Civic Intelligence

Springfield St Railway Employees Credit Union

990 • Fiscal year 2013 • EIN 04-1859607

Jan 01, 2013 to Dec 31, 2013 • Filed on May 13, 2014

Organization Profile
640 Page BoulevardSpringfield, MA 01104

(413) 781-4454

Siviq Scores

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

Liabilities / Assets

35th percentile

0.79x

Higher debt load relative to assets than 35% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

30th percentile

12.87x

Higher debt load relative to revenue than 30% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

78th percentile

13%

Higher net margin than 78% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

65th percentile

$40,040

Higher top officer pay than 65% of similar nonprofits.

Top officer pay equals 40.5% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

39th percentile

-2.1%

Faster asset growth than 39% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets35th percentile

Assets

Down

$1,610,210

Down $35,085 (-2.1%) from 2012

Net Assets

Up

$337,057

Up $13,173 (+4.1%) from 2012

Liabilities

Down

$1,273,153

Down $48,258 (-3.7%) from 2012

Revenue And Expenses
Liabilities / Revenue30th percentileNet Margin78th percentile

Revenue

$98,916

No earlier filing loaded for comparison.

Expenses

Up

$85,743

Up $48 (+0.1%) from 2012

Net Income

$13,173

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth39th percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2010: $1,573,914Liabilities 2010: $1,253,421Net Assets 2010: $320,4932010Assets 2011: $1,500,366Liabilities 2011: $1,189,210Net Assets 2011: $311,1562011Assets 2012: $1,645,295Liabilities 2012: $1,321,411Net Assets 2012: $323,8842012Assets 2013: $1,610,210Liabilities 2013: $1,273,153Net Assets 2013: $337,0572013Assets 2014: $1,556,650Liabilities 2014: $1,205,431Net Assets 2014: $351,2192014Assets 2015: $1,591,088Liabilities 2015: $1,233,125Net Assets 2015: $357,9632015Assets 2016: $1,558,795Liabilities 2016: $1,191,486Net Assets 2016: $367,3092016Assets 2017: $1,566,974Liabilities 2017: $1,196,390Net Assets 2017: $370,5842017Assets 2018: $1,575,190Liabilities 2018: $1,197,477Net Assets 2018: $377,7132018Assets 2019: $1,375,284Liabilities 2019: $1,013,066Net Assets 2019: $362,2182019Assets 2020: $1,405,600Liabilities 2020: $1,037,462Net Assets 2020: $368,1382020Assets 2021: $1,411,593Liabilities 2021: $1,049,824Net Assets 2021: $361,7692021Assets 2022: $1,412,170Liabilities 2022: $1,057,637Net Assets 2022: $354,5332022Assets 2023: $1,409,006Liabilities 2023: $1,080,672Net Assets 2023: $328,3342023Assets 2024: $1,173,205Liabilities 2024: $849,477Net Assets 2024: $323,7282024

Highlighted filing

2013

Assets$1,610,210
Liabilities$1,273,153
Net Assets$337,057
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150K$100K$50K$0-$50KExpenses 2010: $103,5552010Expenses 2011: $106,1922011Expenses 2012: $85,6952012Revenue 2013: $98,916Expenses 2013: $85,743Net Income 2013: $13,1732013Revenue 2014: $96,188Expenses 2014: $82,026Net Income 2014: $14,1622014Revenue 2015: $91,550Expenses 2015: $84,806Net Income 2015: $6,7442015Revenue 2016: $96,507Expenses 2016: $87,161Net Income 2016: $9,3462016Revenue 2017: $91,728Expenses 2017: $88,453Net Income 2017: $3,2752017Revenue 2018: $97,372Expenses 2018: $90,243Net Income 2018: $7,1292018Revenue 2019: $97,911Expenses 2019: $113,406Net Income 2019: -$15,4952019Revenue 2020: $88,844Expenses 2020: $82,924Net Income 2020: $5,9202020Revenue 2021: $80,966Expenses 2021: $87,335Net Income 2021: -$6,3692021Revenue 2022: $77,595Expenses 2022: $84,831Net Income 2022: -$7,2362022Revenue 2023: $86,903Expenses 2023: $113,102Net Income 2023: -$26,1992023Revenue 2024: $95,352Expenses 2024: $99,958Net Income 2024: -$4,6062024

Highlighted filing

2013

Revenue$98,916
Expenses$85,743
Net Income$13,173
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 13, 2014
Return Version
2013v3.1
Gross Receipts
$98,916
Mission and Program Overview

Mission

Provide banking services for members

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$879,415$778,991▼ $100,424
Accounts Receivable$706,276$701,641▼ $4,635
Cash and Non-Interest-Bearing Accounts$75,390$143,335▲ $67,945
Prepaid Expenses and Deferred Charges$5,174$4,776▼ $398
Other Notes and Loans Receivable, Net$-20,960$-18,533▲ $2,427
Total Assets$1,645,295$1,610,210▼ $35,085
Liabilities
Accounts Payable and Accrued Expenses$1,321,411$1,273,153▼ $48,258
Total Liabilities$1,321,411$1,273,153▼ $48,258
Net Assets / Fund Balance
Unrestricted Net Assets$323,884$337,057▲ $13,173
Total Net Assets Fund Balance$323,884$337,057▲ $13,173
Total Liabilities and Net Assets / Fund Balance$1,645,295$1,610,210▼ $35,085
Compensation and Service Providers
Top Officer Pay65th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Walter KocorManager & DirectorFT$40,040$40,040
David TancratiPresident-$3,600$3,600

Board Members and Trustees

NameTitle
Keith EllsworthVice President
Robert PaskinsDirector
John ColkosDirector Audit Committee
Renita BellDirector Audit Committee
Richard GardnerDirector Audit Committee
Judith RafteryAsst Treasurer
Harry RhodesTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$91,935
Investment Income
$6,981
Other Revenue
$0
Change in Net Assets
$13,173
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$52,856
Other Expenses$32,887
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$43,640--$43,640
Interest$11,463--$11,463
Other Employee Benefits$5,582--$5,582
Fees for Services Accounting-$4,035-$4,035
Payroll Taxes$3,634--$3,634
Occupancy$3,611--$3,611
Insurance$2,941--$2,941
Office Expenses$2,281--$2,281
Other Expenses$2,035--$2,035
Fees for Services Legal$1,709--$1,709
Fees for Services Other$1,082$282-$1,364
Total Functional Expenses$81,426$4,317$0$85,743
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“All members have voting rights”

Member election for additional members Part VI line 7A

“All members have the right to vote for the officers and directors”

Governing body decisions Part VI line 7B

“Governing body decisions are subject to member approval”

Form 990 governing body review Part VI line 11

“The governing body did not review the return prior to filing however it was reviewed by the signer”

Governing documents etc available to public Part VI line 19

“Governing documents are available upon request”

Filing and Contact Details

Filer

EIN
04-1859607

Signing Officer

Name
David Tancrati
Title
President
Phone
4137814454
Signed
2014-05-13
Discuss with paid preparer
No

Organization Details

Principal Officer
David Tancrati
Formed
1927
Legal Domicile
Ma
Voting Board Members
237
Independent Board Members
0
Employees
2

Preparer

Preparer
Theresa H Robertson
Phone
4137393411
Raw XML Appendix325 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01321411
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01273153
IRS990/AccountsReceivableGrp/BOYAmt0706276
IRS990/AccountsReceivableGrp/EOYAmt0701641
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PROVIDE BANKING SERVICES FOR MEMBERS
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0WALTER KOCOR
IRS990/BooksInCareOfDetail/PhoneNum04137814454
IRS990/BooksInCareOfDetail/USAddress/AddressLine10640 PAGE BOULEVARD
IRS990/BooksInCareOfDetail/USAddress/City0SPRINGFIELD
IRS990/BooksInCareOfDetail/USAddress/State0MA
IRS990/BooksInCareOfDetail/USAddress/ZIPCode001104
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt075390
IRS990/CashNonInterestBearingGrp/EOYAmt0143335
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt043640
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt043640
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt06981
IRS990/CYOtherExpensesAmt032887
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt091935
IRS990/CYRevenuesLessExpensesAmt013173
IRS990/CYSalariesCompEmpBnftPaidAmt052856
IRS990/CYTotalExpensesAmt085743
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt098916
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0PROVIDED BANKING SERVICES FOR OUR MEMBERS
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt081426
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt04035
IRS990/FeesForServicesAccountingGrp/TotalAmt04035
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt01709
IRS990/FeesForServicesLegalGrp/TotalAmt01709
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt0282
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt01082
IRS990/FeesForServicesOtherGrp/TotalAmt01364
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt03.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0DAVID TANCRATI
IRS990/Form990PartVIISectionAGrp/PersonNm1KEITH ELLSWORTH
IRS990/Form990PartVIISectionAGrp/PersonNm2JUDITH RAFTERY
IRS990/Form990PartVIISectionAGrp/PersonNm3JOHN COLKOS
IRS990/Form990PartVIISectionAGrp/PersonNm4HARRY RHODES
IRS990/Form990PartVIISectionAGrp/PersonNm5RENITA BELL
IRS990/Form990PartVIISectionAGrp/PersonNm6RICHARD GARDNER
IRS990/Form990PartVIISectionAGrp/PersonNm7ROBERT PASKINS
IRS990/Form990PartVIISectionAGrp/PersonNm8WALTER KOCOR
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt03600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt840040
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2ASST TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR AUDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR AUDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR AUDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8MANAGER & DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01927
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt0237
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt098916
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/ProgramServicesAmt02941
IRS990/InsuranceGrp/TotalAmt02941
IRS990/InterestGrp/ProgramServicesAmt011463
IRS990/InterestGrp/TotalAmt011463
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt06981
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt06981
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0MA
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0PROVIDE BANKING SERVICES FOR MEMBERS
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0323884
IRS990/NetAssetsOrFundBalancesEOYAmt0337057
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt03611
IRS990/OccupancyGrp/TotalAmt03611
IRS990/OfficeExpensesGrp/ProgramServicesAmt02281
IRS990/OfficeExpensesGrp/TotalAmt02281
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt05582
IRS990/OtherEmployeeBenefitsGrp/TotalAmt05582
IRS990/OtherExpensesGrp/Desc0TELEPHONE
IRS990/OtherExpensesGrp/Desc1FEES AND ASSESSMENTS
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS EXPENSE
IRS990/OtherExpensesGrp/ProgramServicesAmt01142
IRS990/OtherExpensesGrp/ProgramServicesAmt12306
IRS990/OtherExpensesGrp/ProgramServicesAmt22035
IRS990/OtherExpensesGrp/TotalAmt01142
IRS990/OtherExpensesGrp/TotalAmt12306
IRS990/OtherExpensesGrp/TotalAmt22035
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0-20960
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0-18533
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt03634
IRS990/PayrollTaxesGrp/TotalAmt03634
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt05174
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt04776
IRS990/PrincipalOfficerNm0DAVID TANCRATI
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0CREDIT UNION SERVICES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt091935
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt091935
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt08353
IRS990/PYOtherExpensesAmt033842
IRS990/PYProgramServiceRevenueAmt090070
IRS990/PYRevenuesLessExpensesAmt012728
IRS990/PYSalariesCompEmpBnftPaidAmt051853
IRS990/PYTotalExpensesAmt085695
IRS990/PYTotalRevenueAmt098423
IRS990/ReconcilationRevenueExpnssAmt013173
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0879415
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0778991
IRS990/ScheduleBRequiredInd0false
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL MEMBERS HAVE VOTING RIGHTS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL MEMBERS HAVE THE RIGHT TO VOTE FOR THE OFFICERS AND DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2GOVERNING BODY DECISIONS ARE SUBJECT TO MEMBER APPROVAL
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE GOVERNING BODY DID NOT REVIEW THE RETURN PRIOR TO FILING HOWEVER IT WAS REVIEWED BY THE SIGNER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01645295
IRS990/TotalAssetsEOYAmt01610210
IRS990/TotalAssetsGrp/BOYAmt01645295
IRS990/TotalAssetsGrp/EOYAmt01610210
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt04317
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt081426
IRS990/TotalFunctionalExpensesGrp/TotalAmt085743
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01321411
IRS990/TotalLiabilitiesEOYAmt01273153
IRS990/TotalLiabilitiesGrp/BOYAmt01321411
IRS990/TotalLiabilitiesGrp/EOYAmt01273153
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0323884
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0337057
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt081426
IRS990/TotalProgramServiceRevenueAmt091935
IRS990/TotalReportableCompFromOrgAmt043640
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt098916
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt098916
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01645295
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01610210
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0323884
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0337057
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt0237
IRS990/VotingMembersIndependentCnt00
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0DAVID TANCRATI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum04137814454
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine10SPRINGFIELD ST RAILWAY EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SPRI
ReturnHeader/Filer/EIN0041859607
ReturnHeader/Filer/USAddress/AddressLine10640 PAGE BOULEVARD
ReturnHeader/Filer/USAddress/City0SPRINGFIELD
ReturnHeader/Filer/USAddress/State0MA
ReturnHeader/Filer/USAddress/ZIPCode001104
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0042832894
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10ACCOUNTAIDES INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10425 UNION STREET STE C7
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0West Springfield
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode001089
ReturnHeader/PreparerPersonGrp/PhoneNum04137393411
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0THERESA H ROBERTSON
ReturnHeader/ReturnTs02014-05-14T19:32:22-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,610,210
Liabilities
$1,273,153
Net assets
$337,057
Revenue
$98,916
Expenses
$85,743
Net income
$13,173
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.17$0.85$0.32$0.10$0.10$0.00
2023Detailed filing. Detailed filing data is available for this year.$1.41$1.08$0.33$0.09$0.11$0.03
2022Detailed filing. Detailed filing data is available for this year.$1.41$1.06$0.35$0.08$0.08$0.01
2021Detailed filing. Detailed filing data is available for this year.$1.41$1.05$0.36$0.08$0.09$0.01
2020Detailed filing. Detailed filing data is available for this year.$1.41$1.04$0.37$0.09$0.08$0.01
2019Detailed filing. Detailed filing data is available for this year.$1.38$1.01$0.36$0.10$0.11$0.02
2018Detailed filing. Detailed filing data is available for this year.$1.58$1.20$0.38$0.10$0.09$0.01
2017Detailed filing. Detailed filing data is available for this year.$1.57$1.20$0.37$0.09$0.09$0.00
2016Detailed filing. Detailed filing data is available for this year.$1.56$1.19$0.37$0.10$0.09$0.01
2015Detailed filing. Detailed filing data is available for this year.$1.59$1.23$0.36$0.09$0.08$0.01
2014Detailed filing. Detailed filing data is available for this year.$1.56$1.21$0.35$0.10$0.08$0.01
2013Detailed filing. Detailed filing data is available for this year.$1.61$1.27$0.34$0.10$0.09$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.65$1.32$0.32$0.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.50$1.19$0.31$0.11
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.57$1.25$0.32$0.10