Civic Intelligence

Wemelco Credit Union

EIN 04-1923220 • 501(c)14

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Profile

CREDIT UNION

300 Cadwell Drive01104

wemelco.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2013

Liabilities / Revenue

95th percentile

0.00x

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

501(c)14 • <$500k nonprofits • Source year 2013

Net Margin

28th percentile

-245%

Higher net margin than 28% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2012 to 2013

Revenue Growth

20th percentile

-77%

Faster revenue growth than 20% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

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

Liabilities

Down

$0

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

Net Assets

Down

$0

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

Operations
Liabilities / Revenue95th percentileNet Margin28th 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

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$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 Growth20th percentile

Revenue, expenses, and net income by year, with the latest 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

Filings

Most recent 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
Latest Filing Detail
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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