Civic Intelligence

Massachusetts Postal Employees Credit Union

EIN 04-1564035 • 501(c)14 • Lynn, MA

Profile

Provide financial services to postal employees and their families.

51 Willow StLynn, MA 01901

massfamilycu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

34th percentile

0.83x

Higher debt load relative to assets than 34% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2019

Liabilities / Revenue

61st percentile

17.44x

Higher debt load relative to revenue than 61% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2019

Net Margin

59th percentile

11%

Higher net margin than 59% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2019

Top Officer Pay

85th percentile

$121,000

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 11.2% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2019

Asset Growth

37th percentile

-1.9%

Faster asset growth than 37% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Revenue Growth

44th percentile

4.8%

Faster revenue growth than 44% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets34th percentile

Assets

Down

$22,711,000

Down $444,642 (-1.9%) from 2018

Liabilities

Down

$18,774,967

Down $557,097 (-2.9%) from 2018

Net Assets

Up

$3,936,033

Up $112,455 (+2.9%) from 2018

Operations
Liabilities / Revenue61st percentileNet Margin59th percentile

Revenue

Up

$1,076,853

Up $49,507 (+4.8%) from 2018

Expenses

Up

$962,391

Up $78,465 (+8.9%) from 2018

Net Income

Down

$114,462

Down $28,958 (-20%) from 2018

Trend Graphs

Balance Sheet Trend

Asset Growth37th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2010: $16,655,451Liabilities 2010: $13,957,951Net Assets 2010: $2,697,5002010Assets 2011: $18,204,030Liabilities 2011: $15,348,361Net Assets 2011: $2,855,6692011Assets 2012: $18,959,599Liabilities 2012: $15,911,610Net Assets 2012: $3,047,9892012Assets 2013: $20,682,669Liabilities 2013: $17,520,200Net Assets 2013: $3,162,4692013Assets 2014: $20,914,008Liabilities 2014: $17,640,071Net Assets 2014: $3,273,9372014Assets 2015: $21,742,990Liabilities 2015: $18,322,671Net Assets 2015: $3,420,3192015Assets 2016: $21,898,716Liabilities 2016: $18,343,703Net Assets 2016: $3,555,0132016Assets 2017: $22,936,729Liabilities 2017: $19,256,571Net Assets 2017: $3,680,1582017Assets 2018: $23,155,642Liabilities 2018: $19,332,064Net Assets 2018: $3,823,5782018Assets 2019: $22,711,000Liabilities 2019: $18,774,967Net Assets 2019: $3,936,0332019

Highlighted filing

2019

Assets$22,711,000
Liabilities$18,774,967
Net Assets$3,936,033
Open 2019 Filing

Operations Trend

Revenue Growth44th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0Expenses 2010: $796,7452010Revenue 2011: $995,676Expenses 2011: $837,507Net Income 2011: $158,1692011Revenue 2012: $1,015,307Expenses 2012: $822,987Net Income 2012: $192,3202012Revenue 2013: $998,012Expenses 2013: $883,532Net Income 2013: $114,4802013Revenue 2014: $1,010,373Expenses 2014: $898,905Net Income 2014: $111,4682014Revenue 2015: $972,585Expenses 2015: $826,203Net Income 2015: $146,3822015Revenue 2016: $974,793Expenses 2016: $840,101Net Income 2016: $134,6922016Revenue 2017: $983,621Expenses 2017: $858,476Net Income 2017: $125,1452017Revenue 2018: $1,027,346Expenses 2018: $883,926Net Income 2018: $143,4202018Revenue 2019: $1,076,853Expenses 2019: $962,391Net Income 2019: $114,4622019

Highlighted filing

2019

Revenue$1,076,853
Expenses$962,391
Net Income$114,462
Open 2019 Filing

Filings

Most recent year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$22,711,000
Liabilities
$18,774,967
Net assets
$3,936,033
Revenue
$1,076,853
Expenses
$962,391
Net income
$114,462
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019Detailed filing. Detailed filing data is available for this year.$22.7$18.8$3.94$1.08$0.96$0.11
2018Detailed filing. Detailed filing data is available for this year.$23.2$19.3$3.82$1.03$0.88$0.14
2017Detailed filing. Detailed filing data is available for this year.$22.9$19.3$3.68$0.98$0.86$0.13
2016Detailed filing. Detailed filing data is available for this year.$21.9$18.3$3.56$0.97$0.84$0.13
2015Detailed filing. Detailed filing data is available for this year.$21.7$18.3$3.42$0.97$0.83$0.15
2014Detailed filing. Detailed filing data is available for this year.$20.9$17.6$3.27$1.01$0.90$0.11
2013Detailed filing. Detailed filing data is available for this year.$20.7$17.5$3.16$1.00$0.88$0.11
2012Summary only. Only limited summary data is available for this year.$19.0$15.9$3.05$1.02$0.82$0.19
2011Summary only. Only limited summary data is available for this year.$18.2$15.3$2.86$1.00$0.84$0.16
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.7$14.0$2.70$0.80
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Mar 12, 2020
Return Version
2019v5.0
Gross Receipts
$1,076,853
Mission and Program Overview

Mission

Provide financial services to postal employees and their families.

Provide financial services to postal employees and their families

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$17,786,339$18,569,152▲ $782,813
Investments Other Securities$3,042,336$2,599,544▼ $442,792
Savings and Temporary Cash Investments$954,398$845,782▼ $108,616
Cash and Non-Interest-Bearing Accounts$1,199,646$437,474▼ $762,172
Prepaid Expenses and Deferred Charges$37,704$128,179▲ $90,475
Accounts Receivable$51,190$73,725▲ $22,535
Land, Buildings, and Equipment, Net$84,029$57,144▼ $26,885
Receivable From Disqualified Prsn$0--
Receivables From Officers Etc$0$0→ $0
Loans From Officers Directors$0--
Total Assets$23,155,642$22,711,000▼ $444,642
Liabilities
Accounts Payable and Accrued Expenses$18,060,543$17,648,645▼ $411,898
Other Liabilities$1,271,521$1,126,322▼ $145,199
Escrow Account Liability$0--
Total Liabilities$19,332,064$18,774,967▼ $557,097
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$3,823,578$3,936,033▲ $112,455
Net Assets With Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$3,823,578$3,936,033▲ $112,455
Total Liabilities and Net Assets / Fund Balance$23,155,642$22,711,000▼ $444,642

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$57,144$107,856$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$0$0$0
Leasehold Improvements$0$0$0
Other Securities$2,599,544--
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Cornelius CreanCEOFT$121,000$121,000
Lawrence DayVice ChairmanPT$3,000$3,000
Richard CoppingerChairmanPT$3,000$3,000
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,076,853
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$114,462

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,076,853
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$1,076,853
Total Revenue per Form 990
$1,076,853
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$362,114
Other Expenses$266,985
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$333,292
Comp Disqual Persons---$167,015
Office Expenses---$133,527
Current Officers, Directors, Trustees, and Key Employees---$121,000
Occupancy---$50,690
Depreciation Depletion---$36,038
Other Employee Benefits---$27,303
Pension Plan Contributions---$26,100
Payroll Taxes---$20,696
Fees for Services Accounting---$17,691
Travel---$11,656
Conferences and Meetings---$11,383
Advertising---$6,000
Total Functional Expenses$0$0$0$962,391

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$962,391
Total Expenses per Audited Statements$962,391
Total Expenses per Form 990$962,391
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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
Insider Transactions and Loans

Loans and Receivables

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

Other Reported Liabilities

LiabilityAmount
loan fhlb$1,126,322
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“audit commitee”

Form 990, Part VI, Section B, Line 15

“board of directors approval”

Form 990, Part VI, Section C, Line 18

“available at office”

Form 990, Part VI, Section C, Line 19

“at the office”

Filing and Contact Details

Filer

Filer Name
Massachusetts Postal Employees Credit Union
EIN
04-1564035
Phone
7815926051
Address
51 WILLOW ST, LYNN, MA 01901

Signing Officer

Name
neil crean
Title
CEO
Phone
7815926051
Signed
2020-03-12

Organization Details

Principal Officer
cornelius crean
Formed
1926
Legal Domicile
Ma
Voting Board Members
9
Independent Board Members
9
Employees
5
Volunteers
9
Supplemental Narrative

Financial Statement Notes

Schedule D, Part XII, Line 2D

“dividends”

Raw XML Appendix360 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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0loan fhlb
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt02599544
IRS990ScheduleD/OtherSecuritiesGrp/Desc0certificate of deposits
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IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt01076853
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0dividends
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part XII, Line 2d
IRS990ScheduleD/TotalBookValueLandBuildingsAmt057144
IRS990ScheduleD/TotalBookValueSecuritiesAmt02599544
IRS990ScheduleD/TotalExpensesPerForm990Amt0962391
IRS990ScheduleD/TotalLiabilityAmt01126322
IRS990ScheduleD/TotalRevenuePerForm990Amt01076853
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01076853
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0962391
IRS990/ScheduleJRequiredInd00
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0audit commitee
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1board of directors approval
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2available at office
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3at the office
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section C, Line 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, Line 19
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IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
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IRS990/TerminateOperationsInd00
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0962391
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt019332064
IRS990/TotalLiabilitiesEOYAmt018774967
IRS990/TotalLiabilitiesGrp/BOYAmt019332064
IRS990/TotalLiabilitiesGrp/EOYAmt018774967
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03823578
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03936033
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt09
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt098039
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt098048
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0962382
IRS990/TotalProgramServiceRevenueAmt01076853
IRS990/TotalReportableCompFromOrgAmt0127000
IRS990/TotalRevenueGrp/ExclusionAmt09
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01076844
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01076853
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt022711000
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt011656
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/USAddress/AddressLine1Txt011 adams st
IRS990/USAddress/CityNm0salem
IRS990/USAddress/StateAbbreviationCd0MA
IRS990/USAddress/ZIPCd001970
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0massfamilycu.com
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02021-04-22 16:20:28Z
ReturnHeader/BusinessOfficerGrp/PersonNm0neil crean
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0ceo
ReturnHeader/BusinessOfficerGrp/PhoneNum07815926051
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-03-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MASSACHUSETTS POSTAL EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MASS
ReturnHeader/Filer/EIN0041564035
ReturnHeader/Filer/PhoneNum07815926051
ReturnHeader/Filer/USAddress/AddressLine1Txt051 WILLOW ST
ReturnHeader/Filer/USAddress/CityNm0LYNN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001901
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt023.30.190.92
ReturnHeader/ReturnTs02020-03-12T15:10:42-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

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