Civic Intelligence

Wemelco Credit Union

990 • Fiscal year 2013 • EIN 04-1923220

Jan 01, 2013 to Dec 31, 2013 • Filed on Jul 27, 2014

Organization ProfileWEMELCO.ORG

View Organization Page

300 Cadwell Drive01104

(413) 787-9283

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on this filing.

Source year 2013

Liabilities / Revenue

58th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2013 filings • <$500k nonprofits • Source year 2013

Net Margin

4th percentile

-245%

Higher net margin than 4% of similar nonprofits.

2013 filings • <$500k nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

1st percentile

-100%

Faster asset growth than 1% of similar nonprofits.

2013 filings • <$500k nonprofits • Annualized from 2012 to 2013

Revenue Growth

4th percentile

-77%

Faster revenue growth than 4% of similar nonprofits.

2013 filings • <$500k nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $30,131,887 (-100%) from 2012

Net Assets

Down

$0

Down $5,960,661 (-100%) from 2012

Liabilities

Down

$0

Down $24,171,226 (-100%) from 2012

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin4th percentile

Revenue

Down

$248,373

Down $845,747 (-77%) from 2012

Expenses

Down

$857,433

Down $178,081 (-17%) from 2012

Net Income

Down

-$609,060

Down $667,666 (-1139%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth1st percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$40M$30M$20M$10M$0Assets 2010: $32,723,140Liabilities 2010: $26,936,137Net Assets 2010: $5,787,0032010Assets 2011: $30,556,224Liabilities 2011: $24,635,349Net Assets 2011: $5,920,8752011Assets 2012: $30,131,887Liabilities 2012: $24,171,226Net Assets 2012: $5,960,6612012Assets 2013: $0Liabilities 2013: $0Net Assets 2013: $02013

Highlighted filing

2013

Assets$0
Liabilities$0
Net Assets$0
Open 2013 Filing

Operations Trend

Revenue Growth4th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0-$500K-$1.0MExpenses 2010: $1,207,9782010Expenses 2011: $1,137,0702011Revenue 2012: $1,094,120Expenses 2012: $1,035,514Net Income 2012: $58,6062012Revenue 2013: $248,373Expenses 2013: $857,433Net Income 2013: -$609,0602013

Highlighted filing

2013

Revenue$248,373
Expenses$857,433
Net Income-$609,060
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jul 27, 2014
Return Version
2013v3.1
Gross Receipts
$348,373
Mission and Program Overview

Mission

CREDIT UNION

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$11,966,634$0▼ $11,966,634
Investments in Publicly Traded Securities$10,880,412$0▼ $10,880,412
Savings and Temporary Cash Investments$6,442,816$0▼ $6,442,816
Rtn Earn Endowment Incm Other Fnds$5,960,661--
Receivables From Officers Etc$286,229$0▼ $286,229
Investments Other Securities$65,900$0▼ $65,900
Cash and Non-Interest-Bearing Accounts$47,561$0▼ $47,561
Prepaid Expenses and Deferred Charges$13,645$0▼ $13,645
Land, Buildings, and Equipment, Net$9,944$0▼ $9,944
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$30,131,887$0▼ $30,131,887
Other Assets Total$418,746$0▼ $418,746
Liabilities
Other Liabilities$24,084,933--
Accounts Payable and Accrued Expenses$59,743--
Unsecured Notes Loans Payable$26,550--
Total Liabilities$24,171,226$0▼ $24,171,226
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,960,661$0▼ $5,960,661
Total Liabilities and Net Assets / Fund Balance$30,131,887$0▼ $30,131,887
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Wendy J TariffCEOFT$20,895$3,755$24,650

Board Members and Trustees

NameTitle
Daniel M PetruccelliChairman
David WilsonVice Chair
Andrew NetherwoodDirector
Barbara L CharestDirector
James KearneyDirector
Linda CallahanDirector
Madhu ShahDirector
Michael FragaDirector
Daniel BlaneyClerk
Kim KiernanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$137,064
Investment Income
$89,527
Other Revenue
$21,782
Change in Net Assets
$-609,060
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$745,716
Salaries, Compensation, and Employee Benefits$111,717
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$54,743-$54,743
Information Technology-$42,106-$42,106
Interest$41,861$3-$41,864
All Other Expenses-$25,864-$25,864
Current Officers, Directors, Trustees, and Key Employees-$24,650-$24,650
Payroll Taxes-$16,686-$16,686
Other Employee Benefits-$15,000-$15,000
Other Expenses-$10,491-$10,491
Fees for Services Accounting-$9,182-$9,182
Depreciation Depletion-$8,423-$8,423
Insurance-$7,272-$7,272
Office Expenses-$5,175-$5,175
Conferences and Meetings-$4,884-$4,884
Occupancy-$4,530-$4,530
Fees for Services Legal-$953-$953
Pension Plan Contributions-$638-$638
Advertising-$511-$511
Total Functional Expenses$41,861$815,572$0$857,433
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$286,229$0▼ $286,229
Receivables from Disqualified Persons-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
Yes
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 4: Description of Significant Changes to Organizational Documents

“Wemelco credit union merged into premier source credit union on april 1, 2013.”

Form 990, Part VI, Line 5: Description of Material Diversion of Assets

“Wemelco credit union merged into premier source credit union on april 1, 2013.”

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Persons who meet the requirements of the organization's field of membership who hold at least one share of the capital.”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“Each member has a vote at the election of the board of directors.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“Any changes to the incorporating documents,i.e. Bylaws, are approved by the membership.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“Paid preparer, controller reviews, ceo reviews and signs. The board receives the form 990 via email to review. The board ratifies after it is filed.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The process is board approved yearly based on an evaluation of individual and credit union performance. The ceo's compensation is reviewed by the board.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“The process is board approved yearly based on an evaluation of individual and credit union performance.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Information is available at credit union and available upon request.”

Filing and Contact Details

Filer

EIN
04-1923220
Phone
4137879283

Signing Officer

Name
Wendy J Tariff
Title
CEO
Signed
2014-07-27
Discuss with paid preparer
Yes

Organization Details

Legal Domicile
Ma
Voting Board Members
10
Independent Board Members
10
Employees
6
Volunteers
10

Preparer

Preparer
Robert Anderson
Phone
9782329300
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Transfers due to merger = -$5351601”

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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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IRS990/OtherExpensesGrp/TotalAmt310491
IRS990/OtherLiabilitiesGrp/BOYAmt024084933
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0ATM FEES - NON MEMBER
IRS990/OtherRevenueMiscGrp/Desc1OTHER INCOME
IRS990/OtherRevenueMiscGrp/Desc2SERVICE FEES AND CHARGES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt09193
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt111942
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0593
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt19193
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt211942
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0593
IRS990/OtherRevenueTotalAmt021782
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt054743
IRS990/OtherSalariesAndWagesGrp/TotalAmt054743
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt011966634
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt016686
IRS990/PayrollTaxesGrp/TotalAmt016686
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0638
IRS990/PensionPlanContributionsGrp/TotalAmt0638
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt013645
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0137064
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0137064
IRS990/ProgSrvcAccomActy2Grp/Desc0MAINTENANCE OF MEMBERS' LOAN ACCOUNTS. NUMBER OF ACCOUNTS IS 1,140.
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0137064
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt02000
IRS990/PYInvestmentIncomeAmt0452958
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0605629
IRS990/PYOtherRevenueAmt0117577
IRS990/PYProgramServiceRevenueAmt0523585
IRS990/PYRevenuesLessExpensesAmt058606
IRS990/PYSalariesCompEmpBnftPaidAmt0427885
IRS990/PYTotalExpensesAmt01035514
IRS990/PYTotalRevenueAmt01094120
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0286229
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-609060
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05960661
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06442816
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd0false
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt023189
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt132201
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2742
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3679
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt410
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt518535
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt6100850
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt72230
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt85607
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt961609
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt101086
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1135
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt12261
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1319784
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt141439
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt15397
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd10true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd12true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd13true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd14true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd15true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd16true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd11false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd12false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd13false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd14false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd15false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd16false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$248,373
Expenses
$857,433
Net income
-$609,060
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.25$0.86$0.61
2012Summary only. Only limited summary data is available for this year.$30.1$24.2$5.96$1.09$1.04$0.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.6$24.6$5.92$1.14
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.7$26.9$5.79$1.21