Civic Intelligence

New Bedford Credit Union

EIN 04-1659235 • 501(c)14 • New Bedford, MA

View Organization Page

Profile

Credit union - provide thrift services to members with the best service possible.

1150 Purchase StNew Bedford, MA 02740-6687

nbcu4u.com

Siviq Scores

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

Liabilities / Assets

56th percentile

0.90x

Higher debt load relative to assets than 56% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

74th percentile

17.27x

Higher debt load relative to revenue than 74% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

65th percentile

16%

Higher net margin than 65% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

75th percentile

$301,455

Higher top officer pay than 75% of similar nonprofits.

Top officer pay equals 3.6% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

28th percentile

0.4%

Faster asset growth than 28% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

56th percentile

15%

Faster revenue growth than 56% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets56th percentile

Assets

Up

$162,575,618

Up $613,877 (+0.4%) from 2023

Liabilities

Down

$145,841,909

Down $700,952 (-0.5%) from 2023

Net Assets

Up

$16,733,709

Up $1,314,829 (+8.5%) from 2023

Operations
Liabilities / Revenue74th percentileNet Margin65th percentile

Revenue

Up

$8,445,640

Up $1,081,398 (+15%) from 2023

Expenses

Up

$7,130,806

Up $901,205 (+14%) from 2023

Net Income

Up

$1,314,834

Up $180,193 (+16%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth28th percentile

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

$200M$150M$100M$50M$0Assets 2010: $118,311,068Liabilities 2010: $108,968,095Net Assets 2010: $9,342,9732010Assets 2011: $121,202,237Liabilities 2011: $111,497,612Net Assets 2011: $9,704,6252011Assets 2012: $119,704,533Liabilities 2012: $109,753,704Net Assets 2012: $9,950,8292012Assets 2013: $115,510,059Liabilities 2013: $105,140,637Net Assets 2013: $10,369,4222013Assets 2014: $113,524,453Liabilities 2014: $102,639,693Net Assets 2014: $10,884,7602014Assets 2015: $116,404,034Liabilities 2015: $105,395,385Net Assets 2015: $11,008,6492015Assets 2016: $120,617,158Liabilities 2016: $109,411,436Net Assets 2016: $11,205,7222016Assets 2017: $120,200,711Liabilities 2017: $108,551,684Net Assets 2017: $11,649,0272017Assets 2018: $126,480,555Liabilities 2018: $114,403,946Net Assets 2018: $12,076,6092018Assets 2019: $127,548,420Liabilities 2019: $114,864,918Net Assets 2019: $12,683,5022019Assets 2020: $140,656,028Liabilities 2020: $127,472,362Net Assets 2020: $13,183,6662020Assets 2021: $151,838,807Liabilities 2021: $138,147,176Net Assets 2021: $13,691,6312021Assets 2022: $161,883,461Liabilities 2022: $147,499,222Net Assets 2022: $14,384,2392022Assets 2023: $161,961,741Liabilities 2023: $146,542,861Net Assets 2023: $15,418,8802023Assets 2024: $162,575,618Liabilities 2024: $145,841,909Net Assets 2024: $16,733,7092024

Highlighted filing

2024

Assets$162,575,618
Liabilities$145,841,909
Net Assets$16,733,709
Open 2024 Filing

Operations Trend

Revenue Growth56th percentile

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

$10M$5.0M$0Expenses 2010: $5,121,2192010Expenses 2011: $4,684,4132011Expenses 2012: $4,384,6482012Revenue 2013: $4,264,281Expenses 2013: $3,844,554Net Income 2013: $419,7272013Revenue 2014: $4,097,671Expenses 2014: $3,595,332Net Income 2014: $502,3392014Revenue 2015: $3,925,201Expenses 2015: $3,805,312Net Income 2015: $119,8892015Revenue 2016: $4,121,268Expenses 2016: $3,925,194Net Income 2016: $196,0742016Revenue 2017: $4,544,027Expenses 2017: $4,091,602Net Income 2017: $452,4252017Revenue 2018: $5,242,744Expenses 2018: $4,815,164Net Income 2018: $427,5802018Revenue 2019: $5,799,446Expenses 2019: $5,192,553Net Income 2019: $606,8932019Revenue 2020: $5,245,138Expenses 2020: $4,744,975Net Income 2020: $500,1632020Revenue 2021: $5,012,548Expenses 2021: $4,504,583Net Income 2021: $507,9652021Revenue 2022: $5,691,082Expenses 2022: $4,998,471Net Income 2022: $692,6112022Revenue 2023: $7,364,242Expenses 2023: $6,229,601Net Income 2023: $1,134,6412023Revenue 2024: $8,445,640Expenses 2024: $7,130,806Net Income 2024: $1,314,8342024

Highlighted filing

2024

Revenue$8,445,640
Expenses$7,130,806
Net Income$1,314,834
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$162,575,618
Liabilities
$145,841,909
Net assets
$16,733,709
Revenue
$8,445,640
Expenses
$7,130,806
Net income
$1,314,834
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$163$146$16.7$8.45$7.13$1.31
2023Detailed filing. Detailed filing data is available for this year.$162$147$15.4$7.36$6.23$1.13
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$162$147$14.4$5.69$5.00$0.69
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$152$138$13.7$5.01$4.50$0.51
2020Detailed filing. Detailed filing data is available for this year.$141$127$13.2$5.25$4.74$0.50
2019Detailed filing. Detailed filing data is available for this year.$128$115$12.7$5.80$5.19$0.61
2018Detailed filing. Detailed filing data is available for this year.$126$114$12.1$5.24$4.82$0.43
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$120$109$11.6$4.54$4.09$0.45
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$121$109$11.2$4.12$3.93$0.20
2015Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$116$105$11.0$3.93$3.81$0.12
2014Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$114$103$10.9$4.10$3.60$0.50
2013Detailed filing. Detailed filing data is available for this year.$116$105$10.4$4.26$3.84$0.42
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$120$110$9.95$4.38
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$121$111$9.70$4.68
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$118$109$9.34$5.12
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2023 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 14, 2024
Return Version
2023v5.1
Gross Receipts
$7,364,242
Mission and Program Overview

Mission

Credit union - provide thrift services to members with the best service possible.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$107,827,167$111,408,610▲ $3,581,443
Savings and Temporary Cash Investments$19,901,976$22,169,676▲ $2,267,700
Investments Program Related$25,565,935$20,726,875▼ $4,839,060
Rtn Earn Endowment Incm Other Fnds$14,384,239$15,418,880▲ $1,034,641
Cash and Non-Interest-Bearing Accounts$1,654,166$1,329,419▼ $324,747
Land, Buildings, and Equipment, Net$531,721$565,664▲ $33,943
Prepaid Expenses and Deferred Charges$156,713$113,540▼ $43,173
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$161,883,461$161,961,741▲ $78,280
Other Assets Total$6,245,783$5,647,957▼ $597,826
Liabilities
Other Liabilities$146,928,811$145,656,479▼ $1,272,332
Accounts Payable and Accrued Expenses$352,915$693,342▲ $340,427
Escrow Account Liability$217,496$193,040▼ $24,456
Total Liabilities$147,499,222$146,542,861▼ $956,361
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,384,239$15,418,880▲ $1,034,641
Total Liabilities and Net Assets / Fund Balance$161,883,461$161,961,741▲ $78,280

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$163,339$685,662$849,001
Equipment$230,125$441,744$671,869
Land$172,200-$172,200
Investment Program Related Org$723,674--
Compensation and Service Providers
Top Officer Pay75th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Humberta VaraoPresident/CEOFT$206,645$45,140$251,785
Jennifer DelgadoVP Risk Management & TrainingFT$88,403$34,737$123,140
Tara DegraceController, VPFT$80,768$34,144$114,912
Alexia JacobsonVP Human ResourcesFT$78,606$15,944$94,550
Lisa ArraialVP LendingFT$84,736$7,389$92,125
Eric SchifrineCFOFT$91,866-$91,866
Michelle GreenwaltVP Finance/controllerFT$22,707$1,212$23,919
Helena MaganoVP OperationsFT$22,846-$22,846
Peter E BerthiaumeChairman-$19,165-$19,165
Maria RegoVP Retail Services/branch AdminFT$14,426$3,013$17,439
Joyce FerreiraVP Retail Services/branch AdministrationFT$9,188$633$9,821
Thomas J CarreiroTreasurer & Clerk-$7,065-$7,065
Michelle NormanVP OperationsFT$4,355$1,883$6,238

Board Members and Trustees

NameTitle
Lawrence OliveiraVice Chairman
Dennis AudetteDirector
Haden CorediroDirector
Lawrence J FinnertyDirector
Nora BarnesDirector
Steve WhiteDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservCore SystemPO BOX 934057, Atlanta, GA 31193$826,408
PscuCredit Card Services560 CARLLON PARKWAY, St Petersburg, FL 33716$158,989
Ferreira GroupIt99 CLARA ST, New Bedford, MA 02744$147,765
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,268,541
Investment Income
$1,095,701
Other Revenue
$0
Change in Net Assets
$1,134,641

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,347,749
Revenue Not Reported on Financial Statements
$16,493
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$16,493
Total Revenue per Audited Statements
$7,347,749
Total Revenue per Form 990
$7,364,242
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,732,254
Salaries, Compensation, and Employee Benefits$2,337,534
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$1,171,969
Benefits to Members---$1,159,813
Other Salaries and Wages---$1,146,233
Current Officers, Directors, Trustees, and Key Employees---$874,871
Fees for Services Other---$552,276
Occupancy---$207,304
Payroll Taxes---$153,596
Other Employee Benefits---$144,753
Advertising---$125,503
Depreciation Depletion---$86,981
Other Expenses---$24,303
Fees for Services Accounting---$20,800
Pension Plan Contributions---$18,081
All Other Expenses---$17,000
Fees for Services Legal---$4,417
Travel---$3,895
Total Functional Expenses$0$0$0$6,229,601

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$6,229,601
Expenses per Audited Statements$6,213,110
Total Expenses per Audited Statements$6,213,110
Expenses Not Reported on Financial Statements$16,491
Other Expense Adjustments$16,491
Expenses Not Reported on Form 990$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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share and Savings Accounts$145,656,479
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
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
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Persons who meet the requirements of the organization's field of membership who hold at least one share of capital.”

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

“Each member has a vote at the election of the board of directors.”

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

“Any changes to the entity's bylaws need to be approved by the membership.”

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

“The form 990 is reviewed by the board of directors after it is filed. It is then recorded in the minutes.”

Form 990, Part VI, Section B, Line 15

“The board executive committee reviews compensation and area surveys before establishing the compensation of the ceo, executive director, and top management officials. The salary for other individuals is established through the salary and wage budget which is developed by the ceo and vp of hr prior to the new budget process. The ceo with input from the management team is responsible for all employee compensation based upon established budgeted funds for salaries. The process described here was last completed in 2023.”

Form 990, Part VI, Section C, Line 19

“The organization's governing documents and financial statements are available to the public upon request, as well as made available in the credit union lobby.”

Filing and Contact Details

Filer

Filer Name
New Bedford Credit Union
EIN
04-1659235
Phone
5089946546
Address
1150 PURCHASE ST, NEW BEDFORD, MA 02740-6687

Signing Officer

Name
Humberta Varao
Title
President & CEO
Phone
5089946546
Signed
2024-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Humberta Varao
Formed
1932
Legal Domicile
Ma
Voting Board Members
8
Independent Board Members
8
Employees
75
Volunteers
8

Preparer

Firm
Cliftonlarsonallen Llp
Address
109 N MAIN STREET SUITE 200, AUSTIN, MN 55912
Preparer
Tanya Medgaarden
Phone
5074347000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Cecl adjustment -100,000.”

Part XII, Line 2C

“No changes from prior year.”

Financial Statement Notes

PART IV, LINE 2B:

“The credit union services mortgage loans. Custodial escrow balances are maintained in connection with these loans.”

PART X, LINE 2:

“The credit union is exempt, under internal revenue code (irc) 501(c)(14), from most federal and state income taxes. The credit union has filed its annual 990 tax return for 2021, which indicates the credit union had no unrealized business income tax. The taxing authorities have the ability to assess taxes, penalties, and interest for any years for which no tax return was filed. In the opinion of management, any liability resulting from taxing authorities imposing income taxes on the net taxable income from activities potentially deemed to be unrelated to the credit union's exempt purpose is not expected to have a material effect on the credit union's financial position or results of operations. The credit union evaluated its tax positions and determined no uncertain tax positions exist as of december 31, 2023 and 2022. The credit union's 2020 through current tax years are open for examination by federal and state taxing authorities.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Rev included in exp 16,491. Rounding 2.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Rev included in exp 16,491.”

Raw XML AppendixShowing 400 of 510 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0352915
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0693342
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0CREDIT UNION - PROVIDE THRIFT SERVICES TO MEMBERS WITH THE BEST SERVICE POSSIBLE.
IRS990/AdvertisingGrp/TotalAmt0125503
IRS990/AllOtherExpensesGrp/TotalAmt017000
IRS990/AuditCommitteeInd01
IRS990/BenefitsToMembersGrp/TotalAmt01159813
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0HELENA MAGANO
IRS990/BooksInCareOfDetail/PhoneNum05089946546
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01150 PURCHASE STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0NEW BEDFORD
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd002740
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01654166
IRS990/CashNonInterestBearingGrp/EOYAmt01329419
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt03
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0874871
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0826408
IRS990/ContractorCompensationGrp/CompensationAmt1158989
IRS990/ContractorCompensationGrp/CompensationAmt2147765
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0PO BOX 934057
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1560 CARLLON PARKWAY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt299 CLARA ST
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0ATLANTA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1ST PETERSBURG
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2NEW BEDFORD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0GA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1FL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2MA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd031193
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd133716
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd202744
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0FISERV
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1PSCU
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2FERREIRA GROUP
IRS990/ContractorCompensationGrp/ServicesDesc0CORE SYSTEM
IRS990/ContractorCompensationGrp/ServicesDesc1CREDIT CARD SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc2IT
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt01159813
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01095701
IRS990/CYOtherExpensesAmt02732254
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt06268541
IRS990/CYRevenuesLessExpensesAmt01134641
IRS990/CYSalariesCompEmpBnftPaidAmt02337534
IRS990/CYTotalExpensesAmt06229601
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt07364242
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt086981
IRS990/Desc0MAINTENANCE OF MEMBER SHARES AND DEPOSITS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt075
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt0217496
IRS990/EscrowAccountLiabilityGrp/EOYAmt0193040
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt020800
IRS990/FeesForServicesLegalGrp/TotalAmt04417
IRS990/FeesForServicesOtherGrp/TotalAmt0552276
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1840.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd10X
IRS990/Form990PartVIISectionAGrp/OfficerInd11X
IRS990/Form990PartVIISectionAGrp/OfficerInd12X
IRS990/Form990PartVIISectionAGrp/OfficerInd13X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt837145
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt934737
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1034144
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1115944
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt127389
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt141212
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt163013
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt17633
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt181883
IRS990/Form990PartVIISectionAGrp/PersonNm0PETER E BERTHIAUME
IRS990/Form990PartVIISectionAGrp/PersonNm1LAWRENCE OLIVEIRA
IRS990/Form990PartVIISectionAGrp/PersonNm2THOMAS J CARREIRO
IRS990/Form990PartVIISectionAGrp/PersonNm3DENNIS AUDETTE
IRS990/Form990PartVIISectionAGrp/PersonNm4HADEN COREDIRO
IRS990/Form990PartVIISectionAGrp/PersonNm5LAWRENCE J FINNERTY
IRS990/Form990PartVIISectionAGrp/PersonNm6NORA BARNES
IRS990/Form990PartVIISectionAGrp/PersonNm7STEVE WHITE
IRS990/Form990PartVIISectionAGrp/PersonNm8HUMBERTA VARAO
IRS990/Form990PartVIISectionAGrp/PersonNm9JENNIFER DELGADO
IRS990/Form990PartVIISectionAGrp/PersonNm10TARA DEGRACE
IRS990/Form990PartVIISectionAGrp/PersonNm11ALEXIA JACOBSON
IRS990/Form990PartVIISectionAGrp/PersonNm12LISA ARRAIAL
IRS990/Form990PartVIISectionAGrp/PersonNm13ERIC SCHIFRINE
IRS990/Form990PartVIISectionAGrp/PersonNm14MICHELLE GREENWALT
IRS990/Form990PartVIISectionAGrp/PersonNm15HELENA MAGANO
IRS990/Form990PartVIISectionAGrp/PersonNm16MARIA REGO
IRS990/Form990PartVIISectionAGrp/PersonNm17JOYCE FERREIRA
IRS990/Form990PartVIISectionAGrp/PersonNm18MICHELLE NORMAN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt019165
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt27065
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8214640
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt988403
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1080768
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1178606
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1284736
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1391866
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1422707
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1522846
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1614426
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt179188
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt184355
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER & CLERK
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP RISK MANAGEMENT & TRAINING
IRS990/Form990PartVIISectionAGrp/TitleTxt10CONTROLLER, VP
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt13CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP FINANCE/CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP RETAIL SERVICES/BRANCH ADMIN
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP RETAIL SERVICES/BRANCH ADMINISTRATION
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP OPERATIONS
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01932
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt07364242
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InvestmentIncomeGrp/ExclusionAmt01095701
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01095701
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt025565935
IRS990/InvestmentsProgramRelatedGrp/EOYAmt020726875
IRS990/IRPDocumentCnt01053
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01127406
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0531721
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0565664
IRS990/LandBldgEquipCostOrOtherBssAmt01693070
IRS990/LegalDomicileStateCd0MA
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0CREDIT UNION - PROVIDE THRIFT SERVICES TO MEMBERS WITH THE BEST SERVICE POSSIBLE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt014384239
IRS990/NetAssetsOrFundBalancesEOYAmt015418880
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0207304
IRS990/OfficeExpensesGrp/TotalAmt01171969
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06245783
IRS990/OtherAssetsTotalGrp/EOYAmt05647957
IRS990/OtherChangesInNetAssetsAmt0-100000
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0144753
IRS990/OtherExpensesGrp/Desc0PROVISION FOR CREDIT LO
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc3EDUCATIONAL EXPENSE
IRS990/OtherExpensesGrp/TotalAmt0210855
IRS990/OtherExpensesGrp/TotalAmt1179472
IRS990/OtherExpensesGrp/TotalAmt2127479
IRS990/OtherExpensesGrp/TotalAmt324303
IRS990/OtherLiabilitiesGrp/BOYAmt0146928811
IRS990/OtherLiabilitiesGrp/EOYAmt0145656479
IRS990/OtherOrganizationDsc0CU
IRS990/OtherSalariesAndWagesGrp/TotalAmt01146233
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0107827167
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0111408610
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0153596
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt018081
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0156713
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0113540
IRS990/PrincipalOfficerNm0HUMBERTA VARAO
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE CHARGES & FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05119324
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11119897
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05119324
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11149217
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt029320
IRS990/ProgSrvcAccomActy2Grp/Desc0MAKING OF LOANS TO MEMBERS AT MARKET RATES OF INTEREST.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0288823
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0518667
IRS990/PYOtherExpensesAmt02662797
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt05172415
IRS990/PYRevenuesLessExpensesAmt0692611
IRS990/PYSalariesCompEmpBnftPaidAmt02046851
IRS990/PYTotalExpensesAmt04998471
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05691082
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt01134641
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt014384239
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt015418880
IRS990/SavingsAndTempCashInvstGrp/BOYAmt019901976
IRS990/SavingsAndTempCashInvstGrp/EOYAmt022169676
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0163339
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0685662
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0849001
IRS990ScheduleD/EquipmentGrp/BookValueAmt0230125
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0441744
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0671869
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt016491
IRS990ScheduleD/ExpensesSubtotalAmt06213110
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt019922201
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt181000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2723674
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0HTM SECURITIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1FHLB CAPITAL STOCK
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2OTHER INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/LandGrp/BookValueAmt0172200
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0172200
IRS990ScheduleD/OtherExpensesNotIncludedAmt016491
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0145656479
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE AND SAVINGS ACCOUNTS
IRS990ScheduleD/OtherRevenuesNotIncludedAmt016493
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt016493
IRS990ScheduleD/RevenueSubtotalAmt07347749
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION SERVICES MORTGAGE LOANS. CUSTODIAL ESCROW BALANCES ARE MAINTAINED IN CONNECTION WITH THESE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS EXEMPT, UNDER INTERNAL REVENUE CODE (IRC) 501(C)(14), FROM MOST FEDERAL AND STATE INCOME TAXES. THE CREDIT UNION HAS FILED ITS ANNUAL 990 TAX RETURN FOR 2021, WHICH INDICATES THE CREDIT UNION HAD NO UNREALIZED BUSINESS INCOME TAX. THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES, AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2023 AND 2022. THE CREDIT UNION'S 2020 THROUGH CURRENT TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2REV INCLUDED IN EXP 16,491. ROUNDING 2.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt3REV INCLUDED IN EXP 16,491.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc3PART XII, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0565664
IRS990ScheduleD/TotalBookValueProgramRltdAmt020726875
IRS990ScheduleD/TotalExpensesPerForm990Amt06229601
IRS990ScheduleD/TotalLiabilityAmt0145656479
IRS990ScheduleD/TotalRevenuePerForm990Amt07364242
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt07347749
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt06213110
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0206645
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount07995

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