Civic Intelligence

Southbridge Credit Union

990 • Fiscal year 2021 • EIN 04-2023790

Jan 01, 2021 to Dec 31, 2021 • Filed on May 27, 2022

Organization ProfileWWW.SBGECU.ORG

View Organization Page

155 Main StreetSouthbridge, MA 01550

(508) 765-5454

Siviq Scores

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

Liabilities / Assets

33rd percentile

0.89x

Higher debt load relative to assets than 33% of similar nonprofits.

2021 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2021

Liabilities / Revenue

48th percentile

21.65x

Higher debt load relative to revenue than 48% of similar nonprofits.

2021 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2021

Net Margin

17th percentile

5.4%

Higher net margin than 17% of similar nonprofits.

2021 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2021

Top Officer Pay

71st percentile

$250,732

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 3.0% of source-year revenue.

2021 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2021

Asset Growth

3rd percentile

1.2%

Faster asset growth than 3% of similar nonprofits.

2021 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2020 to 2021

Revenue Growth

19th percentile

-4.7%

Faster revenue growth than 19% of similar nonprofits.

2021 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets33rd percentile

Assets

Up

$204,683,991

Up $2,462,407 (+1.2%) from 2020

Net Assets

Up

$22,906,420

Up $281,512 (+1.2%) from 2020

Liabilities

Up

$181,777,571

Up $2,180,895 (+1.2%) from 2020

Revenue And Expenses
Liabilities / Revenue48th percentileNet Margin17th percentile

Revenue

Down

$8,395,141

Down $409,465 (-4.7%) from 2020

Expenses

Down

$7,941,976

Down $693,855 (-8.0%) from 2020

Net Income

Up

$453,165

Up $284,390 (+169%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth3rd percentile

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

$300M$200M$100M$0Assets 2010: $193,192,045Liabilities 2010: $172,699,443Net Assets 2010: $20,492,6022010Assets 2011: $186,067,396Liabilities 2011: $164,697,328Net Assets 2011: $21,370,0682011Assets 2012: $177,521,744Liabilities 2012: $155,410,612Net Assets 2012: $22,111,1322012Assets 2013: $170,794,240Liabilities 2013: $151,221,760Net Assets 2013: $19,572,4802013Assets 2014: $163,022,697Liabilities 2014: $141,946,135Net Assets 2014: $21,076,5622014Assets 2015: $167,626,310Liabilities 2015: $146,979,206Net Assets 2015: $20,647,1042015Assets 2016: $182,059,861Liabilities 2016: $160,768,098Net Assets 2016: $21,291,7632016Assets 2017: $186,380,188Liabilities 2017: $165,321,134Net Assets 2017: $21,059,0542017Assets 2018: $186,828,744Liabilities 2018: $165,680,518Net Assets 2018: $21,148,2262018Assets 2019: $189,072,301Liabilities 2019: $166,963,160Net Assets 2019: $22,109,1412019Assets 2020: $202,221,584Liabilities 2020: $179,596,676Net Assets 2020: $22,624,9082020Assets 2021: $204,683,991Liabilities 2021: $181,777,571Net Assets 2021: $22,906,4202021Assets 2022: $210,069,860Liabilities 2022: $187,249,351Net Assets 2022: $22,820,5092022Assets 2023: $213,066,598Liabilities 2023: $190,233,381Net Assets 2023: $22,833,2172023Assets 2024: $222,471,452Liabilities 2024: $198,688,494Net Assets 2024: $23,782,9582024

Highlighted filing

2021

Assets$204,683,991
Liabilities$181,777,571
Net Assets$22,906,420
Open 2021 Filing

Operations Trend

Revenue Growth19th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $10,055,2922010Expenses 2011: $9,541,4192011Revenue 2012: $9,579,163Expenses 2012: $8,631,566Net Income 2012: $947,5972012Revenue 2013: $8,481,885Expenses 2013: $8,185,865Net Income 2013: $296,0202013Revenue 2014: $7,579,672Expenses 2014: $7,740,616Net Income 2014: -$160,9442014Revenue 2015: $7,306,007Expenses 2015: $7,836,668Net Income 2015: -$530,6612015Revenue 2016: $8,054,377Expenses 2016: $7,731,385Net Income 2016: $322,9922016Revenue 2017: $8,752,163Expenses 2017: $8,589,565Net Income 2017: $162,5982017Revenue 2018: $8,820,160Expenses 2018: $8,627,254Net Income 2018: $192,9062018Revenue 2019: $9,399,424Expenses 2019: $8,941,507Net Income 2019: $457,9172019Revenue 2020: $8,804,606Expenses 2020: $8,635,831Net Income 2020: $168,7752020Revenue 2021: $8,395,141Expenses 2021: $7,941,976Net Income 2021: $453,1652021Revenue 2022: $9,370,814Expenses 2022: $8,248,124Net Income 2022: $1,122,6902022Revenue 2023: $10,589,215Expenses 2023: $10,331,619Net Income 2023: $257,5962023Revenue 2024: $11,878,282Expenses 2024: $11,430,592Net Income 2024: $447,6902024

Highlighted filing

2021

Revenue$8,395,141
Expenses$7,941,976
Net Income$453,165
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
May 27, 2022
Return Version
2021v4.2
Gross Receipts
$8,395,141
Mission and Program Overview

Mission

Provide financial products and personalized services that will assist our members in achieving their financial goals.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$148,523,668$153,050,871▲ $4,527,203
Rtn Earn Endowment Incm Other Fnds$22,624,908$22,906,420▲ $281,512
Investments in Publicly Traded Securities$13,743,581$18,927,846▲ $5,184,265
Savings and Temporary Cash Investments$23,535,218$18,096,366▼ $5,438,852
Land, Buildings, and Equipment, Net$5,534,446$5,171,310▼ $363,136
Cash and Non-Interest-Bearing Accounts$1,158,739$1,421,699▲ $262,960
Accounts Receivable$492,293$473,338▼ $18,955
Investments Other Securities$762,900$385,700▼ $377,200
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$202,221,584$204,683,991▲ $2,462,407
Other Assets Total$8,470,739$7,156,861▼ $1,313,878
Liabilities
Other Liabilities$178,881,254$180,985,211▲ $2,103,957
Escrow Account Liability$509,567$564,516▲ $54,949
Accounts Payable and Accrued Expenses$205,855$227,844▲ $21,989
Total Liabilities$179,596,676$181,777,571▲ $2,180,895
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,624,908$22,906,420▲ $281,512
Total Liabilities and Net Assets / Fund Balance$202,221,584$204,683,991▲ $2,462,407

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,161,485$3,415,730$6,577,215
Leasehold Improvements$1,207,066$1,148,264$2,355,330
Equipment$379,778$1,948,958$2,328,736
Other Land Buildings$178,981$480,923$659,904
Land$244,000-$244,000
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Katherine R RoyPresident/ CEOFT$216,410$34,322$250,732
Jeffrey CanniffCFO/treasurerFT$169,653$15,796$185,449
Chad MooreVP Consumer & Mortgage LendingFT$106,478$25,313$131,791
Barbara PalmerVP Retail & Branch DevelopmentFT$103,320$15,603$118,923
John a LaflecheBoard Chair/director-$12,500-$12,500

Board Members and Trustees

NameTitle
Phil Cyr1st Vice Chair/director
James Keyes2nd Vice Chair/director
Amy HowardDirector
Benjamin TullyDirector
Jose DingaiDirector
Madaline I BonadeiesDirector
Michelle M AndersonDirector
Rebecca BrusoDirector
Robert CapreraDirector
William TrifoneDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,131,965
Investment Income
$134,852
Other Revenue
$1,128,324
Change in Net Assets
$453,165

Audited Revenue Reconciliation

Revenue per Audited Statements
$8,395,141
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$52,604
Total Revenue per Audited Statements
$8,447,745
Total Revenue per Form 990
$8,395,141
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,787,016
Salaries, Compensation, and Employee Benefits$3,049,780
Grants and Similar Amounts Paid$105,180
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,682,231
Occupancy---$765,871
Information Technology---$741,376
Current Officers, Directors, Trustees, and Key Employees---$608,361
Interest---$589,608
Depreciation Depletion---$476,587
Other Employee Benefits---$425,803
Advertising---$329,364
All Other Expenses---$262,373
Office Expenses---$234,510
Payroll Taxes---$183,729
Other Expenses---$174,109
Pension Plan Contributions---$149,656
Fees for Services Accounting---$145,354
Grants to Domestic Orgs---$98,180
Fees for Services Legal---$23,899
Insurance---$12,554
Grants to Domestic Individuals---$7,000
Travel---$6,131
Fees for Service Investment Mgmnt Fees---$1,620
Total Functional Expenses$0$0$0$7,941,976

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$7,941,976
Total Expenses per Audited Statements$7,941,976
Total Expenses per Form 990$7,941,976
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Old Sturbridge VillageSturbridge, MA501(c)(3)Exempt Purpose$10,000
Tri Community YmcaSouthbridge, MA501(c)(3)Exempt Purpose$6,000
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deposits$178,186,400
Fhlb Borrowings$2,176,953
Other Liabilities$621,858
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
No
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 unions is a members only credit union chartered in massachusetts. Membership in the southbridge credit union is available to persons, businesses and organizations that are either residing, working or operating within our sphere of operation. This is the massachusetts counties of worcester, bristol, franklin, hampshire, norfolk, hampden, windham and middlesex, and within a 25-miles radius of our main branch, in southbridge, which borders connecticut.”

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

“The members vote for the board of directors at the annual meeting and vote on all business presented at the annual meeting.”

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

“The members vote for the board of directors at the annual meeting and vote on all business presented at the annual meeting.”

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

“By board approval form 990 will be reviewed by southbridge credit union's treasurer/cfo or president/ceo prior to being filed.”

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

“The credit union has a conflict of interest policy in place. The board of directors review the conflict of interest policy annaully.”

Form 990, Part VI, Section B, Line 15A

“Compensation of president/ceo: the southbridge credit union's personnel committee completes an employee evaluation on the president/ceo and then the evaluation and compensation recommendation is brought to the southbridge credit union's board for approval. The president/ceo completes an employee evaluation for all other southbridge credit union's officers and approves the compensation staying within the current year's budget which had been approved by the board of directors.”

Form 990, Part VI, Section C, Line 19

“Documents available to public, southbridge credit union's audit committee signs a monthly statement of condition, which is posted in the lobby of each branch location the third week of each month. All other governing documents and conflict of interest policy are available upon request.”

Filing and Contact Details

Filer

Filer Name
Southbridge Credit Union
EIN
04-2023790
Phone
5087655454
Address
155 MAIN STREET, SOUTHBRIDGE, MA 01550

Signing Officer

Name
Jeff Canniff
Title
Treasurer/CFO
Phone
5087655454
Signed
2022-05-27
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jeff Canniff
Formed
1938
Legal Domicile
Ma
Voting Board Members
11
Independent Board Members
10
Employees
53
Volunteers
10

Preparer

Firm
Wolf & Company Pc
Address
255 STATE STREET, BOSTON, MA 02109
Preparer
Harry a Kalajian Jr CPA
Phone
6174399700
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Csv life insurance 52,604.”

FORM 990, PART XII, LINE 2C:

“There was no change in the oversight process or selection process during the tax year 2021.”

Financial Statement Notes

PART IV, LINE 2B:

“An escrow account is maintained for each mortgage where escrow of real estate taxes & home owners insurance is required. The credit union complies with all federal & state laws regarding disclosures and operation of these accounts.”

PART X, LINE 2:

“Tax positions taken or expected to be taken, including the position that the credit union qualifies as a tax exempt entity, are required to be evaluated to determine whether the tax positions are "more-likely-than-not" to be upheld under regulatory review. Tax positions not deemed to meet the more-likely-than-not threshold would be accrued and disclosed in the financial statements. There are no uncertain tax positions that require accrual or disclosure at december 31, 2021 or 2020. The credit union records interest and penalties as part of income tax expense. No interest or penalties were recorded for the years ended december 31, 2021 or 2020. The credit union's tax returns for fiscal years ended december 31, 2018 to present are subject to review by federal and state taxing authorities.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Csv life insurance 52,604.”

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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/TitleTxt02ND VICE CHAIR/DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11ST VICE CHAIR/DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD CHAIR/DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11PRESIDENT/ CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CFO/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP CONSUMER & MORTGAGE LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP RETAIL & BRANCH DEVELOPMENT
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01938
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt07000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt098180
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt08395141
IRS990/GrossRentsGrp/RealAmt069908
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt04
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0741376
IRS990/InsuranceGrp/TotalAmt012554
IRS990/InterestGrp/TotalAmt0589608
IRS990/InvestmentIncomeGrp/ExclusionAmt0134852
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0134852
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0762900
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0385700
IRS990/InvestmentsPubTradedSecGrp/BOYAmt013743581
IRS990/InvestmentsPubTradedSecGrp/EOYAmt018927846
IRS990/IRPDocumentCnt03346
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt06993875
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05534446
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05171310
IRS990/LandBldgEquipCostOrOtherBssAmt012165185
IRS990/LegalDomicileStateCd0MA
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PROVIDE FINANCIAL PRODUCTS AND PERSONALIZED SERVICES THAT WILL ASSIST OUR MEMBERS IN ACHIEVING THEIR FINANCIAL GOALS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt022624908
IRS990/NetAssetsOrFundBalancesEOYAmt022906420
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt069908
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt069908
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-224257
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0765871
IRS990/OfficeExpensesGrp/TotalAmt0234510
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt08470739
IRS990/OtherAssetsTotalGrp/EOYAmt07156861
IRS990/OtherChangesInNetAssetsAmt052604
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0425803
IRS990/OtherExpensesGrp/Desc0ATM & DEBIT CARD PROCES
IRS990/OtherExpensesGrp/Desc1CONSULTANT FEES
IRS990/OtherExpensesGrp/Desc2KASASA REWARDS
IRS990/OtherExpensesGrp/Desc3SERVICE CHARGES
IRS990/OtherExpensesGrp/TotalAmt0541318
IRS990/OtherExpensesGrp/TotalAmt1258078
IRS990/OtherExpensesGrp/TotalAmt2224264
IRS990/OtherExpensesGrp/TotalAmt3174109
IRS990/OtherLiabilitiesGrp/BOYAmt0178881254
IRS990/OtherLiabilitiesGrp/EOYAmt0180985211
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/BusinessCd1900099
IRS990/OtherRevenueMiscGrp/Desc0ATM SERVICE FEES
IRS990/OtherRevenueMiscGrp/Desc1OTHER INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0889459
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1168957
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0889459
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1168957
IRS990/OtherRevenueTotalAmt01058416
IRS990/OtherSalariesAndWagesGrp/TotalAmt01682231
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0148523668
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0153050871
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0183729
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0149656
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0JEFF CANNIFF
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & COMMISSIONS
IRS990/ProgramServiceRevenueGrp/Desc2BORROWER'S INSURANCE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06281342
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1826693
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt223930
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06281342
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1826693
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt223930
IRS990/ProgSrvcAccomActy2Grp/Desc0INTEREST PAID ON SHARE ACCOUNTS $468,977.
IRS990/ProgSrvcAccomActy3Grp/Desc0SAFE DEPOSIT BOXES RENTALS $14,065.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt069163
IRS990/PYInvestmentIncomeAmt0254099
IRS990/PYOtherExpensesAmt05384824
IRS990/PYOtherRevenueAmt0975410
IRS990/PYProgramServiceRevenueAmt07575097
IRS990/PYRevenuesLessExpensesAmt0168775
IRS990/PYSalariesCompEmpBnftPaidAmt03181844
IRS990/PYTotalExpensesAmt08635831
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08804606
IRS990/ReconcilationRevenueExpnssAmt0453165
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt069908
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt022624908
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt022906420
IRS990/SavingsAndTempCashInvstGrp/BOYAmt023535218
IRS990/SavingsAndTempCashInvstGrp/EOYAmt018096366
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03161485
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03415730
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06577215
IRS990ScheduleD/EquipmentGrp/BookValueAmt0379778
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01948958
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02328736
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt07941976
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt0244000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0244000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01207066
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01148264
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt02355330
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0178981
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0480923
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0659904
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0178186400
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt12176953
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2621858
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1FHLB BORROWINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2OTHER LIABILITIES
IRS990ScheduleD/OtherRevenueAmt052604
IRS990ScheduleD/RevenueNotReportedAmt052604
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt08395141
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0AN ESCROW ACCOUNT IS MAINTAINED FOR EACH MORTGAGE WHERE ESCROW OF REAL ESTATE TAXES & HOME OWNERS INSURANCE IS REQUIRED. THE CREDIT UNION COMPLIES WITH ALL FEDERAL & STATE LAWS REGARDING DISCLOSURES AND OPERATION OF THESE ACCOUNTS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN, INCLUDING THE POSITION THAT THE CREDIT UNION QUALIFIES AS A TAX EXEMPT ENTITY, ARE REQUIRED TO BE EVALUATED TO DETERMINE WHETHER THE TAX POSITIONS ARE "MORE-LIKELY-THAN-NOT" TO BE UPHELD UNDER REGULATORY REVIEW. TAX POSITIONS NOT DEEMED TO MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE ACCRUED AND DISCLOSED IN THE FINANCIAL STATEMENTS. THERE ARE NO UNCERTAIN TAX POSITIONS THAT REQUIRE ACCRUAL OR DISCLOSURE AT DECEMBER 31, 2021 OR 2020. THE CREDIT UNION RECORDS INTEREST AND PENALTIES AS PART OF INCOME TAX EXPENSE. NO INTEREST OR PENALTIES WERE RECORDED FOR THE YEARS ENDED DECEMBER 31, 2021 OR 2020. THE CREDIT UNION'S TAX RETURNS FOR FISCAL YEARS ENDED DECEMBER 31, 2018 TO PRESENT ARE SUBJECT TO REVIEW BY FEDERAL AND STATE TAXING AUTHORITIES.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2CSV LIFE INSURANCE 52,604.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05171310
IRS990ScheduleD/TotalExpensesPerForm990Amt07941976
IRS990ScheduleD/TotalLiabilityAmt0180985211
IRS990ScheduleD/TotalRevenuePerForm990Amt08395141
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt08447745
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt07941976
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt07000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SCHOLARHIPS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt07
IRS990ScheduleI/RecipientTable/CashGrantAmt06000
IRS990ScheduleI/RecipientTable/CashGrantAmt110000
IRS990ScheduleI/RecipientTable/IRCSectionDesc0501(C)(3)
IRS990ScheduleI/RecipientTable/IRCSectionDesc1501(C)(3)
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt00
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt10
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0EXEMPT PURPOSE
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt1EXEMPT PURPOSE
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0TRI COMMUNITY YMCA
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt1OLD STURBRIDGE VILLAGE
IRS990ScheduleI/RecipientTable/RecipientEIN0042105873
IRS990ScheduleI/RecipientTable/RecipientEIN1042104809
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt043 EVERETT ST
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt11 OLD STURBRIDGE VILLAGE RD
IRS990ScheduleI/RecipientTable/USAddress/CityNm0SOUTHBRIDGE
IRS990ScheduleI/RecipientTable/USAddress/CityNm1STURBRIDGE
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd0MA
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd1MA
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd001550
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd101566
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0SCHOLARSHIP APPLICATIONS ARE REVIEWED FOR COMPLETION/INCLUSION OF ALL CATEGORIES SET FORTH BY THE CREDIT UNION. THE GRANT COMMITTEE MEMBERS PERFORM A FINAL REVIEW AND MAKE THE FINAL SELECTION BASED ON THE CRITERIA SET FORTH BY THE CREDIT UNION.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2:
IRS990ScheduleI/Total501c3OrgCnt02
IRS990ScheduleI/TotalOtherOrgCnt02
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0216410
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1169653
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$204,683,991
Liabilities
$181,777,571
Net assets
$22,906,420
Revenue
$8,395,141
Expenses
$7,941,976
Net income
$453,165
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$222$199$23.8$11.9$11.4$0.45
2023Detailed filing. Detailed filing data is available for this year.$213$190$22.8$10.6$10.3$0.26
2022Detailed filing. Detailed filing data is available for this year.$210$187$22.8$9.37$8.25$1.12
2021Detailed filing. Detailed filing data is available for this year.$205$182$22.9$8.40$7.94$0.45
2020Detailed filing. Detailed filing data is available for this year.$202$180$22.6$8.80$8.64$0.17
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$189$167$22.1$9.40$8.94$0.46
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$187$166$21.1$8.82$8.63$0.19
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$186$165$21.1$8.75$8.59$0.16
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$182$161$21.3$8.05$7.73$0.32
2015Detailed filing. Detailed filing data is available for this year.$168$147$20.6$7.31$7.84$0.53
2014Detailed filing. Detailed filing data is available for this year.$163$142$21.1$7.58$7.74$0.16
2013Detailed filing. Detailed filing data is available for this year.$171$151$19.6$8.48$8.19$0.30
2012Summary only. Only limited summary data is available for this year.$178$155$22.1$9.58$8.63$0.95
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$186$165$21.4$9.54
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$193$173$20.5$10.1