Civic Intelligence

Align Credit Union

990 • Fiscal year 2022 • EIN 04-1680140

Jan 01, 2022 to Dec 31, 2022 • Filed on Sep 12, 2023

Organization ProfileWWW.ALIGNCU.ORG

View Organization Page

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

95th percentile

0.95x

Higher debt load relative to assets than 95% of similar nonprofits.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2022

Liabilities / Revenue

92nd percentile

27.35x

Higher debt load relative to revenue than 92% of similar nonprofits.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2022

Net Margin

3rd percentile

1.7%

Higher net margin than 3% of similar nonprofits.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2022

Top Officer Pay

99th percentile

$1,989,581

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 8.1% of source-year revenue.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2022

Asset Growth

1st percentile

-6.0%

Faster asset growth than 1% of similar nonprofits.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Revenue Growth

13th percentile

1.0%

Faster revenue growth than 13% of similar nonprofits.

2022 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets95th percentile

Assets

Down

$703,539,071

Down $44,546,367 (-6.0%) from 2021

Net Assets

Down

$35,337,522

Down $39,294,611 (-53%) from 2021

Liabilities

Down

$668,201,549

Down $5,251,756 (-0.8%) from 2021

Revenue And Expenses
Liabilities / Revenue92nd percentileNet Margin3rd percentile

Revenue

Up

$24,433,942

Up $240,194 (+1.0%) from 2021

Expenses

Up

$24,024,186

Up $240,487 (+1.0%) from 2021

Net Income

Down

$409,756

Down $293 (-0.1%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth1st 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

2022

Assets$703,539,071
Liabilities$668,201,549
Net Assets$35,337,522
Open 2022 Filing

Operations Trend

Revenue Growth13th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$40M$20M$0-$20MExpenses 2010: $23,698,3852010Expenses 2011: $23,261,6192011Expenses 2012: $22,195,6072012Revenue 2013: $22,178,554Expenses 2013: $21,722,886Net Income 2013: $455,6682013Revenue 2014: $20,963,940Expenses 2014: $20,755,084Net Income 2014: $208,8562014Revenue 2015: $21,778,250Expenses 2015: $20,558,327Net Income 2015: $1,219,9232015Revenue 2016: $22,012,738Expenses 2016: $21,244,163Net Income 2016: $768,5752016Revenue 2017: $23,484,066Expenses 2017: $22,234,739Net Income 2017: $1,249,3272017Revenue 2018: $24,664,776Expenses 2018: $23,986,410Net Income 2018: $678,3662018Revenue 2019: $27,329,261Expenses 2019: $25,413,125Net Income 2019: $1,916,1362019Revenue 2020: $28,709,871Expenses 2020: $26,990,515Net Income 2020: $1,719,3562020Revenue 2021: $24,193,748Expenses 2021: $23,783,699Net Income 2021: $410,0492021Revenue 2022: $24,433,942Expenses 2022: $24,024,186Net Income 2022: $409,7562022Revenue 2023: $27,908,271Expenses 2023: $31,391,959Net Income 2023: -$3,483,6882023Revenue 2024: $29,485,904Expenses 2024: $38,156,747Net Income 2024: -$8,670,8432024

Highlighted filing

2022

Revenue$24,433,942
Expenses$24,024,186
Net Income$409,756
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Sep 12, 2023
Return Version
2022v5.0
Gross Receipts
$25,157,430
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$344,772,102$382,568,688▲ $37,796,586
Investments in Publicly Traded Securities$317,132,396$277,485,689▼ $39,646,707
Rtn Earn Endowment Incm Other Fnds$74,632,133$35,337,522▼ $39,294,611
Savings and Temporary Cash Investments$44,265,483$11,422,260▼ $32,843,223
Land, Buildings, and Equipment, Net$9,045,022$8,357,799▼ $687,223
Cash and Non-Interest-Bearing Accounts$18,618,775$7,006,688▼ $11,612,087
Investments Other Securities$2,620,600$2,896,400▲ $275,800
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$748,085,438$703,539,071▼ $44,546,367
Other Assets Total$11,631,060$13,801,547▲ $2,170,487
Liabilities
Other Liabilities$670,812,935$664,070,804▼ $6,742,131
Accounts Payable and Accrued Expenses$866,105$2,348,332▲ $1,482,227
Escrow Account Liability$1,774,265$1,782,413▲ $8,148
Total Liabilities$673,453,305$668,201,549▼ $5,251,756
Net Assets / Fund Balance
Total Net Assets Fund Balance$74,632,133$35,337,522▼ $39,294,611
Total Liabilities and Net Assets / Fund Balance$748,085,438$703,539,071▼ $44,546,367

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,264,683$5,302,244$10,566,927
Equipment$684,127$4,125,775$4,809,902
Land$2,125,000-$2,125,000
Leasehold Improvements$283,989$655,208$939,197
Compensation and Service Providers
Top Officer Pay99th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kenneth M Del RossiPresident and CEOFT$489,042$1,500,539$1,989,581
Thomas HammondCFOFT$275,479$61,121$336,600
Lydia VazquezChief Lending OfficerFT$160,212$46,996$207,208
Joanne MccarthySVP Retail & Chief RetentiFT$160,759$26,335$187,094
Todd CaronCIOFT$143,231$43,383$186,614
Mark PalermoSVP Chief Investment OfficFT$137,259$44,546$181,805
Jennifer HuskaSVP Chief Strategy OfficerFT$139,852$34,171$174,023
Maryann BedardSenior VP Consumer LendingFT$136,051$32,955$169,006
Sandra LamploughSVP OperationsFT$123,095$35,062$158,157

Board Members and Trustees

NameTitle
George R GaganChairman
Richard W Piecewicz2nd Vice-chairman
David R MorrisVice Chairman
Alan J SextonDirector
Joseph ForsterDirector
Kathleen E MckenneyDirector
Martin E ConwayDirector
Steven J BabbittDirector
Karen a MorrisClerk
Frank H LospennatoTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv INCFi Technology75 REMITTANCE DRIVE SUITE 6969, Chicago, IL 60675-6969$1,263,868
Vernco Centre LLCManagement Company70 WASHINGTON STREET SUITE 310, Salem, MA 01970$180,690
Rk FraminghamManagement Company50 CABOT STREET SUITE 200, Needham, MA 02494$168,173
Compass Facility ServicesIt Services65 JACKMAN STREET, Georgetown, MA 01833$157,701
Wipfli LLPAccounting ServicesPO BOX 3160, Milwaukee, WI 53201-3160$140,007
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,524,787
Investment Income
$5,692,843
Other Revenue
$4,216,312
Change in Net Assets
$409,756

Audited Revenue Reconciliation

Revenue per Audited Statements
$24,433,942
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$24,433,942
Total Revenue per Form 990
$24,433,942
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$11,723,687
Other Expenses$9,535,919
Grants and Similar Amounts Paid$99,290
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$6,393,842--$6,393,842
Benefits to Members$2,665,290--$2,665,290
Current Officers, Directors, Trustees, and Key Employees$329,581$2,123,828-$2,453,409
Other Employee Benefits$1,089,065$536,405-$1,625,470
Occupancy-$1,175,221-$1,175,221
Interest$1,010,181--$1,010,181
Office Expenses-$763,999-$763,999
Depreciation Depletion-$760,999-$760,999
Payroll Taxes$447,283$220,304-$667,587
Pension Plan Contributions$390,864$192,515-$583,379
Other Expenses$239,151$215,687-$215,687
All Other Expenses$214,529--$214,529
Grants to Domestic Orgs$99,290--$99,290
Conferences and Meetings$10,506$5,175-$15,681
Fees for Services Legal-$3,641-$3,641
Total Functional Expenses$14,883,126$9,141,060$0$24,024,186

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$24,024,186
Total Expenses per Audited Statements$24,024,186
Total Expenses per Form 990$24,024,186
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
The Lowell PlanLowell, MA-Program Support$22,500
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$11,492
Lowell Management Grouplowell Memorial AuditoriumLowell, MA501(c)(3)Local Community Event$10,000
Greater Lowell YmcaLowell, MA501(c)(3)Program Support$7,500
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$598,927,679
Borrowings$62,000,000
Other Liabilities$3,143,125
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
2023-09-12
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
174
Volunteers
0

Preparer

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

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The oversight and selection process has not changed from the prior tax year.”

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 749 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
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10149232
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1153121
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1221077
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1343644
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1429220
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1531248
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1640386
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1729537
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1841498
IRS990/Form990PartVIISectionAGrp/PersonNm0GEORGE R GAGAN
IRS990/Form990PartVIISectionAGrp/PersonNm1KAREN A MORRIS
IRS990/Form990PartVIISectionAGrp/PersonNm2STEVEN J BABBITT
IRS990/Form990PartVIISectionAGrp/PersonNm3FRANK H LOSPENNATO
IRS990/Form990PartVIISectionAGrp/PersonNm4DAVID R MORRIS
IRS990/Form990PartVIISectionAGrp/PersonNm5RICHARD W PIECEWICZ
IRS990/Form990PartVIISectionAGrp/PersonNm6ALAN J SEXTON
IRS990/Form990PartVIISectionAGrp/PersonNm7MARTIN E CONWAY
IRS990/Form990PartVIISectionAGrp/PersonNm8JOSEPH FORSTER
IRS990/Form990PartVIISectionAGrp/PersonNm9KATHLEEN E MCKENNEY
IRS990/Form990PartVIISectionAGrp/PersonNm10KENNETH M DEL ROSSI
IRS990/Form990PartVIISectionAGrp/PersonNm11THOMAS HAMMOND
IRS990/Form990PartVIISectionAGrp/PersonNm12JOANNE MCCARTHY
IRS990/Form990PartVIISectionAGrp/PersonNm13LYDIA VAZQUEZ
IRS990/Form990PartVIISectionAGrp/PersonNm14MARYANN BEDARD
IRS990/Form990PartVIISectionAGrp/PersonNm15JENNIFER HUSKA
IRS990/Form990PartVIISectionAGrp/PersonNm16TODD CARON
IRS990/Form990PartVIISectionAGrp/PersonNm17SANDRA LAMPLOUGH
IRS990/Form990PartVIISectionAGrp/PersonNm18MARK PALERMO
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
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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/ReportableCompFromOrgAmt101840349
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11283479
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12166017
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13163564
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14139786
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15142775
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16146228
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17128620
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18140307
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/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1CLERK
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt52ND VICE-CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT AND CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP RETAIL & CHIEF RETENTI
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14SENIOR VP CONSUMER LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP CHIEF STRATEGY OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt18SVP CHIEF INVESTMENT OFFIC
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01922
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0-141617
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt099290
IRS990/GrantsToDomesticOrgsGrp/TotalAmt099290
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0581871
IRS990/GrossReceiptsAmt025157430
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt09
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InterestGrp/ProgramServicesAmt01010181
IRS990/InterestGrp/TotalAmt01010181
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt05834460
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt05834460
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt02620600
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt02896400
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0317132396
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0277485689
IRS990/IRPDocumentCnt013845
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt010083227
IRS990/LandBldgEquipBasisNetGrp/BOYAmt09045022
IRS990/LandBldgEquipBasisNetGrp/EOYAmt08357799
IRS990/LandBldgEquipCostOrOtherBssAmt018441026
IRS990/LegalDomicileStateCd0MA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0723488
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt061616
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt061616
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/NetAssetsOrFundBalancesBOYAmt074632133
IRS990/NetAssetsOrFundBalancesEOYAmt035337522
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-141617
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-141617
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-39704367
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt01175221
IRS990/OccupancyGrp/TotalAmt01175221
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0763999
IRS990/OfficeExpensesGrp/TotalAmt0763999
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt011631060
IRS990/OtherAssetsTotalGrp/EOYAmt013801547
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0536405
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt01089065
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01625470
IRS990/OtherExpensesGrp/Desc0OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc1SERVICE CONTRACT
IRS990/OtherExpensesGrp/Desc2ALL OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc3ADVERTISING/MARKETING
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt03143286
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1215687
IRS990/OtherExpensesGrp/ProgramServicesAmt01993544
IRS990/OtherExpensesGrp/ProgramServicesAmt1239151
IRS990/OtherExpensesGrp/TotalAmt03143286
IRS990/OtherExpensesGrp/TotalAmt11993544
IRS990/OtherExpensesGrp/TotalAmt2239151
IRS990/OtherExpensesGrp/TotalAmt3215687
IRS990/OtherLiabilitiesGrp/BOYAmt0670812935
IRS990/OtherLiabilitiesGrp/EOYAmt0664070804
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER REVENUE
IRS990/OtherRevenueMiscGrp/Desc1ATM INTERCHANGE INC
IRS990/OtherRevenueMiscGrp/Desc2CREDIT CARD INTERCHANGE
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02246559
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt11298801
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2609336
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02246559
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11298801
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2609336
IRS990/OtherRevenueTotalAmt04216312
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt06393842
IRS990/OtherSalariesAndWagesGrp/TotalAmt06393842
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0344772102
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0382568688
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0220304
IRS990/PayrollTaxesGrp/ProgramServicesAmt0447283
IRS990/PayrollTaxesGrp/TotalAmt0667587
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0192515
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0390864
IRS990/PensionPlanContributionsGrp/TotalAmt0583379
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0KENNETH M DEL ROSSI
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt014524787
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt014524787
IRS990/ProgSrvcAccomActy2Grp/Desc0GRANTING CREDIT TO MEMBERS WITH VARIOUS LOAN PRODUCTS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt012004042
IRS990/ProgSrvcAccomActy3Grp/Desc0MEMBER SERVICES INCLUDING DEBIT AND CREDIT CARDS.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0213794
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt02997465
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt0210933
IRS990/PYInvestmentIncomeAmt04975937
IRS990/PYOtherExpensesAmt08911940
IRS990/PYOtherRevenueAmt04554502
IRS990/PYProgramServiceRevenueAmt014663309
IRS990/PYRevenuesLessExpensesAmt0410049
IRS990/PYSalariesCompEmpBnftPaidAmt011663361
IRS990/PYTotalExpensesAmt023783699
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt024193748
IRS990/ReconcilationRevenueExpnssAmt0409756
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt074632133
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt035337522
IRS990/SavingsAndTempCashInvstGrp/BOYAmt044265483
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011422260
IRS990/ScheduleBRequiredInd00

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$703,539,071
Liabilities
$668,201,549
Net assets
$35,337,522
Revenue
$24,433,942
Expenses
$24,024,186
Net income
$409,756
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
2022Detailed filing. Detailed filing data is available for this year.$704$668$35.3$24.4$24.0$0.41
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$748$673$74.6$24.2$23.8$0.41
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$693$611$81.9$28.7$27.0$1.72
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$641$566$75.0$27.3$25.4$1.92
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$571$504$66.8$24.7$24.0$0.68
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$579$510$68.9$23.5$22.2$1.25
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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