Civic Intelligence

Quincy Credit Union

990 • Fiscal year 2016 • EIN 04-2314232

Jan 01, 2016 to Dec 31, 2016 • Filed on Mar 16, 2017

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

23rd percentile

0.87x

Higher debt load relative to assets than 23% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

95th percentile

26.37x

Higher debt load relative to revenue than 95% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

91st percentile

23%

Higher net margin than 91% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

23rd percentile

$297,536

Higher top officer pay than 23% of similar nonprofits.

Top officer pay equals 1.8% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

40th percentile

5.1%

Faster asset growth than 40% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

62nd percentile

9.1%

Faster revenue growth than 62% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets23rd percentile

Assets

Up

$498,679,478

Up $24,311,085 (+5.1%) from 2015

Net Assets

Up

$65,079,101

Up $3,742,925 (+6.1%) from 2015

Liabilities

Up

$433,600,377

Up $20,568,160 (+5.0%) from 2015

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin91st percentile

Revenue

Up

$16,445,653

Up $1,368,636 (+9.1%) from 2015

Expenses

Up

$12,588,285

Up $50,082 (+0.4%) from 2015

Net Income

Up

$3,857,368

Up $1,318,554 (+52%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth40th 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

2016

Assets$498,679,478
Liabilities$433,600,377
Net Assets$65,079,101
Open 2016 Filing

Operations Trend

Revenue Growth62nd percentile

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

2016

Revenue$16,445,653
Expenses$12,588,285
Net Income$3,857,368
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Mar 16, 2017
Return Version
2016v3.0
Gross Receipts
$16,445,653
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$292,853,422$326,696,669▲ $33,843,247
Investments in Publicly Traded Securities$124,157,033$114,969,537▼ $9,187,496
Savings and Temporary Cash Investments$35,645,430$36,264,196▲ $618,766
Land, Buildings, and Equipment, Net$11,655,316$11,260,734▼ $394,582
Prepaid Expenses and Deferred Charges$4,952,594$5,175,319▲ $222,725
Cash and Non-Interest-Bearing Accounts$3,770,053$2,829,225▼ $940,828
Investments Other Securities$1,380,200$1,510,000▲ $129,800
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$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→ $0
Accounts Receivable$-45,655$-26,202▲ $19,453
Total Assets$474,368,393$498,679,478▲ $24,311,085
Other Assets Total$0$0→ $0
Liabilities
Other Liabilities$410,284,577$429,623,484▲ $19,338,907
Accounts Payable and Accrued Expenses$2,747,640$3,976,893▲ $1,229,253
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$413,032,217$433,600,377▲ $20,568,160
Net Assets / Fund Balance
Unrestricted Net Assets$61,336,176$65,079,101▲ $3,742,925
Permanently Rstr Net Assets$0$0→ $0
Temporarily Rstr Net Assets$0$0→ $0
Total Net Assets Fund Balance$61,336,176$65,079,101▲ $3,742,925
Total Liabilities and Net Assets / Fund Balance$474,368,393$498,679,478▲ $24,311,085

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$8,269,873$4,002,924$0
Other Land Buildings$0$0$0
Land$2,400,000-$0
Equipment$590,861$1,753,157$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay23rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Stewart SteeleCEOFT$197,812$36,692$234,504
Elizabeth BurkeCOO/Executive VPFT$148,396$30,685$179,081
Catherine HarringtonCLOFT$119,055$20,461$139,516
Daniel MariniIT Security OfficerFT$90,127$31,286$121,413
Denise FillisSVP of FinanceFT$85,842$30,379$116,221
Judith BrazilChief Marketing & BD OfficerFT$97,327$12,885$110,212
Shirley LaliberteCFO/CTO-$49,282-$49,282
Paul KeenanClerkPT$7,500$169$7,669
Mario Stracco JrChairmanPT$7,500$91$7,591
Ernest ArientiDirector--$169$169
John BarberDirector--$169$169
Michael ConnersDirector--$169$169
Michael GranahanDirector--$169$169
Michael HobinDirector--$169$169
Paul DaleyDirector--$169$169
Paul O'ConnellDirector--$169$169
William BarronDirector--$169$169
John ScribiDirector--$143$143
Harold GoodwinDirector--$114$114
Robert HannaDirector--$114$114
William PhelanVice Chairman--$114$114
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,248,897
Investment Income
$1,924,506
Other Revenue
$272,250
Change in Net Assets
$3,857,368
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,903,751
Salaries, Compensation, and Employee Benefits$4,743,381
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,740,866
Information Technology---$2,555,699
Benefits to Members---$1,941,153
Office Expenses---$1,120,882
Current Officers, Directors, Trustees, and Key Employees---$839,533
Advertising---$753,375
Depreciation Depletion---$551,175
Other Employee Benefits---$471,739
Pension Plan Contributions---$407,822
Payroll Taxes---$283,421
Conferences and Meetings---$208,375
Fees for Services Accounting---$148,800
Other Expenses---$119,544
Insurance---$62,640
Total Functional Expenses$0$0$0$12,588,285
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
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$429,623,484
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is Membership owned.”

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

“The members have the power to elect or appoint the governing body.”

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

“Before Filing, the 990 is provided to the directors at the monthly board meeting and then the Board is required to approve it for filing.”

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

“Accounts & Transactions are reviewed regularly for compliance. All reports/claims are investigated. Policy is received and signed by 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.”

Form 990, Part VI, Section B, Line 15

“Officers compensation is approved by Board of Directors and is derived by industry standards.”

Form 990, Part VI, Section C, Line 19

“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.”

Filing and Contact Details

Filer

Filer Name
Quincy Credit Union
EIN
04-2314232
Phone
6174795558
Address
100 Quincy Ave, Quincy, MA 02169

Signing Officer

Name
Denise Fillis
Title
SVP of Finance
Phone
6178044605
Signed
2017-03-16

Organization Details

Principal Officer
Denise Fillis
Formed
1937
Legal Domicile
Ma
Voting Board Members
15
Independent Board Members
12
Employees
83
Volunteers
14
Raw XML AppendixShowing 400 of 585 raw XML fields

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IRS990/Form990PartVIISectionAGrp/PersonNm0Ernest Arienti
IRS990/Form990PartVIISectionAGrp/PersonNm1John Barber
IRS990/Form990PartVIISectionAGrp/PersonNm2William Barron
IRS990/Form990PartVIISectionAGrp/PersonNm3Michael Conners
IRS990/Form990PartVIISectionAGrp/PersonNm4Paul Daley
IRS990/Form990PartVIISectionAGrp/PersonNm5Harold Goodwin
IRS990/Form990PartVIISectionAGrp/PersonNm6Michael Granahan
IRS990/Form990PartVIISectionAGrp/PersonNm7Robert Hanna
IRS990/Form990PartVIISectionAGrp/PersonNm8Michael Hobin
IRS990/Form990PartVIISectionAGrp/PersonNm9Paul Keenan
IRS990/Form990PartVIISectionAGrp/PersonNm10Paul O'Connell
IRS990/Form990PartVIISectionAGrp/PersonNm11William Phelan
IRS990/Form990PartVIISectionAGrp/PersonNm12John Scribi
IRS990/Form990PartVIISectionAGrp/PersonNm13Mario Stracco Jr
IRS990/Form990PartVIISectionAGrp/PersonNm14Stewart Steele
IRS990/Form990PartVIISectionAGrp/PersonNm15Elizabeth Burke
IRS990/Form990PartVIISectionAGrp/PersonNm16Shirley Laliberte
IRS990/Form990PartVIISectionAGrp/PersonNm17Catherine Harrington
IRS990/Form990PartVIISectionAGrp/PersonNm18Judith Brazil
IRS990/Form990PartVIISectionAGrp/PersonNm19Denise Fillis
IRS990/Form990PartVIISectionAGrp/PersonNm20Daniel Marini
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt97500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt137500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14234505
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15148396
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1649282
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17119055
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1897327
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1985842
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2090127
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/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Clerk
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt14CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt15COO/Executive VP
IRS990/Form990PartVIISectionAGrp/TitleTxt16CFO/CTO
IRS990/Form990PartVIISectionAGrp/TitleTxt17CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt18Chief Marketing & BD Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt19SVP of Finance
IRS990/Form990PartVIISectionAGrp/TitleTxt20IT Security Officer
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01937
IRS990/FormerOfcrEmployeesListedInd01
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt0234864
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt015
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0234864
IRS990/GrossReceiptsAmt016445653
IRS990/GrossRentsGrp/PersonalAmt00
IRS990/GrossRentsGrp/RealAmt0272250
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt012
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02555699
IRS990/InsuranceGrp/TotalAmt062640
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01689642
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01689642
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01380200
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01510000
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0124157033
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0114969537
IRS990/IRPDocumentCnt02
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05756081
IRS990/LandBldgEquipBasisNetGrp/BOYAmt011655316
IRS990/LandBldgEquipBasisNetGrp/EOYAmt011260734
IRS990/LandBldgEquipCostOrOtherBssAmt017016815
IRS990/LegalDomicileStateCd0MA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Provide our members the best financial services possible in order to successfully satisfy their financial needs and requirements.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt061336176
IRS990/NetAssetsOrFundBalancesEOYAmt065079101
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0234864
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0234864
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt0272250
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0272250
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-114443
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt00
IRS990/OfficeExpensesGrp/TotalAmt01120882
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt00
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0471739
IRS990/OtherExpensesGrp/Desc0Loan Servicing
IRS990/OtherExpensesGrp/Desc1Miscellaneous
IRS990/OtherExpensesGrp/Desc2Provision for Loan Loss
IRS990/OtherExpensesGrp/TotalAmt0222408
IRS990/OtherExpensesGrp/TotalAmt1160853
IRS990/OtherExpensesGrp/TotalAmt2119544
IRS990/OtherLiabilitiesGrp/BOYAmt0410284577
IRS990/OtherLiabilitiesGrp/EOYAmt0429623484
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt02740866
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0292853422
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0326696669
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0283421
IRS990/PensionPlanContributionsGrp/TotalAmt0407822
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt00
IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt04952594
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt05175319
IRS990/PrincipalOfficerNm0Denise Fillis
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0Income Loans to Members
IRS990/ProgramServiceRevenueGrp/Desc1Service fees charged to Members
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt011755344
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12493553
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt011755344
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12493553
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0Loan servicing expenses and outside services.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt02778107
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt01947682
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00

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
$498,679,478
Liabilities
$433,600,377
Net assets
$65,079,101
Revenue
$16,445,653
Expenses
$12,588,285
Net income
$3,857,368
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
2016Detailed filing. Detailed filing data is available for this year.$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
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