Civic Intelligence

Align Credit Union

990 • Fiscal year 2014 • EIN 04-1680140

Jan 01, 2014 to Dec 31, 2014 • Filed on May 10, 2015

Organization ProfileWWW.ALIGNCU.ORG

View Organization Page

40 Market StreetLowell, MA 01851

(978) 452-9961

Siviq Scores

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

Liabilities / Assets

30th percentile

0.88x

Higher debt load relative to assets than 30% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Liabilities / Revenue

85th percentile

23.58x

Higher debt load relative to revenue than 85% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Net Margin

3rd percentile

1.0%

Higher net margin than 3% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Top Officer Pay

73rd percentile

$487,302

Higher top officer pay than 73% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Asset Growth

26th percentile

2.7%

Faster asset growth than 26% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Revenue Growth

8th percentile

-5.5%

Faster revenue growth than 8% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets30th percentile

Assets

Up

$561,341,429

Up $14,845,962 (+2.7%) from 2013

Net Assets

Up

$67,009,935

Up $5,116,507 (+8.3%) from 2013

Liabilities

Up

$494,331,494

Up $9,729,455 (+2.0%) from 2013

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin3rd percentile

Revenue

Down

$20,963,940

Down $1,214,614 (-5.5%) from 2013

Expenses

Down

$20,755,084

Down $967,802 (-4.5%) from 2013

Net Income

Down

$208,856

Down $246,812 (-54%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth26th percentile

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

$800M$600M$400M$200M$0Assets 2010: $518,011,481Liabilities 2010: $451,671,546Net Assets 2010: $66,339,9352010Assets 2011: $527,746,056Liabilities 2011: $458,650,728Net Assets 2011: $69,095,3282011Assets 2012: $543,411,904Liabilities 2012: $470,832,874Net Assets 2012: $72,579,0302012Assets 2013: $546,495,467Liabilities 2013: $484,602,039Net Assets 2013: $61,893,4282013Assets 2014: $561,341,429Liabilities 2014: $494,331,494Net Assets 2014: $67,009,9352014Assets 2015: $563,550,434Liabilities 2015: $494,911,079Net Assets 2015: $68,639,3552015Assets 2016: $583,705,638Liabilities 2016: $516,985,013Net Assets 2016: $66,720,6252016Assets 2017: $578,561,311Liabilities 2017: $509,688,097Net Assets 2017: $68,873,2142017Assets 2018: $571,266,691Liabilities 2018: $504,496,452Net Assets 2018: $66,770,2392018Assets 2019: $641,056,129Liabilities 2019: $566,044,617Net Assets 2019: $75,011,5122019Assets 2020: $692,602,330Liabilities 2020: $610,741,390Net Assets 2020: $81,860,9402020Assets 2021: $748,085,438Liabilities 2021: $673,453,305Net Assets 2021: $74,632,1332021Assets 2022: $703,539,071Liabilities 2022: $668,201,549Net Assets 2022: $35,337,5222022Assets 2023: $706,708,681Liabilities 2023: $668,987,920Net Assets 2023: $37,720,7612023Assets 2024: $669,475,106Liabilities 2024: $636,104,278Net Assets 2024: $33,370,8282024

Highlighted filing

2014

Assets$561,341,429
Liabilities$494,331,494
Net Assets$67,009,935
Open 2014 Filing

Operations Trend

Revenue Growth8th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$40M$20M$0-$20MExpenses 2010: $23,698,3852010Expenses 2011: $23,261,6192011Expenses 2012: $22,195,6072012Revenue 2013: $22,178,554Expenses 2013: $21,722,886Net Income 2013: $455,6682013Revenue 2014: $20,963,940Expenses 2014: $20,755,084Net Income 2014: $208,8562014Revenue 2015: $21,778,250Expenses 2015: $20,558,327Net Income 2015: $1,219,9232015Revenue 2016: $22,012,738Expenses 2016: $21,244,163Net Income 2016: $768,5752016Revenue 2017: $23,484,066Expenses 2017: $22,234,739Net Income 2017: $1,249,3272017Revenue 2018: $24,664,776Expenses 2018: $23,986,410Net Income 2018: $678,3662018Revenue 2019: $27,329,261Expenses 2019: $25,413,125Net Income 2019: $1,916,1362019Revenue 2020: $28,709,871Expenses 2020: $26,990,515Net Income 2020: $1,719,3562020Revenue 2021: $24,193,748Expenses 2021: $23,783,699Net Income 2021: $410,0492021Revenue 2022: $24,433,942Expenses 2022: $24,024,186Net Income 2022: $409,7562022Revenue 2023: $27,908,271Expenses 2023: $31,391,959Net Income 2023: -$3,483,6882023Revenue 2024: $29,485,904Expenses 2024: $38,156,747Net Income 2024: -$8,670,8432024

Highlighted filing

2014

Revenue$20,963,940
Expenses$20,755,084
Net Income$208,856
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 10, 2015
Return Version
2014v5.0
Gross Receipts
$20,963,940
Mission and Program Overview

Mission

The credit union accept deposits and grant loans to its members. Benefit paid are dividends on deposit accounts and granting accessible credit to its members.

The credit union accept deposits and grant loans to its members. Benefit paid are dividends on deposit accounts and granting accesible credit to its members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$283,599,270$311,658,995▲ $28,059,725
Investments in Publicly Traded Securities$229,204,677$210,559,952▼ $18,644,725
Rtn Earn Endowment Incm Other Fnds$61,893,428$67,009,935▲ $5,116,507
Savings and Temporary Cash Investments$5,005,816$10,009,657▲ $5,003,841
Land, Buildings, and Equipment, Net$9,865,675$9,253,041▼ $612,634
Investments Other Securities$4,918,800$5,253,000▲ $334,200
Cash and Non-Interest-Bearing Accounts$4,187,610$5,000,095▲ $812,485
Total Assets$546,495,467$561,341,429▲ $14,845,962
Other Assets Total$9,713,619$9,606,689▼ $106,930
Liabilities
Other Liabilities$484,157,218$494,003,908▲ $9,846,690
Accounts Payable and Accrued Expenses$444,821$327,586▼ $117,235
Total Liabilities$484,602,039$494,331,494▲ $9,729,455
Net Assets / Fund Balance
Total Net Assets Fund Balance$61,893,428$67,009,935▲ $5,116,507
Total Liabilities and Net Assets / Fund Balance$546,495,467$561,341,429▲ $14,845,962

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,553,999$3,881,667$9,435,666
Equipment$1,574,042$2,298,275$3,872,317
Land$2,125,000-$2,125,000
Compensation and Service Providers
Top Officer Pay73rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kenneth M Del RossiPresident anFT$342,708$144,594$487,302
Kenneth M Del RossiPresident and CEO-$320,490$166,812$487,302
Thomas HammondCFO-$197,216$56,514$253,730
Sue MorrisonSr VP of Hr/-$142,259$27,906$170,165
Sue MorrisonSr VP of Hr/operatio-$138,962$31,203$170,165
Joanne MccarthySr VP of Ret-$133,616$26,547$160,163
Joanne MccarthySr VP of Retail-$130,537$29,626$160,163
Judy DodierVP of Home F-$116,705$25,040$141,745

Board Members and Trustees

NameTitle
George R GaganChairman
Alan J SextonDirector
Daniel P GoldenDirector
David R MorrisDirector
Frank H LospennatoDirector
John J CrowleyDirector
Linda L PurtellDirector
Maxwell RodgersDirector
Steven J BabbittDirector
Francis J Mckenney1st Vice-CHA
Richard W Piecewicz2nd Vice-CHA
Karen a MorrisClerk
Steven P SousaTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$12,498,785
Investment Income
$4,932,541
Other Revenue
$3,532,614
Change in Net Assets
$208,856

Audited Revenue Reconciliation

Revenue per Audited Statements
$20,963,940
Total Revenue per Audited Statements
$20,963,940
Total Revenue per Form 990
$20,963,940
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$9,375,854
Other Expenses$8,597,589
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$5,623,844--$5,623,844
Benefits to Members$2,781,641--$2,781,641
Other Employee Benefits$461,062$922,125-$1,383,187
Current Officers, Directors, Trustees, and Key Employees-$1,059,538-$1,059,538
Occupancy-$1,002,592-$1,002,592
Depreciation Depletion-$956,622-$956,622
Pension Plan Contributions$422,809$330,427-$753,236
Payroll Taxes$370,699$185,350-$556,049
Office Expenses-$495,602-$495,602
Other Expenses-$436,680-$436,680
Interest-$390,278-$390,278
Conferences and Meetings$49,801$24,901-$74,702
All Other Expenses$64,724--$64,724
Fees for Services Legal-$20,781-$20,781
Total Functional Expenses$9,774,580$10,980,504$0$20,755,084

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$20,755,084
Total Expenses per Audited Statements$20,755,084
Total Expenses per Form 990$20,755,084
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
MEMBERS' SHARE AND DEPOSIT ACCOUNTS$416,289,450
Borrowings$75,000,000
Other Liabilities$1,508,305
MORTGAGORS' TAX ESCROW$1,206,153
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
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, Page 6, Part VI, Line 6

“The credit union has members”

Form 990, Page 6, Part VI, Line 7A

“The credit union holds an annual meeting according to its bylaws where all members are given proper notification. The bylaws call for the election of directors whose terms have expired.”

Form 990, Page 6, Part VI, Line 7B

“The credit union members ratify decisions of the governing body at their annual meeting and elect directors at that time.”

Form 990, Page 6, Part VI, Line 11B

“The organization contracts with their cpa firm to prepare form 990. After preparation, a draft copy is sent to the president and ceo and the chief financial officer for review. Once approved the 990 is filed. A copy of the 990 is provided to the audit committee and the full board for their review and ratification at the meeting following the filing of the form 990.”

Form 990, Page 6, Part VI, Line 15A

“The credit union uses an outside firm that does compensation analysis. The consulting firm survey all industries both locally and nationally and provides the credit union with salary level recommendations. The credit union's board of directors specically sets goals for the ceo annually and he is then evaluated on these goals and offer salary within the provided ranges.”

Form 990, Page 6, Part VI, Line 15B

“The credit union uses an outside firm that does compensation analysis. The consulting firm survey all industries both locally and nationally and provides the credit union with salary level recommendations. The credit union's board of directors specically sets goals for the ceo annually and he is then evaluated on these goals and offer salary within the provided ranges.”

Form 990, Page 6, Part VI, Line 19

“The credit union makes the document available upon request”

Filing and Contact Details

Filer

Filer Name
Align Credit Union
EIN
04-1680140
Phone
9784529961
Address
40 MARKET STREET, LOWELL, MA 01851

Signing Officer

Name
Kenneth Del Rossi
Title
President
Phone
9784529961
Signed
2015-05-10

Organization Details

Principal Officer
Kenneth Del Rossi
Formed
1922
Legal Domicile
Ma
Voting Board Members
12
Independent Board Members
12
Employees
133

Preparer

Firm
MERCADANTE & MERCADANTE PC CPA'S
Address
PO BOX 2125, FITCHBURG, MA 01420
Preparer
Anthony J Mercadante
Phone
9783420647
Supplemental Narrative

Additional Explanations

Form 990, Page 12, Part XII, Line 2C

“The audit committee assumes responsibility for the oversight of the audit of its financial statements and the selection of an independent auditor.”

Raw XML AppendixShowing 400 of 478 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/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/SecuritiesAmt0585790
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt012
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IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0585790
IRS990/GrossReceiptsAmt020963940
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IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InterestGrp/ManagementAndGeneralAmt0390278
IRS990/InterestGrp/TotalAmt0390278
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt04346751
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04346751
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IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt04918800
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt05253000
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0229204677
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0210559952
IRS990/IRPDocumentCnt012779
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt06179942
IRS990/LandBldgEquipBasisNetGrp/BOYAmt09865675
IRS990/LandBldgEquipBasisNetGrp/EOYAmt09253041
IRS990/LandBldgEquipCostOrOtherBssAmt015432983
IRS990/LegalDomicileStateCd0MA
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt018653
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt018653
IRS990/MissionDesc0THE CREDIT UNION ACCEPT DEPOSITS AND GRANT LOANS TO ITS MEMBERS. BENEFIT PAID ARE DIVIDENDS ON DEPOSIT ACCOUNTS AND GRANTING ACCESIBLE CREDIT TO ITS MEMBERS
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt061893428
IRS990/NetAssetsOrFundBalancesEOYAmt067009935
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0585790
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0585790
IRS990/NetUnrelatedBusTxblIncmAmt0-84944
IRS990/NetUnrlzdGainsLossesInvstAmt04907651
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt01002592
IRS990/OccupancyGrp/TotalAmt01002592
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0495602
IRS990/OfficeExpensesGrp/TotalAmt0495602
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09713619
IRS990/OtherAssetsTotalGrp/EOYAmt09606689
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0922125
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0461062
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01383187
IRS990/OtherExpensesGrp/Desc0MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc1SERVICE CONTRACT
IRS990/OtherExpensesGrp/Desc2ADVERTISING/MARKETING
IRS990/OtherExpensesGrp/Desc3CREDIT CARD EXPENSE
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt03132277
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt11147692
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2875639
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3436680
IRS990/OtherExpensesGrp/TotalAmt03132277
IRS990/OtherExpensesGrp/TotalAmt11147692
IRS990/OtherExpensesGrp/TotalAmt2875639
IRS990/OtherExpensesGrp/TotalAmt3436680
IRS990/OtherLiabilitiesGrp/BOYAmt0484157218
IRS990/OtherLiabilitiesGrp/EOYAmt0494003908
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/Desc0OTHER REVENUE
IRS990/OtherRevenueMiscGrp/Desc1ATM INT CHG INC
IRS990/OtherRevenueMiscGrp/Desc2INT CHG CREDIT CARD
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02032271
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1827623
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2654067
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02032271
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1827623
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2654067
IRS990/OtherRevenueTotalAmt03532614
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt05623844
IRS990/OtherSalariesAndWagesGrp/TotalAmt05623844
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0283599270
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0311658995
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0185350
IRS990/PayrollTaxesGrp/ProgramServicesAmt0370699
IRS990/PayrollTaxesGrp/TotalAmt0556049
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0330427
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0422809
IRS990/PensionPlanContributionsGrp/TotalAmt0753236
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0KENNETH DEL ROSSI
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTERST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt012498785
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt012498785
IRS990/ProgSrvcAccomActy2Grp/Desc0EMPLOYEE SALARIES, WAGES AND BENEFITS (EXCLUDING OFFICERS)
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt06878414
IRS990/ProgSrvcAccomActy3Grp/Desc0MEMBER SERVICES
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0114525
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt03005879
IRS990/PYInvestmentIncomeAmt03988140
IRS990/PYOtherExpensesAmt09683234
IRS990/PYOtherRevenueAmt05844811
IRS990/PYProgramServiceRevenueAmt012345603
IRS990/PYRevenuesLessExpensesAmt0455668
IRS990/PYSalariesCompEmpBnftPaidAmt09033773
IRS990/PYTotalExpensesAmt021722886
IRS990/PYTotalRevenueAmt022178554
IRS990/ReconcilationRevenueExpnssAmt0208856
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt061893428
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt067009935
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05005816
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010009657
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt05553999
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03881667
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt09435666
IRS990ScheduleD/EquipmentGrp/BookValueAmt01574042
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02298275
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03872317
IRS990ScheduleD/ExpensesSubtotalAmt020755084
IRS990ScheduleD/LandGrp/BookValueAmt02125000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02125000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0416289450
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt175000000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt21508305
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31206153
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARE AND DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1BORROWINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2OTHER LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3MORTGAGORS' TAX ESCROW
IRS990ScheduleD/RevenueSubtotalAmt020963940
IRS990ScheduleD/TotalBookValueLandBuildingsAmt09253041
IRS990ScheduleD/TotalExpensesPerForm990Amt020755084
IRS990ScheduleD/TotalLiabilityAmt0494003908
IRS990ScheduleD/TotalRevenuePerForm990Amt020963940
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt020963940
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt020755084
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0320490
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1197216
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2138962
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3130537
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount012441
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount13828
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount22724
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount32506
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt0126287
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt130784
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt221189
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt319956
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt018307
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt117719
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt26717
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt36591
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt09777
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt14183
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt2573
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt3573
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KENNETH M DEL ROSSI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1THOMAS HAMMOND
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2SUE MORRISON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3JOANNE MCCARTHY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT AND CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2SR VP OF HR/OPERATIO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3SR VP OF RETAIL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0487302
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1253730
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2170165
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt3160163
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HOLDS AN ANNUAL MEETING ACCORDING TO ITS BYLAWS WHERE ALL MEMBERS ARE GIVEN PROPER NOTIFICATION. THE BYLAWS CALL FOR THE ELECTION OF DIRECTORS WHOSE TERMS HAVE EXPIRED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION MEMBERS RATIFY DECISIONS OF THE GOVERNING BODY AT THEIR ANNUAL MEETING AND ELECT DIRECTORS AT THAT TIME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION CONTRACTS WITH THEIR CPA FIRM TO PREPARE FORM 990. AFTER PREPARATION, A DRAFT COPY IS SENT TO THE PRESIDENT AND CEO AND THE CHIEF FINANCIAL OFFICER FOR REVIEW. ONCE APPROVED THE 990 IS FILED. A COPY OF THE 990 IS PROVIDED TO THE AUDIT COMMITTEE AND THE FULL BOARD FOR THEIR REVIEW AND RATIFICATION AT THE MEETING FOLLOWING THE FILING OF THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION USES AN OUTSIDE FIRM THAT DOES COMPENSATION ANALYSIS. THE CONSULTING FIRM SURVEY ALL INDUSTRIES BOTH LOCALLY AND NATIONALLY AND PROVIDES THE CREDIT UNION WITH SALARY LEVEL RECOMMENDATIONS. THE CREDIT UNION'S BOARD OF DIRECTORS SPECICALLY SETS GOALS FOR THE CEO ANNUALLY AND HE IS THEN EVALUATED ON THESE GOALS AND OFFER SALARY WITHIN THE PROVIDED RANGES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION USES AN OUTSIDE FIRM THAT DOES COMPENSATION ANALYSIS. THE CONSULTING FIRM SURVEY ALL INDUSTRIES BOTH LOCALLY AND NATIONALLY AND PROVIDES THE CREDIT UNION WITH SALARY LEVEL RECOMMENDATIONS. THE CREDIT UNION'S BOARD OF DIRECTORS SPECICALLY SETS GOALS FOR THE CEO ANNUALLY AND HE IS THEN EVALUATED ON THESE GOALS AND OFFER SALARY WITHIN THE PROVIDED RANGES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION MAKES THE DOCUMENT AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE AUDIT COMMITTEE ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$561,341,429
Liabilities
$494,331,494
Net assets
$67,009,935
Revenue
$20,963,940
Expenses
$20,755,084
Net income
$208,856
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$669$636$33.4$29.5$38.2$8.67
2023Detailed filing. Detailed filing data is available for this year.$707$669$37.7$27.9$31.4$3.48
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$704$668$35.3$24.4$24.0$0.41
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$748$673$74.6$24.2$23.8$0.41
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$693$611$81.9$28.7$27.0$1.72
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$641$566$75.0$27.3$25.4$1.92
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$571$504$66.8$24.7$24.0$0.68
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$579$510$68.9$23.5$22.2$1.25
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$584$517$66.7$22.0$21.2$0.77
2015Detailed filing. Detailed filing data is available for this year.$564$495$68.6$21.8$20.6$1.22
2014Detailed filing. Detailed filing data is available for this year.$561$494$67.0$21.0$20.8$0.21
2013Summary only. Only limited summary data is available for this year.$546$485$61.9$22.2$21.7$0.46
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$543$471$72.6$22.2
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$528$459$69.1$23.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$518$452$66.3$23.7
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