Liabilities / Assets
25th percentile
Higher debt load relative to assets than 25% of similar nonprofits.
EIN 04-1961180 • 501(c)14 • Springfield, MA
Profile
To provide a friendly atmosphere for its members in which they can conduct their financial business and to offer fair rates for savings, loans and other services as they become available.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
25th percentile
Higher debt load relative to assets than 25% of similar nonprofits.
Liabilities / Revenue
72nd percentile
Higher debt load relative to revenue than 72% of similar nonprofits.
Net Margin
37th percentile
Higher net margin than 37% of similar nonprofits.
Top Officer Pay
Score unavailable
No filing with officer rows is available for this organization yet.
Asset Growth
25th percentile
Faster asset growth than 25% of similar nonprofits.
Revenue Growth
25th percentile
Faster revenue growth than 25% of similar nonprofits.
Assets
Down$733,888,562
Down $4,471,092 (-0.6%) from 2023
Liabilities
Down$643,790,788
Down $8,078,896 (-1.2%) from 2023
Net Assets
Up$90,097,774
Up $3,607,804 (+4.2%) from 2023
Revenue
Up$37,579,493
Up $3,090,491 (+9.0%) from 2023
Expenses
Up$35,043,719
Up $4,549,763 (+15%) from 2023
Net Income
Down$2,535,774
Down $1,459,272 (-37%) from 2023
Most recent year
2024 • Form 990Detailed filing. Detailed filing data is available for this year.
To provide a friendly atmosphere for its members in which they can conduct their financial business and to offer fair rates for savings, loans and other services as they become available.
Our dynamic, sincere and helpful team provides membership value to individuals and businesses while managing a stable, community-minded financial institution
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $564,512,746 | $543,109,446 | ▼ $21,403,300 |
| Investments in Publicly Traded Securities | $128,751,966 | $115,410,889 | ▼ $13,341,077 |
| Rtn Earn Endowment Incm Other Fnds | $86,489,970 | $90,097,774 | ▲ $3,607,804 |
| Savings and Temporary Cash Investments | $2,541,205 | $33,569,457 | ▲ $31,028,252 |
| Receivables From Officers Etc | $14,767,047 | $15,113,604 | ▲ $346,557 |
| Land, Buildings, and Equipment, Net | $5,263,926 | $5,128,686 | ▼ $135,240 |
| Accounts Receivable | $3,739,516 | $3,838,754 | ▲ $99,238 |
| Cash and Non-Interest-Bearing Accounts | $2,863,291 | $3,416,054 | ▲ $552,763 |
| Prepaid Expenses and Deferred Charges | $1,535,668 | $1,333,387 | ▼ $202,281 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $738,359,654 | $733,888,562 | ▼ $4,471,092 |
| Other Assets Total | $14,384,289 | $12,968,285 | ▼ $1,416,004 |
| Liabilities | |||
| Other Liabilities | $558,212,273 | $569,725,644 | ▲ $11,513,371 |
| Mortgage Notes Payable Secured by Investment Property | $89,550,268 | $68,457,130 | ▼ $21,093,138 |
| Accounts Payable and Accrued Expenses | $4,107,143 | $5,608,014 | ▲ $1,500,871 |
| Total Liabilities | $651,869,684 | $643,790,788 | ▼ $8,078,896 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $86,489,970 | $90,097,774 | ▲ $3,607,804 |
| Total Liabilities and Net Assets / Fund Balance | $738,359,654 | $733,888,562 | ▼ $4,471,092 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $827,170 | $7,090,854 | $7,918,024 |
| Leasehold Improvements | $1,870,872 | $3,333,967 | $5,204,839 |
| Buildings | $1,709,963 | $2,435,357 | $4,145,320 |
| Land | $720,681 | - | $720,681 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Glenn Welch | President | FT | $357,952 | $98,933 | $456,885 |
| David Chase | Vice President of Business | FT | $162,636 | $66,682 | $229,318 |
| Jeffrey Smith | Vice President of Lending | FT | $172,412 | $50,393 | $222,805 |
| Kara Herman | Vice President of Retail a | FT | $152,930 | $54,022 | $206,952 |
| Gina Noblit | Director of Human Resource | FT | $156,230 | $50,005 | $206,235 |
| Cheryl Podgorski | VP Operations | FT | $155,823 | $40,013 | $195,836 |
| Lee Craig | Chief Financial Officer | FT | $171,872 | $11,530 | $183,402 |
| Allen Reed | Information Security Offic | FT | $128,830 | $50,047 | $178,877 |
| Jack Vadnais | Director of Financial Pla | FT | $38,239 | $128,064 | $166,303 |
| John Santaniello | Assistant Vice President | FT | $125,369 | $24,784 | $150,153 |
| Charlene Smolkowicz | Manager | FT | $116,864 | $20,175 | $137,039 |
| Joanne Page | Manager | FT | $115,123 | $21,609 | $136,732 |
| Louis Scungio | CFO Through 1/12/2024 | FT | $120,027 | $4,520 | $124,547 |
| Louis G Guillette | Director | PT | $5,235 | - | $5,235 |
| Donald C Emerson | Director | PT | $3,271 | - | $3,271 |
| John R Reigner | Director | PT | $1,621 | - | $1,621 |
| Felix Santaniello | Director | PT | $691 | - | $691 |
| Name | Title |
|---|---|
| William T Carey | Chairperson/director |
| Brian D Harrington | Vice Chairperson/director |
| Daniel Reigner | Director |
| Donald R Senecal | Director |
| Lawrence F Bouley | Director |
| WILLIAM G O'BRIEN | Director |
| William Flaherty | Treasurer/director |
| Line Item | Amount |
|---|---|
| Other Expenses | $24,420,174 |
| Salaries, Compensation, and Employee Benefits | $10,623,545 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Interest | - | - | - | $11,860,813 |
| Other Salaries and Wages | - | - | - | $6,135,331 |
| Information Technology | - | - | - | $2,976,904 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $2,228,911 |
| Occupancy | - | - | - | $1,359,547 |
| Advertising | - | - | - | $1,247,940 |
| Fees for Services Other | - | - | - | $1,241,294 |
| Other Employee Benefits | - | - | - | $1,006,062 |
| Office Expenses | - | - | - | $922,133 |
| Payroll Taxes | - | - | - | $681,479 |
| Depreciation Depletion | - | - | - | $618,212 |
| Pension Plan Contributions | - | - | - | $571,762 |
| Fees for Services Accounting | - | - | - | $516,693 |
| Conferences and Meetings | - | - | - | $283,327 |
| Insurance | - | - | - | $227,739 |
| Other Expenses | - | - | - | $67,109 |
| All Other Expenses | - | - | - | $43,916 |
| Travel | - | - | - | $3,595 |
| Total Functional Expenses | $0 | $0 | $0 | $35,043,719 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $14,767,047 | $15,113,604 | ▲ $346,557 |
| Liability | Amount |
|---|---|
| Term Certificates | $229,609,426 |
| Share Savings | $193,494,631 |
| Now Accounts | $86,826,574 |
| Money Market | $35,174,848 |
| Ira Savings Accounts | $23,990,341 |
| Lease Liability | $629,824 |
“The credit union is a members only organization. It has 31,700 voting members at the end of the tax year. Each year, at the annual meeting, the members elect the governing board and also vote on all agenda items presented to them that require a vote of the membership.”
“The credit union is a members only organization. It has 31,700 voting members at the end of the tax year. Each year, at the annual meeting, the members elect the governing board and also vote on all agenda items presented to them that require a vote of the membership.”
“The credit union is a members only organization. It has 31,700 voting members at the end of the tax year. Each year, at the annual meeting, the members elect the governing board and also vote on all agenda items presented to them that require a vote of the membership.”
“The form 990 is reviewed by the accountant and chief financial officer. After their approval, the form 990 is reviewed by the board of directors.”
“The credit union educates all staff on the conflict of interest policy at the time of hire. Therefore, all staff are aware of the policy and the credit union relies on the integrity and honesty of its employees to adhere to it. If the policy is violated, corrective action is taken.”
“The members of the board of directors review and approve the annual compensation of the ceo/president at its board meeting in december. In determining the ceo/president's compensation, the members consider the compensation paid to other chief executive officers at comparable business organizations.”
“Availability of governing documents, coi policy and financial statements: the credit union makes its governing documents, conflict of interest policy, form 990 and audited financial statements available to the public upon request or through various websites that are open to the general public.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 4107143 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 5608014 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 3739516 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 3838754 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | OUR DYNAMIC, SINCERE AND HELPFUL TEAM PROVIDES MEMBERSHIP VALUE TO INDIVIDUALS AND BUSINESSES WHILE MANAGING A STABLE, COMMUNITY-MINDED FINANCIAL INSTITUTION |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 1247940 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 43916 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | LEE CRAIG |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4137396961 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1976 MAIN STREET |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | SPRINGFIELD |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 01103 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 2863291 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 3416054 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 2228911 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 283327 |
| 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 | 6719467 |
| IRS990/CYOtherExpensesAmt | 0 | 24420174 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 30860026 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 2535774 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 10623545 |
| IRS990/CYTotalExpensesAmt | 0 | 35043719 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 37579493 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 618212 |
| IRS990/Desc | 0 | NOT REQUIRED. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 1 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 156 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 516693 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 1241294 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 10.00 |
| 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 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 14 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 15 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 16 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 17 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 18 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 19 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 20 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 21 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 22 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 23 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| 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 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 10 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 32503 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 4520 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 10587 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 31383 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 37849 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 16 | 56425 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 17 | 33286 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 18 | 17815 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 19 | 54281 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 20 | 41405 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 21 | 20175 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 22 | 15153 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 23 | 21609 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | DONALD C EMERSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | LOUIS G GUILLETTE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JOHN R REIGNER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | WILLIAM G O'BRIEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | WILLIAM T CAREY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | LAWRENCE F BOULEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | BRIAN D HARRINGTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | FELIX SANTANIELLO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | DONALD R SENECAL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | WILLIAM FLAHERTY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | DANIEL REIGNER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | GLENN WELCH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | LOUIS SCUNGIO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | LEE CRAIG |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | JEFFREY SMITH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | KARA HERMAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 16 | DAVID CHASE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 17 | GINA NOBLIT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 18 | CHERYL PODGORSKI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 19 | JACK VADNAIS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 20 | ALLEN REED |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 21 | CHARLENE SMOLKOWICZ |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 22 | JOHN SANTANIELLO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 23 | JOANNE PAGE |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 3271 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 5235 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 1621 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 691 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 424382 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 120027 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 172815 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 191422 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 169103 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 16 | 172893 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 17 | 172949 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 18 | 178021 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 19 | 112022 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 20 | 137472 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 21 | 116864 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 22 | 135000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 23 | 115123 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 18 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 19 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 20 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 21 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 22 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 23 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | CHAIRPERSON/DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | VICE CHAIRPERSON/DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | TREASURER/DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | CFO THROUGH 1/12/2024 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | CHIEF FINANCIAL OFFICER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | VICE PRESIDENT OF LENDING |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | VICE PRESIDENT OF RETAIL A |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | VICE PRESIDENT OF BUSINESS |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 17 | DIRECTOR OF HUMAN RESOURCE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 18 | VP OPERATIONS |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 19 | DIRECTOR OF FINANCIAL PLA |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 20 | INFORMATION SECURITY OFFIC |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 21 | MANAGER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 22 | ASSISTANT VICE PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 23 | MANAGER |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1922 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 731307 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 11 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 2562443 |
| IRS990/GrossReceiptsAmt | 0 | 39410629 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 11 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 13 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 2976904 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 227739 |
| IRS990/InterestGrp/TotalAmt | 0 | 11860813 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 5988160 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 5988160 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 128751966 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 115410889 |
| IRS990/IRPDocumentCnt | 0 | 11078 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 12860178 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 5263926 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 5128686 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 17988864 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 1831136 |
| IRS990/LoanOutstandingInd | 0 | 1 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | OUR DYNAMIC, SINCERE AND HELPFUL TEAM PROVIDES MEMBERSHIP VALUE TO INDIVIDUALS AND BUSINESSES WHILE MANAGING A STABLE, COMMUNITY-MINDED FINANCIAL INSTITUTION. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 89550268 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 68457130 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 86489970 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 90097774 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | 731307 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 731307 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 1072030 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 1359547 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 922133 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 14384289 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 12968285 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 1006062 |
| IRS990/OtherExpensesGrp/Desc | 0 | DEBIT/ATM EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 2 | PROVISIONS FOR CREDIT L |
| IRS990/OtherExpensesGrp/Desc | 3 | MISCELLANEOUS EXPENSE |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 2210891 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 729296 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 110765 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 67109 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 558212273 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 569725644 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 6135331 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 564512746 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 543109446 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 681479 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 571762 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 1535668 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 1333387 |
| IRS990/PrincipalOfficerNm | 0 | LEE CRAIG |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | MEMBER LOAN INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | MEMBER SERVICE FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 25547827 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 2850760 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 2461439 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 25547827 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 2850760 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 2461439 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 6399467 |
| IRS990/PYOtherExpensesAmt | 0 | 20005364 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 28089535 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 3995046 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 10488592 |
| IRS990/PYTotalExpensesAmt | 0 | 30493956 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 34489002 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 14767047 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 15113604 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 2535774 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 86489970 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 90097774 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 2541205 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 33569457 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1709963 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 2435357 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 4145320 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 827170 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 7090854 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 7918024 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 720681 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 720681 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 1870872 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 3333967 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 5204839 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 86826574 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 35174848 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 193494631 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 229609426 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 23990341 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 5 | 629824 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | NOW ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | MONEY MARKET |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | SHARE SAVINGS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | TERM CERTIFICATES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | IRA SAVINGS ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 5 | LEASE LIABILITY |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 5128686 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 569725644 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990ScheduleJ/Form990OfOtherOrganizationsInd | 0 | X |
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