Civic Intelligence

Align Credit Union

990 • Fiscal year 2017 • EIN 04-1680140

Jan 01, 2017 to Dec 31, 2017 • Filed on May 05, 2018

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

32nd percentile

0.88x

Higher debt load relative to assets than 32% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

84th percentile

21.70x

Higher debt load relative to revenue than 84% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

13th percentile

5.3%

Higher net margin than 13% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

76th percentile

$563,436

Higher top officer pay than 76% of similar nonprofits.

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

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

5th percentile

-0.9%

Faster asset growth than 5% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

37th percentile

6.7%

Faster revenue growth than 37% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Down

$578,561,311

Down $5,144,327 (-0.9%) from 2016

Net Assets

Up

$68,873,214

Up $2,152,589 (+3.2%) from 2016

Liabilities

Down

$509,688,097

Down $7,296,916 (-1.4%) from 2016

Revenue And Expenses
Liabilities / Revenue84th percentileNet Margin13th percentile

Revenue

Up

$23,484,066

Up $1,471,328 (+6.7%) from 2016

Expenses

Up

$22,234,739

Up $990,576 (+4.7%) from 2016

Net Income

Up

$1,249,327

Up $480,752 (+63%) from 2016

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

2017

Assets$578,561,311
Liabilities$509,688,097
Net Assets$68,873,214
Open 2017 Filing

Operations Trend

Revenue Growth37th 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

2017

Revenue$23,484,066
Expenses$22,234,739
Net Income$1,249,327
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 5, 2018
Return Version
2017v2.3
Gross Receipts
$23,484,066
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$371,126,389$379,243,846▲ $8,117,457
Investments in Publicly Traded Securities$167,692,213$151,663,606▼ $16,028,607
Rtn Earn Endowment Incm Other Fnds$66,720,625$68,873,214▲ $2,152,589
Savings and Temporary Cash Investments$16,324,639$14,152,825▼ $2,171,814
Land, Buildings, and Equipment, Net$9,658,934$10,033,711▲ $374,777
Cash and Non-Interest-Bearing Accounts$4,870,989$8,893,257▲ $4,022,268
Investments Other Securities$4,841,200$4,616,400▼ $224,800
Total Assets$583,705,638$578,561,311▼ $5,144,327
Other Assets Total$9,191,274$9,957,666▲ $766,392
Liabilities
Other Liabilities$516,486,466$509,141,320▼ $7,345,146
Accounts Payable and Accrued Expenses$498,547$546,777▲ $48,230
Total Liabilities$516,985,013$509,688,097▼ $7,296,916
Net Assets / Fund Balance
Total Net Assets Fund Balance$66,720,625$68,873,214▲ $2,152,589
Total Liabilities and Net Assets / Fund Balance$583,705,638$578,561,311▼ $5,144,327

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,374,163$4,438,529$10,812,692
Equipment$1,534,548$2,730,757$4,265,305
Land$2,125,000-$2,125,000
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kenneth M Del RossiPresident anFT$449,377$114,059$563,436
Kenneth M Del RossiPresident and CEO-$421,115$142,321$563,436
Thomas HammondCFO-$239,417$32,035$271,452
Michelle BelskisMortage Orig-$162,256$1,590$163,846
Michelle BelskisMortage Originator-$37,591$126,255$163,846
Joanne MccarthySr VP of Ret-$145,235$9,283$154,518
Joanne MccarthySr VP of Retail-$141,316$13,202$154,518
Judy DodierSVP Business-$125,708$25,338$151,046
Judy DodierSVP Business Dev-$122,797$28,249$151,046

Board Members and Trustees

NameTitle
George R GaganChairman
Alan J SextonDirector
David R MorrisDirector
Joseph ForsterDirector
Kathleen E MckenneyDirector
Linda L PurtellDirector
Martin E ConwayDirector
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
$14,695,341
Investment Income
$4,245,610
Other Revenue
$4,543,115
Change in Net Assets
$1,249,327

Audited Revenue Reconciliation

Revenue per Audited Statements
$23,484,066
Total Revenue per Audited Statements
$23,484,066
Total Revenue per Form 990
$23,484,066
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,198,008
Salaries, Compensation, and Employee Benefits$9,663,431
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$6,153,817--$6,153,817
Benefits to Members$2,373,300--$2,373,300
Other Employee Benefits$908,014$453,939-$1,361,953
Occupancy-$1,177,061-$1,177,061
Current Officers, Directors, Trustees, and Key Employees$162,256$965,627-$1,127,883
Depreciation Depletion-$887,256-$887,256
Interest$763,866--$763,866
Office Expenses-$598,139-$598,139
Payroll Taxes$370,507$185,225-$555,732
Pension Plan Contributions$309,379$154,667-$464,046
Other Expenses$391,398$885,463-$391,398
All Other Expenses$198,711$85,619-$284,330
Conferences and Meetings$90,607$45,298-$135,905
Fees for Services Legal-$12,806-$12,806
Total Functional Expenses$13,405,494$8,829,245$0$22,234,739

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$22,234,739
Total Expenses per Audited Statements$22,234,739
Total Expenses per Form 990$22,234,739
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$433,716,336
Borrowings$71,000,000
Other Liabilities$2,781,846
MORTGAGORS' TAX ESCROW$1,643,138
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
2018-05-05

Organization Details

Principal Officer
Kenneth M Del Rossi
Formed
1922
Legal Domicile
Ma
Voting Board Members
13
Independent Board Members
13
Employees
154

Preparer

Firm
MERCADANTE & MERCADANTE PC CPA'S
Address
29 MECHANIC ST PO BOX 2125, FITCHBURG, MA 01420-0013
Preparer
Anthony J Mercadante
Phone
9783420647
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT AN
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IRS990/Form990PartVIISectionAGrp/TitleTxt15SR VP OF RET
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IRS990/Form990PartVIISectionAGrp/TitleTxt17MORTAGE ORIG
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IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
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IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0444849
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt026320
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/NetUnrelatedBusTxblIncmAmt0-95479
IRS990/NetUnrlzdGainsLossesInvstAmt0903262
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IRS990/OccupancyGrp/ManagementAndGeneralAmt01177061
IRS990/OccupancyGrp/TotalAmt01177061
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0598139
IRS990/OfficeExpensesGrp/TotalAmt0598139
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherAssetsTotalGrp/EOYAmt09957666
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0453939
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0908014
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01361953
IRS990/OtherExpensesGrp/Desc0OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc1SERVICE CONTRACT
IRS990/OtherExpensesGrp/Desc2ADVERTISING/MARKETING
IRS990/OtherExpensesGrp/Desc3CREDIT CARD EXPENSE
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt03378145
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1885463
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IRS990/OtherExpensesGrp/ProgramServicesAmt1391398
IRS990/OtherExpensesGrp/TotalAmt03378145
IRS990/OtherExpensesGrp/TotalAmt11683639
IRS990/OtherExpensesGrp/TotalAmt2885463
IRS990/OtherExpensesGrp/TotalAmt3391398
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IRS990/OtherLiabilitiesGrp/EOYAmt0509141320
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/Desc0OTHER REVENUE
IRS990/OtherRevenueMiscGrp/Desc1ATM INT CHG INC
IRS990/OtherRevenueMiscGrp/Desc2INT CHG CREDIT CARD
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02396583
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt11062093
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2639590
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02396583
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11062093
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2639590
IRS990/OtherRevenueTotalAmt04543115
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt06153817
IRS990/OtherSalariesAndWagesGrp/TotalAmt06153817
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0371126389
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0379243846
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0185225
IRS990/PayrollTaxesGrp/ProgramServicesAmt0370507
IRS990/PayrollTaxesGrp/TotalAmt0555732
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0154667
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0309379
IRS990/PensionPlanContributionsGrp/TotalAmt0464046
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0KENNETH M DEL ROSSI
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt014695341
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt014695341
IRS990/ProgSrvcAccomActy2Grp/Desc0GRANTING CREDIT TO MEMBERS WITH VARIOUS LOAN PRODUCTS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt010640796
IRS990/ProgSrvcAccomActy3Grp/Desc0MEMBER SERVICES INCLUDING DEBIT AND CREDIT CARDS.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0391398
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt02395530
IRS990/PYInvestmentIncomeAmt03345383
IRS990/PYOtherExpensesAmt09439033
IRS990/PYOtherRevenueAmt04732964
IRS990/PYProgramServiceRevenueAmt013934391
IRS990/PYRevenuesLessExpensesAmt0768575
IRS990/PYSalariesCompEmpBnftPaidAmt09409600
IRS990/PYTotalExpensesAmt021244163
IRS990/PYTotalRevenueAmt022012738
IRS990/ReconcilationRevenueExpnssAmt01249327
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt066720625
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt068873214
IRS990/SavingsAndTempCashInvstGrp/BOYAmt016324639
IRS990/SavingsAndTempCashInvstGrp/EOYAmt014152825
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt06374163
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04438529
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt010812692
IRS990ScheduleD/EquipmentGrp/BookValueAmt01534548
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02730757
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04265305
IRS990ScheduleD/ExpensesSubtotalAmt022234739
IRS990ScheduleD/LandGrp/BookValueAmt02125000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02125000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0433716336
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt171000000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt22781846
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31643138
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARE AND DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1BORROWINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2OTHER LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3MORTGAGORS' TAX ESCROW
IRS990ScheduleD/RevenueSubtotalAmt023484066
IRS990ScheduleD/TotalBookValueLandBuildingsAmt010033711
IRS990ScheduleD/TotalExpensesPerForm990Amt022234739
IRS990ScheduleD/TotalLiabilityAmt0509141320
IRS990ScheduleD/TotalRevenuePerForm990Amt023484066
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt023484066
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt022234739
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0421115
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1239417
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2141316
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3122797
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt437591
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount013943
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount14663
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount22711
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount32361
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount4124565
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt0114059
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt126145
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt29283
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt325338
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt41590
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt014319
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt11227
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt21208
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt3550
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt4100
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KENNETH M DEL ROSSI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1THOMAS HAMMOND
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2JOANNE MCCARTHY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3JUDY DODIER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4MICHELLE BELSKIS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT AND CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2SR VP OF RETAIL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3SVP BUSINESS DEV
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4MORTAGE ORIGINATOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0563436
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1271452
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2154518
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt3151046
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt4163846
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

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$578,561,311
Liabilities
$509,688,097
Net assets
$68,873,214
Revenue
$23,484,066
Expenses
$22,234,739
Net income
$1,249,327
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
2017Detailed filing. Detailed filing data is available for this year.$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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