Civic Intelligence

St Anne Credit Union

EIN 04-1801000 • 501(c)14 • New Bedford, MA

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Profile

CREDIT UNION

93 Union StNew Bedford, MA 02740

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

86th percentile

0.91x

Higher debt load relative to assets than 86% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2018

Liabilities / Revenue

73rd percentile

22.78x

Higher debt load relative to revenue than 73% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2018

Net Margin

10th percentile

-20%

Higher net margin than 10% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2018

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

52nd percentile

0.1%

Faster asset growth than 52% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Revenue Growth

20th percentile

-2.2%

Faster revenue growth than 20% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$15,751,234

Up $8,481 (+0.1%) from 2017

Liabilities

Up

$14,370,749

Up $82,407 (+0.6%) from 2017

Net Assets

Down

$1,380,485

Down $73,926 (-5.1%) from 2017

Operations
Liabilities / Revenue73rd percentileNet Margin10th percentile

Revenue

Down

$630,868

Down $14,169 (-2.2%) from 2017

Expenses

Down

$758,875

Down $36,238 (-4.6%) from 2017

Net Income

Up

-$128,007

Up $22,069 (+15%) from 2017

Trend Graphs

Balance Sheet Trend

Asset Growth52nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$20M$15M$10M$5.0M$0Assets 2010: $17,215,702Liabilities 2010: $15,347,851Net Assets 2010: $1,867,8512010Assets 2011: $16,564,491Liabilities 2011: $14,731,866Net Assets 2011: $1,832,6252011Assets 2012: $17,112,143Liabilities 2012: $15,267,123Net Assets 2012: $1,845,0202012Assets 2013: $16,043,103Liabilities 2013: $14,238,452Net Assets 2013: $1,804,6512013Assets 2014: $16,436,736Liabilities 2014: $14,736,354Net Assets 2014: $1,700,3822014Assets 2015: $17,373,297Liabilities 2015: $15,715,786Net Assets 2015: $1,657,5112015Assets 2016: $16,759,929Liabilities 2016: $15,166,055Net Assets 2016: $1,593,8742016Assets 2017: $15,742,753Liabilities 2017: $14,288,342Net Assets 2017: $1,454,4112017Assets 2018: $15,751,234Liabilities 2018: $14,370,749Net Assets 2018: $1,380,4852018

Highlighted filing

2018

Assets$15,751,234
Liabilities$14,370,749
Net Assets$1,380,485
Open 2018 Filing

Operations Trend

Revenue Growth20th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.0M$500K$0-$500KExpenses 2010: $921,5482010Expenses 2011: $804,8702011Expenses 2012: $664,2322012Revenue 2013: $609,347Expenses 2013: $649,716Net Income 2013: -$40,3692013Revenue 2014: $554,098Expenses 2014: $657,602Net Income 2014: -$103,5042014Revenue 2015: $602,180Expenses 2015: $619,876Net Income 2015: -$17,6962015Revenue 2016: $620,541Expenses 2016: $646,124Net Income 2016: -$25,5832016Revenue 2017: $645,037Expenses 2017: $795,113Net Income 2017: -$150,0762017Revenue 2018: $630,868Expenses 2018: $758,875Net Income 2018: -$128,0072018

Highlighted filing

2018

Revenue$630,868
Expenses$758,875
Net Income-$128,007
Open 2018 Filing

Filings

Most recent year

2018 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$15,751,234
Liabilities
$14,370,749
Net assets
$1,380,485
Revenue
$630,868
Expenses
$758,875
Net income
-$128,007
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Summary only. Only limited summary data is available for this year.$15.8$14.4$1.38$0.63$0.76$0.13
2017Summary only. Only limited summary data is available for this year.$15.7$14.3$1.45$0.65$0.80$0.15
2016Detailed filing. Detailed filing data is available for this year.$16.8$15.2$1.59$0.62$0.65$0.03
2015Detailed filing. Detailed filing data is available for this year.$17.4$15.7$1.66$0.60$0.62$0.02
2014Detailed filing. Detailed filing data is available for this year.$16.4$14.7$1.70$0.55$0.66$0.10
2013Detailed filing. Detailed filing data is available for this year.$16.0$14.2$1.80$0.61$0.65$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.1$15.3$1.85$0.66
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.6$14.7$1.83$0.80
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.2$15.3$1.87$0.92
Latest Detailed Filing

The latest 2018 filing currently has summary financial data only. Showing the latest detailed filing from 2016 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 15, 2017
Return Version
2016v3.0
Gross Receipts
$620,541
Mission and Program Overview

Mission

CREDIT UNION

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$9,653,277$10,381,170▲ $727,893
Savings and Temporary Cash Investments$5,347,994$3,183,221▼ $2,164,773
Investments in Publicly Traded Securities$1,693,945$2,543,951▲ $850,006
Rtn Earn Endowment Incm Other Fnds$1,657,511$1,593,874▼ $63,637
Land, Buildings, and Equipment, Net$286,530$254,162▼ $32,368
Cash and Non-Interest-Bearing Accounts$157,839$175,151▲ $17,312
Receivables From Officers Etc$44,022$34,176▼ $9,846
Prepaid Expenses and Deferred Charges$14,020$25,018▲ $10,998
Accounts Receivable$350--
Total Assets$17,373,297$16,759,929▼ $613,368
Other Assets Total$175,320$163,080▼ $12,240
Liabilities
Other Liabilities$15,688,766$15,143,077▼ $545,689
Accounts Payable and Accrued Expenses$11,223$12,391▲ $1,168
Escrow Account Liability$15,797$10,587▼ $5,210
Total Liabilities$15,715,786$15,166,055▼ $549,731
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,657,511$1,593,874▼ $63,637
Total Liabilities and Net Assets / Fund Balance$17,373,297$16,759,929▼ $613,368

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$81,555$233,996$315,551
Land$102,500-$102,500
Equipment$19,617$80,976$100,593
Other Land Buildings$50,490$33,660$84,150
Other Assets Org$163,080--
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Jan E DabrowskiChairperson
Alan M ZexterVice Chairperson
Gianno T Lettieri IiiDirector
Janet PeitavinoDirector
Jeffrey D MooreDirector
Nuno PereiraDirector
Paul R PachecoDirector
Robert GardnerDirector
Marcia J RulonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$422,408
Investment Income
$71,040
Other Revenue
$127,093
Change in Net Assets
$-25,583
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$418,227
Salaries, Compensation, and Employee Benefits$227,897
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$111,995
Current Officers, Directors, Trustees, and Key Employees---$98,844
Information Technology---$87,046
Office Expenses---$69,676
Interest---$39,458
Depreciation Depletion---$38,760
Insurance---$37,723
Occupancy---$21,832
Fees for Services Accounting---$19,105
Payroll Taxes---$17,058
Other Expenses---$14,443
Conferences and Meetings---$10,979
Advertising---$9,172
Total Functional Expenses$0$0$0$646,124
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$44,022$34,176▼ $9,846
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$15,143,077
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI Line 11B

“No review was or will be conducted”

Part VI Line 19

“All documents available to credit union members”

Filing and Contact Details

Filer

Filer Name
St Anne Credit Union
EIN
04-1801000
In Care Of
% MARCIE RULON
Phone
5089930011
Address
93 UNION ST, NEW BEDFORD, MA 02740

Signing Officer

Name
Marcie Rulon
Title
Treasurer
Phone
5089930011
Signed
2017-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Marcia J Rulon
Legal Domicile
Ma
Voting Board Members
0
Independent Board Members
0
Employees
0

Preparer

Preparer
Charles R Conant Iv
Phone
7815561821
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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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IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0163080
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0OTHER ASSETS
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IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt033660
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt084150
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt015143077
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSIT ACCOUNTS
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IRS990ScheduleD/SolicitedAssetsSaleInd0false
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IRS990ScheduleD/TotalBookValueOtherAssetsAmt0163080
IRS990ScheduleD/TotalLiabilityAmt015143077
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IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd0false
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NO REVIEW WAS OR WILL BE CONDUCTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL DOCUMENTS AVAILABLE TO CREDIT UNION MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
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IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt017373297
IRS990/TotalAssetsEOYAmt016759929
IRS990/TotalAssetsGrp/BOYAmt017373297
IRS990/TotalAssetsGrp/EOYAmt016759929
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0646124
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt015715786
IRS990/TotalLiabilitiesEOYAmt015166055
IRS990/TotalLiabilitiesGrp/BOYAmt015715786
IRS990/TotalLiabilitiesGrp/EOYAmt015166055
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01657511
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01593874
IRS990/TotalProgramServiceRevenueAmt0422408
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0620541
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0620541
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt017373297
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt016759929
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt093 UNION ST
IRS990/USAddress/CityNm0NEW BEDFORD
IRS990/USAddress/StateAbbreviationCd0MA
IRS990/USAddress/ZIPCd002740
IRS990/VotingMembersGoverningBodyCnt00
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
IRS990/WrittenPolicyOrProcedureInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MARCIE RULON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum05089930011
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ST ANNE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0STAN
ReturnHeader/Filer/EIN0041801000
ReturnHeader/Filer/InCareOfNm0% MARCIE RULON
ReturnHeader/Filer/PhoneNum05089930011
ReturnHeader/Filer/USAddress/AddressLine1Txt093 UNION ST
ReturnHeader/Filer/USAddress/CityNm0NEW BEDFORD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd002740
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0411AA16790115C2D719FC21973E7BAD533B9A466
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0411AA16790115C2D719FC21973E7BAD533B9A466
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId004878220171353310597
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02017-05-15
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt076.127.170.90
ReturnHeader/PreparerPersonGrp/PhoneNum07815561821
ReturnHeader/PreparerPersonGrp/PreparationDt02017-05-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHARLES R CONANT IV
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02017-05-15T17:46:00-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

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