Liabilities / Assets
86th percentile
Higher debt load relative to assets than 86% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.92x
Liabilities / Revenue
84th percentile
Higher debt load relative to revenue than 84% of similar nonprofits.
Net Margin
6th percentile
Higher net margin than 6% of similar nonprofits.
Top Officer Pay
41st percentile
Higher top officer pay than 41% of similar nonprofits.
Top officer pay equals 3.8% of source-year revenue.
Asset Growth
15th percentile
Faster asset growth than 15% of similar nonprofits.
Revenue Growth
18th percentile
Faster revenue growth than 18% of similar nonprofits.
Balance Sheet
Assets
Up$129,895,386
Up $227,721 (+0.2%) from 2016
Net Assets
Down$10,892,689
Down $30,055 (-0.3%) from 2016
Liabilities
Up$119,002,697
Up $257,776 (+0.2%) from 2016
Revenue And Expenses
Revenue
Up$5,176,938
Up $74,851 (+1.5%) from 2016
Expenses
Up$5,288,279
Up $272,000 (+5.4%) from 2016
Net Income
Down-$111,341
Down $197,149 (-230%) from 2016
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2017 to Dec 31, 2017
- Signed
- Mar 7, 2018
- Return Version
- 2017v2.2
- Gross Receipts
- $7,327,691
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 | $83,665,108 | $86,084,796 | ▲ $2,419,688 |
| Investments Other Securities | $31,292,903 | $27,865,834 | ▼ $3,427,069 |
| Rtn Earn Endowment Incm Other Fnds | $10,922,744 | $10,892,689 | ▼ $30,055 |
| Investments in Publicly Traded Securities | $7,757,580 | $8,515,361 | ▲ $757,781 |
| Land, Buildings, and Equipment, Net | $2,888,398 | $2,935,309 | ▲ $46,911 |
| Savings and Temporary Cash Investments | $1,312,196 | $1,403,165 | ▲ $90,969 |
| Cash and Non-Interest-Bearing Accounts | $696,049 | $696,781 | ▲ $732 |
| Receivables From Officers Etc | $285,108 | $485,881 | ▲ $200,773 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $129,667,665 | $129,895,386 | ▲ $227,721 |
| Other Assets Total | $1,770,323 | $1,908,259 | ▲ $137,936 |
| Liabilities | |||
| Other Liabilities | $117,310,266 | $110,354,860 | ▼ $6,955,406 |
| Mortgage Notes Payable Secured by Investment Property | $500,000 | $7,500,000 | ▲ $7,000,000 |
| Accounts Payable and Accrued Expenses | $538,159 | $724,257 | ▲ $186,098 |
| Escrow Account Liability | $396,496 | $423,580 | ▲ $27,084 |
| Total Liabilities | $118,744,921 | $119,002,697 | ▲ $257,776 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $10,922,744 | $10,892,689 | ▼ $30,055 |
| Total Liabilities and Net Assets / Fund Balance | $129,667,665 | $129,895,386 | ▲ $227,721 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,907,471 | $1,748,629 | $3,656,100 |
| Equipment | $437,173 | $1,290,051 | $1,727,224 |
| Land | $590,665 | - | $590,665 |
| Leasehold Improvements | $0 | $17,437 | $17,437 |
| Other Securities | $5,200 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Michael Ostrowski | President and CEO | FT | $169,068 | $26,000 | $195,068 |
| Jennifer Beylard | Vice President of Operatio | FT | $84,523 | $15,616 | $100,139 |
| John Lund | CFO | FT | $84,691 | $10,236 | $94,927 |
Board Members and Trustees
| Name | Title |
|---|---|
| Bradford Campbell | Chairman |
| Bryan Kaye | Vice Chairman |
| Erin Panteleakis | Director |
| Fred Blanchard | Director |
| Michelle Cove | Director |
| Peter Lappin | Director |
| Robin Bailey-sanchez | Director |
| Roland Joyal | Director |
| Todd Cieplinski | Director |
| Nicholas Lapier | Assistant Treasurer |
| Justin Hurst | Secretary |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $4,303,818
- Investment Income
- $794,006
- Other Revenue
- $79,114
- Change in Net Assets
- $-111,341
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $5,176,938
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $0
- Total Revenue per Audited Statements
- $5,176,938
- Total Revenue per Form 990
- $5,176,938
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $3,130,406 |
| Salaries, Compensation, and Employee Benefits | $2,157,873 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,148,305 |
| Interest | - | - | - | $753,430 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $565,788 |
| Occupancy | - | - | - | $271,579 |
| Office Expenses | - | - | - | $264,329 |
| Other Employee Benefits | - | - | - | $238,090 |
| Depreciation Depletion | - | - | - | $209,186 |
| Other Expenses | - | - | - | $151,356 |
| Payroll Taxes | - | - | - | $147,364 |
| Advertising | - | - | - | $138,024 |
| Fees for Services Other | - | - | - | $125,087 |
| Fees for Services Accounting | - | - | - | $102,125 |
| Pension Plan Contributions | - | - | - | $58,326 |
| Travel | - | - | - | $57,090 |
| All Other Expenses | - | - | - | $50,660 |
| Fees for Services Legal | - | - | - | $26,283 |
| Conferences and Meetings | - | - | - | $8,259 |
| Total Functional Expenses | $0 | $0 | $0 | $5,288,279 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $5,288,279 |
| Total Expenses per Audited Statements | $5,288,279 |
| Total Expenses per Form 990 | $5,288,279 |
| 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 | $285,108 | $485,881 | ▲ $200,773 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Deposits | $110,354,860 |
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 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
“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.”
Form 990, Part VI, Line 12C
“The board of directors annually must disclose any conflicts of interest on an annual basis.”
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
- 2018-03-07
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Michael S Ostrowski
- Formed
- 1929
- Legal Domicile
- Ma
- Voting Board Members
- 11
- Independent Board Members
- 11
- Employees
- 46
- Volunteers
- 0
Preparer
- Firm
- Gt Reilly & Company
- Address
- 424 ADAMS STREET, MILTON, MA 02186
- Preparer
- Caleb Dean 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 487 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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|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 724257 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | ASSIST OUR MEMBERS IN REACHING THEIR FINANCIAL GOALS BY PROVIDING SUPERIOR PRODUCTS AND SERVICES IN A PERSONALIZED MANNER. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 138024 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 50660 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | JOHN T LUND |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4137329812 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 145 INDUSTRY AVENUE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | SPRINGFIELD |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 01104 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
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| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 696049 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 696781 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 565788 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 8259 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 794006 |
| IRS990/CYOtherExpensesAmt | 0 | 3130406 |
| IRS990/CYOtherRevenueAmt | 0 | 79114 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 4303818 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -111341 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 2157873 |
| IRS990/CYTotalExpensesAmt | 0 | 5288279 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 5176938 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 209186 |
| IRS990/Desc | 0 | THE CREDIT UNION IS COOPERATIVE OWNED AND DEDICATED TO SERVING ITS MEMBERS. AT 12/31/17, THE CREDIT UNION HAS $85,171,483 AND $1,137,935 IN LOANS TO MEMBERS AND NON-MEMBERS, RESPECITVELY. IN ADDITION, AT 12/31/17, THE CREDIT UNION HAS $110,354,860 IN DEPOSITS AND SHARE ACCOUNTS FROM MEMBERS. |
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| IRS990/DisregardedEntityInd | 0 | 0 |
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| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 46 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
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| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 423580 |
| IRS990/ExpenseAmt | 0 | 5288279 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 102125 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 26283 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 125087 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 5.00 |
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| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 40.00 |
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| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
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| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
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| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 10 | X |
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| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
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| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | X |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | BRYAN KAYE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | NICHOLAS LAPIER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | JUSTIN HURST |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | MICHELLE COVE |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | MICHAEL OSTROWSKI |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | VICE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | ASSISTANT TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | VICE PRESIDENT OF OPERATIO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | PRESIDENT AND CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/FormationYr | 0 | 1929 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 50448 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 11 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 2201201 |
| IRS990/GrossReceiptsAmt | 0 | 7327691 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 11 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InterestGrp/TotalAmt | 0 | 753430 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 743558 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 743558 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 31292903 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 27865834 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 7757580 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 8515361 |
| IRS990/IRPDocumentCnt | 0 | 1545 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 3056117 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 2888398 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 2935309 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 5991426 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 2150753 |
| 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 | 500000 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 7500000 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 10922744 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 10892689 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 50448 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 50448 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 81286 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 271579 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 264329 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1770323 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1908259 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 238090 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | DATA PROCESSING |
| IRS990/OtherExpensesGrp/Desc | 2 | ATM EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 3 | OTHER EXPENSES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 368353 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 366742 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 237903 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 151356 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 117310266 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 110354860 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 524298 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | MISC. INCOME |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 79114 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 79114 |
| IRS990/OtherRevenueTotalAmt | 0 | 79114 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1148305 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 83665108 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 86084796 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 147364 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 58326 |
| 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 | 3498818 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 805000 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 3498818 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 805000 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 807150 |
| IRS990/PYOtherExpensesAmt | 0 | 2798438 |
| IRS990/PYOtherRevenueAmt | 0 | 62917 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 4232020 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 85808 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2217841 |
| IRS990/PYTotalExpensesAmt | 0 | 5016279 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 5102087 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 285108 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 485881 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -111341 |
| 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 | 4433380 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 10922744 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 10892689 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 1312196 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 1403165 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1907471 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1748629 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 3656100 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 437173 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1290051 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1727224 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 5288279 |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 1 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 590665 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 590665 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 17437 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 17437 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 110354860 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER DEPOSITS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 26953834 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 369200 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 512600 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 3 | 25000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 4 | 5200 |
| 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 MSIC PARTNERS LLC |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 4 | INVESTMENT IN CUSO |
| 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/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 5176938 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 2935309 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 27865834 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 5288279 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 110354860 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 5176938 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 5176938 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 5288279 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 169068 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 13666 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 12334 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | MICHAEL OSTROWSKI |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT AND CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 195068 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 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 I, LINE 4B |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 1 |
| IRS990ScheduleJ/WrittenEmploymentContractInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 485881 |
| 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 | 750000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | MICHAEL OSTROWSKI |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | PRESIDENT |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | 1 |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 485881 |
| 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 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | THE BOARD OF DIRECTORS ANNUALLY MUST DISCLOSE ANY CONFLICTS OF INTEREST ON AN ANNUAL BASIS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11B |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2017 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $129,895,386
- Liabilities
- $119,002,697
- Net assets
- $10,892,689
- Revenue
- $5,176,938
- Expenses
- $5,288,279
- Net income
- -$111,341
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