Liabilities / Assets
9th percentile
Higher debt load relative to assets than 9% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
9th percentile
Higher debt load relative to assets than 9% of similar nonprofits.
Liabilities / Revenue
55th percentile
Higher debt load relative to revenue than 55% of similar nonprofits.
Net Margin
68th percentile
Higher net margin than 68% of similar nonprofits.
Top Officer Pay
40th percentile
Higher top officer pay than 40% of similar nonprofits.
Top officer pay equals 1.6% of source-year revenue.
Asset Growth
7th percentile
Faster asset growth than 7% of similar nonprofits.
Revenue Growth
28th percentile
Faster revenue growth than 28% of similar nonprofits.
Assets
Down$477,578,497
Down $6,800,152 (-1.4%) from 2017
Net Assets
Up$79,138,005
Up $3,503,987 (+4.6%) from 2017
Liabilities
Down$398,440,492
Down $10,304,139 (-2.5%) from 2017
Revenue
Up$23,161,113
Up $1,454,684 (+6.7%) from 2017
Expenses
Up$19,037,422
Up $1,229,549 (+6.9%) from 2017
Net Income
Up$4,123,691
Up $225,135 (+5.8%) from 2017
Our dynamic, sincere and helpful team provides membership value to individuals and businesses while managing a stable, community-minded financial institution.
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.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $312,829,314 | $345,508,023 | ▲ $32,678,709 |
| Investments in Publicly Traded Securities | $127,072,881 | $87,558,486 | ▼ $39,514,395 |
| Rtn Earn Endowment Incm Other Fnds | $75,634,018 | $79,138,005 | ▲ $3,503,987 |
| Receivables From Officers Etc | $7,640,952 | $8,035,204 | ▲ $394,252 |
| Land, Buildings, and Equipment, Net | $6,325,269 | $5,803,100 | ▼ $522,169 |
| Cash and Non-Interest-Bearing Accounts | $2,324,859 | $2,214,938 | ▼ $109,921 |
| Prepaid Expenses and Deferred Charges | $1,509,181 | $1,527,198 | ▲ $18,017 |
| Accounts Receivable | $1,113,563 | $1,092,081 | ▼ $21,482 |
| Savings and Temporary Cash Investments | $2,818,274 | $41,492 | ▼ $2,776,782 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $484,378,649 | $477,578,497 | ▼ $6,800,152 |
| Other Assets Total | $22,744,356 | $25,797,975 | ▲ $3,053,619 |
| Liabilities | |||
| Other Liabilities | $380,508,667 | $360,704,777 | ▼ $19,803,890 |
| Mortgage Notes Payable Secured by Investment Property | $23,818,000 | $34,015,000 | ▲ $10,197,000 |
| Accounts Payable and Accrued Expenses | $4,417,964 | $3,720,715 | ▼ $697,249 |
| Total Liabilities | $408,744,631 | $398,440,492 | ▼ $10,304,139 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $75,634,018 | $79,138,005 | ▲ $3,503,987 |
| Total Liabilities and Net Assets / Fund Balance | $484,378,649 | $477,578,497 | ▼ $6,800,152 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $788,039 | $4,613,305 | $5,401,344 |
| Leasehold Improvements | $2,296,955 | $1,875,851 | $4,172,806 |
| Buildings | $2,088,125 | $1,772,895 | $3,861,020 |
| Land | $629,981 | - | $629,981 |
| Other Assets Org | $7,851,664 | - | - |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Glenn Welch | President | FT | $295,334 | $72,636 | $367,970 |
| Louis Scungio | Chief Financial Officer | FT | $166,482 | $200,366 | $366,848 |
| David Chase | Vice President of Business | FT | $117,922 | $48,362 | $166,284 |
| Jeffrey Smith | Vice President of Lending | FT | $126,691 | $37,500 | $164,191 |
| Kara Herman | Vice President of Retail a | FT | $121,210 | $23,742 | $144,952 |
| Cheryl Podgorski | Vice President of Operatio | FT | $120,904 | $11,077 | $131,981 |
| Lisa Mish | Mortgage Loan Officer | FT | $112,008 | $8,433 | $120,441 |
| Gina Noblit | Director of Human Resources | FT | $103,873 | $14,822 | $118,695 |
| John R Reigner | Director/security Officer | PT | $4,151 | - | $4,151 |
| WILLIAM G O'BRIEN | Director | PT | $4,025 | - | $4,025 |
| William T Carey | Treasurer | PT | $3,122 | - | $3,122 |
| Louis G Guillette | Vice Chairman | PT | $2,768 | - | $2,768 |
| Donald C Emerson | Chairman | PT | $2,552 | - | $2,552 |
| Lawrence F Bouley | Chairman Director | PT | $2,415 | - | $2,415 |
| Richard T Grover | Director | PT | $1,110 | - | $1,110 |
| Brian D Harrington | Director | PT | $851 | - | $851 |
| Felix Santaniello | Director | PT | $630 | - | $630 |
| Charles J Simonich | Director | PT | $589 | - | $589 |
| Name | Title |
|---|---|
| Donald R Senecal | Director |
| Line Item | Amount |
|---|---|
| Other Expenses | $10,351,046 |
| Salaries, Compensation, and Employee Benefits | $8,686,376 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $5,323,503 |
| Interest | - | - | - | $2,411,937 |
| Occupancy | - | - | - | $1,902,176 |
| Information Technology | - | - | - | $1,849,597 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $1,429,280 |
| Advertising | - | - | - | $961,638 |
| Other Employee Benefits | - | - | - | $787,439 |
| Office Expenses | - | - | - | $657,145 |
| Pension Plan Contributions | - | - | - | $600,676 |
| Depreciation Depletion | - | - | - | $560,858 |
| Payroll Taxes | - | - | - | $545,478 |
| Fees for Services Other | - | - | - | $461,739 |
| Conferences and Meetings | - | - | - | $321,515 |
| Fees for Services Accounting | - | - | - | $236,211 |
| Other Expenses | - | - | - | $104,162 |
| Insurance | - | - | - | $87,701 |
| All Other Expenses | - | - | - | $33,241 |
| Travel | - | - | - | $990 |
| Total Functional Expenses | $0 | $0 | $0 | $19,037,422 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $7,640,952 | $8,035,204 | ▲ $394,252 |
| Liability | Amount |
|---|---|
| Share Savings | $140,359,782 |
| Share Certificates | $104,089,127 |
| Now Accounts | $66,110,112 |
| Money Market | $41,990,675 |
| Ira Accounts | $8,155,081 |
“The credit union is a members only organization. It has 26,855 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 26,855 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 26,855 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 accounting finance manager 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 found to be broken, corrective action is then taken.”
“The members of the board of directors review and approve the annual compensation of the ceo/president at its quarterly 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 | 4417964 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 3720715 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 1113563 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 1092081 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | 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. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 961638 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 33241 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | LOUIS J SCUNGIO |
| 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/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 2324859 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 2214938 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 1429280 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 321515 |
| 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 | 3372538 |
| IRS990/CYOtherExpensesAmt | 0 | 10351046 |
| IRS990/CYOtherRevenueAmt | 0 | 330112 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 19458463 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 4123691 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 8686376 |
| IRS990/CYTotalExpensesAmt | 0 | 19037422 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 23161113 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 560858 |
| IRS990/Desc | 0 | NOT REQUIRED. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 1 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 157 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 236211 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 461739 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 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/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/HighestCompensatedEmployeeInd | 5 | 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/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | 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 | 27876 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 38086 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 25537 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 23742 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 24722 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 16 | 11077 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 17 | 14822 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 18 | 8433 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | LAWRENCE F BOULEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | DONALD C EMERSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | LOUIS G GUILLETTE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | WILLIAM T CAREY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | JOHN R REIGNER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | RICHARD T GROVER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | BRIAN D HARRINGTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | WILLIAM G O'BRIEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | FELIX SANTANIELLO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | DONALD R SENECAL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | CHARLES J SIMONICH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | GLENN WELCH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | LOUIS SCUNGIO |
| 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 | LISA MISH |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 2415 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 2552 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 2768 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 3122 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 4151 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 1110 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 851 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 4025 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 630 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 589 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 340094 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 328762 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 138654 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 121210 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 141562 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 16 | 120904 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 17 | 103873 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 18 | 112008 |
| 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/TitleTxt | 0 | CHAIRMAN DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | VICE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR/SECURITY OFFICER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | 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 | VICE PRESIDENT OF OPERATIO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 17 | DIRECTOR OF HUMAN RESOURCES |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 18 | MORTGAGE LOAN OFFICER |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1922 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | -50111 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 11 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 28753810 |
| IRS990/GrossReceiptsAmt | 0 | 51965034 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 11 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 8 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 1849597 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 87701 |
| IRS990/InterestGrp/TotalAmt | 0 | 2411937 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 3422649 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 3422649 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 127072881 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 87558486 |
| IRS990/IRPDocumentCnt | 0 | 9160 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 8262051 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 6325269 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 5803100 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 14065151 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 28803921 |
| 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 | 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. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 23818000 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 34015000 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 75634018 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 79138005 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | -50111 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -50111 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -619704 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 1902176 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 657145 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 22744356 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 25797975 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 787439 |
| IRS990/OtherExpensesGrp/Desc | 0 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISIONS FOR LOAN LOS |
| IRS990/OtherExpensesGrp/Desc | 2 | ATM NETWORK CHARGES |
| IRS990/OtherExpensesGrp/Desc | 3 | MISCELLANEOUS EXPENSE |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 496257 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 150000 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 115879 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 104162 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 380508667 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 360704777 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | NCUSIF REFUND |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 0 | 330112 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 330112 |
| IRS990/OtherRevenueTotalAmt | 0 | 330112 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 5323503 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 312829314 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 345508023 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 545478 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 600676 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 1509181 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 1527198 |
| IRS990/PrincipalOfficerNm | 0 | LOUIS SCUNGIO |
| 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 | 15005766 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 2313721 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 2138976 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 15005766 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 2313721 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 2138976 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 3090266 |
| IRS990/PYOtherExpensesAmt | 0 | 9141211 |
| IRS990/PYOtherRevenueAmt | 0 | 7600 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 18608563 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 3898556 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 8666662 |
| IRS990/PYTotalExpensesAmt | 0 | 17807873 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 21706429 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 7640952 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 8035204 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 4123691 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 1 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 75634018 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 79138005 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 2818274 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 41492 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 2088125 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1772895 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 3861020 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 788039 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 4613305 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 5401344 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 629981 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 629981 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 2296955 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 1875851 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 4172806 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 0 | 3570761 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 1 | 14047271 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 2 | 328279 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 3 | 7851664 |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 0 | NCUA SHARES INSURANCE |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 1 | LIFE INSURANCE |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 2 | OTHER REAL ESTATE OWNED |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 3 | FACTORING RECEIVABLE |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 66110112 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 41990675 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 140359782 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 104089127 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 8155081 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | NOW ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | MONEY MARKET |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | SHARE SAVINGS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | SHARE CERTIFICATES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | IRA ACCOUNTS |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 5803100 |
| IRS990ScheduleD/TotalBookValueOtherAssetsAmt | 0 | 25797975 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 360704777 |
| 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 | 295334 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 166482 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 2 | 126691 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 3 | 117922 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 29170 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 1 | 12559 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 2 | 10866 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 3 | 22627 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 2 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 3 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 2 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 3 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 2 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 3 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 2 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 3 | 0 |
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Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.