Civic Intelligence

Gloucester Fire Department Credit Union

990 • Fiscal year 2016 • EIN 04-2305850

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 09, 2017

Organization ProfileN/A
8 School StreetGloucester, MA 01930-3529

(978) 281-9760

Siviq Scores

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

Liabilities / Assets

89th percentile

0.60x

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

2016 filings • $500k-$1M nonprofits • Source year 2016

Liabilities / Revenue

99th percentile

9.85x

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

2016 filings • $500k-$1M nonprofits • Source year 2016

Net Margin

73rd percentile

16%

Higher net margin than 73% of similar nonprofits.

2016 filings • $500k-$1M nonprofits • Source year 2016

Top Officer Pay

61st percentile

$10,000

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 32.8% of source-year revenue.

2016 filings • $500k-$1M nonprofits • Source year 2016

Asset Growth

26th percentile

-4.6%

Faster asset growth than 26% of similar nonprofits.

2016 filings • $500k-$1M nonprofits • Annualized from 2015 to 2016

Revenue Growth

74th percentile

17%

Faster revenue growth than 74% of similar nonprofits.

2016 filings • $500k-$1M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets89th percentile

Assets

Down

$503,426

Down $24,171 (-4.6%) from 2015

Net Assets

Up

$203,100

Up $4,761 (+2.4%) from 2015

Liabilities

Down

$300,326

Down $28,932 (-8.8%) from 2015

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin73rd percentile

Revenue

Up

$30,497

Up $4,487 (+17%) from 2015

Expenses

Up

$25,736

Up $6,021 (+31%) from 2015

Net Income

Down

$4,761

Down $1,534 (-24%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth26th percentile

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

$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

2016

Assets$503,426
Liabilities$300,326
Net Assets$203,100
Open 2016 Filing

Operations Trend

Revenue Growth74th percentile

Revenue, expenses, and net income across loaded years, with this 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

2016

Revenue$30,497
Expenses$25,736
Net Income$4,761
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 9, 2017
Return Version
2016v3.0
Gross Receipts
$30,497
Mission and Program Overview

Mission

CREDIT UNION

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$246,984$212,442▼ $34,542
Rtn Earn Endowment Incm Other Fnds$198,339$203,100▲ $4,761
Savings and Temporary Cash Investments$204,961$182,984▼ $21,977
Receivables From Officers Etc$33,999$63,017▲ $29,018
Cash and Non-Interest-Bearing Accounts$35,500$37,024▲ $1,524
Land, Buildings, and Equipment, Net$809$3,118▲ $2,309
Prepaid Expenses and Deferred Charges$2,060$1,817▼ $243
Total Assets$527,597$503,426▼ $24,171
Other Assets Total$3,284$3,024▼ $260
Liabilities
Other Liabilities$328,405$302,588▼ $25,817
Accounts Payable and Accrued Expenses$853$-2,262▼ $3,115
Total Liabilities$329,258$300,326▼ $28,932
Net Assets / Fund Balance
Total Net Assets Fund Balance$198,339$203,100▲ $4,761
Total Liabilities and Net Assets / Fund Balance$527,597$503,426▼ $24,171

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$3,118$8,885$12,003
Other Land Buildings-$2,242$2,242
Compensation and Service Providers
Top Officer Pay61st percentile

Employees

NameTitleBaseTotal
Susan DellacroceTreasurer$10,000$10,000

Board Members and Trustees

NameTitle
Glen AsaroChairperson
Richard CusickVice Chairpe
Chad MotaBoard Member
Jeffrey RomeoBoard Member
Joseph AielloBoard Member
Kevin GarganBoard Member
Michael MitchellBoard Member
Michael ShulmanBoard Member
Robert FrancisBoard Member
Robert RivasBoard Member
Timothy GallagherBoard Member
William DoucetteBoard Member
Dean DecosteCEO and Boar
Thomas AielloSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$27,790
Investment Income
$2,687
Other Revenue
$20
Change in Net Assets
$4,761
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$14,903
Salaries, Compensation, and Employee Benefits$10,833
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---$10,000
Interest---$2,823
Insurance---$1,956
Information Technology---$1,917
Fees for Services Accounting---$952
Office Expenses---$904
Payroll Taxes---$833
Depreciation Depletion---$550
Other Expenses---$200
All Other Expenses---$150
Total Functional Expenses$0$0$0$25,736
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$33,999$63,017▲ $29,018
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARE AND DEPOSIT ACCOUNTS$302,588
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
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
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, Page 6, Part VI, Line 2

“Director tom and joe aiello brothers”

Form 990, Page 6, Part VI, Line 6

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

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

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

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

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

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

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

Form 990, Page 6, Part VI, Line 18

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

Form 990, Page 6, Part VI, Line 19

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

Filing and Contact Details

Filer

Filer Name
Gloucester Fire Department
EIN
04-2305850
Phone
9782819760
Address
8 SCHOOL STREET, GLOUCESTER, MA 01930-3529

Signing Officer

Name
Susan Dellacroce
Title
Treasurer
Phone
9782819760
Signed
2017-11-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Susan Dellacroce
Formed
1938
Legal Domicile
Ma
Voting Board Members
15
Independent Board Members
14
Employees
1
Volunteers
14

Preparer

Firm
Garvey Steele & Company Llp
Address
PO BOX 397, MYSTIC, CT 06355-0397
Preparer
Richard B Steele CPA
Phone
8605369831
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt0182984
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt03118
IRS990ScheduleD/EquipmentGrp/DepreciationAmt08885
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt012003
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt02242
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt02242
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0302588
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARE AND DEPOSIT ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03118
IRS990ScheduleD/TotalLiabilityAmt0302588
IRS990/ScheduleJRequiredInd0false
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt113500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt211404
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt35841
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt42347
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt52097
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt62011
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt7902
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt8845
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt9807
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt10727
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt11606
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd11false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd11X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0NEW AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1UNSECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2UNSECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3UNSECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4UNSECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5NEW AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6UNSECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7UNSECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8UNSECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9UNSECUREDD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10UNSECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11USED AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt025957
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt113500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt212500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt312500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt45000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt515395
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt610000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt73000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt89000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt94000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt104000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt117000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JOSEPH AIELLO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1SUSAN DELLACROCE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2DEAN DECOSTE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3ROBERT RIVAS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4TIMOTHY GALLAGHER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5RICHARD CUSICK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6THOMAS AIELLO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7DEAN DECOSTE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8CHAD MOTA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9JEFFREY ROMEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm10GLEN ASARO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm11ROBERT RIVAS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt8DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt9DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt10DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt11DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd10true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11true
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt0GLEN ASARO FROM 4,000 727 UNSECURED ( ) IN DEFAULT (X) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT ROBERT RIVAS FROM 7,000 606 USED AUTO ( ) IN DEFAULT (X) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE L, PART II
IRS990ScheduleL/TotalBalanceDueAmt063017
IRS990/ScheduleORequiredInd0true
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 DDATE 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 AN APPROVAL PROCESS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5INFORMATION IS POSTED IN THE CREDIT UNION LOBBY AND AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6INFORMATION IS POSTED IN THE CREDIT UNION LOBBY AND AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 2

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$503,426
Liabilities
$300,326
Net assets
$203,100
Revenue
$30,497
Expenses
$25,736
Net income
$4,761
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
2016Detailed filing. Detailed filing data is available for this year.$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