Civic Intelligence

Worcester Credit Union

990 • Fiscal year 2012 • EIN 04-1990205

Jan 01, 2012 to Dec 31, 2012 • Filed on Sep 24, 2013

Organization ProfileWWW.WORCESTERCU.COM

View Organization Page

520 W Boylston Street01606
Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$83,157,602

Flat from 2012

Net Assets

Flat

$7,568,728

Flat from 2012

Liabilities

Flat

$75,588,874

Flat from 2012

Revenue And Expenses

Revenue

-

No earlier filing loaded for comparison.

Expenses

Flat

$3,819,728

Flat from 2012

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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 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

2012

Assets$83,157,602
Liabilities$75,588,874
Net Assets$7,568,728
Open 2012 Filing

Operations Trend

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: $4,062,0992011Expenses 2012: $3,819,7282012Revenue 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

2012

Revenue-
Expenses$3,819,728
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Sep 24, 2013
Return Version
2012v2.1
Gross Receipts
$3,714,960
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 426 raw XML fields

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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/Explanation6LOAN SERVICING: TOTAL EXPENSES 85,843. PROVISION FOR LOSSES: TOTAL EXPENSES 75,416. NCUA -CORPORATE ASSESSMENT: TOTAL EXPENSES 68,742. SUPPLIES: TOTAL EXPENSES 52,382. LOAN RECOVERY: TOTAL EXPENSES 38,956. TELEPHONE: TOTAL EXPENSES 35,671. POSTAGE: TOTAL EXPENSES 16,292. STATE AUDIT FEES: TOTAL EXPENSES 12,000. ASSOCIATION DUES: TOTAL EXPENSES 11,811. OTHER EXPENSES: TOTAL EXPENSES 4,418.
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IRS990/TotalOtherRevenue062348
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceRevenue03392158
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg0259334
IRS990/TotalRevenueCurrentYear03714960
IRS990/TotalRevenue/ExclusionAmount0260454
IRS990/TotalRevenuePriorYear04006354
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome03454506
IRS990/TotalRevenue/TotalRevenueColumn03714960
IRS990/TotalRevenue/UnrelatedBusinessRevenue00
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome00
IRS990/UponRequest0X
IRS990/WebSite0WWW.WORCESTERCU.COM
IRS990/WhistleblowerPolicy00
IRS990/YearFormation01998
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0041990205

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$83,157,602
Liabilities
$75,588,874
Net assets
$7,568,728
Revenue
-
Expenses
$3,819,728
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
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$83.2$75.6$7.57$3.82
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