Civic Intelligence

Greater Springfield Credit Union

EIN 04-1859290 • 501(c)14 • Springfield, MA

View Organization Page

Profile

To provide a friendly atmosphere for its members in which they can conduct their financial business and to offer fair rates for savings, loans and other services as they become available.

1030 Wilbraham RoadSpringfield, MA 01109-2023

www.grscu.org

Siviq Scores

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

Liabilities / Assets

15th percentile

0.85x

Higher debt load relative to assets than 15% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

83rd percentile

20.59x

Higher debt load relative to revenue than 83% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

90th percentile

26%

Higher net margin than 90% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

37th percentile

$200,228

Higher top officer pay than 37% of similar nonprofits.

Top officer pay equals 2.5% of source-year revenue.

$100M-$250M nonprofits • Source year 2023

Asset Growth

35th percentile

0.5%

Faster asset growth than 35% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

67th percentile

19%

Faster revenue growth than 67% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets15th percentile

Assets

Up

$233,310,109

Up $1,062,853 (+0.5%) from 2023

Liabilities

Down

$197,942,639

Down $1,606,304 (-0.8%) from 2023

Net Assets

Up

$35,367,470

Up $2,669,157 (+8.2%) from 2023

Operations
Liabilities / Revenue83rd percentileNet Margin90th percentile

Revenue

Up

$9,614,722

Up $1,548,896 (+19%) from 2023

Expenses

Up

$7,155,310

Up $1,601,616 (+29%) from 2023

Net Income

Down

$2,459,412

Down $52,720 (-2.1%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth35th percentile

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

$300M$200M$100M$0Assets 2010: $128,996,250Liabilities 2010: $117,454,035Net Assets 2010: $11,542,2152010Assets 2011: $129,927,634Liabilities 2011: $117,104,707Net Assets 2011: $12,822,9272011Assets 2012: $133,692,965Liabilities 2012: $119,867,245Net Assets 2012: $13,825,7202012Assets 2013: $139,445,327Liabilities 2013: $124,914,972Net Assets 2013: $14,530,3552013Assets 2014: $141,231,475Liabilities 2014: $124,463,770Net Assets 2014: $16,767,7052014Assets 2015: $145,585,334Liabilities 2015: $127,181,207Net Assets 2015: $18,404,1272015Assets 2016: $159,401,475Liabilities 2016: $139,303,613Net Assets 2016: $20,097,8622016Assets 2017: $165,517,312Liabilities 2017: $142,917,423Net Assets 2017: $22,599,8892017Assets 2018: $163,833,095Liabilities 2018: $139,010,424Net Assets 2018: $24,822,6712018Assets 2019: $180,047,432Liabilities 2019: $151,419,886Net Assets 2019: $28,627,5462019Assets 2020: $221,372,665Liabilities 2020: $189,649,256Net Assets 2020: $31,723,4092020Assets 2021: $256,133,035Liabilities 2021: $223,641,731Net Assets 2021: $32,491,3042021Assets 2022: $247,239,099Liabilities 2022: $218,282,206Net Assets 2022: $28,956,8932022Assets 2023: $232,247,256Liabilities 2023: $199,548,943Net Assets 2023: $32,698,3132023Assets 2024: $233,310,109Liabilities 2024: $197,942,639Net Assets 2024: $35,367,4702024

Highlighted filing

2024

Assets$233,310,109
Liabilities$197,942,639
Net Assets$35,367,470
Open 2024 Filing

Operations Trend

Revenue Growth67th percentile

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

$10M$5.0M$0Expenses 2010: $4,544,4612010Expenses 2011: $4,040,5872011Expenses 2012: $3,683,0572012Revenue 2013: $4,725,228Expenses 2013: $3,292,008Net Income 2013: $1,433,2202013Revenue 2014: $4,822,625Expenses 2014: $3,129,892Net Income 2014: $1,692,7332014Revenue 2015: $4,988,692Expenses 2015: $3,190,804Net Income 2015: $1,797,8882015Revenue 2016: $5,354,135Expenses 2016: $3,139,702Net Income 2016: $2,214,4332016Revenue 2017: $5,719,470Expenses 2017: $3,246,335Net Income 2017: $2,473,1352017Revenue 2018: $6,070,353Expenses 2018: $3,267,137Net Income 2018: $2,803,2162018Revenue 2019: $6,540,991Expenses 2019: $3,890,948Net Income 2019: $2,650,0432019Revenue 2020: $6,721,495Expenses 2020: $4,365,447Net Income 2020: $2,356,0482020Revenue 2021: $6,141,527Expenses 2021: $4,285,356Net Income 2021: $1,856,1712021Revenue 2022: $6,756,923Expenses 2022: $4,436,311Net Income 2022: $2,320,6122022Revenue 2023: $8,065,826Expenses 2023: $5,553,694Net Income 2023: $2,512,1322023Revenue 2024: $9,614,722Expenses 2024: $7,155,310Net Income 2024: $2,459,4122024

Highlighted filing

2024

Revenue$9,614,722
Expenses$7,155,310
Net Income$2,459,412
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$233,310,109
Liabilities
$197,942,639
Net assets
$35,367,470
Revenue
$9,614,722
Expenses
$7,155,310
Net income
$2,459,412
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$233$198$35.4$9.61$7.16$2.46
2023Detailed filing. Detailed filing data is available for this year.$232$200$32.7$8.07$5.55$2.51
2022Detailed filing. Detailed filing data is available for this year.$247$218$29.0$6.76$4.44$2.32
2021Detailed filing. Detailed filing data is available for this year.$256$224$32.5$6.14$4.29$1.86
2020Detailed filing. Detailed filing data is available for this year.$221$190$31.7$6.72$4.37$2.36
2019Detailed filing. Detailed filing data is available for this year.$180$151$28.6$6.54$3.89$2.65
2018Detailed filing. Detailed filing data is available for this year.$164$139$24.8$6.07$3.27$2.80
2017Detailed filing. Detailed filing data is available for this year.$166$143$22.6$5.72$3.25$2.47
2016Detailed filing. Detailed filing data is available for this year.$159$139$20.1$5.35$3.14$2.21
2015Detailed filing. Detailed filing data is available for this year.$146$127$18.4$4.99$3.19$1.80
2014Detailed filing. Detailed filing data is available for this year.$141$124$16.8$4.82$3.13$1.69
2013Detailed filing. Detailed filing data is available for this year.$139$125$14.5$4.73$3.29$1.43
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$134$120$13.8$3.68
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$130$117$12.8$4.04
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$129$117$11.5$4.54
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 6, 2025
Return Version
2024v5.2
Gross Receipts
$9,894,247
Mission and Program Overview

Mission

Credit union - thrift services

To provide services for its members in which they can conduct their financial business and to offer fair rates for savings, loans and other services as they become available.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$107,567,743$108,136,813▲ $569,070
Savings and Temporary Cash Investments$64,988,563$61,262,989▼ $3,725,574
Investments in Publicly Traded Securities$53,459,173$57,902,370▲ $4,443,197
Rtn Earn Endowment Incm Other Fnds$32,698,313$35,367,470▲ $2,669,157
Cash and Non-Interest-Bearing Accounts$1,130,334$1,581,182▲ $450,848
Land, Buildings, and Equipment, Net$1,056,424$1,130,514▲ $74,090
Prepaid Expenses and Deferred Charges$67,305$133,475▲ $66,170
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$232,247,256$233,310,109▲ $1,062,853
Other Assets Total$3,977,714$3,162,766▼ $814,948
Liabilities
Other Liabilities$197,618,168$196,539,354▼ $1,078,814
Accounts Payable and Accrued Expenses$1,930,775$1,403,285▼ $527,490
Total Liabilities$199,548,943$197,942,639▼ $1,606,304
Net Assets / Fund Balance
Total Net Assets Fund Balance$32,698,313$35,367,470▲ $2,669,157
Total Liabilities and Net Assets / Fund Balance$232,247,256$233,310,109▲ $1,062,853

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$739,622$893,178$1,632,800
Other Land Buildings$76,128$551,897$628,025
Leasehold Improvements$149,994$256,692$406,686
Equipment$114,170$197,374$311,544
Land$50,600-$50,600
Compensation and Service Providers
Top Officer Pay37th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jennifer St PeterCEOFT$207,157$27,386$234,543
Jennifer GallantCFOFT$137,033-$137,033
Aubrey CarpeVP LendingFT$123,696-$123,696

Board Members and Trustees

NameTitle
David WellsChairperson
Thomas GardinerVice Chairperson
Mark KenneyDirector
Nick ManolakisDirector
Orette Ho SangDirector
Timothy P MorrowDirector
Cheryl ClapproodSecretary
Cornelius SullivanTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv INCPayment Processing ServicesPO BOX 934057, Atlanta, GA 31193-4057$477,856
Blue Cross And Blue Shield Of MassachsetHealth Insurance ServicesBOX 371318, Pittsburgh, PA 15250-7318$125,908
SourcepassIt Support And Cybersecurity ServicesPO BOX 248, East Northport, NY 11731$117,515
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,542,648
Investment Income
$3,049,551
Other Revenue
$22,523
Change in Net Assets
$2,459,412
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,857,618
Salaries, Compensation, and Employee Benefits$2,282,807
Grants and Similar Amounts Paid$14,885
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$3,105,417
Other Salaries and Wages---$1,484,439
Current Officers, Directors, Trustees, and Key Employees---$350,190
Office Expenses---$342,318
Occupancy---$180,914
Other Employee Benefits---$173,832
Pension Plan Contributions---$137,629
Payroll Taxes---$136,717
Fees for Services Accounting---$93,606
Fees for Services Legal---$88,903
Information Technology---$83,636
Depreciation Depletion---$68,379
Conferences and Meetings---$61,589
Insurance---$51,781
Advertising---$27,816
Fees for Services Other---$26,628
Grants to Domestic Individuals---$14,885
Other Expenses---$11,050
Total Functional Expenses$0$0$0$7,155,310
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
Member Deposit Accounts$196,539,354
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
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

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 approval of members - any changes to the incorporating documents, i.e. Bylaws are approved by the membership.”

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

“Organization's process to review from 990 - the ceo reviews prior to being filed. A copy is given to the audit committee and board of directors subsequent to filing.”

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

“Enforcement of conflicts policy directors and employees must read and sign annually.”

Form 990, Part VI, Section B, Line 15

“Compensation process for officers' compensation is based on industry data, competition, etc. And approval by the board of directors.”

Form 990, Part VI, Section C, Line 19

“Governing documents disclosure explanation information is posted in the credit union's lobby and available upon request.”

Filing and Contact Details

Filer

Filer Name
Greater Springfield Credit Union
EIN
04-1859290
Phone
4137823161
Address
1030 WILBRAHAM ROAD, SPRINGFIELD, MA 01109-2023

Signing Officer

Name
Jennifer St Peter
Title
CEO
Phone
4137823161
Signed
2025-11-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jennifer St Peter
Formed
1927
Legal Domicile
Ma
Voting Board Members
8
Independent Board Members
8
Employees
44
Volunteers
8

Preparer

Firm
Whittlesey Pc
Address
280 TRUMBULL ST 24TH FL, HARTFORD, CT 06103
Preparer
Thomas Goldfuss
Phone
8605223111
Raw XML AppendixShowing 400 of 439 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/Form990TFiledInd01
IRS990/FormationYr01927
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IRS990/FSAuditedInd00
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IRS990/GamingActivitiesInd00
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IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0241056
IRS990/GrossReceiptsAmt09894247
IRS990/GrossRentsGrp/RealAmt047400
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
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IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InsuranceGrp/TotalAmt051781
IRS990/InterestGrp/TotalAmt03105417
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt03056495
IRS990/InvestmentInJointVentureInd00
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IRS990/InvestmentsPubTradedSecGrp/EOYAmt057902370
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IRS990/LegalDomicileStateCd0MA
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IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt06648
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt06648
IRS990/MissionDesc0TO PROVIDE A FRIENDLY ATMOSPHERE FOR ITS MEMBERS IN WHICH THEY CAN CONDUCT THEIR FINANCIAL BUSINESS AND TO OFFER FAIR RATES FOR SAVINGS, LOANS AND OTHER SERVICES AS THEY BECOME AVAILABLE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt035367470
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-6944
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-6944
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt015875
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt015875
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0209745
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0180914
IRS990/OfficeExpensesGrp/TotalAmt0342318
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03977714
IRS990/OtherAssetsTotalGrp/EOYAmt03162766
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0173832
IRS990/OtherExpensesGrp/Desc0ATM NETWORK CHARGES
IRS990/OtherExpensesGrp/Desc1SERVICE CONTRACTS
IRS990/OtherExpensesGrp/Desc2NCUA ASSESSMENT
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
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IRS990/OtherExpensesGrp/TotalAmt1308308
IRS990/OtherExpensesGrp/TotalAmt230016
IRS990/OtherExpensesGrp/TotalAmt311050
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IRS990/OtherLiabilitiesGrp/EOYAmt0196539354
IRS990/OtherRevenueTotalAmt06648
IRS990/OtherSalariesAndWagesGrp/TotalAmt01484439
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0107567743
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0108136813
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0136717
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0137629
IRS990/PoliticalCampaignActyInd00
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0133475
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IRS990/ProgramServiceRevenueGrp/Desc1MEMBER SERVICE FEES
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11532552
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04984395
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11558253
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt025701
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt017125
IRS990/PYInvestmentIncomeAmt01751912
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IRS990/PYOtherRevenueAmt0485469
IRS990/PYProgramServiceRevenueAmt05828445
IRS990/PYRevenuesLessExpensesAmt02512132
IRS990/PYSalariesCompEmpBnftPaidAmt01953279
IRS990/PYTotalExpensesAmt05553694
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08065826
IRS990/ReconcilationRevenueExpnssAmt02459412
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt015875
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt032698313
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt035367470
IRS990/SavingsAndTempCashInvstGrp/BOYAmt064988563
IRS990/SavingsAndTempCashInvstGrp/EOYAmt061262989
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0739622
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0893178
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01632800
IRS990ScheduleD/EquipmentGrp/BookValueAmt0114170
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0197374
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0311544
IRS990ScheduleD/LandGrp/BookValueAmt050600
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt050600
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0149994
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0256692
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0406686
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt076128
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0551897
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0628025
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0196539354
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01130514
IRS990ScheduleD/TotalLiabilityAmt0196539354
IRS990ScheduleI/GrantRecordsMaintainedInd00
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt08000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SCHOLARSHIPS TO STUDENTS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/NonCashAssistanceDesc0SCHOLARSHIP FOR ACADEMIC ACHIEVEMENT
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt04
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/ValuationMethodUsedDesc0FMV
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/Form990OfOtherOrganizationsInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0207157
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount06000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt021386
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JENNIFER ST PETER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0234543
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CLASSES 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ELECTION OF MEMBERS AND THEIR RIGHTS - EACH MEMBER HAS A VOTE AT THE ELECTION OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DECISIONS SUBJECT TO APPROVAL OF MEMBERS - ANY CHANGES TO THE INCORPORATING DOCUMENTS, I.E. BYLAWS ARE APPROVED BY THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ORGANIZATION'S PROCESS TO REVIEW FROM 990 - THE CEO REVIEWS PRIOR TO BEING FILED. A COPY IS GIVEN TO THE AUDIT COMMITTEE AND BOARD OF DIRECTORS SUBSEQUENT TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ENFORCEMENT OF CONFLICTS POLICY DIRECTORS AND EMPLOYEES MUST READ AND SIGN ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION PROCESS FOR OFFICERS' COMPENSATION IS BASED ON INDUSTRY DATA, COMPETITION, ETC. AND APPROVAL BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS DISCLOSURE EXPLANATION INFORMATION IS POSTED IN THE CREDIT UNION'S LOBBY AND AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
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IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0232247256
IRS990/TotalAssetsEOYAmt0233310109
IRS990/TotalAssetsGrp/BOYAmt0232247256
IRS990/TotalAssetsGrp/EOYAmt0233310109
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt044
IRS990/TotalFunctionalExpensesGrp/TotalAmt07155310
IRS990/TotalGrossUBIAmt025701
IRS990/TotalLiabilitiesBOYAmt0199548943
IRS990/TotalLiabilitiesEOYAmt0197942639
IRS990/TotalLiabilitiesGrp/BOYAmt0199548943
IRS990/TotalLiabilitiesGrp/EOYAmt0197942639
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt032698313
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt035367470
IRS990/TotalOtherCompensationAmt021386
IRS990/TotalProgramServiceRevenueAmt06542648
IRS990/TotalReportableCompFromOrgAmt0473886
IRS990/TotalRevenueGrp/ExclusionAmt03063143
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt09614722
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt025701
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0232247256
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0233310109
IRS990/TotReportableCompRltdOrgAmt00

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