Civic Intelligence

Align Credit Union

990 • Fiscal year 2021 • EIN 04-1680140

Jan 01, 2021 to Dec 31, 2021 • Filed on Sep 21, 2022

40 Market StreetLowell, MA 01852

(800) 942-9575

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

48th percentile

0.90x

Higher debt load relative to assets than 48% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2021

Liabilities / Revenue

89th percentile

27.84x

Higher debt load relative to revenue than 89% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2021

Net Margin

1st percentile

1.7%

Higher net margin than 1% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2021

Top Officer Pay

84th percentile

$669,642

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 2.8% of source-year revenue.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2021

Asset Growth

24th percentile

8.0%

Faster asset growth than 24% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2020 to 2021

Revenue Growth

1st percentile

-16%

Faster revenue growth than 1% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2020 to 2021

Assets

Up

$748,085,438

Up $55,483,108 (+8.0%) from 2020

Net Assets

Down

$74,632,133

Down $7,228,807 (-8.8%) from 2020

Liabilities

Up

$673,453,305

Up $62,711,915 (+10%) from 2020

Revenue

Down

$24,193,748

Down $4,516,123 (-16%) from 2020

Expenses

Down

$23,783,699

Down $3,206,816 (-12%) from 2020

Net Income

Down

$410,049

Down $1,309,307 (-76%) from 2020

Historical Trend

Balance Sheet Trend

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

2021

Assets$748,085,438
Liabilities$673,453,305
Net Assets$74,632,133

Operations Trend

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

2021

Revenue$24,193,748
Expenses$23,783,699
Net Income$410,049
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Sep 21, 2022
Return Version
2021v4.2
Gross Receipts
$44,087,228
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 accepts deposits and grants loans to its members. Benefits paid are dividends on deposit accounts and granting accessible credit to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$394,577,055$344,772,102▼ $49,804,953
Investments in Publicly Traded Securities$140,866,046$317,132,396▲ $176,266,350
Rtn Earn Endowment Incm Other Fnds$81,860,940$74,632,133▼ $7,228,807
Savings and Temporary Cash Investments$108,932,464$44,265,483▼ $64,666,981
Cash and Non-Interest-Bearing Accounts$25,409,750$18,618,775▼ $6,790,975
Land, Buildings, and Equipment, Net$9,255,232$9,045,022▼ $210,210
Investments Other Securities$2,880,200$2,620,600▼ $259,600
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$692,602,330$748,085,438▲ $55,483,108
Other Assets Total$10,681,583$11,631,060▲ $949,477
Liabilities
Other Liabilities$610,089,324$672,587,200▲ $62,497,876
Accounts Payable and Accrued Expenses$652,066$866,105▲ $214,039
Total Liabilities$610,741,390$673,453,305▲ $62,711,915
Net Assets / Fund Balance
Total Net Assets Fund Balance$81,860,940$74,632,133▼ $7,228,807
Total Liabilities and Net Assets / Fund Balance$692,602,330$748,085,438▲ $55,483,108

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,513,712$5,053,215$10,566,927
Equipment$1,049,667$3,740,592$4,790,259
Land$2,125,000-$2,125,000
Leasehold Improvements$356,643$582,554$939,197
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kenneth M Del RossiPresident and CEOFT$489,042$180,600$669,642
Thomas HammondCFOFT$268,810$59,531$328,341
Brian BacciEvp/COOFT$255,936$29,143$285,079
Lydia VazquezChief Lending OfficerFT$156,250$43,956$200,206
Joanne MccarthySVP Retail & Chief Retention OfficerFT$158,580$25,903$184,483
Maryann BedardSenior VP Consumer LendingFT$134,422$32,679$167,101
Todd CaronCIOFT$122,180$41,155$163,335
Mark PalermoSVP Chief Investment OfficerFT$117,390$42,451$159,841
Susan GillVP Accounting/financeFT$125,846$33,492$159,338
Sandra LamploughSVP OperationsFT$121,230$32,738$153,968

Board Members and Trustees

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv INCFi Technology75 REMITTANCE DRIVE SUITE 6969, Chicago, IL 60675-6969$1,454,369
Shi International CorpIt ServicesPO BOX 952121, Dallas, TX 75395-2121$201,957
Vernco Centre LLCManagement Company70 WASHINGTON STREET SUITE 310, Salem, MA 01970$176,948
Rk FraminghamManagement Company50 CABOT STREET SUITE 200, Needham, MA 02494$153,142
Computer Services INCIt Services3901 TECHNOLOGY DRIVE, Paducah, KY 42001$150,005
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,663,309
Investment Income
$4,975,937
Other Revenue
$4,554,502
Change in Net Assets
$410,049

Audited Revenue Reconciliation

Revenue per Audited Statements
$24,193,748
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$24,193,748
Total Revenue per Form 990
$24,193,748
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$11,663,361
Other Expenses$8,911,940
Grants and Similar Amounts Paid$210,933
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$7,554,368--$7,554,368
Benefits to Members$2,997,465--$2,997,465
Other Employee Benefits$1,016,451$500,640-$1,517,091
Current Officers, Directors, Trustees, and Key Employees$323,402$1,055,315-$1,378,717
Occupancy-$1,129,363-$1,129,363
Depreciation Depletion-$928,046-$928,046
Office Expenses-$796,908-$796,908
Payroll Taxes$475,965$234,431-$710,396
Interest$619,993--$619,993
Pension Plan Contributions$336,869$165,920-$502,789
Grants to Domestic Orgs$210,933--$210,933
Other Expenses$195,760$233,404-$195,760
All Other Expenses$157,944--$157,944
Fees for Services Legal-$71,843-$71,843
Conferences and Meetings$6,346$3,126-$9,472
Total Functional Expenses$15,606,304$8,177,395$0$23,783,699

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$23,783,699
Total Expenses per Audited Statements$23,783,699
Total Expenses per Form 990$23,783,699
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Boys & Girls Club of Greater LowellLowell, MA501(c)(3)Program Support/local Event$15,000
Manolis Family Foundation IncDracut, MA501(c)(3)Local Community Event$10,000
Greater Lowell YmcaLowell, MA501(c)(3)Program Support$6,000
Lwell Community Health CenterLowell, MA501(c)(3)Program Support/local Event$6,000
Middlesex Community CollegeLowell, MA-Program Support$5,500
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$622,305,713
Borrowings$45,000,000
Other Liabilities$3,507,222
MORTGAGORS' TAX ESCROW$1,774,265
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

The credit union has members.

Form 990, Part VI, Section A, 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, Part VI, Section A, Line 7B

The credit union members ratify decisions of the governing body at their annual meeting and elect directors at that time.

Form 990, Part VI, Section B, 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 commitee and the full board for their review and ratification at the meeting following the filing of the form 990.

Form 990, Part VI, Section B, Line 15

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 specifically sets goals for the ceo annually and he is then evaluated on these goals and offer salary within the provided ranges.

Form 990, Part VI, Section C, 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
8009429575
Address
40 MARKET STREET, LOWELL, MA 01852

Signing Officer

Name
Kenneth M Del Rossi
Title
President and CEO
Phone
8009429575
Signed
2022-09-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kenneth M Del Rossi
Formed
1922
Legal Domicile
Ma
Voting Board Members
11
Independent Board Members
10
Employees
171
Volunteers
0

Preparer

Firm
Spinelli CPA Pc
Address
146 WEST BOYLSTON DRIVE SUITE 302, WORCESTER, MA 01606
Preparer
Karen Spinelli
Phone
5083656522
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

The credit union holds funds in escrow to pay insurance and taxes on behalf of its mortgage loan accounts.

PART X, LINE 2:

Management has analyzed the tax positions taken by the credit union and has concluded there are no uncertain positions taken or expected to be taken that would require recognition of a liability or disclosure in the consolidated financial statements.

Raw XML AppendixShowing 400 of 785 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/OtherCompensationAmt12146844
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1351797
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1429106
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1520696
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1640590
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1729042
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1829457
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1938250
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2028853
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2138860
IRS990/Form990PartVIISectionAGrp/PersonNm0GEORGE R GAGAN
IRS990/Form990PartVIISectionAGrp/PersonNm1FRANCIS J MCKENNEY
IRS990/Form990PartVIISectionAGrp/PersonNm2KAREN A MORRIS
IRS990/Form990PartVIISectionAGrp/PersonNm3STEVEN J BABBITT
IRS990/Form990PartVIISectionAGrp/PersonNm4FRANK H LOSPENNATO
IRS990/Form990PartVIISectionAGrp/PersonNm5DAVID R MORRIS
IRS990/Form990PartVIISectionAGrp/PersonNm6RICHARD W PIECEWICZ
IRS990/Form990PartVIISectionAGrp/PersonNm7LINDA L PURTELL
IRS990/Form990PartVIISectionAGrp/PersonNm8ALAN J SEXTON
IRS990/Form990PartVIISectionAGrp/PersonNm9MARTIN E CONWAY
IRS990/Form990PartVIISectionAGrp/PersonNm10JOSEPH FORSTER
IRS990/Form990PartVIISectionAGrp/PersonNm11KATHLEEN E MCKENNEY
IRS990/Form990PartVIISectionAGrp/PersonNm12KENNETH M DEL ROSSI
IRS990/Form990PartVIISectionAGrp/PersonNm13THOMAS HAMMOND
IRS990/Form990PartVIISectionAGrp/PersonNm14BRIAN BACCI
IRS990/Form990PartVIISectionAGrp/PersonNm15JOANNE MCCARTHY
IRS990/Form990PartVIISectionAGrp/PersonNm16LYDIA VAZQUEZ
IRS990/Form990PartVIISectionAGrp/PersonNm17MARYANN BEDARD
IRS990/Form990PartVIISectionAGrp/PersonNm18SUSAN GILL
IRS990/Form990PartVIISectionAGrp/PersonNm19TODD CARON
IRS990/Form990PartVIISectionAGrp/PersonNm20SANDRA LAMPLOUGH
IRS990/Form990PartVIISectionAGrp/PersonNm21MARK PALERMO
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
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/ReportableCompFromOrgAmt12522798
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13276544
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14255973
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15163787
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16159616
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17138059
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18129881
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19125085
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20125115
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21120981
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/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt11ST VICE-CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2CLERK
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt62ND VICE-CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12PRESIDENT AND CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt13CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt14EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP RETAIL & CHIEF RETENTION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17SENIOR VP CONSUMER LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP ACCOUNTING/FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt19CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt20SVP OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt21SVP CHIEF INVESTMENT OFFICER
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01922
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0387701
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt0210933
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0210933
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt020281181
IRS990/GrossReceiptsAmt044087228
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InterestGrp/ProgramServicesAmt0619993
IRS990/InterestGrp/TotalAmt0619993
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt04588236
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04588236
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt02880200
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt02620600
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0140866046
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0317132396
IRS990/IRPDocumentCnt014547
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt09376361
IRS990/LandBldgEquipBasisNetGrp/BOYAmt09255232
IRS990/LandBldgEquipBasisNetGrp/EOYAmt09045022
IRS990/LandBldgEquipCostOrOtherBssAmt018421383
IRS990/LegalDomicileStateCd0MA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt019893480
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt0403432
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0461992
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt058560
IRS990/MissionDesc0THE CREDIT UNION ACCEPT DEPOSITS AND GRANT LOANS TO ITS MEMBERS. BENEFIT PAID ARE DIVIDENDS ON DEPOSIT ACCOUNTS AND GRANTING ACCESSIBLE CREDIT TO ITS MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt081860940
IRS990/NetAssetsOrFundBalancesEOYAmt074632133
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0387701
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0387701
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-7638856
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt01129363
IRS990/OccupancyGrp/TotalAmt01129363
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0796908
IRS990/OfficeExpensesGrp/TotalAmt0796908
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt010681583
IRS990/OtherAssetsTotalGrp/EOYAmt011631060
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0500640
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt01016451
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01517091
IRS990/OtherExpensesGrp/Desc0OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc1SERVICE CONTRACT
IRS990/OtherExpensesGrp/Desc2ADVERTISING/MARKETING
IRS990/OtherExpensesGrp/Desc3ALL OTHER EXPENSES
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt03058399
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1233404
IRS990/OtherExpensesGrp/ProgramServicesAmt01710808
IRS990/OtherExpensesGrp/ProgramServicesAmt1195760
IRS990/OtherExpensesGrp/TotalAmt03058399
IRS990/OtherExpensesGrp/TotalAmt11710808
IRS990/OtherExpensesGrp/TotalAmt2233404
IRS990/OtherExpensesGrp/TotalAmt3195760
IRS990/OtherLiabilitiesGrp/BOYAmt0610089324
IRS990/OtherLiabilitiesGrp/EOYAmt0672587200
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER REVENUE
IRS990/OtherRevenueMiscGrp/Desc1ATM INT CHG INC
IRS990/OtherRevenueMiscGrp/Desc2INT CHG CREDIT CARD
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01970671
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt11336855
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2784984
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01970671
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11336855
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2784984
IRS990/OtherRevenueTotalAmt04554502
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt07554368
IRS990/OtherSalariesAndWagesGrp/TotalAmt07554368
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0394577055
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0344772102
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0234431
IRS990/PayrollTaxesGrp/ProgramServicesAmt0475965
IRS990/PayrollTaxesGrp/TotalAmt0710396
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0165920
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0336869
IRS990/PensionPlanContributionsGrp/TotalAmt0502789
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0KENNETH M DEL ROSSI
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt014663309
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt014663309
IRS990/ProgSrvcAccomActy2Grp/Desc0GRANTING CREDIT TO MEMBERS WITH VARIOUS LOAN PRODUCTS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt012422611
IRS990/ProgSrvcAccomActy3Grp/Desc0MEMBER SERVICES INCLUDING DEBIT AND CREDIT CARDS.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0186228
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt03817024
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt05733297
IRS990/PYOtherExpensesAmt011440281
IRS990/PYOtherRevenueAmt05770224

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

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
2021Detailed filing. Detailed filing data is available for this year.$748$673$74.6$24.2$23.8$0.41
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$693$611$81.9$28.7$27.0$1.72
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$641$566$75.0$27.3$25.4$1.92
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$571$504$66.8$24.7$24.0$0.68
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$579$510$68.9$23.5$22.2$1.25
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$584$517$66.7$22.0$21.2$0.77
2015Detailed filing. Detailed filing data is available for this year.$564$495$68.6$21.8$20.6$1.22
2014Detailed filing. Detailed filing data is available for this year.$561$494$67.0$21.0$20.8$0.21
2013Summary only. Only limited summary data is available for this year.$546$485$61.9$22.2$21.7$0.46
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$543$471$72.6$22.2
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$528$459$69.1$23.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$518$452$66.3$23.7
Peer Organizations

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