Civic Intelligence

St Jeans Credit Union

990 • Fiscal year 2017 • EIN 04-1801520

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 06, 2018

Organization ProfileWWW.STJEANSCU.COM

View Organization Page

250 Maple StreetLynn, MA 01904

(781) 592-5420

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.90x

Higher debt load relative to assets than 62% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Liabilities / Revenue

79th percentile

21.35x

Higher debt load relative to revenue than 79% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Net Margin

50th percentile

11%

Higher net margin than 50% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Top Officer Pay

89th percentile

$331,880

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 3.5% of source-year revenue.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Asset Growth

74th percentile

6.2%

Faster asset growth than 74% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Revenue Growth

55th percentile

7.2%

Faster revenue growth than 55% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Up

$225,241,676

Up $13,079,196 (+6.2%) from 2016

Net Assets

Up

$22,070,246

Up $330,117 (+1.5%) from 2016

Liabilities

Up

$203,171,430

Up $12,749,079 (+6.7%) from 2016

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin50th percentile

Revenue

Up

$9,514,332

Up $636,163 (+7.2%) from 2016

Expenses

Up

$8,432,802

Up $187,543 (+2.3%) from 2016

Net Income

Up

$1,081,530

Up $448,620 (+71%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth74th percentile

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

$400M$300M$200M$100M$0Assets 2010: $133,701,426Liabilities 2010: $120,156,524Net Assets 2010: $13,544,9022010Assets 2011: $140,798,720Liabilities 2011: $127,079,352Net Assets 2011: $13,719,3682011Assets 2012: $140,598,823Liabilities 2012: $126,307,639Net Assets 2012: $14,291,1842012Assets 2013: $148,483,476Liabilities 2013: $134,129,951Net Assets 2013: $14,353,5252013Assets 2014: $158,960,262Liabilities 2014: $144,452,226Net Assets 2014: $14,508,0362014Assets 2015: $210,983,475Liabilities 2015: $189,607,136Net Assets 2015: $21,376,3392015Assets 2016: $212,162,480Liabilities 2016: $190,422,351Net Assets 2016: $21,740,1292016Assets 2017: $225,241,676Liabilities 2017: $203,171,430Net Assets 2017: $22,070,2462017Assets 2018: $248,810,388Liabilities 2018: $225,510,123Net Assets 2018: $23,300,2652018Assets 2019: $269,987,626Liabilities 2019: $244,543,751Net Assets 2019: $25,443,8752019Assets 2020: $300,448,236Liabilities 2020: $274,038,929Net Assets 2020: $26,409,3072020Assets 2021: $315,403,428Liabilities 2021: $288,280,474Net Assets 2021: $27,122,9542021Assets 2022: $334,286,442Liabilities 2022: $307,493,057Net Assets 2022: $26,793,3852022Assets 2023: $367,484,676Liabilities 2023: $337,592,441Net Assets 2023: $29,892,2352023Assets 2024: $378,327,787Liabilities 2024: $347,252,944Net Assets 2024: $31,074,8432024

Highlighted filing

2017

Assets$225,241,676
Liabilities$203,171,430
Net Assets$22,070,246
Open 2017 Filing

Operations Trend

Revenue Growth55th percentile

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

$20M$15M$10M$5.0M$0Expenses 2010: $6,907,8042010Revenue 2011: $7,059,597Expenses 2011: $6,658,436Net Income 2011: $401,1612011Expenses 2012: $6,371,7532012Revenue 2013: $6,606,353Expenses 2013: $6,306,906Net Income 2013: $299,4472013Revenue 2014: $6,779,986Expenses 2014: $6,356,585Net Income 2014: $423,4012014Revenue 2015: $7,596,144Expenses 2015: $7,102,472Net Income 2015: $493,6722015Revenue 2016: $8,878,169Expenses 2016: $8,245,259Net Income 2016: $632,9102016Revenue 2017: $9,514,332Expenses 2017: $8,432,802Net Income 2017: $1,081,5302017Revenue 2018: $10,712,957Expenses 2018: $9,482,386Net Income 2018: $1,230,5712018Revenue 2019: $13,270,557Expenses 2019: $11,105,079Net Income 2019: $2,165,4782019Revenue 2020: $12,139,021Expenses 2020: $11,268,248Net Income 2020: $870,7732020Revenue 2021: $11,808,191Expenses 2021: $10,403,697Net Income 2021: $1,404,4942021Revenue 2022: $12,416,891Expenses 2022: $10,382,805Net Income 2022: $2,034,0862022Revenue 2023: $17,647,270Expenses 2023: $15,245,944Net Income 2023: $2,401,3262023Revenue 2024: $19,422,313Expenses 2024: $17,730,468Net Income 2024: $1,691,8452024

Highlighted filing

2017

Revenue$9,514,332
Expenses$8,432,802
Net Income$1,081,530
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 6, 2018
Return Version
2017v2.3
Gross Receipts
$9,514,332
Mission and Program Overview

Mission

CREDIT UNION

SEE SCHEDULE O.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$166,489,499$185,500,332▲ $19,010,833
Rtn Earn Endowment Incm Other Fnds$21,740,129$22,070,246▲ $330,117
Investments Other Securities$19,915,237$17,389,597▼ $2,525,640
Savings and Temporary Cash Investments$10,393,404$6,160,143▼ $4,233,261
Land, Buildings, and Equipment, Net$4,996,938$4,840,633▼ $156,305
Investments in Publicly Traded Securities$4,019,670$3,287,077▼ $732,593
Cash and Non-Interest-Bearing Accounts$1,822,632$3,086,494▲ $1,263,862
Prepaid Expenses and Deferred Charges$158,956$263,297▲ $104,341
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$212,162,480$225,241,676▲ $13,079,196
Other Assets Total$4,366,144$4,714,103▲ $347,959
Liabilities
Other Liabilities$187,376,397$193,171,643▲ $5,795,246
Unsecured Notes Loans Payable$2,250,000$9,051,221▲ $6,801,221
Escrow Account Liability$605,024$673,708▲ $68,684
Accounts Payable and Accrued Expenses$190,930$274,858▲ $83,928
Total Liabilities$190,422,351$203,171,430▲ $12,749,079
Net Assets / Fund Balance
Total Net Assets Fund Balance$21,740,129$22,070,246▲ $330,117
Total Liabilities and Net Assets / Fund Balance$212,162,480$225,241,676▲ $13,079,196

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$728,803$2,226,093$2,954,896
Buildings$1,702,191$965,498$2,667,689
Land$1,796,101-$1,796,101
Leasehold Improvements$570,142$317,274$887,416
Other Land Buildings$43,396-$43,396
Other Securities$17,389,597--
Compensation and Service Providers
Top Officer Pay89th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
C David SurfacePresident/CEOFT$230,004$101,876$331,880
Kathleen DonahueExecutive Vice PresidentFT$125,183$24,464$149,647
James MetcalfVP Consumer LendingFT$110,171$8,707$118,878

Board Members and Trustees

NameTitle
Stephen SalvoChairman
Steven Walsh2nd Vice Chairman
Paul AmiraultVice Chairman
Lawrence RauschDirector
Marie CastineyraDirector
Phillip J DoyleDirector
Richard DragoneDirector
Timothy SheaDirector
Ira NovoselskyTreasurer/clerk/director
Richard BonnevieAsst. Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
SynergentCore Data ProviderPO BOX 1236, Portland, ME 04104$727,975
Digital Insight CorpHome BankingPO BOX 740641, Los Angeles, CA 90074-0641$415,408
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,947,438
Investment Income
$736,663
Other Revenue
$830,231
Change in Net Assets
$1,081,530

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,514,332
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-1,413
Total Revenue per Audited Statements
$9,512,919
Total Revenue per Form 990
$9,514,332
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,558,215
Salaries, Compensation, and Employee Benefits$3,874,587
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,664,891
Information Technology---$1,161,988
Interest---$1,022,922
Occupancy---$708,531
Other Employee Benefits---$413,448
Depreciation Depletion---$316,302
Office Expenses---$290,117
Pension Plan Contributions---$285,074
Current Officers, Directors, Trustees, and Key Employees---$278,737
Payroll Taxes---$232,437
Conferences and Meetings---$55,976
Other Expenses---$52,969
Fees for Services Accounting---$38,560
Fees for Services Other---$26,238
Insurance---$22,224
Travel---$16,366
Fees for Services Legal---$5,100
Total Functional Expenses$0$0$0$8,432,802

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$8,432,802
Total Expenses per Audited Statements$8,432,802
Total Expenses per Form 990$8,432,802
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposits$191,785,459
Other Liabilities$1,386,184
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
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

Form 990, Part VI, Section A, Line 6

“Classes of members or stockholders persons who meet the requirements of the organization's field of membership who hold at least one share of the capital”

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

“Election of members and their rights - each member has a vote at the election of the board of directors.”

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

“Decisions subject to the approval of members any changes to the incorporating documents, i.e bylaws are approved by membership”

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

“The 990 will be reviewed by ceo, cfo and directors. Due to filing deadlines, the 990 may be reviewed by the board of directors subsequent to filing. The review is documented in the minutes.”

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

“Policy is reviewed annually with the board and employees. Written acknowledgements are signed on an annual basis.”

Form 990, Part VI, Section B, Line 15

“Form 990, part vi, line 15a compensation process for top official ceo's compensation is determined by the board of directors, executive comittee. Wage and salary plan introduced in 2013. Job descriptions were updated. A salary survey was conducted by an independent company. All positions were evaluated. Positions within the credit union have been assigned a rank. Salary ranges were established for each rank. Compensation is based on current and related experience. Form 990, part vi, line 15b ceo's compensation is determined by the board of directors. Senior management is determined by increase set forth for staff and approved by the board of directors. Salary surveys, industry trends and earnings are all taken into consideration.”

Form 990, Part VI, Section C, Line 19

“Governing documents are posted in the lobby at branch locations and are available upon request. The information is updated on a monthly basis after the board meets.”

Filing and Contact Details

Filer

Filer Name
St Jeans Credit Union
EIN
04-1801520
Phone
7815925420
Address
250 MAPLE STREET, LYNN, MA 01904

Signing Officer

Name
C Donald Surface
Title
President & CEO
Phone
7815925420
Signed
2018-11-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
C David Surface
Formed
1910
Legal Domicile
Ma
Voting Board Members
11
Independent Board Members
10
Employees
81
Volunteers
10

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

“The mission of st. Jean's credit union is to fulfill the needs of our diverse membership with the utmost integrity and privacy.”

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

“St. Jean's credit union (the "credit union") is a state-chartered credit union. Its primary business is the acceptance of deposits and the making of loans to members who live or work in the massachusetts counties of essex county, middlesex county, suffolk county and employees and family members of h.p. Hood, llc (family members are defined as parents and siblings).”

FORM 990, PART XI, LINE 9:

“Repayment of donated equity -750,000.”

Form 990, Part XII, Line 2C

“The organization did not change either its oversight process or selection process during the tax year.”

Financial Statement Notes

PART IV, LINE 2B:

“Mortgage escrow accounts are held for the payment of real estate taxes for municipalities.”

PART X, LINE 2:

“The credit union is exempt, by statute, from federal and state income taxes on income under the provisions of the internal revenue code and massachusetts statutes. Tax positions taken or expected to be taken, including the position that the credit union qualifies as a tax exempt entity, are required to be evaluated to determine whether the tax positions are "more-likely-than-not" to be upheld under regulatory review. Tax positions not deemed to meet the more-likely-than-not threshold would be accrued and disclosed in the financial statements. The credit union has evaluated its tax positions as of december 31, 2017 and 2016 and has determined that there are no uncertain tax positions that qualify for either recognition or disclosure. Currently tax years from 2014 through present are open and subject to examination by taxing authorities.”

Raw XML AppendixShowing 400 of 506 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/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER/CLERK/DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5ASST. TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt82ND VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt9VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11EXECUTIVE VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP CONSUMER LENDING
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01910
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0269453
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0269453
IRS990/GrossReceiptsAmt09514332
IRS990/GrossRentsGrp/RealAmt034862
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01161988
IRS990/InsuranceGrp/TotalAmt022224
IRS990/InterestGrp/TotalAmt01022922
IRS990/InvestmentIncomeGrp/ExclusionAmt0467210
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0467210
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt019915237
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt017389597
IRS990/InvestmentsPubTradedSecGrp/BOYAmt04019670
IRS990/InvestmentsPubTradedSecGrp/EOYAmt03287077
IRS990/IRPDocumentCnt04763
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03508865
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04996938
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04840633
IRS990/LandBldgEquipCostOrOtherBssAmt08349498
IRS990/LegalDomicileStateCd0MA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt020700
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt020700
IRS990/MissionDesc0SEE SCHEDULE O.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt021740129
IRS990/NetAssetsOrFundBalancesEOYAmt022070246
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0269453
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0269453
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt034862
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt034862
IRS990/NetUnrelatedBusTxblIncmAmt0-129763
IRS990/NetUnrlzdGainsLossesInvstAmt0-1413
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0708531
IRS990/OfficeExpensesGrp/TotalAmt0290117
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04366144
IRS990/OtherAssetsTotalGrp/EOYAmt04714103
IRS990/OtherChangesInNetAssetsAmt0-750000
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0413448
IRS990/OtherExpensesGrp/Desc0OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc1EDUCATION & PROMOTIONS
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3EQUIPMENT
IRS990/OtherExpensesGrp/TotalAmt0650539
IRS990/OtherExpensesGrp/TotalAmt1100595
IRS990/OtherExpensesGrp/TotalAmt289788
IRS990/OtherExpensesGrp/TotalAmt352969
IRS990/OtherLiabilitiesGrp/BOYAmt0187376397
IRS990/OtherLiabilitiesGrp/EOYAmt0193171643
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2900099
IRS990/OtherRevenueMiscGrp/Desc0INTERCHARGE INCOME
IRS990/OtherRevenueMiscGrp/Desc1LOAN SERVICING FEE
IRS990/OtherRevenueMiscGrp/Desc2MISC INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0611499
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1125712
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt237458
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0611499
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1125712
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt237458
IRS990/OtherRevenueTotalAmt0795369
IRS990/OtherSalariesAndWagesGrp/TotalAmt02664891
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0166489499
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0185500332
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0232437
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0285074
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0158956
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0263297
IRS990/PrincipalOfficerNm0C DAVID SURFACE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1MEMBERS SERVICE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06713302
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11203391
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06713302
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11234136
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt030745
IRS990/ProgSrvcAccomActyOtherGrp/Desc0ALL OTHER ACCOMPLISHMENT EXPENSES RELATED TO NON-MEMBER ATM FEES - SCHEDULE 990 T
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0367687
IRS990/PYOtherExpensesAmt04540475
IRS990/PYOtherRevenueAmt02322920
IRS990/PYProgramServiceRevenueAmt06187562
IRS990/PYRevenuesLessExpensesAmt0632910
IRS990/PYSalariesCompEmpBnftPaidAmt03704784
IRS990/PYTotalExpensesAmt08245259
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08878169
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt01081530
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt034862
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt021740129
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt022070246
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010393404
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06160143
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01702191
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0965498
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02667689
IRS990ScheduleD/EquipmentGrp/BookValueAmt0728803
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02226093
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02954896
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt08432802
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt01796101
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01796101
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0570142
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0317274
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0887416
IRS990ScheduleD/NetUnrealizedGainsInvstAmt0-1413
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt043396
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt043396
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0191785459
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11386184
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES AND DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1OTHER LIABILITIES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt017389597
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/RevenueNotReportedAmt0-1413
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt09514332
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MORTGAGE ESCROW ACCOUNTS ARE HELD FOR THE PAYMENT OF REAL ESTATE TAXES FOR MUNICIPALITIES.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL AND STATE INCOME TAXES ON INCOME UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND MASSACHUSETTS STATUTES. TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN, INCLUDING THE POSITION THAT THE CREDIT UNION QUALIFIES AS A TAX EXEMPT ENTITY, ARE REQUIRED TO BE EVALUATED TO DETERMINE WHETHER THE TAX POSITIONS ARE "MORE-LIKELY-THAN-NOT" TO BE UPHELD UNDER REGULATORY REVIEW. TAX POSITIONS NOT DEEMED TO MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE ACCRUED AND DISCLOSED IN THE FINANCIAL STATEMENTS. THE CREDIT UNION HAS EVALUATED ITS TAX POSITIONS AS OF DECEMBER 31, 2017 AND 2016 AND HAS DETERMINED THAT THERE ARE NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE. CURRENTLY TAX YEARS FROM 2014 THROUGH PRESENT ARE OPEN AND SUBJECT TO EXAMINATION BY TAXING AUTHORITIES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04840633
IRS990ScheduleD/TotalBookValueSecuritiesAmt017389597
IRS990ScheduleD/TotalExpensesPerForm990Amt08432802
IRS990ScheduleD/TotalLiabilityAmt0193171643
IRS990ScheduleD/TotalRevenuePerForm990Amt09514332
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt09512919
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt08432802
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0230004
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount025592
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt036379
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt016764
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt023141
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0C DAVID SURFACE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0331880
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION PROVIDES TO ELIGIBLE EMPLOYEES DEFERRED COMPENSATION BENEFITS UNDER SECTION 457(F) OF THE INTERNAL REVENUE CODE. THESE BENEFITS ARE INTENDED FOR CERTAIN MEMBERS OF A SELECT GROUP OF MANAGEMENT OR HIGHLY COMPENSATED EMPLOYEES. PARTICIPANTS RECEIVE AN ANNUAL ALLOCATION FROM THE CREDIT UNION EQUAL TO 5% OF ANNUAL SALARY FOR THE YEAR OF CONTRIBUTION. ALL SUCH AMOUNTS ALLOCATED TO THE PARTICIPANT SHALL BE DEFERRED FOR PAYMENT TO THE PARTICIPANT ON OR AFTER THE PARTICIPANT'S RETIREMENT DATE. AT DECEMBER 31, 2017 AND 2016, THE 457(F) PLAN HAD CUMULATIVE BALANCES OF $226,329 AND $163,883, RESPECTIVELY.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$225,241,676
Liabilities
$203,171,430
Net assets
$22,070,246
Revenue
$9,514,332
Expenses
$8,432,802
Net income
$1,081,530
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$378$347$31.1$19.4$17.7$1.69
2023Detailed filing. Detailed filing data is available for this year.$367$338$29.9$17.6$15.2$2.40
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$334$307$26.8$12.4$10.4$2.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$315$288$27.1$11.8$10.4$1.40
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$300$274$26.4$12.1$11.3$0.87
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$270$245$25.4$13.3$11.1$2.17
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$249$226$23.3$10.7$9.48$1.23
2017Detailed filing. Detailed filing data is available for this year.$225$203$22.1$9.51$8.43$1.08
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$212$190$21.7$8.88$8.25$0.63
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$211$190$21.4$7.60$7.10$0.49
2014Detailed filing. Detailed filing data is available for this year.$159$144$14.5$6.78$6.36$0.42
2013Detailed filing. Detailed filing data is available for this year.$148$134$14.4$6.61$6.31$0.30
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$141$126$14.3$6.37
2011Summary only. Only limited summary data is available for this year.$141$127$13.7$7.06$6.66$0.40
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$134$120$13.5$6.91