Civic Intelligence

Align Credit Union

990 • Fiscal year 2019 • EIN 04-1680140

Jan 01, 2019 to Dec 31, 2019 • Filed on Apr 21, 2020

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

43rd percentile

0.88x

Higher debt load relative to assets than 43% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

91st percentile

20.71x

Higher debt load relative to revenue than 91% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

12th percentile

7.0%

Higher net margin than 12% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

76th percentile

$592,122

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Asset Growth

89th percentile

12%

Faster asset growth than 89% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

61st percentile

11%

Faster revenue growth than 61% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$641,056,129

Up $69,789,438 (+12%) from 2018

Net Assets

Up

$75,011,512

Up $8,241,273 (+12%) from 2018

Liabilities

Up

$566,044,617

Up $61,548,165 (+12%) from 2018

Revenue And Expenses
Liabilities / Revenue91st percentileNet Margin12th percentile

Revenue

Up

$27,329,261

Up $2,664,485 (+11%) from 2018

Expenses

Up

$25,413,125

Up $1,426,715 (+5.9%) from 2018

Net Income

Up

$1,916,136

Up $1,237,770 (+182%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth89th 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

2019

Assets$641,056,129
Liabilities$566,044,617
Net Assets$75,011,512
Open 2019 Filing

Operations Trend

Revenue Growth61st 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

2019

Revenue$27,329,261
Expenses$25,413,125
Net Income$1,916,136
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Apr 21, 2020
Return Version
2019v5.0
Gross Receipts
$27,329,261
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$398,347,391$415,442,112▲ $17,094,721
Investments in Publicly Traded Securities$127,451,763$173,896,973▲ $46,445,210
Rtn Earn Endowment Incm Other Fnds$66,770,239$75,011,512▲ $8,241,273
Savings and Temporary Cash Investments$9,338,577$16,833,795▲ $7,495,218
Cash and Non-Interest-Bearing Accounts$12,408,732$10,460,496▼ $1,948,236
Land, Buildings, and Equipment, Net$9,707,831$9,470,611▼ $237,220
Investments Other Securities$4,018,300$4,636,000▲ $617,700
Total Assets$571,266,691$641,056,129▲ $69,789,438
Other Assets Total$9,994,097$10,316,142▲ $322,045
Liabilities
Other Liabilities$504,149,426$565,347,779▲ $61,198,353
Accounts Payable and Accrued Expenses$347,026$696,838▲ $349,812
Total Liabilities$504,496,452$566,044,617▲ $61,548,165
Net Assets / Fund Balance
Total Net Assets Fund Balance$66,770,239$75,011,512▲ $8,241,273
Total Liabilities and Net Assets / Fund Balance$571,266,691$641,056,129▲ $69,789,438

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,098,059$5,040,060$11,138,119
Equipment$1,247,552$3,337,279$4,584,831
Land$2,125,000-$2,125,000
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kenneth M Del RossiPresident anFT$476,484$115,638$592,122
Kenneth M Del RossiPresident and CEO-$446,437$145,685$592,122
Thomas HammondCFOFT$259,518$35,211$294,729
Brian BacciChief LendinFT$191,745$27,023$218,768
Brian BacciChief Lending Office-$187,789$30,979$218,768
Katie RockettMortgage OriFT$160,719$23,468$184,187
Katie RockettMortgage Origination-$40,019$144,168$184,187
Joanne MccarthySr VP of RetFT$151,523$9,912$161,435
Joanne MccarthySr VP of Retail-$147,307$14,128$161,435

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
$17,899,335
Investment Income
$4,652,338
Other Revenue
$4,777,588
Change in Net Assets
$1,916,136

Audited Revenue Reconciliation

Revenue per Audited Statements
$27,329,261
Total Revenue per Audited Statements
$27,329,261
Total Revenue per Form 990
$27,329,261
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$11,346,578
Salaries, Compensation, and Employee Benefits$10,711,653
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$6,831,918--$6,831,918
Benefits to Members$3,354,894--$3,354,894
Interest$2,134,526--$2,134,526
Other Employee Benefits$992,540$496,196-$1,488,736
Current Officers, Directors, Trustees, and Key Employees$160,719$1,086,847-$1,247,566
Occupancy-$1,104,655-$1,104,655
Depreciation Depletion-$976,863-$976,863
Payroll Taxes$424,347$212,142-$636,489
Pension Plan Contributions$337,980$168,964-$506,944
Office Expenses-$496,617-$496,617
Other Expenses$671,924$488,080-$488,080
All Other Expenses$228,212--$228,212
Conferences and Meetings$111,990$55,987-$167,977
Fees for Services Legal-$13,947-$13,947
Total Functional Expenses$17,090,808$8,322,317$0$25,413,125

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$25,413,125
Total Expenses per Audited Statements$25,413,125
Total Expenses per Form 990$25,413,125
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$463,086,638
Borrowings$98,000,000
Other Liabilities$2,447,731
MORTGAGORS' TAX ESCROW$1,813,410
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
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
2020-04-21

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
Raw XML AppendixShowing 400 of 485 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/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT AN
IRS990/Form990PartVIISectionAGrp/TitleTxt1CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHIEF LENDIN
IRS990/Form990PartVIISectionAGrp/TitleTxt3MORTGAGE ORI
IRS990/Form990PartVIISectionAGrp/TitleTxt4SR VP OF RET
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt9TREASURER
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IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt142ND VICE-CHA
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
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IRS990/MethodOfAccountingAccrualInd0X
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IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0573102
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt036389
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/OccupancyGrp/ManagementAndGeneralAmt01104655
IRS990/OccupancyGrp/TotalAmt01104655
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0496617
IRS990/OfficeExpensesGrp/TotalAmt0496617
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09994097
IRS990/OtherAssetsTotalGrp/EOYAmt010316142
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0496196
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0992540
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01488736
IRS990/OtherExpensesGrp/Desc0OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc1SERVICE CONTRACT
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3ADVERTISING/MARKETING
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt03222019
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1488080
IRS990/OtherExpensesGrp/ProgramServicesAmt01841758
IRS990/OtherExpensesGrp/ProgramServicesAmt1671924
IRS990/OtherExpensesGrp/TotalAmt03222019
IRS990/OtherExpensesGrp/TotalAmt11841758
IRS990/OtherExpensesGrp/TotalAmt2671924
IRS990/OtherExpensesGrp/TotalAmt3488080
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IRS990/OtherLiabilitiesGrp/EOYAmt0565347779
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/Desc0OTHER REVENUE
IRS990/OtherRevenueMiscGrp/Desc1ATM INT CHG INC
IRS990/OtherRevenueMiscGrp/Desc2INT CHG CREDIT CARD
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02398508
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt11208313
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11208313
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2597665
IRS990/OtherRevenueTotalAmt04777588
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt06831918
IRS990/OtherSalariesAndWagesGrp/TotalAmt06831918
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0398347391
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0415442112
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0212142
IRS990/PayrollTaxesGrp/ProgramServicesAmt0424347
IRS990/PayrollTaxesGrp/TotalAmt0636489
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0168964
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0337980
IRS990/PensionPlanContributionsGrp/TotalAmt0506944
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0KENNETH M DEL ROSSI
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt017899335
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt017899335
IRS990/ProgSrvcAccomActy2Grp/Desc0GRANTING CREDIT TO MEMBERS WITH VARIOUS LOAN PRODUCTS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt013538846
IRS990/ProgSrvcAccomActy3Grp/Desc0MEMBER SERVICES INCLUDING DEBIT AND CREDIT CARDS.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0197068
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt02653362
IRS990/PYInvestmentIncomeAmt03900660
IRS990/PYOtherExpensesAmt010802873
IRS990/PYOtherRevenueAmt04673352
IRS990/PYProgramServiceRevenueAmt016090764
IRS990/PYRevenuesLessExpensesAmt0678366
IRS990/PYSalariesCompEmpBnftPaidAmt010530175
IRS990/PYTotalExpensesAmt023986410
IRS990/PYTotalRevenueAmt024664776
IRS990/ReconcilationRevenueExpnssAmt01916136
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt066770239
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt075011512
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09338577
IRS990/SavingsAndTempCashInvstGrp/EOYAmt016833795
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt06098059
IRS990ScheduleD/BuildingsGrp/DepreciationAmt05040060
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt011138119
IRS990ScheduleD/EquipmentGrp/BookValueAmt01247552
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03337279
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04584831
IRS990ScheduleD/ExpensesSubtotalAmt025413125
IRS990ScheduleD/LandGrp/BookValueAmt02125000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02125000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0463086638
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt198000000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt22447731
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31813410
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARE AND DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1BORROWINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2OTHER LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3MORTGAGORS' TAX ESCROW
IRS990ScheduleD/RevenueSubtotalAmt027329261
IRS990ScheduleD/TotalBookValueLandBuildingsAmt09470611
IRS990ScheduleD/TotalExpensesPerForm990Amt025413125
IRS990ScheduleD/TotalLiabilityAmt0565347779
IRS990ScheduleD/TotalRevenuePerForm990Amt027329261
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt027329261
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt025413125
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0446437
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1259518
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2187789
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt340019
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4147307
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount014592
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount15019
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount23702
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount3120636
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount42904
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt0115638
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt127634
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt227023
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt323468
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt49912
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt015455
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt12558
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt2254
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt364
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt41312
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KENNETH M DEL ROSSI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1THOMAS HAMMOND
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2BRIAN BACCI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3KATIE ROCKETT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4JOANNE MCCARTHY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT AND CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CHIEF LENDING OFFICE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3MORTGAGE ORIGINATION
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4SR VP OF RETAIL
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1294729
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2218768
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt3184187
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt4161435
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

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$641,056,129
Liabilities
$566,044,617
Net assets
$75,011,512
Revenue
$27,329,261
Expenses
$25,413,125
Net income
$1,916,136
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
2019Detailed filing. Detailed filing data is available for this year.$641$566$75.0$27.3$25.4$1.92
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$571$504$66.8$24.7$24.0$0.68
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$579$510$68.9$23.5$22.2$1.25
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$584$517$66.7$22.0$21.2$0.77
2015Detailed filing. Detailed filing data is available for this year.$564$495$68.6$21.8$20.6$1.22
2014Detailed filing. Detailed filing data is available for this year.$561$494$67.0$21.0$20.8$0.21
2013Summary only. Only limited summary data is available for this year.$546$485$61.9$22.2$21.7$0.46
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$543$471$72.6$22.2
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$528$459$69.1$23.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$518$452$66.3$23.7
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