Civic Intelligence

Align Credit Union

990 • Fiscal year 2015 • EIN 04-1680140

Jan 01, 2015 to Dec 31, 2015 • Filed on May 15, 2016

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.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

83rd percentile

22.73x

Higher debt load relative to revenue than 83% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

12th percentile

5.6%

Higher net margin than 12% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

48th percentile

$378,316

Higher top officer pay than 48% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

5th percentile

0.4%

Faster asset growth than 5% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

38th percentile

3.9%

Faster revenue growth than 38% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets30th percentile

Assets

Up

$563,550,434

Up $2,209,005 (+0.4%) from 2014

Net Assets

Up

$68,639,355

Up $1,629,420 (+2.4%) from 2014

Liabilities

Up

$494,911,079

Up $579,585 (+0.1%) from 2014

Revenue And Expenses
Liabilities / Revenue83rd percentileNet Margin12th percentile

Revenue

Up

$21,778,250

Up $814,310 (+3.9%) from 2014

Expenses

Down

$20,558,327

Down $196,757 (-0.9%) from 2014

Net Income

Up

$1,219,923

Up $1,011,067 (+484%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth5th 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

2015

Assets$563,550,434
Liabilities$494,911,079
Net Assets$68,639,355
Open 2015 Filing

Operations Trend

Revenue Growth38th 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

2015

Revenue$21,778,250
Expenses$20,558,327
Net Income$1,219,923
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 15, 2016
Return Version
2015v2.1
Gross Receipts
$21,778,250
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$311,658,995$337,408,993▲ $25,749,998
Investments in Publicly Traded Securities$210,559,952$180,797,059▼ $29,762,893
Rtn Earn Endowment Incm Other Fnds$67,009,935$68,639,355▲ $1,629,420
Savings and Temporary Cash Investments$10,009,657$16,792,974▲ $6,783,317
Land, Buildings, and Equipment, Net$9,253,041$8,985,732▼ $267,309
Cash and Non-Interest-Bearing Accounts$5,000,095$5,043,457▲ $43,362
Investments Other Securities$5,253,000$4,952,800▼ $300,200
Total Assets$561,341,429$563,550,434▲ $2,209,005
Other Assets Total$9,606,689$9,569,419▼ $37,270
Liabilities
Other Liabilities$494,003,908$494,446,268▲ $442,360
Accounts Payable and Accrued Expenses$327,586$464,811▲ $137,225
Total Liabilities$494,331,494$494,911,079▲ $579,585
Net Assets / Fund Balance
Total Net Assets Fund Balance$67,009,935$68,639,355▲ $1,629,420
Total Liabilities and Net Assets / Fund Balance$561,341,429$563,550,434▲ $2,209,005

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,637,160$4,104,865$9,742,025
Equipment$1,223,572$2,821,524$4,045,096
Land$2,125,000-$2,125,000
Compensation and Service Providers
Top Officer Pay48th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kenneth M Del RossiPresident anFT$260,354$117,962$378,316
Kenneth M Del RossiPresident and CEO-$237,056$141,260$378,316
Thomas HammondCFO-$208,627$34,514$243,141
Sue MorrisonSr VP of Hr/-$150,306$11,624$161,930
Sue MorrisonSr VP of Hr/operatio-$146,661$15,269$161,930
Judy DodierVP of Home F-$122,533$22,122$144,655
Joanne MccarthySr VP of Ret-$114,981$9,325$124,306

Board Members and Trustees

NameTitle
George R GaganChairman
Alan J SextonDirector
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
$13,069,117
Investment Income
$4,603,013
Other Revenue
$4,106,120
Change in Net Assets
$1,219,923

Audited Revenue Reconciliation

Revenue per Audited Statements
$21,778,250
Total Revenue per Audited Statements
$21,778,250
Total Revenue per Form 990
$21,778,250
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$9,192,087
Other Expenses$8,779,081
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$5,837,156--$5,837,156
Benefits to Members$2,587,159--$2,587,159
Other Employee Benefits$859,854$429,927-$1,289,781
Occupancy-$1,108,161-$1,108,161
Depreciation Depletion-$942,407-$942,407
Current Officers, Directors, Trustees, and Key Employees-$892,987-$892,987
Pension Plan Contributions$415,285$234,877-$650,162
Payroll Taxes$348,001$174,000-$522,001
Office Expenses-$502,232-$502,232
Other Expenses-$485,878-$485,878
Interest-$442,936-$442,936
Conferences and Meetings$78,010$39,005-$117,015
Fees for Services Legal-$28,438-$28,438
All Other Expenses$-48,021--$-48,021
Total Functional Expenses$10,077,444$10,480,883$0$20,558,327

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$20,558,327
Total Expenses per Audited Statements$20,558,327
Total Expenses per Form 990$20,558,327
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$426,140,486
Borrowings$65,000,000
Other Liabilities$1,851,956
MORTGAGORS' TAX ESCROW$1,424,218
Fc Disc Rate Adj Cds$29,608
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 M Del Rossi
Title
President and CEO
Phone
9784529961
Signed
2016-05-15

Organization Details

Principal Officer
Kenneth M Del Rossi
Formed
1922
Legal Domicile
Ma
Voting Board Members
12
Independent Board Members
12
Employees
148

Preparer

Firm
MERCADANTE & MERCADANTE PC CPA'S
Address
PO BOX 2125, FITCHBURG, MA 01420
Preparer
Anthony J Mercadante
Phone
9783420647
Raw XML AppendixShowing 400 of 457 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/InfoInScheduleOPartVIInd0X
IRS990/InterestGrp/ManagementAndGeneralAmt0442936
IRS990/InterestGrp/TotalAmt0442936
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt04603013
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04603013
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt08985732
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IRS990/LegalDomicileStateCd0MA
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt0304223
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0321440
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt017217
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/NetAssetsOrFundBalancesBOYAmt067009935
IRS990/NetAssetsOrFundBalancesEOYAmt068639355
IRS990/NetUnrelatedBusTxblIncmAmt0-92017
IRS990/NetUnrlzdGainsLossesInvstAmt0409497
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt01108161
IRS990/OccupancyGrp/TotalAmt01108161
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0502232
IRS990/OfficeExpensesGrp/TotalAmt0502232
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09606689
IRS990/OtherAssetsTotalGrp/EOYAmt09569419
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0429927
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0859854
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01289781
IRS990/OtherExpensesGrp/Desc0OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc1SERVICE CONTRACT
IRS990/OtherExpensesGrp/Desc2ADVERTISING/MARKETING
IRS990/OtherExpensesGrp/Desc3CREDIT CARD EXPENSE
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt03005235
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt11443834
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2750966
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3485878
IRS990/OtherExpensesGrp/TotalAmt03005235
IRS990/OtherExpensesGrp/TotalAmt11443834
IRS990/OtherExpensesGrp/TotalAmt2750966
IRS990/OtherExpensesGrp/TotalAmt3485878
IRS990/OtherLiabilitiesGrp/BOYAmt0494003908
IRS990/OtherLiabilitiesGrp/EOYAmt0494446268
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/Desc0OTHER REVENUE
IRS990/OtherRevenueMiscGrp/Desc1ATM INT CHG INC
IRS990/OtherRevenueMiscGrp/Desc2INT CHG CREDIT CARD
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02234448
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1879322
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2670910
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02234448
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1879322
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2670910
IRS990/OtherRevenueTotalAmt04106120
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt05837156
IRS990/OtherSalariesAndWagesGrp/TotalAmt05837156
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0311658995
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0337408993
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0174000
IRS990/PayrollTaxesGrp/ProgramServicesAmt0348001
IRS990/PayrollTaxesGrp/TotalAmt0522001
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0234877
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0415285
IRS990/PensionPlanContributionsGrp/TotalAmt0650162
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0KENNETH M DEL ROSSI
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt013069117
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt013069117
IRS990/ProgSrvcAccomActy2Grp/Desc0EMPLOYEE SALARIES, WAGES AND BENEFITS (EXCLUDING OFFICERS)
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt07460296
IRS990/ProgSrvcAccomActy3Grp/Desc0MEMBER SERVICES
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt029989
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt02781641
IRS990/PYInvestmentIncomeAmt04932541
IRS990/PYOtherExpensesAmt08597589
IRS990/PYOtherRevenueAmt03532614
IRS990/PYProgramServiceRevenueAmt012498785
IRS990/PYRevenuesLessExpensesAmt0208856
IRS990/PYSalariesCompEmpBnftPaidAmt09375854
IRS990/PYTotalExpensesAmt020755084
IRS990/PYTotalRevenueAmt020963940
IRS990/ReconcilationRevenueExpnssAmt01219923
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt067009935
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt068639355
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010009657
IRS990/SavingsAndTempCashInvstGrp/EOYAmt016792974
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt05637160
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04104865
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt09742025
IRS990ScheduleD/EquipmentGrp/BookValueAmt01223572
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02821524
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04045096
IRS990ScheduleD/ExpensesSubtotalAmt020558327
IRS990ScheduleD/LandGrp/BookValueAmt02125000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02125000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0426140486
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt165000000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt21851956
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31424218
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt429608
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARE AND DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1BORROWINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2OTHER LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3MORTGAGORS' TAX ESCROW
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4FC DISC RATE ADJ CDS
IRS990ScheduleD/RevenueSubtotalAmt021778250
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08985732
IRS990ScheduleD/TotalExpensesPerForm990Amt020558327
IRS990ScheduleD/TotalLiabilityAmt0494446268
IRS990ScheduleD/TotalRevenuePerForm990Amt021778250
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt021778250
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt020558327
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0237056
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1208627
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2146661
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount013183
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount13962
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount23061
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt010775
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt16251
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt24400
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt0107187
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt119310
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt27224
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt010115
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt14991
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt2584
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KENNETH M DEL ROSSI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1THOMAS HAMMOND
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2SUE MORRISON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT AND CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2SR VP OF HR/OPERATIO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0378316
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1243141
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2161930
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/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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0561341429
IRS990/TotalAssetsEOYAmt0563550434
IRS990/TotalAssetsGrp/BOYAmt0561341429
IRS990/TotalAssetsGrp/EOYAmt0563550434
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt0148
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$563,550,434
Liabilities
$494,911,079
Net assets
$68,639,355
Revenue
$21,778,250
Expenses
$20,558,327
Net income
$1,219,923
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