Civic Intelligence

Metro Credit Union

990 • Fiscal year 2015 • EIN 04-1695745

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 15, 2016

Organization Profilewww.metrocu.org

View Organization Page

200 Revere Beach ParkwayChelsea, MA 02150

(877) 696-3876

Siviq Scores

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

Liabilities / Assets

81st percentile

0.91x

Higher debt load relative to assets than 81% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Liabilities / Revenue

77th percentile

23.07x

Higher debt load relative to revenue than 77% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Net Margin

8th percentile

8.3%

Higher net margin than 8% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Top Officer Pay

52nd percentile

$875,412

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Asset Growth

60th percentile

9.4%

Faster asset growth than 60% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Revenue Growth

23rd percentile

3.6%

Faster revenue growth than 23% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets81st percentile

Assets

Up

$1,492,356,111

Up $127,816,589 (+9.4%) from 2014

Net Assets

Up

$135,094,952

Up $5,798,157 (+4.5%) from 2014

Liabilities

Up

$1,357,261,159

Up $122,018,432 (+9.9%) from 2014

Revenue And Expenses
Liabilities / Revenue77th percentileNet Margin8th percentile

Revenue

Up

$58,839,454

Up $2,023,934 (+3.6%) from 2014

Expenses

Up

$53,946,122

Up $1,567,830 (+3.0%) from 2014

Net Income

Up

$4,893,332

Up $456,104 (+10%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth60th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$4.0B$3.0B$2.0B$1.0B$0Assets 2010: $784,948,389Liabilities 2010: $693,294,052Net Assets 2010: $91,654,3372010Assets 2011: $957,971,443Liabilities 2011: $854,147,041Net Assets 2011: $103,824,4022011Assets 2012: $1,126,560,711Liabilities 2012: $1,008,329,870Net Assets 2012: $118,230,8412012Assets 2013: $1,279,777,202Liabilities 2013: $1,155,422,753Net Assets 2013: $124,354,4492013Assets 2014: $1,364,539,522Liabilities 2014: $1,235,242,727Net Assets 2014: $129,296,7952014Assets 2015: $1,492,356,111Liabilities 2015: $1,357,261,159Net Assets 2015: $135,094,9522015Assets 2016: $1,633,755,224Liabilities 2016: $1,490,390,948Net Assets 2016: $143,364,2762016Assets 2017: $1,682,401,982Liabilities 2017: $1,524,456,756Net Assets 2017: $157,945,2262017Assets 2018: $1,877,534,257Liabilities 2018: $1,705,631,766Net Assets 2018: $171,902,4912018Assets 2019: $2,092,358,761Liabilities 2019: $1,904,142,090Net Assets 2019: $188,216,6712019Assets 2020: $2,385,374,276Liabilities 2020: $2,180,567,969Net Assets 2020: $204,806,3072020Assets 2021: $2,510,941,078Liabilities 2021: $2,291,755,740Net Assets 2021: $219,185,3382021Assets 2022: $3,156,507,565Liabilities 2022: $2,917,840,908Net Assets 2022: $238,666,6572022Assets 2023: $3,414,191,630Liabilities 2023: $3,157,759,150Net Assets 2023: $256,432,4802023Assets 2024: $3,440,032,348Liabilities 2024: $3,164,194,252Net Assets 2024: $275,838,0962024

Highlighted filing

2015

Assets$1,492,356,111
Liabilities$1,357,261,159
Net Assets$135,094,952
Open 2015 Filing

Operations Trend

Revenue Growth23rd percentile

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

$200M$150M$100M$50M$0Expenses 2010: $40,392,9832010Expenses 2011: $40,721,8272011Revenue 2012: $57,522,772Expenses 2012: $47,121,551Net Income 2012: $10,401,2212012Revenue 2013: $58,316,336Expenses 2013: $53,135,453Net Income 2013: $5,180,8832013Revenue 2014: $56,815,520Expenses 2014: $52,378,292Net Income 2014: $4,437,2282014Revenue 2015: $58,839,454Expenses 2015: $53,946,122Net Income 2015: $4,893,3322015Revenue 2016: $64,430,195Expenses 2016: $56,107,971Net Income 2016: $8,322,2242016Revenue 2017: $71,469,349Expenses 2017: $56,395,350Net Income 2017: $15,073,9992017Revenue 2018: $79,251,770Expenses 2018: $64,685,998Net Income 2018: $14,565,7722018Revenue 2019: $89,211,246Expenses 2019: $75,756,292Net Income 2019: $13,454,9542019Revenue 2020: $101,297,996Expenses 2020: $85,388,608Net Income 2020: $15,909,3882020Revenue 2021: $92,937,477Expenses 2021: $78,093,785Net Income 2021: $14,843,6922021Revenue 2022: $114,336,853Expenses 2022: $83,937,696Net Income 2022: $30,399,1572022Revenue 2023: $149,461,871Expenses 2023: $134,522,388Net Income 2023: $14,939,4832023Revenue 2024: $173,359,884Expenses 2024: $166,107,473Net Income 2024: $7,252,4112024

Highlighted filing

2015

Revenue$58,839,454
Expenses$53,946,122
Net Income$4,893,332
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 15, 2016
Return Version
2015v2.1
Gross Receipts
$201,326,570
Mission and Program Overview

Mission

Metro Credit Union provides loan and deposit products to members that assist them in meeting their financial needs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,145,608,101$1,215,531,592▲ $69,923,491
Rtn Earn Endowment Incm Other Fnds$129,296,795$135,094,952▲ $5,798,157
Investments in Publicly Traded Securities$81,822,000$114,277,479▲ $32,455,479
Savings and Temporary Cash Investments$35,023,847$47,885,952▲ $12,862,105
Land, Buildings, and Equipment, Net$39,380,823$41,472,686▲ $2,091,863
Investments Other Securities$22,172,661$32,856,564▲ $10,683,903
Cash and Non-Interest-Bearing Accounts$10,534,337$9,110,920▼ $1,423,417
Intangible Assets$3,486,377$3,404,228▼ $82,149
Prepaid Expenses and Deferred Charges$1,734,690$1,947,538▲ $212,848
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$1,364,539,522$1,492,356,111▲ $127,816,589
Other Assets Total$24,776,686$25,869,152▲ $1,092,466
Liabilities
Other Liabilities$1,045,347,188$1,149,309,012▲ $103,961,824
Mortgage Notes Payable Secured by Investment Property$171,419,726$187,751,035▲ $16,331,309
Accounts Payable and Accrued Expenses$15,166,360$16,732,978▲ $1,566,618
Escrow Account Liability$3,309,453$3,468,134▲ $158,681
Grants Payable$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$1,235,242,727$1,357,261,159▲ $122,018,432
Net Assets / Fund Balance
Total Net Assets Fund Balance$129,296,795$135,094,952▲ $5,798,157
Total Liabilities and Net Assets / Fund Balance$1,364,539,522$1,492,356,111▲ $127,816,589

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$22,103,050$6,651,395$28,754,445
Other Land Buildings$5,864,295$13,920,264$19,784,559
Land$11,575,702-$11,575,702
Leasehold Improvements$1,929,639$749,744$2,679,383
Equipment--$0
Compensation and Service Providers
Top Officer Pay52nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert M CashmanPresident & CEOFT$586,751$288,661$875,412
Thomas NadeauChief Operating OfficerFT$329,159$112,778$441,937
Eileen DanaheySVP/CFOFT$241,897$111,267$353,164
Marvin L CashmanEVP, Director-$199,028$53,206$252,234
Arthur McCueSr Mortgage OriginatorFT$24,182$205,197$229,379
Michael McGovernSVP Chief Technology OfficerFT$196,983$29,416$226,399
Tedi TiJianMortgage OriginatorFT$25,465$198,420$223,885
Thomas WahlSVP TechnologyFT$183,516$39,732$223,248
Jay DunhamSVP Special ProjectsFT$177,160$39,956$217,116
Keith PequenoSVP Chief Marketing OfficerFT$175,519$35,538$211,057
Charlene BauerSVP Bus Development/COM RelFT$162,497$37,728$200,225
Dawn DawsonVP Mortgage Oper & 2nd mkt mgrFT$162,271$34,774$197,045
Paul SwartSVP retail servicesFT$163,118$29,634$192,752
Thomas DonohueVP Commercial Service MgrFT$162,787$24,258$187,045
Gregory SpencerSVP Business IntelligenceFT$149,728$32,792$182,520
Mary HelmingVP Commercial Relationship mgrFT$129,015$42,207$171,222
Elizabeth MulveySVP Human ResourceFT$129,553$15,071$144,624
Michael JordanVP Branch AdministratorFT$115,818$20,649$136,467
Michel TraciVP Proj Mgmt & Pro ImpFT$121,900$13,830$135,730

Board Members and Trustees

NameTitle
Mark SmollerChairman of the Board
John ImbergamoVice Chairman
A Richard SilvaDirector
Arnold S BaerDirector
David HolzmanDirector
Donna A LeeDirector
James HerndonDirector
Joseph ZangDirector
Paul GulkoDirector
Robert M CashmanDirector
Arthur CohanDirector/clerk
Peter HarrisTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
NESGroupConstruction Service905 South Main St building b suit, Mansfield, MA 02048$3,169,554
FiservIT services255 Fiserv Drive, Brookfield, WI 53045$1,874,170
Financial Services IncStatement Printing21 Harristown Road, Glen Rock, NJ 07452$1,112,184
Public Service Credit UnionCredit card services7055 E Evans Ave, Denver, CO 80224$1,047,734
Visa Achdebit/atm processingNeed address, Los Angeles, CA 90051-6606$860,936
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$51,512,104
Investment Income
$5,914,848
Other Revenue
$1,412,502
Change in Net Assets
$4,893,332

Audited Revenue Reconciliation

Revenue per Audited Statements
$58,839,454
Total Revenue per Audited Statements
$58,839,454
Total Revenue per Form 990
$58,839,454
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$31,432,078
Salaries, Compensation, and Employee Benefits$22,514,044
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$13,731,938
Interest---$6,870,683
Occupancy---$5,237,353
Information Technology---$3,762,524
Current Officers, Directors, Trustees, and Key Employees---$3,385,860
Office Expenses---$3,116,396
Other Employee Benefits---$2,479,909
Depreciation Depletion---$2,256,314
All Other Expenses---$1,992,309
Pension Plan Contributions---$1,466,103
Payroll Taxes---$1,450,234
Advertising---$1,401,712
Fees for Services Accounting---$399,278
Fees for Services Legal---$291,907
Fees for Services Other---$213,116
Insurance---$199,463
Other Expenses---$196,532
Conferences and Meetings---$188,302
Travel---$139,305
Total Functional Expenses$0$0$0$53,946,122

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$53,946,122
Total Expenses per Audited Statements$53,946,122
Total Expenses per Form 990$53,946,122
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Suburban Services Eric CohenFamily member of directorCleaning ServicesNo$258,968
WinbrookDavid Holtzman DirectorOffice SuppliesNo$179,246
Smoller Insurance AgencyMark Smoller DirectorInsurance agentNo$138,553

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deposits$1,149,309,012
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
Yes
Business relationship with organization members
Yes
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

PART VI, SECTION B, LINE 12C - Conflict of Interest Policy

“On an annual basis, or if a change occurs during the year, senior management and the Board of Directors are required to sign an acknowledgment form and disclosure statement and return it to the CEO or Chairman of the Board.”

PART VI, SECTION B, LINE 15B - Compensation

“The process includes review of recommendations provided by an outside Compensation Consultant, use of industry specific data containing comparable compensation,review of available survey data published by human resource organizations, review and approval by the Personnel Committee and the Board of Directors, and contemporaneous documentation and record keeping.”

PART VI, SECTION B, LINE 11 - Form 990 Review

“All financial data reported reconciles to the year end financial statements presented to the Board of Directors. The return is reviewed by the CFO and then reviewed by the board prior to transmitting.”

Part VI, Section A, Line 2 - Related Officers

“Marvin L. Cashman, The Executive Vice President is the Father of Robert M. Cashman the Chief Executive Officer. Mark Smoller, Board Director, is related to Marvin L. Cashman, EVP and Robert Cashman, CEO”

PART VI, SECTION A, LINES 6 & 7 - Members

“The Metro Credit Union is a members only credit union. Membership is open to anyone who lives, works or has a place of business in Essex, Middlesex, Suffolk, Norfolk, Plymouth, Barnstable or Worcester counties. Annually the members vote for the board of directors that act on behalf of members as the governing body of the Credit Union.”

PART VI, SECTION C, LINE 19 - Availability of governing documents

“All documents related to the organization of the Metro Credit Union and all 990 filings are available upon request by any person or organization that request the information.”

Filing and Contact Details

Filer

Filer Name
Metro Credit Union
EIN
04-1695745
In Care Of
% ERIK M PORTER
Phone
8776963876
Address
200 Revere Beach Parkway, Chelsea, MA 02150

Signing Officer

Name
Erik M Porter
Title
CFO
Phone
6174885509
Signed
2016-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert M Cashman
Formed
1926
Legal Domicile
Ma
Voting Board Members
13
Independent Board Members
8
Employees
366
Volunteers
11

Preparer

Firm
Wolf & Company Pc
Address
99 HIGH STREET 21ST FLOOR, BOSTON, MA 02110
Preparer
Michael J Rowe CPA
Phone
6174399700
Supplemental Narrative

Additional Explanations

PART XI, LINE 9 - Other changes in net assets

“Net Assets Acquired 1,477,903 FAS 158 Net Pension Adjustment 638,867 ----------- Total 2,116,770 ===========”

Financial Statement Notes

Schedule D, Part IV, Line 2B - Escrow and Custodial Arrangements

“The Credit Union holds funds in escrow to pay insurance and taxes for its members in connection to real estate loans.”

Schedule D, Part X, Line 2 - Uncertain Tax Positions

“The Credit Union is a not-for-profit corporation as described in Section 501(c)(14) of the Internal Revenue Code (the "Code") and is generally exempt from federal income taxes pursuant to Section 501(a) of the Code. However, state-chartered credit unions are subject to federal and state taxes on unrelated business income. For the years ended December 31, 2015 and 2014, taxes on unrelated business income amounted to a refund of $43,000 and expense of $8,000, respectively, and are included in other general and administrative expenses in the statements of net income. The Credit Union has evaluated its tax positions as of December 31, 2015 and 2014 and concluded that there are no uncertain tax positions that require adjustment to the financial statements to comply with the provisions of this guidance. The Credit Union files Form 990 in the U.S. federal jurisdiction and the state of Massachusetts. The Credit Union is no longer subject to examination by the Internal Revenue Service for years before 2013.”

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IRS990/Form990PartVIISectionAGrp/PersonNm24Michael Jordan
IRS990/Form990PartVIISectionAGrp/PersonNm25Elizabeth Mulvey
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IRS990/Form990PartVIISectionAGrp/TitleTxt16VP Proj Mgmt & Pro Imp
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IRS990/Form990PartVIISectionAGrp/TitleTxt27VP Commercial Service Mgr
IRS990/Form990PartVIISectionAGrp/TitleTxt28VP Commercial Relationship mgr
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Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,492,356,111
Liabilities
$1,357,261,159
Net assets
$135,094,952
Revenue
$58,839,454
Expenses
$53,946,122
Net income
$4,893,332
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3,440$3,164$276$173$166$7.25
2023Detailed filing. Detailed filing data is available for this year.$3,414$3,158$256$149$135$14.9
2022Detailed filing. Detailed filing data is available for this year.$3,157$2,918$239$114$83.9$30.4
2021Detailed filing. Detailed filing data is available for this year.$2,511$2,292$219$92.9$78.1$14.8
2020Detailed filing. Detailed filing data is available for this year.$2,385$2,181$205$101$85.4$15.9
2019Detailed filing. Detailed filing data is available for this year.$2,092$1,904$188$89.2$75.8$13.5
2018Detailed filing. Detailed filing data is available for this year.$1,878$1,706$172$79.3$64.7$14.6
2017Detailed filing. Detailed filing data is available for this year.$1,682$1,524$158$71.5$56.4$15.1
2016Detailed filing. Detailed filing data is available for this year.$1,634$1,490$143$64.4$56.1$8.32
2015Detailed filing. Detailed filing data is available for this year.$1,492$1,357$135$58.8$53.9$4.89
2014Detailed filing. Detailed filing data is available for this year.$1,365$1,235$129$56.8$52.4$4.44
2013Detailed filing. Detailed filing data is available for this year.$1,280$1,155$124$58.3$53.1$5.18
2012Summary only. Only limited summary data is available for this year.$1,127$1,008$118$57.5$47.1$10.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$958$854$104$40.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$785$693$91.7$40.4