Civic Intelligence

Align Credit Union

990 • Fiscal year 2018 • EIN 04-1680140

Jan 01, 2018 to Dec 31, 2018 • Filed on May 01, 2019

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

40th percentile

0.88x

Higher debt load relative to assets than 40% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

83rd percentile

20.45x

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

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

4th percentile

2.8%

Higher net margin than 4% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

80th percentile

$573,701

Higher top officer pay than 80% of similar nonprofits.

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

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

7th percentile

-1.3%

Faster asset growth than 7% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

17th percentile

5.0%

Faster revenue growth than 17% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets40th percentile

Assets

Down

$571,266,691

Down $7,294,620 (-1.3%) from 2017

Net Assets

Down

$66,770,239

Down $2,102,975 (-3.1%) from 2017

Liabilities

Down

$504,496,452

Down $5,191,645 (-1.0%) from 2017

Revenue And Expenses
Liabilities / Revenue83rd percentileNet Margin4th percentile

Revenue

Up

$24,664,776

Up $1,180,710 (+5.0%) from 2017

Expenses

Up

$23,986,410

Up $1,751,671 (+7.9%) from 2017

Net Income

Down

$678,366

Down $570,961 (-46%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth7th 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

2018

Assets$571,266,691
Liabilities$504,496,452
Net Assets$66,770,239
Open 2018 Filing

Operations Trend

Revenue Growth17th 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

2018

Revenue$24,664,776
Expenses$23,986,410
Net Income$678,366
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 1, 2019
Return Version
2018v3.1
Gross Receipts
$24,664,776
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$379,243,846$398,347,391▲ $19,103,545
Investments in Publicly Traded Securities$151,663,606$127,451,763▼ $24,211,843
Rtn Earn Endowment Incm Other Fnds$68,873,214$66,770,239▼ $2,102,975
Cash and Non-Interest-Bearing Accounts$8,893,257$12,408,732▲ $3,515,475
Land, Buildings, and Equipment, Net$10,033,711$9,707,831▼ $325,880
Savings and Temporary Cash Investments$14,152,825$9,338,577▼ $4,814,248
Investments Other Securities$4,616,400$4,018,300▼ $598,100
Total Assets$578,561,311$571,266,691▼ $7,294,620
Other Assets Total$9,957,666$9,994,097▲ $36,431
Liabilities
Other Liabilities$509,141,320$504,149,426▼ $4,991,894
Accounts Payable and Accrued Expenses$546,777$347,026▼ $199,751
Total Liabilities$509,688,097$504,496,452▼ $5,191,645
Net Assets / Fund Balance
Total Net Assets Fund Balance$68,873,214$66,770,239▼ $2,102,975
Total Liabilities and Net Assets / Fund Balance$578,561,311$571,266,691▼ $7,294,620

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,255,534$4,755,227$11,010,761
Equipment$1,327,297$3,034,731$4,362,028
Land$2,125,000-$2,125,000
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kenneth M Del RossiPresident anFT$458,804$114,897$573,701
Kenneth M Del RossiPresident and CEO-$429,584$144,117$573,701
Thomas HammondCFO-$250,861$33,487$284,348
Amy SpindllerMortgage Ori-$186,910$26,138$213,048
Amy SpindllerMortgage Origination-$71,346$141,702$213,048
Joanne MccarthySr VP of Ret-$150,813$9,614$160,427
Joanne MccarthySr VP of Retail-$146,630$13,797$160,427

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
$16,090,764
Investment Income
$3,900,660
Other Revenue
$4,673,352
Change in Net Assets
$678,366

Audited Revenue Reconciliation

Revenue per Audited Statements
$24,664,776
Total Revenue per Audited Statements
$24,664,776
Total Revenue per Form 990
$24,664,776
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,802,873
Salaries, Compensation, and Employee Benefits$10,530,175
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$6,627,149--$6,627,149
Benefits to Members$2,653,362--$2,653,362
Other Employee Benefits$1,039,227$519,535-$1,558,762
Interest$1,213,711--$1,213,711
Current Officers, Directors, Trustees, and Key Employees$333,687$867,065-$1,200,752
Occupancy-$1,166,370-$1,166,370
Depreciation Depletion-$951,358-$951,358
Payroll Taxes$411,857$205,898-$617,755
Other Expenses$586,541$789,861-$586,541
Office Expenses-$561,451-$561,451
Pension Plan Contributions$350,522$175,235-$525,757
All Other Expenses$363,271--$363,271
Conferences and Meetings$75,933$37,961-$113,894
Fees for Services Legal-$24,221-$24,221
Total Functional Expenses$15,359,755$8,626,655$0$23,986,410

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$23,986,410
Total Expenses per Audited Statements$23,986,410
Total Expenses per Form 990$23,986,410
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$430,154,385
Borrowings$70,000,000
Other Liabilities$2,291,390
MORTGAGORS' TAX ESCROW$1,703,651
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
2019-05-01

Organization Details

Principal Officer
Kenneth M Del Rossi
Formed
1922
Legal Domicile
Ma
Voting Board Members
13
Independent Board Members
13
Employees
166

Preparer

Firm
MERCADANTE & MERCADANTE PC CPA'S
Address
29 MECHANIC ST PO BOX 2125, FITCHBURG, MA 01420-0013
Preparer
Anthony J Mercadante
Phone
9783420647
Raw XML AppendixShowing 400 of 471 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0546777
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0347026
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0THE 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/AllOtherExpensesGrp/ProgramServicesAmt0363271
IRS990/AllOtherExpensesGrp/TotalAmt0363271
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0false
IRS990/BenefitsToMembersGrp/ProgramServicesAmt02653362
IRS990/BenefitsToMembersGrp/TotalAmt02653362
IRS990/BooksInCareOfDetail/PersonNm0KENNETH M DEL ROSSI
IRS990/BooksInCareOfDetail/PhoneNum09784529961
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt040 MARKET STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0LOWELL
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd001851
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt08893257
IRS990/CashNonInterestBearingGrp/EOYAmt012408732
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt0867065
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0333687
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01200752
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt037961
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt075933
IRS990/ConferencesMeetingsGrp/TotalAmt0113894
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt02653362
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt03900660
IRS990/CYOtherExpensesAmt010802873
IRS990/CYOtherRevenueAmt04673352
IRS990/CYProgramServiceRevenueAmt016090764
IRS990/CYRevenuesLessExpensesAmt0678366
IRS990/CYSalariesCompEmpBnftPaidAmt010530175
IRS990/CYTotalExpensesAmt023986410
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt024664776
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt0951358
IRS990/DepreciationDepletionGrp/TotalAmt0951358
IRS990/Desc0DIVIDENDS AND INTEREST PAID ON MEMBERS DEPOSITS
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt0166
IRS990/EmploymentTaxReturnsFiledInd0false
IRS990/ExpenseAmt02653362
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt024221
IRS990/FeesForServicesLegalGrp/TotalAmt024221
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt340.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd13X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt0114897
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1426899
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt159614
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1626138
IRS990/Form990PartVIISectionAGrp/PersonNm0KENNETH M DEL ROSSI
IRS990/Form990PartVIISectionAGrp/PersonNm1GEORGE R GAGAN
IRS990/Form990PartVIISectionAGrp/PersonNm2FRANCIS J MCKENNEY
IRS990/Form990PartVIISectionAGrp/PersonNm3KAREN A MORRIS
IRS990/Form990PartVIISectionAGrp/PersonNm4STEVEN J BABBITT
IRS990/Form990PartVIISectionAGrp/PersonNm5FRANK H LOSPENNATO
IRS990/Form990PartVIISectionAGrp/PersonNm6DAVID R MORRIS
IRS990/Form990PartVIISectionAGrp/PersonNm7RICHARD W PIECEWICZ
IRS990/Form990PartVIISectionAGrp/PersonNm8LINDA L PURTELL
IRS990/Form990PartVIISectionAGrp/PersonNm9ALAN J SEXTON
IRS990/Form990PartVIISectionAGrp/PersonNm10MAXWELL RODGERS
IRS990/Form990PartVIISectionAGrp/PersonNm11MARTIN E CONWAY
IRS990/Form990PartVIISectionAGrp/PersonNm12JOSEPH FORSTER
IRS990/Form990PartVIISectionAGrp/PersonNm13KATHLEEN E MCKENNEY
IRS990/Form990PartVIISectionAGrp/PersonNm14THOMAS HAMMOND
IRS990/Form990PartVIISectionAGrp/PersonNm15JOANNE MCCARTHY
IRS990/Form990PartVIISectionAGrp/PersonNm16AMY SPINDLLER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0458804
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14257449
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15150813
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16186910
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT AN
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt21ST VICE-CHA
IRS990/Form990PartVIISectionAGrp/TitleTxt3CLERK
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt72ND VICE-CHA
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt15SR VP OF RET
IRS990/Form990PartVIISectionAGrp/TitleTxt16MORTGAGE ORI
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01922
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt013
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt024664776
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt013
IRS990/IndivRcvdGreaterThan100KCnt05
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InterestGrp/ProgramServicesAmt01213711
IRS990/InterestGrp/TotalAmt01213711
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt03900660
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt03900660
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt04616400
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt04018300
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0151663606
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0127451763
IRS990/IRPDocumentCnt013492
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt07789958
IRS990/LandBldgEquipBasisNetGrp/BOYAmt010033711
IRS990/LandBldgEquipBasisNetGrp/EOYAmt09707831
IRS990/LandBldgEquipCostOrOtherBssAmt017497789
IRS990/LegalDomicileStateCd0MA
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt0292722
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0315563
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt022841
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/NetAssetsOrFundBalancesBOYAmt068873214
IRS990/NetAssetsOrFundBalancesEOYAmt066770239
IRS990/NetUnrlzdGainsLossesInvstAmt0-2781341
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt01166370
IRS990/OccupancyGrp/TotalAmt01166370
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0561451
IRS990/OfficeExpensesGrp/TotalAmt0561451
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09957666
IRS990/OtherAssetsTotalGrp/EOYAmt09994097
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0519535
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt01039227
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01558762
IRS990/OtherExpensesGrp/Desc0OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc1SERVICE CONTRACT
IRS990/OtherExpensesGrp/Desc2ADVERTISING/MARKETING
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt03327700
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1789861
IRS990/OtherExpensesGrp/ProgramServicesAmt01704495
IRS990/OtherExpensesGrp/ProgramServicesAmt1586541
IRS990/OtherExpensesGrp/TotalAmt03327700
IRS990/OtherExpensesGrp/TotalAmt11704495
IRS990/OtherExpensesGrp/TotalAmt2789861
IRS990/OtherExpensesGrp/TotalAmt3586541
IRS990/OtherLiabilitiesGrp/BOYAmt0509141320
IRS990/OtherLiabilitiesGrp/EOYAmt0504149426
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/Desc0OTHER REVENUE
IRS990/OtherRevenueMiscGrp/Desc1ATM INT CHG INC
IRS990/OtherRevenueMiscGrp/Desc2INTER CHANGE CREDIT CARD
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02519862
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt11209175
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2628752
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02519862
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11209175
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2628752
IRS990/OtherRevenueTotalAmt04673352
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt06627149
IRS990/OtherSalariesAndWagesGrp/TotalAmt06627149
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0379243846
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0398347391
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0205898
IRS990/PayrollTaxesGrp/ProgramServicesAmt0411857
IRS990/PayrollTaxesGrp/TotalAmt0617755
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0175235
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0350522
IRS990/PensionPlanContributionsGrp/TotalAmt0525757
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0KENNETH M DEL ROSSI
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt016090764
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt016090764
IRS990/ProgSrvcAccomActy2Grp/Desc0GRANTING CREDIT TO MEMBERS WITH VARIOUS LOAN PRODUCTS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt012422769
IRS990/ProgSrvcAccomActy3Grp/Desc0MEMBER SERVICES INCLUDING DEBIT AND CREDIT CARDS.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0283624
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt02373300
IRS990/PYInvestmentIncomeAmt04245610
IRS990/PYOtherExpensesAmt010198008
IRS990/PYOtherRevenueAmt04543115
IRS990/PYProgramServiceRevenueAmt014695341
IRS990/PYRevenuesLessExpensesAmt01249327
IRS990/PYSalariesCompEmpBnftPaidAmt09663431
IRS990/PYTotalExpensesAmt022234739
IRS990/PYTotalRevenueAmt023484066
IRS990/ReconcilationRevenueExpnssAmt0678366
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt068873214
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt066770239
IRS990/SavingsAndTempCashInvstGrp/BOYAmt014152825
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09338577
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt06255534
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04755227
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt011010761
IRS990ScheduleD/EquipmentGrp/BookValueAmt01327297
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03034731
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04362028
IRS990ScheduleD/ExpensesSubtotalAmt023986410
IRS990ScheduleD/LandGrp/BookValueAmt02125000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02125000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0430154385
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt170000000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt22291390
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31703651
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARE AND DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1BORROWINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2OTHER LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3MORTGAGORS' TAX ESCROW
IRS990ScheduleD/RevenueSubtotalAmt024664776
IRS990ScheduleD/TotalBookValueLandBuildingsAmt09707831
IRS990ScheduleD/TotalExpensesPerForm990Amt023986410
IRS990ScheduleD/TotalLiabilityAmt0504149426
IRS990ScheduleD/TotalRevenuePerForm990Amt024664776
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt024664776
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt023986410
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0429584
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1250861
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2146630
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt371346
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount014223
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount15292
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount22879
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount3115248
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt0114897
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt126899
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt29614
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt326138
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt014997
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt11296
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt21304
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt3316
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KENNETH M DEL ROSSI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1THOMAS HAMMOND
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2JOANNE MCCARTHY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3AMY SPINDLLER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT AND CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2SR VP OF RETAIL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3MORTGAGE ORIGINATION
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0573701
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1284348
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2160427
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt3213048
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/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$571,266,691
Liabilities
$504,496,452
Net assets
$66,770,239
Revenue
$24,664,776
Expenses
$23,986,410
Net income
$678,366
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
2018Detailed filing. Detailed filing data is available for this year.$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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2018 filings • 501(c)14 • $250M-$1B nonprofits