Liabilities / Assets
27th percentile
Higher debt load relative to assets than 27% of similar nonprofits.
990 • Fiscal year 2013 • EIN 04-1558025
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
27th percentile
Higher debt load relative to assets than 27% of similar nonprofits.
Liabilities / Revenue
68th percentile
Higher debt load relative to revenue than 68% of similar nonprofits.
Net Margin
69th percentile
Higher net margin than 69% of similar nonprofits.
Top Officer Pay
26th percentile
Higher top officer pay than 26% of similar nonprofits.
Top officer pay equals 9.2% of source-year revenue.
Asset Growth
83rd percentile
Faster asset growth than 83% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Assets
Up$16,514,771
Up $940,482 (+6.0%) from 2012
Net Assets
Up$2,889,442
Up $49,456 (+1.7%) from 2012
Liabilities
Up$13,625,329
Up $891,026 (+7.0%) from 2012
Revenue
$579,133
No earlier filing loaded for comparison.
Expenses
Down$529,677
Down $2,099 (-0.4%) from 2012
Net Income
$49,456
No earlier filing loaded for comparison.
Credit union member thrift
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Savings and Temporary Cash Investments | $8,525,938 | $7,688,705 | ▼ $837,233 |
| Accounts Receivable | $5,874,467 | $6,812,874 | ▲ $938,407 |
| Rtn Earn Endowment Incm Other Fnds | $2,839,986 | $2,889,442 | ▲ $49,456 |
| Cash and Non-Interest-Bearing Accounts | $705,834 | $1,500,468 | ▲ $794,634 |
| Land, Buildings, and Equipment, Net | $262,414 | $232,338 | ▼ $30,076 |
| Receivables From Officers Etc | $31,639 | $99,778 | ▲ $68,139 |
| Prepaid Expenses and Deferred Charges | $36,907 | $32,306 | ▼ $4,601 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $15,574,289 | $16,514,771 | ▲ $940,482 |
| Other Assets Total | $137,090 | $148,302 | ▲ $11,212 |
| Liabilities | |||
| Other Liabilities | $12,705,086 | $13,595,532 | ▲ $890,446 |
| Accounts Payable and Accrued Expenses | $29,217 | $29,797 | ▲ $580 |
| Total Liabilities | $12,734,303 | $13,625,329 | ▲ $891,026 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $2,839,986 | $2,889,442 | ▲ $49,456 |
| Total Liabilities and Net Assets / Fund Balance | $15,574,289 | $16,514,771 | ▲ $940,482 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $84,000 | $223,500 | - |
| Land | $119,000 | - | - |
| Equipment | $4,688 | $231,521 | - |
| Leasehold Improvements | $24,650 | $35,775 | - |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Ronald Bouchard | Treasurer | PT | $53,000 | $53,000 |
| James Davis | Manager/COO | PT | $52,716 | $52,716 |
| Michael Boldrighini | Director/CEO | PT | $5,841 | $5,841 |
| Name | Title |
|---|---|
| Patrick R Mccabe Jr | President |
| Gerald Quinlan | Director |
| Jason T Strunk | Director |
| Paul Cronk | Director |
| Robert W Kohanski | Director |
| Robert W Littlefield | Director |
| Robert a Bennet | Director |
| Line Item | Amount |
|---|---|
| Other Expenses | $338,374 |
| Salaries, Compensation, and Employee Benefits | $191,303 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $117,297 | - | - | $117,297 |
| Current Officers, Directors, Trustees, and Key Employees | $58,841 | - | - | $58,841 |
| Interest | $56,813 | - | - | $56,813 |
| All Other Expenses | $47,125 | - | - | $47,125 |
| Insurance | $23,984 | - | - | $23,984 |
| Fees for Services Accounting | $17,300 | - | - | $17,300 |
| Payroll Taxes | $15,069 | - | - | $15,069 |
| Other Expenses | $12,000 | - | - | $12,000 |
| Depreciation Depletion | $11,750 | - | - | $11,750 |
| Fees for Services Other | $9,420 | - | - | $9,420 |
| Conferences and Meetings | $7,813 | - | - | $7,813 |
| Advertising | $4,726 | - | - | $4,726 |
| Fees for Services Legal | $3,640 | - | - | $3,640 |
| Other Employee Benefits | $96 | - | - | $96 |
| Total Functional Expenses | $529,677 | $0 | $0 | $529,677 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $31,639 | $99,778 | ▲ $68,139 |
| Liability | Amount |
|---|---|
| Members Shares & Deposits | $13,595,532 |
“The credit union is owned by its members.”
“Credit union members elect their volunteer board of directors who are also members of the credit union. One member, one vote.”
“Any major changes to the credit union by-laws must be approved by the membership”
“The accounting manager prepares the 990. The president/ceo reviews the form for accuracy. The credit union's outside cpa auditor reviews the form and makes any necessary corrections before electronically filing the report on the credit union's behalf. The 990 is available for the board and supervisory committee to review.”
“Professional credit union compensation surveys are obtained and provided to the board. The board uses this information in conjunction with a review of the performance of the ceo to determine an appropriate compensation amount. The board votes on the ceo's compensation.”
“The credit union's bylaws are available upon request. Financial statements are posted in the cu main lobby and are available upon request. They can also be viewed on ncua's website.”
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 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 29217 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 29797 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 5874467 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 6812874 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | CREDIT UNION MEMBER THRIFT |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 4726 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 4726 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 47125 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 47125 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1 | 0 | MICHAEL BOLDRIGHINI |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 9784532734 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 642 CHELMSFORD STREET |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | LOWELL |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | MA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 01851 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 705834 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1500468 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 58841 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 58841 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 7813 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 7813 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 0 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 94070 |
| IRS990/CYOtherExpensesAmt | 0 | 338374 |
| IRS990/CYOtherRevenueAmt | 0 | 87410 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 397653 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 49456 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 191303 |
| IRS990/CYTotalExpensesAmt | 0 | 529677 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 579133 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 11750 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 11750 |
| IRS990/Desc | 0 | MAINTENANCE OF MEMBER SHARE AND DEPOSIT ACCOUNTS AND THE PAYMENT OF INTEREST THEREON. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 6 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 0 |
| IRS990/ExpenseAmt | 0 | 529677 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 17300 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 17300 |
| IRS990/FeesForServicesLegalGrp/ProgramServicesAmt | 0 | 3640 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 3640 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 9420 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 9420 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 28.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 28.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 28.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 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/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| 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/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | MICHAEL BOLDRIGHINI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | ROBERT W KOHANSKI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | PATRICK R MCCABE JR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | ROBERT A BENNET |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | RONALD BOUCHARD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | ROBERT W LITTLEFIELD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | GERALD QUINLAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | JASON T STRUNK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | JAMES DAVIS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | PAUL CRONK |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 5841 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 53000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 52716 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 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/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | DIRECTOR/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | MANAGER/COO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | DIRECTOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1936 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 10 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 579133 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 31200 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 10 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 23984 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 23984 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 56813 |
| IRS990/InterestGrp/TotalAmt | 0 | 56813 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 94070 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 94070 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 490796 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 262414 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 232338 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 723134 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| IRS990/LessRentalExpensesGrp/RealAmt | 0 | 0 |
| IRS990/LoanOutstandingInd | 0 | 1 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | CREDIT UNION MEMBER THRIFT |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 2839986 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 2889442 |
| IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt | 0 | 31200 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 31200 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 137090 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 148302 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 96 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 96 |
| IRS990/OtherExpensesGrp/Desc | 0 | OPERATING EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 1 | DATA PROCESSING |
| IRS990/OtherExpensesGrp/Desc | 2 | BANK BUILDING EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 3 | REAL ESTATE TAXES |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 95443 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 32591 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 15769 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 12000 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 95443 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 32591 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 15769 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 12000 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 12705086 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 13595532 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 900099 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 900099 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | FEE INCOME |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | MISC INCOME |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 28844 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 27366 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 28844 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 27366 |
| IRS990/OtherRevenueTotalAmt | 0 | 56210 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 117297 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 117297 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 15069 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 15069 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 36907 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 32306 |
| IRS990/PrincipalOfficerNm | 0 | MICHAEL BOLDRIGHINI |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 541700 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 397653 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 397653 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 98610 |
| IRS990/PYOtherExpensesAmt | 0 | 348156 |
| IRS990/PYOtherRevenueAmt | 0 | 82901 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 416087 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 65822 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 183620 |
| IRS990/PYTotalExpensesAmt | 0 | 531776 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 597598 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 31639 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 99778 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 49456 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 31200 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 579133 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 2839986 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 2889442 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 8525938 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 7688705 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 84000 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 223500 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 307500 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 4688 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 231521 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 236209 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 119000 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 119000 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 24650 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 35775 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 60425 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 13595532 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBERS SHARES & DEPOSITS |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 232338 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 13595532 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 11156 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 3069 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 2 | 10873 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 3 | 14821 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 4 | 21651 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 5 | 26561 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 6 | 11647 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 2 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 3 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 4 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 5 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 6 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 2 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 3 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 4 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 5 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 6 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 1 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 2 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 3 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 4 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 5 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 6 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | AUTO LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 1 | AUTO LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 2 | AUTO LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 3 | AUTO LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 4 | AUTO LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 5 | AUTO LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 6 | AUTO LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 12000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 1 | 10000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 2 | 15000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 3 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 4 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 5 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 6 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | ROBERT BENNETT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 1 | PATRICK MCCABE |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 2 | GARRETT QUINLAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 3 | PAUL D CRONK JR |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 4 | ROBERT BENNETT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 5 | JASON T STRUNK |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 6 | BRIAN W CALLAHAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 1 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 2 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 3 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 4 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 5 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 6 | 1 |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 99778 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION IS OWNED BY ITS MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | CREDIT UNION MEMBERS ELECT THEIR VOLUNTEER BOARD OF DIRECTORS WHO ARE ALSO MEMBERS OF THE CREDIT UNION. ONE MEMBER, ONE VOTE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | ANY MAJOR CHANGES TO THE CREDIT UNION BY-LAWS MUST BE APPROVED BY THE MEMBERSHIP |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE ACCOUNTING MANAGER PREPARES THE 990. THE PRESIDENT/CEO REVIEWS THE FORM FOR ACCURACY. THE CREDIT UNION'S OUTSIDE CPA AUDITOR REVIEWS THE FORM AND MAKES ANY NECESSARY CORRECTIONS BEFORE ELECTRONICALLY FILING THE REPORT ON THE CREDIT UNION'S BEHALF. THE 990 IS AVAILABLE FOR THE BOARD AND SUPERVISORY COMMITTEE TO REVIEW. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | PROFESSIONAL CREDIT UNION COMPENSATION SURVEYS ARE OBTAINED AND PROVIDED TO THE BOARD. THE BOARD USES THIS INFORMATION IN CONJUNCTION WITH A REVIEW OF THE PERFORMANCE OF THE CEO TO DETERMINE AN APPROPRIATE COMPENSATION AMOUNT. THE BOARD VOTES ON THE CEO'S COMPENSATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE CREDIT UNION'S BYLAWS ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED IN THE CU MAIN LOBBY AND ARE AVAILABLE UPON REQUEST. THEY CAN ALSO BE VIEWED ON NCUA'S WEBSITE. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 15574289 |
| IRS990/TotalAssetsEOYAmt | 0 | 16514771 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 15574289 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 16514771 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 6 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 529677 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 529677 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 12734303 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 13625329 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 12734303 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 13625329 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 2839986 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 2889442 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 529677 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 397653 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 111557 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 579133 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 579133 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 0 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 15574289 |
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Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.