Civic Intelligence

Workers Federal Credit Union Fka

990 • Fiscal year 2019 • EIN 04-2079901

Jan 01, 2019 to Dec 31, 2019 • Filed on Oct 28, 2020

Organization ProfileWWW.WCU.COM

View Organization Page

815 Main StreetFitchburg, MA 01420-0900

(978) 345-1021

Siviq Scores

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

Liabilities / Assets

57th percentile

0.89x

Higher debt load relative to assets than 57% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Liabilities / Revenue

51st percentile

17.65x

Higher debt load relative to revenue than 51% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Net Margin

46th percentile

17%

Higher net margin than 46% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Top Officer Pay

41st percentile

$882,958

Higher top officer pay than 41% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

2019 filings • 501(c)14 • $1B+ nonprofits • Source year 2019

Asset Growth

17th percentile

4.1%

Faster asset growth than 17% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Revenue Growth

25th percentile

8.4%

Faster revenue growth than 25% of similar nonprofits.

2019 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets57th percentile

Assets

Up

$1,871,285,750

Up $73,580,236 (+4.1%) from 2018

Net Assets

Up

$197,027,231

Up $19,784,448 (+11%) from 2018

Liabilities

Up

$1,674,258,519

Up $53,795,788 (+3.3%) from 2018

Revenue And Expenses
Liabilities / Revenue51st percentileNet Margin46th percentile

Revenue

Up

$94,853,020

Up $7,344,791 (+8.4%) from 2018

Expenses

Up

$78,934,216

Up $7,538,955 (+11%) from 2018

Net Income

Down

$15,918,804

Down $194,164 (-1.2%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth17th percentile

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

$2.0B$1.5B$1.0B$500M$0Assets 2010: $799,246,251Liabilities 2010: $697,971,052Net Assets 2010: $101,275,1992010Assets 2011: $830,608,787Liabilities 2011: $719,301,118Net Assets 2011: $111,307,6692011Assets 2012: $913,270,562Liabilities 2012: $791,518,870Net Assets 2012: $121,751,6922012Assets 2013: $1,038,005,093Liabilities 2013: $910,462,304Net Assets 2013: $127,542,7892013Assets 2014: $1,151,137,509Liabilities 2014: $1,009,384,357Net Assets 2014: $141,753,1522014Assets 2015: $1,312,153,172Liabilities 2015: $1,158,779,923Net Assets 2015: $153,373,2492015Assets 2016: $1,501,397,830Liabilities 2016: $1,340,526,709Net Assets 2016: $160,871,1212016Assets 2017: $1,635,615,637Liabilities 2017: $1,467,264,443Net Assets 2017: $168,351,1942017Assets 2018: $1,797,705,514Liabilities 2018: $1,620,462,731Net Assets 2018: $177,242,7832018Assets 2019: $1,871,285,750Liabilities 2019: $1,674,258,519Net Assets 2019: $197,027,2312019Assets 2020: $1,995,827,980Liabilities 2020: $1,783,773,541Net Assets 2020: $212,054,4392020Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2019

Assets$1,871,285,750
Liabilities$1,674,258,519
Net Assets$197,027,231
Open 2019 Filing

Operations Trend

Revenue Growth25th percentile

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

$100M$50M$0Expenses 2010: $39,015,2932010Expenses 2011: $37,769,7952011Expenses 2012: $38,381,0492012Revenue 2013: $50,511,421Expenses 2013: $41,541,677Net Income 2013: $8,969,7442013Revenue 2014: $56,169,788Expenses 2014: $44,113,011Net Income 2014: $12,056,7772014Revenue 2015: $63,915,965Expenses 2015: $50,184,443Net Income 2015: $13,731,5222015Revenue 2016: $72,113,303Expenses 2016: $61,498,176Net Income 2016: $10,615,1272016Revenue 2017: $77,870,168Expenses 2017: $72,576,334Net Income 2017: $5,293,8342017Revenue 2018: $87,508,229Expenses 2018: $71,395,261Net Income 2018: $16,112,9682018Revenue 2019: $94,853,020Expenses 2019: $78,934,216Net Income 2019: $15,918,8042019Revenue 2020: $93,796,292Expenses 2020: $86,973,420Net Income 2020: $6,822,8722020Revenue 2021: $1,210,709Expenses 2021: $1,171,561Net Income 2021: $39,1482021

Highlighted filing

2019

Revenue$94,853,020
Expenses$78,934,216
Net Income$15,918,804
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 28, 2020
Return Version
2019v5.1
Gross Receipts
$294,924,415
Mission and Program Overview

Mission

The organization is a state chartered credit union that serves members who live or work in massachusetts.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,307,258,837$1,342,463,928▲ $35,205,091
Investments in Publicly Traded Securities$383,370,995$376,704,397▼ $6,666,598
Rtn Earn Endowment Incm Other Fnds$168,941,380$188,725,828▲ $19,784,448
Prepaid Expenses and Deferred Charges$14,559,215$49,643,080▲ $35,083,865
Cash and Non-Interest-Bearing Accounts$15,984,857$29,476,828▲ $13,491,971
Land, Buildings, and Equipment, Net$18,757,398$24,887,502▲ $6,130,104
Investments Other Securities$33,799,733$21,010,567▼ $12,789,166
Pd in Cap Srpls Land Bldg Eqp Fund$8,301,403$8,301,403→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,797,705,514$1,871,285,750▲ $73,580,236
Other Assets Total$23,974,479$27,099,448▲ $3,124,969
Liabilities
Other Liabilities$1,620,462,731$1,674,258,519▲ $53,795,788
Total Liabilities$1,620,462,731$1,674,258,519▲ $53,795,788
Net Assets / Fund Balance
Total Net Assets Fund Balance$177,242,783$197,027,231▲ $19,784,448
Total Liabilities and Net Assets / Fund Balance$1,797,705,514$1,871,285,750▲ $73,580,236

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$8,529,931$10,159,305$18,689,236
Other Land Buildings$9,721,643-$9,721,643
Equipment$1,616,735$5,893,191$7,509,926
Land$4,762,910-$4,762,910
Leasehold Improvements$256,283$589,938$846,221
Compensation and Service Providers
Top Officer Pay41st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Douglas J PetersenPresident/CEOFT$674,930$208,028$882,958
Sandra Sagehorn ElliottEvp, COOFT$363,656$109,619$473,275
J Timothy SmithSVP - CFO & TreasurerFT$296,310$104,066$400,376
Mark FantasiaVP Retirement Planning & Investment CenterFT$355,150$37,355$392,505
Mark FantasiaVP Retirement Planning & Investment-$352,658$39,847$392,505
David EarlsFinancial AdvisorFT$334,011$53,862$387,873
William MullinSVP Commercial LendingFT$278,500$39,254$317,754
Thomas GraySVP LendingFT$243,919$36,621$280,540
Joanne WhiteSVP Information TechnologyFT$230,341$43,913$274,254
Mary Jane FitzsimmonsSVP Human Capital (CPO)FT$210,803$33,448$244,251
Robert S LockettCSO & SVP Diversified ServFT$199,768$32,559$232,327
Peter RiceSVP Retail ServicesFT$206,860$23,070$229,930
Scott KwartaSVP Risk ManagementFT$197,681$25,041$222,722
Donald DelucaVP Solutions ArchitectFT$183,737$29,760$213,497
Robert P GalloVP Commercial LendingFT$153,774$45,447$199,221

Board Members and Trustees

NameTitle
Marina M RaherDirector/chairman
Eric D ShapiroDirector
John S FordDirector
Mary Ann AshtonDirector
Mary HeafyDirector
Robert MarkleyDirector
Scot BarrettDirector
Nilesh GundaDirector/clerk

Highest Paid Contractors

ContractorServicesLocationCompensation
Nauset ConstructionConstruction10 KEARNEY ROAD, Needham, MA 02494$6,892,836
AdrenalineMarketingPO BOX 6229, Carol Stream, IL 60197$937,841
Vector 5 CollaborativeConstruction198 SUMMER STREET, Lunenburg, MA 01462$608,840
InsegmentMarketing300 WASHINGTON STREET, Newton, MA 02458$380,792
Law Offices Of Thomas GibbonsLegal21 PARK STREET, Ayer, MA 01432$349,556
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$81,282,835
Investment Income
$13,422,103
Other Revenue
$148,082
Change in Net Assets
$15,918,804

Audited Revenue Reconciliation

Revenue per Audited Statements
$94,704,938
Revenue Not Reported on Financial Statements
$148,082
Revenue Not Reported on Form 990
$3,865,643
Other Revenue Adjustments
$148,082
Total Revenue per Audited Statements
$98,570,581
Total Revenue per Form 990
$94,853,020
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$48,202,409
Salaries, Compensation, and Employee Benefits$30,356,262
Grants and Similar Amounts Paid$375,545
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$26,015,080
Other Salaries and Wages---$20,301,045
Information Technology---$5,600,147
Office Expenses---$4,570,100
Other Employee Benefits---$3,226,597
Current Officers, Directors, Trustees, and Key Employees---$2,689,908
Occupancy---$2,519,310
Pension Plan Contributions---$2,319,792
Advertising---$1,967,202
Depreciation Depletion---$1,826,086
Payroll Taxes---$1,818,920
Fees for Services Other---$1,321,253
Grants to Domestic Orgs---$375,545
Conferences and Meetings---$286,594
Insurance---$206,545
Fees for Services Accounting---$201,360
Fees for Services Legal---$188,680
Travel---$180,959
Other Expenses---$149,798
All Other Expenses---$132,933
Total Functional Expenses$0$0$0$78,934,216

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$78,934,215
Total Expenses per Form 990$78,934,215
Total Expenses per Audited Statements$78,786,133
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$-148,082
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
United Way of North Central Mass IncFitchburg, MA501(c)(3)Charitable Contributions$209,359
Jbm Silkscreen-lunenburg PoliceFitchburg, MA501(c)(3)Charitable Contributions$5,400
City of FitchurgFitchburg, MA-Charitable Contributions$5,000
Fatv-naming Rights SponsorFitchburg, MA-Charitable Contributions$5,000
Fitchburg Art MuseumFitchburg, MA501(c)(3)Charitable Contributions$5,000
North Central Ma Develpment CorporationFitchburg, MA-Charitable Contributions$5,000
Sizer School FoundationFitchburg, MA501(c)(3)Charitable Contributions$5,000
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
Share and Deposit Accounts$1,211,838,778
Long Term Debt$448,523,835
Other Liabilities$13,895,906
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Workers' credit union is a state-chartered community credit union. Our field of membership allows us to accept members who either reside in massachusetts or work for a company that is based in massachusetts.”

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

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

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

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

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

“The board of directors has delegated the responsibility of reviewing the form 990 to the ceo and cfo. The form 990 is made available to any board member who requests it.”

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

“There is a written conflict of interest policy for all board members and all employees. All employees and board members are required to sign off on a code of conduct policy annually which addresses conflicts of interest. The board reviews all conflicts to assure that all conflicts are resolved.”

Form 990, Part VI, Section B, Line 15

“The board reviews and approves the employment contract of the ceo annually. The board uses comparables with other like financial institutions along with job performance factors to determine compensation.”

Form 990, Part VI, Section C, Line 19

“The credit union makes available all governing documents and form 990 to anyone who asks for it. A copy of the statement of condition is posted in all banking lobbies annually.”

Filing and Contact Details

Filer

Filer Name
WORKERS' CREDIT UNION
EIN
04-2079901
Phone
9783451021
Address
815 MAIN STREET, FITCHBURG, MA 01420-0900

Signing Officer

Name
J Timothy Smith
Title
SVP CFO & Treasurer
Phone
9783451021
Signed
2020-10-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
J Timothy Smith
Formed
1914
Legal Domicile
Ma
Voting Board Members
9
Independent Board Members
8
Employees
364
Volunteers
8

Preparer

Firm
Wolf & Company Pc
Address
99 HIGH STREET 21ST FLOOR, BOSTON, MA 02110
Preparer
Harry a Kalajian Jr CPA
Phone
6174399700
Supplemental Narrative

Additional Explanations

Form 990, Part IV, Line 26

“Some of the officers and directors have loans outstanding with the credit union. These loans were obtained in the ordinary course of business of the credit union on the same terms as are available to all members. Persuant to instructions for schedule l, these loans are not reportable on schedule l.”

FORM 990, PART XII, LINE 2C:

“There was no change in the oversight process or selection process during the tax year 2019.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute, from federal taxes on income related to the exempt purpose of the credit union. 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 consolidated financial statements. There are no uncertain tax positions that require accrual or disclosure at december 31, 2019 or 2018.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Rental income was reclassified to income from expense. 148,082.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Rental income was reclassified to income from expense -148,082.”

Raw XML AppendixShowing 400 of 932 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/ActivityOrMissionDesc0THE ORGANIZATION IS A STATE CHARTERED CREDIT UNION THAT SERVES MEMBERS WHO LIVE OR WORK IN MASSACHUSETTS.
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IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt8194418
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt9100443
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10107549
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1132521
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1219756
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1330002
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1422458
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1520029
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1623548
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1729546
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1837355
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1927566
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2021574
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2128796
IRS990/Form990PartVIISectionAGrp/PersonNm0JOHN S FORD
IRS990/Form990PartVIISectionAGrp/PersonNm1MARINA M RAHER
IRS990/Form990PartVIISectionAGrp/PersonNm2ERIC D SHAPIRO
IRS990/Form990PartVIISectionAGrp/PersonNm3SCOT BARRETT
IRS990/Form990PartVIISectionAGrp/PersonNm4MARY HEAFY
IRS990/Form990PartVIISectionAGrp/PersonNm5MARY ANN ASHTON
IRS990/Form990PartVIISectionAGrp/PersonNm6NILESH GUNDA
IRS990/Form990PartVIISectionAGrp/PersonNm7ROBERT MARKLEY
IRS990/Form990PartVIISectionAGrp/PersonNm8DOUGLAS J PETERSEN
IRS990/Form990PartVIISectionAGrp/PersonNm9J TIMOTHY SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm10SANDRA SAGEHORN ELLIOTT
IRS990/Form990PartVIISectionAGrp/PersonNm11THOMAS GRAY
IRS990/Form990PartVIISectionAGrp/PersonNm12JOANNE WHITE
IRS990/Form990PartVIISectionAGrp/PersonNm13ROBERT S LOCKETT
IRS990/Form990PartVIISectionAGrp/PersonNm14PETER RICE
IRS990/Form990PartVIISectionAGrp/PersonNm15MARY JANE FITZSIMMONS
IRS990/Form990PartVIISectionAGrp/PersonNm16SCOTT KWARTA
IRS990/Form990PartVIISectionAGrp/PersonNm17WILLIAM MULLIN
IRS990/Form990PartVIISectionAGrp/PersonNm18MARK FANTASIA
IRS990/Form990PartVIISectionAGrp/PersonNm19DAVID EARLS
IRS990/Form990PartVIISectionAGrp/PersonNm20ROBERT P GALLO
IRS990/Form990PartVIISectionAGrp/PersonNm21DONALD DELUCA
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8688540
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9299933
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10365726
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11248019
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12254498
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13202325
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14207472
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15224222
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16199174
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17288208
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18355150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19360307
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20177647
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21184701
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR/CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR/CLERK
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9SVP - CFO & TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt10EVP, COO
IRS990/Form990PartVIISectionAGrp/TitleTxt11SVP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP INFORMATION TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt13CSO & SVP DIVERSIFIED SERV
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP RETAIL SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP HUMAN CAPITAL (CPO)
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP RISK MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP COMMERCIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP RETIREMENT PLANNING & INVESTMENT CENTER
IRS990/Form990PartVIISectionAGrp/TitleTxt19FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP COMMERCIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP SOLUTIONS ARCHITECT
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01914
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0662941
IRS990/GainOrLossGrp/SecuritiesAmt01342074
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0375545
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0662941
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0201413469
IRS990/GrossReceiptsAmt0294924415
IRS990/GrossRentsGrp/RealAmt0148082
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt035
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt05600147
IRS990/InsuranceGrp/TotalAmt0206545
IRS990/InterestGrp/TotalAmt026015080
IRS990/InvestmentIncomeGrp/ExclusionAmt011417088
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt011417088
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt033799733
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt021010567
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0383370995
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0376704397
IRS990/IRPDocumentCnt092622
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt016642434
IRS990/LandBldgEquipBasisNetGrp/BOYAmt018757398
IRS990/LandBldgEquipBasisNetGrp/EOYAmt024887502
IRS990/LandBldgEquipCostOrOtherBssAmt041529936
IRS990/LegalDomicileStateCd0MA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0200071395
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE ORGANIZATION IS A STATE CHARTERED CREDIT UNION THAT SERVES MEMBERS WHO LIVE OR WORK IN MASSACHUSETTS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0177242783
IRS990/NetAssetsOrFundBalancesEOYAmt0197027231
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt02005015
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt02005015
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt0148082
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0148082
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt03865643
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02519310
IRS990/OfficeExpensesGrp/TotalAmt04570100
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt023974479
IRS990/OtherAssetsTotalGrp/EOYAmt027099448
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt03226597
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1LOAN LOSS PROVISION
IRS990/OtherExpensesGrp/Desc2DUES, MEMBERSHIPS, SUBS
IRS990/OtherExpensesGrp/Desc3EDUCATION EXPENSE
IRS990/OtherExpensesGrp/TotalAmt01824996
IRS990/OtherExpensesGrp/TotalAmt1936266
IRS990/OtherExpensesGrp/TotalAmt2275100
IRS990/OtherExpensesGrp/TotalAmt3149798
IRS990/OtherLiabilitiesGrp/BOYAmt01620462731
IRS990/OtherLiabilitiesGrp/EOYAmt01674258519
IRS990/OtherSalariesAndWagesGrp/TotalAmt020301045
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01307258837
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01342463928
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01818920
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt08301403
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt08301403
IRS990/PensionPlanContributionsGrp/TotalAmt02319792
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt014559215
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt049643080
IRS990/PrincipalOfficerNm0J TIMOTHY SMITH
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES
IRS990/ProgramServiceRevenueGrp/Desc2ATM SURCHARGES/SHARED BRANCHING
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt059088356
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt122036895
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt059088356
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt122036895
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2157584
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0157584
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt011342030
IRS990/PYOtherExpensesAmt041109556
IRS990/PYOtherRevenueAmt0177700
IRS990/PYProgramServiceRevenueAmt075988499
IRS990/PYRevenuesLessExpensesAmt016112968
IRS990/PYSalariesCompEmpBnftPaidAmt030285705
IRS990/PYTotalExpensesAmt071395261
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt087508229
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt015918804
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0148082
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0168941380
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0188725828
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt08529931

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,871,285,750
Liabilities
$1,674,258,519
Net assets
$197,027,231
Revenue
$94,853,020
Expenses
$78,934,216
Net income
$15,918,804
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$0.00$0.00$0.00$1.21$1.17$0.04
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,996$1,784$212$93.8$87.0$6.82
2019Detailed filing. Detailed filing data is available for this year.$1,871$1,674$197$94.9$78.9$15.9
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,798$1,620$177$87.5$71.4$16.1
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,636$1,467$168$77.9$72.6$5.29
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,501$1,341$161$72.1$61.5$10.6
2015Detailed filing. Detailed filing data is available for this year.$1,312$1,159$153$63.9$50.2$13.7
2014Detailed filing. Detailed filing data is available for this year.$1,151$1,009$142$56.2$44.1$12.1
2013Detailed filing. Detailed filing data is available for this year.$1,038$910$128$50.5$41.5$8.97
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$913$792$122$38.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$831$719$111$37.8
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$799$698$101$39.0