Civic Intelligence

Springfield St Railway Employees Credit Union

990 • Fiscal year 2021 • EIN 04-1859607

Jan 01, 2021 to Dec 31, 2021 • Filed on May 02, 2022

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

29th percentile

0.74x

Higher debt load relative to assets than 29% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Liabilities / Revenue

27th percentile

12.97x

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

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Net Margin

23rd percentile

-7.9%

Higher net margin than 23% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Top Officer Pay

71st percentile

$42,400

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 52.4% of source-year revenue.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Asset Growth

34th percentile

0.4%

Faster asset growth than 34% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Revenue Growth

42nd percentile

-8.9%

Faster revenue growth than 42% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets29th percentile

Assets

Up

$1,411,593

Up $5,993 (+0.4%) from 2020

Net Assets

Down

$361,769

Down $6,369 (-1.7%) from 2020

Liabilities

Up

$1,049,824

Up $12,362 (+1.2%) from 2020

Revenue And Expenses
Liabilities / Revenue27th percentileNet Margin23rd percentile

Revenue

Down

$80,966

Down $7,878 (-8.9%) from 2020

Expenses

Up

$87,335

Up $4,411 (+5.3%) from 2020

Net Income

Down

-$6,369

Down $12,289 (-208%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth34th 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

2021

Assets$1,411,593
Liabilities$1,049,824
Net Assets$361,769
Open 2021 Filing

Operations Trend

Revenue Growth42nd 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

2021

Revenue$80,966
Expenses$87,335
Net Income-$6,369
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
May 2, 2022
Return Version
2021v4.2
Gross Receipts
$80,966
Mission and Program Overview

Mission

Provide banking services for members

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$288,150$687,431▲ $399,281
Accounts Receivable$623,457$536,131▼ $87,326
Savings and Temporary Cash Investments$501,007$199,575▼ $301,432
Prepaid Expenses and Deferred Charges$3,769$2,292▼ $1,477
Other Notes and Loans Receivable, Net$-10,783$-13,836▼ $3,053
Total Assets$1,405,600$1,411,593▲ $5,993
Liabilities
Accounts Payable and Accrued Expenses$1,037,462$1,049,824▲ $12,362
Total Liabilities$1,037,462$1,049,824▲ $12,362
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$368,138$361,769▼ $6,369
Total Net Assets Fund Balance$368,138$361,769▼ $6,369
Total Liabilities and Net Assets / Fund Balance$1,405,600$1,411,593▲ $5,993

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$686-
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Walter KocorManager & DirectorFT$42,400$42,400
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
$78,784
Investment Income
$2,182
Other Revenue
$0
Change in Net Assets
$-6,369
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$58,855
Other Expenses$28,480
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$46,000--$46,000
Other Employee Benefits$8,667--$8,667
Other Expenses$6,268--$6,268
Fees for Services Accounting-$4,327-$4,327
Payroll Taxes$4,188--$4,188
Occupancy$4,104--$4,104
Interest$2,860--$2,860
Fees for Services Legal$1,743--$1,743
Office Expenses$1,599--$1,599
Fees for Services Other$540--$540
Total Functional Expenses$83,008$4,327$0$87,335
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
Daivd Tancrati
Title
President
Phone
4137814454
Signed
2022-05-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David Tancrati
Formed
1927
Legal Domicile
Ma
Voting Board Members
212
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
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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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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
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IRS990/TotalProgramServiceRevenueAmt078784
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ReturnHeader/BusinessOfficerGrp/SignatureDt02022-05-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SPRINGFIELD ST RAILWAY EMPLOYEES CREDIT UNION
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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/PreparationDt02022-05-09
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0THERESA H ROBERTSON
ReturnHeader/ReturnTs02022-05-09T18:02:07-04:00
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ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,411,593
Liabilities
$1,049,824
Net assets
$361,769
Revenue
$80,966
Expenses
$87,335
Net income
-$6,369
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