Civic Intelligence

Southern Mass Credit Union

990 • Fiscal year 2011 • EIN 04-1853650

Jan 01, 2011 to Dec 31, 2011 • Filed on May 11, 2012

Organization ProfileALLTRUSTCU.ORG

View Organization Page

123 Alden Road02719
Siviq Scores

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

Liabilities / Assets

53rd percentile

0.90x

Higher debt load relative to assets than 53% of similar nonprofits.

2011 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

29th percentile

1.9%

Faster asset growth than 29% of similar nonprofits.

2011 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Up

$191,232,536

Up $3,655,676 (+1.9%) from 2010

Net Assets

Up

$19,153,319

Up $110,784 (+0.6%) from 2010

Liabilities

Up

$172,079,217

Up $3,544,892 (+2.1%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$6,885,919

Down $321,976 (-4.5%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth29th percentile

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

$400M$300M$200M$100M$0Assets 2010: $187,576,860Liabilities 2010: $168,534,325Net Assets 2010: $19,042,5352010Assets 2011: $191,232,536Liabilities 2011: $172,079,217Net Assets 2011: $19,153,3192011Assets 2012: $190,020,458Liabilities 2012: $170,689,702Net Assets 2012: $19,330,7562012Assets 2013: $184,808,523Liabilities 2013: $165,139,166Net Assets 2013: $19,669,3572013Assets 2014: $204,354,906Liabilities 2014: $181,615,188Net Assets 2014: $22,739,7182014Assets 2015: $203,215,141Liabilities 2015: $180,123,011Net Assets 2015: $23,092,1302015Assets 2016: $205,288,394Liabilities 2016: $182,131,956Net Assets 2016: $23,156,4382016Assets 2017: $209,834,656Liabilities 2017: $185,756,344Net Assets 2017: $24,078,3122017Assets 2018: $221,904,247Liabilities 2018: $196,820,201Net Assets 2018: $25,084,0462018Assets 2019: $251,289,089Liabilities 2019: $226,653,806Net Assets 2019: $24,635,2832019Assets 2020: $293,041,975Liabilities 2020: $265,285,444Net Assets 2020: $27,756,5312020Assets 2021: $299,264,971Liabilities 2021: $269,921,809Net Assets 2021: $29,343,1622021Assets 2022: $345,809,637Liabilities 2022: $316,009,001Net Assets 2022: $29,800,6362022Assets 2023: $326,560,591Liabilities 2023: $296,658,975Net Assets 2023: $29,901,6162023Assets 2024: $315,022,278Liabilities 2024: $286,231,785Net Assets 2024: $28,790,4932024

Highlighted filing

2011

Assets$191,232,536
Liabilities$172,079,217
Net Assets$19,153,319
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$20M$15M$10M$5.0M$0-$5.0MExpenses 2010: $7,207,8952010Expenses 2011: $6,885,9192011Expenses 2012: $6,549,5572012Revenue 2013: $6,484,691Expenses 2013: $6,137,997Net Income 2013: $346,6942013Revenue 2014: $8,021,532Expenses 2014: $6,805,372Net Income 2014: $1,216,1602014Revenue 2015: $7,368,087Expenses 2015: $7,004,271Net Income 2015: $363,8162015Revenue 2016: $7,140,538Expenses 2016: $7,069,609Net Income 2016: $70,9292016Revenue 2017: $7,806,286Expenses 2017: $6,963,617Net Income 2017: $842,6692017Revenue 2018: $8,514,322Expenses 2018: $7,508,588Net Income 2018: $1,005,7342018Revenue 2019: $9,994,274Expenses 2019: $10,517,585Net Income 2019: -$523,3112019Revenue 2020: $13,961,049Expenses 2020: $10,932,677Net Income 2020: $3,028,3722020Revenue 2021: $13,016,630Expenses 2021: $11,561,477Net Income 2021: $1,455,1532021Revenue 2022: $12,729,044Expenses 2022: $12,437,070Net Income 2022: $291,9742022Revenue 2023: $14,866,095Expenses 2023: $14,935,599Net Income 2023: -$69,5042023Revenue 2024: $14,999,875Expenses 2024: $16,290,560Net Income 2024: -$1,290,6852024

Highlighted filing

2011

Revenue-
Expenses$6,885,919
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 11, 2012
Return Version
2011v1.2
Gross Receipts
$6,986,110
Mission and Program Overview

Mission

Credit union - thrift services

Major Activities

Activity 2
Scholarships awarded to qualifying apllicants - members/members' family.
Activity 3
Maintenance of members' loan accounts. Number of accounts is 4,846.
Filing and Contact Details

Filer

EIN
04-1853650
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IRS990ScheduleD/Equipment/OtherCostOrOtherBasis0968213
IRS990ScheduleD/ExcessOrDeficitForYear0100191
IRS990ScheduleD/ExcessOrDeficitPerFS0110784
IRS990ScheduleD/ExpensesSubtotal06885919
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0CHANGE IN MARKET VALUE DUE TO FAS115 $10593
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation1MORTGAGE ESCROW ACCOUNTS HELD FOR THE PAYMENT OF REAL ESTATE TAXES FOR MUNICIPALITIES.
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier0Part XI, Line 8
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier1Part IV, Line 2b
IRS990ScheduleD/Form990ScheduleDPartXIV/ReturnReference0Part XI, Line 8: Other Changes in Net Assets or Fund Balances
IRS990ScheduleD/Form990ScheduleDPartXIV/ReturnReference1Part IV, Line 2b: Explanation of escrow account liability
IRS990ScheduleD/IncludedOnFS0true
IRS990ScheduleD/Land/BookValue01234204
IRS990ScheduleD/Land/OtherCostOrOtherBasis01234204
IRS990ScheduleD/LeaseholdImprovements/BookValue010846
IRS990ScheduleD/LeaseholdImprovements/Depreciation04773
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis015619
IRS990ScheduleD/OtherAmount010593
IRS990ScheduleD/OtherLandBuildings/BookValue0338769

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$191,232,536
Liabilities
$172,079,217
Net assets
$19,153,319
Revenue
-
Expenses
$6,885,919
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$315$286$28.8$15.0$16.3$1.29
2023Detailed filing. Detailed filing data is available for this year.$327$297$29.9$14.9$14.9$0.07
2022Detailed filing. Detailed filing data is available for this year.$346$316$29.8$12.7$12.4$0.29
2021Detailed filing. Detailed filing data is available for this year.$299$270$29.3$13.0$11.6$1.46
2020Detailed filing. Detailed filing data is available for this year.$293$265$27.8$14.0$10.9$3.03
2019Detailed filing. Detailed filing data is available for this year.$251$227$24.6$9.99$10.5$0.52
2018Detailed filing. Detailed filing data is available for this year.$222$197$25.1$8.51$7.51$1.01
2017Detailed filing. Detailed filing data is available for this year.$210$186$24.1$7.81$6.96$0.84
2016Detailed filing. Detailed filing data is available for this year.$205$182$23.2$7.14$7.07$0.07
2015Detailed filing. Detailed filing data is available for this year.$203$180$23.1$7.37$7.00$0.36
2014Detailed filing. Detailed filing data is available for this year.$204$182$22.7$8.02$6.81$1.22
2013Detailed filing. Detailed filing data is available for this year.$185$165$19.7$6.48$6.14$0.35
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$190$171$19.3$6.55
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$191$172$19.2$6.89
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$188$169$19.0$7.21