03919445
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt04368175
IRS990/PrincipalOfficerNm0MICHAEL E MURPHY
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0PROGRAM SERVICE REVENUE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03480575
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03480575
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt05866698
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt05398804
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt03353188
IRS990/PYRevenuesLessExpensesAmt0849147
IRS990/PYSalariesCompEmpBnftPaidAmt02971935
IRS990/PYTotalExpensesAmt08370739
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt09219886
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0758364
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt017268038
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt017867888
IRS990/SavingsAndTempCashInvstGrp/BOYAmt015551173
IRS990/SavingsAndTempCashInvstGrp/EOYAmt015653745
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt03361091
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01286865
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt04647956
IRS990ScheduleD/EquipmentGrp/BookValueAmt0760447
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01192346
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt01952793
IRS990ScheduleD/ExpensesSubtotalAmt09060164
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0424200
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0424200
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0253487
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0282921
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0536408
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0137880834
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/RevenueSubtotalAmt09818528
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04799225
IRS990ScheduleD/TotalExpensesPerForm990Amt09060164
IRS990ScheduleD/TotalLiabilityAmt0137880834
IRS990ScheduleD/TotalRevenuePerForm990Amt09818528
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt09818528
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt09060164
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0204650
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MICHAEL E MURPHY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRES./CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0204650
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A BOARD MEMBER REVIEWS THE 990 BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CHANGE IN UNREALIZED GAIN ON INVESTMENTS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DESCRIPTION:OUTSIDE SERVICES TOTAL EXPENSES:1416124 MANAGEMENT AND GENERAL:1416124
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DESCRIPTION:PAYROLL EXPENSES TOTAL EXPENSES:5663 MANAGEMENT AND GENERAL:5663
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DESCRIPTION:LOAN LOSS PROVISION TOTAL EXPENSES:206572 MANAGEMENT AND GENERAL:206572
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0SECTION C DISCLOSURE: PART VI, SECTION C, QUESTION 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1SECTION B DISCLOSURE: PART VI, SECTION B, 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XI, NUMBER 5
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990 PART IX LINE 24 - OTHER EXPENSES
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990 PART IX LINE 24 - OTHER EXPENSES

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$195,462,491
Liabilities
$177,594,603
Net assets
$17,867,888
Revenue
$9,818,528
Expenses
$9,060,164
Net income
$758,364
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$290$276$14.3$15.3$15.1$0.25
2023Detailed filing. Detailed filing data is available for this year.$269$256$13.2$12.7$12.5$0.22
2022Detailed filing. Detailed filing data is available for this year.$254$244$10.7$10.4$9.35$1.08
2021Detailed filing. Detailed filing data is available for this year.$242$221$21.3$10.4$8.91$1.52
2020Detailed filing. Detailed filing data is available for this year.$227$205$22.2$10.9$9.30$1.63
2019Detailed filing. Detailed filing data is available for this year.$205$186$19.5$11.7$10.6$1.01
2018Detailed filing. Detailed filing data is available for this year.$196$178$18.4$10.3$9.67$0.66
2017Detailed filing. Detailed filing data is available for this year.$195$178$17.9$9.82$9.06$0.76
2016Detailed filing. Detailed filing data is available for this year.$183$165$17.3$9.22$8.37$0.85
2015Detailed filing. Detailed filing data is available for this year.$154$137$16.7$8.28$7.74$0.54
2014Detailed filing. Detailed filing data is available for this year.$145$129$16.1$8.04$7.77$0.28
2013Detailed filing. Detailed filing data is available for this year.$137$122$15.6$8.98$7.96$1.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$137$121$15.4$8.23
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$140$125$14.3$7.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$135$121$13.6$7.70