Civic Intelligence

Gloucester Fire Department Credit Union

EIN 04-2305850 • 501(c)14 • Gloucester, MA

Profile

CREDIT UNION

8 School StreetGloucester, MA 01930

n/A

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.68x

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

$500k-$1M nonprofits • Source year 2020

Liabilities / Revenue

99th percentile

13.53x

Higher debt load relative to revenue than 99% of similar nonprofits.

$500k-$1M nonprofits • Source year 2020

Net Margin

49th percentile

3.6%

Higher net margin than 49% of similar nonprofits.

$500k-$1M nonprofits • Source year 2020

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

76th percentile

15%

Faster asset growth than 76% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2019 to 2020

Revenue Growth

31st percentile

-4.4%

Faster revenue growth than 31% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Down

$0

Down $654,697 (-100%) from 2020

Liabilities

Down

$0

Down $442,485 (-100%) from 2020

Net Assets

Down

$0

Down $212,212 (-100%) from 2020

Operations
Liabilities / Revenue99th percentileNet Margin49th percentile

Revenue

Down

$23,682

Down $9,011 (-28%) from 2020

Expenses

Up

$31,525

Up $7 (+0.0%) from 2020

Net Income

Down

-$7,843

Down $9,018 (-767%) from 2020

Trend Graphs

Balance Sheet Trend

Asset Growth76th percentile

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

$800K$600K$400K$200K$0Assets 2010: $520,792Liabilities 2010: $358,986Net Assets 2010: $161,8062010Assets 2011: $517,838Liabilities 2011: $347,182Net Assets 2011: $170,6562011Assets 2012: $526,954Liabilities 2012: $346,482Net Assets 2012: $180,4722012Assets 2013: $521,196Liabilities 2013: $333,395Net Assets 2013: $187,8012013Assets 2014: $515,637Liabilities 2014: $321,768Net Assets 2014: $193,8692014Assets 2015: $527,597Liabilities 2015: $329,258Net Assets 2015: $198,3392015Assets 2016: $503,426Liabilities 2016: $300,326Net Assets 2016: $203,1002016Assets 2017: $490,884Liabilities 2017: $285,338Net Assets 2017: $205,5462017Assets 2018: $526,031Liabilities 2018: $319,050Net Assets 2018: $206,9812018Assets 2019: $569,347Liabilities 2019: $358,310Net Assets 2019: $211,0372019Assets 2020: $654,697Liabilities 2020: $442,485Net Assets 2020: $212,2122020Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2021

Assets$0
Liabilities$0
Net Assets$0
Open 2021 Filing

Operations Trend

Revenue Growth31st percentile

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

$40K$20K$0-$20KExpenses 2010: $24,0152010Expenses 2011: $21,5752011Expenses 2012: $21,4672012Revenue 2013: $28,117Expenses 2013: $20,788Net Income 2013: $7,3292013Revenue 2014: $26,315Expenses 2014: $20,247Net Income 2014: $6,0682014Revenue 2015: $26,010Expenses 2015: $19,715Net Income 2015: $6,2952015Revenue 2016: $30,497Expenses 2016: $25,736Net Income 2016: $4,7612016Revenue 2017: $29,734Expenses 2017: $24,097Net Income 2017: $5,6372017Revenue 2018: $29,102Expenses 2018: $27,692Net Income 2018: $1,4102018Revenue 2019: $34,186Expenses 2019: $30,130Net Income 2019: $4,0562019Revenue 2020: $32,693Expenses 2020: $31,518Net Income 2020: $1,1752020Revenue 2021: $23,682Expenses 2021: $31,525Net Income 2021: -$7,8432021

Highlighted filing

2021

Revenue$23,682
Expenses$31,525
Net Income-$7,843
Open 2021 Filing

Filings

Most recent year

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

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$23,682
Expenses
$31,525
Net income
-$7,843
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.24$0.32$0.08
2020Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$6.55$4.42$2.12$0.33$0.32$0.01
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.69$3.58$2.11$0.34$0.30$0.04
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.26$3.19$2.07$0.29$0.28$0.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.91$2.85$2.06$0.30$0.24$0.06
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.03$3.00$2.03$0.30$0.26$0.05
2015Detailed filing. Detailed filing data is available for this year.$5.28$3.29$1.98$0.26$0.20$0.06
2014Detailed filing. Detailed filing data is available for this year.$5.16$3.22$1.94$0.26$0.20$0.06
2013Detailed filing. Detailed filing data is available for this year.$5.21$3.33$1.88$0.28$0.21$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.27$3.46$1.80$0.21
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.18$3.47$1.71$0.22
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.21$3.59$1.62$0.24
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Oct 29, 2021
Signed
Feb 5, 2024
Return Version
2021v4.2
Gross Receipts
$24,097
Mission and Program Overview

Mission

CREDIT UNION

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$216,908$0▼ $216,908
Rtn Earn Endowment Incm Other Fnds$212,212$0▼ $212,212
Cash and Non-Interest-Bearing Accounts$175,476$0▼ $175,476
Other Notes and Loans Receivable, Net$168,892$0▼ $168,892
Receivables From Officers Etc$86,501$0▼ $86,501
Prepaid Expenses and Deferred Charges$2,302$0▼ $2,302
Land, Buildings, and Equipment, Net$1,044$0▼ $1,044
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$654,697$0▼ $654,697
Other Assets Total$3,574$0▼ $3,574
Liabilities
Other Liabilities$441,142$0▼ $441,142
Accounts Payable and Accrued Expenses$1,343$0▼ $1,343
Total Liabilities$442,485$0▼ $442,485
Net Assets / Fund Balance
Total Net Assets Fund Balance$212,212$0▼ $212,212
Total Liabilities and Net Assets / Fund Balance$654,697$0▼ $654,697
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleBaseTotal
Susan DellacroceTreasurer$16,600$16,600

Board Members and Trustees

NameTitle
Dean DecostePresident
Richard CusickVice Chairperson
Alison DemeuleBoard Member
Andrew LyonsBoard Member
Glen AsaroBoard Member
James Hannon IiiBoard Member
Joseph AielloBoard Member
Kevin GarganBoard Member
Michael MitchellBoard Member
Michael ShulmanBoard Member
Robert RivasBoard Member
William DoucetteBoard Member
Thomas AielloClerk
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$24,078
Investment Income
$-401
Other Revenue
$5
Change in Net Assets
$-7,843
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$18,300
Other Expenses$13,225
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$16,600
Fees for Services Accounting---$3,670
Interest---$2,543
Payroll Taxes---$1,700
Information Technology---$1,134
Fees for Services Other---$1,024
Depreciation Depletion---$485
Other Expenses---$430
Total Functional Expenses$0$0$0$31,525
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$86,501$0▼ $86,501
Receivables from Disqualified Persons-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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

“Director tom and joe aiello brothers”

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

“The treasurer will review the return and present to the board at the next board meeting. Due to the timing of the filing due date and the date of the next board meeting, the form 990 may be reviewed subsequent to filing.”

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

“The treasurer's compensation is subject to review and board approval.”

Form 990, Part VI, Section C, Line 19

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

Filing and Contact Details

Filer

Filer Name
Gloucester Fire Department Credit Union
EIN
04-2305850
Phone
9782819760
Address
8 SCHOOL STREET, GLOUCESTER, MA 01930

Signing Officer

Name
Larry Stanford
Title
SVP/CFO
Phone
6174885511
Signed
2024-02-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Susan Dellacroce
Formed
1938
Legal Domicile
Ma
Voting Board Members
14
Independent Board Members
13
Employees
1
Volunteers
13

Preparer

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

Additional Explanations

FORM 990, PART XI, LINE 9:

“Assets transferred to metro credit union due to the merger -641,776.”

Raw XML AppendixShowing 400 of 449 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/BooksInCareOfDetail/PhoneNum06174885511
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IRS990/FeesForServicesAccountingGrp/TotalAmt03670
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IRS990/OtherLiabilitiesGrp/EOYAmt00
IRS990/OtherRevenueMiscGrp/BusinessCd0522298
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt05
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt05
IRS990/OtherRevenueTotalAmt05
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0168892
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01700
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02302
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0SUSAN DELLACROCE
IRS990/PriorPeriodAdjustmentsAmt0437407
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME ON LOA
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt024078
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt024078
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt03532
IRS990/PYOtherExpensesAmt014449
IRS990/PYOtherRevenueAmt05
IRS990/PYProgramServiceRevenueAmt029156
IRS990/PYRevenuesLessExpensesAmt01175
IRS990/PYSalariesCompEmpBnftPaidAmt017069
IRS990/PYTotalExpensesAmt031518
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt032693
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt086501
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-7843
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0212212
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0216908
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleN/AssetsDistributedInd01
IRS990ScheduleN/AttorneyGeneralNotifiedInd00
IRS990ScheduleN/BondsOutstandingInd00
IRS990ScheduleN/DirectorOfSuccessorInd00
IRS990ScheduleN/EmployeeOfSuccessorInd00
IRS990ScheduleN/LiabilitiesPaidInd01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0CASH
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc1LOANS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc2INVESTMENTS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc3FIXED ASSETS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc4ACCOUNTS PAYABLE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0METRO CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt1METRO CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt2METRO CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt3METRO CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt4METRO CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02021-10-29
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt12021-10-29
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt22021-10-29
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt32021-10-29
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt42021-10-29
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0041695745
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN1041695745
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN2041695745
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN3041695745
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN4041695745
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt0317621
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt1319243
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt24411
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt3559
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt4-58
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt1501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt2501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt3501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt4501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0FMV
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt1FMV
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt2FMV
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt3FMV
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt4FMV
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt0200 REVERE BEACH PARKWAY
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt1200 REVERE BEACH PARKWAY
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt2200 REVERE BEACH PARKWAY
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt3200 REVERE BEACH PARKWAY
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt4200 REVERE BEACH PARKWAY
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0CHELSEA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm1CHELSEA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm2CHELSEA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm3CHELSEA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm4CHELSEA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0MA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd1MA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd2MA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd3MA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd4MA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd002150
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd102150
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd202150
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd302150
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd402150
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DIRECTOR TOM AND JOE AIELLO BROTHERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PERSONS WHO MEET THE REQUIREMENTS OF THE ORGANIZATION'S FIELD OF MEMBERSHIP WHO HOLD AT LEAST ONE SHARE OF THE CAPITAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EACH MEMBER HAS A VOTE AT THE ELECTION OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE TREASURER WILL REVIEW THE RETURN AND PRESENT TO THE BOARD AT THE NEXT BOARD MEETING. DUE TO THE TIMING OF THE FILING DUE DATE AND THE DATE OF THE NEXT BOARD MEETING, THE FORM 990 MAY BE REVIEWED SUBSEQUENT TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE TREASURER'S COMPENSATION IS SUBJECT TO REVIEW AND BOARD APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5INFORMATION IS POSTED IN THE CREDIT UNION LOBBY AND AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ASSETS TRANSFERRED TO METRO CREDIT UNION DUE TO THE MERGER -641,776.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt0654697
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt0654697
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/TotalAmt031525
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0442485
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt0442485
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0212212
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt024078
IRS990/TotalReportableCompFromOrgAmt016600
IRS990/TotalRevenueGrp/ExclusionAmt0-401
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt024083
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt023682

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