Liabilities / Assets
72nd percentile
Higher debt load relative to assets than 72% of similar nonprofits.
Stcu Credit Union
EIN 04-1859690 • 501(c)14 • Springfield, MA
Profile
Assist our members in reaching their financial goals by providing superior products and services in a personalized manner.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.91x
Liabilities / Revenue
84th percentile
Higher debt load relative to revenue than 84% of similar nonprofits.
Net Margin
22nd percentile
Higher net margin than 22% of similar nonprofits.
Top Officer Pay
Score unavailable
No filing with officer rows is available for this organization yet.
Asset Growth
54th percentile
Faster asset growth than 54% of similar nonprofits.
Revenue Growth
35th percentile
Faster revenue growth than 35% of similar nonprofits.
Balance Sheet
Assets
Up$148,969,844
Up $10,060,926 (+7.2%) from 2023
Liabilities
Up$136,547,616
Up $10,066,458 (+8.0%) from 2023
Net Assets
Down$12,422,228
Down $5,532 (-0.0%) from 2023
Revenue
Up$6,925,963
Up $927,757 (+15%) from 2023
Expenses
Up$7,110,615
Up $1,385,547 (+24%) from 2023
Net Income
Down-$184,652
Down $457,790 (-168%) from 2023
Trend Graphs
Filings
Most recent year
2024 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $148,969,844
- Liabilities
- $136,547,616
- Net assets
- $12,422,228
- Revenue
- $6,925,963
- Expenses
- $7,110,615
- Net income
- -$184,652
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2024 to Dec 31, 2024
- Signed
- Mar 6, 2025
- Return Version
- 2024v5.0
- Gross Receipts
- $6,925,963
Mission and Program Overview
Mission
Assist our members in reaching their financial goals by providing superior products and services in a personalized manner.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $103,586,952 | $110,143,711 | ▲ $6,556,759 |
| Investments Other Securities | $17,856,367 | $17,804,677 | ▼ $51,690 |
| Rtn Earn Endowment Incm Other Fnds | $12,427,760 | $12,422,228 | ▼ $5,532 |
| Investments in Publicly Traded Securities | $7,900,507 | $6,320,310 | ▼ $1,580,197 |
| Savings and Temporary Cash Investments | $1,297,652 | $6,021,150 | ▲ $4,723,498 |
| Land, Buildings, and Equipment, Net | $2,882,866 | $2,752,662 | ▼ $130,204 |
| Receivables From Officers Etc | $2,338,560 | $2,417,353 | ▲ $78,793 |
| Cash and Non-Interest-Bearing Accounts | $668,451 | $955,219 | ▲ $286,768 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $138,908,918 | $148,969,844 | ▲ $10,060,926 |
| Other Assets Total | $2,377,563 | $2,554,762 | ▲ $177,199 |
| Liabilities | |||
| Other Liabilities | $114,793,649 | $122,343,660 | ▲ $7,550,011 |
| Mortgage Notes Payable Secured by Investment Property | $10,575,000 | $13,365,223 | ▲ $2,790,223 |
| Escrow Account Liability | $408,727 | $441,803 | ▲ $33,076 |
| Accounts Payable and Accrued Expenses | $703,782 | $396,930 | ▼ $306,852 |
| Total Liabilities | $126,481,158 | $136,547,616 | ▲ $10,066,458 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $12,427,760 | $12,422,228 | ▼ $5,532 |
| Total Liabilities and Net Assets / Fund Balance | $138,908,918 | $148,969,844 | ▲ $10,060,926 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,484,633 | $2,470,400 | $3,955,033 |
| Equipment | $603,564 | $946,193 | $1,549,757 |
| Land | $664,465 | - | $664,465 |
| Other Securities | $325,010 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Michael Ostrowski | President and CEO | FT | $244,977 | $55,622 | $300,599 |
| Robert Ciraco | Executive Vice President, | FT | $144,587 | $38,243 | $182,830 |
| Alison Harland | Vice President of Operatio | FT | $126,358 | $22,350 | $148,708 |
| Anthony Franco | Vice President Commercial | FT | $117,384 | $26,430 | $143,814 |
Board Members and Trustees
| Name | Title |
|---|---|
| Todd Cieplinski | Chairman |
| Christopher Thompson | Vice Chairman |
| Cort Duda | Director |
| Dhaval Patel | Director |
| Jodi Turati | Director |
| Peter Alberici | Director |
| Peter Lappin | Director |
| Robert Mazur | Assistant Treasurer |
| Elizabeth Lewis | Secretary |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $5,859,247
- Investment Income
- $958,346
- Other Revenue
- $108,370
- Change in Net Assets
- $-184,652
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $6,925,963
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $0
- Total Revenue per Audited Statements
- $6,925,963
- Total Revenue per Form 990
- $6,925,963
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $4,777,111 |
| Salaries, Compensation, and Employee Benefits | $2,333,504 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Interest | - | - | - | $2,281,505 |
| Other Salaries and Wages | - | - | - | $1,201,874 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $775,951 |
| Occupancy | - | - | - | $259,105 |
| Office Expenses | - | - | - | $242,979 |
| Depreciation Depletion | - | - | - | $240,022 |
| Fees for Services Accounting | - | - | - | $210,935 |
| Other Employee Benefits | - | - | - | $178,514 |
| Advertising | - | - | - | $178,453 |
| Payroll Taxes | - | - | - | $152,932 |
| Other Expenses | - | - | - | $111,889 |
| Travel | - | - | - | $96,096 |
| Fees for Services Legal | - | - | - | $49,662 |
| Fees for Services Other | - | - | - | $45,610 |
| Pension Plan Contributions | - | - | - | $24,233 |
| Conferences and Meetings | - | - | - | $2,400 |
| Total Functional Expenses | $0 | $0 | $0 | $7,110,615 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $7,110,615 |
| Total Expenses per Audited Statements | $7,110,615 |
| Total Expenses per Form 990 | $7,110,615 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Insider Transactions and Loans
Loans and Receivables
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $2,338,560 | $2,417,353 | ▲ $78,793 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Deposits | $112,994,617 |
| Non-member Deposits | $9,349,043 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- Yes
- 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
- Yes
- Other officer compensation reviewed
- Yes
- Conflict-of-interest policy
- Yes
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- Yes
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, Line 6
“Depositors with a minimum balance of $25 in their savings account are members.”
Form 990, Part VI, Section A, Line 7A
“The board of directors are voted by the members at the annual meeting.”
Form 990, Part VI, Section A, Line 7B
“Election of directors, charter changes and mergers require a vote by the members in person.”
Form 990, Part VI, Section B, Line 11B
“The board of directors has delegated authority for the review of the form 990 to the chief financial officer (cfo) and chief executive officer (ceo). The cfo engages the services of an independent accounting firm for the preparation of the form 990. Upon completion, the form 990 is reviewed by the cfo and ceo, signed by the ceo and filed with the irs. A copy of the form 990 is provided to the board of directors for their review after the form 990 has been filed.”
Form 990, Part VI, Section B, Line 12C
“The board of directors annually must complete an conflicts of interest form and disclose whether any conflicts are present. In addition, management monitors the accounts payable vendors each month for entities known to be related to board members. Management also requests that a board member abstain from voting when a related party is involved in the pending transaction.”
Form 990, Part VI, Section B, Line 15
“The credit union uses compensation survey's for general pay scales and for comparable compensation for similar persons. The board of directors are required to approve the compensation agreements at meetings of which records are kept.”
Form 990, Part VI, Section C, Line 19
“Financial statements are posted monthly in the lobby of the credit union. The credit union does not make its governing documents and conflict of interest policy available to the general public.”
Filing and Contact Details
Filer
- Filer Name
- Arrha Credit Union
- EIN
- 04-1859690
- Phone
- 8777329812
- Address
- 145 INDUSTRY AVENUE, SPRINGFIELD, MA 01104
Signing Officer
- Name
- Michael S Ostrowski
- Title
- CEO
- Phone
- 8777329812
- Signed
- 2025-03-06
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Michael S Ostrowski
- Formed
- 1929
- Legal Domicile
- Ma
- Voting Board Members
- 9
- Independent Board Members
- 9
- Employees
- 35
- Volunteers
- 9
Preparer
- Firm
- Gt Reilly & Company
- Address
- 424 ADAMS STREET, MILTON, MA 02186
- Preparer
- David Keyo Jr CPA
- Phone
- 6176968900
Supplemental Narrative
Additional Explanations
Form 990, Part XII, Line 2C
“The audit committee is responsible for the approval and selection of the independent auditors. The audit committee oversees the audit process and approves the audited financial statements on behalf of the credit union.”
Schedule L, Part V, (C)
“The employer has paid one or more premiums into a life insurance policy owned by the employee. The premiums are treated for tax purposes as nonrecourse split dollar loans under 29 c.f.r. Section 1.7872-15. The employer and employee represent that a reasonable person would expect that the employer will be paid all of its premium payments.”
Raw XML AppendixShowing 400 of 486 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.
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| IRS990/Desc | 0 | THE CREDIT UNION IS COOPERATIVE OWNED AND DEDICATED TO SERVING ITS MEMBERS. AT 12/31/24, THE CREDIT UNION HAS $102,885,167 AND $7,535,646 IN LOANS TO MEMBERS AND NON-MEMBERS, RESPECTIVELY. IN ADDITION, AT 12/31/24, THE CREDIT UNION HAS $112,994,617 AND $9,349,043 IN DEPOSITS AND SHARE ACCOUNTS FROM MEMBERS AND NON-MEMBERS, RESPECTIVELY. |
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| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 6925963 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 4 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InterestGrp/TotalAmt | 0 | 2281505 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 958346 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 958346 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 17856367 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 17804677 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 7900507 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 6320310 |
| IRS990/IRPDocumentCnt | 0 | 1178 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 3416593 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 2882866 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 2752662 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 6169255 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| IRS990/LoanOutstandingInd | 0 | 1 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | ASSIST OUR MEMBERS IN REACHING THEIR FINANCIAL GOALS BY PROVIDING SUPERIOR PRODUCTS AND SERVICES IN A PERSONALIZED MANNER. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 10575000 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 13365223 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 12427760 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 12422228 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 179120 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 259105 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 242979 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 2377563 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 2554762 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 178514 |
| IRS990/OtherExpensesGrp/Desc | 0 | DATA PROCESSING |
| IRS990/OtherExpensesGrp/Desc | 1 | ATM EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 2 | OTHER EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 3 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 668362 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 197028 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 193065 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 111889 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 114793649 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 122343660 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 524298 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | MISC. INCOME |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 108370 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 108370 |
| IRS990/OtherRevenueTotalAmt | 0 | 108370 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1201874 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 103586952 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 110143711 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 152932 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 24233 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrincipalOfficerNm | 0 | MICHAEL S OSTROWSKI |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | MEMBER SERVICE FEES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4885386 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 973861 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 4885386 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 973861 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 791450 |
| IRS990/PYOtherExpensesAmt | 0 | 3373465 |
| IRS990/PYOtherRevenueAmt | 0 | 137712 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 5069044 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 273138 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2351603 |
| IRS990/PYTotalExpensesAmt | 0 | 5725068 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 5998206 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 2338560 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 2417353 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -184652 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 0 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 5967617 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 12427760 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 12422228 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 1297652 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 6021150 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1484633 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 2470400 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 3955033 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 603564 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 946193 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1549757 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 7110615 |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 1 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 664465 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 664465 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 112994617 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 9349043 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER DEPOSITS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | NON-MEMBER DEPOSITS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 16403000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 367500 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 648200 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 3 | 5967 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 4 | 55000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 5 | 325010 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | CERTIFICATES OF DEPOSIT |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | CORPORATE CREDIT UNION MEMBERSHIP CAPITAL |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | FHLB CAPITAL STOCK |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 3 | INVESTMENT IN CUSO |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 4 | COCC COMMON STOCK |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 5 | CENTRAL LIQUIDITY FUND STOCK |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 4 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 5 | C |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 6925963 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 2752662 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 17804677 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 7110615 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 122343660 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 6925963 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 6925963 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 7110615 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 244977 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 144587 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 535 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 1 | 653 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 19832 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 1 | 10299 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 22292 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 1 | 27291 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 12963 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | MICHAEL OSTROWSKI |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 1 | ROBERT CIRACO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT AND CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 1 | EXECUTIVE VICE PRESIDENT, |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 300599 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 1 | 182830 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | IN SEPTEMBER 2015, THE CREDIT UNION ENTERED INTO A SPLIT DOLLAR LOAN AGREEMENT WITH A MEMBER OF THE EXECUTIVE MANAGEMENT TEAM. THE POLICY IS OWNED BY THE EXECUTIVE WHO HAS SOLE CONTROL OVER THE LISTED BENEFICIARIES. AT THE TIME OF THE EXECUTIVE'S DEATH, THE UNPAID PRINCIPAL AND INTEREST BECOME DUE AND PAYABLE AND WILL BE PAID WITH THE DEATH BENEFIT OF THE LIFE INSURANCE POLICY. THE BENEFIT TO BE PROVIDED TO THE EXECUTIVE IS SUBJECT TO A VESTING SCHEDULE AS DEFINED IN THE AGREEMENT. |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | SCHEDULE J, PART 1, LINE 4B |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 1 |
| IRS990ScheduleJ/WrittenEmploymentContractInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 2417353 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | SEE SCHEDULE O |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 2500000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | MICHAEL OSTROWSKI |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | PRESIDENT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | 1 |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 2417353 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | DEPOSITORS WITH A MINIMUM BALANCE OF $25 IN THEIR SAVINGS ACCOUNT ARE MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE BOARD OF DIRECTORS ARE VOTED BY THE MEMBERS AT THE ANNUAL MEETING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | ELECTION OF DIRECTORS, CHARTER CHANGES AND MERGERS REQUIRE A VOTE BY THE MEMBERS IN PERSON. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE BOARD OF DIRECTORS HAS DELEGATED AUTHORITY FOR THE REVIEW OF THE FORM 990 TO THE CHIEF FINANCIAL OFFICER (CFO) AND CHIEF EXECUTIVE OFFICER (CEO). THE CFO ENGAGES THE SERVICES OF AN INDEPENDENT ACCOUNTING FIRM FOR THE PREPARATION OF THE FORM 990. UPON COMPLETION, THE FORM 990 IS REVIEWED BY THE CFO AND CEO, SIGNED BY THE CEO AND FILED WITH THE IRS. A COPY OF THE FORM 990 IS PROVIDED TO THE BOARD OF DIRECTORS FOR THEIR REVIEW AFTER THE FORM 990 HAS BEEN FILED. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE BOARD OF DIRECTORS ANNUALLY MUST COMPLETE AN CONFLICTS OF INTEREST FORM AND DISCLOSE WHETHER ANY CONFLICTS ARE PRESENT. IN ADDITION, MANAGEMENT MONITORS THE ACCOUNTS PAYABLE VENDORS EACH MONTH FOR ENTITIES KNOWN TO BE RELATED TO BOARD MEMBERS. MANAGEMENT ALSO REQUESTS THAT A BOARD MEMBER ABSTAIN FROM VOTING WHEN A RELATED PARTY IS INVOLVED IN THE PENDING TRANSACTION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE CREDIT UNION USES COMPENSATION SURVEY'S FOR GENERAL PAY SCALES AND FOR COMPARABLE COMPENSATION FOR SIMILAR PERSONS. THE BOARD OF DIRECTORS ARE REQUIRED TO APPROVE THE COMPENSATION AGREEMENTS AT MEETINGS OF WHICH RECORDS ARE KEPT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | FINANCIAL STATEMENTS ARE POSTED MONTHLY IN THE LOBBY OF THE CREDIT UNION. THE CREDIT UNION DOES NOT MAKE ITS GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY AVAILABLE TO THE GENERAL PUBLIC. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE AUDIT COMMITTEE IS RESPONSIBLE FOR THE APPROVAL AND SELECTION OF THE INDEPENDENT AUDITORS. THE AUDIT COMMITTEE OVERSEES THE AUDIT PROCESS AND APPROVES THE AUDITED FINANCIAL STATEMENTS ON BEHALF OF THE CREDIT UNION. |
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