Liabilities / Assets
51st percentile
Higher debt load relative to assets than 51% of similar nonprofits.
EIN 04-2314232 • 501(c)14 • Quincy, MA
Profile
Provide our members the best financial services possible in order to successfully satisfy their financials needs and requirements.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
51st percentile
Higher debt load relative to assets than 51% of similar nonprofits.
Liabilities / Revenue
92nd percentile
Higher debt load relative to revenue than 92% of similar nonprofits.
Net Margin
58th percentile
Higher net margin than 58% of similar nonprofits.
Top Officer Pay
85th percentile
Higher top officer pay than 85% of similar nonprofits.
Top officer pay equals 2.1% of source-year revenue.
Asset Growth
13th percentile
Faster asset growth than 13% of similar nonprofits.
Revenue Growth
11th percentile
Faster revenue growth than 11% of similar nonprofits.
Assets
Down$693,345,692
Down $18,889,109 (-2.7%) from 2023
Liabilities
Down$623,628,340
Down $26,012,083 (-4.0%) from 2023
Net Assets
Up$69,717,352
Up $7,122,974 (+11%) from 2023
Revenue
Up$32,183,871
Up $443,598 (+1.4%) from 2023
Expenses
Up$28,674,666
Up $3,615,687 (+14%) from 2023
Net Income
Down$3,509,205
Down $3,172,089 (-47%) from 2023
Most recent year
2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
Provide our members the best financial services possible in order to successfully satisfy their financial needs and requirements.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $437,176,673 | $443,334,926 | ▲ $6,158,253 |
| Investments in Publicly Traded Securities | $208,186,546 | $182,303,947 | ▼ $25,882,599 |
| Savings and Temporary Cash Investments | $36,079,164 | $36,733,355 | ▲ $654,191 |
| Land, Buildings, and Equipment, Net | $13,205,293 | $13,337,226 | ▲ $131,933 |
| Prepaid Expenses and Deferred Charges | $9,348,687 | $9,316,127 | ▼ $32,560 |
| Receivables From Officers Etc | $3,800,000 | $3,843,303 | ▲ $43,303 |
| Cash and Non-Interest-Bearing Accounts | $3,237,266 | $3,429,763 | ▲ $192,497 |
| Investments Other Securities | $879,300 | $879,300 | → $0 |
| Accounts Receivable | $321,872 | $167,745 | ▼ $154,127 |
| Pledges and Grants Receivable | $0 | $0 | → $0 |
| Receivable From Disqualified Prsn | $0 | $0 | → $0 |
| Investments Program Related | $0 | $0 | → $0 |
| Intangible Assets | $0 | $0 | → $0 |
| Inventories for Sale or Use | $0 | $0 | → $0 |
| Loans From Officers Directors | $0 | $0 | → $0 |
| Total Assets | $712,234,801 | $693,345,692 | ▼ $18,889,109 |
| Other Assets Total | $0 | $0 | → $0 |
| Liabilities | |||
| Other Liabilities | $642,726,618 | $622,068,135 | ▼ $20,658,483 |
| Accounts Payable and Accrued Expenses | $6,913,805 | $1,560,205 | ▼ $5,353,600 |
| Grants Payable | $0 | $0 | → $0 |
| Mortgage Notes Payable Secured by Investment Property | $0 | $0 | → $0 |
| Unsecured Notes Loans Payable | $0 | $0 | → $0 |
| Deferred Revenue | $0 | $0 | → $0 |
| Escrow Account Liability | $0 | $0 | → $0 |
| Tax Exempt Bond Liabilities | $0 | $0 | → $0 |
| Total Liabilities | $649,640,423 | $623,628,340 | ▼ $26,012,083 |
| Net Assets / Fund Balance | |||
| Net Assets Without Donor Restrictions | $62,594,378 | $69,717,352 | ▲ $7,122,974 |
| Net Assets With Donor Restrictions | $0 | $0 | → $0 |
| Total Net Assets Fund Balance | $62,594,378 | $69,717,352 | ▲ $7,122,974 |
| Total Liabilities and Net Assets / Fund Balance | $712,234,801 | $693,345,692 | ▼ $18,889,109 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $9,224,826 | $6,626,470 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $3,133,215 | - | $0 |
| Equipment | $979,185 | $2,695,390 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| John Miller | CEO | FT | $480,000 | $142,281 | $622,281 |
| Steven Kunkel | Chief Operations Officer | FT | $241,314 | $34,702 | $276,016 |
| Denise Fillis | CFO / Treasurer | FT | $208,988 | $49,018 | $258,006 |
| Matthew Lindblom | Chief Technology Officer | FT | $191,610 | $59,405 | $251,015 |
| Sean Dunn | CLO | FT | $187,320 | $36,816 | $224,136 |
| Paul Keenan | Chairman | PT | $10,008 | $2,329 | $12,337 |
| Michael Conners | Clerk | PT | $10,008 | $1,856 | $11,864 |
| Stewart Steele | Director | - | - | $8,955 | $8,955 |
| John Scribi | Director | - | - | $3,939 | $3,939 |
| Ernest Arienti | Vice Chairman | - | - | $3,581 | $3,581 |
| William Barron | Director | - | - | $1,859 | $1,859 |
| Harold Goodwin | Director | - | - | $1,856 | $1,856 |
| John Barber | Director | - | - | $1,856 | $1,856 |
| Michael Granahan | Director | - | - | $1,856 | $1,856 |
| Michael Hobin | Director | - | - | $1,856 | $1,856 |
| Paul Daley | Director | - | - | $1,856 | $1,856 |
| Paul O'Connell | Asst Treasurer | - | - | $1,856 | $1,856 |
| Robert Hanna | Director | - | - | $1,856 | $1,856 |
| William Phelan | Director | - | - | $1,856 | $1,856 |
| Line Item | Amount |
|---|---|
| Other Expenses | $10,179,444 |
| Salaries, Compensation, and Employee Benefits | $8,563,596 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Benefits to Members | - | - | - | $9,931,626 |
| Other Salaries and Wages | - | - | - | $5,423,115 |
| Information Technology | - | - | - | $4,179,113 |
| Office Expenses | - | - | - | $1,796,200 |
| Other Employee Benefits | - | - | - | $1,116,128 |
| Advertising | - | - | - | $1,055,357 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $900,302 |
| Other Expenses | - | - | - | $864,302 |
| Depreciation Depletion | - | - | - | $687,129 |
| Pension Plan Contributions | - | - | - | $647,589 |
| Payroll Taxes | - | - | - | $476,462 |
| Conferences and Meetings | - | - | - | $252,918 |
| Fees for Services Accounting | - | - | - | $115,472 |
| Insurance | - | - | - | $113,334 |
| Total Functional Expenses | $0 | $0 | $0 | $28,674,666 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $3,800,000 | $3,843,303 | ▲ $43,303 |
| Loans from Officers, Directors, Trustees, and Key Employees | $0 | $0 | → $0 |
| Receivables from Disqualified Persons | $0 | $0 | → $0 |
| Liability | Amount |
|---|---|
| Member Deposits | $622,068,135 |
“Two directors have a business relationship in the form of a joint real estate venture.”
“The Credit Union is member owned.”
“The members have the power to elect or appoint the governing body.”
“Before filing, the 990 is provided to the directors at the monthly board meeting and the Board is required to approve it for filing.”
“Accounts & Transactions are reviewed regularly for compliance. All reports/claims are investigated. Policy is received and signed by all employees on an annual basis to ensure they will conduct their business affairs with high standards of honesty and integrity. Violations of the policy are subject to disciplinary action up to and including termination.”
“Officers' compensation is approved by the Board of Directors and is derived by industry standards.”
“Financial Statements are posted in the Main Office lobby and on NCUA website. Bylaws are available to members upon request. Form 990 is available upon request.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 1 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 6913805 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 1560205 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 321872 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 167745 |
| IRS990/AcctCompileOrReviewBasisGrp/ConsolidatedBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | Provide our members the best financial services possible in order to successfully satisfy their financial needs and requirements. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 1055357 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 0 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 9931626 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Denise Fillis |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6178044605 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 100 Quincy Ave |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Quincy |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 02169 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 3237266 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 3429763 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 900302 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 252918 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 1 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 9931626 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 5327767 |
| IRS990/CYOtherExpensesAmt | 0 | 10179444 |
| IRS990/CYOtherRevenueAmt | 0 | 390140 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 26465964 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 3509205 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 8563596 |
| IRS990/CYTotalExpensesAmt | 0 | 28674666 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 32183871 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 0 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 687129 |
| IRS990/Desc | 0 | Dividends and Insurance paid to and for our members. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRestrictionNetAssetsGrp/BOYAmt | 0 | 0 |
| IRS990/DonorRestrictionNetAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 103 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 0 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 0 |
| IRS990/ExpenseAmt | 0 | 9931626 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 1 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 115472 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 18 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 14 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 15 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 16 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 17 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 18 | 2 |
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| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 10 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 11 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 12 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 13 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 62299 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 64288 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 37653 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 33151 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 46659 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 2329 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 1856 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 8955 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 3939 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 3581 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 1859 |
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| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 1856 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 1856 |
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| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 1856 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 16 | 1856 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 17 | 1856 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 18 | 1856 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | John Miller |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Denise Fillis |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Steven Kunkel |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Matthew Lindblom |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Sean Dunn |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Paul Keenan |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Michael Conners |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Stewart Steele |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | John Scribi |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Ernest Arienti |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | William Barron |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | Harold Goodwin |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | William Phelan |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | Michael Hobin |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | Michael Granahan |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | Robert Hanna |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 16 | John Barber |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 17 | Paul Daley |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 18 | Paul O'Connell |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 622281 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 258005 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 276016 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 251015 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 224137 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 10008 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 10008 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 18 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 18 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | CFO / Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Chief Operations Officer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Chief Technology Officer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | CLO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Clerk |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Vice Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 17 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 18 | Asst Treasurer |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1937 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 14 |
| IRS990/GrantsPayableGrp/BOYAmt | 0 | 0 |
| IRS990/GrantsPayableGrp/EOYAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 32183871 |
| IRS990/GrossRentsGrp/PersonalAmt | 0 | 0 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 390140 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 12 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 9 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 4179113 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 113334 |
| IRS990/IntangibleAssetsGrp/BOYAmt | 0 | 0 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 5327767 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 5327767 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 879300 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 879300 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 208186546 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 182303947 |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 9321860 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 13205293 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 13337226 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 22659086 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| IRS990/LessRentalExpensesGrp/PersonalAmt | 0 | 0 |
| IRS990/LessRentalExpensesGrp/RealAmt | 0 | 0 |
| IRS990/LoanOutstandingInd | 0 | 1 |
| IRS990/LoansFromOfficersDirectorsGrp/BOYAmt | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/EOYAmt | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | Provide our members the best financial services possible in order to successfully satisfy their financial needs and requirements. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 62594378 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 69717352 |
| IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt | 0 | 390140 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 390140 |
| IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 3613769 |
| IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt | 0 | 62594378 |
| IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt | 0 | 69717352 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 0 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 1796200 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrganizationFollowsFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 0 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 0 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 1116128 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan Servicing |
| IRS990/OtherExpensesGrp/Desc | 1 | Miscellaneous |
| IRS990/OtherExpensesGrp/Desc | 2 | Provision for Loan Loss |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 829789 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 285830 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 864302 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 642726618 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 622068135 |
| IRS990/OtherOrganizationDsc | 0 | Credit Union |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 5423115 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 437176673 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 443334926 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 476462 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 647589 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 9348687 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 9316127 |
| IRS990/PrincipalOfficerNm | 0 | John Miller |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Income Loans to Members |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Service Fees Charged to Members |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 22025832 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 4440132 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 22025832 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 4440132 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Loan servicing expenses and outside services. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 5008902 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 7482841 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 6280590 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 9599329 |
| IRS990/PYOtherRevenueAmt | 0 | 1308527 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 24151156 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 6681294 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 7976809 |
| IRS990/PYTotalExpensesAmt | 0 | 25058979 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 31740273 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt | 0 | 0 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 3800000 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 3843303 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 3509205 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 390140 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
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