Civic Intelligence

Align Credit Union

990 • Fiscal year 2016 • EIN 04-1680140

Jan 01, 2016 to Dec 31, 2016 • Filed on May 10, 2017

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

37th percentile

0.89x

Higher debt load relative to assets than 37% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

87th percentile

23.49x

Higher debt load relative to revenue than 87% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

10th percentile

3.5%

Higher net margin than 10% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

79th percentile

$538,058

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 2.4% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

25th percentile

3.6%

Faster asset growth than 25% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

13th percentile

1.1%

Faster revenue growth than 13% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets37th percentile

Assets

Up

$583,705,638

Up $20,155,204 (+3.6%) from 2015

Net Assets

Down

$66,720,625

Down $1,918,730 (-2.8%) from 2015

Liabilities

Up

$516,985,013

Up $22,073,934 (+4.5%) from 2015

Revenue And Expenses
Liabilities / Revenue87th percentileNet Margin10th percentile

Revenue

Up

$22,012,738

Up $234,488 (+1.1%) from 2015

Expenses

Up

$21,244,163

Up $685,836 (+3.3%) from 2015

Net Income

Down

$768,575

Down $451,348 (-37%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth25th 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

2016

Assets$583,705,638
Liabilities$516,985,013
Net Assets$66,720,625
Open 2016 Filing

Operations Trend

Revenue Growth13th 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

2016

Revenue$22,012,738
Expenses$21,244,163
Net Income$768,575
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 10, 2017
Return Version
2016v3.0
Gross Receipts
$22,012,738
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$337,408,993$371,126,389▲ $33,717,396
Investments in Publicly Traded Securities$180,797,059$167,692,213▼ $13,104,846
Rtn Earn Endowment Incm Other Fnds$68,639,355$66,720,625▼ $1,918,730
Savings and Temporary Cash Investments$16,792,974$16,324,639▼ $468,335
Land, Buildings, and Equipment, Net$8,985,732$9,658,934▲ $673,202
Cash and Non-Interest-Bearing Accounts$5,043,457$4,870,989▼ $172,468
Investments Other Securities$4,952,800$4,841,200▼ $111,600
Total Assets$563,550,434$583,705,638▲ $20,155,204
Other Assets Total$9,569,419$9,191,274▼ $378,145
Liabilities
Other Liabilities$494,446,268$516,486,466▲ $22,040,198
Accounts Payable and Accrued Expenses$464,811$498,547▲ $33,736
Total Liabilities$494,911,079$516,985,013▲ $22,073,934
Net Assets / Fund Balance
Total Net Assets Fund Balance$68,639,355$66,720,625▼ $1,918,730
Total Liabilities and Net Assets / Fund Balance$563,550,434$583,705,638▲ $20,155,204

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,571,528$4,186,568$10,758,096
Equipment$962,406$3,214,691$4,177,097
Land$2,125,000-$2,125,000
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kenneth M Del RossiPresident anFT$426,617$111,441$538,058
Kenneth M Del RossiPresident and CEO-$404,532$133,526$538,058
Thomas HammondCFO-$223,040$29,023$252,063
Amy SpindlerMortage Orig-$173,768$22,522$196,290
Amy SpindlerMortage Originator-$35,198$161,092$196,290
Joanne MccarthySr VP of Ret-$142,096$8,163$150,259
Joanne MccarthySr VP of Retail-$138,386$11,873$150,259
Judy DodierVP of Home F-$123,715$22,697$146,412

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$13,934,391
Investment Income
$3,345,383
Other Revenue
$4,732,964
Change in Net Assets
$768,575

Audited Revenue Reconciliation

Revenue per Audited Statements
$22,012,738
Total Revenue per Audited Statements
$22,012,738
Total Revenue per Form 990
$22,012,738
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,439,033
Salaries, Compensation, and Employee Benefits$9,409,600
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$6,041,659--$6,041,659
Benefits to Members$2,395,530--$2,395,530
Other Employee Benefits$846,808$423,341-$1,270,149
Current Officers, Directors, Trustees, and Key Employees$306,674$788,054-$1,094,728
Occupancy-$1,076,678-$1,076,678
Depreciation Depletion-$834,402-$834,402
Office Expenses-$647,151-$647,151
Payroll Taxes$359,339$179,667-$539,006
Other Expenses$1,683,982$527,531-$527,531
Pension Plan Contributions$309,387$154,671-$464,058
Interest$361,931--$361,931
Conferences and Meetings$78,034$39,016-$117,050
Fees for Services Legal-$29,101-$29,101
All Other Expenses$-33,421$1,355-$-32,066
Total Functional Expenses$12,349,923$8,894,240$0$21,244,163

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$21,244,163
Total Expenses per Audited Statements$21,244,163
Total Expenses per Form 990$21,244,163
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$433,859,691
Borrowings$79,000,000
Other Liabilities$2,048,000
MORTGAGORS' TAX ESCROW$1,578,775
Fc Disc Rate Adj Cds-
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
2017-05-10

Organization Details

Principal Officer
Kenneth M Del Rossi
Formed
1922
Legal Domicile
Ma
Voting Board Members
10
Independent Board Members
10
Employees
150

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 452 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/LandBldgEquipBasisNetGrp/EOYAmt09658934
IRS990/LandBldgEquipCostOrOtherBssAmt017060193
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IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt0647981
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0672659
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt024678
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
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/NetUnrlzdGainsLossesInvstAmt0-2687305
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt01076678
IRS990/OccupancyGrp/TotalAmt01076678
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0647151
IRS990/OfficeExpensesGrp/TotalAmt0647151
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09569419
IRS990/OtherAssetsTotalGrp/EOYAmt09191274
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0423341
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0846808
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01270149
IRS990/OtherExpensesGrp/Desc0OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc1DATA PROCESSING SERVICES
IRS990/OtherExpensesGrp/Desc2ADVERTISING/MARKETING
IRS990/OtherExpensesGrp/Desc3CREDIT REPORT
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt03307261
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1886012
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2527531
IRS990/OtherExpensesGrp/ProgramServicesAmt01683982
IRS990/OtherExpensesGrp/TotalAmt03307261
IRS990/OtherExpensesGrp/TotalAmt11683982
IRS990/OtherExpensesGrp/TotalAmt2886012
IRS990/OtherExpensesGrp/TotalAmt3527531
IRS990/OtherLiabilitiesGrp/BOYAmt0494446268
IRS990/OtherLiabilitiesGrp/EOYAmt0516486466
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/Desc0OTHER REVENUE
IRS990/OtherRevenueMiscGrp/Desc1ATM INT CHG INC
IRS990/OtherRevenueMiscGrp/Desc2INT CHG CREDIT CARD
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02482280
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1945494
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2632531
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02482280
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1945494
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2632531
IRS990/OtherRevenueTotalAmt04732964
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt06041659
IRS990/OtherSalariesAndWagesGrp/TotalAmt06041659
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0337408993
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0371126389
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0179667
IRS990/PayrollTaxesGrp/ProgramServicesAmt0359339
IRS990/PayrollTaxesGrp/TotalAmt0539006
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0154671
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0309387
IRS990/PensionPlanContributionsGrp/TotalAmt0464058
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0KENNETH M DEL ROSSI
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt013934391
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt013934391
IRS990/ProgSrvcAccomActy2Grp/Desc0GRANTING CREDIT TO MEMBERS WITH VARIOUS LOAN PRODUCTS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt09849761
IRS990/ProgSrvcAccomActy3Grp/Desc0MEMBER SERVICES INCLUDING DEBIT AND CREDIT CARDS.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt033584
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt02587159
IRS990/PYInvestmentIncomeAmt04603013
IRS990/PYOtherExpensesAmt08779081
IRS990/PYOtherRevenueAmt04106120
IRS990/PYProgramServiceRevenueAmt013069117
IRS990/PYRevenuesLessExpensesAmt01219923
IRS990/PYSalariesCompEmpBnftPaidAmt09192087
IRS990/PYTotalExpensesAmt020558327
IRS990/PYTotalRevenueAmt021778250
IRS990/ReconcilationRevenueExpnssAmt0768575
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt068639355
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt066720625
IRS990/SavingsAndTempCashInvstGrp/BOYAmt016792974
IRS990/SavingsAndTempCashInvstGrp/EOYAmt016324639
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt06571528
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04186568
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt010758096
IRS990ScheduleD/EquipmentGrp/BookValueAmt0962406
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03214691
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04177097
IRS990ScheduleD/ExpensesSubtotalAmt021244163
IRS990ScheduleD/LandGrp/BookValueAmt02125000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02125000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0433859691
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt179000000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt22048000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31578775
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/RevenueSubtotalAmt022012738
IRS990ScheduleD/TotalBookValueLandBuildingsAmt09658934
IRS990ScheduleD/TotalExpensesPerForm990Amt021244163
IRS990ScheduleD/TotalLiabilityAmt0516486466
IRS990ScheduleD/TotalRevenuePerForm990Amt022012738
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt022012738
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt021244163
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0404532
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1223040
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2138386
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt335198
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount013638
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount14358
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount22658
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount3138552
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt0111441
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt123531
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt28163
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt322522
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt08447
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt11134
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt21052
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt318
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KENNETH M DEL ROSSI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1THOMAS HAMMOND
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2JOANNE MCCARTHY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3AMY SPINDLER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT AND CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2SR VP OF RETAIL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3MORTAGE ORIGINATOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0538058
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1252063
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2150259
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt3196290
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/TotalAssetsBOYAmt0563550434
IRS990/TotalAssetsEOYAmt0583705638
IRS990/TotalAssetsGrp/BOYAmt0563550434
IRS990/TotalAssetsGrp/EOYAmt0583705638
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt0150
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt08894240
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt012349923
IRS990/TotalFunctionalExpensesGrp/TotalAmt021244163
IRS990/TotalGrossUBIAmt024678
IRS990/TotalLiabilitiesBOYAmt0494911079
IRS990/TotalLiabilitiesEOYAmt0516985013
IRS990/TotalLiabilitiesGrp/BOYAmt0494911079

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$583,705,638
Liabilities
$516,985,013
Net assets
$66,720,625
Revenue
$22,012,738
Expenses
$21,244,163
Net income
$768,575
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
2016Detailed filing. Detailed filing data is available for this year.$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
Peer Organizations

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