Liabilities / Assets
87th percentile
Higher debt load relative to assets than 87% of similar nonprofits.
EIN 04-1989830
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
87th percentile
Higher debt load relative to assets than 87% of similar nonprofits.
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on the latest valid filing.
Top Officer Pay
Score unavailable
No filing with officer or executive compensation is available for this organization yet.
Asset Growth
28th percentile
Faster asset growth than 28% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Assets
Down$10,162,060
Down $120,735 (-1.2%) from 2010
Liabilities
Down$6,871,274
Down $129,822 (-1.9%) from 2010
Net Assets
Up$3,290,786
Up $9,087 (+0.3%) from 2010
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$346,255
Down $133,786 (-28%) from 2010
Net Income
-
No earlier filing loaded for comparison.
Most recent year
2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
| Balance Sheet | Operations | |||||
|---|---|---|---|---|---|---|
| Year | Assets | Liabilities | Net Assets | Revenue | Expenses | Net Income |
| 2011Facts available. Structured filing facts are available, but richer extracted sections are limited. | $10.2 | $6.87 | $3.29 | $0.35 | ||
| 2010Facts available. Structured filing facts are available, but richer extracted sections are limited. | $10.3 | $7.00 | $3.28 | $0.48 | ||
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/AccountantCompileOrReview | 0 | 0 |
| IRS990/ActivitiesConductedPartnership | 0 | 0 |
| IRS990/ActivityOrMissionDescription | 0 | CREDIT UNION |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | 4 EAST CENTRAL STREET |
| IRS990/AddressPrincipalOfficerUS/City | 0 | WORCESTER |
| IRS990/AddressPrincipalOfficerUS/State | 0 | MA |
| IRS990/AddressPrincipalOfficerUS/ZIPCode | 0 | 01613 |
| IRS990/AllOtherExpenses/Total | 0 | 6688 |
| IRS990/AmendedReturn | 0 | X |
| IRS990/AuditCommittee | 0 | 1 |
| IRS990/BenefitsPaidToMembersCY | 0 | 41287 |
| IRS990/BenefitsPaidToMembersPriorYear | 0 | 75708 |
| IRS990/BenefitsToMembers/Total | 0 | 41287 |
| IRS990/BsnssRltnshpThruFamilyMember | 0 | 0 |
| IRS990/BsnssRltnshpWithOrganization | 0 | 0 |
| IRS990/CapStckTrstPrinCurrentFunds/BOY | 0 | 0 |
| IRS990/CapStckTrstPrinCurrentFunds/EOY | 0 | 0 |
| IRS990/CashNonInterestBearing/BOY | 0 | 227491 |
| IRS990/CashNonInterestBearing/EOY | 0 | 88173 |
| IRS990/ChangesToOrganizingDocs | 0 | 0 |
| IRS990/CollectionsOfArt | 0 | 0 |
| IRS990/CompensationFromOtherSources | 0 | 0 |
| IRS990/CompensationProcessCEO | 0 | 1 |
| IRS990/CompensationProcessOther | 0 | 1 |
| IRS990/ComplianceWithBackupWitholding | 0 | 1 |
| IRS990/ConferencesMeetings/Total | 0 | 2791 |
| IRS990/ConflictOfInterestPolicy | 0 | 0 |
| IRS990/ConservationEasements | 0 | 0 |
| IRS990/ConsolidatedAuditFinancialStmt | 0 | 0 |
| IRS990/ContributionsGrantsCurrentYear | 0 | 0 |
| IRS990/ContributionsGrantsPriorYear | 0 | 0 |
| IRS990/CreditCounseling | 0 | 0 |
| IRS990/DecisionsSubjectToApproval | 0 | 0 |
| IRS990/DeductibleContributionsOfArt | 0 | 0 |
| IRS990/DeductibleNonCashContributions | 0 | 0 |
| IRS990/DelegationOfManagementDuties | 0 | 0 |
| IRS990/DescribedIn501C3 | 0 | 0 |
| IRS990/Description | 0 | N/A |
| IRS990/DisregardedEntity | 0 | 0 |
| IRS990/DistributionToDonor | 0 | 0 |
| IRS990/DocumentRetentionPolicy | 0 | 1 |
| IRS990/DonorAdvisedFunds | 0 | 0 |
| IRS990/DoNotFollowSFAS117 | 0 | X |
| IRS990/ElectionOfBoardMembers | 0 | 0 |
| IRS990/EmploymentTaxReturnsFiled | 0 | 1 |
| IRS990/ExcessBusinessHoldings | 0 | 0 |
| IRS990/FamilyOrBusinessRelationship | 0 | 0 |
| IRS990/FederalGrantAuditRequired | 0 | 0 |
| IRS990/FeesForServicesAccounting/Total | 0 | 13200 |
| IRS990/FeesForServicesLegal/Total | 0 | 4429 |
| IRS990/FeesForServicesOther/Total | 0 | 42219 |
| IRS990/FinancialStatementSeparate | 0 | X |
| IRS990/ForeignActivities | 0 | 0 |
| IRS990/ForeignFinancialAccount | 0 | 0 |
| IRS990/ForeignOffice | 0 | 0 |
| IRS990/Form1098CFiled | 0 | 0 |
| IRS990/Form8282PropertyDisposedOf | 0 | 0 |
| IRS990/Form8899Filed | 0 | 0 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 0 | 2.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 1 | 2.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 2 | 2.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 3 | 2.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 4 | 2.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 5 | 2.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 6 | 2.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 7 | 2.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 8 | 24.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 9 | 7.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 10 | 7.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 11 | 2.00 |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 0 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 1 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 2 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 3 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 4 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 5 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 6 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 7 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 8 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 9 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 10 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 11 | X |
| IRS990/Form990PartVIISectionA/NamePerson | 0 | PAULA WILSON |
| IRS990/Form990PartVIISectionA/NamePerson | 1 | STEPHEN L ROSSETTI |
| IRS990/Form990PartVIISectionA/NamePerson | 2 | ED CONRAD |
| IRS990/Form990PartVIISectionA/NamePerson | 3 | DONNA GERANI |
| IRS990/Form990PartVIISectionA/NamePerson | 4 | ESTER GIAHCELLI |
| IRS990/Form990PartVIISectionA/NamePerson | 5 | ANNE BURDETT |
| IRS990/Form990PartVIISectionA/NamePerson | 6 | JOHN DOMACK |
| IRS990/Form990PartVIISectionA/NamePerson | 7 | DALE STAFFORD |
| IRS990/Form990PartVIISectionA/NamePerson | 8 | RICHARD J JOHNSTON |
| IRS990/Form990PartVIISectionA/NamePerson | 9 | GARY J JACOBSON |
| IRS990/Form990PartVIISectionA/NamePerson | 10 | DANIEL J BOYLE |
| IRS990/Form990PartVIISectionA/NamePerson | 11 | JOE MCCLUSKY |
| IRS990/Form990PartVIISectionA/Officer | 0 | X |
| IRS990/Form990PartVIISectionA/Officer | 1 | X |
| IRS990/Form990PartVIISectionA/Officer | 2 | X |
| IRS990/Form990PartVIISectionA/Officer | 3 | X |
| IRS990/Form990PartVIISectionA/Officer | 4 | X |
| IRS990/Form990PartVIISectionA/OtherCompensation | 0 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 1 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 2 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 3 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 4 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 5 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 6 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 7 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 8 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 9 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 10 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 11 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 0 | 35935 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 2 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 3 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 4 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 5 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 6 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 7 | 8914 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 8 | 42400 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 9 | 2188 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 10 | 2188 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 11 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 2 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 3 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 4 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 5 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 6 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 7 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 8 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 9 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 10 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 11 | 0 |
| IRS990/Form990PartVIISectionA/Title | 0 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 1 | CHAIRPERSON |
| IRS990/Form990PartVIISectionA/Title | 2 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 6 | PRESIDENT |
| IRS990/Form990PartVIISectionA/Title | 7 | VICE CHAIR |
| IRS990/Form990PartVIISectionA/Title | 8 | TREASURER/MANAGER |
| IRS990/Form990PartVIISectionA/Title | 9 | ASS'T. TREASURER |
| IRS990/Form990PartVIISectionA/Title | 10 | CLERK |
| IRS990/Form990PartVIISectionA/Title | 11 | DIRECTOR |
| IRS990/Form990ProvidedToGoverningBody | 0 | 1 |
| IRS990/FormersListed | 0 | 0 |
| IRS990/FSAudited | 0 | 1 |
| IRS990/FundraisingActivities | 0 | 0 |
| IRS990/FundsToPayPremiums | 0 | 0 |
| IRS990/Gaming | 0 | 0 |
| IRS990/GrantsAndSimilarAmntsCY | 0 | 0 |
| IRS990/GrantsAndSimilarAmntsPriorYear | 0 | 0 |
| IRS990/GrantsToIndividuals | 0 | 0 |
| IRS990/GrantsToOrganizations | 0 | 0 |
| IRS990/GrantToRelatedPerson | 0 | 0 |
| IRS990/GrossReceipts | 0 | 355341 |
| IRS990/GroupReturnForAffiliates | 0 | 0 |
| IRS990/Hospital | 0 | 0 |
| IRS990/IndependentAuditFinancialStmt | 0 | 1 |
| IRS990/IndoorTanningServices | 0 | 0 |
| IRS990/InfoInScheduleOPartVI | 0 | X |
| IRS990/InfoInScheduleOPartVII | 0 | X |
| IRS990/InvestmentIncomeCurrentYear | 0 | 66790 |
| IRS990/InvestmentIncome/ExclusionAmount | 0 | 66790 |
| IRS990/InvestmentIncomePriorYear | 0 | 91310 |
| IRS990/InvestmentIncome/TotalRevenueColumn | 0 | 66790 |
| IRS990/InvestmentInJointVenture | 0 | 0 |
| IRS990/InvestmentsOtherSecurities/BOY | 0 | 224528 |
| IRS990/InvestmentsOtherSecurities/EOY | 0 | 226023 |
| IRS990/LandBldgEquipmentAccumDeprec | 0 | 70950 |
| IRS990/LandBuildingsEquipmentBasis | 0 | 70950 |
| IRS990/LandBuildingsEquipmentBasisNet/BOY | 0 | 253 |
| IRS990/LandBuildingsEquipmentBasisNet/EOY | 0 | 0 |
| IRS990/LoanToOfficerOrDQP | 0 | 0 |
| IRS990/LocalChapters | 0 | 0 |
| IRS990/MaterialDiversionOrMisuse | 0 | 0 |
| IRS990/MembersOrStockholders | 0 | 0 |
| IRS990/MethodOfAccountingAccrual | 0 | X |
| IRS990/MinutesOfCommittees | 0 | 1 |
| IRS990/MinutesOfGoverningBody | 0 | 1 |
| IRS990/MissionDescription | 0 | CREDIT UNION |
| IRS990/MoreThan5000KToIndividuals | 0 | 0 |
| IRS990/MoreThan5000KToOrganizations | 0 | 0 |
| IRS990/NameOfPrincipalOfficerPerson | 0 | STEPHEN ROSSETTI |
| IRS990/NbrIndependentVotingMembers | 0 | 8 |
| IRS990/NbrVotingGoverningBodyMembers | 0 | 11 |
| IRS990/NbrVotingMembersGoverningBody | 0 | 11 |
| IRS990/NetAssetsOrFundBalancesBOY | 0 | 3281699 |
| IRS990/NetAssetsOrFundBalancesEOY | 0 | 3290786 |
| IRS990/NetUnrelatedBusinessTxblIncome | 0 | 0 |
| IRS990/NonDeductibleContributions | 0 | 0 |
| IRS990/NumberFormsTransmittedWith1096 | 0 | 0 |
| IRS990/NumberIndependentVotingMembers | 0 | 8 |
| IRS990/NumberIndividualsGT100K | 0 | 0 |
| IRS990/NumberOfContractorsGT100K | 0 | 0 |
| IRS990/NumberOfEmployees | 0 | 7 |
| IRS990/NumberW2GIncluded | 0 | 0 |
| IRS990/OfficeExpenses/Total | 0 | 28647 |
| IRS990/OfficerEntityWithBsnssRltnshp | 0 | 0 |
| IRS990/OfficerMailingAddress | 0 | 0 |
| IRS990/Organization501c | 0 | X |
| IRS990/OtherAssetsTotal/BOY | 0 | 69297 |
| IRS990/OtherAssetsTotal/EOY | 0 | 68670 |
| IRS990/OtherExpensePriorYear | 0 | 256814 |
| IRS990/OtherExpensesCurrentYear | 0 | 177558 |
| IRS990/OtherExpenses/Description | 0 | LOAN LOSS PROVISION |
| IRS990/OtherExpenses/Description | 1 | MISCELLANEOUS |
| IRS990/OtherExpenses/Description | 2 | SOFTWARE MAINTENANCE |
| IRS990/OtherExpenses/Description | 3 | CUSA STMT/DATA MATCH/TA |
| IRS990/OtherExpenses/Total | 0 | 45000 |
| IRS990/OtherExpenses/Total | 1 | 20901 |
| IRS990/OtherExpenses/Total | 2 | 8647 |
| IRS990/OtherExpenses/Total | 3 | 5036 |
| IRS990/OtherLiabilities/BOY | 0 | 7001096 |
| IRS990/OtherLiabilities/EOY | 0 | 6871274 |
| IRS990/OtherNotesLoansReceivableNet/BOY | 0 | 3947836 |
| IRS990/OtherNotesLoansReceivableNet/EOY | 0 | 3025273 |
| IRS990/OtherRevenueCurrentYear | 0 | 232 |
| IRS990/OtherRevenueMisc/BusinessCode | 0 | 522100 |
| IRS990/OtherRevenueMisc/Description | 0 | MISCELLANEOUS INCOME |
| IRS990/OtherRevenueMisc/RelatedOrExemptFunctionIncome | 0 | 232 |
| IRS990/OtherRevenueMisc/TotalRevenueColumn | 0 | 232 |
| IRS990/OtherRevenuePriorYear | 0 | 8506 |
| IRS990/OtherSalariesAndWages/Total | 0 | 115667 |
| IRS990/PaidInCapSrplsLandBldgEqpFund/BOY | 0 | 0 |
| IRS990/PaidInCapSrplsLandBldgEqpFund/EOY | 0 | 0 |
| IRS990/PartialLiquidation | 0 | 0 |
| IRS990/PayrollTaxes/Total | 0 | 11743 |
| IRS990/PoliticalActivities | 0 | 0 |
| IRS990/PremiumsPaid | 0 | 0 |
| IRS990/ProfessionalFundraising | 0 | 0 |
| IRS990/ProgramServiceRevenue/BusinessCode | 0 | 522100 |
| IRS990/ProgramServiceRevenueCY | 0 | 288319 |
| IRS990/ProgramServiceRevenue/Description | 0 | LOAN AND INTEREST INC |
| IRS990/ProgramServiceRevenue/ExclusionAmount | 0 | 281854 |
| IRS990/ProgramServiceRevenuePriorYear | 0 | 358030 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 0 | 281854 |
| IRS990/ProhibitedTaxShelterTrans | 0 | 0 |
| IRS990/QuidProQuoContributions | 0 | 0 |
| IRS990/ReconcilationOtherChanges | 0 | 0 |
| IRS990/ReconcilationRevenueExpenses | 0 | 9086 |
| IRS990/RelatedEntity | 0 | 0 |
| IRS990/RelatedOrgControlledEntity | 0 | 0 |
| IRS990/ReportFin48Footnote | 0 | 0 |
| IRS990/ReportInvestOthSecurities | 0 | 0 |
| IRS990/ReportLandBldgEquip | 0 | 1 |
| IRS990/ReportOtherAssets | 0 | 0 |
| IRS990/ReportOtherLiabilities | 0 | 1 |
| IRS990/ReportProgRelInvest | 0 | 0 |
| IRS990/RetainedEarningsEndowmentEtc/BOY | 0 | 3281699 |
| IRS990/RetainedEarningsEndowmentEtc/EOY | 0 | 3290786 |
| IRS990/RevenuesLessExpensesCY | 0 | 9086 |
| IRS990/RevenuesLessExpensesPriorYear | 0 | -22195 |
| IRS990/SalariesEtcCurrentYear | 0 | 127410 |
| IRS990/SalariesEtcPriorYear | 0 | 147519 |
| IRS990/SavingsAndTempCashInvestments/BOY | 0 | 5813390 |
| IRS990/SavingsAndTempCashInvestments/EOY | 0 | 6753921 |
| IRS990/ScheduleBRequired | 0 | 0 |
| IRS990ScheduleD/Equipment/BookValue | 0 | 0 |
| IRS990ScheduleD/Equipment/Depreciation | 0 | 70950 |
| IRS990ScheduleD/Equipment/OtherCostOrOtherBasis | 0 | 70950 |
| IRS990ScheduleD/ExcessOrDeficitForYear | 0 | 9086 |
| IRS990ScheduleD/ExcessOrDeficitPerFS | 0 | 9086 |
| IRS990ScheduleD/ExpensesNotRptdF990 | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptdOnFinStmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotal | 0 | 346255 |
| IRS990ScheduleD/OtherLiabilities/Amount | 0 | 6852660 |
| IRS990ScheduleD/OtherLiabilities/Amount | 1 | 18614 |
| IRS990ScheduleD/OtherLiabilities/Description | 0 | MEMBERS SHARE ACCOUNTS |
| IRS990ScheduleD/OtherLiabilities/Description | 1 | ACCRUED INTEREST AND OTHER LIABILITIES |
| IRS990ScheduleD/RevenueNotRptdF990 | 0 | 0 |
| IRS990ScheduleD/RevenueNotRptdOnFinStmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotal | 0 | 355341 |
| IRS990ScheduleD/TotalExpenses | 0 | 346255 |
| IRS990ScheduleD/TotalExpensesPerForm990 | 0 | 346255 |
| IRS990ScheduleD/TotalOfAmounts | 0 | 6871274 |
| IRS990ScheduleD/TotalOfBookValueLandBuildings | 0 | 0 |
| IRS990ScheduleD/TotalRevenue | 0 | 355341 |
| IRS990ScheduleD/TotalRevenuePerForm990 | 0 | 355341 |
| IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt | 0 | 346255 |
| IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt | 0 | 355341 |
| IRS990/ScheduleJRequired | 0 | 0 |
| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | A DRAFT OF FORM 990 IS PRESENTED TO THE BOARD OF DIRECTORS FOR REVIEW AT THE MONTHLY MEETING BEFORE IT IS FILED. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | THE PROCESS FOR DETERMINING COMPENSATION OF INDIVIDUALS IS DONE BY THE BOARD OF DIRECTORS ANNUALLY. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 2 | THE ORGANIZATION MAKES THESE DOCUMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 3 | THERE WERE TWO BOARD MEMBERS THAT ALSO ARE EMPLOYEES OF THE ORGANIZATION AND THEIR SALARY INFORMATION WAS MISSING FROM PAGE 7 ON ORIGINAL RETURN. THE COMPENSATION PAID TO THESE BOARD MEMBERS WAS FOR SERVICES PERFORMED AS AN EMPLOYEE AND NOT FOR DIRECTOR SERVICES. |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 0 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 1 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 2 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 3 | AMENDED FORM 990 |
| IRS990/ScheduleORequired | 0 | 1 |
| IRS990/School | 0 | 0 |
| IRS990/SignificantChange | 0 | 0 |
| IRS990/SignificantNewProgramServices | 0 | 0 |
| IRS990/StateLegalDomicile | 0 | MA |
| IRS990/StatesWhereCopyOfReturnIsFiled | 0 | MA |
| IRS990/SubjectToProxyTax | 0 | 0 |
| IRS990/TaxableDistributions | 0 | 0 |
| IRS990/TaxablePartyNotification | 0 | 0 |
| IRS990/TaxExemptBonds | 0 | 0 |
| IRS990/Terminated | 0 | 0 |
| IRS990/TermOrPermanentEndowments | 0 | 0 |
| IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1 | 0 | 4 EAST CENTRAL ST |
| IRS990/TheBooksAreInCareOf/AddressUS/City | 0 | WORCESTER |
| IRS990/TheBooksAreInCareOf/AddressUS/State | 0 | MA |
| IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode | 0 | 01613 |
| IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine1 | 0 | RICHARD JOHNSTON |
| IRS990/TheBooksAreInCareOf/TelephoneNumber | 0 | 5087523166 |
| IRS990/TotalAssets/BOY | 0 | 10282795 |
| IRS990/TotalAssetsBOY | 0 | 10282795 |
| IRS990/TotalAssets/EOY | 0 | 10162060 |
| IRS990/TotalAssetsEOY | 0 | 10162060 |
| IRS990/TotalCompGT150K | 0 | 0 |
| IRS990/TotalExpensesCurrentYear | 0 | 346255 |
| IRS990/TotalExpensesPriorYear | 0 | 480041 |
| IRS990/TotalFunctionalExpenses/Total | 0 | 346255 |
| IRS990/TotalFundrsngExpCurrentYear | 0 | 0 |
| IRS990/TotalGrossUBI | 0 | 0 |
| IRS990/TotalLiabilities/BOY | 0 | 7001096 |
| IRS990/TotalLiabilitiesBOY | 0 | 7001096 |
| IRS990/TotalLiabilities/EOY | 0 | 6871274 |
| IRS990/TotalLiabilitiesEOY | 0 | 6871274 |
| IRS990/TotalLiabNetAssetsFundBalances/BOY | 0 | 10282795 |
| IRS990/TotalLiabNetAssetsFundBalances/EOY | 0 | 10162060 |
| IRS990/TotalNbrEmployees | 0 | 7 |
| IRS990/TotalNbrVolunteers | 0 | 0 |
| IRS990/TotalNetAssetsFundBalances/BOY | 0 | 3281699 |
| IRS990/TotalNetAssetsFundBalances/EOY | 0 | 3290786 |
| IRS990/TotalOtherCompensation | 0 | 0 |
| IRS990/TotalOtherRevenue | 0 | 232 |
| IRS990/TotalOthProgramServiceRevenue/ExclusionAmount | 0 | 6465 |
| IRS990/TotalOthProgramServiceRevenue/TotalRevenueColumn | 0 | 6465 |
| IRS990/TotalProfFundrsngExpCY | 0 | 0 |
| IRS990/TotalProfFundrsngExpPriorYear | 0 | 0 |
| IRS990/TotalProgramServiceRevenue | 0 | 288319 |
| IRS990/TotalReportableCompFrmRltdOrgs | 0 | 0 |
| IRS990/TotalReportableCompFromOrg | 0 | 91625 |
| IRS990/TotalRevenueCurrentYear | 0 | 355341 |
| IRS990/TotalRevenue/ExclusionAmount | 0 | 355109 |
| IRS990/TotalRevenuePriorYear | 0 | 457846 |
| IRS990/TotalRevenue/RelatedOrExemptFunctionIncome | 0 | 232 |
| IRS990/TotalRevenue/TotalRevenueColumn | 0 | 355341 |
| IRS990/TotalRevenue/UnrelatedBusinessRevenue | 0 | 0 |
| IRS990/TransactionRelatedEntity | 0 | 0 |
| IRS990/TypeOfOrganizationCorporation | 0 | X |
| IRS990/UnrelatedBusinessIncome | 0 | 0 |
| IRS990/UponRequest | 0 | X |
| IRS990/WebSite | 0 | HTTP://WORCPOSTALCU.COM/ |
| IRS990/WhistleblowerPolicy | 0 | 0 |
| IRS990/YearFormation | 0 | 1924 |
| ReturnHeader/BuildTS | 0 | 2016-02-24 21:20:13Z |
| ReturnHeader/Filer/EIN | 0 | 041989830 |
| ReturnHeader/Filer/Name/BusinessNameLine1 | 0 | WORCESTER POSTAL CREDIT UNION |
| ReturnHeader/Filer/NameControl | 0 | WORC |
| ReturnHeader/Filer/Phone | 0 | 5087523166 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 4 EAST CENTRAL STREET |
| ReturnHeader/Filer/USAddress/City | 0 | WORCESTER |
| ReturnHeader/Filer/USAddress/State | 0 | MA |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 01613 |
| ReturnHeader/Officer/AuthorizeThirdParty | 0 | 1 |
| ReturnHeader/Officer/DateSigned | 0 | 2012-07-24 |
| ReturnHeader/Officer/Name | 0 | STEPHEN ROSSETTI |
| ReturnHeader/Officer/Phone | 0 | 5087523166 |
| ReturnHeader/Officer/Title | 0 | PRESIDENT |
| ReturnHeader/Preparer/DatePrepared | 0 | 2012-07-24 |
| ReturnHeader/PreparerFirm/EIN | 0 | 043037870 |
| ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine1 | 0 | BOLLUS LYNCH LLP |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1 | 0 | 89 SHREWSBURY STREET |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City | 0 | WORCESTER |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State | 0 | MA |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode | 0 | 01604 |
| ReturnHeader/Preparer/Name | 0 | BARBARA E KING |
| ReturnHeader/Preparer/Phone | 0 | 5087557107 |
| ReturnHeader/ReturnType | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDate | 0 | 2011-01-01 |
| ReturnHeader/TaxPeriodEndDate | 0 | 2011-12-31 |
| ReturnHeader/TaxYear | 0 | 2011 |
| ReturnHeader/Timestamp | 0 | 2012-08-03T12:22:58-05:00 |
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