Civic Intelligence

Secure Credit Union

EIN 04-1574535

View Organization Page

138 Main Street02176
Siviq Scores

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

Liabilities / Assets

91st percentile

0.85x

Higher debt load relative to assets than 91% of similar nonprofits.

$10M-$25M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on the latest valid filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

No filing with officer or executive compensation is available for this organization yet.

Asset Growth

Score unavailable

No value available

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

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets91st percentile

Assets

$21,323,774

No earlier filing loaded for comparison.

Liabilities

$18,032,725

No earlier filing loaded for comparison.

Net Assets

$3,291,049

No earlier filing loaded for comparison.

Operations
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$1,057,849

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset GrowthScore unavailable

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

$30M$20M$10M$0Assets 2010: $21,323,774Liabilities 2010: $18,032,725Net Assets 2010: $3,291,0492010

Highlighted filing

2010

Assets$21,323,774
Liabilities$18,032,725
Net Assets$3,291,049
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.5M$1.0M$500K$0Expenses 2010: $1,057,8492010

Highlighted filing

2010

Revenue-
Expenses$1,057,849
Net Income-
Open 2010 Filing

Filings

Most recent year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$21,323,774
Liabilities
$18,032,725
Net assets
$3,291,049
Revenue
-
Expenses
$1,057,849
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.3$18.0$3.29$1.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
Oct 16, 2011
Return Version
2010v3.4
Gross Receipts
$796,999
Filing and Contact Details

Filer

EIN
04-1574535
Raw XML AppendixShowing 400 of 479 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.

Path#Value
IRS990/AccountantCompileOrReview00
IRS990/AccountsPayableAccruedExpenses/BOY0-128482
IRS990/AccountsPayableAccruedExpenses/EOY031080
IRS990/AccountsReceivable/BOY088338
IRS990/AccountsReceivable/EOY0508314
IRS990/ActivitiesConductedPartnership00
IRS990/ActivityOrMissionDescription0Credit Union - Financial Services Cooperative
IRS990/AddressPrincipalOfficerUS/AddressLine1092 Main St
IRS990/AddressPrincipalOfficerUS/City0Saugus
IRS990/AddressPrincipalOfficerUS/State0MA
IRS990/AddressPrincipalOfficerUS/ZIPCode001906
IRS990/Advertising/Total043932
IRS990/AllOtherExpenses/Total047638
IRS990/AnnualDisclosureCoveredPersons01
IRS990/AuditCommittee01
IRS990/BenefitsPaidToMembersCY0176792
IRS990/BenefitsPaidToMembersPriorYear0239934
IRS990/BenefitsToMembers/Total0176792
IRS990/BsnssRltnshpThruFamilyMember00
IRS990/BsnssRltnshpWithOrganization00
IRS990/CapStckTrstPrinCurrentFunds/BOY00
IRS990/CapStckTrstPrinCurrentFunds/EOY00
IRS990/CashNonInterestBearing/BOY0111418
IRS990/CashNonInterestBearing/EOY0153911
IRS990/ChangesToOrganizingDocs00
IRS990/CollectionsOfArt00
IRS990/CompCurrentOfficersDirectors/Total070218
IRS990/CompDisqualPersons/Total00
IRS990/CompensationFromOtherSources00
IRS990/CompensationProcessCEO01
IRS990/CompensationProcessOther00
IRS990/ComplianceWithBackupWitholding01
IRS990/ConferencesMeetings/Total01020
IRS990/ConflictOfInterestPolicy01
IRS990/ConservationEasements00
IRS990/ConsolidatedAuditFinancialStmt00
IRS990/ContributionsGrantsCurrentYear00
IRS990/ContributionsGrantsPriorYear00
IRS990/CreditCounseling00
IRS990/DecisionsSubjectToApproval01
IRS990/DeductibleContributionsOfArt00
IRS990/DeductibleNonCashContributions00
IRS990/DeferredRevenue/BOY00
IRS990/DeferredRevenue/EOY00
IRS990/DelegationOfManagementDuties00
IRS990/DepreciationDepletion/Total07898
IRS990/DescribedIn501C300
IRS990/Description0Interest on Member Shares and Deposits
IRS990/DisregardedEntity00
IRS990/DocumentRetentionPolicy01
IRS990/DonorAdvisedFunds00
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers01
IRS990/EmploymentTaxReturnsFiled01
IRS990/EscrowAccountLiability/BOY00
IRS990/EscrowAccountLiability/EOY00
IRS990/Expense00
IRS990/FamilyOrBusinessRelationship01
IRS990/FederalGrantAuditRequired00
IRS990/FeesForServicesAccounting/Total035800
IRS990/FeesForServicesInvstMgmntFees/Total00
IRS990/FeesForServicesLegal/Total00
IRS990/FeesForServicesLobbying/Total00
IRS990/FeesForServicesManagement/Total00
IRS990/FeesForServicesOther/Total00
IRS990/FeesForServicesProfFundraising/Total00
IRS990/FinancialStatementSeparate0X
IRS990/ForeignActivities00
IRS990/ForeignFinancialAccount00
IRS990/ForeignOffice00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek10
IRS990/Form990PartVIISectionA/AverageHoursPerWeek20
IRS990/Form990PartVIISectionA/AverageHoursPerWeek30
IRS990/Form990PartVIISectionA/AverageHoursPerWeek40
IRS990/Form990PartVIISectionA/AverageHoursPerWeek50
IRS990/Form990PartVIISectionA/AverageHoursPerWeek60
IRS990/Form990PartVIISectionA/AverageHoursPerWeek740
IRS990/Form990PartVIISectionA/HighestCompensatedEmployee0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector6X
IRS990/Form990PartVIISectionA/KeyEmployee0X
IRS990/Form990PartVIISectionA/NamePerson0Joseph Sheehan
IRS990/Form990PartVIISectionA/NamePerson1Scott Lucey
IRS990/Form990PartVIISectionA/NamePerson2Harold McKenna
IRS990/Form990PartVIISectionA/NamePerson3Diane Howard
IRS990/Form990PartVIISectionA/NamePerson4John O'Brien
IRS990/Form990PartVIISectionA/NamePerson5Donald Gallagher
IRS990/Form990PartVIISectionA/NamePerson6Peter Cucinotta
IRS990/Form990PartVIISectionA/NamePerson7Robert Cleary
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/Officer1X
IRS990/Form990PartVIISectionA/Officer2X
IRS990/Form990PartVIISectionA/Officer3X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation70
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization770218
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs70
IRS990/Form990PartVIISectionA/Title0Board Member
IRS990/Form990PartVIISectionA/Title1Vice Chairman
IRS990/Form990PartVIISectionA/Title2Board Member
IRS990/Form990PartVIISectionA/Title3Clerk of the Corporation
IRS990/Form990PartVIISectionA/Title4Board Member
IRS990/Form990PartVIISectionA/Title5Board Member
IRS990/Form990PartVIISectionA/Title6Chairman
IRS990/Form990PartVIISectionA/Title7Treasurer
IRS990/Form990ProvidedToGoverningBody00
IRS990/FormersListed00
IRS990/FSAudited01
IRS990/FundraisingActivities00
IRS990/GainOrLoss/Other00
IRS990/GainOrLoss/Securities00
IRS990/Gaming00
IRS990/Grants00
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsAndSimilarAmntsPriorYear00
IRS990/GrantsPayable/BOY00
IRS990/GrantsPayable/EOY00
IRS990/GrantsToIndividuals00
IRS990/GrantsToOrganizations00
IRS990/GrantToRelatedPerson00
IRS990/GrossReceipts0796999
IRS990/GroupReturnForAffiliates00
IRS990/Hospital00
IRS990/IncomeFromInvestBondProceeds/ExclusionAmount00
IRS990/IncomeFromInvestBondProceeds/RelatedOrExemptFunctionIncome00
IRS990/IncomeFromInvestBondProceeds/TotalRevenueColumn00
IRS990/IncomeFromInvestBondProceeds/UnrelatedBusinessRevenue00
IRS990/IndependentAuditFinancialStmt00
IRS990/IndoorTanningServices00
IRS990/InfoInScheduleOPartVI0X
IRS990/InfoInScheduleOPartXI0X
IRS990/InformationTechnology/Total055224
IRS990/Insurance/Total07600
IRS990/Interest/Total00
IRS990/InventoriesForSaleOrUse/BOY00
IRS990/InventoriesForSaleOrUse/EOY00
IRS990/InvestmentIncomeCurrentYear0139814
IRS990/InvestmentIncome/ExclusionAmount00
IRS990/InvestmentIncomePriorYear0174593
IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome0139814
IRS990/InvestmentIncome/TotalRevenueColumn0139814
IRS990/InvestmentIncome/UnrelatedBusinessRevenue00
IRS990/InvestmentInJointVenture00
IRS990/InvestmentsOtherSecurities/BOY0152596
IRS990/InvestmentsOtherSecurities/EOY0172038
IRS990/InvestmentsPubTradedSecurities/BOY07042661
IRS990/InvestmentsPubTradedSecurities/EOY05715241
IRS990/LandBldgEquipmentAccumDeprec0257504
IRS990/LandBuildingsEquipmentBasis0486921
IRS990/LandBuildingsEquipmentBasisNet/BOY0227016
IRS990/LandBuildingsEquipmentBasisNet/EOY0229417
IRS990/LoansFromOfficersDirectors/BOY00
IRS990/LoansFromOfficersDirectors/EOY00
IRS990/LoanToOfficerOrDQP01
IRS990/LocalChapters00
IRS990/MaterialDiversionOrMisuse00
IRS990/MembersOrStockholders01
IRS990/MethodOfAccountingCash0X
IRS990/MinutesOfCommittees01
IRS990/MinutesOfGoverningBody01
IRS990/MiscellaneousRevenue/ExclusionAmount00
IRS990/MiscellaneousRevenue/RelatedOrExemptFunctionIncome045153
IRS990/MiscellaneousRevenue/TotalRevenueColumn045153
IRS990/MiscellaneousRevenue/UnrelatedBusinessRevenue00
IRS990/MissionDescription0Credit Union - Financial Services Cooperative
IRS990/MoreThan5000KToIndividuals00
IRS990/MoreThan5000KToOrganizations00
IRS990/MortNotesPyblSecuredInvestProp/BOY00
IRS990/MortNotesPyblSecuredInvestProp/EOY00
IRS990/NameOfPrincipalOfficerPerson0Robert W Cleary
IRS990/NbrIndependentVotingMembers09
IRS990/NbrVotingGoverningBodyMembers09
IRS990/NbrVotingMembersGoverningBody09
IRS990/NetAssetsOrFundBalancesBOY03548407
IRS990/NetAssetsOrFundBalancesEOY03291049
IRS990/NetUnrelatedBusinessTxblIncome00
IRS990/NonDeductibleContributions00
IRS990/NumberFormsTransmittedWith10960700
IRS990/NumberIndependentVotingMembers09
IRS990/NumberIndividualsGT100K00
IRS990/NumberOfContractorsGT100K00
IRS990/NumberOfEmployees08
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total045837
IRS990/OfficeExpenses/Total0112732
IRS990/OfficerEntityWithBsnssRltnshp00
IRS990/OfficerMailingAddress00
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY021578
IRS990/OtherAssetsTotal/EOY025370
IRS990/OtherEmployeeBenefits/Total088045
IRS990/OtherExpensePriorYear0589594
IRS990/OtherExpensesCurrentYear0496924
IRS990/OtherExpenses/Description0Provision for Loan Loss
IRS990/OtherExpenses/Description1NCUA Stabilization Expense
IRS990/OtherExpenses/Description2Mass Div of Banks Operating Fee
IRS990/OtherExpenses/Description3Loan Servicing
IRS990/OtherExpenses/Total056775
IRS990/OtherExpenses/Total145223
IRS990/OtherExpenses/Total210237
IRS990/OtherExpenses/Total322336
IRS990/OtherLiabilities/BOY017481186
IRS990/OtherLiabilities/EOY018001645
IRS990/OtherNotesLoansReceivableNet/BOY011158653
IRS990/OtherNotesLoansReceivableNet/EOY09777865
IRS990/OtherRevenueCurrentYear045153
IRS990/OtherRevenuePriorYear043646
IRS990/OtherSalariesAndWages/Total0200813
IRS990/PaidInCapSrplsLandBldgEqpFund/BOY00
IRS990/PaidInCapSrplsLandBldgEqpFund/EOY00
IRS990/PartialLiquidation00
IRS990/PaymentsToAffiliates/Total00
IRS990/PayrollTaxes/Total020986
IRS990/PensionPlanContributions/Total04071
IRS990/PledgesAndGrantsReceivable/BOY00
IRS990/PledgesAndGrantsReceivable/EOY00
IRS990/PoliticalActivities00
IRS990/PrepaidExpensesDeferredCharges/BOY079357
IRS990/PrepaidExpensesDeferredCharges/EOY0132293
IRS990/ProfessionalFundraising00
IRS990/ProgramServiceRevenue/BusinessCode0522130
IRS990/ProgramServiceRevenueCY0612032
IRS990/ProgramServiceRevenue/Description0Loan Interest
IRS990/ProgramServiceRevenue/ExclusionAmount00
IRS990/ProgramServiceRevenuePriorYear0663178
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome0612032
IRS990/ProgramServiceRevenue/TotalRevenueColumn0612032
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue00
IRS990/ProhibitedTaxShelterTrans00
IRS990/ReceivablesFromDisqualPersons/BOY00
IRS990/ReceivablesFromDisqualPersons/EOY00
IRS990/ReceivablesFromOfficersEtc/BOY019745
IRS990/ReceivablesFromOfficersEtc/EOY028040
IRS990/ReconcilationOtherChanges03492
IRS990/ReconcilationRevenueExpenses0-260850
IRS990/RegularMonitoringEnforcement00
IRS990/RelatedEntity00
IRS990/RelatedOrgControlledEntity00
IRS990/RentalIncomeOrLoss/Personal00
IRS990/RentalIncomeOrLoss/Real00
IRS990/ReportFin48Footnote00
IRS990/ReportInvestOthSecurities00
IRS990/ReportLandBldgEquip01
IRS990/ReportOtherAssets00
IRS990/ReportOtherLiabilities01
IRS990/ReportProgRelInvest00
IRS990/RetainedEarningsEndowmentEtc/BOY03548407
IRS990/RetainedEarningsEndowmentEtc/EOY03291049
IRS990/Revenue00
IRS990/RevenuesLessExpensesCY0-260850
IRS990/RevenuesLessExpensesPriorYear0-265819
IRS990/RoyaltiesRevenue/ExclusionAmount00
IRS990/RoyaltiesRevenue/RelatedOrExemptFunctionIncome00
IRS990/RoyaltiesRevenue/TotalRevenueColumn00
IRS990/RoyaltiesRevenue/UnrelatedBusinessRevenue00
IRS990/Royalties/Total00
IRS990/SalariesEtcCurrentYear0384133
IRS990/SalariesEtcPriorYear0317708
IRS990/SavingsAndTempCashInvestments/BOY01999749
IRS990/SavingsAndTempCashInvestments/EOY04581285
IRS990/ScheduleBRequired00
IRS990ScheduleD/Buildings/BookValue096047
IRS990ScheduleD/Buildings/Depreciation0165900
IRS990ScheduleD/Buildings/InvestmentCostOrOtherBasis00
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis0261947
IRS990ScheduleD/Equipment/BookValue09109
IRS990ScheduleD/Equipment/Depreciation064810
IRS990ScheduleD/Equipment/InvestmentCostOrOtherBasis00
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis073919
IRS990ScheduleD/Land/BookValue098000
IRS990ScheduleD/Land/InvestmentCostOrOtherBasis00
IRS990ScheduleD/Land/OtherCostOrOtherBasis098000
IRS990ScheduleD/LeaseholdImprovements/BookValue026261
IRS990ScheduleD/LeaseholdImprovements/Depreciation026794
IRS990ScheduleD/LeaseholdImprovements/InvestmentCostOrOtherBasis00
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis053055
IRS990ScheduleD/OtherLandBuildings/BookValue00
IRS990ScheduleD/OtherLandBuildings/Depreciation00
IRS990ScheduleD/OtherLandBuildings/InvestmentCostOrOtherBasis00
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis00
IRS990ScheduleD/OtherLiabilities/Amount05520513
IRS990ScheduleD/OtherLiabilities/Amount1105614
IRS990ScheduleD/OtherLiabilities/Amount21574463
IRS990ScheduleD/OtherLiabilities/Amount33853940
IRS990ScheduleD/OtherLiabilities/Amount43283421
IRS990ScheduleD/OtherLiabilities/Amount537067
IRS990ScheduleD/OtherLiabilities/Amount63626627
IRS990ScheduleD/OtherLiabilities/Description0Savings Accounts
IRS990ScheduleD/OtherLiabilities/Description1Club Accounts
IRS990ScheduleD/OtherLiabilities/Description2Checking Accounts
IRS990ScheduleD/OtherLiabilities/Description3Money Market Accounts
IRS990ScheduleD/OtherLiabilities/Description4Share Certificates
IRS990ScheduleD/OtherLiabilities/Description5IRA Accounts
IRS990ScheduleD/OtherLiabilities/Description6IRA Certificates
IRS990ScheduleD/TotalOfAmounts018001645
IRS990ScheduleD/TotalOfBookValueLandBuildings0229417
IRS990/ScheduleJRequired00
IRS990ScheduleL/LoanTable/ApprovedByBoard01
IRS990ScheduleL/LoanTable/ApprovedByBoard11
IRS990ScheduleL/LoanTable/ApprovedByBoard21
IRS990ScheduleL/LoanTable/ApprovedByBoard31
IRS990ScheduleL/LoanTable/ApprovedByBoard41
IRS990ScheduleL/LoanTable/BalanceDue09135
IRS990ScheduleL/LoanTable/BalanceDue18834
IRS990ScheduleL/LoanTable/BalanceDue22628
IRS990ScheduleL/LoanTable/BalanceDue35438
IRS990ScheduleL/LoanTable/BalanceDue42005
IRS990ScheduleL/LoanTable/Default00
IRS990ScheduleL/LoanTable/Default10
IRS990ScheduleL/LoanTable/Default20
IRS990ScheduleL/LoanTable/Default30
IRS990ScheduleL/LoanTable/Default40
IRS990ScheduleL/LoanTable/LoanFromOrganization0X
IRS990ScheduleL/LoanTable/LoanFromOrganization1X
IRS990ScheduleL/LoanTable/LoanFromOrganization2X
IRS990ScheduleL/LoanTable/LoanFromOrganization3X
IRS990ScheduleL/LoanTable/LoanFromOrganization4X
IRS990ScheduleL/LoanTable/NamePerson0Robert Cleary
IRS990ScheduleL/LoanTable/NamePerson1Robert Cleary
IRS990ScheduleL/LoanTable/NamePerson2Peter Cucinotta
IRS990ScheduleL/LoanTable/NamePerson3Peter Cucinotta
IRS990ScheduleL/LoanTable/NamePerson4Diane Howard
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount010000
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount110000
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount25000
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount36000
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount410000
IRS990ScheduleL/LoanTable/PurposeOfLoan0Credit Card
IRS990ScheduleL/LoanTable/PurposeOfLoan1Auto Purchase
IRS990ScheduleL/LoanTable/PurposeOfLoan2Secured Personal
IRS990ScheduleL/LoanTable/PurposeOfLoan3Credit Card
IRS990ScheduleL/LoanTable/WrittenAgreement01
IRS990ScheduleL/LoanTable/WrittenAgreement11
IRS990ScheduleL/LoanTable/WrittenAgreement21
IRS990ScheduleL/LoanTable/WrittenAgreement31
IRS990ScheduleL/LoanTable/WrittenAgreement41
IRS990ScheduleL/TotalBalanceDue028040
IRS990ScheduleO/GeneralExplanation/Explanation0Directors Donald Gallagher and Carol Gallagher are married.
IRS990ScheduleO/GeneralExplanation/Explanation1Credit unions can only perform services for members.
IRS990ScheduleO/GeneralExplanation/Explanation2Credit unions elect board members at the credit union's annual meeting of the membership.
IRS990ScheduleO/GeneralExplanation/Explanation3Some motions require membership approval at the credit union's annual meeting.
IRS990ScheduleO/GeneralExplanation/Explanation4The CEO reviews the form 990 before it is filed.
IRS990ScheduleO/GeneralExplanation/Explanation5The Board of Directors annually reviews the compensation for the Treasurer/Manager (CEO).
IRS990ScheduleO/GeneralExplanation/Explanation6We provide the documents to any member upon request.
IRS990ScheduleO/GeneralExplanation/Explanation7Unrealized Investment Gain/Loss
IRS990ScheduleO/GeneralExplanation/Identifier0F990_P06_S0A_L02
IRS990ScheduleO/GeneralExplanation/Identifier1F990_P06_S0A_L06
IRS990ScheduleO/GeneralExplanation/Identifier2F990_P06_S0A_L07a
IRS990ScheduleO/GeneralExplanation/Identifier3F990_P06_S0A_L07b
IRS990ScheduleO/GeneralExplanation/Identifier4F990_P06_S0B_L11a
IRS990ScheduleO/GeneralExplanation/Identifier5F990_P06_S0B_L15
IRS990ScheduleO/GeneralExplanation/Identifier6F990_P06_S0C_L19
IRS990ScheduleO/GeneralExplanation/Identifier7F990_P11_S00_L05
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Section B, Line 11a
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/GeneralExplanation/ReturnReference7Form 990, Part XI, Line 5
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0MA
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBondLiabilities/BOY00
IRS990/TaxExemptBondLiabilities/EOY00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10138 Main Street

Document Assets

No mirrored PDF or thumbnail assets are attached yet.