Civic Intelligence

Energy Credit Union

990 • Fiscal year 2015 • EIN 04-2079800

Jan 01, 2015 to Dec 31, 2015 • Filed on Apr 22, 2016

Organization ProfileWWW.ENERGYCREDITUNION.ORG

View Organization Page

156 Spring StreetWest 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

0.81x

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

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Liabilities / Revenue

74th percentile

22.52x

Higher debt load relative to revenue than 74% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Net Margin

8th percentile

-3.8%

Higher net margin than 8% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Top Officer Pay

88th percentile

$203,261

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 6.9% of source-year revenue.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Asset Growth

3rd percentile

-4.9%

Faster asset growth than 3% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Revenue Growth

10th percentile

-6.7%

Faster revenue growth than 10% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets13th percentile

Assets

Down

$80,985,291

Down $4,139,866 (-4.9%) from 2014

Net Assets

Down

$15,108,185

Down $298,770 (-1.9%) from 2014

Liabilities

Down

$65,877,106

Down $3,841,096 (-5.5%) from 2014

Revenue And Expenses
Liabilities / Revenue74th percentileNet Margin8th percentile

Revenue

Down

$2,925,248

Down $209,799 (-6.7%) from 2014

Expenses

Down

$3,035,735

Down $124,655 (-3.9%) from 2014

Net Income

Down

-$110,487

Down $85,144 (-336%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth3rd 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

2015

Assets$80,985,291
Liabilities$65,877,106
Net Assets$15,108,185
Open 2015 Filing

Operations Trend

Revenue Growth10th percentile

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

2015

Revenue$2,925,248
Expenses$3,035,735
Net Income-$110,487
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 22, 2016
Return Version
2015v2.1
Gross Receipts
$4,924,007
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$34,513,355$36,118,021▲ $1,604,666
Investments in Publicly Traded Securities$33,224,120$30,316,803▼ $2,907,317
Rtn Earn Endowment Incm Other Fnds$15,406,955$15,108,185▼ $298,770
Savings and Temporary Cash Investments$8,228,192$6,427,121▼ $1,801,071
Land, Buildings, and Equipment, Net$3,122,404$3,074,982▼ $47,422
Cash and Non-Interest-Bearing Accounts$3,724,503$2,859,718▼ $864,785
Receivables From Officers Etc$869,729$767,045▼ $102,684
Prepaid Expenses and Deferred Charges$139,700$156,955▲ $17,255
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$85,125,157$80,985,291▼ $4,139,866
Other Assets Total$1,303,154$1,264,646▼ $38,508
Liabilities
Other Liabilities$69,042,397$65,239,612▼ $3,802,785
Accounts Payable and Accrued Expenses$675,805$637,494▼ $38,311
Total Liabilities$69,718,202$65,877,106▼ $3,841,096
Net Assets / Fund Balance
Total Net Assets Fund Balance$15,406,955$15,108,185▼ $298,770
Total Liabilities and Net Assets / Fund Balance$85,125,157$80,985,291▼ $4,139,866

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,128,789$345,348$2,474,137
Land$700,000-$700,000
Leasehold Improvements$66,738$147,393$214,131
Other Land Buildings$179,455$31,193$210,648
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Paul NocePresident & CEOFT$203,261$203,261
Marie PrevettVice President/COOFT$118,132$118,132
Thomas P HessionVice President/CFO/treasurFT$96,039$96,039

Board Members and Trustees

NameTitle
Barbara KelleherDirector
Bernard DohertyDirector
DANIEL O'CONNELLDirector
Deborah CasnaDirector
Dennis MccafferyDirector
Diane DuhaimeDirector
Joseph C CarrollDirector
Michael CantoDirector
Michael KaneDirector
Robert FinelliDirector
William GoodwinDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Connecticut Online (cocc)Data Processing135 DARLING DRIVE AVON PARK, Avon, CT 06001$280,867
ElanData Processing1255 CORPORATE DRIVE, Irving, TX 75038$110,742
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,858,531
Investment Income
$809,399
Other Revenue
$257,318
Change in Net Assets
$-110,487

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,925,248
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$2,925,248
Total Revenue per Form 990
$2,925,248
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,774,147
Salaries, Compensation, and Employee Benefits$1,261,588
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$844,156-$844,156
Current Officers, Directors, Trustees, and Key Employees-$417,432-$417,432
Information Technology-$399,939-$399,939
Interest-$281,649-$281,649
All Other Expenses-$237,584-$237,584
Fees for Services Legal-$112,830-$112,830
Depreciation Depletion-$104,345-$104,345
Fees for Services Accounting-$82,322-$82,322
Advertising-$65,176-$65,176
Occupancy-$61,738-$61,738
Insurance-$57,642-$57,642
Office Expenses-$33,577-$33,577
Other Expenses-$27,647-$27,647
Conferences and Meetings-$6,058-$6,058
Total Functional Expenses$0$3,035,735$0$3,035,735

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,035,735
Total Expenses per Audited Statements$3,035,735
Total Expenses per Form 990$3,035,735
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$869,729$767,045▼ $102,684
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposit Accounts$65,239,612
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 $53,698 was paid to wyatt's inc. During 2015.”

Form 990, Part VI, Section A, Line 6

“Persons who meet the requirments of the organization'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

Filer Name
Energy Credit Union
EIN
04-2079800
Phone
6173251999
Address
156 SPRING STREET, WEST ROXBURY, MA 02132

Signing Officer

Name
Paul N Noce
Title
President & CEO
Phone
6173251999
Signed
2016-04-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Paul N Noce
Formed
1931
Legal Domicile
Ma
Voting Board Members
11
Independent Board Members
11
Employees
13
Volunteers
11

Preparer

Firm
Marcum Llp
Address
53 STATE STREET FLOOR 38, BOSTON, MA 02109
Preparer
David St Yves
Phone
6178075000
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 on the 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, 2015. 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 2012.”

Raw XML AppendixShowing 400 of 628 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/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11VICE PRESIDENT/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt12VICE PRESIDENT/CFO/TREASUR
IRS990/Form990PartVIISectionAGrp/TitleTxt13PRESIDENT & CEO
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01931
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt080230
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt02078989
IRS990/GrossReceiptsAmt04924007
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt0399939
IRS990/InformationTechnologyGrp/TotalAmt0399939
IRS990/InsuranceGrp/ManagementAndGeneralAmt057642
IRS990/InsuranceGrp/TotalAmt057642
IRS990/InterestGrp/ManagementAndGeneralAmt0281649
IRS990/InterestGrp/TotalAmt0281649
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0729169
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0729169
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt033224120
IRS990/InvestmentsPubTradedSecGrp/EOYAmt030316803
IRS990/IRPDocumentCnt01102
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0523934
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03122404
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03074982
IRS990/LandBldgEquipCostOrOtherBssAmt03598916
IRS990/LegalDomicileStateCd0MA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt01998759
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/NetAssetsOrFundBalancesBOYAmt015406955
IRS990/NetAssetsOrFundBalancesEOYAmt015108185
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt080230
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt080230
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-188283
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt061738
IRS990/OccupancyGrp/TotalAmt061738
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt033577
IRS990/OfficeExpensesGrp/TotalAmt033577
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01303154
IRS990/OtherAssetsTotalGrp/EOYAmt01264646
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0EQUIPMENT MAINTENANCE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2POSTAGE
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0243640
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt160000
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt227647
IRS990/OtherExpensesGrp/TotalAmt0243640
IRS990/OtherExpensesGrp/TotalAmt160000
IRS990/OtherExpensesGrp/TotalAmt227647
IRS990/OtherLiabilitiesGrp/BOYAmt069042397
IRS990/OtherLiabilitiesGrp/EOYAmt065239612
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/BusinessCd1900099
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
IRS990/OtherRevenueMiscGrp/Desc1SERVICE CHARGES & FEES
IRS990/OtherRevenueMiscGrp/Desc2ATM FEES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0158832
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt186767
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0158832
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt186767
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt211719
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt011719
IRS990/OtherRevenueTotalAmt0257318
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0844156
IRS990/OtherSalariesAndWagesGrp/TotalAmt0844156
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt034513355
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt036118021
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0139700
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0156955
IRS990/PrincipalOfficerNm0PAUL N NOCE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01858356
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01858356
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0855288
IRS990/PYOtherExpensesAmt01966756
IRS990/PYOtherRevenueAmt0255735
IRS990/PYProgramServiceRevenueAmt02024024
IRS990/PYRevenuesLessExpensesAmt0-25343
IRS990/PYSalariesCompEmpBnftPaidAmt01193634
IRS990/PYTotalExpensesAmt03160390
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03135047
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0869729
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0767045
IRS990/ReconcilationRevenueExpnssAmt0-110487
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt015406955
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt015108185
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08228192
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06427121
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02128789
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0345348
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02474137
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03035735
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LandGrp/BookValueAmt0700000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0700000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt066738
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0147393
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0214131
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0179455
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt031193
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0210648
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt065239612
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND DEPOSIT ACCOUNTS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt02925248
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 ON THE 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, 2015. 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 2012.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03074982
IRS990ScheduleD/TotalExpensesPerForm990Amt03035735
IRS990ScheduleD/TotalLiabilityAmt065239612
IRS990ScheduleD/TotalRevenuePerForm990Amt02925248
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02925248
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03035735
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0203261
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
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 NOCE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0203261
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0143238
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt139901
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt247804
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt411881
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt53473
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt661734
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt7290835
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt82883
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt98229
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1066994
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1139
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1233542
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1348840
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt141831
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt153929
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt161892
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$80,985,291
Liabilities
$65,877,106
Net assets
$15,108,185
Revenue
$2,925,248
Expenses
$3,035,735
Net income
-$110,487
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