Civic Intelligence

Lynn Teachers Credit Union

EIN 04-1564245 • 501(c)14 • Lynn, MA

Profile

Lynn teachers credit union is a corporation providing financial services to the teachers and employees of the lynn school department.

33 North Common StreetLynn, MA 01902-4311

www.lynnteacherscu.org

Siviq Scores

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

Liabilities / Assets

34th percentile

0.82x

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

501(c)14 • $5M-$10M nonprofits • Source year 2023

Liabilities / Revenue

49th percentile

17.11x

Higher debt load relative to revenue than 49% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2023

Net Margin

51st percentile

4.4%

Higher net margin than 51% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

33rd percentile

-4.9%

Faster asset growth than 33% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2022 to 2023

Revenue Growth

99th percentile

69%

Faster revenue growth than 99% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets34th percentile

Assets

Down

$4,869,740

Down $147,958 (-2.9%) from 2023

Liabilities

Down

$3,893,547

Down $239,788 (-5.8%) from 2023

Net Assets

Up

$976,193

Up $91,830 (+10%) from 2023

Operations
Liabilities / Revenue49th percentileNet Margin51st percentile

Revenue

Up

$297,195

Up $55,600 (+23%) from 2023

Expenses

Up

$235,422

Up $4,411 (+1.9%) from 2023

Net Income

Up

$61,773

Up $51,189 (+484%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth33rd percentile

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

$6.0M$4.0M$2.0M$0Assets 2011: $4,037,093Liabilities 2011: $3,289,008Net Assets 2011: $748,0852011Assets 2012: $4,125,273Liabilities 2012: $3,374,384Net Assets 2012: $750,8892012Assets 2013: $4,250,738Liabilities 2013: $3,499,549Net Assets 2013: $751,1892013Assets 2014: $4,399,666Liabilities 2014: $3,648,201Net Assets 2014: $751,4652014Assets 2015: $4,451,480Liabilities 2015: $3,698,782Net Assets 2015: $752,6982015Assets 2016: $4,586,456Liabilities 2016: $3,874,692Net Assets 2016: $711,7642016Assets 2017: $4,455,578Liabilities 2017: $3,712,274Net Assets 2017: $743,3042017Assets 2018: $4,596,352Liabilities 2018: $3,817,786Net Assets 2018: $778,5662018Assets 2019: $4,691,651Liabilities 2019: $3,878,965Net Assets 2019: $812,6862019Assets 2020: $5,173,028Liabilities 2020: $4,343,513Net Assets 2020: $829,5152020Assets 2021: $5,336,731Liabilities 2021: $4,467,488Net Assets 2021: $869,2432021Assets 2022: $5,274,795Liabilities 2022: $4,401,017Net Assets 2022: $873,7782022Assets 2023: $5,017,698Liabilities 2023: $4,133,335Net Assets 2023: $884,3632023Assets 2024: $4,869,740Liabilities 2024: $3,893,547Net Assets 2024: $976,1932024

Highlighted filing

2024

Assets$4,869,740
Liabilities$3,893,547
Net Assets$976,193
Open 2024 Filing

Operations Trend

Revenue Growth99th percentile

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

$300K$200K$100K$0-$100KRevenue 2011: $152,148Expenses 2011: $148,698Net Income 2011: $3,4502011Revenue 2012: $151,165Expenses 2012: $148,361Net Income 2012: $2,8042012Revenue 2013: $153,686Expenses 2013: $153,387Net Income 2013: $2992013Revenue 2014: $145,034Expenses 2014: $138,891Net Income 2014: $6,1432014Revenue 2015: $154,292Expenses 2015: $153,059Net Income 2015: $1,2332015Revenue 2016: $177,664Expenses 2016: $218,598Net Income 2016: -$40,9342016Revenue 2017: $184,776Expenses 2017: $153,234Net Income 2017: $31,5422017Revenue 2018: $192,651Expenses 2018: $157,389Net Income 2018: $35,2622018Revenue 2019: $216,195Expenses 2019: $182,075Net Income 2019: $34,1202019Revenue 2020: $183,303Expenses 2020: $166,474Net Income 2020: $16,8292020Revenue 2021: $163,693Expenses 2021: $123,966Net Income 2021: $39,7272021Revenue 2022: $142,724Expenses 2022: $138,189Net Income 2022: $4,5352022Revenue 2023: $241,595Expenses 2023: $231,011Net Income 2023: $10,5842023Revenue 2024: $297,195Expenses 2024: $235,422Net Income 2024: $61,7732024

Highlighted filing

2024

Revenue$297,195
Expenses$235,422
Net Income$61,773
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,869,740
Liabilities
$3,893,547
Net assets
$976,193
Revenue
$297,195
Expenses
$235,422
Net income
$61,773
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$4.87$3.89$0.98$0.30$0.24$0.06
2023Detailed filing. Detailed filing data is available for this year.$5.02$4.13$0.88$0.24$0.23$0.01
2022Detailed filing. Detailed filing data is available for this year.$5.27$4.40$0.87$0.14$0.14$0.00
2021Detailed filing. Detailed filing data is available for this year.$5.34$4.47$0.87$0.16$0.12$0.04
2020Detailed filing. Detailed filing data is available for this year.$5.17$4.34$0.83$0.18$0.17$0.02
2019Summary only. Only limited summary data is available for this year.$4.69$3.88$0.81$0.22$0.18$0.03
2018Summary only. Only limited summary data is available for this year.$4.60$3.82$0.78$0.19$0.16$0.04
2017Summary only. Only limited summary data is available for this year.$4.46$3.71$0.74$0.18$0.15$0.03
2016Summary only. Only limited summary data is available for this year.$4.59$3.87$0.71$0.18$0.22$0.04
2015Summary only. Only limited summary data is available for this year.$4.45$3.70$0.75$0.15$0.15$0.00
2014Summary only. Only limited summary data is available for this year.$4.40$3.65$0.75$0.15$0.14$0.01
2013Summary only. Only limited summary data is available for this year.$4.25$3.50$0.75$0.15$0.15$0.00
2012Summary only. Only limited summary data is available for this year.$4.13$3.37$0.75$0.15$0.15$0.00
2011Summary only. Only limited summary data is available for this year.$4.04$3.29$0.75$0.15$0.15$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Feb 14, 2025
Return Version
2024v5.0
Gross Receipts
$297,195
Mission and Program Overview

Mission

Lynn teachers credit union is a not for profit corporation providing financial services to the teachers and employees of the lynn school department.

Financial institution for members

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$3,609,309$3,101,078▼ $508,231
Other Notes and Loans Receivable, Net$1,180,149$1,547,095▲ $366,946
Rtn Earn Endowment Incm Other Fnds$805,808$897,638▲ $91,830
Receivables From Officers Etc$175,383$171,353▼ $4,030
Pd in Cap Srpls Land Bldg Eqp Fund$78,555$78,555→ $0
Prepaid Expenses and Deferred Charges$5,680$5,114▼ $566
Cash and Non-Interest-Bearing Accounts$1--
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$5,017,698$4,869,740▼ $147,958
Other Assets Total$47,176$45,100▼ $2,076
Liabilities
Other Liabilities$4,063,586$3,821,721▼ $241,865
Accounts Payable and Accrued Expenses$69,749$71,826▲ $2,077
Total Liabilities$4,133,335$3,893,547▼ $239,788
Net Assets / Fund Balance
Total Net Assets Fund Balance$884,363$976,193▲ $91,830
Total Liabilities and Net Assets / Fund Balance$5,017,698$4,869,740▼ $147,958
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Adele PolizzottiManagerPT$76,031$76,031
Roger O PoorTreas/loan OfficerPT$15,600$15,600

Board Members and Trustees

NameTitle
Maura Durgin-scullyChair Audit/ Invest
Dorine BransfieldCredit Chair
Adolph GracialeDirector
Richard MyletteAudit/invest
Chrisopher WarrenCredit
Gary MoleaCredit
Warren WhitePres/CEO/audit/invest
Kathleen BogartSecretary
James RidleySecurity/audit/invest
Christy N OfilosVP
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$158,360
Investment Income
$138,835
Other Revenue
$0
Change in Net Assets
$61,773
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$100,731
Salaries, Compensation, and Employee Benefits$99,369
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-$91,631-$91,631
Benefits to Members$35,322--$35,322
Fees for Services Accounting-$24,019-$24,019
Information Technology-$15,526-$15,526
Office Expenses-$9,981-$9,981
Insurance-$9,243-$9,243
Payroll Taxes-$4,738-$4,738
Pension Plan Contributions-$3,000-$3,000
Travel-$2,596-$2,596
Other Expenses-$1,734-$1,734
Conferences and Meetings-$1,683-$1,683
Total Functional Expenses$35,322$200,100$0$235,422
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

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Adele PolizzottiManagerLoanNo-

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$175,383$171,353▼ $4,030
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$3,821,721
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
Yes
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“A father and daughter are directors.”

Form 990, Part VI, Section A, Line 6

“Organization has members.”

Form 990, Part VI, Section A, Line 7A

“Organization has members that may elect one or more members of the governing body.”

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

“Copy of the 990 is reviewed by the board of directors at its may meeting.”

Section C Line 19

“The governing documents, conflict of interest policy and financial statements are available at the organization office for the public to review.”

Form 990, Part VI, Section C, Line 19

“The governing organization made its governing documents, comflict of interest policy and financial statements available to public at its office.”

Filing and Contact Details

Filer

Filer Name
Lynn Teachers Credit Union
EIN
04-1564245
Phone
7815924936
Address
33 NORTH COMMON STREET, LYNN, MA 01902-4311

Signing Officer

Name
Roger O Poor
Title
Treasurer
Phone
7815924936
Signed
2025-02-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Roger O Poor
Formed
1935
Legal Domicile
Ma
Voting Board Members
1
Independent Board Members
11
Employees
0
Volunteers
0

Preparer

Firm
Randall Bennett & Co Pc
Address
76 MERRIMACK ST 20, HAVERHILL, MA 01830-6246
Preparer
Randall Bennett
Phone
9783778802
Supplemental Narrative

Additional Explanations

Line 2B

“All federal employment taxes were filed timely.”

Line 1C

“Organization complied with backup withholding rules, however, no payments were reportable for vendors. Gaming winnings are not applicable to this organization.”

Section A Line 8A

“Monthly board of directors meetings and annual meetings are documented.”

Section A Line 8B

“The audit/supervisory committee and credit committee both document their monthly meetings.”

Section B Line 14

“Organization has written retention and destruction policies in effect.”

Line 2B

“Each year an independent auditor performs an audit of the financial statements of the organization.”

Raw XML AppendixShowing 400 of 496 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/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0ASSOC DUES/EXAMINATION
IRS990/OtherExpensesGrp/Desc1PROF & OUTSIDE SERVICES
IRS990/OtherExpensesGrp/Desc2COLLECTION EXPENSE/SECU
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXP
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt026451
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt17335
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt22163
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt31734
IRS990/OtherExpensesGrp/TotalAmt026451
IRS990/OtherExpensesGrp/TotalAmt17335
IRS990/OtherExpensesGrp/TotalAmt22163
IRS990/OtherExpensesGrp/TotalAmt31734
IRS990/OtherLiabilitiesGrp/BOYAmt04063586
IRS990/OtherLiabilitiesGrp/EOYAmt03821721
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01180149
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01547095
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt04738
IRS990/PayrollTaxesGrp/TotalAmt04738
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt078555
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt078555
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt03000
IRS990/PensionPlanContributionsGrp/TotalAmt03000
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt05680
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt05114
IRS990/PrincipalOfficerNm0ROGER O POOR
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1561000
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1MEMBERSHIP DUES
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0155169
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13191
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0155169
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt13191
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDED LOANS FOR MEMBERS.
IRS990/ProgSrvcAccomActy3Grp/Desc0CONSULTED WITH MEMBERS ABOUT FINANCIAL MATTERS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt017977
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0114066
IRS990/PYOtherExpensesAmt0117981
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0127529
IRS990/PYRevenuesLessExpensesAmt010584
IRS990/PYSalariesCompEmpBnftPaidAmt095053
IRS990/PYTotalExpensesAmt0231011
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0241595
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0175383
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0171353
IRS990/ReconcilationRevenueExpnssAmt061773
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0805808
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0897638
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03609309
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03101078
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03821721
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalLiabilityAmt03821721
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0ADELE POLIZZOTTI
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0MANAGER
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd00
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt029797
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt119266
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt210000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt320562
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt46344
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt54617
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt620099
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt716879
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt828400
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt98500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt106889
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd71
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd81
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd91
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd101
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd110
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd60
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd70
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd80
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd90
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd100
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd110
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd11X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0HOME IMPROVEMENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1HOME IMPROVEMENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2HOME IMPROVEMENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3USED AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4HOME IMPROVEMENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5HOME IMPROVEMENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6HOME IMPROVEMENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7HOME IMPROVEMENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11HOME IMPROVEMENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt040000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt120000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt210000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt322500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt412000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt57400
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt625500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt740000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt828400
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt98500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt107000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0KATHLEEN BOGART
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1RICHARD D MYLETTE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2ADELE POLIZZOTTI
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3MAURA D SCULLY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4MAURA D SCULLY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5MAURA D SCULLY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6CHRIS WARREN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7ADOLPH GRACIALE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8ADOLPH GRACIALE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9MAURA D SCULLY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm10MAURA D SCULLY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2MANAGER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt8DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt9DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt10DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt11DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd71
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd81
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd91
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd101
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd110
IRS990ScheduleL/TotalBalanceDueAmt0171353
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL FEDERAL EMPLOYMENT TAXES WERE FILED TIMELY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ORGANIZATION COMPLIED WITH BACKUP WITHHOLDING RULES, HOWEVER, NO PAYMENTS WERE REPORTABLE FOR VENDORS. GAMING WINNINGS ARE NOT APPLICABLE TO THIS ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MONTHLY BOARD OF DIRECTORS MEETINGS AND ANNUAL MEETINGS ARE DOCUMENTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE AUDIT/SUPERVISORY COMMITTEE AND CREDIT COMMITTEE BOTH DOCUMENT THEIR MONTHLY MEETINGS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ORGANIZATION HAS WRITTEN RETENTION AND DESTRUCTION POLICIES IN EFFECT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5A FATHER AND DAUGHTER ARE DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ORGANIZATION HAS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ORGANIZATION HAS MEMBERS THAT MAY ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY.

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