Liabilities / Assets
33rd percentile
Higher debt load relative to assets than 33% of similar nonprofits.
990 • Fiscal year 2015 • EIN 04-1989205
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
33rd percentile
Higher debt load relative to assets than 33% of similar nonprofits.
Liabilities / Revenue
96th percentile
Higher debt load relative to revenue than 96% of similar nonprofits.
Net Margin
8th percentile
Higher net margin than 8% of similar nonprofits.
Top Officer Pay
47th percentile
Higher top officer pay than 47% of similar nonprofits.
Top officer pay equals 9.4% of source-year revenue.
Asset Growth
32nd percentile
Faster asset growth than 32% of similar nonprofits.
Revenue Growth
3rd percentile
Faster revenue growth than 3% of similar nonprofits.
Assets
Up$38,845,803
Up $373,722 (+1.0%) from 2014
Net Assets
Down$5,430,180
Down $53,964 (-1.0%) from 2014
Liabilities
Up$33,415,623
Up $427,686 (+1.3%) from 2014
Revenue
Down$996,183
Down $109,716 (-9.9%) from 2014
Expenses
Down$1,050,147
Down $13,086 (-1.2%) from 2014
Net Income
Down-$53,964
Down $96,630 (-226%) from 2014
To encourage thrift among its members by the accumulation of their savings and loaning of such savings to its members for provident purposes.
To ensure thrift among its members by the accumulation of their savings and loaning of such savings to its members for provident purposes.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments Other Securities | $25,151,243 | $26,125,746 | ▲ $974,503 |
| Other Notes and Loans Receivable, Net | $11,051,738 | $9,790,701 | ▼ $1,261,037 |
| Rtn Earn Endowment Incm Other Fnds | $5,484,144 | $5,430,180 | ▼ $53,964 |
| Savings and Temporary Cash Investments | $757,564 | $1,376,847 | ▲ $619,283 |
| Land, Buildings, and Equipment, Net | $770,426 | $744,788 | ▼ $25,638 |
| Cash and Non-Interest-Bearing Accounts | $312,762 | $363,358 | ▲ $50,596 |
| Prepaid Expenses and Deferred Charges | $0 | $32,021 | ▲ $32,021 |
| Accounts Receivable | $0 | $0 | → $0 |
| Pledges and Grants Receivable | $0 | $0 | → $0 |
| Receivable From Disqualified Prsn | $0 | - | - |
| Receivables From Officers Etc | $0 | - | - |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Inventories for Sale or Use | $0 | - | - |
| Loans From Officers Directors | $0 | - | - |
| Total Assets | $38,472,081 | $38,845,803 | ▲ $373,722 |
| Other Assets Total | $428,348 | $412,342 | ▼ $16,006 |
| Liabilities | |||
| Other Liabilities | $32,982,714 | $33,391,959 | ▲ $409,245 |
| Accounts Payable and Accrued Expenses | $5,223 | $23,664 | ▲ $18,441 |
| Grants Payable | $0 | - | - |
| Mortgage Notes Payable Secured by Investment Property | $0 | - | - |
| Unsecured Notes Loans Payable | $0 | - | - |
| Deferred Revenue | $0 | - | - |
| Escrow Account Liability | $0 | - | - |
| Tax Exempt Bond Liabilities | $0 | - | - |
| Total Liabilities | $32,987,937 | $33,415,623 | ▲ $427,686 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $5,484,144 | $5,430,180 | ▼ $53,964 |
| Total Liabilities and Net Assets / Fund Balance | $38,472,081 | $38,845,803 | ▲ $373,722 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $563,564 | $230,886 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $155,000 | - | $0 |
| Equipment | $26,224 | $170,495 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Financial Derivatives | $26,125,746 | - | - |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Lisa Carmody | Manager | FT | $93,668 | $93,668 |
| Jennifer Roche | Assistant Manager | FT | $67,293 | $67,293 |
| Gerard Dio | Treasurer | PT | $35,664 | $35,664 |
| Thomas Dwyer | Director-janitor | - | $8,898 | $8,898 |
| Name | Title |
|---|---|
| Briean Tangney | President |
| Douglas Armey | vice president |
| Arthur Davison | Director |
| Brian Foley | Director |
| Daniel Spencer | Director |
| Eugene Courtney | Director |
| Martin Dyer | Director |
| Michael Coakley | Director |
| Michael Conley | Director |
| Paul Brosnihan | Director |
| Robert Johnson | Director |
| Robert McCann | Director |
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Fiserv | computer software company | 4450 SW Macadam Avenue, Portland, OR 97239 | $121,311 |
| Line Item | Amount |
|---|---|
| Other Expenses | $483,460 |
| Salaries, Compensation, and Employee Benefits | $404,225 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | $196,625 | - | - | $196,625 |
| Benefits to Members | $162,462 | - | - | $162,462 |
| Information Technology | $136,853 | - | - | $136,853 |
| Other Salaries and Wages | $123,287 | - | - | $123,287 |
| Office Expenses | $63,976 | - | - | $63,976 |
| Occupancy | $60,048 | - | - | $60,048 |
| Other Employee Benefits | $30,732 | - | - | $30,732 |
| Conferences and Meetings | $30,466 | - | - | $30,466 |
| Depreciation Depletion | $29,184 | - | - | $29,184 |
| Payroll Taxes | $27,191 | - | - | $27,191 |
| Pension Plan Contributions | $26,390 | - | - | $26,390 |
| Payments to Affiliates | $18,952 | - | - | $18,952 |
| Insurance | $15,686 | - | - | $15,686 |
| Other Expenses | $6,400 | $0 | - | $6,400 |
| Advertising | $2,801 | - | - | $2,801 |
| Interest | $16 | - | - | $16 |
| Total Functional Expenses | $1,050,147 | $0 | $0 | $1,050,147 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Loans from Officers, Directors, Trustees, and Key Employees | $0 | - | - |
| Receivables from Disqualified Persons | $0 | - | - |
| Receivables from Officers, Directors, Trustees, and Key Employees | $0 | - | - |
| Liability | Amount |
|---|---|
| CD and Shares | $33,391,959 |
“the membership is made up of members of the Worcester fire department and their immediate family members.”
“5 board members are voted in for a three year term every year by the membership”
“at the annual meeting the body votes for other related guidelines such as the amount of total loans a member can have.”
“reviewed at the April board meeting. copies handed out to the board.”
“reported at the monthly meeting”
“no one requested them.”
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 | 1 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 5223 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 23664 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/AcctCompileOrReviewBasisGrp/ConsolidatedBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | To ensure thrift among its members by the accumulation of their savings and loaning of such savings to its members for provident purposes. |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 2801 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 2801 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/ProgramServicesAmt | 0 | 162462 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 162462 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Gerard Dio |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 5087521122 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 34 Glennie Street |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Worcester |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 01605 |
| 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 | 312762 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 363358 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 196625 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 196625 |
| IRS990/CompDisqualPersonsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 0 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 30466 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 30466 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 121311 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 4450 SW Macadam Avenue |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | Portland |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | OR |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 97239 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | FISERV |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | computer software company |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 162462 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 369349 |
| IRS990/CYOtherExpensesAmt | 0 | 483460 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 626834 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -53964 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 404225 |
| IRS990/CYTotalExpensesAmt | 0 | 1050147 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 996183 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 29184 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 29184 |
| IRS990/Desc | 0 | Provide low cost loans, atm, visa cards, home banking, and other financial services to our members |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 0 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 0 |
| IRS990/ExpenseAmt | 0 | 896701 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignGrantsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.25 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.25 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.25 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.25 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0.25 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 0.5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 3 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 15 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 14 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 15 | 40 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | 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/IndividualTrusteeOrDirectorInd | 11 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 12 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 13 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | 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 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Briean Tangney |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Eugene Courtney |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Paul Brosnihan |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Douglas Armey |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Michael Conley |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Brian Foley |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Michael Coakley |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Arthur Davison |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Robert Johnson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Robert McCann |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Martin Dyer |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | Daniel Spencer |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | Thomas Dwyer |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | Gerard Dio |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | Jennifer Roche |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | Lisa Carmody |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| 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 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 8898 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 35664 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 67293 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 93668 |
| 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/TitleTxt | 0 | President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | vice president |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| 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 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | Director-janitor |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | Assistant Manager |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | Manager |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1937 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 15 |
| IRS990/GrantAmt | 0 | 0 |
| IRS990/GrantsPayableGrp/BOYAmt | 0 | 0 |
| IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 996183 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 15 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 136853 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 136853 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 15686 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 15686 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 16 |
| IRS990/InterestGrp/TotalAmt | 0 | 16 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 369349 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 369349 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 25151243 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 26125746 |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 401381 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 770426 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 744788 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1146169 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/BOYAmt | 0 | 0 |
| 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 encourage thrift among its members by the accumulation of their savings and loaning of such savings to its members for provident purposes. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 5484144 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 5430180 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 840 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 60048 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 60048 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 63976 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 63976 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 428348 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 412342 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 30732 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 30732 |
| IRS990/OtherExpensesGrp/Desc | 0 | allowance for loan loss |
| IRS990/OtherExpensesGrp/Desc | 1 | state banking exam |
| IRS990/OtherExpensesGrp/Desc | 2 | misc. expenses |
| IRS990/OtherExpensesGrp/Desc | 3 | external auditing expense |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 3 | 0 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 96279 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 7070 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 15729 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 6400 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 96279 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 7070 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 15729 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 6400 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 32982714 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 33391959 |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 123287 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 123287 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 11051738 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 9790701 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt | 0 | 18952 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 18952 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 27191 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 27191 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 26390 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 26390 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 32021 |
| IRS990/PrincipalOfficerNm | 0 | Gerard Dio |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | interest on loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | fees from services |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 532424 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 94410 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 532424 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 94410 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | the credit union provides a .30% dividend to our members savings accounts and competititve rates to our members for their certificates of deposits. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 153446 |
| IRS990/ProgSrvcAccomActy2Grp/GrantAmt | 0 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 369349 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 214786 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 397042 |
| IRS990/PYOtherExpensesAmt | 0 | 463626 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 708857 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 42666 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 384821 |
| IRS990/PYTotalExpensesAmt | 0 | 1063233 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 1105899 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -53964 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 626834 |
| IRS990/RoyaltiesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 5484144 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 5430180 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 757564 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 1376847 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 563564 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 230886 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 794450 |
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Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.