Civic Intelligence

Energy Credit Union

990 • Fiscal year 2013 • EIN 04-2079800

Jan 01, 2013 to Dec 31, 2013 • Filed on May 28, 2014

Organization ProfileN/A

View Organization Page

156 Spring StreestWest Roxbury, MA 02132

(617) 325-1999

Siviq Scores

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

Liabilities / Assets

13th percentile

0.83x

Higher debt load relative to assets than 13% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

92nd percentile

26.74x

Higher debt load relative to revenue than 92% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

1st percentile

-54%

Higher net margin than 1% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

83rd percentile

$176,328

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 6.5% of source-year revenue.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Asset Growth

7th percentile

-4.0%

Faster asset growth than 7% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets13th percentile

Assets

Down

$87,435,286

Down $3,634,219 (-4.0%) from 2012

Net Assets

Down

$14,754,029

Down $1,568,951 (-9.6%) from 2012

Liabilities

Down

$72,681,257

Down $2,065,268 (-2.8%) from 2012

Revenue And Expenses
Liabilities / Revenue92nd percentileNet Margin1st percentile

Revenue

$2,717,765

No earlier filing loaded for comparison.

Expenses

Up

$4,182,649

Up $911,936 (+28%) from 2012

Net Income

-$1,464,884

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth7th percentile

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

$150M$100M$50M$0Assets 2010: $96,756,004Liabilities 2010: $80,536,269Net Assets 2010: $16,219,7352010Assets 2011: $91,651,687Liabilities 2011: $75,339,176Net Assets 2011: $16,312,5112011Assets 2012: $91,069,505Liabilities 2012: $74,746,525Net Assets 2012: $16,322,9802012Assets 2013: $87,435,286Liabilities 2013: $72,681,257Net Assets 2013: $14,754,0292013Assets 2014: $85,125,157Liabilities 2014: $69,718,202Net Assets 2014: $15,406,9552014Assets 2015: $80,985,291Liabilities 2015: $65,877,106Net Assets 2015: $15,108,1852015Assets 2016: $81,049,534Liabilities 2016: $66,143,218Net Assets 2016: $14,906,3162016Assets 2017: $83,425,938Liabilities 2017: $68,562,344Net Assets 2017: $14,863,5942017Assets 2018: $90,949,634Liabilities 2018: $76,031,451Net Assets 2018: $14,918,1832018Assets 2019: $92,552,941Liabilities 2019: $76,855,822Net Assets 2019: $15,697,1192019Assets 2020: $103,907,505Liabilities 2020: $87,829,288Net Assets 2020: $16,078,2172020Assets 2021: $110,350,166Liabilities 2021: $94,436,375Net Assets 2021: $15,913,7912021Assets 2022: $133,032,845Liabilities 2022: $115,770,174Net Assets 2022: $17,262,6712022Assets 2023: $129,582,050Liabilities 2023: $111,268,926Net Assets 2023: $18,313,1242023Assets 2024: $131,307,492Liabilities 2024: $112,280,648Net Assets 2024: $19,026,8442024

Highlighted filing

2013

Assets$87,435,286
Liabilities$72,681,257
Net Assets$14,754,029
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $4,081,6492010Expenses 2011: $3,494,8882011Expenses 2012: $3,270,7132012Revenue 2013: $2,717,765Expenses 2013: $4,182,649Net Income 2013: -$1,464,8842013Revenue 2014: $3,135,047Expenses 2014: $3,160,390Net Income 2014: -$25,3432014Revenue 2015: $2,925,248Expenses 2015: $3,035,735Net Income 2015: -$110,4872015Revenue 2016: $2,925,017Expenses 2016: $2,868,814Net Income 2016: $56,2032016Revenue 2017: $2,845,732Expenses 2017: $2,760,406Net Income 2017: $85,3262017Revenue 2018: $3,336,644Expenses 2018: $3,108,090Net Income 2018: $228,5542018Revenue 2019: $3,695,624Expenses 2019: $3,345,594Net Income 2019: $350,0302019Revenue 2020: $3,632,839Expenses 2020: $3,432,271Net Income 2020: $200,5682020Revenue 2021: $3,598,268Expenses 2021: $3,417,357Net Income 2021: $180,9112021Revenue 2022: $4,195,171Expenses 2022: $3,517,053Net Income 2022: $678,1182022Revenue 2023: $5,479,399Expenses 2023: $4,868,200Net Income 2023: $611,1992023Revenue 2024: $6,088,465Expenses 2024: $5,536,856Net Income 2024: $551,6092024

Highlighted filing

2013

Revenue$2,717,765
Expenses$4,182,649
Net Income-$1,464,884
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 28, 2014
Return Version
2013v3.0
Gross Receipts
$21,591,764
Mission and Program Overview

Mission

Energy credit union is a state chartered credit union. The credit union provides deposit and loan services to its members. Its primary deposit products are savings, checking and term certificate accounts and its primary lending products are residential mortgage and consumer loans.

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$44,388,517$38,002,234▼ $6,386,283
Investments in Publicly Traded Securities$10,791,238$23,784,452▲ $12,993,214
Savings and Temporary Cash Investments$27,076,158$18,689,043▼ $8,387,115
Rtn Earn Endowment Incm Other Fnds$16,322,980$14,754,029▼ $1,568,951
Land, Buildings, and Equipment, Net$3,640,720$3,209,783▼ $430,937
Cash and Non-Interest-Bearing Accounts$2,918,481$1,489,777▼ $1,428,704
Receivables From Officers Etc$816,762$785,432▼ $31,330
Prepaid Expenses and Deferred Charges$114,401$128,585▲ $14,184
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$91,069,505$87,435,286▼ $3,634,219
Other Assets Total$1,323,228$1,345,980▲ $22,752
Liabilities
Other Liabilities$73,880,652$71,387,937▼ $2,492,715
Accounts Payable and Accrued Expenses$865,873$1,293,320▲ $427,447
Total Liabilities$74,746,525$72,681,257▼ $2,065,268
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,322,980$14,754,029▼ $1,568,951
Total Liabilities and Net Assets / Fund Balance$91,069,505$87,435,286▼ $3,634,219

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,252,471$246,668$2,499,139
Land$700,000-$700,000
Other Land Buildings$175,524$123,458$298,982
Leasehold Improvements$81,788$206,316$288,104
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Paul N NocePresident & CEOFT$172,206$4,122$176,328
Marie PrevettDirector & COOFT$102,723-$102,723
Thomas P HessionVice President & CFOFT$4,154-$4,154

Board Members and Trustees

NameTitle
Barbara KelleherDirector, Chairperson
Paul RichardsonDirector, Vice Chairperson
Bernard DohertyDirector
DANIEL O'CONNELLDirector
Deborah CasnaDirector
Joseph C CarrollDirector
Robert TedescoDirector
William GoodwinDirector
Diane DuhaimeDirector, Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Connecticut Online (cocc)Data Processing-$255,821
ElanData Processing-$151,749
Diebold INCAtm Services-$108,404
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,337,865
Investment Income
$152,483
Other Revenue
$227,417
Change in Net Assets
$-1,464,884

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,717,765
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$2,717,765
Total Revenue per Form 990
$2,717,765
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,152,567
Salaries, Compensation, and Employee Benefits$1,030,082
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$746,877-$746,877
Interest-$476,628-$476,628
Information Technology-$476,085-$476,085
Current Officers, Directors, Trustees, and Key Employees-$283,205-$283,205
Depreciation Depletion-$242,525-$242,525
Other Expenses-$197,766-$197,766
Occupancy-$159,682-$159,682
Fees for Services Legal-$138,356-$138,356
Fees for Services Accounting-$89,506-$89,506
Insurance-$81,610-$81,610
All Other Expenses-$57,168-$57,168
Advertising-$47,222-$47,222
Conferences and Meetings-$35,829-$35,829
Office Expenses-$28,855-$28,855
Total Functional Expenses$0$4,182,649$0$4,182,649

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,182,649
Total Expenses per Audited Statements$4,182,649
Total Expenses per Form 990$4,182,649
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$816,762$785,432▼ $31,330
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposit Accounts$71,387,937
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
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, Part VI, Section A, Line 2

“Paul noce's brother-in-law is the president of wyatt's inc. It consulting of $30,000 was paid to wyatt's inc. During 2013.”

Form 990, Part VI, Section A, Line 6

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

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

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

Form 990, Part VI, Section B, Line 11

“The form 990 will be reveiwed once completed. Due to timing between completion and filing due date, the review may be subsequent to filing. The boards actions are noted in the minutes.”

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

“Directors sign off that they have read and understand the conflict of interest policy.”

Form 990, Part VI, Section B, Line 15

“Board approves compensation based upon performance & industry.”

Form 990, Part VI, Section C, Line 19

“Financials are available on ncua.gov website and posted at the credit union. Other information is available upon request.”

Filing and Contact Details

Filer

EIN
04-2079800
Phone
6173251999

Signing Officer

Name
Paul N Noce
Title
President & CEO
Phone
6173251999
Signed
2014-05-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Paul N Noce
Legal Domicile
Ma
Voting Board Members
10
Independent Board Members
9
Employees
14
Volunteers
9

Preparer

Preparer
David St Yves
Phone
6177429666
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“The credit union recognizes and measures its unrecognized tax positions in accordance with fasb asc 740, income taxes. Under the guidance the credit union assesses the likelihood, based on their technical merit, that tax positions will be sustained upon examination based ont he facts, circumstances and information available at the end of each period. The measurement of unrecognized tax positions is adjusted when new information is available, or when an event occurs that requires a change. The credit union's policy is to analyze its tax positions for all open years. The credit union has not identified any uncertain tax positions requiring accrual or disclosure at december 31, 2013. Interest and penalities, if any, associated with uncertain tax positions would be classified as other expense in the statement of income. The credit union's income tax returns are subject to review and examination by federal and state taxing authorities; however, there are currently no examinations for any tax periods in progress. Management of the credit union believes it is no longer subject to examination for tax years prior to 2010.”

Raw XML AppendixShowing 400 of 594 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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IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR, TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR, CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR & COO
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR, VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10VICE PRESIDENT & CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11PRESIDENT & CEO
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt018654669
IRS990/GrossReceiptsAmt021591764
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt0476085
IRS990/InformationTechnologyGrp/TotalAmt0476085
IRS990/InsuranceGrp/ManagementAndGeneralAmt081610
IRS990/InsuranceGrp/TotalAmt081610
IRS990/InterestGrp/ManagementAndGeneralAmt0476628
IRS990/InterestGrp/TotalAmt0476628
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0371813
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0371813
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt010791238
IRS990/InvestmentsPubTradedSecGrp/EOYAmt023784452
IRS990/IRPDocumentCnt01463
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0576442
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03640720
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03209783
IRS990/LandBldgEquipCostOrOtherBssAmt03786225
IRS990/LegalDomicileStateCd0MA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt018873999
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0ENERGY CREDIT UNION IS A STATE CHARTERED CREDIT UNION. THE CREDIT UNION PROVIDES DEPOSIT AND LOAN SERVICES TO ITS MEMBERS. ITS PRIMARY DEPOSIT PRODUCTS ARE SAVINGS, CHECKING AND TERM CERTIFICATE ACCOUNTS AND ITS PRIMARY LENDING PRODUCTS ARE RESIDENTIAL MORTGAGE AND CONSUMER LOANS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt016322980
IRS990/NetAssetsOrFundBalancesEOYAmt014754029
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-219330
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-219330
IRS990/NetUnrelatedBusTxblIncmAmt0-73758
IRS990/NetUnrlzdGainsLossesInvstAmt0-104067
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt0159682
IRS990/OccupancyGrp/TotalAmt0159682
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt028855
IRS990/OfficeExpensesGrp/TotalAmt028855
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01323228
IRS990/OtherAssetsTotalGrp/EOYAmt01345980
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc2EQUIPMENT MAINTENANCE
IRS990/OtherExpensesGrp/Desc3LOSS ON ABANDONMENT
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0521202
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1327960
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2272173
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3197766
IRS990/OtherExpensesGrp/TotalAmt0521202
IRS990/OtherExpensesGrp/TotalAmt1327960
IRS990/OtherExpensesGrp/TotalAmt2272173
IRS990/OtherExpensesGrp/TotalAmt3197766
IRS990/OtherLiabilitiesGrp/BOYAmt073880652
IRS990/OtherLiabilitiesGrp/EOYAmt071387937
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/BusinessCd1900099
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
IRS990/OtherRevenueMiscGrp/Desc1SERVICE CHARGES & FEES
IRS990/OtherRevenueMiscGrp/Desc2ATM FEES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0160012
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt145036
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0160012
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt145036
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt222369
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt022369
IRS990/OtherRevenueTotalAmt0227417
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0746877
IRS990/OtherSalariesAndWagesGrp/TotalAmt0746877
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt044388517
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt038002234
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0114401
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0128585
IRS990/PrincipalOfficerNm0PAUL N NOCE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02337865
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02337865
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0380288
IRS990/PYOtherExpensesAmt02216922
IRS990/PYOtherRevenueAmt0191556
IRS990/PYProgramServiceRevenueAmt02699750
IRS990/PYRevenuesLessExpensesAmt0881
IRS990/PYSalariesCompEmpBnftPaidAmt01053791
IRS990/PYTotalExpensesAmt03270713
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03271594
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0816762
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0785432
IRS990/ReconcilationRevenueExpnssAmt0-1464884
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt016322980
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014754029
IRS990/SavingsAndTempCashInvstGrp/BOYAmt027076158
IRS990/SavingsAndTempCashInvstGrp/EOYAmt018689043
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02252471
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0246668
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02499139
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt04182649
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LandGrp/BookValueAmt0700000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0700000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt081788
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0206316
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0288104
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0175524
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0123458
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0298982
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt071387937
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND DEPOSIT ACCOUNTS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt02717765
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION RECOGNIZES AND MEASURES ITS UNRECOGNIZED TAX POSITIONS IN ACCORDANCE WITH FASB ASC 740, INCOME TAXES. UNDER THE GUIDANCE THE CREDIT UNION ASSESSES THE LIKELIHOOD, BASED ON THEIR TECHNICAL MERIT, THAT TAX POSITIONS WILL BE SUSTAINED UPON EXAMINATION BASED ONT HE FACTS, CIRCUMSTANCES AND INFORMATION AVAILABLE AT THE END OF EACH PERIOD. THE MEASUREMENT OF UNRECOGNIZED TAX POSITIONS IS ADJUSTED WHEN NEW INFORMATION IS AVAILABLE, OR WHEN AN EVENT OCCURS THAT REQUIRES A CHANGE. THE CREDIT UNION'S POLICY IS TO ANALYZE ITS TAX POSITIONS FOR ALL OPEN YEARS. THE CREDIT UNION HAS NOT IDENTIFIED ANY UNCERTAIN TAX POSITIONS REQUIRING ACCRUAL OR DISCLOSURE AT DECEMBER 31, 2013. INTEREST AND PENALITIES, IF ANY, ASSOCIATED WITH UNCERTAIN TAX POSITIONS WOULD BE CLASSIFIED AS OTHER EXPENSE IN THE STATEMENT OF INCOME. THE CREDIT UNION'S INCOME TAX RETURNS ARE SUBJECT TO REVIEW AND EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES; HOWEVER, THERE ARE CURRENTLY NO EXAMINATIONS FOR ANY TAX PERIODS IN PROGRESS. MANAGEMENT OF THE CREDIT UNION BELIEVES IT IS NO LONGER SUBJECT TO EXAMINATION FOR TAX YEARS PRIOR TO 2010.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03209783
IRS990ScheduleD/TotalExpensesPerForm990Amt04182649
IRS990ScheduleD/TotalLiabilityAmt071387937
IRS990ScheduleD/TotalRevenuePerForm990Amt02717765
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02717765
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt04182649
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0172206
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount04122
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0PAUL N NOCE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0176328
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0705
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1162789
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2570
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt314375
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt467384
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt5304328
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt666458
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt726378
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt845833
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt93252
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1073873
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1113643
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt124491
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt131353
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd71
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd81

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$87,435,286
Liabilities
$72,681,257
Net assets
$14,754,029
Revenue
$2,717,765
Expenses
$4,182,649
Net income
-$1,464,884
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$131$112$19.0$6.09$5.54$0.55
2023Detailed filing. Detailed filing data is available for this year.$130$111$18.3$5.48$4.87$0.61
2022Detailed filing. Detailed filing data is available for this year.$133$116$17.3$4.20$3.52$0.68
2021Detailed filing. Detailed filing data is available for this year.$110$94.4$15.9$3.60$3.42$0.18
2020Detailed filing. Detailed filing data is available for this year.$104$87.8$16.1$3.63$3.43$0.20
2019Detailed filing. Detailed filing data is available for this year.$92.6$76.9$15.7$3.70$3.35$0.35
2018Detailed filing. Detailed filing data is available for this year.$90.9$76.0$14.9$3.34$3.11$0.23
2017Detailed filing. Detailed filing data is available for this year.$83.4$68.6$14.9$2.85$2.76$0.09
2016Detailed filing. Detailed filing data is available for this year.$81.0$66.1$14.9$2.93$2.87$0.06
2015Detailed filing. Detailed filing data is available for this year.$81.0$65.9$15.1$2.93$3.04$0.11
2014Detailed filing. Detailed filing data is available for this year.$85.1$69.7$15.4$3.14$3.16$0.03
2013Detailed filing. Detailed filing data is available for this year.$87.4$72.7$14.8$2.72$4.18$1.46
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$91.1$74.7$16.3$3.27
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$91.7$75.3$16.3$3.49
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$96.8$80.5$16.2$4.08