Liabilities / Assets
53rd percentile
Higher debt load relative to assets than 53% of similar nonprofits.
990 • Fiscal year 2014 • EIN 04-2393313
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
53rd percentile
Higher debt load relative to assets than 53% of similar nonprofits.
Liabilities / Revenue
84th percentile
Higher debt load relative to revenue than 84% of similar nonprofits.
Net Margin
6th percentile
Higher net margin than 6% of similar nonprofits.
Top Officer Pay
75th percentile
Higher top officer pay than 75% of similar nonprofits.
Top officer pay equals 4.9% of source-year revenue.
Asset Growth
88th percentile
Faster asset growth than 88% of similar nonprofits.
Revenue Growth
12th percentile
Faster revenue growth than 12% of similar nonprofits.
Assets
Up$129,307,487
Up $11,138,725 (+9.4%) from 2013
Net Assets
Up$13,219,977
Up $679,583 (+5.4%) from 2013
Liabilities
Up$116,087,510
Up $10,459,142 (+9.9%) from 2013
Revenue
Down$5,082,967
Down $279,699 (-5.2%) from 2013
Expenses
Down$5,059,012
Down $701,338 (-12%) from 2013
Net Income
Up$23,955
Up $421,639 (+106%) from 2013
To provide a lifetime of personal service through innovative products and quality services, delivered by a team of dedicated professionals to meet the full range of member needs.
This organization is a community based credit union established to serve its members.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $60,985,348 | $74,234,074 | ▲ $13,248,726 |
| Investments in Publicly Traded Securities | $49,499,693 | $46,864,280 | ▼ $2,635,413 |
| Rtn Earn Endowment Incm Other Fnds | $12,540,394 | $13,219,977 | ▲ $679,583 |
| Land, Buildings, and Equipment, Net | $2,111,612 | $1,978,899 | ▼ $132,713 |
| Investments Other Securities | $669,075 | $1,106,375 | ▲ $437,300 |
| Cash and Non-Interest-Bearing Accounts | $858,940 | $763,554 | ▼ $95,386 |
| Prepaid Expenses and Deferred Charges | $417,391 | $399,922 | ▼ $17,469 |
| Accounts Receivable | $285,331 | $263,898 | ▼ $21,433 |
| Savings and Temporary Cash Investments | $0 | $0 | → $0 |
| 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 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $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 | $118,168,762 | $129,307,487 | ▲ $11,138,725 |
| Other Assets Total | $3,341,372 | $3,696,485 | ▲ $355,113 |
| Liabilities | |||
| Other Liabilities | $101,463,353 | $97,175,163 | ▼ $4,288,190 |
| Accounts Payable and Accrued Expenses | $3,971,072 | $18,661,076 | ▲ $14,690,004 |
| Escrow Account Liability | $193,943 | $214,476 | ▲ $20,533 |
| Deferred Revenue | $0 | $36,795 | ▲ $36,795 |
| Grants Payable | $0 | $0 | → $0 |
| Mortgage Notes Payable Secured by Investment Property | $0 | $0 | → $0 |
| Unsecured Notes Loans Payable | $0 | $0 | → $0 |
| Tax Exempt Bond Liabilities | $0 | $0 | → $0 |
| Total Liabilities | $105,628,368 | $116,087,510 | ▲ $10,459,142 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $12,540,394 | $13,219,977 | ▲ $679,583 |
| Total Liabilities and Net Assets / Fund Balance | $118,168,762 | $129,307,487 | ▲ $11,138,725 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,237,539 | $351,048 | $0 |
| Other Land Buildings | $26,325 | $33,158 | $0 |
| Land | $461,848 | - | $0 |
| Equipment | $253,187 | $326,581 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Lloyd L Hamm Jr | President & Chief Executive Officer | FT | $200,000 | $46,709 | $246,709 |
| Karl Moisan | Senior Vice President/Senior Loan Officer | FT | $130,000 | $16,871 | $146,871 |
| Julia DeLong | Chief Financial Officer | FT | $122,500 | $9,598 | $132,098 |
| Name | Title |
|---|---|
| Andrew Nelson | Chairman |
| Charles Gagne | Vice Chairman |
| Albert Bonofiglio | Director |
| Andrew McGrady | Director |
| Charles Pavolis | Director |
| Elias Hanna | Director |
| Jeanne Lynskey | Director |
| Kenneth Grew | Director |
| Michael Sowyrda | Director |
| Teresa Tracy | Director |
| Peter Crepeault | Clerk |
| Line Item | Amount |
|---|---|
| Other Expenses | $2,333,426 |
| Salaries, Compensation, and Employee Benefits | $2,285,036 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,369,192 |
| Information Technology | - | - | - | $604,486 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $477,500 |
| Office Expenses | - | - | - | $454,738 |
| Benefits to Members | - | - | - | $440,550 |
| Other Employee Benefits | - | - | - | $220,144 |
| Depreciation Depletion | - | - | - | $213,301 |
| Advertising | - | - | - | $194,704 |
| Other Expenses | - | - | - | $165,683 |
| Payroll Taxes | - | - | - | $162,650 |
| Occupancy | - | - | - | $159,418 |
| Fees for Services Accounting | - | - | - | $98,806 |
| Pension Plan Contributions | - | - | - | $55,550 |
| Fees for Services Management | - | - | - | $48,261 |
| Insurance | - | - | - | $37,040 |
| Interest | - | - | - | $29,594 |
| Fees for Services Other | - | - | - | $28,285 |
| Travel | - | - | - | $18,113 |
| Conferences and Meetings | - | - | - | $14,974 |
| Fees for Services Legal | - | - | - | $3,724 |
| Total Functional Expenses | $0 | $0 | $0 | $5,059,012 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $5,059,014 |
| Total Expenses per Audited Statements | $5,059,014 |
| Total Expenses per Form 990 | $5,059,012 |
| Expenses Not Reported on Form 990 | $0 |
| Expenses Not Reported on Financial Statements | $-2 |
| Other Expense Adjustments | $-2 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| 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 |
| Liability | Amount |
|---|---|
| Member Shares/Deposits | $97,175,163 |
“In 2014 the corporation was approved to have its name changed from Grafton Suburban Credit Union to Homefield Credit Union.”
“Credit union members have the right to elect the members of the governing body. Credit union members also receive a share of the organization's profits in the form of dividends on deposits/share accounts.”
“Members of the credit union have the right to elect one or more members of the credit union's governing body whether periodically as vacancies arise or otherwise.”
“Members of the credit union have the right to approve the election and removal of members of the governing body as well as other matters that are subject to the approval of members of the credit union as they occur.”
“All information in the 990 is prepared and reviewed by the CFO for accuracy. Form 990 is then reviewed with the CEO prior to filing.”
“Upon hire each employee recieves a copy of the employee handbook which contains the credit union's Conflict of Interest and other policies. The policies are reviewed with the new hire and the employee signs an acknowledgement of receipt and understanding of the handbook and the policies contained therein. Management is vigilant in observing the potential for conflicts of interest and will address any situation which may turn into a potential conflict.”
“Every employee role is graded and scored using a structured compensation system called Compease. The system is a product of HRN solutions. Each position grade has a corresponding salary range. The HR Director also surveys local financial institutions from time to time to confirm that the credit union's compensation structure is in line with comparable positions in the local financial institution industry.”
“Financial statements are posted in the lobby of our branch. Financial statements are also available on the internet at the website of our federal regulator - the National Credit Union Administration. Governing documents and the Conflict of Interest policy are available to the public upon request.”
“Mortgage escrow accounts for real estate taxes and insurance.”
“The credit union evaluated its tax positions and determined no uncertain tax positions exist as of December 31, 2014 and 2013.”
“Rounding difference”
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 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 3971072 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 18661076 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 285331 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 263898 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | This organization is a community based credit union established to serve its members. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 194704 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 0 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 440550 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Julia DeLong |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 5088395493 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 86 Worcester Street |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | North Grafton |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 01536 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 858940 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 763554 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 1 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 477500 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 14974 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 1 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 440550 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 935074 |
| IRS990/CYOtherExpensesAmt | 0 | 2333426 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 4147893 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 23955 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 2285036 |
| IRS990/CYTotalExpensesAmt | 0 | 5059012 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 5082967 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 0 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 36795 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 213301 |
| IRS990/Desc | 0 | Provides financing for home loans, both purchase and refinance transactions. As of 12/31/2014, there were 659 of these loans on the balance sheet of the credit union. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 42 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 193943 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 214476 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 98806 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 3724 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 48261 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 28285 |
| 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/AverageHoursPerWeekRt | 0 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 40 |
| 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/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 21709 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 9598 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 16871 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Andrew Nelson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Charles Gagne |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Peter Crepeault |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Charles Pavolis |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Teresa Tracy |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Kenneth Grew |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Elias Hanna |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Albert Bonofiglio |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Jeanne Lynskey |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Andrew McGrady |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Michael Sowyrda |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | Lloyd L Hamm Jr |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | Julia DeLong |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | Karl Moisan |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 225000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 122500 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 130000 |
| 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/TitleTxt | 0 | Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Clerk |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | President & Chief Executive Officer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | Chief Financial Officer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | Senior Vice President/Senior Loan Officer |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1966 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 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 | 11 |
| 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 | 5082967 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 11 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 3 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 604486 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 37040 |
| IRS990/IntangibleAssetsGrp/BOYAmt | 0 | 0 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 29594 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 935074 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 935074 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 669075 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 1106375 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 49499693 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 46864280 |
| IRS990/IRPDocumentCnt | 0 | 3943 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 710787 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 2111612 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1978899 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 2689686 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| IRS990/LoanOutstandingInd | 0 | 0 |
| 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 | To provide a lifetime of personal service through innovative products and quality services, delivered by a team of dedicated professionals to meet the full range of member needs. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 12540394 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 13219977 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 655628 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 159418 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 454738 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 3341372 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 3696485 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 220144 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan Servicing Expense |
| IRS990/OtherExpensesGrp/Desc | 1 | Provision for Loan Losses |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 262299 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 165683 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 101463353 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 97175163 |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1369192 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 60985348 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 74234074 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 162650 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 55550 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 417391 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 399922 |
| IRS990/PrincipalOfficerNm | 0 | Lloyd L Hamm Jr |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 900099 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Service Charges |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Other Income |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2927040 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 278410 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 935478 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 2927040 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 285375 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 935478 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 6965 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 0 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Provide deposit products for daily financial needs as well as investment alternatives. Products include checking and saving accounts, certificates of deposit, IRA and money market accounts. Members have a total of 15,434 deposit accounts with the credit union as of 12/31/2014. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Provides consumer loans both unsecured and secured by automobiles, RV's etc. As of 12/31/14 there were 2,165 of these loans on the balance sheet of the credit union. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 600895 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 673063 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 2952663 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 4689603 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -397684 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2206792 |
| IRS990/PYTotalExpensesAmt | 0 | 5760350 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 5362666 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt | 0 | 0 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 23955 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| 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 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 12540394 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 13219977 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 0 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 0 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1237539 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 351048 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 1588587 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 253187 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 326581 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 579768 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | -2 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 5059014 |
| IRS990ScheduleD/ExplanationProvidedInd | 0 | X |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 0 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 1 |
| IRS990ScheduleD/InvestmentExpensesNotIncld2Amt | 0 | 0 |
| IRS990ScheduleD/InvestmentExpensesNotIncldAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 461848 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 461848 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LossesReportedAmt | 0 | 0 |
| IRS990ScheduleD/NetUnrealizedGainsInvstAmt | 0 | 0 |
| IRS990ScheduleD/OtherExpensesIncludedAmt | 0 | 0 |
| IRS990ScheduleD/OtherExpensesNotIncludedAmt | 0 | -2 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 26325 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 33158 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 59483 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 97175163 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Shares/Deposits |
| IRS990ScheduleD/OtherRevenueAmt | 0 | 0 |
| IRS990ScheduleD/OtherRevenuesNotIncludedAmt | 0 | 0 |
| IRS990ScheduleD/PriorYearAdjustmentsAmt | 0 | 0 |
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Displayed year
2014 • Form 990Detailed filing. Detailed filing data is available for this year.