Civic Intelligence

Springfield St Railway Employees Credit Union

990 • Fiscal year 2015 • EIN 04-1859607

Jan 01, 2015 to Dec 31, 2015 • Filed on May 05, 2016

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

32nd percentile

0.78x

Higher debt load relative to assets than 32% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

34th percentile

13.47x

Higher debt load relative to revenue than 34% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Net Margin

63rd percentile

7.4%

Higher net margin than 63% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

69th percentile

$41,236

Higher top officer pay than 69% of similar nonprofits.

Top officer pay equals 45.0% of source-year revenue.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Asset Growth

60th percentile

2.2%

Faster asset growth than 60% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

33rd percentile

-4.8%

Faster revenue growth than 33% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Up

$1,591,088

Up $34,438 (+2.2%) from 2014

Net Assets

Up

$357,963

Up $6,744 (+1.9%) from 2014

Liabilities

Up

$1,233,125

Up $27,694 (+2.3%) from 2014

Revenue And Expenses
Liabilities / Revenue34th percentileNet Margin63rd percentile

Revenue

Down

$91,550

Down $4,638 (-4.8%) from 2014

Expenses

Up

$84,806

Up $2,780 (+3.4%) from 2014

Net Income

Down

$6,744

Down $7,418 (-52%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth60th 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

2015

Assets$1,591,088
Liabilities$1,233,125
Net Assets$357,963
Open 2015 Filing

Operations Trend

Revenue Growth33rd percentile

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

2015

Revenue$91,550
Expenses$84,806
Net Income$6,744
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 5, 2016
Return Version
2015v2.1
Gross Receipts
$91,550
Mission and Program Overview

Mission

Provide banking services for members

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$784,522$845,310▲ $60,788
Accounts Receivable$627,425$651,491▲ $24,066
Cash and Non-Interest-Bearing Accounts$157,629$101,963▼ $55,666
Land, Buildings, and Equipment, Net-$5,486-
Prepaid Expenses and Deferred Charges$4,082$3,846▼ $236
Other Notes and Loans Receivable, Net$-17,008$-17,008→ $0
Total Assets$1,556,650$1,591,088▲ $34,438
Liabilities
Accounts Payable and Accrued Expenses$1,205,431$1,233,125▲ $27,694
Total Liabilities$1,205,431$1,233,125▲ $27,694
Net Assets / Fund Balance
Unrestricted Net Assets$351,219$357,963▲ $6,744
Total Net Assets Fund Balance$351,219$357,963▲ $6,744
Total Liabilities and Net Assets / Fund Balance$1,556,650$1,591,088▲ $34,438

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$5,486--
Compensation and Service Providers
Top Officer Pay69th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Walter KocorManager & DirectorFT$41,236$41,236
David TancratiPresident-$3,600$3,600

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$84,591
Investment Income
$6,959
Other Revenue
$0
Change in Net Assets
$6,744
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$54,573
Other Expenses$30,233
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$44,836--$44,836
Interest$10,867--$10,867
Other Employee Benefits$6,092--$6,092
Occupancy$4,104--$4,104
Fees for Services Accounting-$4,035-$4,035
Payroll Taxes$3,645--$3,645
Information Technology$1,800--$1,800
Office Expenses$1,748--$1,748
Fees for Services Legal$1,642--$1,642
Other Expenses$1,139--$1,139
Fees for Services Other-$103-$103
Total Functional Expenses$80,668$4,138$0$84,806
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

Filer Name
Springfield St Railway Employees Credit Union
EIN
04-1859607
Address
640 PAGE BOULEVARD, SPRINGFIELD, MA 01104

Signing Officer

Name
David Tancrati
Title
President
Phone
4137814454
Signed
2016-05-05
Discuss with paid preparer
No

Organization Details

Principal Officer
David Tancrati
Formed
1927
Legal Domicile
Ma
Voting Board Members
235
Independent Board Members
0
Employees
2

Preparer

Firm
Accountaides Inc
Address
425 UNION STREET STE C7, West Springfield, MA 01089
Preparer
Theresa H Robertson
Phone
4137393411
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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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Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,591,088
Liabilities
$1,233,125
Net assets
$357,963
Revenue
$91,550
Expenses
$84,806
Net income
$6,744
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