Civic Intelligence

Brookline Municipal Credit Union

EIN 04-2041245 • 501(c)14 • Brookline, MA

View Organization Page

Profile

Credit union - thrift services

334 Washington StreetBrookline, MA 02445

www.brooklinecu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

49th percentile

0.87x

Higher debt load relative to assets than 49% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

89th percentile

24.68x

Higher debt load relative to revenue than 89% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

63rd percentile

15%

Higher net margin than 63% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

81st percentile

$169,961

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 10.4% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

67th percentile

3.2%

Faster asset growth than 67% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

78th percentile

18%

Faster revenue growth than 78% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets49th percentile

Assets

Up

$46,443,705

Up $1,431,957 (+3.2%) from 2023

Liabilities

Up

$40,362,626

Up $1,193,256 (+3.0%) from 2023

Net Assets

Up

$6,081,079

Up $238,701 (+4.1%) from 2023

Operations
Liabilities / Revenue89th percentileNet Margin63rd percentile

Revenue

Up

$1,635,223

Up $247,610 (+18%) from 2023

Expenses

Up

$1,396,522

Up $218,478 (+19%) from 2023

Net Income

Up

$238,701

Up $29,132 (+14%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth67th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$60M$40M$20M$0Assets 2010: $36,915,722Liabilities 2010: $32,694,993Net Assets 2010: $4,220,7292010Assets 2011: $39,573,140Liabilities 2011: $35,322,568Net Assets 2011: $4,250,5722011Assets 2012: $40,989,146Liabilities 2012: $36,647,251Net Assets 2012: $4,341,8952012Assets 2013: $42,003,301Liabilities 2013: $37,563,897Net Assets 2013: $4,439,4042013Assets 2014: $39,469,852Liabilities 2014: $34,931,174Net Assets 2014: $4,538,6782014Assets 2015: $39,751,235Liabilities 2015: $35,111,508Net Assets 2015: $4,639,7272015Assets 2016: $38,791,563Liabilities 2016: $34,039,327Net Assets 2016: $4,752,2362016Assets 2017: $39,307,229Liabilities 2017: $34,344,960Net Assets 2017: $4,962,2692017Assets 2018: $37,395,478Liabilities 2018: $32,220,506Net Assets 2018: $5,174,9722018Assets 2019: $36,994,970Liabilities 2019: $31,538,006Net Assets 2019: $5,456,9642019Assets 2020: $43,698,071Liabilities 2020: $38,113,335Net Assets 2020: $5,584,7362020Assets 2021: $46,577,949Liabilities 2021: $40,967,020Net Assets 2021: $5,610,9292021Assets 2022: $46,391,767Liabilities 2022: $40,758,958Net Assets 2022: $5,632,8092022Assets 2023: $45,011,748Liabilities 2023: $39,169,370Net Assets 2023: $5,842,3782023Assets 2024: $46,443,705Liabilities 2024: $40,362,626Net Assets 2024: $6,081,0792024

Highlighted filing

2024

Assets$46,443,705
Liabilities$40,362,626
Net Assets$6,081,079
Open 2024 Filing

Operations Trend

Revenue Growth78th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $1,294,0292010Revenue 2011: $1,307,355Expenses 2011: $1,238,297Net Income 2011: $69,0582011Revenue 2012: $1,233,528Expenses 2012: $1,164,248Net Income 2012: $69,2802012Revenue 2013: $1,136,627Expenses 2013: $1,074,294Net Income 2013: $62,3332013Revenue 2014: $1,121,385Expenses 2014: $1,043,545Net Income 2014: $77,8402014Revenue 2015: $1,067,562Expenses 2015: $968,987Net Income 2015: $98,5752015Revenue 2016: $1,066,451Expenses 2016: $977,392Net Income 2016: $89,0592016Revenue 2017: $1,121,147Expenses 2017: $935,784Net Income 2017: $185,3632017Revenue 2018: $1,341,564Expenses 2018: $940,483Net Income 2018: $401,0812018Revenue 2019: $1,225,638Expenses 2019: $943,646Net Income 2019: $281,9922019Revenue 2020: $1,109,708Expenses 2020: $981,936Net Income 2020: $127,7722020Revenue 2021: $945,897Expenses 2021: $919,704Net Income 2021: $26,1932021Revenue 2022: $979,722Expenses 2022: $957,842Net Income 2022: $21,8802022Revenue 2023: $1,387,613Expenses 2023: $1,178,044Net Income 2023: $209,5692023Revenue 2024: $1,635,223Expenses 2024: $1,396,522Net Income 2024: $238,7012024

Highlighted filing

2024

Revenue$1,635,223
Expenses$1,396,522
Net Income$238,701
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$46,443,705
Liabilities
$40,362,626
Net assets
$6,081,079
Revenue
$1,635,223
Expenses
$1,396,522
Net income
$238,701
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.4$40.4$6.08$1.64$1.40$0.24
2023Detailed filing. Detailed filing data is available for this year.$45.0$39.2$5.84$1.39$1.18$0.21
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$46.4$40.8$5.63$0.98$0.96$0.02
2021Detailed filing. Detailed filing data is available for this year.$46.6$41.0$5.61$0.95$0.92$0.03
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.7$38.1$5.58$1.11$0.98$0.13
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$37.0$31.5$5.46$1.23$0.94$0.28
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$37.4$32.2$5.17$1.34$0.94$0.40
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$39.3$34.3$4.96$1.12$0.94$0.19
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$38.8$34.0$4.75$1.07$0.98$0.09
2015Detailed filing. Detailed filing data is available for this year.$39.8$35.1$4.64$1.07$0.97$0.10
2014Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$39.5$34.9$4.54$1.12$1.04$0.08
2013Detailed filing. Detailed filing data is available for this year.$42.0$37.6$4.44$1.14$1.07$0.06
2012Summary only. Only limited summary data is available for this year.$41.0$36.6$4.34$1.23$1.16$0.07
2011Summary only. Only limited summary data is available for this year.$39.6$35.3$4.25$1.31$1.24$0.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.9$32.7$4.22$1.29
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 17, 2025
Return Version
2024v5.0
Gross Receipts
$1,635,223
Mission and Program Overview

Mission

Credit union - thrift services

CREDIT UNION

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$24,473,300$27,485,993▲ $3,012,693
Other Notes and Loans Receivable, Net$14,533,420$14,568,600▲ $35,180
Rtn Earn Endowment Incm Other Fnds$5,842,378$6,081,079▲ $238,701
Investments in Publicly Traded Securities$4,799,827$2,999,904▼ $1,799,923
Cash and Non-Interest-Bearing Accounts$506,068$700,830▲ $194,762
Investments Other Securities$64,500$64,500→ $0
Land, Buildings, and Equipment, Net$42,878$35,162▼ $7,716
Prepaid Expenses and Deferred Charges$16,882--
Total Assets$45,011,748$46,443,705▲ $1,431,957
Other Assets Total$574,873$588,716▲ $13,843
Liabilities
Other Liabilities$39,055,811$40,262,218▲ $1,206,407
Accounts Payable and Accrued Expenses$73,943$62,253▼ $11,690
Escrow Account Liability$39,616$38,155▼ $1,461
Total Liabilities$39,169,370$40,362,626▲ $1,193,256
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,842,378$6,081,079▲ $238,701
Total Liabilities and Net Assets / Fund Balance$45,011,748$46,443,705▲ $1,431,957

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,455$400,456$405,911
Other Land Buildings$19,707$247,131$266,838
Land$10,000-$10,000
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Paul J DemaioPresident anFT$126,117$43,844$169,961
Paul J DemaioPresident and CEO-$126,117$43,844$169,961
Elizabeth a McdonaldTreasurer/cl-$3,025$418$3,443

Board Members and Trustees

NameTitle
Marjorie LalliChairperson
Andrew M PappastergionDirector
Francis M MoroneyDirector
Jennifer Dopazo GilbertDirector
MICHAEL J O'REILLYDirector
Matthew S Baronas1st Vice CHA
Philip J Harrington2nd Vice CHA
DANIEL C O'LEARYAssistant Tr

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservData Processing255 FISERV DRIVE, Brookfield, WI 53045$158,672
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$664,691
Investment Income
$843,576
Other Revenue
$126,956
Change in Net Assets
$238,701

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,635,223
Total Revenue per Audited Statements
$1,635,223
Total Revenue per Form 990
$1,635,223
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$896,021
Salaries, Compensation, and Employee Benefits$500,501
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$429,091
Other Salaries and Wages---$231,527
Current Officers, Directors, Trustees, and Key Employees---$173,404
Information Technology---$121,134
Occupancy---$60,046
Other Employee Benefits---$51,141
Office Expenses---$46,117
Payroll Taxes---$29,220
Fees for Services Accounting---$24,150
All Other Expenses---$18,157
Pension Plan Contributions---$15,209
Other Expenses---$10,278
Insurance---$9,447
Advertising---$7,728
Depreciation Depletion---$7,717
Conferences and Meetings---$5,770
Total Functional Expenses$0$0$0$1,396,522

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,396,522
Total Expenses per Audited Statements$1,396,522
Total Expenses per Form 990$1,396,522
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
Member Deposits$40,262,218
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“Persons who meet the requirements of the organization's field of membership who hold at least one share of the capital.”

Form 990, Page 6, Part VI, Line 7A

“Each member has a vote at the election of the board of directors.”

Form 990, Page 6, Part VI, Line 11B

“The form 990 is reported to the audit committee and the audit committee then reports the filing to the full board of directors. The form 990 is reviewed by management and is documented in the minutes.”

Form 990, Page 6, Part VI, Line 12C

“Directors and employees sign a new conflict of interest form annually.”

Form 990, Page 6, Part VI, Line 15A

“Personnel committee reviews all employee salaries annually in september. Salaries are based on industry and earnings. Salaries are voted and approved by the board of directors.”

Form 990, Page 6, Part VI, Line 15B

“Personnel committee reviews all employee salaries annually in september. Salaries are based on industry and earnings. Salaries are voted and approved by the board of directors.”

Form 990, Page 6, Part VI, Line 19

“Information is posted in the credit union lobby and available upon request.”

Filing and Contact Details

Filer

Filer Name
Brookline Municipal Credit Union
EIN
04-2041245
Phone
6172329410
Address
334 WASHINGTON STREET, BROOKLINE, MA 02445

Signing Officer

Name
Paul J Demaio
Title
President and CEO
Phone
6172329410
Signed
2025-07-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Paul J Demaio
Formed
1939
Legal Domicile
Ma
Voting Board Members
10
Independent Board Members
9
Employees
7
Volunteers
9

Preparer

Firm
Mystic Accounting Group Llp
Address
PO BOX 397, MYSTIC, CT 06355
Preparer
Theodoros Poulopoulos
Phone
8605361040
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“Mortgage escrow accounts held for the payment of real estate taxes for municipalities.”

Schedule D, Page 3, Part X

“The credit union follows fasb accounting standards codification 740-10, accounting for uncertainties in income taxes, and has evaluated its tax positions taken for all open years and has determined that there are no uncertain tax positions that qualify for either recognition or disclosure.”

Raw XML Appendix395 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.

Path#Value
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IRS990/ActivityOrMissionDesc0CREDIT UNION
IRS990/AdvertisingGrp/TotalAmt07728
IRS990/AllOtherExpensesGrp/TotalAmt018157
IRS990/AnnualDisclosureCoveredPrsnInd0true
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IRS990/BooksInCareOfDetail/PhoneNum06172329410
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0334 WASHINGTON STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0BROOKLINE
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IRS990/BooksInCareOfDetail/USAddress/ZIPCd002447
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IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0158672
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0255 FISERV DRIVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0BROOKFIELD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0WI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd053045
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IRS990/ContractorCompensationGrp/ServicesDesc0DATA PROCESSING
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
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IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt07
IRS990/EmploymentTaxReturnsFiledInd0true
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IRS990/Form990PartVIISectionAGrp/PersonNm6FRANCIS M MORONEY
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT AN
IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER/CL
IRS990/Form990PartVIISectionAGrp/TitleTxt21ST VICE CHA
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt42ND VICE CHA
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7ASSISTANT TR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01939
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IRS990/FSAuditedInd0true
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IRS990/IncludeFIN48FootnoteInd0true
IRS990/IndependentAuditFinclStmtInd0true
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IRS990/InfoInScheduleOPartVIInd0X
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt010000
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt019707
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MORTGAGE ESCROW ACCOUNTS HELD FOR THE PAYMENT OF REAL ESTATE TAXES FOR MUNICIPALITIES.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION FOLLOWS FASB ACCOUNTING STANDARDS CODIFICATION 740-10, ACCOUNTING FOR UNCERTAINTIES IN INCOME TAXES, AND HAS EVALUATED ITS TAX POSITIONS TAKEN FOR ALL OPEN YEARS AND HAS DETERMINED THAT THERE ARE NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PERSONS WHO MEET THE REQUIREMENTS OF THE ORGANIZATION'S FIELD OF MEMBERSHIP WHO HOLD AT LEAST ONE SHARE OF THE CAPITAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EACH MEMBER HAS A VOTE AT THE ELECTION OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FORM 990 IS REPORTED TO THE AUDIT COMMITTEE AND THE AUDIT COMMITTEE THEN REPORTS THE FILING TO THE FULL BOARD OF DIRECTORS. THE FORM 990 IS REVIEWED BY MANAGEMENT AND IS DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DIRECTORS AND EMPLOYEES SIGN A NEW CONFLICT OF INTEREST FORM ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4PERSONNEL COMMITTEE REVIEWS ALL EMPLOYEE SALARIES ANNUALLY IN SEPTEMBER. SALARIES ARE BASED ON INDUSTRY AND EARNINGS. SALARIES ARE VOTED AND APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PERSONNEL COMMITTEE REVIEWS ALL EMPLOYEE SALARIES ANNUALLY IN SEPTEMBER. SALARIES ARE BASED ON INDUSTRY AND EARNINGS. SALARIES ARE VOTED AND APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6INFORMATION IS POSTED IN THE CREDIT UNION LOBBY AND AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
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IRS990/USAddress/AddressLine1Txt0334 WASHINGTON STREET
IRS990/USAddress/CityNm0BROOKLINE
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IRS990/USAddress/ZIPCd002447
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.BROOKLINECU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0PAUL J DEMAIO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT AND CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06172329410
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-07-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BROOKLINE MUNICIPAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BROO
ReturnHeader/Filer/EIN0042041245
ReturnHeader/Filer/PhoneNum06172329410
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0MYSTIC ACCOUNTING GROUP LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 397
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MYSTIC
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd006355
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ReturnHeader/PreparerPersonGrp/PreparationDt02025-07-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0THEODOROS POULOPOULOS
ReturnHeader/ReturnTs02025-07-17T13:52:31-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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