Civic Intelligence

Worcester Credit Union

990 • Fiscal year 2011 • EIN 04-1990205

Jan 01, 2011 to Dec 31, 2011 • Filed on May 15, 2012

Organization ProfileWWW.WORCESTERCU.COM

View Organization Page

520 W Boylston Street01606
Siviq Scores

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

Liabilities / Assets

67th percentile

0.91x

Higher debt load relative to assets than 67% of similar nonprofits.

2011 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

9th percentile

-0.5%

Faster asset growth than 9% of similar nonprofits.

2011 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets67th percentile

Assets

Down

$81,103,309

Down $399,645 (-0.5%) from 2010

Net Assets

Down

$7,670,021

Down $40,311 (-0.5%) from 2010

Liabilities

Down

$73,433,288

Down $359,334 (-0.5%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$4,062,099

Down $83,567 (-2.0%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth9th percentile

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

$150M$100M$50M$0Assets 2010: $81,502,954Liabilities 2010: $73,792,622Net Assets 2010: $7,710,3322010Assets 2011: $81,103,309Liabilities 2011: $73,433,288Net Assets 2011: $7,670,0212011Assets 2012: $83,157,602Liabilities 2012: $75,588,874Net Assets 2012: $7,568,7282012Assets 2013: $81,948,734Liabilities 2013: $74,505,558Net Assets 2013: $7,443,1762013Assets 2014: $78,096,138Liabilities 2014: $70,682,606Net Assets 2014: $7,413,5322014Assets 2015: $76,129,004Liabilities 2015: $68,909,450Net Assets 2015: $7,219,5542015Assets 2016: $78,397,660Liabilities 2016: $70,957,957Net Assets 2016: $7,439,7032016Assets 2017: $80,724,729Liabilities 2017: $73,089,596Net Assets 2017: $7,635,1332017Assets 2018: $80,628,970Liabilities 2018: $72,784,704Net Assets 2018: $7,844,2662018Assets 2019: $81,833,951Liabilities 2019: $73,671,503Net Assets 2019: $8,162,4482019Assets 2020: $106,731,810Liabilities 2020: $97,836,182Net Assets 2020: $8,895,6282020Assets 2021: $107,267,095Liabilities 2021: $98,044,869Net Assets 2021: $9,222,2262021Assets 2022: $105,060,405Liabilities 2022: $98,428,333Net Assets 2022: $6,632,0722022Assets 2023: $98,463,592Liabilities 2023: $90,482,279Net Assets 2023: $7,981,3132023Assets 2024: $96,506,337Liabilities 2024: $87,743,183Net Assets 2024: $8,763,1542024

Highlighted filing

2011

Assets$81,103,309
Liabilities$73,433,288
Net Assets$7,670,021
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $4,145,6662010Expenses 2011: $4,062,0992011Revenue 2012: $3,714,960Expenses 2012: $3,819,728Net Income 2012: -$104,7682012Revenue 2013: $3,607,912Expenses 2013: $3,543,829Net Income 2013: $64,0832013Revenue 2014: $3,441,486Expenses 2014: $3,560,989Net Income 2014: -$119,5032014Revenue 2015: $3,305,518Expenses 2015: $3,467,108Net Income 2015: -$161,5902015Revenue 2016: $3,253,859Expenses 2016: $3,034,588Net Income 2016: $219,2712016Revenue 2017: $3,490,858Expenses 2017: $3,248,728Net Income 2017: $242,1302017Revenue 2018: $3,711,455Expenses 2018: $3,507,023Net Income 2018: $204,4322018Revenue 2019: $3,906,223Expenses 2019: $3,646,969Net Income 2019: $259,2542019Revenue 2020: $3,911,731Expenses 2020: $3,429,308Net Income 2020: $482,4232020Revenue 2021: $3,800,689Expenses 2021: $3,016,123Net Income 2021: $784,5662021Revenue 2022: $3,533,968Expenses 2022: $3,224,289Net Income 2022: $309,6792022Revenue 2023: $4,719,033Expenses 2023: $3,960,168Net Income 2023: $758,8652023Revenue 2024: $4,756,527Expenses 2024: $4,143,677Net Income 2024: $612,8502024

Highlighted filing

2011

Revenue-
Expenses$4,062,099
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 15, 2012
Return Version
2011v1.2
Gross Receipts
$4,006,354
Mission and Program Overview

Mission

Credit union without capital stock organized and operated for mutual purposes and without profit.

Filing and Contact Details

Filer

EIN
04-1990205
Raw XML AppendixShowing 400 of 434 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleO/GeneralExplanation/Explanation1EACH DEPOSITOR HAS VOTING RIGHTS TO ELECT OFFICERS AND BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation2FORM 990 IS PRESENTED TO THE BOARD OF DIRECTORS FOR REVIEW AT THE MONTHLY MEETING BEFORE IT IS FILED.
IRS990ScheduleO/GeneralExplanation/Explanation3THE ANNUAL REVEIW OF THE CEO'S SALARY IS CONDUCTED BY THE BOARD OF DIRECTORS WHO MAKE RECOMMENDATIONS OF COMPENSATION WHEN APPLICABLE. THE USE OF THE COMPANIES VEHICLE IS ALSO VOTED AND APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation4THE ANNUAL REVEIW OF THE CEO'S SALARY IS CONDUCTED BY THE BOARD OF DIRECTORS WHO MAKE RECOMMENDATIONS OF COMPENSATION WHEN APPLICABLE. THE USE OF THE COMPANIES VEHICLE IS ALSO VOTED AND APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation5THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC BY APPOINTMENT.
IRS990ScheduleO/GeneralExplanation/Explanation6PROVISION FOR LOSSES: TOTAL EXPENSES 110,225. EQUIPMENT RENTAL AND MAINTENANCE: TOTAL EXPENSES 88,517. LOAN SERVICING: TOTAL EXPENSES 66,903. SUPPLIES: TOTAL EXPENSES 46,694. LOAN RECOVERY: TOTAL EXPENSES 37,210. TELEPHONE: TOTAL EXPENSES 35,017. POSTAGE: TOTAL EXPENSES 14,155. ASSOCIATION DUES: TOTAL EXPENSES 12,739. STATE AUDIT FEES: TOTAL EXPENSES 11,400. OTHER EXPENSES: TOTAL EXPENSES 3,309.
IRS990ScheduleO/GeneralExplanation/Explanation7NET UNREALIZED GAINS ON INVESTMENTS: 15,434.
IRS990ScheduleO/GeneralExplanation/Identifier0ALL OTHER FUNCTIONAL EXPENSES
IRS990ScheduleO/GeneralExplanation/Identifier1CHANGES IN NET ASSETS OR FUND BALANCES:
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IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7B
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IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 12
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION C, LINE 19
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IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10520 W BOYLSTON STREET
IRS990/TheBooksAreInCareOf/AddressUS/City0WORCESTER
IRS990/TheBooksAreInCareOf/AddressUS/State0MA
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode001606
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10ROBERT HENNIGAN
IRS990/TheBooksAreInCareOf/TelephoneNumber05088539966
IRS990/TotalAssets/BOY081502954
IRS990/TotalAssetsBOY081502954
IRS990/TotalAssets/EOY081103309
IRS990/TotalAssetsEOY081103309
IRS990/TotalCompGT150K01
IRS990/TotalExpensesCurrentYear04062099
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IRS990/TotalGrossUBI00
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IRS990/TotalLiabilitiesBOY073792622
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IRS990/TotalLiabilitiesEOY073433288
IRS990/TotalLiabNetAssetsFundBalances/BOY081502954
IRS990/TotalLiabNetAssetsFundBalances/EOY081103309
IRS990/TotalNbrEmployees038
IRS990/TotalNbrVolunteers00
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IRS990/TotalNetAssetsFundBalances/EOY07670021
IRS990/TotalOtherCompensation024083
IRS990/TotalOtherRevenue0907356
IRS990/TotalProfFundrsngExpCY00
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Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$81,103,309
Liabilities
$73,433,288
Net assets
$7,670,021
Revenue
-
Expenses
$4,062,099
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$96.5$87.7$8.76$4.76$4.14$0.61
2023Detailed filing. Detailed filing data is available for this year.$98.5$90.5$7.98$4.72$3.96$0.76
2022Detailed filing. Detailed filing data is available for this year.$105$98.4$6.63$3.53$3.22$0.31
2021Detailed filing. Detailed filing data is available for this year.$107$98.0$9.22$3.80$3.02$0.78
2020Detailed filing. Detailed filing data is available for this year.$107$97.8$8.90$3.91$3.43$0.48
2019Detailed filing. Detailed filing data is available for this year.$81.8$73.7$8.16$3.91$3.65$0.26
2018Detailed filing. Detailed filing data is available for this year.$80.6$72.8$7.84$3.71$3.51$0.20
2017Detailed filing. Detailed filing data is available for this year.$80.7$73.1$7.64$3.49$3.25$0.24
2016Detailed filing. Detailed filing data is available for this year.$78.4$71.0$7.44$3.25$3.03$0.22
2015Detailed filing. Detailed filing data is available for this year.$76.1$68.9$7.22$3.31$3.47$0.16
2014Detailed filing. Detailed filing data is available for this year.$78.1$70.7$7.41$3.44$3.56$0.12
2013Detailed filing. Detailed filing data is available for this year.$81.9$74.5$7.44$3.61$3.54$0.06
2012Summary only. Only limited summary data is available for this year.$83.2$75.6$7.57$3.71$3.82$0.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$81.1$73.4$7.67$4.06
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$81.5$73.8$7.71$4.15