Civic Intelligence

Secure Credit Union

990 • Fiscal year 2010 • EIN 04-1574535

Jan 01, 2010 to Dec 31, 2010 • Filed on Oct 16, 2011

Organization Profile

View Organization Page

138 Main Street02176
Siviq Scores

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

Liabilities / Assets

86th percentile

0.85x

Higher debt load relative to assets than 86% of similar nonprofits.

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

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

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 / Assets86th percentile

Assets

$21,323,774

No earlier filing loaded for comparison.

Net Assets

$3,291,049

No earlier filing loaded for comparison.

Liabilities

$18,032,725

No earlier filing loaded for comparison.

Revenue And Expenses
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.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$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 across loaded years, with this 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
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.

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IRS990/ActivitiesConductedPartnership00
IRS990/ActivityOrMissionDescription0Credit Union - Financial Services Cooperative
IRS990/AddressPrincipalOfficerUS/AddressLine1092 Main St
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IRS990/AddressPrincipalOfficerUS/State0MA
IRS990/AddressPrincipalOfficerUS/ZIPCode001906
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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
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IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation70
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IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
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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
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IRS990/OtherExpenses/Description0Provision for Loan Loss
IRS990/OtherExpenses/Description1NCUA Stabilization Expense
IRS990/OtherExpenses/Description2Mass Div of Banks Operating Fee
IRS990/OtherExpenses/Description3Loan Servicing
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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
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IRS990ScheduleL/LoanTable/ApprovedByBoard21
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IRS990ScheduleL/LoanTable/NamePerson0Robert Cleary
IRS990ScheduleL/LoanTable/NamePerson1Robert Cleary
IRS990ScheduleL/LoanTable/NamePerson2Peter Cucinotta
IRS990ScheduleL/LoanTable/NamePerson3Peter Cucinotta
IRS990ScheduleL/LoanTable/NamePerson4Diane Howard
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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.

Filings

Displayed 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