Liabilities / Assets
29th percentile
Higher debt load relative to assets than 29% of similar nonprofits.
990 • Fiscal year 2016 • EIN 04-1859290
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
29th percentile
Higher debt load relative to assets than 29% of similar nonprofits.
Liabilities / Revenue
92nd percentile
Higher debt load relative to revenue than 92% of similar nonprofits.
Net Margin
99th percentile
Higher net margin than 99% of similar nonprofits.
Top Officer Pay
8th percentile
Higher top officer pay than 8% of similar nonprofits.
Top officer pay equals 2.2% of source-year revenue.
Asset Growth
85th percentile
Faster asset growth than 85% of similar nonprofits.
Revenue Growth
62nd percentile
Faster revenue growth than 62% of similar nonprofits.
Assets
Up$159,401,475
Up $13,816,141 (+9.5%) from 2015
Net Assets
Up$20,097,862
Up $1,693,735 (+9.2%) from 2015
Liabilities
Up$139,303,613
Up $12,122,406 (+9.5%) from 2015
Revenue
Up$5,354,135
Up $365,443 (+7.3%) from 2015
Expenses
Down$3,139,702
Down $51,102 (-1.6%) from 2015
Net Income
Up$2,214,433
Up $416,545 (+23%) from 2015
Credit union - thrift services
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $73,914,121 | $77,170,872 | ▲ $3,256,751 |
| Savings and Temporary Cash Investments | $49,274,318 | $51,883,466 | ▲ $2,609,148 |
| Investments in Publicly Traded Securities | $17,129,397 | $24,679,679 | ▲ $7,550,282 |
| Rtn Earn Endowment Incm Other Fnds | $18,404,127 | $20,097,862 | ▲ $1,693,735 |
| Receivables From Officers Etc | $1,268,539 | $1,657,625 | ▲ $389,086 |
| Land, Buildings, and Equipment, Net | $1,464,442 | $1,383,584 | ▼ $80,858 |
| Cash and Non-Interest-Bearing Accounts | $789,763 | $723,340 | ▼ $66,423 |
| Investments Other Securities | $212,700 | $233,200 | ▲ $20,500 |
| Prepaid Expenses and Deferred Charges | $35,547 | $69,102 | ▲ $33,555 |
| Total Assets | $145,585,334 | $159,401,475 | ▲ $13,816,141 |
| Other Assets Total | $1,496,507 | $1,600,607 | ▲ $104,100 |
| Liabilities | |||
| Other Liabilities | $126,252,964 | $137,878,676 | ▲ $11,625,712 |
| Accounts Payable and Accrued Expenses | $442,767 | $922,325 | ▲ $479,558 |
| Escrow Account Liability | $485,476 | $502,612 | ▲ $17,136 |
| Total Liabilities | $127,181,207 | $139,303,613 | ▲ $12,122,406 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $18,404,127 | $20,097,862 | ▲ $1,693,735 |
| Total Liabilities and Net Assets / Fund Balance | $145,585,334 | $159,401,475 | ▲ $13,816,141 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,042,052 | $581,726 | $1,623,778 |
| Leasehold Improvements | $253,733 | $152,591 | $406,324 |
| Other Land Buildings | $19,266 | $379,766 | $399,032 |
| Equipment | $17,933 | $136,996 | $154,929 |
| Land | $50,600 | - | $50,600 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Jennifer St Peter | CEO | FT | $105,143 | $11,973 | $117,116 |
| Carolyn Couture | COO | FT | $76,407 | $24,252 | $100,659 |
| Diane Ulitsch | CFO | - | $55,980 | $16,532 | $72,512 |
| Name | Title |
|---|---|
| Thomas Gardiner | President |
| Cheryl Clapprood | Director |
| David Cleavall | Director |
| David a Wells | Director |
| John Turgeon | Director |
| Julia Lavoie | Director |
| Kenneth Gustafson | Director |
| Mielinda Phelps | Director |
| Thomas Sullivan | Director |
| Gary Rooke | Clerk |
| Cornelius Sullivan | Treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $1,976,937 |
| Salaries, Compensation, and Employee Benefits | $1,159,765 |
| Grants and Similar Amounts Paid | $3,000 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Interest | - | - | - | $917,152 |
| Other Salaries and Wages | - | - | - | $665,404 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $290,287 |
| Information Technology | - | - | - | $174,061 |
| Office Expenses | - | - | - | $150,765 |
| Occupancy | - | - | - | $108,100 |
| All Other Expenses | - | - | - | $87,328 |
| Pension Plan Contributions | - | - | - | $73,490 |
| Other Employee Benefits | - | - | - | $66,258 |
| Depreciation Depletion | - | - | - | $64,591 |
| Payroll Taxes | - | - | - | $64,326 |
| Other Expenses | - | - | - | $51,948 |
| Fees for Services Accounting | - | - | - | $40,049 |
| Conferences and Meetings | - | - | - | $37,945 |
| Insurance | - | - | - | $28,332 |
| Grants to Domestic Individuals | - | - | - | $3,000 |
| Travel | - | - | - | $1,379 |
| Advertising | - | - | - | $-9,015 |
| Total Functional Expenses | $0 | $0 | $0 | $3,139,702 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $1,268,539 | $1,657,625 | ▲ $389,086 |
| Liability | Amount |
|---|---|
| Member Deposit Accounts | $137,851,957 |
| Other Liabilities | $26,719 |
“Persons who meet the requirements of the organization's field of membership who hold at least one share of the capital.”
“Eah member has a vote at the election of the board of directors.”
“Any changes to the incorporating documents, i.e. Bylaws are approved by the membership”
“The ceo and cfo review prior to being filed. A copy is given to the audit committee and board of directors subsequent to filing.”
“Employees must read and sign annually.”
“Compensation is based on industry data, competition, etc. And approval by the board of directors.”
“Compensation is based on industry data, competition, etc. And approval by the board of directors.”
“Information is posted in the credit union's lobby and available upon request.”
“Mortgage escrow accounts held for the payment of real estate taxes for municipalities.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 442767 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 922325 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | CREDIT UNION - THRIFT SERVICES |
| IRS990/AdvertisingGrp/TotalAmt | 0 | -9015 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 87328 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | JENNIFER ST PETER |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine2Txt | 0 | JENNIFER ST PETER |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4137823161 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1030 WILBRAHAM ROAD |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine2Txt | 0 | 1030 WILBRAHAM ROAD |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | SPRINGFIELD |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 011092023 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 789763 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 723340 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 2 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 290287 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 37945 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 141107 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 128530 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 8500 GOVERNORS HILL DRIVE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 1 | 2650 THOUSND OAKS BLVD SUITE 1120 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | CINNCINATTI |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 1 | MEMPHIS |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | OH |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 1 | TN |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 45249 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 1 | 38101 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | VANTIV |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 1 | SHARE ONE |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | DEBIT CARDS |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | CORE DP |
| IRS990/CreditCounselingInd | 0 | true |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 3000 |
| IRS990/CYInvestmentIncomeAmt | 0 | 1221874 |
| IRS990/CYOtherExpensesAmt | 0 | 1976937 |
| IRS990/CYOtherRevenueAmt | 0 | 1228480 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 2903781 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 2214433 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1159765 |
| IRS990/CYTotalExpensesAmt | 0 | 3139702 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 5354135 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 64591 |
| IRS990/Desc | 0 | MAINTENANCE OF MEMBERS' ACCOUNTS AND THE PAYMENT OF INTEREST AND DIVIDENDS THEREON. NUMBER OF LOAN ACCOUNTS IS 2,927. NUMBER OF SHARE ACCOUNTS IS 20,110. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 24 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 485476 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 502612 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 40049 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 9.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 8.75 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.75 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 1.75 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 10 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 11973 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 24252 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 16532 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | CHERYL CLAPPROOD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | DAVID CLEAVALL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | THOMAS GARDINER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | KENNETH GUSTAFSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | JULIA LAVOIE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | MIELINDA PHELPS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | GARY ROOKE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | CORNELIUS SULLIVAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | THOMAS SULLIVAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | JOHN TURGEON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | DAVID A WELLS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | JENNIFER ST PETER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | CAROLYN COUTURE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | DIANE ULITSCH |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 105143 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 76407 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 55980 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | CLERK |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | COO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | CFO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/Form990TFiledInd | 0 | true |
| IRS990/FormationYr | 0 | 1927 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 11 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 3000 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 5389018 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 43200 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 11 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 174061 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 28332 |
| IRS990/InterestGrp/TotalAmt | 0 | 917152 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1221874 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1221874 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 212700 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 233200 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 17129397 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 24679679 |
| IRS990/IRPDocumentCnt | 0 | 3908 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1251079 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1464442 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1383584 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 2634663 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| IRS990/LessRentalExpensesGrp/RealAmt | 0 | 34883 |
| IRS990/LoanOutstandingInd | 0 | true |
| IRS990/LocalChaptersInd | 0 | true |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 23931 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 30243 |
| IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 6312 |
| IRS990/MissionDesc | 0 | CREDIT UNION - THRIFT SERVICES |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 18404127 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 20097862 |
| IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt | 0 | 8317 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 8317 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -17007 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -520698 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 108100 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 150765 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1496507 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1600607 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 66258 |
| IRS990/OtherExpensesGrp/Desc | 0 | ATM/DEBIT CARD |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 3 | SERVICE CONTRACTS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 209853 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 60000 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 54449 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 51948 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 126252964 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 137878676 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | FEE AND SERVICE CHARGES |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | ATM FEE INCOME |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | OTHER INCOME |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 665038 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 281283 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 2 | 243599 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 665038 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 281283 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 243599 |
| IRS990/OtherRevenueTotalAmt | 0 | 1220163 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 665404 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 73914121 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 77170872 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 64326 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 73490 |
| IRS990/PoliciesReferenceChaptersInd | 0 | true |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 35547 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 69102 |
| IRS990/PrincipalOfficerNm | 0 | JENNIFER ST PETER |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2903781 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 2903781 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 3000 |
| IRS990/PYInvestmentIncomeAmt | 0 | 1012852 |
| IRS990/PYOtherExpensesAmt | 0 | 2041782 |
| IRS990/PYOtherRevenueAmt | 0 | 1176060 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2799780 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1797888 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1146022 |
| IRS990/PYTotalExpensesAmt | 0 | 3190804 |
| IRS990/PYTotalRevenueAmt | 0 | 4988692 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 1268539 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 1657625 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 2214433 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 8317 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 18404127 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 20097862 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 49274318 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 51883466 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1042052 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 581726 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1623778 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 17933 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 136996 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 154929 |
| IRS990ScheduleD/ExplanationProvidedInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | true |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 50600 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 50600 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 253733 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 152591 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 406324 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 19266 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 379766 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 399032 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 137851957 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 26719 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER DEPOSIT ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | OTHER LIABILITIES |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | MORTGAGE ESCROW ACCOUNTS HELD FOR THE PAYMENT OF REAL ESTATE TAXES FOR MUNICIPALITIES. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | SCHEDULE D, PAGE 2, PART IV, LINE 2B |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1383584 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 137878676 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 234187 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 225474 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 2 | 215060 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 3 | 199120 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 4 | 154076 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 5 | 136203 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 6 | 134636 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 7 | 111377 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 8 | 43997 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 9 | 41992 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 10 | 28630 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 11 | 28132 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 12 | 26357 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 13 | 24807 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 14 | 14056 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 15 | 12445 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 16 | 8264 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 17 | 6826 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 18 | 4549 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 19 | 2666 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 20 | 1852 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 21 | 1500 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 22 | 1051 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 23 | 368 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 2 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 3 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 4 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 5 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 6 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 7 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 8 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 9 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 10 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 11 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 12 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 13 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 14 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 15 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 16 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 17 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 18 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 19 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 20 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 21 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 22 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 23 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 2 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 3 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 4 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 5 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 6 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 7 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 8 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 9 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 10 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 11 | false |
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Displayed year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.