Liabilities / Assets
20th percentile
Higher debt load relative to assets than 20% of similar nonprofits.
EIN 04-1961180 • 501(c)14 • Springfield, MA
Profile
Our dynamic, sincere and helpful team provides membership value to individuals and businesses while managing a stable, community-minded financial institution.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
20th percentile
Higher debt load relative to assets than 20% of similar nonprofits.
Liabilities / Revenue
67th percentile
Higher debt load relative to revenue than 67% of similar nonprofits.
Net Margin
72nd percentile
Higher net margin than 72% of similar nonprofits.
Top Officer Pay
52nd percentile
Higher top officer pay than 52% of similar nonprofits.
Top officer pay equals 1.1% of source-year revenue.
Asset Growth
46th percentile
Faster asset growth than 46% of similar nonprofits.
Revenue Growth
29th percentile
Faster revenue growth than 29% of similar nonprofits.
Assets
Up$751,618,910
Up $17,730,348 (+2.4%) from 2024
Liabilities
Up$652,759,631
Up $8,968,843 (+1.4%) from 2024
Net Assets
Up$98,859,279
Up $8,761,505 (+9.7%) from 2024
Revenue
Up$40,594,063
Up $3,014,570 (+8.0%) from 2024
Expenses
Down$34,808,962
Down $234,757 (-0.7%) from 2024
Net Income
Up$5,785,101
Up $3,249,327 (+128%) from 2024
Most recent year
2025 • Form 990Detailed filing. Detailed filing data is available for this year.
Our dynamic, sincere and helpful team provides membership value to individuals and businesses while managing a stable, community-minded financial institution.
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 | $543,109,446 | $524,467,506 | ▼ $18,641,940 |
| Investments in Publicly Traded Securities | $115,410,889 | $123,095,681 | ▲ $7,684,792 |
| Rtn Earn Endowment Incm Other Fnds | $90,097,774 | $98,859,279 | ▲ $8,761,505 |
| Savings and Temporary Cash Investments | $33,569,457 | $57,886,432 | ▲ $24,316,975 |
| Receivables From Officers Etc | $15,113,604 | $15,468,004 | ▲ $354,400 |
| Accounts Receivable | $3,838,754 | $9,104,605 | ▲ $5,265,851 |
| Land, Buildings, and Equipment, Net | $5,128,686 | $5,293,554 | ▲ $164,868 |
| Cash and Non-Interest-Bearing Accounts | $3,416,054 | $2,581,030 | ▼ $835,024 |
| Prepaid Expenses and Deferred Charges | $1,333,387 | $1,613,048 | ▲ $279,661 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $733,888,562 | $751,618,910 | ▲ $17,730,348 |
| Other Assets Total | $12,968,285 | $12,109,050 | ▼ $859,235 |
| Liabilities | |||
| Other Liabilities | $569,725,644 | $595,770,619 | ▲ $26,044,975 |
| Mortgage Notes Payable Secured by Investment Property | $68,457,130 | $52,791,895 | ▼ $15,665,235 |
| Accounts Payable and Accrued Expenses | $5,608,014 | $4,197,117 | ▼ $1,410,897 |
| Total Liabilities | $643,790,788 | $652,759,631 | ▲ $8,968,843 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $90,097,774 | $98,859,279 | ▲ $8,761,505 |
| Total Liabilities and Net Assets / Fund Balance | $733,888,562 | $751,618,910 | ▲ $17,730,348 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $1,120,506 | $7,450,302 | $8,570,808 |
| Leasehold Improvements | $1,832,874 | $3,537,122 | $5,369,996 |
| Buildings | $1,619,493 | $2,525,827 | $4,145,320 |
| Land | $720,681 | - | $720,681 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Glenn Welch | President | FT | $372,045 | $78,526 | $450,571 |
| Lee Craig | Chief Financial Officer | FT | $215,547 | $52,229 | $267,776 |
| Jack Vadnais | Director of Financial Pla | FT | $35,481 | $204,904 | $240,385 |
| David Chase | Vice President of Business | FT | $174,746 | $64,679 | $239,425 |
| Jeffrey Smith | Vice President of Lending | FT | $180,677 | $57,877 | $238,554 |
| Kara Herman | Vice President of Retail a | FT | $162,784 | $58,340 | $221,124 |
| Gina Noblit | Director of Human Resource | FT | $166,546 | $53,426 | $219,972 |
| Cheryl Podgorski | VP Operations | FT | $163,641 | $46,413 | $210,054 |
| Allen Reed | Information Security Offic | FT | $132,468 | $52,919 | $185,387 |
| Eugene Marceau Jr | It Admin | FT | $95,890 | $83,681 | $179,571 |
| Molly K Terpoa | Accounting Manager | FT | $102,787 | $66,122 | $168,909 |
| Donald C Emerson | Director | PT | $3,005 | - | $3,005 |
| Name | Title |
|---|---|
| William T Carey | Chairperson/director |
| Brian D Harrington | Vice Chairperson/director |
| Daniel Reigner | Director |
| Donald R Senecal | Director |
| Lawrence F Bouley | Director |
| Louis G Guillette | Director |
| Mark Wayne | Director |
| Rondeau Nicole | Director |
| WILLIAM G O'BRIEN | Director |
| William Flaherty | Secretary/treasurer/director |
| Line Item | Amount |
|---|---|
| Other Expenses | $24,309,265 |
| Salaries, Compensation, and Employee Benefits | $10,499,697 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Interest | - | - | - | $11,153,320 |
| Other Salaries and Wages | - | - | - | $5,604,489 |
| Information Technology | - | - | - | $3,105,012 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $2,699,292 |
| Occupancy | - | - | - | $1,500,440 |
| Advertising | - | - | - | $1,340,782 |
| Other Employee Benefits | - | - | - | $1,040,560 |
| Fees for Services Other | - | - | - | $1,012,448 |
| Office Expenses | - | - | - | $850,172 |
| Payroll Taxes | - | - | - | $641,857 |
| Depreciation Depletion | - | - | - | $632,942 |
| Pension Plan Contributions | - | - | - | $513,499 |
| Fees for Services Accounting | - | - | - | $410,435 |
| Conferences and Meetings | - | - | - | $321,846 |
| Other Expenses | - | - | - | $166,879 |
| Insurance | - | - | - | $153,942 |
| All Other Expenses | - | - | - | $116,233 |
| Travel | - | - | - | $7,986 |
| Total Functional Expenses | $0 | $0 | $0 | $34,808,962 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $15,113,604 | $15,468,004 | ▲ $354,400 |
| Liability | Amount |
|---|---|
| Term Certificates | $242,607,224 |
| Share Savings | $195,816,785 |
| Now Accounts | $88,751,460 |
| Money Market | $40,607,943 |
| Ira Savings Accounts | $27,594,238 |
| Lease Liability | $392,969 |
“The credit union is a members only organization. It has 31,600 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 31,600 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 31,600 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 | 5608014 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 4197117 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 3838754 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 9104605 |
| 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 | 1340782 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 116233 |
| 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 | 3416054 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 2581030 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 2699292 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 321846 |
| 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 | 7584370 |
| IRS990/CYOtherExpensesAmt | 0 | 24309265 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 33009693 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 5785101 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 10499697 |
| IRS990/CYTotalExpensesAmt | 0 | 34808962 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 40594063 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 632942 |
| 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 | 159 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 410435 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 1012448 |
| 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/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/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/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 | 37096 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 29239 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 41454 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 41088 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 60619 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 16 | 28571 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 17 | 35905 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 18 | 63868 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 19 | 43798 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 20 | 61445 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 21 | 78811 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | DONALD C EMERSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | LOUIS G GUILLETTE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | WILLIAM G O'BRIEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | WILLIAM T CAREY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | LAWRENCE F BOULEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | BRIAN D HARRINGTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | DONALD R SENECAL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | WILLIAM FLAHERTY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | DANIEL REIGNER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | RONDEAU NICOLE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | MARK WAYNE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | GLENN WELCH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | LEE CRAIG |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | JEFFREY SMITH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | KARA HERMAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | DAVID CHASE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 16 | CHERYL PODGORSKI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 17 | GINA NOBLIT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 18 | JACK VADNAIS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 19 | ALLEN REED |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 20 | MOLLY K TERPOA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 21 | EUGENE MARCEAU JR |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 3005 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 413475 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 238537 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 197100 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 180036 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 178806 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 16 | 181483 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 17 | 184067 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 18 | 176517 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 19 | 141589 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 20 | 107464 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 21 | 100760 |
| 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/TitleTxt | 0 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | CHAIRPERSON/DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | VICE CHAIRPERSON/DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | SECRETARY/TREASURER/DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | CHIEF FINANCIAL OFFICER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | VICE PRESIDENT OF LENDING |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | VICE PRESIDENT OF RETAIL A |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | VICE PRESIDENT OF BUSINESS |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | VP OPERATIONS |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 17 | DIRECTOR OF HUMAN RESOURCE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 18 | DIRECTOR OF FINANCIAL PLA |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 19 | INFORMATION SECURITY OFFIC |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 20 | ACCOUNTING MANAGER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 21 | IT ADMIN |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1922 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 1135325 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 11 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 6276033 |
| IRS990/GrossReceiptsAmt | 0 | 45734771 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 11 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 16 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 3105012 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 153942 |
| IRS990/InterestGrp/TotalAmt | 0 | 11153320 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 6449045 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 6449045 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 115410889 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 123095681 |
| IRS990/IRPDocumentCnt | 0 | 12453 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 13513251 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 5128686 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 5293554 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 18806805 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 5140708 |
| 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 | 68457130 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 52791895 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 90097774 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 98859279 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | 1135325 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 1135325 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 2976404 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 1500440 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 850172 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 12968285 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 12109050 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 1040560 |
| 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 | 2309570 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 995551 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 231707 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 166879 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 569725644 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 595770619 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 5604489 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 543109446 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 524467506 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 641857 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 513499 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 1333387 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 1613048 |
| 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 | OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | MEMBER SERVICE FEES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 25976879 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 4247402 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 2785412 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 25976879 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 4247402 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 2785412 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 6719467 |
| IRS990/PYOtherExpensesAmt | 0 | 24420174 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 30860026 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 2535774 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 10623545 |
| IRS990/PYTotalExpensesAmt | 0 | 35043719 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 37579493 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 15113604 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 15468004 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 5785101 |
| 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 | 90097774 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 98859279 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 33569457 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 57886432 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1619493 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 2525827 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 4145320 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 1120506 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 7450302 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 8570808 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 720681 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 720681 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 1832874 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 3537122 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 5369996 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 88751460 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 40607943 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 195816785 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 242607224 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 27594238 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 5 | 392969 |
| 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 | 5293554 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 595770619 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990ScheduleJ/Form990OfOtherOrganizationsInd | 0 | X |
| IRS990ScheduleJ/IndependentConsultantInd | 0 | X |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 372045 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 215547 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 2 | 35481 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 3 | 174746 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 4 | 180677 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 5 | 162784 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 6 | 166546 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 7 | 163641 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 8 | 132468 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 9 | 95890 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 10 | 102787 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 25150 |
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