Civic Intelligence

Quincy Credit Union

990 • Fiscal year 2013 • EIN 04-2314232

Jan 01, 2013 to Dec 31, 2013 • Filed on Jan 31, 2014

Organization ProfileWWW.QCU.ORG

View Organization Page

100 Quincy AveQuincy, MA 02169

(617) 479-5558

Siviq Scores

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

Liabilities / Assets

25th percentile

0.88x

Higher debt load relative to assets than 25% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

94th percentile

26.55x

Higher debt load relative to revenue than 94% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

66th percentile

18%

Higher net margin than 66% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

24th percentile

$281,528

Higher top officer pay than 24% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

41st percentile

3.2%

Faster asset growth than 41% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets25th percentile

Assets

Up

$446,131,225

Up $13,991,082 (+3.2%) from 2012

Net Assets

Up

$55,763,566

Up $1,453,261 (+2.7%) from 2012

Liabilities

Up

$390,367,659

Up $12,537,821 (+3.3%) from 2012

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin66th percentile

Revenue

$14,700,918

No earlier filing loaded for comparison.

Expenses

Down

$12,027,984

Down $2,379 (-0.0%) from 2012

Net Income

$2,672,934

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth41st percentile

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

$800M$600M$400M$200M$0Assets 2010: $384,640,334Liabilities 2010: $337,331,282Net Assets 2010: $47,309,0522010Assets 2011: $413,588,336Liabilities 2011: $362,926,463Net Assets 2011: $50,661,8732011Assets 2012: $432,140,143Liabilities 2012: $377,829,838Net Assets 2012: $54,310,3052012Assets 2013: $446,131,225Liabilities 2013: $390,367,659Net Assets 2013: $55,763,5662013Assets 2014: $456,498,931Liabilities 2014: $397,269,700Net Assets 2014: $59,229,2312014Assets 2015: $474,368,393Liabilities 2015: $413,032,217Net Assets 2015: $61,336,1762015Assets 2016: $498,679,478Liabilities 2016: $433,600,377Net Assets 2016: $65,079,1012016Assets 2017: $516,458,284Liabilities 2017: $447,410,469Net Assets 2017: $69,047,8152017Assets 2018: $523,534,591Liabilities 2018: $450,133,806Net Assets 2018: $73,400,7852018Assets 2019: $574,972,970Liabilities 2019: $496,746,762Net Assets 2019: $78,226,2082019Assets 2020: $669,035,288Liabilities 2020: $585,604,037Net Assets 2020: $83,431,2512020Assets 2021: $736,275,717Liabilities 2021: $654,014,263Net Assets 2021: $82,261,4542021Assets 2022: $710,026,576Liabilities 2022: $652,079,281Net Assets 2022: $57,947,2952022Assets 2023: $712,234,801Liabilities 2023: $649,640,423Net Assets 2023: $62,594,3782023Assets 2024: $693,345,692Liabilities 2024: $623,628,340Net Assets 2024: $69,717,3522024

Highlighted filing

2013

Assets$446,131,225
Liabilities$390,367,659
Net Assets$55,763,566
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$40M$30M$20M$10M$0Expenses 2010: $15,441,2932010Expenses 2011: $12,742,8972011Expenses 2012: $12,030,3632012Revenue 2013: $14,700,918Expenses 2013: $12,027,984Net Income 2013: $2,672,9342013Revenue 2014: $14,639,933Expenses 2014: $12,011,833Net Income 2014: $2,628,1002014Revenue 2015: $15,077,017Expenses 2015: $12,538,203Net Income 2015: $2,538,8142015Revenue 2016: $16,445,653Expenses 2016: $12,588,285Net Income 2016: $3,857,3682016Revenue 2017: $17,797,392Expenses 2017: $13,693,679Net Income 2017: $4,103,7132017Revenue 2018: $19,516,367Expenses 2018: $14,986,177Net Income 2018: $4,530,1902018Revenue 2019: $21,177,523Expenses 2019: $17,267,381Net Income 2019: $3,910,1422019Revenue 2020: $19,697,044Expenses 2020: $16,802,152Net Income 2020: $2,894,8922020Revenue 2021: $20,097,786Expenses 2021: $16,041,014Net Income 2021: $4,056,7722021Revenue 2022: $23,310,386Expenses 2022: $18,310,153Net Income 2022: $5,000,2332022Revenue 2023: $31,740,273Expenses 2023: $25,058,979Net Income 2023: $6,681,2942023Revenue 2024: $32,183,871Expenses 2024: $28,674,666Net Income 2024: $3,509,2052024

Highlighted filing

2013

Revenue$14,700,918
Expenses$12,027,984
Net Income$2,672,934
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jan 31, 2014
Return Version
2013v3.1
Gross Receipts
$14,700,918
Mission and Program Overview

Mission

Provide our members the best financial services possible in order to successfully satisfy their financial needs and requirements.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$267,917,254$265,779,862▼ $2,137,392
Investments in Publicly Traded Securities$92,819,494$104,170,188▲ $11,350,694
Savings and Temporary Cash Investments$49,663,461$40,921,394▼ $8,742,067
Investments Other Securities$2,245,600$16,346,300▲ $14,100,700
Land, Buildings, and Equipment, Net$12,874,208$12,454,651▼ $419,557
Prepaid Expenses and Deferred Charges$4,639,126$4,719,452▲ $80,326
Cash and Non-Interest-Bearing Accounts$1,901,775$1,766,446▼ $135,329
Accounts Receivable$79,225$-27,068▼ $106,293
Total Assets$432,140,143$446,131,225▲ $13,991,082
Liabilities
Other Liabilities$375,751,716$388,706,174▲ $12,954,458
Accounts Payable and Accrued Expenses$2,078,122$1,661,485▼ $416,637
Total Liabilities$377,829,838$390,367,659▲ $12,537,821
Net Assets / Fund Balance
Unrestricted Net Assets$54,310,305$55,763,566▲ $1,453,261
Total Net Assets Fund Balance$54,310,305$55,763,566▲ $1,453,261
Total Liabilities and Net Assets / Fund Balance$432,140,143$446,131,225▲ $13,991,082

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$9,214,741$3,058,056-
Land$2,400,000--
Equipment$839,910$1,526,011-
Other Securities$15,000,000--
Compensation and Service Providers
Top Officer Pay24th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Elizabeth BurkeCOOFT$238,316$43,212$281,528
Stewart SteeleCEOFT$218,858$53,981$272,839
Elizabeth Burke--$78,518$159,798$238,316
Stewart Steele--$150,692$68,166$218,858
Shirley LaliberteCfoctoFT$128,671$31,835$160,506
Catherine HarringtonSenior Vice PresFT$100,981$17,250$118,231
Judith BrazilSenior Vice PresFT$82,796$11,261$94,057
John BarberClerkPT$7,500$156$7,656
William BarronChairmanPT$7,500$156$7,656
Ernest ArientiDirector--$156$156
Michael ConnersDirector--$156$156
Michael GranahanDirector--$156$156
Michael HobinVice Chairman--$156$156
Paul DaleyDirector--$156$156
Paul KeenanDirector--$156$156
Paul OconnellDirector--$156$156
William CenterSecurity Officer--$156$156
Harold GoodwinDirector--$148$148
Robert HannaDirector--$110$110
Mario Stracco JrDirector--$106$106
William PhelanDirector--$106$106
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$12,981,244
Investment Income
$1,452,261
Other Revenue
$267,413
Change in Net Assets
$2,672,934
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,680,610
Salaries, Compensation, and Employee Benefits$4,074,311
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$2,294,140--$2,294,140
Benefits to Members$2,273,063--$2,273,063
Information Technology$2,122,787--$2,122,787
Office Expenses$1,096,050--$1,096,050
Current Officers, Directors, Trustees, and Key Employees$784,623--$784,623
Advertising$669,138--$669,138
Depreciation Depletion$555,844--$555,844
Other Employee Benefits$391,976--$391,976
Pension Plan Contributions$347,440--$347,440
Other Expenses$296,713--$296,713
Payroll Taxes$256,132--$256,132
Conferences and Meetings$172,029--$172,029
Fees for Services Accounting$154,945--$154,945
Insurance$77,684--$77,684
Total Functional Expenses$12,027,984$0$0$12,027,984
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$388,706,174
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

EIN
04-2314232

Signing Officer

Name
Shirley Laliberte
Title
Cfocto
Phone
6174795558
Signed
2014-01-31

Organization Details

Principal Officer
Shirley Laliberte
Formed
1937
Legal Domicile
Ma
Voting Board Members
15
Independent Board Members
12
Employees
78
Volunteers
14
Supplemental Narrative

Additional Explanations

VI

“Part vi line 11a before filing the 990 is provided to the directors at the monthly board meeting and then the board is required to approve filing. Part vi line 19 financial statements are posted in main office lobby and on ncua website. Bylaws are available to members upon request. 990 is available upon request. Part vi sec b officers compensation is approved by board of directors and is derived by survey.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt15COO
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Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$446,131,225
Liabilities
$390,367,659
Net assets
$55,763,566
Revenue
$14,700,918
Expenses
$12,027,984
Net income
$2,672,934
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$693$624$69.7$32.2$28.7$3.51
2023Detailed filing. Detailed filing data is available for this year.$712$650$62.6$31.7$25.1$6.68
2022Detailed filing. Detailed filing data is available for this year.$710$652$57.9$23.3$18.3$5.00
2021Detailed filing. Detailed filing data is available for this year.$736$654$82.3$20.1$16.0$4.06
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$669$586$83.4$19.7$16.8$2.89
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$575$497$78.2$21.2$17.3$3.91
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$524$450$73.4$19.5$15.0$4.53
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$516$447$69.0$17.8$13.7$4.10
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$499$434$65.1$16.4$12.6$3.86
2015Detailed filing. Detailed filing data is available for this year.$474$413$61.3$15.1$12.5$2.54
2014Detailed filing. Detailed filing data is available for this year.$456$397$59.2$14.6$12.0$2.63
2013Detailed filing. Detailed filing data is available for this year.$446$390$55.8$14.7$12.0$2.67
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$432$378$54.3$12.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$414$363$50.7$12.7
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$385$337$47.3$15.4
Peer Organizations

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