Civic Intelligence

Springfield St Railway Employees Credit Union

990 • Fiscal year 2020 • EIN 04-1859607

Jan 01, 2020 to Dec 31, 2020 • Filed on May 13, 2021

Organization Profile
640 Page Boulevard Ste 102Springfield, MA 01104

(413) 781-4454

Siviq Scores

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

Liabilities / Assets

27th percentile

0.74x

Higher debt load relative to assets than 27% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Liabilities / Revenue

21st percentile

11.68x

Higher debt load relative to revenue than 21% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Net Margin

68th percentile

6.7%

Higher net margin than 68% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Top Officer Pay

70th percentile

$42,809

Higher top officer pay than 70% of similar nonprofits.

Top officer pay equals 48.2% of source-year revenue.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Asset Growth

36th percentile

2.2%

Faster asset growth than 36% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Revenue Growth

45th percentile

-9.3%

Faster revenue growth than 45% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets27th percentile

Assets

Up

$1,405,600

Up $30,316 (+2.2%) from 2019

Net Assets

Up

$368,138

Up $5,920 (+1.6%) from 2019

Liabilities

Up

$1,037,462

Up $24,396 (+2.4%) from 2019

Revenue And Expenses
Liabilities / Revenue21st percentileNet Margin68th percentile

Revenue

Down

$88,844

Down $9,067 (-9.3%) from 2019

Expenses

Down

$82,924

Down $30,482 (-27%) from 2019

Net Income

Up

$5,920

Up $21,415 (+138%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth36th 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

2020

Assets$1,405,600
Liabilities$1,037,462
Net Assets$368,138
Open 2020 Filing

Operations Trend

Revenue Growth45th 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

2020

Revenue$88,844
Expenses$82,924
Net Income$5,920
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
May 13, 2021
Return Version
2020v4.1
Gross Receipts
$88,844
Mission and Program Overview

Mission

Provide banking services for members

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$614,700$623,457▲ $8,757
Savings and Temporary Cash Investments$695,988$501,007▼ $194,981
Cash and Non-Interest-Bearing Accounts$76,925$288,150▲ $211,225
Prepaid Expenses and Deferred Charges$3,590$3,769▲ $179
Other Notes and Loans Receivable, Net$-15,919$-10,783▲ $5,136
Total Assets$1,375,284$1,405,600▲ $30,316
Liabilities
Accounts Payable and Accrued Expenses$1,013,066$1,037,462▲ $24,396
Total Liabilities$1,013,066$1,037,462▲ $24,396
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$362,218$368,138▲ $5,920
Total Net Assets Fund Balance$362,218$368,138▲ $5,920
Total Liabilities and Net Assets / Fund Balance$1,375,284$1,405,600▲ $30,316

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$686-
Compensation and Service Providers
Top Officer Pay70th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Walter KocorManager & DirectorFT$42,809$42,809
David TancratiPresident-$3,600$3,600

Board Members and Trustees

NameTitle
Keith EllsworthVice President
William WilliamsDirector
Renita BellDirector Audit Committee
Richard GardnerDirector Audit Committee
Robert PaskinsDirector Audit Committee
John ColkosClerk
Milton CarrasquilloClerk
Harry RhodesTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$82,088
Investment Income
$6,756
Other Revenue
$0
Change in Net Assets
$5,920
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$58,345
Other Expenses$24,579
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$46,409--$46,409
Other Employee Benefits$7,971--$7,971
Interest$6,530--$6,530
Fees for Services Accounting-$4,299-$4,299
Occupancy$4,104--$4,104
Payroll Taxes$3,965--$3,965
Fees for Services Legal$1,901--$1,901
Office Expenses$1,318--$1,318
Fees for Services Other$539--$539
Other Expenses$248--$248
Total Functional Expenses$78,625$4,299$0$82,924
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 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
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 STE 102, SPRINGFIELD, MA 01104

Signing Officer

Name
David Tancrati
Title
President
Phone
4137814454
Signed
2021-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David Tancrati
Formed
1927
Legal Domicile
Ma
Voting Board Members
216
Independent Board Members
0
Employees
2

Preparer

Firm
Accountaides Inc
Address
425 UNION STREET BOX 2, West Springfield, MA 01089
Preparer
Theresa H Robertson
Phone
4137393411
Raw XML Appendix353 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/BOYAmt01013066
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01037462
IRS990/AccountsReceivableGrp/BOYAmt0614700
IRS990/AccountsReceivableGrp/EOYAmt0623457
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PROVIDE BANKING SERVICES FOR MEMBERS
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0WALTER KOCOR
IRS990/BooksInCareOfDetail/PhoneNum04137814454
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0640 PAGE BOULEVARD
IRS990/BooksInCareOfDetail/USAddress/CityNm0SPRINGFIELD
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd001104
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt076925
IRS990/CashNonInterestBearingGrp/EOYAmt0288150
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt046409
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt046409
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt06756
IRS990/CYOtherExpensesAmt024579
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt082088
IRS990/CYRevenuesLessExpensesAmt05920
IRS990/CYSalariesCompEmpBnftPaidAmt058345
IRS990/CYTotalExpensesAmt082924
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt088844
IRS990/DAFExcessBusinessHoldingsInd0false
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/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt078625
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt04299
IRS990/FeesForServicesAccountingGrp/TotalAmt04299
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt01901
IRS990/FeesForServicesLegalGrp/TotalAmt01901
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt0539
IRS990/FeesForServicesOtherGrp/TotalAmt0539
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form1098CFiledInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form8899Filedind0false
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/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt13.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt82.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt92.00
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/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
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/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0WALTER KOCOR
IRS990/Form990PartVIISectionAGrp/PersonNm1DAVID TANCRATI
IRS990/Form990PartVIISectionAGrp/PersonNm2RENITA BELL
IRS990/Form990PartVIISectionAGrp/PersonNm3RICHARD GARDNER
IRS990/Form990PartVIISectionAGrp/PersonNm4ROBERT PASKINS
IRS990/Form990PartVIISectionAGrp/PersonNm5WILLIAM WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm6MILTON CARRASQUILLO
IRS990/Form990PartVIISectionAGrp/PersonNm7KEITH ELLSWORTH
IRS990/Form990PartVIISectionAGrp/PersonNm8JOHN COLKOS
IRS990/Form990PartVIISectionAGrp/PersonNm9HARRY RHODES
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt042809
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
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/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0MANAGER & DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR AUDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR AUDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR AUDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6CLERK
IRS990/Form990PartVIISectionAGrp/TitleTxt7VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt8CLERK
IRS990/Form990PartVIISectionAGrp/TitleTxt9TREASURER
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01927
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt0216
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt088844
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InterestGrp/ProgramServicesAmt06530
IRS990/InterestGrp/TotalAmt06530
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt06756
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt06756
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0686
IRS990/LandBldgEquipCostOrOtherBssAmt0686
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/NetAssetsOrFundBalancesBOYAmt0362218
IRS990/NetAssetsOrFundBalancesEOYAmt0368138
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0362218
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0368138
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt04104
IRS990/OccupancyGrp/TotalAmt04104
IRS990/OfficeExpensesGrp/ProgramServicesAmt01318
IRS990/OfficeExpensesGrp/TotalAmt01318
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt07971
IRS990/OtherEmployeeBenefitsGrp/TotalAmt07971
IRS990/OtherExpensesGrp/Desc0TELEPHONE
IRS990/OtherExpensesGrp/Desc1FEES AND ASSESSMENTS
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS EXPENSE
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/ProgramServicesAmt01355
IRS990/OtherExpensesGrp/ProgramServicesAmt13388
IRS990/OtherExpensesGrp/ProgramServicesAmt2897
IRS990/OtherExpensesGrp/ProgramServicesAmt3248
IRS990/OtherExpensesGrp/TotalAmt01355
IRS990/OtherExpensesGrp/TotalAmt13388
IRS990/OtherExpensesGrp/TotalAmt2897
IRS990/OtherExpensesGrp/TotalAmt3248
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0-15919
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0-10783
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt03965
IRS990/PayrollTaxesGrp/TotalAmt03965
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt03590
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt03769
IRS990/PrincipalOfficerNm0DAVID TANCRATI
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0CREDIT UNION SERVICES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt082088
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt082088
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt012377
IRS990/PYOtherExpensesAmt052085
IRS990/PYProgramServiceRevenueAmt085534
IRS990/PYRevenuesLessExpensesAmt0-15495
IRS990/PYSalariesCompEmpBnftPaidAmt061321
IRS990/PYTotalExpensesAmt0113406
IRS990/PYTotalRevenueAmt097911
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt05920
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0695988
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0501007
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0686
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0686
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/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01375284
IRS990/TotalAssetsEOYAmt01405600
IRS990/TotalAssetsGrp/BOYAmt01375284
IRS990/TotalAssetsGrp/EOYAmt01405600
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt04299
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt078625
IRS990/TotalFunctionalExpensesGrp/TotalAmt082924
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01013066
IRS990/TotalLiabilitiesEOYAmt01037462
IRS990/TotalLiabilitiesGrp/BOYAmt01013066
IRS990/TotalLiabilitiesGrp/EOYAmt01037462
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0362218
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0368138
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt078625
IRS990/TotalProgramServiceRevenueAmt082088
IRS990/TotalReportableCompFromOrgAmt046409
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt088844
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt088844
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01375284
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01405600
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt0216
IRS990/VotingMembersIndependentCnt00
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd000
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd00
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DAVID TANCRATI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum04137814454
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SPRINGFIELD ST RAILWAY EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SPRI
ReturnHeader/Filer/EIN0041859607
ReturnHeader/Filer/USAddress/AddressLine1Txt0640 PAGE BOULEVARD STE 102
ReturnHeader/Filer/USAddress/CityNm0SPRINGFIELD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001104
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0042832894
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ACCOUNTAIDES INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0425 UNION STREET BOX 2
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0West Springfield
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd001089
ReturnHeader/PreparerPersonGrp/PhoneNum04137393411
ReturnHeader/PreparerPersonGrp/PreparationDt02021-05-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0THERESA H ROBERTSON
ReturnHeader/ReturnTs02021-05-11T19:22:07-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0DAVID
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0TANCRATI
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,405,600
Liabilities
$1,037,462
Net assets
$368,138
Revenue
$88,844
Expenses
$82,924
Net income
$5,920
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