Civic Intelligence

Metro Credit Union

990 • Fiscal year 2017 • EIN 04-1695745

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 13, 2018

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

76th percentile

0.91x

Higher debt load relative to assets than 76% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Liabilities / Revenue

71st percentile

21.33x

Higher debt load relative to revenue than 71% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Net Margin

65th percentile

21%

Higher net margin than 65% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Top Officer Pay

60th percentile

$953,180

Higher top officer pay than 60% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Asset Growth

13th percentile

3.0%

Faster asset growth than 13% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2016 to 2017

Revenue Growth

55th percentile

11%

Faster revenue growth than 55% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$1,682,401,982

Up $48,646,758 (+3.0%) from 2016

Net Assets

Up

$157,945,226

Up $14,580,950 (+10%) from 2016

Liabilities

Up

$1,524,456,756

Up $34,065,808 (+2.3%) from 2016

Revenue And Expenses
Liabilities / Revenue71st percentileNet Margin65th percentile

Revenue

Up

$71,469,349

Up $7,039,154 (+11%) from 2016

Expenses

Up

$56,395,350

Up $287,379 (+0.5%) from 2016

Net Income

Up

$15,073,999

Up $6,751,775 (+81%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth13th 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

2017

Assets$1,682,401,982
Liabilities$1,524,456,756
Net Assets$157,945,226
Open 2017 Filing

Operations Trend

Revenue Growth55th 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

2017

Revenue$71,469,349
Expenses$56,395,350
Net Income$15,073,999
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 13, 2018
Return Version
2017v2.3
Gross Receipts
$85,892,865
Mission and Program Overview

Mission

See disclosure in schedule o

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,401,174,365$1,422,886,120▲ $21,711,755
Rtn Earn Endowment Incm Other Fnds$143,364,276$157,945,226▲ $14,580,950
Investments in Publicly Traded Securities$107,664,152$119,247,693▲ $11,583,541
Savings and Temporary Cash Investments$9,839,244$40,198,521▲ $30,359,277
Land, Buildings, and Equipment, Net$39,928,400$37,458,222▼ $2,470,178
Investments Other Securities$32,603,492$16,451,589▼ $16,151,903
Cash and Non-Interest-Bearing Accounts$8,722,115$9,512,993▲ $790,878
Intangible Assets$3,344,232$3,306,388▼ $37,844
Prepaid Expenses and Deferred Charges$2,346,731$2,299,288▼ $47,443
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,633,755,224$1,682,401,982▲ $48,646,758
Other Assets Total$28,132,493$31,041,168▲ $2,908,675
Liabilities
Other Liabilities$1,268,187,372$1,328,137,100▲ $59,949,728
Mortgage Notes Payable Secured by Investment Property$193,733,640$165,151,049▼ $28,582,591
Accounts Payable and Accrued Expenses$24,264,222$26,900,317▲ $2,636,095
Escrow Account Liability$4,205,714$4,268,290▲ $62,576
Total Liabilities$1,490,390,948$1,524,456,756▲ $34,065,808
Net Assets / Fund Balance
Total Net Assets Fund Balance$143,364,276$157,945,226▲ $14,580,950
Total Liabilities and Net Assets / Fund Balance$1,633,755,224$1,682,401,982▲ $48,646,758

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$20,717,199$9,147,107$29,864,306
Other Land Buildings$3,636,112$17,316,673$20,952,785
Land$11,575,702-$11,575,702
Leasehold Improvements$1,529,209$1,158,999$2,688,208
Compensation and Service Providers
Top Officer Pay60th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert M CashmanPresident & CEOFT$638,271$314,909$953,180
Thomas NadeauChief Operating OfficerFT$360,933$121,699$482,632
Marvin L CashmanEvp/directorFT$199,656$54,794$254,450
Lucas RossMortgage Client Services SpecialistFT$31,327$215,523$246,850
Michael McgovernSVP Chief Technology OfficerFT$209,499$31,120$240,619
Erik PorterSVP, CFOFT$202,033$35,370$237,403
Mary HelmingVP Commercial Relationship ManagerFT$138,051$95,654$233,705
Jay DunhamSVP Special Projects & FacilitiesFT$189,701$39,492$229,193
Wahl ThomasSVP Solutions Management ManagerFT$183,116$40,373$223,489
Dawn DawsonVP Mortgage Oper & 2nd MktFT$178,679$44,142$222,821
Charlene BauerSVP Chief Marketing OfficerFT$179,270$39,100$218,370
Donohue ThomasVP Commerical Services ManagerFT$180,840$27,004$207,844
Paul SwartSVP Retail ServicesFT$174,450$27,100$201,550
Gregory SpencerSVP Business IntelligenceFT$159,412$37,310$196,722
Elizabeth MulveySVP Human ResourcesFT$159,051$34,511$193,562
Traci MichelSVP OperationsFT$148,750$38,182$186,932

Board Members and Trustees

NameTitle
Mark SmollerChairman of the Board
John ImbergamoVice Chairman
Arnold BaerDirector
David HoltzmanDirector
Donna LeeDirector
James HerndonDirector
Joseph ZangDirector
Paul GulkoDirector
Arthur CohanDirector/clerk
Peter HarrisDirector/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservIt Services255 FISERV DRIVE, Brookfield, WI 53045$1,750,371
PscuCredit Card Services560 CARILLON PARKWAY, St Petersburg, FL 33716$1,336,042
Visa AchDebit/atm ProcessingPO BOX 742233, Los Angeles, CA 90074$1,111,355
InfoimageStatement Printing141 JEFFERSON DRIVE, Menlo Park, CA 94025$1,016,315
VerizonCommunication Services1095 AVENUE OF THE AMERICAS, New York, NY 10013$732,921
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$64,297,484
Investment Income
$6,174,093
Other Revenue
$997,772
Change in Net Assets
$15,073,999

Audited Revenue Reconciliation

Revenue per Audited Statements
$71,469,349
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$71,469,349
Total Revenue per Form 990
$71,469,349
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$33,706,703
Salaries, Compensation, and Employee Benefits$22,688,647
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$14,113,602
Interest---$9,605,187
Occupancy---$5,298,259
Information Technology---$4,135,010
Current Officers, Directors, Trustees, and Key Employees---$3,054,785
Office Expenses---$2,828,369
Other Employee Benefits---$2,466,741
Depreciation Depletion---$1,637,699
Pension Plan Contributions---$1,609,268
Payroll Taxes---$1,444,251
Advertising---$1,443,117
All Other Expenses---$706,511
Insurance---$442,427
Fees for Services Accounting---$427,055
Other Expenses---$341,852
Fees for Services Legal---$333,117
Fees for Services Other---$278,528
Conferences and Meetings---$218,462
Travel---$128,999
Total Functional Expenses$0$0$0$56,395,350

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$56,395,350
Total Expenses per Audited Statements$56,395,350
Total Expenses per Form 990$56,395,350
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
-Family Member of DirectorCleaning ServicesNo$264,500
-David Holtzman DirectorOffice SuppliesNo$220,100
-Mark Smoller DirectorInsurance AgentNo$188,223
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deposits$1,328,137,100
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

Form 990, Part VI, Section A, Line 2

“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”

Form 990, Part VI, Section A, Line 6

“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.”

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

“See disclosure for line 6”

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

“See disclosure for line 6”

Form 990, Part VI, Section B, Line 11B

“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.”

Form 990, Part VI, Section B, Line 12C

“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.”

Form 990, Part VI, Section B, Line 15

“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.”

Form 990, Part VI, Section C, Line 19

“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
Phone
8776963876
Address
200 REVERE BEACH PARKWAY, CHELSEA, MA 02150

Signing Officer

Name
Erik M Porter
Title
CFO
Phone
8776963876
Signed
2018-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert M Cashman
Formed
1926
Legal Domicile
Ma
Voting Board Members
12
Independent Board Members
10
Employees
363
Volunteers
11

Preparer

Firm
Wolf & Company Pc
Address
99 HIGH STREET 21ST FLOOR, BOSTON, MA 02110
Preparer
Harry a Kalajian Jr CPA
Phone
6174399700
Supplemental Narrative

Additional Explanations

FORM 990, PART I, LINE 1 - BRIEFLY DESCRIBE THE ORGANIZATION'S MISSION

“Metro credit union provides loan and deposit products to members that assist them in meeting their financial needs.”

FORM 990, PART III, LINE 1 - ORGANIZATION'S MISSION STATEMENT

“For over 90 years, metro credit union has been providing financial services to communities throughout massachusetts. As one of the largest credit unions in the state, metro has $1.6 billion in assets, more than 180,000 members, and is able to serve anyone in essex, middlesex, suffolk, norfolk, plymouth, barnstable or worcester counties. As a full-service credit union, metro offers all of the financial products and delivery innovations that you'd expect from a large financial institution. Founded in 1926 and headquartered in chelsea, massachusetts, metro credit union is a cooperative financial institution, owned by and operated for the people who use and benefit from our products and services. We're different from banks because we are a non-profit cooperative that is dedicated to the financial success of our members; and not focused on paying dividends to stockholders or maximizing profits for shareholders. The money we bring in is reinvested in you, our members, through better rates and lower fees. The philosophy of metro credit union is "people helping people." each member is an equal owner, regardless of how much money is deposited with the credit union. We are committed to financial education. Whether its simple tips to help you better manage your finances or seminars and programs designed to help you navigate more complicated financial situations, we want to ensure that you have the right advice, guidance and resources to make smart financial decisions. As a credit union, we provide products and services that are affordable and flexible. We partner with affordable housing organizations across the state to ensure that every prospective homebuyer has access to as many resources as possible to realize their dream of homeownership. We have genuine member focus. All of our guidance and services are delivered through engaged employees. They listen to members first; understand their specific situation; and provide the solutions that best fit the needs of the individual or business.”

FORM 990, PART XI, LINE 9:

“Fas 158 net pension adjustment -11,597.”

2C

“There was no change in the oversight process or selection process of metro credit union during the tax year 2017.”

Financial Statement Notes

PART IV, LINE 2B:

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

PART X, LINE 2:

“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 year ended december 31, 2017. There was no unrelated business income tax. For the year ended december 31, 2016, the credit union recognized a $5,000 refund on unrelated business income, which is included in other general and administrative expenses in the statements of net income. For the year ended december 31, 2016 there was no unrelated business income tax. The credit union has evaluated its tax positions as of december 31, 2017 and 2016 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 fo years before 2014.”

Raw XML AppendixShowing 400 of 874 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/Desc0METRO CREDIT UNION PROVIDES LOAN AND DEPOSIT PRODUCTS TO MEMBERSTHAT ASSIST THEM IN MEETING THEIR FINANCIAL NEEDS. AS OF12/31/2017, METRO CREDIT UNION HAS NET LOANS OF $1,423 MILLION ANDSHARE DEPOSITS OF $1,328 MILLION.
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IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10EVP/DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP SPECIAL PROJECTS & FACILITIES
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP CHIEF TECHNOLOGY OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP HUMAN RESOURCES
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IRS990/Form990PartVIISectionAGrp/TitleTxt18SVP, CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt19SVP BUSINESS INTELLIGENCE
IRS990/Form990PartVIISectionAGrp/TitleTxt20SVP RETAIL SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt21MORTGAGE CLIENT SERVICES SPECIALIST
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IRS990/Form990PartVIISectionAGrp/TitleTxt23VP MORTGAGE OPER & 2ND MKT
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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,682,401,982
Liabilities
$1,524,456,756
Net assets
$157,945,226
Revenue
$71,469,349
Expenses
$56,395,350
Net income
$15,073,999
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