Civic Intelligence

Freedom Credit Union

990 • Fiscal year 2018 • EIN 04-1961180

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 15, 2019

1976 Main StreetSpringfield, MA 01103

(413) 739-6961

Siviq Scores

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

Liabilities / Assets

9th percentile

0.83x

Higher debt load relative to assets than 9% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

55th percentile

17.20x

Higher debt load relative to revenue than 55% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

68th percentile

18%

Higher net margin than 68% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

40th percentile

$367,970

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 1.6% of source-year revenue.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

7th percentile

-1.4%

Faster asset growth than 7% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

28th percentile

6.7%

Faster revenue growth than 28% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

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

Historical Trend

Balance Sheet Trend

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

$800M$600M$400M$200M$0Assets 2010: $447,152,608Liabilities 2010: $387,021,454Net Assets 2010: $60,131,1542010Assets 2011: $487,302,934Liabilities 2011: $422,645,868Net Assets 2011: $64,657,0662011Assets 2012: $517,136,522Liabilities 2012: $449,080,212Net Assets 2012: $68,056,3102012Assets 2013: $520,991,029Liabilities 2013: $453,873,609Net Assets 2013: $67,117,4202013Assets 2014: $515,296,313Liabilities 2014: $445,375,454Net Assets 2014: $69,920,8592014Assets 2015: $531,804,006Liabilities 2015: $462,006,608Net Assets 2015: $69,797,3982015Assets 2016: $489,855,221Liabilities 2016: $418,595,709Net Assets 2016: $71,259,5122016Assets 2017: $484,378,649Liabilities 2017: $408,744,631Net Assets 2017: $75,634,0182017Assets 2018: $477,578,497Liabilities 2018: $398,440,492Net Assets 2018: $79,138,0052018Assets 2019: $496,730,711Liabilities 2019: $410,851,904Net Assets 2019: $85,878,8072019Assets 2020: $593,605,651Liabilities 2020: $505,994,363Net Assets 2020: $87,611,2882020Assets 2021: $649,826,140Liabilities 2021: $559,612,487Net Assets 2021: $90,213,6532021Assets 2022: $699,366,789Liabilities 2022: $618,551,299Net Assets 2022: $80,815,4902022Assets 2023: $738,359,654Liabilities 2023: $651,869,684Net Assets 2023: $86,489,9702023Assets 2024: $733,888,562Liabilities 2024: $643,790,788Net Assets 2024: $90,097,7742024Assets 2025: $751,618,910Liabilities 2025: $652,759,631Net Assets 2025: $98,859,2792025

Highlighted filing

2018

Assets$477,578,497
Liabilities$398,440,492
Net Assets$79,138,005

Operations Trend

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

$60M$40M$20M$0Expenses 2010: $17,821,4312010Expenses 2011: $17,528,8222011Expenses 2012: $18,424,4262012Revenue 2013: $20,449,040Expenses 2013: $19,089,753Net Income 2013: $1,359,2872013Revenue 2014: $20,925,571Expenses 2014: $19,386,350Net Income 2014: $1,539,2212014Revenue 2015: $21,217,100Expenses 2015: $19,909,952Net Income 2015: $1,307,1482015Revenue 2016: $21,351,115Expenses 2016: $18,979,860Net Income 2016: $2,371,2552016Revenue 2017: $21,706,429Expenses 2017: $17,807,873Net Income 2017: $3,898,5562017Revenue 2018: $23,161,113Expenses 2018: $19,037,422Net Income 2018: $4,123,6912018Revenue 2019: $24,911,225Expenses 2019: $22,038,112Net Income 2019: $2,873,1132019Revenue 2020: $23,759,359Expenses 2020: $23,151,492Net Income 2020: $607,8672020Revenue 2021: $26,093,008Expenses 2021: $21,788,261Net Income 2021: $4,304,7472021Revenue 2022: $26,913,534Expenses 2022: $23,288,605Net Income 2022: $3,624,9292022Revenue 2023: $34,489,002Expenses 2023: $30,493,956Net Income 2023: $3,995,0462023Revenue 2024: $37,579,493Expenses 2024: $35,043,719Net Income 2024: $2,535,7742024Revenue 2025: $40,594,063Expenses 2025: $34,808,962Net Income 2025: $5,785,1012025

Highlighted filing

2018

Revenue$23,161,113
Expenses$19,037,422
Net Income$4,123,691
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 15, 2019
Return Version
2018v3.1
Gross Receipts
$51,965,034
Mission and Program Overview

Mission

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.

Balance Sheet Detail
LineBeginningEndChange
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 Categories

AssetBook ValueDepreciationBasis
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--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Glenn WelchPresidentFT$295,334$72,636$367,970
Louis ScungioChief Financial OfficerFT$166,482$200,366$366,848
David ChaseVice President of BusinessFT$117,922$48,362$166,284
Jeffrey SmithVice President of LendingFT$126,691$37,500$164,191
Kara HermanVice President of Retail aFT$121,210$23,742$144,952
Cheryl PodgorskiVice President of OperatioFT$120,904$11,077$131,981
Lisa MishMortgage Loan OfficerFT$112,008$8,433$120,441
Gina NoblitDirector of Human ResourcesFT$103,873$14,822$118,695
John R ReignerDirector/security OfficerPT$4,151-$4,151
WILLIAM G O'BRIENDirectorPT$4,025-$4,025
William T CareyTreasurerPT$3,122-$3,122
Louis G GuilletteVice ChairmanPT$2,768-$2,768
Donald C EmersonChairmanPT$2,552-$2,552
Lawrence F BouleyChairman DirectorPT$2,415-$2,415
Richard T GroverDirectorPT$1,110-$1,110
Brian D HarringtonDirectorPT$851-$851
Felix SantanielloDirectorPT$630-$630
Charles J SimonichDirectorPT$589-$589

Board Members and Trustees

NameTitle
Donald R SenecalDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$19,458,463
Investment Income
$3,372,538
Other Revenue
$330,112
Change in Net Assets
$4,123,691
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
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

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
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
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$7,640,952$8,035,204▲ $394,252
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
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
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

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.

Form 990, Part VI, Section A, Line 7A

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.

Form 990, Part VI, Section A, Line 7B

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.

Form 990, Part VI, Section B, Line 11B

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.

Form 990, Part VI, Section B, Line 12C

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.

Form 990, Part VI, Section B, Line 15

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.

Form 990, Part VI, Section C, Line 19

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.

Filing and Contact Details

Filer

Filer Name
Freedom Credit Union
EIN
04-1961180
Phone
4137396961
Address
1976 MAIN STREET, SPRINGFIELD, MA 01103

Signing Officer

Name
Louis Scungio
Title
Senior Vice President/CFO
Phone
4137396961
Signed
2019-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Louis Scungio
Formed
1922
Legal Domicile
Ma
Voting Board Members
11
Independent Board Members
11
Employees
157
Volunteers
0

Preparer

Firm
Whittlesey Pc
Address
280 TRUMBULL ST 24TH FL, HARTFORD, CT 06103
Preparer
Kimberly Napp
Phone
8605223111
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR/SECURITY OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13VICE PRESIDENT OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt14VICE PRESIDENT OF RETAIL A
IRS990/Form990PartVIISectionAGrp/TitleTxt15VICE PRESIDENT OF BUSINESS
IRS990/Form990PartVIISectionAGrp/TitleTxt16VICE PRESIDENT OF OPERATIO
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR OF HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt18MORTGAGE LOAN OFFICER
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IRS990/FormationYr01922
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IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0-50111
IRS990/GamingActivitiesInd00
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
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IRS990/GrossReceiptsAmt051965034
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
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IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt08
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InsuranceGrp/TotalAmt087701
IRS990/InterestGrp/TotalAmt02411937
IRS990/InvestmentIncomeGrp/ExclusionAmt03422649
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IRS990/IRPDocumentCnt09160
IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt05803100
IRS990/LandBldgEquipCostOrOtherBssAmt014065151
IRS990/LegalDomicileStateCd0MA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt028803921
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO 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/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt023818000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt034015000
IRS990/NetAssetsOrFundBalancesBOYAmt075634018
IRS990/NetAssetsOrFundBalancesEOYAmt079138005
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-50111
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-50111
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-619704
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01902176
IRS990/OfficeExpensesGrp/TotalAmt0657145
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt022744356
IRS990/OtherAssetsTotalGrp/EOYAmt025797975
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0787439
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1PROVISIONS FOR LOAN LOS
IRS990/OtherExpensesGrp/Desc2ATM NETWORK CHARGES
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS EXPENSE
IRS990/OtherExpensesGrp/TotalAmt0496257
IRS990/OtherExpensesGrp/TotalAmt1150000
IRS990/OtherExpensesGrp/TotalAmt2115879
IRS990/OtherExpensesGrp/TotalAmt3104162
IRS990/OtherLiabilitiesGrp/BOYAmt0380508667
IRS990/OtherLiabilitiesGrp/EOYAmt0360704777
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0NCUSIF REFUND
IRS990/OtherRevenueMiscGrp/ExclusionAmt0330112
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0330112
IRS990/OtherRevenueTotalAmt0330112
IRS990/OtherSalariesAndWagesGrp/TotalAmt05323503
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0312829314
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0345508023
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0545478
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0600676
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01509181
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01527198
IRS990/PrincipalOfficerNm0LOUIS SCUNGIO
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0MEMBER LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER SERVICE FEES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt015005766
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12313721
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22138976
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt015005766
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12313721
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22138976
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt03090266
IRS990/PYOtherExpensesAmt09141211
IRS990/PYOtherRevenueAmt07600
IRS990/PYProgramServiceRevenueAmt018608563
IRS990/PYRevenuesLessExpensesAmt03898556
IRS990/PYSalariesCompEmpBnftPaidAmt08666662
IRS990/PYTotalExpensesAmt017807873
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt021706429
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt07640952
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt08035204
IRS990/ReconcilationRevenueExpnssAmt04123691
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt075634018
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt079138005
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02818274
IRS990/SavingsAndTempCashInvstGrp/EOYAmt041492
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02088125
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01772895
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03861020
IRS990ScheduleD/EquipmentGrp/BookValueAmt0788039
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04613305
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt05401344
IRS990ScheduleD/LandGrp/BookValueAmt0629981
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0629981
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt02296955
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01875851
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt04172806
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt03570761
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt114047271
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2328279
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt37851664
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUA SHARES INSURANCE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1LIFE INSURANCE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2OTHER REAL ESTATE OWNED
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3FACTORING RECEIVABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt066110112
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt141990675
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2140359782
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3104089127
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt48155081
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0NOW ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE SAVINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRA ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05803100
IRS990ScheduleD/TotalBookValueOtherAssetsAmt025797975
IRS990ScheduleD/TotalLiabilityAmt0360704777
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/Form990OfOtherOrganizationsInd0X
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0295334
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1166482
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2126691
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3117922
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount029170
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount112559
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount210866
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount322627
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt30

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$752$653$98.9$40.6$34.8$5.79
2024Detailed filing. Detailed filing data is available for this year.$734$644$90.1$37.6$35.0$2.54
2023Detailed filing. Detailed filing data is available for this year.$738$652$86.5$34.5$30.5$4.00
2022Detailed filing. Detailed filing data is available for this year.$699$619$80.8$26.9$23.3$3.62
2021Detailed filing. Detailed filing data is available for this year.$650$560$90.2$26.1$21.8$4.30
2020Detailed filing. Detailed filing data is available for this year.$594$506$87.6$23.8$23.2$0.61
2019Detailed filing. Detailed filing data is available for this year.$497$411$85.9$24.9$22.0$2.87
2018Detailed filing. Detailed filing data is available for this year.$478$398$79.1$23.2$19.0$4.12
2017Detailed filing. Detailed filing data is available for this year.$484$409$75.6$21.7$17.8$3.90
2016Detailed filing. Detailed filing data is available for this year.$490$419$71.3$21.4$19.0$2.37
2015Detailed filing. Detailed filing data is available for this year.$532$462$69.8$21.2$19.9$1.31
2014Detailed filing. Detailed filing data is available for this year.$515$445$69.9$20.9$19.4$1.54
2013Detailed filing. Detailed filing data is available for this year.$521$454$67.1$20.4$19.1$1.36
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$517$449$68.1$18.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$487$423$64.7$17.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$447$387$60.1$17.8